Mtengo wa Kumanga
Kuti pakhale mgwirizano uliwonse kuti zinthu ziyendere bwino, kasitomala ayenera kuona kufunika kwa zomwe mukugulitsa. Ngati awona mtengo wamtengo wapatali, mtengo sukutanthauza kanthu ndipo palibe kukambirana kudzakuthandizani kutsegula malondawo. Kupanga phindu kumatanthawuza kupanga kapena kutulukira mtengo wa zomwe mumagwiritsa ntchito m'maganizo a kasitomala anu. Mukamagwiritsa ntchito kwambiri komanso mumagwiritsa ntchito kwambiri makasitomala anu, mtengo wochepa wa umwini umakhala wochepa kwambiri.
Kuyambira Kuyankhulana
Zokambirana zimayamba pamene kasitomala ali ndi mtengo wotsimikiziridwa wogwiritsidwa ntchito ku mankhwala anu ndipo akufanizira kufunika kwake kwa mtengo wopempha. Ngati mtengo womwe ukuwoneka uli wapamwamba kuposa wopempha mtengo, kugulitsa kumapangidwa. Ngati, ngakhale kuti kufunika kwake kuli kochepa kusiyana ndi mtengo wopempha, nthawi yokambirana imayambira.
Ndikofunika kuzindikira zinthu zingapo zokhudza wogula anu kuti ndizofunika komanso momwe zimakhudzira zokambirana. Kutumikira monga chitsanzo, tiyeni tinene kuti ndinu Agent Real Estate ndipo mukuwonetsa nyumba kwa wogula.
Ngati wogula, atangoyendayenda pakhomo, akuwona kuti nyumbayi ndi yamtengo wapatali madola 200,000, mwayi wanu wogulitsa ndi wamtengo wapatali ngati mtengowu uli pansi pa $ 200,000.
Ngati pempho lanu likuposa $ 200,000, wogula akhoza kukhala okonzeka kukambirana kuposa ngati mtengo wake ndi $ 300,000.
Ngati pali dera lamtunda pakati pa mtengo wapatali ndi kufunsa mtengo, kasitomala mwina sakufuna kukambirana.
Koma, ngati mtengo wofunsirawo uli wochepa kwambiri kusiyana ndi momwe umalingalira, wogula angaganize kuti waphonya chinachake chosasangalatsa mufupikitsa chake ndipo zidzakhala zomveka ponena za kupita patsogolo. Pamene mukupempha mtengo wapatali ndikuwona kuti ndikofunika, ndibwino kuti mukambirane.
Kuzindikira Mtengo Woganizira Wotsatsa Wako
Amakono lero akudziwitsidwa bwino kwambiri kuti adziwitseni wogulitsa malonda mwaufulu zimene angakonde kulipira kwa mankhwala enaake. Iwo ali ofunitsitsa, komabe, kugawa bajeti yawo. Kufunsa kasitomala amene akuganiza kuti agula zomwe bajeti zawo zidzakupatseni ogulitsa malonda kuti aziwombera.
Funso ili "bajeti" limagwiritsidwa ntchito nthawi zambiri pogulitsa magalimoto monga akatswiri amalonda amafunsa omwe angaguleko ndalama zomwe akufuna kuti azilipira mwezi uliwonse. Nthawi zambiri, mwa njira, wogula angayankhe ndi "Sindifuna kulipira X kuposa mwezi." Chilichonse chomwe amapereka chiyenera kukhala chiyambi chokambirana.
Lonjezerani Phindu Lofunika
Ngati mtengo wanu wopempha uli pansi kapena pansi pa mtengo wa wogulayo, cholinga chanu chiyenera kukhala chotsirizira pa kutseka malonda osati pazokambirana.
Ngati mtengo wanu wopempha uli wapamwamba kwambiri kusiyana ndi mtengo wapatali, muli ndi njira ziwiri: Choyamba, mukhoza kuchepetsa mtengo wanu wopempha. Izi sizingakhale zosankha ndipo ndithudi osati zomwe muyenera kukhala mukukonzekera. Kutsika mtengo wanu mwachangu ndi njira yabwino yotaya phindu lalikulu ndikusandutsa mankhwala anu kukhala chinthu chofunika.
Njira yachiwiri ndiyokulitsa makasitomala anu kuti awononge mtengo wanu wa mankhwala. Kuyesera kukambirana ndi kasitomala yemwe mtengo wake wapatali ndi wochepa kuposa momwe mtengo wanu wopempha umayambira ndi kubwereza phindu lonse lomwe mankhwala anu apereka kwa makasitomala anu.
Kuchita izi sikudzangokumbutsa wanu kasitomala za ubwino wa mankhwala anu komanso kukupatsani mwayi wotsimikizira kuti kasitomala anu akudziwa phindu lonse. Mwina mwinamwake wogula wanu sanaganizirepo kanthu kena ka mankhwala anu omwe angakhale opindulitsa.
Kamodzi phindu lowonjezeredwa likuwonjezeredwa, chiwerengero chowoneka chikuwonjezeka. Zopindulitsa kwambiri, ndizofunika kwambiri.