Mayi aliyense yemwe amayendetsa nyumba ndiye woyamba komanso wolemba ndalama. Muyenera kuganizira zinthu zing'onozing'ono zikwi chikwi, muwagulire pamenepo, muzisintha, musamangidwenso kukonzekera, ndipo musaiwale nokha. Ndipo nthawi zambiri mumayenera kupulumutsa, nthawi zina ngakhale pa zinthu zofunika kwambiri. Kukonzekera bwino bajeti ya banja ndi kusunga ndalama ndi sayansi yonse yomwe ili ndi mfundo zake ndi malamulo ake. Kupulumutsa moyenerera kumapangitsa kuti pakhale ndalama zowonjezera kuti pakhale bata ndi chuma. Koma kusungidwa mopanda nzeru kungayambitse mavuto ena.
Timapereka malingaliro apadera
Pa zosafunika kuzipulumutsa? Kodi mungakwanitse kuchita chiyani, ngakhale kuti bajeti ndi yotani? Anthu omwe apindula bwino ndichuma akulangizidwa kuti atsatire ndondomeko zotsatirazi:
- musapulumutse konse pa thanzi. Ndi bwino kugwilitsila nchito mayesero odziteteza kuposa kuwononga ndalama zambiri. Kuyankhula kwa katswiri wotsika mtengo ndi mbiri yosautsa kumakhala kosavuta kwambiri kuposa kufunsa katswiri weniweni. Ngati simukumva bwino, ndiye kuti mutha kukhazikitsa chifukwa chake, ndipo kuchiza matendawa pachiyambi kungakhale wotchipa kusiyana ndi momwe mukuchizira matenda aakulu omwe akhala aakulu.
- Sikofunika kuti muzisunga zakudya zabwino. Mukhoza kukana kudya mankhwala osakaniza komanso mankhwala ovulaza, koma patebulo ayenera kukhala ndiwo zamasamba ndi zipatso, mkaka ndi mkaka wowawasa. Mungathe kupulumutsa mavitamini okonzekera, koma mavitamini a "moyo" ayenera kupezeka nthawi zonse.
- musapulumutse pa zovala ndi nsapato. Mawu a Chingerezi akuti: "Sitili olemera kwambiri kugula nsapato zotsika mtengo." Ndipo ndi zoona. Vuto loyenerera ndi loposa mtengo, koma lidzakhalapo nthawi yaitali. Ndipo, kuwonjezera apo, zovala zodula zimapangitsa kukhala ndi maganizo abwino kuti zinthu ziziwayendera bwino komanso kuti zinthu ziziwayendera bwino.
- Sikofunika kuti muzisunga zodzoladzola. Zodzoladzola zotsika mtengo nthawi zambiri zimakhala zovulaza ku zigawo zikuluzikulu za thanzi, chifukwa zimafulumira khungu kukalamba, kukhumudwa komanso kukhumudwa. Koma, mtengo wamtengo wapatali siwotsimikiziranso za khalidwe. Ndibwino kugwiritsa ntchito makampani otsimikiziridwa omwe ali ndi mbiri yabwino ya nthawi yaitali.
- pa zidole za ana, nazonso, sungakhoze kupulumutsidwa, chifukwa izi, poyamba, ndizofunikira pa thanzi lawo. Ndi bwino kugula zidole zochepetsetsa, koma ziyenera kupangidwa ndi zipangizo zabwino komanso zotetezeka.
- pamene kugula zipangizo zam'nyumba simuyenera kuzisunga pa khalidwe. Zidzakhala zodula kugula chinthu chodula chomwe chidzakhala zaka zambiri kuposa kugula kapena kukonza zipangizo zotsika mtengo nthawi zonse.
- sikofunika kuti mupulumutse pa mpumulo wa thanzi. Kupumula kwathunthu kumalimbikitsa kupititsa patsogolo maphunziro, kumachepetsa nkhawa ndi nkhawa. Mukhoza kusunga ndalama posankha malo oti mupumule. Sikofunikira kuti tchuthi mu malo opindulitsa kwambiri, makampani ambiri ali ndi dongosolo la kuchotsera, zomwe nthawi zambiri zimagwiridwa. Ndipo iwe ukhoza kungopita ndi banja lonse ku chikhalidwe, ngakhale pafupi ndi mzinda. Mulimonsemo, holide imeneyo idzachita zabwino.
- musapulumutse pazomwe mukuphunzira. Ngati mumakhudzidwa ndi mtundu wina wa ntchito, ndiye kuti muyenera kugwiritsa ntchito magwero onse omwe mukupezeka kuti muphunzitsidwe.
- ndipo chofunika kwambiri ndi lamulo lakupulumutsa - simungakhoze kupulumutsa pa khalidwe, koma pafupifupi nthawizonse mukhoza kusunga kuchuluka.
Kuwonjezera apo, alangizi a zachuma akulangiza, musanayambe kupeza ndalama, nthawizonse muike cholinga chowonekera. Sungani ndi kusunga ndalama za "tsiku lamvula" silingathe, komanso kuti sizingakonzedwe kupeza ndalama zopanda malire.
Ndi njira yoyenera, kupulumutsa ndalama kukupatsani kugula zinthu zofunika komanso zofunikira, komanso, m'kupita kwanthawi, kuthandizira kupeza ufulu wodalirika.