Kulemba Financial: mmene kuchotsa mangawa pa ngongole?

Zimachitika kuti kupezeka kwa mankhwala ngongole masewero nthabwala nkhanza ndi anthu amene sangathe ndalama dongosolo ndalama. Zotsatira - ngongole, mthunzi ngongole mbiri, kutsegula mitsempha ndi funso lakuti: "Kodi kuchotsa ngongole?" Komabe, chifukwa chilichonse pali njira. Tiyeni tione njira zoposa-kwako.

Choyamba, lembani maudindo awo: yani, kodi ndi pamene kubwerera. Chinthu "okwana" angakhale anadabwa, koma chinthu choyamba watengedwa.

Kodi kuchotsa ngongole ngongole, ngati ambiri a iwo? Yambani mwanzeru kuti abweze ngongole. Ngati kwambiri cha ngongole, mu malo oyamba kupereka kwambiri "mtengo" (amene ndi chiwongoladzanja chochuluka).

Izi si kuteteza delinquencies otsala pa nthawi iyi ya makhadi chotchipa, mukhoza kulipira malipiro osachepera.

Ngati muli ndi ngongole ndi chidwi otsika, linaperekedwa ndi thandizo la ngongole ndi amadwala chidwi.

Kamodzi chimatha ndi ngongole mtengo kwambiri, kuyamba kuzimitsa pazipita chimodzi "zazing'ono" mangawa. Mudzaona kuti chiwerengero cha ngongole amachepetsa, zomwe zabwino bwanji maganizo kupambana pa maudindo ena.

Ngati n'kotheka, yesani kupereka kuposa kuchuluka kwa malipiro osachepera pa makhadi chifukwa chidwi wapatsidwa pa iwo tsiku lililonse. Sikuti ndi kutambasula alipire ya malipiro ngongole wamng'ono, chifukwa iwo ali m'gulu kwathunthu mabungwe ndi chidwi. The ntchito yaikulu ya mwezi ndalama malipiro osachepera kuti chochepa, chifukwa mu ntchito yaitali ndalama ndi kuonjezera wobwereka overpayment.

Ngati mukuona kuti palibe delinquencies sangakhoze kuchita, kuika banki mu kutchuka. Kuyesera kubisala ndi kutha amakhala opanda monga ndiyotani pakuchotsa ngongole adzakhala ndi inu nokha ndi wina aliyense. Lero, mabanki ambiri kudzakumana wobwereka, ngati Chenjezo pa zimenezi ndipo sikuti amakana kulipira ngongole zawo. Amenewa amatchedwa ngongole kukonzanso - kuchepetsa kuchuluka kwa ndalama ndi kuwonjezeka akuti ngongole ndi chiwongola dzanja.

Yankho lotsatirali kwa funso mmene kuchotsa ngongole - kuika kuti bajeti. Mfundo yaikulu yosamalira chuma payekha - mtengo wotsika, ndalama zambiri.

Choyamba, kuyamba kulemba ndalama. Pangani dongosolo kupambana spreadsheet ndi tsiku amachita ruble anakhala ndi kugawa mtengo wa gulu (mwachitsanzo, "chakudya", "zovala", "Entertainment", "ana", "mafoni mauthenga", "zapamwamba", "lendi", etc.) . Patangotha masiku ochepa pambuyo pa chiyambi wochita tsikulo ndalama adzakhala chilakolako akuletsani kwambiri. Werengerani masamba angati ndalama pa mwezi wachina chilichonse, ndipo kodi cholowa mu ndalama okwana. Ganizilani ngati izo zikanakhala zotheka kuchepetsa iwo, kudziwa kuchuluka kwa ndalama.

Pewani kugula mwangozi kapena posakonzekera. Taganizani za masabata, tiyeni kukhudzidwa zikhazikike. Ngati inu kupanga zochita, chinthu chimenecho Komabe tinkafunikira, kufananiza mitengo, kuwerenga ndemanga kugula.

Ndiyotani pakuchotsa ngongole? Moyo ndalama zimene mumapeza, muziganizira ndalama kuposa inu kupeza. M'malo yobereka pizzas ndi masikono pa chakudya kunyumba kuphika, ndi muzimvetsera ndi olimba kalabu - masewero olimbitsa thupi kapena kuthamanga, akupita ku kalabu - zokagona. Tayani kumwa ndi kusuta - ndipo komabe kupulumutsa pa mankhwala.

Ndalama yanu: Pezani chachiwiri ntchito kapena mbali nthawi, pa ntchito panopa ikugwira ntchito yake kotero kuti anaukitsa malipiro, kumvetsa ntchito zovuta, achangu ndi olimbikira.

Gulitsani zinthu osafunika kapena zosafunika.

Atafotokoza banki otsiriza ruble ngongole Mulimonsemo salinso kutenga ngongole, choncho ndiyotani pakuchotsa ngongole - ndi nthawi yovuta, ndi chimwemwe cha kupeza amatenga zosakwana ndandanda malipiro.

Inde, Kuyamikira zofunika. Kugula zikuluzikulu angatipulumutse ku ukalamba, ndipo ine ndikufuna kuti panopa. The ngongole yilungamitsidwa ngati umalimbana kusintha yaitali udindo ndalama kapena kugula zida kwambiri. Mwachitsanzo, kubweza ngongole m'malo lendi mwezi ndi ngongole galimoto ntchito ndi mayendedwe banja tsiku ndi tsiku.