Kodi mungagwiritse ntchito bwanji ndalama moyenera? Banja la bajeti: chitsanzo. Kuwongolera Kunyumba

Lero tikuyenera kudziwa momwe tingagwiritsire ntchito ndalama molondola. Nkhaniyi imakhudza amayiko onse. Ndipo nthawi zonse. Ndipotu, ndalama ndi njira ya kukhalapo. Ndipo ayenera kupereka nzika zambiri momwe zingathere. Sikuti aliyense akudziwa momwe angatayire bwino. Ndipo mochuluka kwambiri momwe mungayambitsire. Ngati pali banja ndi ana, nkhani zokhuza zachuma zikuchuluka kwambiri. Kuti mupewe izi, mumangogwiritsa ntchito ndalama. Kodi izi zingaphunzire bwanji? Nchiyani chingathandize kusunga ndi kuyang'anira bajeti ya banja? Malangizo abwino komanso othandizira aperekedwa patsogolo. Zonsezi sizowonjezereka, koma zidzakuthandizani kuti musakongole ndalama. Nthawi zina, sizikhala zochepetseka komanso kubwezeretsa zambiri, popanda kuphwanya zomwe mudagula.

Budget la Banja - Mtsutso Wosatha

Kusunga bajeti ya banja ndi luso lenileni limene aliyense sangathe. Koma kuti muyese, yesetsani kuchita izo, zikulimbikitsidwa kwa munthu aliyense. Pokonzekera bwino , mavuto azachuma sali oopsa. Iwo amangokhala sadzakhala. Kupatula nthawi imene malipiro akuchedwa. Ndipo kukula kwa mavuto sikudzakhala kochepa.

Gulu la bajeti limatanthawuza zopereka zonse zachuma kwa banja pamwezi. Ndipo kukonzekera ndi chitayiko chomwe chiyenera kuchitidwa. Ambiri samadziwa momwe angagwiritsire ntchito ndalama molondola. Choncho, pogawira ndalama zomwe zimalandira, mavuto ena amayamba. Kodi chingathandize bwanji kuti musaloŵe m'ndondomeko ya ndalama, musagwedezeke ngongole, kukhala ndi moyo wanu, komanso kusunga ndalama kuti mukhale mvula? Pali malangizowo osiyanasiyana komanso othandizira. Zotsatirazi ndi zabwino komanso zothandiza kwambiri.

Kufufuza zomwe anagula kale

Gawo loyamba ndi kusanthula zonse zomwe anagula mwezi watha. Ena sangathe kupereka ndalama molondola. Ndipo kotero iwo amadzipeza okha muvuto lachuma. Kuti mumvetse zomwe zinali zolakwika, muyenera kuyang'ana zonse zomwe mwagula.

N'kutheka kuti ndalama zambiri sizipita ku zinthu zofunika kwambiri. Kawirikawiri anthu atalandira malipiro amathera ndalama zawo zambiri pa zosangalatsa, ndipo amakhalabe nazo zokwanira. Inde, kuchita zimenezi sikofunika. Ndi chifukwa cha ichi chomwe chiyenera kuyesa zinthu zonse zogulidwa. Munthu aliyense adzapeza mndandanda wa zinthu zomwe munthu angachite popanda. Ochenjera okha ndi omwe sangakhale ndi graph yomweyi. Koma anthu oterewa popanda kusanthula amalinganiza bwino bajeti ya banja.

Zofunikira

Kodi mungasamalire bwanji ndalama? Ili ndi funso lovuta. Pambuyo pa zonse, munthu aliyense ali ndi chuma chake, komanso zopempha zake za moyo. Ndipo zofunika ndizosiyana kwa aliyense. Pambuyo pofufuza za kugula ndikofunika kuti muwapange zigawo zingapo. Zomwe:

• Choyamba chofunika (chofunika kwambiri);
• Cholondola;
• Kufunidwa;
• Zosafunika.

Choncho, chirichonse chomwe sichiphatikizidwe m'mizere yoyamba iwiri chikhoza kuchotsedwa kugwiritsa ntchito ndalama zamtsogolo. Ndipo choyamba ndikugwiritsa ntchito ndalama zokhazofunikira komanso zofunika pa moyo. Ndalama zonsezo zikhoza kusiya kapena kuthera pa zomwe mukufuna. Poyamba zidzakhala zovuta kusankha zofunikira, koma pakapita nthawi vutoli lidzachoka.

Zida zoyenera

Kodi mungagwiritse ntchito chiyani ndalama? Izo zanenedwa kale - anthu onse ali ndi zopempha zawo za moyo ndi zonyansa. Komabe, aliyense ayenera kulipira ndalama zovomerezeka. Kawirikawiri amasintha. Ndalama kuchokera ku bajeti ya banja ziyenera kukhala zoyamba kugwiritsidwa ntchito pa zinthu zofunika kwambiri.

Kodi amatanthauzanji? Monga lamulo, ndalama zowonjezera mwezi uliwonse zimaphatikizapo:

• Malipiro amtundu;
• Kuphunzitsa (pamaso pa ana);
• Mankhwala;
• Zovala;
• Nsapato;
• Kuyenda / zoyendetsa ndalama ;
• Zamakono.

Zonsezi ndi zofunika kugula. Zosangalatsa pachigawo choyambirira cha dongosolo la bajeti ndi bwino kusiya. Kenaka zikuwonekeratu kuti ndalama zatsala kumapeto kwa mwezi. Ndipo amatha kuzigwiritsa ntchito kumene mukufuna. Kapena pitani.

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Kodi mungagwiritse ntchito bwanji ndalama pazinthu? Anthu ambiri amafunsa funso ili. Khalani ndikuwonetsa kuti ndalama zazikulu zimakhudzana ndi chakudya. Ndicho chifukwa chake nkofunika kukumbukira malamulo angapo omwe amapereka ndalama.

Kodi ndiyenera kulangiza anthu omwe sadziwa kugwiritsa ntchito ndalama zochepa? Ponena za kugula kwa malonda amalangiza:

1. Phunzirani katundu m'masitolo. Pakati pawo, mukhoza kupulumutsa zambiri.
2. Kugulidwa kuti agwiritsidwe ntchito mtsogolo. Izi zikuphatikizapo kugula mbewu, macaroni, katundu wamzitini, ndi "chisanu." Makamaka pankhani ya kupeza pa magawo opindulitsa.
3. Kugulidwa pazitsulo zazikulu. Iwo ali mu mzinda uliwonse. Njirayi imathandiza ambiri kupulumutsa bwino. Zogula zomwe zingagwiritsidwe ntchito mtsogolo, ngakhale pamtengo wotsika - ichi ndi chinsinsi cha kupambana.
4. Pezani mndandanda wamalonda. Ndipo, chofunikira kwambiri, musapatuke pa izo. Palibe mankhwala owonjezera, ngakhale mukufunadi. Poyamba zidzakhala zovuta, koma muyenera kuyesa.
5. "Ayi" kudya chakudya ndi cafe. Pamene munthu akuganiza momwe angagwiritsire ntchito ndalama moyenera, sizili bwino kuti adye mzipinda ndi chakudya chofulumira. Ngakhale chakudya chamadzulo kwambiri sichidzakhala wotsika mtengo. Kubwezeretsa chakudya choterocho kungakhalepo pambuyo pa dongosolo lokonzekera bwino la bajeti.

Palibe chovuta pa izi. Zokwanira ngakhale kusiyanitsa pakati pa zinthu zofunika zofunika zigawozo ndi zomwe mulibe zomwe mungachite popanda. Ndibwino kuti mupange kuphika kunyumba kwapadera. Zambiri zamtengo wapatali zokhala ndi chakudya chokwanira kwambiri amayi amasiye akuphika kunyumba. Mwachitsanzo, pizza wokoma. Ndipo yotsika mtengo, ndi zokoma!

Kusonkhanitsa macheke

Malangizo otsatirawa ndikusonkhanitsa ma check. Zogula zonse zomwe zangopangidwe kuti zikonzedwe. Ndipo kuyang'ana mmenemo kumathandiza mwangwiro. Zimathandizanso kuti awonetse bwino zomwe adapeza.

Chinthu chachikulu ndi kusaiwala kalikonse. Izi ndizofunikira kuti pakhale ndondomeko yabwino ya bajeti. Kupyolera macheke ndizotheka kumvetsetsa, ndikuti ndi ndalama zingati, ndi ndalama zotani zomwe zingagwiritsidwe ntchito. Malangizo abwino kwambiri. Koma zidzakhala zovuta kwambiri kumutsata. Ngakhale kuyenda pa basi kumayenera kukonzedwa. Komabe, kupezeka kwa macheke kumachepetsa kwambiri zowerengera za kugula. Makamaka akamalowa mu tebulo yoyenera.

Ndandanda ya ndalama

Kuwerengetsa kunyumba ndi chinthu chimene chimafuna kukonzekera bwino. Kugawidwa bwino kwa bajeti kukuthandizani kuphunzira kupulumutsa ndikukhala mwa njira zanu mwamsanga. Pokonzekera kugula zonse, ndiyeno kuzifufuza ndi molondola kwambiri, zimaperekedwa kuti zisunge tebulo. Ndipo ndalama kuphatikizapo.

Ndiko mfundo yakuti kusungirako nyumba kumachitika. Zitha kukhala zosiyana pa tebulo. Koma, monga lamulo, mndandandanda wafupikitsa kwambiri uli ndi zinthu zotsatirazi:

• Kuchokera kwa aliyense m'banja;
• Mitundu;
• Malipiro amtundu;
• Zovala;
• Kuyenda;
• Katundu wamasiye;
• Nsapato;
• Kuphunzitsa;
• Kukwanira;
• Mitundu;
• Mankhwala;
• Mphatso;
• Zotsatira (zokhudzana ndi mapeto a mwezi, ndalama, kusiyana pakati phindu ndi ndalama);
• Zina.

Tsiku lililonse pamaziko a kufufuza ndikofunikira kulemba pansi pano ndalama. Kulondola kwa tsiku logula bwino kapena kulandira phindu lokhazikika. Ena amalemba mosiyana chinthu "zinthu". Pofuna kuthana ndi vuto ili, mungathe kungoyang'ana kufufuza. Izo zimapulumutsa nthawi bwino.

Kusamala kumapeto kwa mweziwu

Choncho, zonsezi zidzakuthandizani kuyankha momwe mungagwiritsire ntchito ndalama molondola. Mwinamwake, ndalama zina kumapeto kwa mweziwo zidzakhalabe "mfulu". Zingagwiritsidwe ntchito pa zikhumbo zina. Mwachitsanzo, paulendo wopita ku cafe ndi banja lonse. Kapena kwa mphatso kwa mwana. Chinthu chachikulu ndi chakuti ndalama "zaulere" zimatha kugwiritsidwa ntchito mwanzeru. Kapena pitani.

Ndibwino kuti ndalama zizigawidwa nthawi ndi nthawi kuti malire kumapeto kwa mwezi ayambe. Osati kwenikweni, koma ndi zofunika kuti muchite zimenezo. Pamene zinthu zonse zofunika kugula zimapangidwa ndipo malipiro ovomerezeka atsekedwa, mukhoza kupereka ufulu wogwiritsira ntchito.

Kodi mungasunge bwanji ndalama?

Ena amakondwera momwe angagwiritsire ntchito ndalama moyenera ndipo panthawi imodzimodzi aphunzire momwe angachepetsere. Ndipotu, sikovuta kwambiri. Makamaka ngati mutatsatira nsonga zonsezi.

Mwa njira, mukhoza kusunga ndalama mwezi uliwonse, ndipo panthawi yomweyi sungani ndalama "yaulere". Momwemo? Pali njira imodzi yokondweretsa. Amathandiza ambiri.

Zili zokhudzana ndi kubwezeretsa ndalama zonse zomwe analandira mu envelopu kapena kubanki. Chomwe chinasinthidwa sichitengedwera muzowerengera za banja. Izi zikutanthauza kuti, mukalandire malipiro, muyenera kuchotsa ndalama zomwe mukugwirizana nazo, motero mukupanga "chitetezo chokwanira". Kawirikawiri anthu amasunga 10% mwa phindu lawo.

Kodi izi zikutanthauza chiyani? Mkhalidwe udzawoneka ngati uwu:

Munthu amapeza ruble 25,000. Kuwonjezera pamenepo, amalandira ndalama kuchokera mwezi uliwonse kuchokera kumalo osungirako nyumba ya 5 000. Phindu la mwezi uliwonse lidzakhala makapu 30,000. Kuchokera pa kuchuluka kwa 10% kuchotsedwa "mu envelopu" mwamsanga. Ndipo inviolable katundu amapangidwa. Zonsezi zilipo 27,000. Ndalamayi imagawidwa malinga ndi ndondomeko yowonetsera bajeti yogwiritsira ntchito ndalama: zovomerezeka, zofunidwa, zowonjezera.

Njira yabwino kwambiri yosungira ndi kulenga ndalama. Ambiri, monga adanenera kale, akulimbikitsidwa kutsegula chiphaso ku banki ndi kutumiza ndalama kumeneko. Izi zidzakuthandizani kuti musakhudze ndalama ndikuzisunga. Mulimonsemo, "zosungunula" ziyenera kukhala zovuta. Ndizidziwikiratu nthawi zonse zovuta zomwe zimaloledwa kugwiritsa ntchito deta yolumikiza.

Sungani ndi mfundo

Kodi mungagwiritse ntchito bwanji ndalama m'banja? Anthu omwe adziwa kale njira zomwe zatchulidwa kale, mukhoza kuwonjezera pang'ono tebulo la ndalama ndi ndalama zomwe mumagwiritsa ntchito. Ndipo kuwonjezera pa izo zigawo monga "ndondomeko" ndi "zenizeni."

Mphindi yoyamba ndizofunika kuika pasadakhale, zomwe mumagula komanso ndalama zomwe mukukonzekera. Chachiwiri, chidziwitso cha ndalama zenizeni zalowa. Njira yosangalatsa yokonzekera "ndalama zaulere." Ndikoyenera kuti gawoli "mutatha" kuchepetsedwa mwezi uliwonse. Mofananamo ndi gawo "ndondomeko". Inde, kupatsidwa kuti kuchepetsa zizindikirozi sikungapweteke moyo ndi umoyo wa banja.

"Ayi" ku ngongole

Kodi mungagwiritse ntchito bwanji ndalama zochepa? Ena amaganiza kuti ngongole ndi njira yabwino yosungira ndalama. Ndipotu, nzika zambiri zomwe zaphunzira kukhala ndi moyo wawo, komanso kuzibwezeretsa bwino, kunena mosiyana.

Sikoyenera kulandira ngongole pokonzekera bajeti. Koma simukuyenera kuwachotsa pa tebulo lachidule. Kukhalabe ngongole ndi chiyembekezo chabwino. Ngati munthu alibe ngongole, ndiye kuti n'zotheka kubwezera ndalama zomwe zaperekedwa kale kuti zikhale mvula.

Zosowa zaumwini

Kodi mungagwiritse ntchito bwanji ndalama moyenera? Ena samvetsa izi. Ngati ndi funso la munthu mmodzi, ndiye kuti palibe mavuto apadera okonzekera bajeti. Koma banja likangowoneka, mavuto ena amayamba, monga tawatchula kale.

Chinthucho ndi chakuti aliyense ali ndi zosowa zake. Chimene munthu aliyense amafuna. Pomwe mukukonzekera kukonzekera ndi kusungirako zolembera kunyumba, muyenera kusiya zofuna zanu kumbuyo.

Mwa njira, ndalama zonse "zaulere" kumapeto kwa mweziwu zikulimbikitsidwa kuti azigawana pakati pa mamembala awo pa zosowa zawo. Kapena, lowetsani ndondomeko imodzi pa tebulo la ndalama komanso ndalama za ndalama. Perekani ndalama zovuta kwa munthu aliyense.

Chitsanzo:

Ndi momwe mungasamalire bwino bajeti ya banja. Chitsanzo cha tebulo lotsatira si njira yopambana kwambiri. M'malo mwake, ndi yoyenera kwa oyamba kumene. Kupyolera mu izi, mungaphunzire mosavuta momwe mungagawire ndalama kuti musalowe muvuto la ndalama.

Gome lolondola la ndalama ndi ndalama zikuwoneka ngati izi.

Izi, monga tazitchulira kale, sizinali zosiyana kwambiri ndi ndalama zomwe zimagwiritsidwa ntchito pa ndalama. Koma zimathandiza poyamba. Kawirikawiri, kukonzekera bajeti yanu ndi nthawi yovuta kwambiri. Ndipo phunzitsani phunziro ili likulimbikitsidwa kwa iwo omwe amachita bwino. Kuleza mtima pang'ono ndi mphamvu - ndipo mukhoza kuphunzira mosavuta momwe mungagwiritsire ntchito ndalama, ndikupulumutsanso.