Kubwezera koyambirira kwa ngongole kuli ndi ubwino wambiri. Izi ndi kuchepetsa chidwi, komanso kuganiza bwino kwa wobwereka. Choncho, munthu aliyense amene ali ndi ndalama zogulitsa malonda, amaganiza za momwe angawononge msanga. Kubwezera mofulumira kwa ngongole yamakono kuli kotheka ndi dongosolo lokonzanso, popeza ichi ndi njira yothetsera nzeru.
Kawirikawiri mabanki amapita mwachangu kuzinthu zoterezi. Opaleshoniyi ikutanthauza mapeto a mgwirizano watsopano wokongoza ngongole ndi chidwi chochepa komanso kubwezera chakale. Pankhaniyi, kasitomala adzatha kupulumutsa pa chiwongoladzanja ndi kulipira ngongole mofulumira. Koma palibe chifukwa choyenera kutenga ngongole yatsopano mu bungwe lina kuti lilipire chakale. Monga momwe chiwonetsero chikuwonetsera, izi zidzetsa mavuto aakulu kwambiri.
Kodi ndingabwerenso bwanji ngongole mwamsanga?
Kubwezera ngongole koyambirira kukutheka pamene wobwereka amapeza ndalama zambiri mwezi uliwonse kuposa momwe akulipira. Powonjezerapo ndalamazi, mwamsanga wobwereketsa adzakwaniritsa zofunikira za ngongole. Kuti mukhale ndi mwayi umenewu, muyenera kukonza bajeti yanu, musasiye ndalama zambiri. Kusanthula mosamala ndalama kudzakuthandizani kuti muzitha kugula zinthu, zomwe zidzakuthandizani kuti mupulumutse ndalama. Zitha kugwiritsidwa ntchito kuonjezera kuchuluka kwa malipiro a mwezi.
Kodi mungabwezere bwanji mwongole mwamsanga - malangizo:
- Mwezi uliwonse, perekani ndalamazo kuti mubwezere ngongoleyo.
- Pewani malipiro malinga ndi nthawi. Apo ayi, chilango ndi malipiro adzayankhidwa, zomwe zidzawonjezera kuchuluka kwa malipiro.
- Lembani kalata ku banki za kukonzanso ngongole.
Kodi mwamsanga mungabwezere bwanji ngongole, ngati palibe ndalama?
Zomwe zimachitika ngati palibe ndalama yobwereketsa ngongole ndizofala. Koma ngongole zanu ziyenera kuperekedwa, popeza palibe kubwerera kudzabweretsa zotsatira zoopsa.
Choyamba, yesetsani kupeza zowonjezera zopezera ndalama. Izi zikhonza kukhala ntchito ya nthawi zonse komanso ntchito ya nthawi yochepa nthawi yaulere. Zitha kuphatikizapo kuphunzitsa, kugwira ntchito pa intaneti , kukambirana zosiyanasiyana. Ngati n'kotheka, mukhoza kubwereka ndalama kwa anzanu kapena achibale anu. Kapena kugulitsa katundu wowoneka, ndi ndalama zogulira ngongoleyo.
Ndizomveka kulankhulana ndi banki ndikufotokozera zomwe zikuchitika. N'zotheka kuti wogulitsa ngongole adzakumane ndi kupereka ngongole zachitukuko. Posankha kuti mwamsanga kubwezera ngongole, musaiwale kuti boma lingathandize pa nkhaniyi. Zothandizira zidzakuthandizani kwambiri kubwezera ngongole.