Bajeti ndi dongosolo lokha la ndalama zanu. Gawo lovuta ndikusankha njira yomwe mudzagwiritse ntchito. Nazi njira zinayi zodziwika bwino m'mawu osavuta, ndi nthawi yomwe iliyonse imagwirira ntchito bwino, kotero mutha kusankha imodzi ndikuyamba sabata ino.
Nkhaniyi ndi yothandiza powerenga phunziro la Njira Zogwiritsira Ntchito Ndalama mu phunziro lathu laulere la Ndalama . Werengani, onerani kapena mvetserani apa, kenako yesani phunziro lothandizirana.
M'nkhaniyi
N’chifukwa chiyani mumagwiritsa ntchito njira ina?
Popanda njira, mumayesa ndalama zomwe muli nazo komanso chiyembekezo chanu. Ndi imodzi, mumasankha pasadakhale komwe gawo lililonse la ndalama zanu likupita. Zimenezi zimachotsa malingaliro a tsiku ndi tsiku ndipo zimapangitsa kuti zikhale zosavuta kuzindikira mavuto msanga.
Njira 1: Lamulo la 50/30/20
Lamuloli linatchuka ndi senator wa ku America Elizabeth Warren ndi mlembi mnzake Amelia Warren Tyagi m'buku lakuti All Your Worth . Gawani ndalama zomwe mumapeza mutalipira msonkho m'magawo atatu: pafupifupi 50 peresenti ya zosowa , 30 peresenti ya zosowa ndi 20 peresenti ya kusunga kapena kulipira ngongole.
Chitsanzo (manambala opangidwa): ndi 2,000 pamwezi, zomwe ndi pafupifupi 1,000 pazosowa, 600 pazosowa ndi 400 zosungira. Ndikosavuta kukhazikitsa, ndipo ndi chitsogozo chokha. Ngati lendi yanu ndi yokwera, sinthani magawo. Kodi mwatsopano ku lingaliro? Yambani ndi zosowa poyerekeza ndi zomwe mukufuna.
Njira 2: Maenvulopu
Ikani ndalama zokhazikika pa gulu lililonse mu envelopu yakeyake, monga chakudya, zosangalatsa ndi mayendedwe. Pamene envelopu ilibe kanthu, mumasiya kugwiritsa ntchito ndalama mu gululo mpaka mwezi wamawa. Masiku ano anthu ambiri amagwiritsa ntchito ma envelopu a digito mu pulogalamu ya banki m'malo mwa ndalama. Zimagwira ntchito bwino ngati mugwiritsa ntchito ndalama zambiri pa makadi, chifukwa malire ake ndi owonekera.
Njira 3: Kupanga bajeti popanda kugwiritsa ntchito ndalama
Patsani gawo lililonse la ndalama zomwe mumapeza ntchito mpaka palibe chomwe chatsala. Ndalama zomwe mumapeza kupatula ndalama zonse zomwe mwakonza ndipo kusunga ndalama ndi zero. Izi sizikutanthauza kuti mumagwiritsa ntchito ndalama zonse: kusunga ndalama ndi ntchito. Zimafunika khama lalikulu mwezi uliwonse, ndipo zimagwirizana ndi bajeti yofooka kapena yosakhazikika komwe euro iliyonse imawerengedwa.
Njira 4: Dzilipireni kaye
Sankhani ndalama zomwe mwasunga, muzisiye tsiku lolipira, ndipo muzigwiritsa ntchito ndalama zina momasuka. Ndi njira yosavuta yosungira ndalama ngati kutsatira mwatsatanetsatane kukuwoneka ngati ntchito yovuta. Gwirizanitsani ndi cholinga chomveka bwino kuchokera ku kalozera wathu mpaka kukhazikitsa cholinga chosungira ndalama.
Kodi muyenera kusankha iti?
| njira | Zabwino kwambiri | khama |
|---|---|---|
| 50/30/20 | Oyamba kumene omwe akufuna lamulo losavuta | Low |
| envulopu | Anthu omwe amawononga ndalama zambiri pa makadi | sing'anga |
| Zotengera zero | Bajeti yolimba kapena yosasinthasintha | High |
| Dziperekeni nokha kaye | Anthu omwe akuvutika kusunga ndalama | Low |
Ngati simukudziwa, yambani ndi 50/30/20 kwa mwezi umodzi. Ngati mupitiliza kugwiritsa ntchito ndalama mopitirira muyeso, onjezani ma envulopu a gulu la mavuto. Palibe njira yabwino kwambiri. Yabwino kwambiri ndi yomwe mukupitiriza kugwiritsa ntchito.
Yambani sabata ino
- Lembani ndalama zomwe mumapeza pamwezi mutalandira msonkho.
- Lembani ndalama zanu zokhazikika, zosowa zomwe simungathe kuzisiya.
- Sankhani njira imodzi ndikuyiyika mu notebook, spreadsheet kapena app.
- Unikaninso patatha mwezi umodzi ndikusintha. Bajeti yanu yoyamba ndi yoyambirira, osati yankho lomaliza.
Penyani ndi kuphunzira
Makanema afupiafupi ofotokozera mwachidule, ndi awiri ataliatali omwe amafananiza njirazo mbali imodzi.
MAFUNSO OFUNSIDWA KAWIRIKAWIRI
Ndi njira iti yokonzekera bajeti yomwe ndi yabwino kwa oyamba kumene?
Lamulo la 50/30/20 ndilo losavuta kuyambira, chifukwa lili ndi mabaketi atatu okha. Ngati silikugwirizana, yesani ma envulopu kapena kupanga bajeti popanda kugwiritsa ntchito ndalama zambiri pambuyo pake.
Kodi ndikufunika pulogalamu yoti ndigwiritse ntchito pa bajeti?
Ayi. Buku lolembera kapena spreadsheet yosavuta imagwira ntchito. Mapulogalamu angathandize pofufuza ndalama zokha, koma njira yake ndi yofunika kwambiri kuposa chida.
Kodi ndiyenera kuwunikanso bajeti yanga kangati?
Yang'anani sabata iliyonse kwa mphindi zingapo ndipo bwerezaninso nthawi yayitali kamodzi pamwezi. Sinthani kuchuluka kwa ndalama zomwe mumapeza kapena ndalama zomwe mumawononga zikasintha.
Nanga bwanji ngati ndalama zanga zisintha mwezi uliwonse?
Bajeti yochokera ku mwezi wanu wotsika kwambiri, ndipo pezani ndalama zowonjezera ngati bonasi yosungira. Kupanga bajeti popanda kugwiritsa ntchito ndalama zambiri kumagwiranso ntchito bwino pano, chifukwa mumakonzekera mwezi uliwonse kuchokera pa zomwe zafikadi.
Pitirizani kuphunzira
- Phunziro la Ndalama: Njira Zopangira Bajeti
- Maphunziro a Ndalama Zaulere
- Zosowa vs. zomwe mukufuna
- Momwe mungakhazikitsire cholinga chosunga ndalama chomwe mudzachikwaniritse
Zambiri zokhudza maphunziro, osati upangiri wazachuma. Zitsanzo zimagwiritsa ntchito manambala opangidwa; onani malamulo ndi zinthu zomwe zikugwira ntchito komwe mukukhala.
