Ngongole ndi nkhani ya moyo. Kuchokera ku ngongole za ophunzira kupita ku ngongole zanyumba, zikuwoneka ngati gawo lililonse lauchikulire limafunikira mtundu wina wangongole. N’zosadabwitsa kuti akuluakulu ambiri aikidwa mmenemo, zomwe zikuchititsa kuti anthu azidera nkhawa kwambiri. Amachita mantha tsiku lomwe mabilu awo angabwere, akuwopa mawu oti "zosasintha" ndi "ndalama zochedwa". M'dziko lamasiku ano la ngongole zomwe zikuchulukirachulukira, kodi mungapewe bwanji kumira mu dzenje lakudali?
Nazi zinthu zingapo zofunika kuzikumbukira kuti musachoke pa ngongole.
1. Khalani ndi zomwe mungakwanitse
Ndizosavuta koma zanzeru. Ngati simukufuna kukhala ndi ngongole, phunzirani kukhala ndi ndalama zomwe mungathe. Ingogwiritsani ntchito ndalama zomwe muli nazo ndipo mutha kugawana nazo. Ngati mukuwona chinthu chomwe mukufuna koma simungagule chifukwa mulibe ndalama, ganizirani ngati mukufunikiradi kukhala nacho panopa kapena ngati mungadikire kaye kuti mugule.
2. Muzisamala
Dzifunseni nokha: kodi mukufunikira latte yamtengo wapatali? Kapena foni yatsopano yodula ija? Kodi muyenera kudya kunja-kwa usiku wachitatu sabata ino? Nthawi zonse ganizirani kawiri musanagule khadi kapena kukumba ndalama. Pangani kapu yanuyanu ya khofi, konzekerani zakudya zanu m'malo moyitanitsa kapena kudya ku lesitilanti, ndipo chitani kafukufuku wanu ndikusankha zina zotsika mtengo zomwe zimapereka mtundu womwewo pogula chinthu.
3. Simufunika makhadi onsewa
Khalani ndi chimodzi kapena ziwiri. Ndipo onetsetsani kuti posankha kirediti kadi, sankhani yomwe ili ndi chiwongola dzanja chochepa komanso zabwino zambiri.
4. Lipirani osachepera, koma ngati nkotheka, lipirani kuposa pamenepo
Ngongole zama kirediti kadi, makamaka zosalipidwa, zimakula msanga chifukwa cha chiwongola dzanja chokwera ndi chiwongola dzanja mochedwa. Onetsetsani kuti mupereke ndalama zochepa. Ngati mungakwanitse kulipira zambiri, teroni. Izi zidzakutengerani pang'onopang'ono kubweza ngongole yanu ya kirediti kadi osati kungoyimitsa kusakhazikika.
5. Khalani ndi bajeti ya mwezi uliwonse
Ndikofunikira kwambiri kugwiritsa ntchito bajeti. Zidzakuthandizani kupewa kuwononga ndalama zambiri komanso kukuthandizani kuti muyambe kusunga ndalama zanu. Kukhala ndi bajeti kudzakukakamizaninso kusunga ndalama zomwe mumawononga komanso ndalama zanu.
6. Yesani kuphatikiza ngongole
Izi zikutanthauza kuphatikiza ngongole zanu zonse kuchokera kumabungwe osiyanasiyana kukhala ngongole imodzi yayikulu yomwe mutha kulipira. Zingatanthauzenso kuti mutha kusangalala ndi chiwongola dzanja chochepa. Koma onetsetsani kuti mwalipiranso izi, zomwe zimatifikitsa kunsonga yathu yotsatira.
7. Lipirani ngongole zanu
Ngati muli ndi ngongole, lipirani. Ngati simukulipira ngongole, banki yanu idzakulipirani ndalama zochedwa zomwe zingakupangitseni ngongole yanu kukhala chinthu chomwe tsiku lina chidzawoneka chosatheka. Kusalipira ngongole yanu kumachepetsanso ngongole yanu. Kukhala ndi mbiri yoyipa yangongole nthawi zina kumatha kusokoneza chiyembekezo cha ntchito komanso kukhudza kuvomerezedwa kwa ngongole zamtsogolo monga ngongole zanyumba.
Kutsiliza
Pankhani ya ngongole, kukhala ndi zochepa monga momwe kungathekere ndi chinthu chabwino nthawi zonse. Osaluma kuposa momwe mungatafunire ndipo nthawi zonse muzibweza zomwe muli nazo.