Momwe mungakope ndalama kunyumba - zizindikiro za anthu

Pali zinthu zambiri zosiyanasiyana zosiyanasiyana zodziwika bwino pankhani ya moyo wachuma. Koma, monga mukudziwa, zatsopano zonse zayikidwa bwino, motero sizingakhale zoposa kumvetsera zikhulupiriro zofananira zomwe tidakumana ndi ife ochokera kwa makolo akutali. Momwe mungakope ndalama ku nyumba ya zizindikiro, tidzafotokozedwa mwatsatanetsatane m'mabuku awa mwatsatanetsatane.

Zizindikiro zokukopa ndalama ndi zabwino zonse

Ngati mukufuna kukopa zabwino zonse kunyumba kwanu, onetsetsani kuti mukumvera zizindikiro zotsatirazi:

• Onetsetsani kuti mwapereka gawo limodzi mwa magawo khumi a ndalama zanu zachifundo - Perekani osauka, kugawa mally, ndalama ndalama zimabwereranso kwa inu modabwitsa;
• Valani pakhomo la ndalama imodzi yasiliva, Ndipo nthawi iliyonse mukalowa m'nyumba, nenani mawu akuti: "Ndipita kunyumba, ndipo ndalama ndizinditsatira."
• Ngati mukufuna kukopa ndalama kwa inu, Pangani misomali ya maninjidwe ndi misomali Lachisanu Lachisanu ndi Lachiwiri;
• Gwiritsani ntchito mini-miniti: Usiku usanakondwere Khrisimasi, perekani matchalitchi ndalama zilizonse Mukamatchula chiwembu chotsatirachi: "Yemwe mpingo si mayi, sindine Atate." Pambuyo pa kupusitsa kumeneku, ndalama zidzayamba kwa inu kuchokera kumadera osayembekezeka;
• Ndalama zimakopa pang'ono mafuta patchel Mwa izi muyenera kutenga ndalama zotengera makalata a oyambitsa anu, ikani chida ichi ndipo nthawi zonse muzikhala m'chikwama monga talisn - idzapereka kuchuluka kwa ndalama kwa inu;
• Mchimimba wina: Kwa mwezi watsopano muyenera kuwonetsa ndalama (ndalama kapena bilu) ndi mwezi wachichepere Nthawi yomweyo, mawu awa ndi awa: "Pamwezi pamwezi, ndalama zanga zimawonjezedwa."

Zizindikiro zopulumutsa ndalama

Tsopano tapeza momwe tingapewere ndalama kunyumba kwanu. Tsopano tikukubweretserani zikhulupiriro za anthu kuti zisunge bwino:

• muyenera kugula banki ya nkhumba ndikuyika ndalama zazing'ono tsiku lililonse tsiku lililonse , pomwe mukulakalaka zabwino zamalingaliro ndi kupambana;
• Osasunga ndalama powala - Sakonda. Bisani ndalama m'malo obisika;
• Osatengera zinyalala kuchokera kunyumba madzulo - Imafota ndi kuba kuba, kutaya mwayi;
• sayenera kuperekedwa kapena kutenga mbale yopanda kanthu - Ikani osachepera (maswiti, kagawo ka buledi), ndiye kuti kufooka nthawi zonse kumakhala kukhala kwanu;
• Osabalalitsa ndalama zozungulira nyumbayo - Awasungeni pamalo amodzi;
• Dzuwa litapita, ndizosatheka kubwezera chilichonse kwa aliyense, ngakhale anthu oyandikira kwambiri;
• Ndikosatheka kuzunguza m'nyumba mwanu - kotero mutha kupukusa phindu lililonse;
• Ngati mungaganizire za ndalama, muyenera kunena kuti: "Ndikakhala ndakhala ndikukula";
• Mukapereka chisamaliro cha osauka Kunong'ona NAYE: "Dzanja Lopereka Kupereka", ndi kufuula uku, musayang'ane m'maso mwa munthu amene amadzibwereka;
• Simungathe kutumiza mu mawonekedwe a zong'ambika, zoponderezedwa kapena zonyansa - Osamawakhudza ngakhale nthawi yomweyo kuti asinthe;
• sindingathe kuyimirira pakhomo Chifukwa chake kukhala zabwino komanso mwayi sikudzasunthika ";
• Osayika ndalama kapena mpeni wa usiku wa tebulo lodyera - Zimatha kuputa mavuto ndi kutayika kosiyanasiyana.

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Odziwa tonsefe Ndalama Zindapusa Palibenso tanthauzo la tanthauzo lamatsenga. Ngati mumukhulupirira, muyenera kuwerengera ndalama katatu patsiku, ndipo Lachisanu - ndalama zolipirira zazikulu. Ndipo zonse zomwe zikupezeka ndalama - kawiri pamwezi musanalowedza ngakhale manambala. Ndalama zikapita kuchikwama chanu, amafunikira kubwereranso ndikusiya kugona m'nyumba, koma pambuyo pake zitakhala zovomerezeka.

Ndikosatheka kusiya magalasi odetsa munyumba yake, mawindo ndi mawonekedwe ena kuchokera pagalasi, chifukwa limalepheretsa mphamvu yabwino yofooka komanso zabwino zonse kwa inu.

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Chifukwa cha zizindikiro za nthano, mutha kuphunzira momwe mungakope ndalama m'moyo wanu, ndipo mothandizidwa ndi mikata, ndipo zimadziwika kuti ndalama zimakopeka bwanji pa chipilala chobisika, chobisika. Ndikofunika kuphunzira pasanthu mosamala mutuwu ngati mukufunadi kuwonetsa ndalama m'dziko lamakono.

Simungalole malingaliro olakwika pa ndalama, komanso za anthu omwe ali nawo. Imwani malingaliro omwe ndalama zinali zoyipa ndipo kuti anthu onse otetezeka ndi adyera, abodza, oyipa. Ndi kukhazikitsa koipa kumene m'maganizo kumakulepheretsani kukwaniritsa chuma.

Ndalama ndi mphamvu zomwe ziyenera kufalitsidwa, musalole kusada kwake, osadziunjikira m'nyumba zazikulu. Zikhala zolondola kwambiri kuti mupange akaunti kubanki kapena kuyika ndalama zina.

Komanso, sikofunikira kutsatira malamulo awa:

1. Tikamawononga ndalama, nthawi zonse pamaganizidwe chifukwa cha zomwe mumabweza Chilichonse chomwe chiri - chakudya, zovala kapena zolipirira.
2. Mphamvu za ndalama zimalumikizidwa mosavuta ndi mphamvu ya chisangalalo ndi chisangalalo, Mukapeza ndalama, sangalalani nthawi zonse.
3. Osadandaula ndalama pa malangizo - Ndikhulupirireni, ndalama zochotsa ndalama zimabwereranso kwa inu kukula kwa katatu.
4. Sonyezani chikondi pa ndalama , Apatseni chisamaliro, mugule chikwama chokongola kwa iwo, komanso kulumikizana nawo mosamala. Koma nthawi yomweyo, musawatumikire.
5. Yeretsani malo anu okhala mnyumba Kuwonetsetsa kuchuluka kwa zinthu zakuthupi.
6. Nthawi zonse sesa nyumbayo yakumapeto kwa chipindacho , Musachotsenso malo okhala dzuwa litalowa.
7. Gwiritsani ntchito tsache limodzi lokha kunyumba kwanu (chosiyana amatha kufalikira ndi kutukuka mbali zosiyanasiyana).
8. Ikani tsache la nyumbayo Darling - Zimakopa chuma.
9. Mlendo akachoka kunyumba kapena wina m'banjamo, Osasesa mpaka atagwera komwe akupita - musakhale ndi zinyalala zonse zimuuluka.

Makolo athu amatsatira mosamala kwambiri izi ndi kukhulupilira, komanso anasonkhanitsa ndikupita ku m'badwo wotsatirawo - ndiye kuti. Kuti muwakhulupirire kuti ndi - motsimikizika, ntchito yanu yokha, koma pazomwe amachita, simungakaikire.