Kodi mukupeza bonasi chaka chino?
Ngati ndi choncho, zikomo!
Tsopano muli ndi mwayi wogula zomwe zingakuthandizeni kwambiri pazachuma chanu. Ngati mukuganiza kuti ndi ndalama ziti zomwe mungapange, nazi zina mwazinthu zabwino kwambiri zomwe mungasungire bonasi yanu.
Chifukwa Chiyani Muyenera Kuyika Bonasi Yanu?
Pali zinthu zambiri zomwe mungachite ndi bonasi. Ngakhale mutasankha kuzigwiritsa ntchito pazinthu zabwino nokha, ganizirani kuyika ndalamazo m'malo mwake. Ndizosavuta kuwona chifukwa chomwe mungayesedwe kugwiritsa ntchito bonasi yanu.
Kupatula apo, ndi ndalama zambiri zomwe mwina simungaziwone posachedwa.
Kuyika ndalama ndikofunikira, ndalama zomwe mumayika pano zitha kukuthandizani kwambiri ndalama zanu zikadzakula kapena kuchuluka kwamtengo.
Mutagulitsa ndalamazo, zidzakhala zamtengo wapatali ndipo zingathandizenso kuchepetsa kapena kuthetsa ngongole.
N'chifukwa Chiyani Muyenera Kuyika Zinthu Pazinthu?
Mutha kupezabe ndalama zambiri ngati mutagulitsa zinthu zoyenera. Ndi njira yanzeru yopezera tsogolo lanu ndi chinthu chomwe chili ndi mbiri yowonjezereka.
Kuika ndalama mwanzeru m’zinthu zoyenera kungakuthandizeni kuwongolera mkhalidwe wanu wachuma mosasamala kanthu kuti muli ndi zaka zingati kapena kumene muli ndi ndalama. Mukamaganizira za momwe mungasungire bonasi yanu, ndikofunikiranso kuganizira kuti ndi makalasi ati omwe angakhale opindulitsa kwambiri kwa inu.
Katundu Kuti Muyike Bonasi Yanu Ku India
Pali njira zambiri zomwe mungasungire bonasi yanu.
Ingokumbukirani, mukakhala osiyana kwambiri, mtengo wa ndalama zanu umakwera. Nazi zina mwazinthu zabwino kwambiri zomwe mungasungire ku India:
Ndalama Zadzidzidzi
Ndalama zadzidzidzi ndi njira yabwino yothandizira ndalama zanu kukula kwambiri. Ndikofunika kudziwa kuti ndalama zadzidzidzi siziyenera kuyikidwa m'gulu lililonse lazachuma.
M'malo mwake, ndalama zanu ziyenera kutengera mtundu wadzidzidzi womwe mungakhale nawo. Mutha kukhala ndi thumba lazachipatala, mwachitsanzo.
Yerekezerani kuti ndi ndalama zingati zomwe mungafune zadzidzidzi
Kulipira Ngongole
Kupatula kuyika ndalama m'ndalama zadzidzidzi, ndikofunikiranso kuti muchotse ngongole ndikubweza ngongoleyo mwachangu.
Ngati mumapeza ndalama kuchokera kumabizinesi ndikulipira ngongole zonse nthawi imodzi, mutha sungani ndalama m'kupita kwa nthawi popanda kuonjezera ndalama zomwe mumawononga pamwezi.
Phunzirani momwe mungalipire ngongole zanu mwachangu.
Chiwonetsero cha Equity
Kwa anthu pawokha, kuwonetseredwa mwachilungamo ndi njira yabwino chifukwa amatha kutenga zoopsa ngati akumva bwino. M’malo motsatira unyinji wa anthu, mukhoza kupanga ndalama zazikulu zimene zingakuthandizeni kukulitsa chuma chanu ndi kupanga ndalama zikadali zazing’ono.
Mwachitsanzo, ngati mukufuna kuwerengetsa m'matangadza, m'pofunika kuganizira za msika wonse. Ogulitsa ambiri amalumphira pamsika popanda kuchita chilichonse kafukufuku komanso kutengera chibadwa chawo komanso momwe amamvera m'matumbo.
Ana Anu
Ngati muli ndi mwana yemwe ali ndi zaka zokwanira kuti ayambe kuyika ndalama, ndikofunikira kuganizira zoyika bonasi yanu pazinthu zomwe zingawathandize kuchita bwino.
Mutha kusankha kuyikamo bonasi nyumba ndi zomangidwa kwa ana anu m'tsogolomu - motere, akhoza kumanga chuma chawo ndikuonetsetsa kuti ndalama zawo zikuyenda bwino pamoyo wawo wonse.
Inshuwaransi ndi lingaliro labwino kwambiri chifukwa lingakuthandizeni kukutetezani inu ndi banja lanu kuzinthu zosayembekezereka. Ndikofunikiranso kuwonetsetsa kuti mwana wanu ali ndi inshuwaransi yamtundu wina ngati atathyola skiing.
National Pension System
(NPS) ndi njira ina yabwino. Iyi ndi ndondomeko ya penshoni yomwe imapereka phindu la msonkho ndi maubwino ena. Mutha kusankha kuyika bonasi yanu mu NPS kapena mapulani ena ofanana omwe amapereka phindu lofanana.
NPS yakhala ikukula kutchuka, ndipo pali zifukwa zingapo za izi. Zingakuthandizeni kuonjezera ndalama zomwe mumasungira mukapuma pantchito komanso kuti zikhale zosavuta kuti musiyire ana anu cholowa.
Chifukwa chiyani NPS ndi lingaliro labwino kwambiri lazachuma
Pangani Corpus Yogula Nyumba
Akatswiri ambiri azachuma amalangiza achinyamata kuti atenge mabonasi awo ndikupanga corpus ndi cholinga chogula nyumba. Ili ndi lingaliro labwino kwambiri chifukwa lingakuthandizeni kusintha moyo wanu m'njira zambiri.
Ngati simukufuna kugula nyumba, mutha kuyika bonasi pazinthu zina zomwe zingapangitse moyo wanu kukhala wosavuta.
Zitengera Zapadera
Mukamaganizira za momwe mungasungire bonasi yanu, ndikofunikira kukumbukira kuti muyenera kuyika ndalama pazinthu zomwe zingakuthandizeni kukulitsa ndalama zanu pakapita nthawi.
Ngakhale bonasi yanu ili yaying'ono, imatha kupanga kusiyana kwakukulu ngati muyiyika m'njira yoyenera. Nazi mfundo zazikuluzikulu zanga kuchokera m'nkhaniyi:
- Kuyika ndalama ndi luso lomwe lingakhalepo kwa anthu kuti akonzekere tsogolo lawo lazachuma
- Pali njira zambiri zopangira ndalama ku India ndipo zambiri ndizothandiza kwa achinyamata.
- Ndikofunika kuganizira momwe zinthu zilili pa moyo wanu ndi mtundu wa ndalama zomwe muli nazo kuti muyikepo.
Siyani Mumakonda