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Ukwati ndi ndalama sizigwirizana. Ndi nkhani yomwe muyenera kukambirana nthawi ina kapena ina mukamadzakwatirana. Mukamafulumira kufotokoza nkhaniyi ndi bwino kwa inu. Tikakhala pachibwenzi, ndalama sizimabwera ngati vuto kumangokhalira kukangana chifukwa simugawana zomwe mumagwiritsa ntchito tsiku ndi tsiku. Kukhala pansi pa denga limodzi ndikuyamba banja lanu ndiye chiyambi cha mavuto azachuma m'banja. Sadzaperekanso kukulandirani ngongole ndipo iye sadzasunganso ndalama kuti akupatseni wotchi yodula. Kugwira ntchito tsiku ndi tsiku muukwati kumapangitsa ndalama kukhala chowonadi choipa.Ngati mukukumana ndi mavuto aukwati chifukwa cha ndalama ndiye kuti ndizabwinobwino. Muyenera kumvetsetsa chifukwa chake ndalama muukwati ndi fupa lokangana ndiye kuti mudzathetsa mavutowo nokha.
Chifukwa Ndalama Muukwati Ndi Ubwenzi Nkhani?
- Nonsenu ndinu anthu osiyana omwe mumaika ndalama zanu patsogolo. Chifukwa chake mutha kuganiza kuti kukonzanso makatani m'nyumba mwanu ndikofunikira kwambiri pomwe amuna anu amaganiza kuti kanema wawayilesi ndiyofunika kwambiri. Zomwe muyenera kuchita pano ndi kusiyanitsa 'zosowa' ndi 'kufuna'. Ngati makatani ndi okalamba komanso ong'ambika ndiye kuti m'malo mwake ndi 'chosowa'. Ngati muli ndi TV yabwino kwambiri ndiye kuti kugula yatsopano sikuli.
- Ndalama muukwati zimakhala nkhani yaubwenzi kutengera mtundu wa omwe mumagwiritsa ntchito. Ngati wina akungokhalira kuwononga ndalama ndipo winayo ali wamisala ndiye kuti mavuto aukwati ayenera kuchitika. Nonse muyenera kuchita izi kuti mukwaniritse theka la njira. Muyenera kusangalala ndi ndalama zomwe mumapeza koma ndalama zina ndizofunikira kuti mudzakhale otetezeka mtsogolo.
- Anthu okwatirana ayenera kupanga ndalama limodzi ndipo mavuto akulu azachuma m'banja amachokera pano. Ngati muli ndi akaunti yolumikizana ndipo mumataya ndalama zake mosasankha ndiye kuti mnzanuyo amakhumudwa.
- Chofunika kwambiri ndikuti mukhale ndi maakaunti anu azomwe mungagwiritse ntchito tsiku ndi tsiku ndikupanga olowa nawo pokhapokha pamagulu apadera monga ngongole zanyumba. Ndipo mukangopanga akaunti yolumikizana, simuyenera kutengapo ndalama popanda mnzanu kudziwa.
- Chonde musapite kukasinthana kirediti kadi ya amuna anu mosangalala chifukwa chodya mopitilira muyeso. Mutha kukhala osasamala ndi ndalama zanu koma osati ndalama za mnzanu. Musanawombere ndalama zake pazinthu zazing'ono kumbukirani kuti ndizopeza movutikira.
- Amuna amamva kuti nthawi zonse amadziwa bwino pankhani zachuma koma ndi nthano chabe. Simungathe kufunsa mkazi wanu momwe amawonongera ndalama zake chifukwa ndi ufulu wake kuzigwiritsa ntchito momwe angafunire.
Gwiritsani ntchito maupangiri abwinowa kuti ndalama zisakhale nkhani m'banja lanu.
