Ndalama zopindulitsa ndizovuta zomwe anthu omwe ali nazo zili ndi ndalama zambiri ndipo amafuna kuzigwiritsa ntchito kuchulukitsa ndalama zawo m'tsogolomu. Koma momwe mungapulumutsire ndalama osati kutentha? Funsoli ndi lovuta kuyankha ngakhale akatswiri odziwa bwino komanso odziwika bwino. Aliyense amasankha yekha zomwe zili zopindulitsa, zomveka komanso zodalirika mmaganizo ake. Wina amakonda mapepala, ndalama zogwirizana, chabwino, wina amakonda kuyendetsa malonda pa intaneti , zobisika zosiyanasiyana, ndi kuika ndalama zawo ku banki.
Kusankha kuli kwakukulu. Zonse mwazinthu zomwe mungasankhe kuti mupindule kwambiri ndizoyenera kuziganizira. Tiyeni tiwone bwinobwino, mwina izi zidzakuthandizani kuzindikira zofooka zawo ndikuzindikira ubwino, komanso kuganizira za ndalama zomwe zimapindulitsa mu 2013.
Malonda opindulitsa pa intaneti
Ndalama zamagulu (ndalama za mgwirizano) ndi chinthu choyamba chomwe tidzakambirana. Iwo ndi abwino chifukwa mutatha kugulitsa mabungwe ndi magawo a makampani osiyanasiyana, akatswiri odziwa bwino ntchito adzakhala akuyang'anira njirayi, simusowa kugwiritsa ntchito zoyesayesa zina. Kupindula kwakukulu - mumapatsidwa mwayi wopanga ndalama zochepa za ndalama, simukusowa ndalama zambiri. Ndipo mukakhala muzinthu zingapo panthawi imodzimodzi, ngati wina atha kusungunuka, mudzatetezedwa kutaya ndalama zanu zonse. Mwatsoka, pakuchita, chirichonse sichiri chokongola kwambiri. Pakhoza kukhala zoperewera zazikulu ndi zotayika. Palibe chitsimikizo, zimangodalira zomwe zili pamsika komanso kudalirika kwa kampaniyo. Kuneneratu chinachake sikungatheke. Mukhoza kudalira phindu lalikulu, pokhapokha ku Ulaya mavuto akutha. Koma, monga mukudziwira, phindu ndi lalikulu pomwe pali ngozi yaikulu.
Zagawo ndi zomangira
Njira yopezera ndalama zopindulitsa za ndalama ndikupeza phindu lopambana lidzapambana kokha ngati mutakhala kale wodziwa bwino ndalama mu msika, kugula ndi kugulitsa katundu ndi malonda pa nthawi yoyenera. Tiyenera kukumbukira kuti ndi ndalama zing'onozing'ono pano sizigwira ntchito, mukufunikira ndalama zambiri. Kuposa momwe izo zidzakhalire apamwamba, mwayi wawukulu wa masewera opindulitsa pa malonda a malonda anu. Kusiyanasiyana kwa Mutual Funds - ndinu mbuye waluso, mumapanga zisankho zonse zokhudzana ndi nthawi, malo ndi kugula, kugulitsa zigawo ndi zomangira. Zonse zimadalira pa chisankho chanu, muyenera kukhala nawo mu chigamulocho, komanso momwe mungathe kukhazikitsa ndondomeko yanu pazomwe mukuchita.
Chotsatira chachikulu ndichokuti pangozi yaikulu. Kaŵirikaŵiri zimachitika - zonse kapena palibe pangozi.
Mabotolo a mabanki ndiwo ndalama zopindulitsa kwambiri popanda chiopsezo. Ngati banki ikutha, mudzabwezeretsa ndalama zanu. Koma pali zovuta kufunso - ma dipatimenti amaonedwa kuti ndi opindulitsa kwambiri ponena za phindu. Pali njira yoti simungapeze ndalama zenizeni zoyembekezeredwa.
Kuyika - komwe kuli kopindulitsa kugulitsa?
Popeza kuti chiopsezo sichinali chodziyimira okha, chodalirika kwambiri mu 2013 chidzakhala ndikugulitsa ndalama za mabanki okhazikika ndi akuluakulu. Mukhoza kupeza otsimikizirika, ngakhale kuti si ambiri. Ziri bwino kuposa kuopseza ndi kutaya chilichonse. Zoonadi?
Kupindulitsa kwamalonda mu malo ogulitsa nyumba
Malo osungirako katundu ndi njira yopindulitsa kwambiri yopezera ndalama nthawi zonse. Ndiponsotu, chaka chilichonse chimangotsika mtengo kwambiri
Chisangalalo chimenecho ndi, ndithudi, choyenera, motero. Ndipo pakadali pano pali kamphindi kakang'ono kamodzi: pamene kumangidwanso kumakhala, mita imodzi ya nyumba idzaposa zambiri pazigawo zake zoyamba. Mwa njira, simusowa kulipira mtengo mwakamodzi. Zidzakhala zokwanira kubweza mwezi uliwonse. Choncho, ganizirani za kuyendetsa malonda ku malo osungirako katundu. Choncho, mudzapulumutsa ndalama zabwino.