Powerengera, monga momwe mu masamu, molunjika kumasewera gawo lalikulu. Sipangakhale misonkhano. Panthaŵi imodzimodziyo, akatswiri ambiri amatchula chimodzi mwa mawu ofunikira kwambiri. Tikufuna kuti tidziwe kuti ndiyeso yeniyeni, kaya muyeso muchuma ndi zomwe zimamveka bwino ngati malonda.
Kodi ndalama zowerengera ndalama ndizoti?
Kubwerera m'zaka za zana la 19, zinadziwika kuti ndi chiani. M'masiku amenewo mawu anayamba kugwiritsidwa ntchito monga mawu otchedwa ndalama ya ndalama zonse. Tanthauzo silinasinthe ngakhale lero. Koma tsopano zakhala zikufala kwambiri. Zisanavomerezedwe kugwiritsira ntchito pokhapokha kusiyana pakati pa akaunti ya debit ndi ngongole. Kuchokera m'zaka za zana la 20, kugwiritsa ntchito mawuwa kwatha kupitirira malire.
Mawu awa mu kuwerengera ndi imodzi mwa mawu ofunikira kwambiri. Ponena za kufunikira kwake amadziwa bwino akatswiri omwe ali m'mundawu. Malipiro a malire ndi kusiyana komwe kumachitika pakati pa ndalama zomwe zimagwiritsidwa ntchito komanso kulandira ndalama kwa nthawi yina. Kwa akatswiri malingaliro ameneŵa ndi ochuluka. Dulani kusiyana koteroko:
- debit;
- chithandizo;
- kwa nthawi;
- kutuluka;
- kulowa.
Kodi ndalama zotsalirazi ndi ziti?
Powerengera, ndikofunika kudziwa kuti liwu lokha likutanthauza chiyani, koma zomwe zimamveka bwino ndi zizindikiro monga kulowa mmbuyo ndi kutuluka. Pali kusiyana kwakukulu pakati pa mgwirizano womwe ukubwera ndi wotuluka, umene katswiri aliyense wowerengera ayenera kuwona ndithu. Chotsatira kapena, monga momwe zimatchulidwira nthawi zambiri, ndalama zotsalira ndizowerengera ndalama pamapeto pa nthawi. Amavomerezedwa kuwerengera ngati chiwerengero cha ndalama zoyambirira komanso zowonjezera zonse.
Kodi ndalama zowonjezera ndi ziti?
Kulondola ndi kumvetsetsa njira zazikulu ndizofunikira kwambiri pazowerengera komanso zachuma. Kulakwitsa kulikonse kungawonongeke. Pachifukwa ichi, akatswiri owerengetsera ndalama ayenera kumvetsetsa bwino momwe zilili ndi momwe zingakhalire. Lingaliro la kulingalira ligawidwa kukhala lolowera ndi lochokera. Pansi pa oyamba amamvetsetsa zomwe zinayambira pakufufuza kayendetsedwe ka akaunti pamapeto pa nthawi yomaliza komanso kumayambiriro kwa nthawi inayake.
Kuchita malonda ndi zosavuta
Oyamba pazinthu zowonongeka ndi zachuma nthawi zambiri amadzifunsa kuti ndiyeso yanji ndi chiyani chomwe chiri chokhazikika komanso chokhazikika. Pansi pa woyamba kumvetsetsa kuchuluka kwa zogulitsa kunja kwa zogulitsa. Ponena za kusalakwitsa, mawu awa akunena za kuchuluka kwa zopititsa katundu kunja kwa mayiko ena. Kawirikawiri mumatha kumva za msinkhu wotsika, umene ndi kunja komwe kutumizidwa ndi kutumizidwa kunja kuli kofanana.
Kulipira kwachangu kwachangu
Werenganinso wa malipiro amatchedwa zotsatira zina, zomwe zikuwonetsedwa pamapeto omaliza a dziko, zomwe zimaperekedwa mwa mawonekedwe a chikumbutso kukumbukira pepalali. Zimasonyezeranso ndalama zonse komanso ndalama zogulira ndalama za boma. Malipiro a malipiro amagawidwa kukhala othandizira (otsimikiza) ndi osasamala (olakwika). Ntchito yogwira ntchitoyi ndiyomweyi ya zochitikazi ndi ndalama zomwe zimayendetsera ndalama.
Kulipira malire
Zoipa kapena, monga momwe zimatchulidwira nthawi zambiri, kuchepetsa malire sikutanthauza kuti ndalama zomwe boma likulipira zimakhala zovuta, chifukwa nthawi zambiri zimayambidwa ndi kayendetsedwe ka ndalama zamalonda. Izi zikhoza kukhala pamene dziko liri ndi nyengo yachidziwitso yachuma kwa amalonda onse akunja ndi apanyumba. Mungathe kuyankhula za kuti vutoli liripo ngati nthawi zonse kuchepa kwakukulu komweku kukuphimbidwa ndi kusinthanitsa kwachuma ndi golide.
Momwe mungawerengere ndalama?
Osati owerengera ndalama zokha, koma nthawi zina ngakhale anthu wamba amafunikira kudziwa momwe angaphunzire molondola za mtengo wa malire. Chitsanzo cha mkhalidwe woterewu, komwe kuli kofunika kudziwa za chizindikiro chake, kungakhale kufunikira kuwerengera mu risiti ya zothandiza. Pano pali chidziwitso ndi chidziwitso chofunikira. Komabe, sikuti akatswiri onse oyamba kuwerengera akudziwa momwe angawerengere ndalamazo. Ndikofunika kudziwa mfundo zazikulu:
- Kuti muwerenge mtengo umenewu kuti mupeze chuma, nkofunikira kuwonjezera ndalama zonse zomwe mumalandira kwa nthawi yina ndi ndalama zanu pa nthawi yapadera. Pochita izi, muyenera kuwerengera kusiyana pakati pa ma chiwerengero 2, chomwe chidzakhala malire.
- Pali njira zomwe mungathe kuwerengera ndalama zomwe zimakhala zosasamala komanso zogwira ntchito:
- pa debit = kuchuluka kwa chiwongoladzanja choyamba + pa debit - kutembenuza pa ngongole;
- pa ngongole = kuchuluka kwa chiyambi choyambirira + pa ngongole - chiwonongeko pa debit. Kusiyana kumeneku kumaonedwa kuti ndi kosavuta kwambiri pokhapokha kuyanjananso.
Kodi ndalama zowonjezera ndi ziti?
Pa nthawi zina zowerengetsera ndalama siziyenera kudziwika kwa akatswiri okha, komanso kwa anthu wamba. Nthawi zina ngakhale polipira zofunikila pamakhala mafunso ambiri ndi kusamvetsetsana, chifukwa zimakhala zovuta kumvetsa malemba. Mmodzi mwa iwo amaonedwa kuti ndiweyeso. Kwa wina, mawu omveka ndi osavuta, koma kwa ena ndi tanthauzo latsopano. Ndikofunika kuti munthu wamakono amvetse chomwe chiri pokhapokha mutalandira nyumba ndi ma communal services.
Mtengo umenewu ukhoza kusonyeza ndalama pa akaunti yanu kumayambiriro kwa mwezi uno. Ndipo pamene mtengo uli wabwino, umanena za kulipiritsa ndalama zowonjezera. Pamene nambala ndi yoipa, palidi ngongole. Pachifukwa ichi, nthawi zambiri zimakhala ngati tsiku lakhumi la mwezi mutha kukhazikitsidwa. Mungathe kuyankhula za kuti ndalamazo zikuyendetsedwa ngati ndalama zowonjezera pa akaunti yaumwini.