Kodi mtengo waukwati umabweretsa ndalama zingati?

Zachitika kuti ukwatiwo ndi umodzi wa zikondwerero zofunikira kwambiri pamoyo wa anthu ambiri. Ngakhale makolo athu anali atayamba kuyamba kukonzekera ukwati wa ana kuyambira atabadwa, ndipo chikondwerero chomwecho chikhoza kukhalapo kuposa sabata. Tsopano miyambo yayamba kusintha kwakukulu, koma chinthu chimodzi chosasinthika: aliyense amafuna kuti ukwatiwo ukhale wapadera komanso wosaiwalika. M'zinthu zamakono, zingakhale zovuta kuchita - zochulukirapo, mwayi wopezera ndalama umapangitsa mkhalidwe wawo. Kuwerengera kuti kulipira ndalama zingati, okwatirana ambiri akuyang'anizana ndi kusankha - mwina kubwezeretsa chikondwerero kapena kubwereketsa ndalama. Tiyeni tiyesetse kuona kuti ndibwino kuti tichite phwando la ukwati pafupipafupi, kodi mungapulumutse chiyani, komanso ndi zinthu ziti zomwe zingakhale bwino kuti musamangodandaula, kuti tchuthi likhale lopambana, ndipo bajeti ya banja sichikukhudzidwa.

Kodi ndi ndalama zingati kuti mupange ukwati wabwino?

Ukwati wabwino ndi lingaliro lotayirira, ndipo, monga akunena, palibe malire ku ungwiro. Anthu otchuka amathera mamiliyoni ambiri pa ukwatiwo, akusankha malo osangalatsa kwambiri pa chikondwererochi, kuchitira alendo alendo ndi zakudya zokoma ndi kukondweretsa maso ndi zovala zosatsutsika. Ukwati wabwino kwa anthu osalemera ndi otchuka ndi bungwe labwino la chikondwerero, zokonzedwa zokha, masewera okondweretsa ndi kukumbukira kokondweretsa kwa zaka zambiri. Kotero, tiyeni tiwerenge momwe kuli koyenera kukondwerera ukwati:

Atawerengera kuti ndibwino bwanji kusewera ukwati pogwiritsa ntchito ntchito za akatswiri, sizili zovuta kuganiza kuti si banja lililonse limene lingapange kuchokera mu bajeti osachepera 10-15 zikwi zambiri. Choncho, mabanja ambiri achinyamata akuyesera kupeza njira yochepetsera bajeti ya ukwati.

Kodi ukwati wapakati tsopano ndi wotani?

Mungathe kupulumutsa pazinthu zambiri zogwiritsira ntchito ndalama, koma kuti musamapatse tchuthi kuwononga chuma chanu. Zovala zaukwati zingathe kubwerekedwa, zokongola za holo ndi magalimoto zikhoza kudalirika ndi anzanu omwe akufuna kutenga nawo mbali pokonzekera tchuthi, komanso podzipereka akhoza kupanga zipangizo zina za holide, monga zoitanira alendo, zikalata za mpikisano, ndi zina zotero. Ngati muli ndi anzanu kapena abwenzi omwe akukonzekera zikondwerero, mukhoza kuvomereza pa kuchotsera kwa misonkhano. Mukamakonzekera phwando, mukhoza kusankha malo omwe amakupatsani mwayi wakupatsa chakudya ndi zakumwa zoledzeretsa. Kuti mupite ulendo wachisangalalo, mungathe kusankha njira yopita kudziko lanu, kapena mukhoza kuphunzira zoperekedwa kwa mabungwe osiyanasiyana oyendayenda, monga pafupifupi paliponse pali kuchotsera kwa nyengo komanso zopindulitsa zina.

Mukhozanso kupeza momwe mtengo wa ukwati umagwirira ntchito. Makampani omwe amapereka zikondwerero zamakono angapereke zosangalatsa zosangalatsa zomwe zikugwirizana ndi mwayi wa ndalama.

Koma posankha chithunzi ndi kanema, wogwiritsira ntchito sayenera kupulumutsidwa, chifukwa zotsatira za ntchito yawo zidzakhalabe zikumbutso za tsiku ili lopatulika, mwina ngakhale kwa mibadwo yambiri. Muyeneranso kumvetsera kwa otsogolera - chisokonezo komanso chikhalidwe cha holide chidzadalira pazochita za munthu uyu.

Kuti muwerenge kuchuluka kwa ndalama zomwe zikufunika kuti muyambe kukwatirana, ngati mukusunga pazinthu zina, muyenera kuphunzira zomwe mungakonde kuchita mu makampani osiyanasiyana ndi ma salons, ndikuwonanso zomwe mukukonzekera zingatheke pokhapokha kapena kudalirika ndi anzanu.

Kodi ndi ndalama zingati kuti muzisangalala ndi ukwati wotsika mtengo?

Funso la anthu angati tsopano ndi ofunika kupanga ukwati wochepa, wokondweretsa kwambiri, chifukwa kusakhazikika kwachuma m'mayiko ambiri kumakhudza kuthekera kwachuma kwa anthu ambiri. Ndipo komabe, ngakhale ndi mwayi wochuluka, anthu ochepa chabe amafuna kudziletsa okha kupenta ndi kudya pakhomo. Palinso njira yothetsera vutoli - mukhoza kupanga ukwati ndi manja anu, mothandizidwa ndi anzanu. Inde, mudzayenera kugwiritsa ntchito ndalama zina pa nkhaniyi. Kodi bungwe la ukwati ndi lokha, choyamba, limadalira nzeru za mkwati ndi mkwatibwi. Choyamba, muyenera kugula madiresi a ukwati, ndipo ngati mkwati angachepetse zovala zake, atagula zipangizo zoyenera, mkwatibwi angatenge mkanjo wabwino pamsika waukwati, kumene zovala zimakhala zotchipa kusiyana ndi salons. Muyeneranso kugula zipangizo zofunikira kuti mukhale zokongoletsera, ndipo muzikhala ndi nthawi yopanga zodzikongoletsera ndi zochitika. Kuganiza pa pulogalamu yosangalatsa, kuganizira zofuna za alendo, mungathe kuchita nokha. Mukhoza kupereka momwe polojekiti ikuyendera kwa anzanu kapena anthu omwe mumadziƔa omwe ali ndi makhalidwe ofunikira pa izi. Zojambulazo mu ofesi yolembera zikhoza kukhala zovomerezeka, ndipo pa tsiku la mwambo waukwati Mwamuna ndi mkazi wake amatha kukwatira ukwati, womwe umakhala woona mtima komanso wogwira mtima. Izi zimagwiritsidwa ntchito m'mayiko ambiri, osati chifukwa chofuna chuma, komanso chifukwa chopanga malo enaake. Kwa phwando, mungagwiritse ntchito chipinda chodyera kapena kubwereka nyumba ya dziko kwa masiku angapo, kuitana oyang'anira ndi antchito pawokha. Izi zidzakondwerera zikondwerero ndikusunga ndalama.

Ndipotu, pali zinthu zambiri zomwe mungachite kuti mukondweretse ukwati wotsika mtengo, chinthu chachikulu sichiyenera kuopa kuyesera ndi kukhala ndi nthawi yokwanira yokonzekera.