Kodi mungapulumutse bwanji galimoto? Kodi mungapulumutse bwanji galimoto?

Zoonadi, galimotoyo yatha kale kukhala "loto lapamwamba" loto, kukwaniritsidwa kwake komwe kunatenga zaka zambiri, monga momwe zinalili m'moyo wa Soviets. Mu USSR, kuti mugule galimoto, munayenera kusunga ndalama kwa nthawi yaitali.

Galimotoyo si yodula

Ndipo lero kugula kwa "kavalo wachitsulo" - chisangalalo ichi, monga akunenera, sichoncho mtengo. Komabe, anthu ambirimbiri a ku Russia chaka chilichonse amatenga magalimoto atsopano. Pambuyo pake, makinawa amapezeka mosavuta m'masiku amasiku ano. Izi zikufotokozedwa ndi mfundo yakuti automakers akuyesera kupanga zitsanzo zomwe zingakwaniritse zosowa za anthu omwe ali ndi magawo osiyanasiyana a ndalama. Komabe, vutoli silidali lopanda ungwiro, choncho gawo lalikulu la nzika za dziko lathu liyenera kusunga ndalama kuti likhale eni ake a galimoto. Inde, iwo akuganiza kwambiri momwe angasunge, monga akunena, mofulumira osati mofulumira. Malangizo otsatirawa adzakhala othandiza kwa omwe akulota kupeza "kavalo wachitsulo".

Choncho, tiyeni tiyambe kuganizira mozama za funso la momwe tingapulumutsire galimoto kwa aliyense amene akufuna basi.

Kukhala ndi cholinga chowonekera

Mwachibadwa, muyenera kumvetsa kuti munthu akufuna kugula magalimoto sikokwanira. Choyamba, muyenera kudziwa "kavalo wachitsulo" omwe mukufuna, mtundu wake, mtundu wake, maluso. Konzani pasadakhale momwe ndalama zidzafunikire kugula galimoto. Kumbukirani, pamene mukulimbikitsidwa kwambiri ndi zomwe mukuchitazo, momveka bwino pamutu panu ndi cholinga chosunga galimoto mwamsanga. Ngati chikhumbo chanu chogula galimoto chidzakhala chikuyaka, onetsetsani kuti chidzakwaniritsidwa.

Pangani ndondomeko yanu ya bajeti

Muyenera kuphunzira momwe mungasamalire bajeti yanu. Sungani zomwe mumagula. Mwina, muli ndi zizoloŵezi zoipa? Ngati mumasuta fodya 2 patsiku za fodya, mumagwiritsa ntchito ruble 150 mpaka 200, ndiye muyenera kuganizira za momwe mungathere ndi mankhwala osokoneza bongo. Izi zidzakuthandizani kuti muzitha kufufuza nthawi. Sikunatchulidwe kuti kumapeto kwa sabata yodzigwira ntchito mumakonda kukhala limodzi ndi anzako kuntchito kapena ogwira nawo ntchito pa galasi la cognac yokwera mtengo. Pofuna kuthetsa funso la momwe mungapulumutsire ndalama pa galimoto, popanda kuchepetsa nkhaniyo mu bokosi lakutali, muyenera kudula chinthuchi. Ganizirani momwe mungagwiritsire ntchito ndalama zina. Ngati mutakwanitsa kuchita izi, mukhoza kusunga ndalama 15-20% kuti mugule galimoto. Pa nthawi yomweyi, bajeti yotereyi siidzakhala yolemetsa.

Kusungidwa ndi kusungira ndalama

Pambuyo pake kutayika kubwezera ndalama zina, funso limakhalapo momwe angasungire, ndipo ndi bwino ngati apanga phindu. Inde, ngati mumasungira ndalama zanu "pansi pa pillow", simungathetsere vuto la momwe mungasungire galimoto yoyamba posachedwa komanso mwamsanga.

Pali njira yoti mutsegule chiphaso ku banki, koma simungapeze phindu lolimbika, makamaka, zomwe mungathe kuyembekezera ndi 10 peresenti pachaka.

Ndalama za ndalama

Pali njira yothandiza kwambiri yomwe funso la momwe mungapulumutsire ndalama galimoto limathetsedwa mwamsanga. Ndi yani? Kupereka ndalama. Mungathe kugulitsa ndalama zanu muzinsinsi, akaunti za PAMM, mafayilo a intaneti, Mutual Funds, "Forex". Zida zonsezi zikhoza kukuthandizani kupeza phindu lalikulu, chinthu chachikulu ndikuphunzira momwe mungayendetse bwino.

Pakalipano, chitsimikizo chotere monga kukhulupilira kwa ndalama za malonda "Forex" ndifalikira. Musanayambe kugwiritsa ntchito magazi anu pano, muyenera kumvetsa mfundo zomwe mukuchita pa bizinesi imeneyi, ngati simungasankhe kuti mwamsanga mungasungire galimoto, komanso mutaya ndalama zanu zonse zosungidwa.

Kumbukirani kuti malonda aliwonse amakhala ndi zoopsa zina, kotero ngati mwatsimikiza kuchita izi, musagwiritse ntchito ndalama zanu zonse, koma mbali yake chabe.

Ndalama Zamoto

Pakalipano, anthu omwe akusowa galimoto nthawi yayifupi, mwachitsanzo, pakuchita bizinesi, amaperekedwa kukonzekera ngongole. Inde, ngati zikhalidwe za munthu sizili zolemetsa mopanda malire, ndiye kuti njira yotere yokhala ndi "kavalo wachitsulo" sayenera kunyalanyazidwa. Yerekezerani zoperekedwa kuchokera ku mabanki osiyanasiyana ndikusankha zopindulitsa kwambiri. Muyenera kugwiritsa ntchito ku bungwe la zachuma, kutulutsa mapepala oyenerera ndi mafungulo a galimoto adzakhala pafupi posachedwa. Ndizo zonse. Konzani vuto la momwe mungasungire ndalama galimoto, simukusowa. Komabe, mobwerezabwereza, mudzalandira imodzi - mwezi ndi mwezi, mudzayenera kulipira nthawi yake ndalama kubwezera ngongole, ndi chidwi. Chosankha chogulira galimoto ndi chabwino - ziri kwa inu.

Pa nthawi imodzimodziyo, ogwira ntchito mabungwe a mabanki okha, kupereka ndemanga zosatsutsika za ubwino ndi zopindulitsa za ngongole, nenani kuti wina sayenera kutenga ndalama kwa magalimoto, omwe posachedwapa adzayamba kugwera mtengo. Apo ayi, mumayesetsa kupereka malipiro awiri. Kuonjezera apo, udzafunsidwa kulipira chiwongoladzanja, kubweretsa inshuwalansi ndi zina zowonjezera.

Kodi ndi zotani m'mayiko a ku Ulaya?

N'zoona kuti anthu a ku Ulaya, komanso anthu a ku Russia, amakonda kukwera magalimoto abwino. Komabe, amayandikira kugula magalimoto mosamala kwambiri kusiyana ndi anzathu. Nzika za "Dziko Lakale" nthawi zonse zimayang'ana mozama zachuma chawo ndipo sagula kugula ndalama zopitirira miyezi isanu ndi itatu.

Kodi mungakhale bwanji mwini wa galimoto kwa wophunzira wamba?

Lero galimoto ndi malire a maloto kwa achinyamata. Ophunzira kusukulu akugona tulo ndikuwona momwe akuyendetsa galimoto yothamanga kwambiri komanso yosasinthika. Koma momwe mungapulumutsire wophunzira pa galimoto ndipo n'zotheka ? Zoonadi, izi sizili zosavuta, koma monga mukudziwa, palibe chomwe sichingatheke padziko lapansi. Koma achinyamata amayenera kudziletsa kwambiri pa ndalamazo ndikuwongolera ndalama zonse. Kachiwiri, muyenera kuyamba ndi kukhazikitsa cholinga ndi kusankha tsiku lenileni, pamene likufunikira kuphedwa.

Komanso nkofunikira kulingalira za ntchito pa nthawi yophunzira. Zimangotsala pang'ono kubwezeretsa gawo lanu lapindula pofuna kukwaniritsa cholinga chanu.

Kutsiliza

Inde, simungagwiritse ntchito ndalama zanu zopindulitsa pena paliponse, poopa kuti mutha kuwasiya mu ola limodzi. Ndipo panopa, mumagula galimoto, koma zaka khumi ndi zisanu zokha. Ngati mukufuna kupititsa patsogolo ndondomekoyi, ndiye kuti simungathe kuchita chiopsezo. Muyenera kukumbukira kuti chiopsezo chilichonse chiyenera kukhala choyenera.