Mutha kuwona magalimoto akudutsa ndikudziwa kuti simudzakhala eni ake, kapena simuli bwino nazo. Kapena mungakonde kupezerapo mwayi pamalonda ena, koma bajeti yanu siyikulolani kugula zinthu zotere. Sikophweka kupeza ndalama zowonjezera pazinthu zonse zomwe mukufuna komanso zomwe mukufuna, koma pali njira zing'onozing'ono zosungira ndalama zambiri m'thumba lanu. Ziribe kanthu kuti mumapeza ndalama zingati, ndizotheka kuchepetsa ndalama zina ndikuwonjezera katundu.
Kukhazikika kwachuma kwa munthu kumatsimikiziridwa ndi phindu lake. Ndalama, zomwe munthu akuyembekezeka kudzapeza mtsogolo akagulitsa katundu ndi ngongole zonse, zimawonjezera kupanga chotengera ichi. Itha kuwerengedwa pochotsa ngongole zonse kuzinthu zonse. Kupeza ndalama zambiri kumawonjezera ofunika khoka za munthu payekha, koma pali njira zinanso.
Nazi njira zina zoyambira dongosolo lanu.
1. Gulani inshuwalansi ya moyo wanu
Kuti muwonjezere phindu lanu, muyenera kuyika ndalama muzinthu zomwe zimapeza phindu pakapita nthawi. Zimaphatikizapo zinthu zamadzimadzi monga ndalama zosungira ndi zopuma pantchito komanso zinthu zowoneka ngati katundu ndi nyumba. Kodi inshuwaransi ya moyo ndi chuma? Kaya ndi chuma zimatengera ngati mumapindula ndi inshuwaransi ya moyo mukadali ndi moyo. Chifukwa chake, inshuwaransi yanthawi yayitali sichabwino chifukwa imangolipira omwe akudalira mukamwalira.
Koma inshuwaransi ya moyo yokhala ndi mtengo wandalama monga inshuwaransi ya moyo wonse imatengedwa ngati chuma. Mutha kutenga ndalama ku inshuwaransi ya moyo wanu mukadali ndi moyo. Ndi mtundu uwu wa inshuwaransi ya moyo, peresenti ya ndalama zanu zimapita ku akaunti yosungira ndalama. Ndalamayi idzadalira ndondomeko yanu. Popeza mtengo wa inshuwaransi ya moyo umakula pakapita nthawi, umapereka chithandizo cha moyo wonse.
Chifukwa chake, mutha kugulitsa ngati njira yokhazikitsira moyo pomwe mfundo sizikufunikanso. Inshuwaransi ya moyo wonse mosakayika ingapereke zopindulitsa zopanda msonkho zikakonzedwa moyenera. Tanthauzo lake, inshuwaransi yamoyo iyi imatha kupereka ndalama zowonjezera ngati kuli kofunikira, mwina kuposa momwe ma inshuwaransi amapanga. Poganizira zinthu izi, khalani ndi inshuwaransi tsopano.
2. Chepetsani ndalama
Kumbukirani kuti mukamagwiritsa ntchito ndalama zochepa, mumapeza ndalama zambiri pamtengo wokwanira. Izi zati, onetsetsani kuti mukuwunikanso bajeti. Yang'anani ndalama zomwe mumawononga ndipo muwone komwe mungachepetseko. Dziwani kuti ngakhale dola apa ndi apo ikhoza kudziunjikira ndalama zambiri pachaka. Choncho, ganizirani ndalama zomwe mungachepetse komanso zomwe simukuzifuna.
3. Invest in mutual funds ndi stock ETFs
Ndalama zogwirizanitsa ndi ndalama zogulitsa malonda zimakhala ndi zinthu zofanana monga katundu, ma bond, ndi masheya. Ma Stock ETF amatha kugulitsidwa kapena kugulidwa kudzera mumsika. Kumbali ina, ndalama zogwirizanitsa zikhoza kugulidwa mwachindunji kuchokera ku kampani yomwe imayang'anira ndalamazo. Imodzi mwa njira zabwino zopezera chuma chanthawi yayitali ndikudziwonetsa nokha ku msika wamasheya kudzera mu ndalama zolumikizana ndi ma ETF. Mukasankha kugulitsa zinthuzi, kudzipereka ndikofunikira.
Khalani omasuka ndi kusinthasintha kwa msika. Ndikofunikira kukhalabe pamaphunzirowa ndikulola kuti ndalama zanu ziziphatikizana. Mukakhala omasuka ndi mbiri yanu yogulitsa ndalama, mutha kuyamba kutenga njira zomwe mukufuna kuti mukweze misika yayikulu pakapita nthawi. Kumbukirani kuti zosankha zamalonda izi sizoyenera aliyense. Amafunikira kuchuluka kwa ophunzira komanso kukhudzika kuti akhalebe otanganidwa pamsika.
4. Lipirani ngongole yanu
Mukangotha, onetsetsani kuti mwabweza ngongole yanu yonse. Dziwani kuti ndalama zomwe muli ndi ngongole zitha kugwiritsidwa ntchito kupanga phindu lanu. Komabe, dziwani zilango zomwe zimaperekedwa pakulipira msanga kuti mupewe. Lingalirani kutsatira njira ya snowball kuti mubweze ngongole zanu. Munjira iyi, mumalipiritsa ndalama zochepa mwezi uliwonse pangongole zanu zonse koma mumayika ndalama zowonjezera pangongole zotsika kwambiri. Kuchita zimenezi kudzamasula mwamsanga ndalama zomwe mungagwiritse ntchito kulipira ngongole kapena kuyikapo ndalama.
5. Pangani thumba lachidziwitso
Pewani ndalama zina kuti muthe kulipira zinthu zadzidzidzi monga kukonza galimoto kapena kudwala mwadzidzidzi. Kupanga thumba lazadzidzidzi ndi njira imodzi yotsimikizika yowonjezerera ndalama zanu ndikukulitsa katundu wanu. Zingakuthandizeni kupewa kutenga ngongole zambiri ndikukhalabe ndi ndalama. Mutha kuyamba pang'onopang'ono ndipo mukatha kupulumutsa zambiri, mutha kuyesa kusungira zambiri thumba lanu ladzidzidzi.
malingaliro Final
Onetsetsani kuti mukulankhulana ndi mlangizi wazachuma kapena akaunti kuti mudziwe momwe mungasinthire momwe chuma chanu chikuyendera. Musachite manyazi kugwiritsa ntchito zomwe zilipo kapena kupempha thandizo. Komanso, onetsetsani kuti mwapanga dongosolo lazachuma kuti muzitsatira. Mukakhala ndi zolinga zandalama zomwe mukufuna kuzikwaniritsa kapena kuzikwaniritsa, mudzakhala olimbikitsidwa kuzikhomerera ndikuzichita. Yang'anirani momwe mukupita ndikuzindikira zomwe muyenera kusintha kuti mukwaniritse zolingazi.