Momwe mungapangire bajeti yogulira galimoto yatsopano
Zamkatimu
Kusunga ndalama zogulira galimoto yatsopano kapena galimoto yatsopano yogwiritsidwa ntchito sikuyenera kukhala gwero la nkhawa. Ndi kukonzekera koyenera, mukhoza kuwongolera ndondomekoyi popanda kupereka nsembe zazikulu zachuma nthawi yomweyo. Sungani pang'onopang'ono komanso pang'onopang'ono popanga zosintha zamagwiritsidwe ntchito ka ndalama, ndipo posakhalitsa mudzatha kupindula poyendetsa galimoto kuchoka pamalo oimika magalimoto omwe mumawafuna. Uwu ndi luso labwino kuphunzira ndikuwongolera mosasamala kanthu za msinkhu wanu kapena zochitika, ndipo mutha kugwiritsa ntchito njirayi pakugula kwakukulu kulikonse, kuphatikiza magalimoto amtsogolo, mabwato, ngakhale nyumba.
Gawo 1 la 4: Khalani owona mtima ndi bajeti yanu
Khwerero 1: Lembani Malipiro Anu pamwezi ndi Ndalama. Zikafika pamabilu omwe amasiyana malinga ndi nyengo, monga gasi kapena magetsi, mutha kutenga pafupifupi pamwezi pamwezi malinga ndi zomwe mudalipira chaka chatha.
Osayiwala kuphatikizirapo zakudya ndi zina zowonongera zosangalatsa; simukuyenera kukhala ngati wamonke kuti musunge ndalama zolipirira kapena zolipirira zonse zagalimoto.
Gawo 2: Werengani ndalama zomwe mumapeza pamwezi. Phatikizani zinthu zina kunja kwa ntchito yanu, monga alimony kapena thandizo la ana.
Kenako chotsani ndalama zimene mumawononga pamwezi pa ndalama zonse zimene mumapeza pamwezi. Izi ndi ndalama zomwe mungatayike. Gwiritsani ntchito nambalayi kuti mudziwe kuchuluka kwa ndalama zomwe mungathe kuziyika pambali pa galimoto yatsopano.
Kumbukirani kuti simuyenera kugwiritsa ntchito zonsezi pazochitika zosayembekezereka, monga matenda omwe amachititsa kuti mukhale ndi masiku osowa kuntchito, kapena kukonza galimoto yanu yamakono.
Gawo 3: Gwiritsani ntchito pulogalamu ya bajeti. Ngati kupanga bajeti ndi pensulo ndi pepala si njira yanu, ganizirani kugwiritsa ntchito mapulogalamu a bajeti, ambiri omwe amapezeka ngati otsitsa kwaulere.
Nawa mapulogalamu otchuka kwambiri owerengera bajeti yanu ndikutsata ndalama zomwe mumawononga:
- BudgetPulse
- timbewu
- PearBudget
- Yambitsani
- Kodi muyenera bajeti
Gawo 2 la 4: Dziwani mitengo yamagalimoto ndikupanga ndondomeko yosungira
Popanda lingaliro la kuchuluka komwe muyenera kusunga, simungadziwiretu kuti zingakutengereni nthawi yayitali bwanji kuti musunge ndalama zogulira galimoto. Izi zikutanthauza kuti muyenera kugula pawindo pasadakhale kuti mudziwe kuchuluka kwagalimoto yomwe mukufuna kuti iwononge ndalama.
Gawo 1: Onani mitengo yamagalimoto. Ngati mukukonzekera kugula galimoto nthawi yomweyo, mutha kuyang'ana malo ogulitsa ndikusindikiza ndi zotsatsa zapaintaneti kuti mupange zosungirako.
Mukakonzekera kubweza, mutha kukhala ndi ogulitsa osati anthu.
Dziwaninso kuchuluka kwa ndalama zomwe mudzafunikire kulipira msonkho wagalimoto womwe mukufuna, inshuwaransi ya mwezi woyamba ndi chindapusa cholembetsa, ndikuwonjezeranso ndalama zonse zomwe muyenera kusunga. Kupatula apo, mumafuna kuyendetsa galimoto mutagula.
Khwerero 2. Khazikitsani nthawi yokwanira kuti musunge ndalama zomwe zimafunikira.. Mukadziwa kuchuluka kwa ndalama zomwe mungafunikire kuti mugule galimoto kapena kulipira pang'ono, mutha kuwerengera nthawi yomwe zidzatengere kuti mupeze ndalama zofunika.
Tengani ndalama zonse zofunika pakulipirirako kapena kugula zonse, kuphatikiza ndalama zofananira, ndikugawa ndi ndalama zomwe zawerengeredwa pamwezi zomwe mungasunge. Izi zikuwonetsa miyezi ingati yomwe muyenera kusunga galimoto yanu yatsopano yam'tsogolo.
Gawo 3 la 4: Tsatirani Ndondomeko Yosungira
Zolinga zanu zonse ndi kafukufuku sizitanthauza kanthu ngati simutsatira ndondomeko yanu yosungira. Palibe kusowa kwa zinthu zomwe zingakuyeseni kuti muwononge ndalama zambiri kuposa bajeti yanu, kotero muyenera kuchita chilichonse chomwe chilipo chomwe chingakupangitseni kukhala panjira yoyenera.
Khwerero 1: Tsegulani akaunti yosungira kuti mugule galimoto yamtsogolo ngati mungathe.. Izi zidzakupangitsani kukhala kovuta kuti mulowe mu thumba la galimoto yanu pamene mukuyesedwa kuti muwononge chilichonse pa bajeti yanu.
Gawo 2: Sungani ndalama zamagalimoto nthawi yomweyo. Ngati ntchito yanu imakupatsani mwayi wolipira malipiro anu mwachindunji, mutha kukhazikitsa zosintha zokha ku akaunti yanu yosungira.
Ngati sichosankha, yesani kusungitsa ndalama zagalimoto yanu mukangolipidwa kuti muchepetse chiopsezo chogwiritsa ntchito nthawi yake isanakwane. Ndiye ingoyerekezani kuti ndalamazo kulibe mpaka ndondomeko yanu yosungira ndalama itatha ndipo muli ndi ndalama zogulira galimoto.
Gawo 4 la 4: Pitani kukagula ndikugula
Gawo 1. Bwerezani kugula galimoto pamtengo wabwino kwambiri.. Mukasunga ndalama zokwanira zogulira galimoto yatsopano—kaya mwa kubweza ngongoleyo kapena kulipira ndalama zonse—dziŵani kuti mungapeze galimoto yotsika mtengo kuposa mmene munasungira.
Tengani nthawi yogulanso ndikufufuza zosankha m'malo moyika ndalama zanu pagalimoto yoyamba yomwe mwawona.
Gawo 2: Onani njira zopezera ndalama. Mfundo yomweyi imagwiranso ntchito posankha njira yopezera ndalama ngati mukukonzekera kulipira mwezi uliwonse mutapanga ndalama.
Chiwongola dzanja chimasiyanasiyana ndipo mukufuna kulipira pang'ono momwe mungathere kuti mukhale ndi mwayi wolipira galimoto yanu pang'onopang'ono.
Monga lamulo, bungwe la banki limapereka ndalama zocheperapo kusiyana ndi wogulitsa yekha, koma izi sizili choncho nthawi zonse. Yang'anani ndi obwereketsa angapo musanapange chisankho ndikusayina mgwirizano, chifukwa mukangosaina mzere wamadontho, mwadzipereka ndipo ngongole yanu ili pamzere.
Zonse zikanenedwa ndi kuchitidwa, ndipo muli ndi makiyi a galimoto yanu yatsopano m'manja mwanu, zonse zomwe mwadzipereka pa bajeti zomwe mwapanga m'miyezi ingapo zidzakhala zoyenera. Kuphatikiza apo, mutha kugwiritsa ntchito luso lanu latsopano kuti musunge zogula zamtsogolo kapena kukonzekera kupuma pantchito. Mukhoza kupitiriza kugwiritsa ntchito ndalama zomwezo zomwe mumasungira galimoto yatsopano mu ndondomeko yosungira ndalama tsopano popeza mwasintha bajetiyo.
