Mawu akuti Ngongole amadzetsa mantha osakanizika achilendo kwa ambiri aife. Kubwereka ngongole mosalekeza kungakugwetseni m'mavuto. Ikhoza kukuthandizani kuti mukhale ndi mtendere wamumtima komanso kuti mukhale ndi moyo wabwino.
N'zomvetsa chisoni kuti ambiri aife sitingagwirizane ndi misampha ya ngongole ndipo ena amangochitapo kanthu pamene sangathe kupirira ngongole yosalekeza.
Koma tiyeni timvetse izi. Ngongole payokha siili yoyipa monga momwe timapangira. Anthu amatenga ngongole kuti akwatire ana awo. Nthawi zambiri timatenga ngongole zanyumba ndi ngongole zamaphunziro apamwamba.
Ngongole imatha kupulumutsa moyo ikagwiritsidwa ntchito pazifukwa monga kulipira ngongole za opareshoni ndi ngongole za dokotala.
Choncho singongole yomwe mwa iyo yokha ndi msampha, ndikulephera kubweza ngongoleyo pa nthawi yake ndiko kuipa.
Chifukwa Chiyani Ngongole Ndi Yovuta Kulipira Anthu Ambiri?
Tsopano funso nlakuti, nchiyani chimene chimachititsa kukhala kovuta kubweza ngongoleyo? Kodi n’chifukwa chiyani anthu ambiri amakhala pamodzi m’ngongole kwa zaka zambiri?
Zoonadi, tikamanena za kubweza ngongoleyo, kuchuluka kwa ngongole imene tinapeza ndi ndalama zimene timapeza ndi nkhani zofunika kuziganizira. Ndiloleni ndifotokoze mwa chitsanzo.
Tiyerekeze kuti muli ndi vuto lachipatala, ndipo mumayenera kutenga ngongole ya Rs 5 lacs. Ena mudawatenga ngati ngongole kwa achibale, ena kubanki, ena mwa kubwereketsa katundu kapena katundu ngati golide.
Tsopano, ndalama zomwe mumapeza pamwezi ndi Rs. 60,000, ndipo mwaganiza zochepetsera ndalama zina mwezi uliwonse kuti mulipire ngongoleyo. Mwayi udzakhala wopanda ngongole m'zaka zingapo ngati mukugwirizana ndi kubweza ngongoleyo.
Koma tiyeni tilingalire zangongole yomweyi ndi ndalama zokwana Rs. 20,000 pamwezi. Kulipira ngongole ndi ndalama zochepa pamwezi kumakhala kovuta kwambiri.
Tsopano, ndikuwuzani momwe mungalipire ngongole mukakhala ndi ndalama zochepa.
Ndipo n'chifukwa chiyani muyenera kumvera njira zanga zobweza ngongole?
Njira zonsezi ndi zoyesedwa komanso zoyesedwa zomwe ndimagwiritsa ntchito kulipira ngongole zanga zopitilira 2 lacs, komanso zomwenso pakangotha chaka chimodzi, komanso ndikupeza ndalama zochepa.
Wodabwa?
Mukukayikira?
Chabwino, werengani kuti mudziwe momwe mungabwezere ngongole mwachangu ndi ndalama zochepa, komanso popanda kusokoneza thanzi lanu lamalingaliro potero.
Ganizirani mmene ngongole ilili
Chinthu choyamba ndikutenga nthawi ina, kukhala ndi cholembera ndi pepala ndi chowerengera ndikuwona kuchuluka komwe muli nako potenga ngongoleyo.
Werengani chiwongola dzanja ndi ndalama zomwe muyenera kulipira mwezi uliwonse kapena kotala lililonse.
Kenako pezani mayankho a mafunso otsatirawa potengera zikalata zanu zangongole (za ngongole zomwe zatengedwa ku mabungwe azachuma) :
- Ngati ndili ndi mwayi wolipira ngongoleyo mwachangu kodi banki/bungwe lazachuma livomereza kapena ali ndi zolinga zobisika kuti apitirize kutenga chiwongola dzanja?
- Kodi chiwongola dzanja changa chidzasintha ndikapereka ndalama zambiri mwezi uliwonse?
- Kodi ndingachepetse bwanji nthawi yolipira ngongole popanda kubweza ndalama zowonjezera?
Timvetsetse kuti cholinga chathu pofunsa mafunsowa ndi chimodzi chokha - tikufuna kubweza ngongoleyo posachedwa.
Mabungwe azachuma nthawi zambiri amakhala ndi zolinga zobisika momwe amalipiritsa chiwongola dzanja chokwera pamalipiro ena kapena malipiro akulu kamodzi. Onaninso zolipiritsa zobisika.
Pezani woyimilira ku bungwe lazachuma kuti ayankhe mafunso anu okhudza kubweza ngongole.
Chilichonse padziko lapansi masiku ano chikuyenda bwino kuphatikiza ndalama zomwe timapeza komanso luso lopeza. Ndi bwino kupereka malipiro a ngongole mwamsanga pakusintha nthawi ngati imeneyi.
Kuchepetsa Mtengo pa Zofunika Zapamwezi
Tsopano, ichi ndi chovuta. Zosowa zathu za mwezi ndi mwezi ndi zomwe kuchepetsa mtengo kungakhudze mwachindunji moyo wabwino. Koma sikutheka kutero sungani ndalama kuchokera ku ndalama zokhudzana ndi zosowa zathu zofunika.
Mutha kukhala osamala pang'ono pakugwiritsa ntchito magetsi ndi gasi. Pang'ono amapita kutali. Mukhozanso kusamala kuti musawononge zakudya zochepa. Tikawononga zochepa, timafuna zochepa.
Komanso, yesani kuona ngati mungathe kuchepetsa ndalama zolipirira thiransipoti. M'malo modzuka mochedwa ndikukwera basi kupita kuntchito, mutha kudzuka m'mawa kwambiri ndikukwera basi.
Chenjezo: Osapitira m'madzi ndikuyesa kuchotsa ndalama pamtengo uliwonse wofunikira. Ndalama kuchokera ndalama pamwezi zitha kutithandiza kulipira ngongole mwachangu koma sizingakhale njira yokhayo yopulumutsira yomwe ingatithandizire kubweza ngongole.
Chepetsani Ndalama Zosafunikira
Nthawi zina, mosazindikira, timapitirizabe kulipira kapena kugula zinthu zambiri zomwe sitifunikira kapena kugwiritsa ntchito.
Mwachitsanzo, mutha kukhala ndi chingwe cholumikizira kunyumba, koma mulibe nthawi yowonera TV. Mukafuna kudziwa zankhani, YouTube ndiye malo anu oti mupite. Zikatero, mutha kutsazikana ndi ndalama za mwezi uliwonse za chingwe.
Onani, ndalama zanu zosafunikira ndi ziti? Kodi ndikulembetsa ku Netflix? Kapena maulendo osafunikira opita ku salon? Mwinamwake, kumwerekera ndi fodya kumene kukuwonongerani ndalama zambiri (osatchulapo mmene zingakhudzire thanzi lanu)?
Kodi mumagula pa tiffin panja m'malo motengera zakudya zopangira kunyumba kuofesi?
Dziwani ndalama zanu zosafunikira, ndipo chepetsani ndalamazo. Kenako mutha kugwiritsa ntchito ndalama zomwe mwasunga pakubweza ngongole. Pafupifupi, mutha kusunga pafupifupi Rs. 800–2000+ pongodula ndalama zosafunikira.
20% ya ndalama zomwe mumapeza polipira Ngongole
Lamulo lodziwika bwino la 50-30-20 limatanthawuza kuti muyenera kusunga 20% ya ndalama zomwe mumapeza pambuyo pa msonkho kuti mulipire ngongole. Ili ndi lamulo labwino kwambiri lomwe muyenera kuliganizira mukamatenga ngongole kumabungwe azachuma omwe amakhala ndi ngongole pamwezi + yolipira chiwongola dzanja.
Ngati ndalama zomwe mumapeza pamwezi ndi Rs. 20,000 mutachotsa msonkho ndi PF, muyenera kulipira 20% ya Rs. 20,000 ie Rs. 2000 nthawi yomweyo kubweza ngongole mwezi uliwonse.
Tumizani Zomwe Mukufuna
Tikakhala ndi ngongole, cholinga chathu chachikulu chiyenera kukhala pa kubweza ngongoleyo.
Kuchedwetsa zofuna kungathandize kubweza mwachangu.
Nenani kuti firiji yanu ndi yakale, ndipo mukukonzekera kugula. Ichedwetseni kuti nthawi zopanda ngongole.
Mukakhala ndi ngongole, pangani mawu oti "recycle-reuse-reduce" mantra yanu. Zinthu zambiri zomwe mumaziona kuti ndizofunikira zitha kuimitsidwa mpaka nthawi yomwe mulibe ngongole kwa aliyense.
Chepetsani Zikondwerero
Kwa zaka zambiri mwakondwerera tsiku lobadwa, mwamuna kapena mkazi wanu ndi ana, nthawi zina ngakhale kupyola momwe mungathere. Mwaitana anthu ndi kuwadyetsa ndi chisangalalo chachikulu.
Koma zinthu zasintha pang’ono, ndipo tsopano muli ndi ngongole. Siyani kukonzekera zikondwerero tsopano. Mungathe kuchita zimenezo pambuyo pake pamene mulibe ngongole.
Nthawi zambiri timakhala ndi nkhawa chifukwa cholephera kugawana chimwemwe chathu ndi ena. Ngati ndi tsiku lobadwa la mwana wanu, mukufuna kuti ana ena 10 ndi mabanja awo abwere kudzasangalala.
Koma taganizirani izi - chikondwerero chilichonse chimakhala chowonjezera pamtengo. Ngati mungathe kusunga ndalama pokondwerera modzichepetsa, mukhoza kubweza ngongole yanu mofulumira, ndikuyamba kukonzekera chikondwerero chachikulu chaka chamawa kapena chaka chamawa!
Choncho chepetsani zikondwerero zimene zimachitika mobwerezabwereza kapena muzigwiritsa ntchito m’njira zosavuta. Yang'anani pakubweza ngongole kuposa ulemu ndiwonetsero.
Kuchedwetsa Mapulani Atchuthi
Ineyo pandekha, ndimaona tchuthi kukhala ngati mafuta onunkhira apamwamba. Mukagula zonunkhiritsa zamtengo wapatali, mumazipaka, mumamva fungo labwino, ndipo mumamva bwino. Koma amasanduka nthunzi pambuyo pa maola angapo.
Tchuthi ndi choncho. Tchuthi ndi zabwino kutsitsimula. Komabe ndiuzeni, kodi mungathedi kutsitsimuka ndi katundu wandalama pa inu?
Tchuthi chimakhala chothawirako ndiye, ndipo kuthawa sikunakhalepo njira yothetsera vuto lililonse, kuphatikizapo mavuto azachuma.
Choncho, lekani kupita ku Goa, Manali, kapena kugombe lapafupi la makilomita zana limodzi. M'malo mwake, gwiritsani ntchito ndalama zanu zatchuthi kuti mulipire ngongole, ndikukhala ndi mtendere wamumtima kuposa momwe mafunde akunyanja akanakupatsirani.
Pezani Side Hustle
Iyi ndi imodzi mwa njira zopusa komanso zamphamvu zogonjetsera ngongole mwachangu, komanso osakhudza moyo wanu wapano.
Monga momwe mungalemere popeza ndalama osati kungopulumutsa, mutha kukhala opanda ngongole mwachangu pochita nawo masewera am'mbali omwe
- amalipira inu
- amawonjezera chidziwitso chanu
- zimakupangitsani kukhala otanganidwa komanso opanda nkhawa
- imakhutitsa chilakolako chanu cha ntchito yolenga
Ngakhale mutapeza ntchito yaganyu, mutha kupanga ndalama masauzande angapo pamwezi pogwira ntchito Loweruka ndi Lamlungu komanso nthawi yanu yopuma mukaweruka.
Kuchita masewera olimbitsa thupi kapena ntchito yanthawi yochepa kungakhale kothandiza kwambiri pakubweza ngongole. Iyi yakhala njira yayikulu yomwe ndingathe kulipira ngongole yanga mwachangu popanda kusokoneza moyo wanga wapano.
Ndipo ngati ndingathe, inunso mungathe. Onani ma gigs awa osangalatsa omwe mungatenge. Tasankha ntchito 7 zomwe zimagwira ntchito kwambiri zomwe mungagwire mukamagwira ntchito. Iwerengereni kuti mudziwe maluso omwe ali oyenera kwa inu, ndi komwe mungaphunzire ndikuyamba kupeza.
Osadandaula - Ngongole Yanunso idutsa!
Moyenera, uwu uyenera kukhala upangiri woyamba wovomerezeka kuchokera kwa ine, koma ndimafuna kuti ndiyambirenso mawu omveka bwino.
Pali mwambi wodziwika bwino wa ku Italy womwe ndimakonda kwambiri; akuti, “ "Galimoto yodzaza magaloni salipira ngongole imodzi."
Nthawi zambiri timakhala ndi nkhawa ngati ufulu wakubadwa. Timapeza zinthu zodetsa nkhawa ngati palibe. Ndipo ngati tili ndi ngongole yodetsa nkhawa, zimativuta kukhala oda nkhawa kwambiri.
Koma chomwe tiyenera kukhala nacho ndi kukhala wankhondo wolimbana ndi nkhawa, makamaka za ngongole. Ngati tiika maganizo athu pa kuvutika maganizo ndi kulingalira za kumene ndalama zonse zidzachokera, tidzaphonya mipata imene moyo umatipatsa monga njira zothetsera mavuto athu.
Khalani oleza mtima, ndipo yang'anani ndalama zowonjezera ndikusunga zina kuchokera kumalipiro anu. Kusasinthasintha pakulipira mwezi uliwonse ndiye mfungulo yolipira bwino ngongole. Njira yabwino ndiyo kupewa ngongole.
Start kupatula, yambani kupulumutsa kuyambira ali aang'ono, ndipo khalani otetezeka ku misala ya ogula; sudzakhalanso ndi ngongole!
Munabweza bwanji ngongole yanu? Tiuzeni.
Siyani Mumakonda