Kodi posachedwapa mwaganiza zogwiritsa ntchito malipiro anu m'njira yabwino kwambiri kuti mutha kuwononga, kusunga ndi kuchotsa ngongole nthawi isanakwane?
Werengani bwino, tafotokozani m'nkhaniyi yomwe ikunena za zinthu 11 zofunika kuchita mukalandira malipiro anu.
Ngati muli ngati munthu wanga wakale, malipiro anu ndi osowa, olota omwe amabwera pambuyo podikirira kwa nthawi yayitali, ndikuzimiririka mwachangu, nthawi zambiri amatisiya osadziwa komwe zidapita.
Mofanana ndi anthu ambiri olipidwa, ndinali ndi luso losasamalira bwino ndalama.
Zotsatira zake, ndimabwereka ndalama zazing'ono kuchokera kwa achibale mpaka kumapeto kwa mwezi kuti ndipeze zofunikira.
monga kupita ku ofesi ndi tiffin.
Kuzungulira uku kudapitilira mpaka ndidasinkhasinkha mozama, kuyang'ana momwe ndimawonongera ndalama, ndidafufuza pa intaneti, ndipo ndidapeza izi.
Njira 11 zopusa zothanirana ndi malipiro monga momwe ndimawonongera, kusunga, komanso kuyikapo ndalama - zomwe ndinali ndisanachitepo.
Chochititsa chidwi n'chakuti malipiro amachokera ku liwu lachilatini 'sal' kutanthauza 'mchere'.
Mchere unali wamtengo wapatali ngati golide m’nthaŵi zakale, makamaka chifukwa cha kuvutika kwake pougula. Choncho anthu ankalipidwa ndi mchere m’malo mwa khama lawo.
Tiyeni tisiye etymology ndikulowera muzinthu 11 zofunika kuchita ndi malipiro anu.
Lipirani Anu Utility Misonkho
Gulu loyamba la ndalama zomwe muyenera kuthana nazo ndi ndalama zothandizira. Ndalama zothandizira zimaphatikizapo renti, magetsi, ndalama zamadzi ndi gasi. Zina zowonjezera zimaphatikizapo mabilu a foni, intaneti ndi mabilu a chingwe.
Kulephera kulipira mabilu ogwiritsira ntchito kungatanthauze chindapusa mochedwa komanso kusokoneza ntchito. Mutha kudzipangira zikumbutso kuti muthe kulipira munthawi yake.
Onjezani pamndandanda womwe uli pamwambapa chindapusa chanu chokonzera nyumba ndi zolipiritsa kwa anthu ogwira ntchito - dalaivala, wophika ndi wothandizira kunyumba. Awa ndi anthu omwe ayenera kulipidwa m'masiku 7 oyambirira a mwezi uliwonse, makamaka m'masiku atatu oyambirira a mweziwo.
Lipirani Ngongole Yanu ndi Ngongole
Chofunikanso chimodzimodzi monga kulipira ngongole ndikulipira ngongole yanu yanyumba ndi ngongole. Ngongole ziyenera kuphatikizapo ngongole iliyonse yomwe ilibe chiwongola dzanja. Mwachitsanzo, ngongole zotengedwa kwa achibale.
Mbiri yanu yobwereketsa ngongole ndi kubweza zimakukhudzani ngongole, ndipo chifukwa chake kubweza kapena kubweza chiwongoladzanja kuyenera kuonedwa mozama.
Ngongole yabwino imakuyeneretsani kubweza ngongole zazikulu, ngati mungafune. Kuyenerera kwa makhadi ambiri a ngongole zimatengeranso ngongole yanu.
Lipirani Kirediti Card yanu zomwe zatsala
Imodzi mwa misampha yoyipa kwambiri ya ngongole yomwe millennials imagwera ndikusalipira malipiro a kirediti kadi panthawi yake.
Ma Kirediti kadi amapeza chiwongola dzanja pa chiwongola dzanja, ndipo muyenera kuwonetsetsa kuti mukulipira ndalama zonse zomwe zatsala mkati mwa masiku 50 opanda ngongole.
Anthu ambiri amaganiza kuti kulipira ndalama zochepa zomwe ziyenera kulipidwa ndizokwanira. Komabe, ndalama zochepa zomwe zimayenera kulipidwa nthawi zambiri zimakhala 5% yokha ya ndalama zomwe zatsalazo ndipo amalipidwa kuti zitsimikizire kuti khadi likuyenda bwino komanso kupeŵa chindapusa mochedwa.
Mumapezabe chiwongola dzanja pa ndalama zomwe mwatsalazo, ndipo musanadziwe, mudzakhala ndi chiwongola dzanja chochuluka chomwe simunalipidwe + kuti mulipire.
Pamapeto pake, ogwira ntchito ku dipatimenti ya kirediti kadi amayamba kukuvutitsani ndikukuyimbirani foni komanso kukuchezerani kuti akulipireni ndalamazo. Simukufuna kuti zimenezo zichitike.
Kirediti kadi ndi chida chodabwitsa chomwe chimathandiza kusunga ndalama.
Koma musanaipeze, muyenera kufufuza kuti ndi khadi liti limene lingagwirizane ndi mmene mumawonongera ndalama. Takugwirirani ntchito yolimba m'gawo lathu lamakhadi. Onani ndemanga zathu zambiri zamakadi, ndikuwona kuti ndi ati omwe angakupulumutseni ndalama zambiri.
Zogula ndi Zogula Zina
Malinga ndi ziwerengero zofalitsidwa ndi ValueChampion, Amwenye adawononga 27.9% ya ndalama zomwe amapeza pazakudya mu 2017-18. Izi ndizokwera kuposa kuchuluka kwapakati pa 8-10%.
Pokhala dziko lomwe limadalira kwambiri chakudya chophikidwa kunyumba, sikungakhale kotheka kuchepetsa kwambiri kuwononga zinthu pogula golosale. Moyenera, ngati titha kusunga ndalama zogulira zinthu mkati mwa 20-22% ya ndalama zomwe timapeza, zithandizira kusunga ndalama.
Izi zati, munthu sayenera kunyalanyaza zakudya zathanzi komanso zathanzi.
Ndinganene mwamphamvu motsutsana ndi kugonja kulikonse pazachuma m'gulu la golosale. Tonse tamvetsetsa kufunika kwa kudya bwino masiku ano. Amwenye amachira kwambiri chifukwa cha kadyedwe kawo.
Lamulo la 50-30-20
Malinga ndi lamulo la 50-30-20 la bajeti lodziwika ndi Elizabeth Warren m'buku lake Zofunika Zanu Zonse: Mapulani a Ultimate Lifetime Money, 50% ya ndalama zanu zikuyenera kupita kumagulu atatu omwe ali pamwambapa. Magulu omwe ali pamwambawa ali ndi zosowa zenizeni komanso amathandizira kuti anthu apulumuke.
Ndikoyenera kuchita masamu mwachangu mutatha kuwononga ndalama m'magulu atatu oyambirira kuti muwone ngati ndalama zonse zamagulu atatuwa ndi 3% kapena zochepa za ndalama zomwe mumapeza.
Ngati ndalama zomwe mumawononga m'maguluwa zidutsa 55% ya ndalama zomwe mumapeza, ndi nthawi yoti muyang'anenso ndikuwona njira zobweretsera 50% ya ndalama zomwe mumapeza.
Ndalama kwa Makolo, Abale, kapena Ana
Chowonadi ndi chakuti, ambiri aife timapezera ena.
Enawo angakhale achibale athu kapena anzathu.
Ndikutanthauza, mumacheza ndi ndani kumapeto kwa sabata? Anzanga, sichoncho? Ngakhale mutasonkhanitsa ndalama kuti musonkhane, pamapeto pake mumawononga ndalamazo posangalala ndi anzanu.
Mwinamwake simukanachita theka la zinthu zomwe mumachita ndi anzanu mukanakhala nokha ndipo mulibe wogawana naye zosangalatsa.
Nthawi zonse tiziika patsogolo ndalama zomwe timapereka kwa ana athu kapena ndalama kwa makolo kuti azizigwiritsa ntchito pazosowa ndi zomwe akufuna.
Gulu la ndalama liyenera kukhala losasankha. Tikamapatula gawo la ndalama zathu kwa makolo athu kapena abale athu kapena ana athu, timakhala tikusamalira zosowa zawo ndi zofuna zawo popanda iwo kutifunsa nthawi zonse.
Khalani pambali pa zoyendera ndi chakudya masiku opita ku Office
Ngati mukuyenda pa metro kapena masitima apamtunda, onetsetsani kuti mwadzipezera nokha khadi yoyendera.
Lembaninso khadilo mwezi uliwonse. Ngati mutenga mayendedwe owonjezera ngati ma rickshaw, sungani ndalama zazing'ono zofunika paulendo wanu.
Ngati muli ndi chizoloŵezi chogula tiffin ya ofesi kuchokera kunja, sungani ndalama zomwe zimafunikanso.
Muyeneranso kukhala pambali kwa masiku oipa pamene mukuyenera kukwera kabati chifukwa cha mvula kapena chifukwa cha kusintha kwakukulu ku ofesi.
Kusunga ma Rs 1000 abwino omwe ali pakona ya chikwama nthawi zonse kumathandiza pakagwa mwadzidzidzi.
Tsatani ndalama pa tracker yandalama
Ngati simugwiritsabe ntchito wotsata ndalama, muyenera kutsitsa imodzi pompano, ndikuyamba kulemba ndalama zanu. Maspredishiti ndiabwino, koma moona mtima, kodi mumakhazikika pafupipafupi bwanji posintha tracker yanu yamasamba?
Talemba mndandanda wa mapulogalamu 8 abwino kwambiri otsata ndalama omwe amapezeka mu Google Play ndi iOS App Store. Imodzi mwamapulogalamuwa idzakwaniritsa zosowa zanu zotsata bwino.
Mapulogalamuwa amachokera ku opanda mkangano mpaka omwe amatsata ndalama zanu, ngongole ndi zina zambiri. Mapulogalamu ambiri ali ndi gawo la bajeti, nawonso.
Pali mwambi wina wotchuka "Zomwe mumayezera, zimakula". Izi ndi zoona makamaka pa zolinga zachuma. Ngati simungathe kuyeza komwe ndalama zanu zikupita, zolinga zanu zosungitsa ndalama komanso zosunga ndalama sizingachitike.
Mukangoyamba kutsata zomwe mumawononga, mutha kuzigawa bwino m'gulu lililonse.
Mutha kuwonanso za kuwononga ndalama mopanda nzeru (mwachitsanzo, kuwononga ndalama zambiri pa zosangalatsa za kumapeto kwa sabata) ndikupanga zolinga zenizeni zachuma.
Ikani mu PPF, Bond/Shares kapena Recurring Deposit
Kaya ndinu owopsa kapena mwanzeru ndi ndalama zanu, muyenera kuyamba kuyika ndalama zosachepera 15 - 20% ya ndalama zanu.
Zolinga zandalama zimasiyana - anthu ena amaika ndalama kuti apeze phindu lazachuma posachedwa, pomwe ena amasungirako ukalamba kapena ngozi zadzidzidzi kapena nthawi yoyipa. Kaya muli ndi zolinga zotani, kuyika ndalama ndikofunikira, ndipo mukangoyamba kuyika ndalama, zimakhala bwino.
Mukamapanga ndalama, muyenera kufufuza mosamala za
- kubweza ndalama adzapereka ndi mtundu wa kubwerera, mwachitsanzo. chiwongola dzanja chokha, chiwongola dzanja chachikulu + ndi zina zotero.
- nthawi yakukhwima, nthawi yolipira chiwongola dzanja, ndi zopindulitsa za kukulitsa komwe kungatheke kwa ndalamazo.
- chiopsezo chokhudzana.
- milandu yobisika, ngati ilipo.
Masheya ndi ma bond ndi misika yabwino yogulitsa ndalama ngati mungalole kuchita zoopsa ndi ndalama zanu. Palinso msika womwe ukubwera wa ndalama zogwirizanitsa ndi ETFs ngati ndinu owerengeredwa owopsa.
Ngati mabanki ndi chisankho chanu cha mabungwe azachuma odalirika, pitani ku PPF kapena kusungitsa mobwerezabwereza. PPF nthawi zambiri imakhala ndi tsiku lakukhwima la zaka 15 ndipo imagwirizana ndi mabizinesi anthawi yayitali.
Recurring Deposit (RD), momwe mumayenera kusungitsa ndalama zomwe mwasankha mwezi uliwonse, ndizoyenera kuyika ndalama kwakanthawi kochepa.
Onse a PPF ndi RD ali ndi chiwongola dzanja chabwinoko kuposa chiwongola dzanja cha akaunti yosungira kubanki (kuyambira Seputembara 2020).
Kubweretsanso kufanana kwa mchere, monga mchere wambiri mu mbale, kumawononga kukoma. Kuyika ndalama zambiri mu gawo limodzi kumakhudza momwe ndalama zanu zimakhalira. Gawirani chuma chanu mwanzeru kuti mupindule kwambiri ndi ndalama zomwe mumagulitsa pakapita nthawi zomwe zimathandizira zolinga zanu zamoyo.
Gulani Inshuwaransi Yaumoyo kapena Lipirani Malipiro Anu
Malinga ndi lipoti lofalitsidwa ndi India Brand Equity Foundation, ndalama za inshuwaransi ya moyo zomwe zasonkhanitsidwa ku India zakwera kupitilira Rs. 4 thililiyoni kuyambira 5 mpaka 2012.
Mutha kuyika inshuwaransi ya moyo kapena inshuwaransi yanthawi yayitali kutengera zomwe mukufuna komanso mtundu wa chithandizo chomwe mukufuna.
Wotsata ndalama zanu akhoza kukudziwitsani za malipiro omwe akubwera.
Ngati kutulutsa ndalama zolipirira nthawi imodzi kukusokonezani bajeti yanu, mutha kusankha kulipira mwezi uliwonse kapena kusunga mwezi uliwonse kuti mudzalipirire zomwe zikubwera.
Gulani zinthu zomwe zingakusangalatseni inu kapena munthu amene mumamukonda
Kusunga ndi kuyika ndalama ndizabwino, koma sitiyenera kukhala maloboti opulumutsa ndalama pokwaniritsa zolinga zathu zachuma.
Tisasiye kukhala ndi moyo tsopano kuti tisungire tsogolo lomwe palibe.
Posunga kuona patali mkati mwa malire, tiyenera kukhala ndi chimwemwe cha moyo ndi kusadzikana tokha zinthu zimene sizingakhale zaphindu landalama koma zingatibweretsere chimwemwe chimene tonsefe timachifuna.
Chifukwa chake mugulireni maluwa okondedwa anu, dzitengereni chikwama chomwe mwakhala mukuchiyang'ana kwakanthawi, kapena m'malo mwa foni yam'manja ya mayi anu ndi foni yamakono.
Ngakhale kuti timasunga ndalama, chimwemwe chimene mphatso yaing’ono imabweretsa kwa ife eni kapena kwa okondedwa athu n’chamtengo wapatali.
Perekani kwa Cholinga kapena Chifundo
Payekha, ndimakhulupirira kuti zolinga zathu zachuma ziyenera kukhala ndi cholinga chachifundo kapena cholinga chopereka.
Zikumveka ngati zabwinobwino?
Zingakhale choncho, koma taganizirani dziko limene aliyense akudziganizira yekha ndi mabanja awo popanda kupereka thandizo kwa osauka ndi oponderezedwa. Lidzakhala dziko lopanda pake lokhala ndi kusiyana kwakukulu pazachuma.
Ngati mwakwanitsa kupeza moyo wabwino, ndi udindo wanu kupereka chithandizo ku bungwe lachifundo, ku bungwe, kapena ngakhale kuthandiza osauka a m'deralo pang'ono.
Mutha kuyamba pang'ono. Pali mabungwe ambiri, ovomerezeka, omwe amapempha ndalama zochepa kuti athandizire maphunziro a ana. Mukhozanso kupereka ndalama zothandizira.
Mutha kuthandiza m'njira yanu yaying'ono yomwe anthu akufunsa zachifundo kunja kwa njanji kapena masitima apamtunda. Kupatsa ndi chinthu chaulemu. Tikapanda kupereka, sitingalandire zochuluka zimene chilengedwe chatisungira.
Kodi muli ndi malingaliro pazinthu zabwino zomwe mungachite mukalandira malipiro anu?
Ngati inde, omasuka kunena zomwe zili mu ndemanga pansipa. Tikhoza kuphatikizanso zimenezo!
Siyani Mumakonda