Momwe mungakhalire pang'onopang'ono?

Sikuti aliyense akudziwa momwe angagaŵire ndalama zawo. Anthu ambiri, akubwera kumsika wamalonda, kugula kumeneko kuposa theka la katundu wambiri. Choncho, ndalama zimapita mofulumira kwambiri komanso zolakwika. Kusonkhanitsa ndalama zofunikira pa chinthu china chofunikira chidzakhala chovuta kwambiri. Choncho, pofuna kuthetsa vutoli, m'pofunika kuphunzira momwe mungakhalire ndichuma.

Kodi mungaphunzire bwanji kukhala mochepa ndi kusunga ndalama?

Poyang'ana koyamba zingawoneke zovuta kwambiri, chifukwa, ziribe kanthu ndalama zingati, nthawi zonse zimawoneka kuti sizikukwanira. Koma pali zinthu zambiri zimene mungathe popanda popanda, makamaka ngati mukukonzekera kugula kofunikira, zomwe mukuyenera kuzipeza padera.

1. Timaphika kunyumba . Choyamba, pewani kudya kumalo odyera, malo odyera, chakudya chachangu . Zidzakhala zachuma kwambiri kuphika kunyumba. Mukapita kuntchito, kambiranani ndi inu. Ngati tsiku lililonse mutenga chakudya ndi inu, mmalo mwa ulendo wopita ku cafe, ndiye kwa mwezi umodzi mukhoza kusunga kwambiri pa izi.
2. Lists . Mukapita kukagula, lembani mndandanda wa zofunika kwambiri panyumba. Yang'anirani kuchuluka kwa momwe mukufunikira kutenga ndalama kuti mugulitse mankhwalawa ndipo musati mutenge ndalama zambiri.
3. Zogwiritsira ntchito . Gulani zinthu zomwezo zomwe zingapindule. Pewani ku chips, crackers, madzi okoma ndi confectionery. M'malo mwake, gulani zipatso ndi ndiwo zamasamba. Musagule mankhwala alionse omwe atsirizidwa. Zidzakhala zotsika mtengo komanso zothandiza kugula zinthu zofunika ndikudzikonzekera.
4. Piggy Bank . Yesani mwezi umodzi kuti mugule chinthu chofunikira kwambiri, ndi ndalama zomwe simunagwiritse ntchito pazinthu zomwe mumakonda kapena ntchito, zikani. Kumapeto kwa mweziwu, mudzawona kuchuluka kwake.

Kodi mungaphunzire bwanji kukhala ndi chuma chambiri pothandizira ndalama zochepa?

Kuti mudziwe momwe mungagwiritsire ntchito ndalama zanu moyenera ndi ndalama zochepa.

1. Perekani katundu wamtengo wapatali, womwe ungasinthidwe ndi wotchipa ndipo sukhala woipa kwambiri. Pano, mwachitsanzo, mungathe kupulumutsa kwambiri, ngati mumagula mmalo mwa mankhwala otsika mtengo, soda ndi citric asidi . Iwo sali okwera mtengo ndipo amatha kuyeretsa pafupifupi pamwamba paliponse mnyumbamo.
2. Yesani kusunga pa zamagetsi. Musachoke kuunika, kumene kulibenso wina, ndi kuti njirayi siigwira pamene siili yofunikira.
3. Musagule katundu wochuluka kwambiri mwakamodzi. Samalani kuti asawonongeke.
4. Yang'anirani malonda mumzinda wanu. Amagula zovala zabwino pamtengo wotsika. Koma kachiwiri, zogula zomwe mudzavaladi, ndipo musataya kunja. Yesani kusankha zovala zogwiritsidwa ntchito moyenera kuti zigwirizane ndi zinthu zambiri ndi nsapato.