Kupanga chuma ndi ulendo womwe umafunika kuphatikiza chidziwitso, mwambo, ndikukonzekera njira. Kutsegula zinsinsi zomanga chuma ndi ntchito yomwe imakopa anthu ambiri kufunafuna njira zomwe zingasinthe kwambiri njira zawo zachuma. Kufunafuna chuma sikungowonjezera phindu la munthu; ndizophatikiza zovuta za mfundo ndi machitidwe omwe, akamvetsetsedwa ndikugwiritsidwa ntchito, angayambitse kukula kosaneneka kwa nthawi yayitali ndi chitukuko. Ngakhale kuti njira za munthu aliyense zingasiyane, pali mfundo zofunika kwambiri zimene zingathandize anthu amene akufunafuna chuma.
1. Kudziwa zachuma
Kudziwa ndi mphamvu, makamaka pankhani ya zachuma. Kupititsa patsogolo luso lanu lazachuma pomvetsetsa mfundo zazikuluzikulu zachuma, kusintha kwa msika, ndi magalimoto oyika ndalama kumakupatsani mphamvu kuti mupange zisankho mwanzeru. Kudziphunzitsa nokha za momwe chuma chikuyendera, kukonza bajeti, kuyika ndalama, ndalama zanu, ma accounting, komanso kudziwa zambiri zazachuma kungakuthandizeni kuwona mwayi ndikupewa misampha.
2. Kukhazikitsa zolinga zomveka bwino ndi zotheka kuzikwaniritsa
Kumanga chuma kumayamba ndi masomphenya omveka bwino. Kukhazikitsa zolinga zenizeni, zoyezera, zotheka, zoyenera, komanso zoyendera nthawi (SMART) kumapereka njira yopambana pazachuma. Kaya mukufuna kugula nyumba, kulipira maphunziro, kapena kupuma bwino, zolinga zodziwika bwino zimakhala ngati nyali, zotsogolera anthu panjira yopezera chuma.
3. Kugwiritsa ntchito bajeti
Kupanga ndi kutsatira bajeti ndi mfundo yoyambira yopangira chuma. Bajeti si chida choletsa; m'malo mwake, ndi chida chomasula chomwe chimapereka mphamvu kwa anthu kugawa chuma mwadongosolo. Kubwereza nthawi zonse ndikusintha bajeti kumatsimikizira kuti zikugwirizana ndi zomwe zikuchitika komanso zolinga zachuma.
4. Kusamalira ngongole
Ngongole ndi lupanga lakuthwa konsekonse, lomwe lingathe kulepheretsa kapena kuthandizira kumanga chuma. Kusiyanitsa pakati pa ngongole zabwino, monga ngongole zanyumba ndi maphunziro, ndi ngongole zoipa, monga mabanki a chiwongoladzanja cha chiwongoladzanja chachikulu. Ikani patsogolo pa ngongole zachiwongola dzanja chachikulu kuti muchepetse mavuto azachuma ndikufulumizitsa kusonkhanitsa chuma.
5. Njira zambiri zopezera ndalama
Kudalira njira imodzi yopezera ndalama kuli ngati kuyimirira mwendo umodzi - wosakhazikika. Popanga njira zopezera ndalama zambiri, mumasokoneza ndalama zomwe mumapeza, monga momwe mumapezera ndalama. Izi zikuphatikizapo ndalama zobwereka, ma dividend stocks, mabizinesi apambali, katundu wandalama, kapena ntchito yaganyu. Kupeza ndalama zambiri kumatanthauza chitetezo chochulukirapo komanso njira zambiri zogulira.
6. Yesetsani kusamala
Kupanga chuma sikungotengera kuchuluka komwe mumapeza koma kuchuluka komwe mumasunga. Frugality ndi chizoloŵezi chopeza katundu ndi ntchito mopanda malire - ndizofunikira pakusunga ndi kugulitsa. Kukhala moyo wosalira zambiri kwenikweni ndi kuika patsogolo ndalama zanu. Mfundoyi ikulimbikitsani kuti mukhale ndi moyo wocheperapo komanso kusamala ndi ngongole, kuwonetsetsa kuti muli ndi ndalama zogulira mwayi wopeza chuma.
7. Kusunga kosasintha
Kusunga nthawi zonse, mosasamala kanthu za kuchuluka kwake, kumatha kubweretsa chuma chambiri pakapita nthawi. Limbikitsani mphamvu zophatikizira poyambira kusunga mwachangu komanso mokhazikika pamaakaunti oyika ndalama. Ngakhale zing'onozing'ono, zopereka zosasinthasintha zimatha kukula kwambiri, kupanga maziko olimba a chipambano chazachuma kwa nthawi yaitali.
8. Ndalama zadzidzidzi
Moyo ndi wosadziŵika bwino, ndipo mavuto azachuma angabwere mwadzidzidzi. Kukhazikitsa thumba lazadzidzidzi lofanana ndi ndalama zolipirira miyezi itatu kapena isanu ndi umodzi kumapereka chitetezo, zomwe zimalola anthu kuthana ndi zovuta zosayembekezereka popanda kusokoneza zolinga zawo zachuma zomwe zakhalitsa.
9. Kuika ndalama mwanzeru
Kuyika ndalama ndi gawo lofunikira pakumanga chuma, kumapereka mwayi kwa katundu kuti ayamikire pakapita nthawi. Phatikizani mabizinesi m'magulu osiyanasiyana azinthu, monga masheya, ma bond, ndi malo, kuti muchepetse zoopsa. Kufunafuna chitsogozo kuchokera kwa alangizi azachuma kumatsimikizira kuti njira zogulira ndalama zimagwirizana ndi zolinga zamunthu payekha komanso kulolerana kwa ngozi.
10. Kusiyanasiyana
Kuyika mazira anu onse mudengu limodzi ndikoopsa. Diversification imafalitsa ndalama zanu m'magulu osiyanasiyana azinthu monga ma equity ndi ma bond m'magawo osiyanasiyana kuti muchepetse chiwopsezo. Mwanjira iyi, ngati ndalama imodzi sichita bwino, kupambana kwa ena kungathandize kuthetsa kutayika. Zosiyanasiyana zamitundu yosiyanasiyana zimakhala bwino kuti zigwirizane ndi kusakhazikika kwanyengo komanso kubweretsa phindu lokhazikika pakapita nthawi.
11. Konzani kagawidwe ka chuma
Kugawa katundu ndi kusankha momwe mungagawire mabizinesi anu m'magulu osiyanasiyana azinthu - monga masheya, ma bond, mabizinesi, ndalama zomwe muli nazo, ndi malo ogulitsa - malinga ndi momwe mungagulitsire komanso kulekerera zoopsa. Njira yabwinoyi imawona kuti magulu ena azinthu amachita mosiyana ndi momwe msika ulili, zomwe zimathandizira kuchepetsa chiopsezo ndi mphotho.
12. Muziganizira kwambiri zolinga za nthawi yaitali
Chuma nthawi zambiri chimamangidwa pakapita nthawi. Kuyang'ana pa zolinga zachuma za nthawi yayitali kumafuna masomphenya omwe amawonjezera zaka, kapena zaka zambiri, mpaka mtsogolo. Mfundoyi ikutanthauzanso njira yokhazikika yopezera ndalama, kukana kufunafuna ndalama pakusintha kwanthawi kochepa kwa msika, zomwe zingasokoneze zolinga za nthawi yayitali. Zimafunikanso luso lopanga bizinesi kapena katundu wogwiritsa ntchito ndalama pakapita nthawi.
13. Yesetsani kuyang'anira zoopsa
Kuwongolera zoopsa kumaphatikizapo kuzindikira zoopsa zomwe zingachitike pamabizinesi anu ndikupeza njira zochepetsera. Ndiko kulinganiza kuthekera kwa kubweza kwakukulu motsutsana ndi chiopsezo cha zotayika. Ndikofunikira kuwunika kulekerera kwanu pachiwopsezo ndikukhazikitsa ndalama zanu moyenera, kuwonetsetsa kuti simukuchulukirachulukira pakugwa kwa msika. Zimatengera zoopsa zowerengeka kuti mupange chuma koma pamafunika kuwongolera zoopsa kuti musunge chuma chomwe mwapanga.
14. Khalani oleza mtima ndi odzilanga
Kumanga chuma ndi marathon, osati kuthamanga. Zimafunika kuleza mtima ndi kulanga kuti musamamatire ku ndondomeko yanu ya ndalama ngakhale pamene msika uli wosasunthika. Kuyika ndalama mwamalingaliro nthawi zambiri kumabweretsa kugula kwakukulu ndi kugulitsa motsika, zosiyana ndi zomwe kugulitsa bwino kumaphatikizapo. Zimafunikanso kuvomereza zokwera ndi zotsika, zoopsa, ndi kusatsimikizika, pakumanga bizinesi yanu. Khalani panjira ndikudalira dongosolo lanu lalitali.
15. Kuphunzira mosalekeza ndi kusintha
Maonekedwe azachuma ndi osinthika, ndipo mayendedwe amsika, mwayi woyika ndalama, komanso mikhalidwe yachuma ikusintha nthawi zonse. Kukhala ndi malingaliro opitilira kuphunzira kumatsimikizira kuti anthu amakhala odziwa komanso osinthika. Njira yolimbikirayi imawathandiza kuti azitha kuyang'ana pakusintha kwachuma ndi chidaliro.
Kutsiliza
M'malo mwake, njira yopezera chuma chambiri ndikuphatikiza machitidwe azachuma, kuchitapo kanthu mwanzeru, komanso kusinthika kwachuma komwe kumasintha nthawi zonse. Ndi za kukulitsa njira yodalirika yoyendetsera chuma pomwe mukulimbikitsa kudzipereka kosatha ku masomphenya anu azachuma. Pokhala ndi mtima wonse malingaliro olunjika pakukula bwino komanso kukonzekera bwino, munthu amatha kuyang'ana zovuta za kudzikundikira chuma ndikukhala ndi tsogolo labwino.