Ngati muyang'anitsitsa khalidwe lazachuma la anthu ozungulira inu, mudzazindikira kuti anthu nthawi zambiri amagwera m'magulu awiri akuluakulu: The Frugal ndi Spendthrift.
Inde, mudzapeza oyenerera. Anthu omwe amasunga ndi kuwononga, ndi ochuluka komanso owolowa manja nthawi imodzi. Timayang'ana anthu oterowo ndi mantha ndipo timadabwa momwe amachitira bwino.
Ndiye kodi anthuwa amawononga bwanji ndikusunga ndalama koma osawoneka otsika mtengo?
Mantra ndi kupanga kulinganiza koyenera. Ndi mmene timasamalirira kusunga ndalama ndi ndalama zimene zimatipangitsa kukhala ochuluka kwenikweni.
Kusunga ndi Kuwononga Kapena Kusunga vs Kuwononga?
Tiyeni tilowe mu malingaliro a ndalama zowononga ndalama. Zinthu zoyamba zomwe zimadutsa m'maganizo mwawo akalandira malipiro awo ali -
- Zomwe mungagwiritse ntchito
– Chotsatira kugula
– Zosowa zanga tsopano
Mosasamala kanthu, mulimonse, pofuna kusunga kandalama kaamba ka m’tsogolo, owononga ndalama amakhala osangalala. Koma ndiye kuti mpaka malipirowo atha, omwe ndi pafupifupi masiku 10 kuchokera tsiku lomwe amalandila.
Mwezi wotsalawo, anthuwa amakhala ngati osauka pandalama zazing'ono zomwe amalandila kuchokera kwa achibale ndi anzawo. Mawu oti 'kupulumutsa' mwina ndi dongosolo lamtsogolo kapena lingaliro lonyansa kwa iwo.
Gulu lotsatira - frugals, ndi dziko losiyana. Anthu amenewa nthawi zonse amakhala akuyang'ana malonda, malonda otsika mtengo omwe angawapulumutse.
Amathamangira chilichonse ndikuyika moyo wawo pachiwopsezo cha nthawi yamtsogolo. Mwachibadwa, nthaŵi imeneyo siifika konse, popeza kuti kulemera kuli mkhalidwe wamaganizo kuposa chenicheni chakuthupi.
The frugals ndi osauka mu malingaliro, ngakhale ali ndi 6 chiwerengero malipiro. Malingaliro a munthu wosasamala amazungulira -
-Ndalama
- Ndalama zomwe zawonongeka pakali pano
- Ndalama zopezera moyo wamtsogolo
Momwe Mungasungire Ndalama Popanda Kutsika mtengo
Palibe gulu lomwe liri lopambana kapena lotsika kuposa linzake. Anthu omwe amawononga ndalama nthawi zambiri amayang'ana pansi omwe amawononga ndalama, koma ndalama zawo zikachepa, amadza kwa omwe amawononga ngongole yakumapeto kwa mwezi.
Ndikufuna kuyika chodzikanira pano kuti zonena zanga zonse ndizo - generalizations. Palibe chomwe chimayang'ana gulu lililonse la anthu.
Chonde tengani zonena zanga ndi mchere pang'ono, ndipo mundidziwitse ngati mukuvomereza kapena kutsutsa, popanda kukhala wosuliza kapena wotsutsa.
Ineyo pandekha ndakhala ndikudutsa monyanyira mwa kuwononga ndalama komanso kuwononga ndalama. Ndimakumbukira makamaka miyezi yanga isanakwane Durga Puja momwe ndimasungira ngati wosauka kuti ndikhale ndi manja otseguka pa Puja ndi Diwali, zomwe ndidachita.
Pambuyo pa Diwali, sindikadakhala ndi chilichonse choti ndizitha kudzisamalira mpaka malipiro ena afika.
Koma ndakula kuyambira ndili ndi zaka za m'ma 20 ndipo ndaphunzira kupyolera muzochitikira momwe ndingadutse m'madzi amatope ogula zinthu ndikusiyanitsa pakati pa zofuna ndi zosowa.
Ndakhalanso wanzeru popanga ndalama komanso njira zopezera ndalama.
Kutengera zomwe ndakumana nazo, ndikuyesa ndi zolakwika, ndalemba Njira 10 zopusa zosungira ndalama popanda kutsika mtengo. Werengani, ndikuwona kuchuluka kwa izi zomwe mungayambe kugwiritsa ntchito nthawi yomweyo.
1. Khazikitsani bajeti, tsatirani zimenezo
Anatero wabizinesi David Ramsey - "Bajeti ikuwuza ndalama zanu komwe mupite m'malo mongodzifunsa komwe zidapita"
Mawu awa adasintha momwe ndimaonera bajeti. Ndinkaganiza kuti bajeti inali yanyumba yamalamulo ndi maboma. Ndi zolakwika bwanji!
Aliyense amene amapeza ndalama zokwanira masauzande angapo ayenera kuyamba ndi bajeti. Kupanga bajeti sikumangopereka ndalama kumadera osiyanasiyana ofunikira, kumathandiziranso ndalama zanu.
Pafupifupi aliyense ali ndi foni yamakono tsopano. Pali mapulogalamu ambiri owongolera ndi kukonza bajeti omwe amabwera ndi mawonekedwe osavuta kugwiritsa ntchito, komanso zikumbutso zapanthawi yake.
Mapulogalamuwa ndi apamwamba kwambiri, amakukumbutsaninso za ndandanda yanu yolipirira mabilu, masiku omwe mumalipiritsa ndi zina zotero.
Ngati zikuthandizani, mutha kukhazikitsa bajeti yanu yonse miyezi 6 kapena chaka pasadakhale. Nthawi zonse khalani odekha pang'ono kuzungulira miyezi yokondwerera kuti musangalale ndi zikondwererozo mokwanira.
Kupanga bajeti kumakuthandizani kukhazikitsa zolinga zanu zachuma. Popanda kukhazikitsa zolinga, kukwaniritsa mgwirizano muzachuma chanu kungakhale kovuta.
Ngati mukufuna thandizo posankha woyang'anira bajeti, mutha kuyang'ana ndemanga yathu yabwino kwambiri yotsatirira bajeti ndi ndalama pano - 8 APPS ABWINO OTHANDIZA KUTSATIRA NTCHITO ZA MWEZI KU INDIA
2. Khalani ndi Akaunti ya RD
Ife Amwenye timakonda kusunga ndalama. Malinga ndi kafukufuku wochokera ku World Bank, pafupifupi 80% ya amwenye ali ndi maakaunti aku banki. Njira yotisungira ndalama ndi chiwongola dzanja cha banki.
Komabe, potengera mitengo yomwe ilipo ya chiwongola dzanja cha akaunti yosungira (yanga imapereka 2.7%), chidwi chathu chimasinthira ku Ma Recurring Deposits (RD) ndi Fixed Deposits (FD).
Onse a RD ndi FD ali ndi chiwongola dzanja chokwera pamabizinesi akanthawi kochepa. M'malo mwake, ma RD ndi ma FD ambiri ndi opindulitsa kwambiri pakuyika ndalama kwakanthawi tsopano.
Mutha kupeza 6% - 8% pa RD kapena FD.
Mabanki tsopano amathandizira kuchotsera mwachindunji ma RDs kuchokera ku akaunti yanu yosungira, zomwe zimapangitsa kuti zikhale zosavuta kusunga. Simufunikanso kupita kubanki mwezi uliwonse kukayika ndalama za akaunti ya RD.
Mutha kuyambitsanso RD kuchokera kutsika mpaka Rs. 500 pamwezi, kwa nthawi ya chaka kapena miyezi 15. Ndiye chikukulepheretsani nchiyani kuti mudzipezere RD tsopano?
3. Ikani ndalama mu ETFs
Ngati chiwopsezo chanu chili chabwino, mutha kupitilira kupulumutsa, ndikuyamba kuyika ndalama. Kwa oyamba kumene, mutha kuyika ndalama mu ETFs (Exchange Traded Funds). Ngati chiwopsezo chanu chili chokwera pang'ono, Masheya atha kukhala gawo la njira yanu yoyendetsera ndalama.
ETFs ndi zida zabwino kwambiri zopangira ndalama kwa nthawi yayitali. Warren Buffet, m'modzi mwa osunga ndalama ochita bwino kwambiri padziko lonse lapansi, amawona ma ETF ngati chida chodalirika kwambiri chosungira ndalama za kupuma pantchito.
Kutsimikizira zamtsogolo ndichinthu chomwe chakhazikika m'maganizo mwathu kuyambira pomwe timapeza ndalama. Nthawi zambiri timamva akulu athu akunena kuti "sungani zam'tsogolo". Ngakhale Gen Z ndi zaka chikwi samvera upangiri wotero, pali nzeru zambiri pakumvera.
Ngati ntchito yanu sipereka dongosolo la penshoni, muyenera, mochulukirapo, kuyamba kuyika ndalama mu ETFs kapena ETF Bonds. Ndi nthano kuti ndalama ndi anthu azaka zapakati. Mwamsanga mutayamba kuyikapo ndalama, m'pamenenso mudzakhala ndi nkhawa zaka zanu zapamwamba.
Kuphatikiza apo, mukayamba kuyika ndalama mukadali wamng'ono, mumadziwa bwino zandalama ndipo mutha kupanga mbiri yabwino yazachuma yomwe ingakuthandizeni kupeza bwino pama kirediti kadi ndi ngongole ngati mungafune.
Ngati mukufuna kudziwa zabwino za ETFs, komanso momwe zimakhalira bwino kuposa masheya ndi ma debentures, werengani positi yathu ETFs apa .
4. Gulani kudzera pa Kirediti Kadi
Tonse timagula mwezi wonse, kaya ndi golosale kapena zinthu zofunika kunyumba, kapena zinthu zolembera kapena zovala. Tonse timalipira mabilu athu ndi ngongole zanyumba.
Tsopano ganizirani nthawi iliyonse yomwe mumalipira, mumabweza chinachake kuchokera ku ndalama zomwe munalipira. Zitha kukhala mu mawonekedwe a mphotho zomwe mutha kuziwombola pambuyo pake za mphatso zina, kapena zitha kukhala ngati zobweza ndalama.
Kupeza ndalama polipira mabilu ndi kugula golosale ndi zinthu zina zofunika kuli ngati kulandira mphatso yobwerera tsiku lobadwa. Kutengera ndi malipiro anu apachaka, komanso momwe mumagulira, mutha kufunsira kirediti kadi yogwirizana ndi zosowa zanu.
Tilinso ndi gawo la makhadi momwe takambirana za makhadi abwino kwambiri opezeka pamsika. Werengani wathu ndemanga za kirediti kadi kuti muwone khadi yomwe ikugwirizana bwino ndi momwe mumawonongera.
5. Gulani Zochuluka ngati nkotheka
Tonse timakhala ndi zinthu zomwe timafunikira nthawi ndi nthawi. Kugula zinthu zambiri zoterezi kungatipulumutse mosavuta.
Zinthu zomwe ndimagula mochulukira nthawi zonse ndi zapa golosale. Ndimayang'ana malonda omwe amapereka kugula 1 kupeza 1 kutsatsa, kapena kukhala ndi mtengo wotsika kwambiri mukagulidwa zambiri.
Ngakhale zofunika zatsiku ndi tsiku monga mbewu ndi phala zikagulidwa zambiri zimapereka mitengo yotsika. Ingotsimikizirani kuti muli ndi malo abwino osungira kuti muwasunge kwa nthawi yayitali.
Palinso mitundu yatsopano yomwe ili ndi zoyambira zochititsa chidwi zoyesera zinthu zawo. Onetsetsani kuti mukugwiritsa ntchito kirediti kadi yanu pogula zambiri kuti mupambanenso pamalipiro.
6. Gulani panthawi Yogulitsa Zogulitsa
Pali zochitika zina zopatsa mphatso ndi zikondwerero chaka chonse zomwe timayembekezera nthawi zonse. Zikondwerero zimatanthauza kupatsana mphatso. Kwa ena aife, kumangopereka kuposa kulandira pa zikondwerero.
Mtundu uliwonse umapereka malonda osachepera kawiri pachaka. Kugulitsa ndi nthawi yabwino kwambiri yogulira zinthu zambiri nthawi zonse zomwe mungafunikire kupereka mphatso kwa azibale anu ndi abwenzi ndi adzukulu anu ndi adzukulu anu.
Ngati mulibe ngongole zotere, mutha kuyembekezerabe kudzigulira nokha pakugulitsa. Mutha kupulumutsa mazana angapo mpaka masauzande a rupees kuchokera ku mtundu womwe mumakonda, osasokoneza mtundu.
Masamba akulu a eCommerce ngati Flipkart, Myntra ndi Amazon kuti azigulitsa kangapo pachaka, ndipo pali zotsatsa zabwino kwambiri zomwe zimapezeka pakugulitsa kotere.
Pogula zambiri, mutha kusunga ndalama zosachepera masauzande angapo poyerekeza ngati munagula zomwezo osagulitsa kuchokera m'masitolo apaintaneti.
7. Ikani patsogolo
Monga munthu yemwe anali wokonda kugulitsa zinthu, upangiri wabwino kwambiri wopulumutsa womwe ndingakupatseni ndikuyika patsogolo zosowa zanu.
Nthawi zambiri, timayang'ana zomwe tikufuna m'malo mwa zomwe tikufuna. Timayika chisangalalo chathu pazofuna zathu, ndipo ichi ndi chiyambi cha kukhetsa kosalephereka kwa ndalama zomwe tapeza movutikira.
Zakachikwizi zimakhudzidwa kwambiri ndi malonda. Ndawonapo anthu amathera theka la malipiro awo pa zovala zatsopano ndi tsitsi ndi mafuta onunkhira kwa masekondi a 15 a kanema pamtundu wina wa chikhalidwe! Ndizowona kuti chovalacho chikhalabe komweko pambuyo poti malo anu ochezera a pa Intaneti atha, koma kodi mumafunikiradi poyamba?
Pezani zenizeni zenizeni. Chotsani pulogalamu yanu yopangira bajeti, ndi kulemba zinthu zonse zomwe mukufuna kugula, ndikuyika mtengo pambali pa izo.
Tsopano agawireni zomwe mukufuna komanso zomwe mukufuna. Gulu lazosowa lingakhale ndi zinthu zomwe mukufunikira kuti muthe mwezi uno. Mndandanda wazomwe mukufuna ungakhale ndi zinthu zomwe mukufuna kugula tsiku lina koma mutha kukhala ndi moyo popanda kukhala nazo pakali pano.
Kenako, phatikizani ndalama zazinthu zonse zomwe mukufuna. Tsopano phatikizani zinthu zonse zomwe zili mumndandandawo. Ndi zimenezotu! Munangodzipulumutsa nokha ndalama zosachepera masauzande angapo. Tsopano mutha kugwiritsa ntchito ndalamazo pazinthu zofunika kapena sungani kuti mudzagwiritse ntchito mtsogolo.
8. Pezani gigi yam'mbali yomwe imalipira
Ndi chodziwikiratu kuti olemera salemera posunga ndalama, koma kumawonjezera zomwe amapeza.
Tsopano muli ndi intaneti m'manja mwanu. Muli ndi chipangizo chomwe chingakuphunzitseni luso lodabwitsa. Pali mazana a masamba aulere omwe amakuphunzitsani zolemba, kusoka, kupanga, kutsatsa kwa digito ndi zina zotero. Mutha kupanga njira ya YouTube ndikuyika zomwe zili patsamba lanu kuti dziko liziwone.
Njira zotsatirira zokonda zanu ndikupindula nazo sizinakhalepo zambiri.
Mutha kugwira ntchito maola 9 ndi masiku 6 pa sabata, ndikuphunzirabe paulendo wanu, Loweruka ndi Lamlungu.
Ingosinthani nthawi yanu yogwiritsira ntchito media kuti muphunzire china chatsopano. Pakatha chaka, mudzakhala ndi luso latsopano lomwe lingayambe kwa inu gwero latsopano la ndalama.
Lowani mukuphunzira ndi kupindula nazo. Mudzapeza kuti ndalama zanu zili bwino.
9. Moyo Wathanzi
Mungadabwe ndi momwe moyo wathanzi ungakuthandizireni kusunga ndalama popanda kuwoneka otchipa. Ganizirani zochitika zotsatirazi ndikudziweruza nokha.
Muli ndi umembala wa masewera olimbitsa thupi kuti mukhale olimba, koma simunafike ku masewera olimbitsa thupi.
Moyo wanu wongokhala komanso madyerero akusintha thanzi lanu, ndipo nthawi zambiri mumamwa mapiritsi ochepetsa mutu kapena ochepetsa nkhawa. Koma mulibe nthawi yoyendera masewera olimbitsa thupi ngakhale mumalipira umembala mwezi uliwonse.
Mukuyandikira zaka 40, ndipo mumakumana kale ndi mapewa oundana, spondylitis, kung'ambika kwa ligament. Kuyeza maso anu pachaka kumakuwonongerani bomba. Mumapita kumagulu a physiotherapy kwa spondylitis yanu, ndipo mtengo wake umadulanso mano ake akuthwa mu bajeti yanu ya mwezi uliwonse.
Ngati muwona, zochitika zonse zomwe zili pamwambazi zimaphatikizapo kulipira madokotala, mankhwala, kuyezetsa magazi komanso mwina ndalama zambiri za inshuwaransi ya moyo wanu.
Mutha kuchepetsa ndalama zomwe zili pamwambapa pongochita masewera olimbitsa thupi aulere tsiku lililonse kapena tsiku lina lililonse. Zing'ono zimapita motalika ngati mukugwirizana nazo.
Mukhoza kuyesa yoga kapena kutambasula kapena kuthamanga kapena kusambira. Mukhoza kuyeseza kusinkhasinkha. Masitepe ang'onoang'ono onsewa amatha kupulumutsa mazana ndi masauzande a rupees omwe angapite kuchipatala.
10. Osadyetsedwa ndi malingaliro a Kupulumutsa
Frugality ingakhalenso chizolowezi. Kaŵirikaŵiri, tikayamba kusunga ndalama, timachita zimenezi mosasamala kanthu za zofunika zathu zofunika.
Kufinyira ndalama iliyonse pamalonda, kukambirana kwanthawi yayitali, kuyembekezera kuti mtengo wogulitsa utsike kwambiri - zonsezi ndizizindikiro zowopsa kuti malingaliro anu ayamba kuthedwa nzeru.
Dzipezereni chowerengera ndikuwona ngati mwayamba kusunga osachepera 25-30% ya ndalama zanu. Ngakhale kuyambira pang'ono ngati 10% angachite.
Ngati muli, ndiye kuti palibe chodetsa nkhawa. Ganizirani malingaliro ochuluka ndi momwe mungaphunzirire luso latsopano kuti ndalama zanu ndi ndalama zanu zikwere.
Pomaliza, ngati tisiya kuda nkhawa ndi mmene timawonongera ndalama zimaonekera kwa ena, moyo wathu udzakhala wosalira zambiri. Monga mwambi wodziwika bwino umati “Kuvala zovala zotchipa ndikuyendetsa galimoto yakale sikumakupatsirani vuto, kumbukirani kuti muli ndi banja loti mudyetse, osati dera loti musangalatse.
Mukufuna kuwonjezera pamndandanda wa njira zosungira ndalama popanda kutsika mtengo? Tiuzeni njira zanu zotsimikizirika zopezera ndalama zowonongera ndalama.
Siyani Mumakonda