Kukhazikika kwachuma m'moyo wabanja sikutheka popanda mgwirizano ndi kugawana maudindo. Ngati ana sadziwa kuti makolo awo amapeza ndalama zingati ndipo amafuna ndalama zambiri kuposa zimene angakwanitse, zimenezi zingayambitse mikangano m’banja. Ndiponso, ngati ndalama za mmodzi wa okwatiranawo zidodometsa ndondomeko ya zachuma ya nthaŵi yaitali ya mnzakeyo, zimenezi zingachititse kuziziritsa maganizo awo. Dziwani momwe udindo wogawana nawo ndalama zabanja ungakuthandizireni kupeza njira yabwino kwambiri yoyendetsera bajeti yanu.
Za Kufunika kwa Udindo Wachuma M'moyo wa Banja
Banja loyenera limakhala ngati gulu logwirizana, likukhazikitsa zolinga zachuma zanthawi yayitali ndikuwongolera moyenera bajeti yabanja. Koma zoona zake n’zakuti nthaŵi zambiri sizili bwino, chifukwa aliyense m’banjamo angakhale ndi zokonda zake zomwe zimafuna kuti awononge ndalama zambiri kuposa mmene angaganizire. Chifukwa cha zimenezi, ziŵalo zina za m’banja zingaunjike ngongole ndi kuwononga mbiri yawo ya ngongole. Inde, ngakhale mumikhalidwe yoteroyo, mungapeze payday ngongole Intaneti zoipa ngongole. Komabe, ndi bwino kupenda mosamalitsa mkhalidwe wachuma wa banja lanu ndi kuphunzira zizoloŵezi za kukhala ndi mathayo ogawana.
Kodi Udindo Wogawana Pazachuma umaphatikizapo chiyani?
Kasamalidwe kogwira mtima ka ndalama za banja kuyenera kukhala koyenera komanso kozikidwa pa kusanthula bwino ndalama ndi ndalama zogulira. Komabe, m’mabanja ambiri, kuwononga ndalama kumangochitika zokha, malingana ndi zilakolako ndi zosowa zomwe zikubwera. Yesani kusintha zizolowezi zoyipa zazachumazi ndi machitidwe otsatirawa omwe amagawana nawo.
Kukambilana Nkhani Zazachuma
Anthu ena amaganiza kuti kukambirana nkhani zachuma m’banja kumawononga maganizo. M'malo mwake, izi zimalimbikitsa kumvetsetsana kokulirapo ndi udindo pazowonongeka zilizonse. Muzikumana ndi banja lanu kumapeto kwa mwezi kuti muone mmene ndalama zanu zikuyendera, kupenda mmene ndalama zanu zikuyendera, kuphunzira pa zolakwa zanu, ndi kukonza mapulani a mwezi wotsatira.
Kupanga zisankho pamodzi
Ngati mukukonzekera kugula kwakukulu, sankhani njira inayake pamodzi ndi ena onse a m'banjamo. Ena angakonde kusunga ndalama ndi kugula njira yotsika mtengo kuti agwiritse ntchito ndalamazo pazinthu zina.
Gawani Maudindo Azachuma
Banja lililonse limayenera kulipira zinthu zina, monga kulipira mabilu, kubweza ngongole, inshuwalansi, ndi zina zotero. Musalole kuti m'banja mwanu mmodzi azilipira ndalama zonsezi. Ngakhale mungakonde kupanga bajeti padera, pangani thumba la ndalama zolipirira zinthu zotere kuti achibale onse omwe ali ndi ndalama azilipira limodzi.
Pangani Maakaunti Ogwirizana
Maakaunti ophatikizana atha kukhala chida chothandiza kulimbikitsa mgwirizano wabanja pazokhudza zachuma. Atha kukuthandizani kuthetsa ntchito zambiri zomwe zimachitika nthawi zonse m'moyo wabanja:
- Onetsani kukhulupirira aliyense m'banjamo amene ali ndi mwayi wogwiritsa ntchito akaunti;
- Perekani wina ndi mzake mwayi wopeza zina ndalama pakagwa mwadzidzidzi;
- Pangani ndalama zabanja kukhala zowonekera komanso zosavuta kusanthula pamwezi.
Muyenera Kudziwa
Kulimbikitsa moyo wabanja kuyenera kuzikidwa pachuma chaumoyo. Koma zimenezi zingatheke pokhapokha ngati aliyense m’banja akudziwa udindo wake wa zachuma ndiponso kuchita zinthu motsatira malamulo ena. Chinsinsi cha udindo wa onse awiri ndi kulankhulana momasuka komanso moona mtima pa nkhani zokhudzana ndi ndalama ndi mapulani amtsogolo. Ngati mukufuna kukhala ndi banja lotetezeka pazachuma, yambani ulendo wanu wazachuma ndi bajeti ndikugawana maudindo.
Siyani Mumakonda