Momwe mungachepetsere malipiro a galimoto yanu pamwezi

Mukawona kuti bajeti yanu ikukulirakulira, mumayamba kusanthula momwe mumawonongera ndalama kuti muchepetse vuto langongole. Mupeza kuti ndalama zina ndizoyenera, zina zopanda zotsika mtengo, ndi zina…

Mukawona kuti bajeti yanu ikukulirakulira, mumayamba kusanthula momwe mumawonongera ndalama kuti muchepetse vuto langongole.

Mupeza kuti ndalama zina ndizoyenera, zina zilibe zolowa m'malo zotsika mtengo, komanso zinthu zina zomwe mungathe kuchita popanda mpaka mutayambiranso komanso kukhala ndi ndalama zabwino. Zina mwa zinthu zomwe muyenera kukhala nazo ndizomwe muyenera kulipira lendi kapena nyumba, kulipira zofunikira zanu ndipo - inde - kutulutsa ndalama zolipirira galimoto yanu pamwezi.

Ngakhale munganene kuti galimoto ndi yamtengo wapatali osati yofunikira, mkangano umenewo sungakhalepo. Masiku ano, timadalira mayendedwe athu - osati ngati chowonjezera chopanda pake, koma nthawi zambiri ngati njira yochitira ntchito yathu ndikupeza ndalama zofunika pamoyo wabwino.

Ngakhale simuyenera kuchotsa galimoto yanu kuti muchepetse nkhawa zanu zachuma; Pali njira zingapo zomwe mungagwiritse ntchito kuti muchepetse kulipira kwanu kwagalimoto pamwezi kuti mugwirizane bwino ndi bajeti yanu.

Njira 1 mwa 4: Phatikizani ngongole yanu

Ngati muli ndi ngongole zambiri kuwonjezera pa kulipira galimoto yanu, ndi bwino kukaonana ndi wogwira ntchito za ngongole za kuphatikizira ngongole. Izi zimaphatikiza ngongole zanu zambiri kukhala malipiro amodzi omwe ndi osavuta kuthana nawo malinga ndi bajeti yanu, ndipo nthawi zambiri amachepetsa ndalama zomwe muyenera kulipira mwezi uliwonse.

Ndi njira iyi, ndizothekanso kutsekereza chiwongola dzanja chabwino kuposa kale.

Njira 2 mwa 4: Bwezeraninso ngongole yamagalimoto

Kuphatikizira ngongole si njira yokhayo yopezera chiwongola dzanja chochepa ndipo pamapeto pake kutsitsa ndalama zomwe mumalipira pamwezi galimoto. Muthanso kubweza ngongole yamagalimoto.

Ngati chuma chili chotere kuti chiwongola dzanja chikutsika, kapena ngongole yanu yakula kwambiri kuyambira pomwe mudapereka ndalama zagalimoto yanu, njira iyi ndi yofunika kuifufuza.

Khwerero 1: Yang'anani kuchuluka kwa ngongole yanu. Monga momwe mungafunikire ndalama zambiri musanakonzenso ngongole yanu yanyumba, njira iyi ndi njira yokhayo ngati mwakhala mukulipirira galimoto yanu kwakanthawi.

Ngongole yanu iyenera kukhala yocheperako kuposa mtengo wagalimoto yanu.

Chithunzi: Blue Book Kelly

• NtchitoA: Kuti mudziwe mtengo wa galimoto yanu ndikuyerekeza ndi ndalama zomwe muli nazo, pitani ku Kelly Blue Book kapena mawebusaiti a NADA.

Gawo 2. Chepetsani njira zomwe zimafuna kupeza mbiri yangongole. Pofufuza njira zophatikizira ndi kubweza ndalama, kumbukirani kuti ngakhale mukuyenera kufananiza mitengo kuchokera kwa obwereketsa angapo, kuchuluka komwe mumapeza mbiri yanu yangongole kumakhudza kuchuluka kwa ngongole zanu.

Chifukwa nthawi iliyonse wobwereketsa akakufunsani lipoti lanu langongole, zimasokoneza zotsatira zanu, chepetsani "zogula" zanu kuzinthu zabwino kwambiri, monga mabanki omwe mumagwiritsa ntchito pafupipafupi.

Njira 3 mwa 4: Sinthani kupita kugalimoto yotsika mtengo

Ngakhale kuti sizingatheke kukhala opanda galimoto, mukhoza kuchepetsa malipiro anu pamwezi mwa kungogula galimoto yotsika mtengo. Izi zimafuna kuti mugulitse galimoto yanu yamakono kuti mulipire ngongole ndikugwiritsa ntchito ndalama zowonjezera kuti mupereke malipiro a galimoto yamtengo wapatali.

Ngakhale njira iyi ingawoneke ngati yonyanyira, imakhala yothandiza kwambiri pakupangitsa kuti bajeti yanu ya mwezi uliwonse ikhale yosawopsa.

Gawo 1: Gulitsani galimoto yanu. Kuti njirayi igwire ntchito, muyenera kugulitsa galimoto yanu ndalama zambiri kuposa ngongole yagalimoto yanu.

Ngakhale mawebusaiti monga NADA ndi Kelly Blue Book angakupatseni chiŵerengero cha mtengo wa galimoto yanu yamakono, izi sizikutanthauza ndalama zenizeni zomwe mudzalandira. Kuti mudziwe bwino zomwe mungapeze pagalimoto yanu, yang'anani zotsatsa zakomweko komanso zotsatsa zapaintaneti ndikuwona mitengo yogulitsa yamagalimoto ngati galimoto yanu.

2: Pezani galimoto yotsika mtengo. Njirayi imagwira ntchito mosasamala kanthu za chiwongoladzanja, monga ngongole ya galimoto yachiwiri idzakhala yocheperapo kusiyana ndi ngongole ya galimoto yanu yapitayi.

• NtchitoYankho: Ngati mukukonzekera kugula galimoto yogwiritsidwa ntchito kale, lembani makaniko odziwa ntchito monga aku AvtoTachki kuti ayang'ane musanagule kuti apewe kukonzanso kodula mtsogolo.

Njira 4 mwa 4: Kambiranani zolipira zotsika ndi wobwereketsa wanu

Obwereketsa ena ali ndi ndondomeko yomwe malipiro amatha kuchepetsedwa kwa nthawi yochepa pamene wobwereketsa wasintha kwambiri ndalama chifukwa cha zovuta monga matenda kapena kutaya ntchito.

Gawo 1: Lumikizanani ndi ogulitsa anu. Mudzakhala ndi mwayi wopambana pakukambirana za ngongole zagalimoto zatsopano ngati mutapereka ndalama zagalimoto yanu kudzera kumalonda. Kupita kumalo ogulitsa kumakhala kopindulitsa kubizinesi yanu chifukwa chakuti pali zochepa zofiira ndipo mumatha kuchita zambiri ndi anthu omwe amakudziwani kusiyana ndi kampani yonse.

2: Ganizirani momwe chuma chanu chidzakhudzire nthawi yayitali. Kumbukirani kuti ngati mutha kukambirana za malipiro ocheperapo, chiwongoladzanja chonse choperekedwa chidzakhala chokwera ndipo ndondomeko yobwezera idzakhala yaitali. Chotero ngati mukuyembekeza kuti mkhalidwe wanu wachuma uwongolere posachedwapa, ichi sichingakhale chosankha chabwino koposa m’kupita kwanthaŵi.

Kaya mumasankha njira iti, nkhani yabwino ndiyakuti simuyenera kukhala opanda galimoto kuti muthe kulipira mwezi uliwonse galimoto yanu. Izi zikutanthauza kuti mutha kuyendabe popita kapena kuchokera kuntchito, kapena kupitiriza kugwira ntchito zomwe zimadalira kukhala ndi mayendedwe anu.

Ganizirani ubwino ndi kuipa kwa zosankha zomwe zilipo zomwe zimakhala zosiyana ndi zachuma chanu, ndipo njira imodzi ndiyo njira yabwino kwambiri yochepetsera malipiro anu a mwezi uliwonse.