Zizolowezi zomwe mumayamba kuchita ndizo zomwe zingakutsatireni mmoyo wanu wonse. Pamene mukuyamba ntchito yanu yoyamba pambuyo pa koleji, muli ndi mwayi waukulu kupanga zosankha zomwe zingakuthandizeni kuti mupambane bwino. Malangizo omwe angakupulumutseni akhoza kukuthandizani kuti mupitirize kufunafuna ntchito yanu. Kupeza ntchito yabwino ndi mbali imodzi yokha yopanga chuma ndi kupambana. Ndikofunika kwambiri kuti muzigwiritsa ntchito ndalama zanu bwino ndikuyamba kusunga kuti zikugwiritseni ntchito. Ngakhale simukupanga ndalama zambiri, zizoloŵezizi zingakugwetseni njira yopangira chuma ndi kupambana.
01 Pulumutsani Pakhomo
Chiwombankhanga cha 02
Ngakhale kuti izi zingawoneke ngati sitepe yoonekera, ndi chinthu chimodzi chimene anthu ambiri amavutika. Kupanga chizolowezi chokonzekera ndalama zanu ndi kumamatira ku bajeti yanu kukuthandizani kuchita zambiri ndi ndalama zomwe mumapeza. Mukhoza kupanga ndalama zambiri ndipo mumatha kukhala ndi ngongole kapena mulibe pang'ono kuti musonyeze kapena simungapange zochuluka monga momwe mumaganizira. Kuphunzira kukonza bajeti ndikofunikira kuti mupange chuma chanu ndikuyendetsa ndalama zanu. Ngati simukudziwa momwe mungagwiritsire ntchito bajeti, pezani mapulogalamu a bajeti ndikuphunzira za bajeti. Kampani ya YNAB imapereka makalasi osiyanasiyana ophunzitsira aufulu omwe mungatenge kuti muthe kuyang'anira bajeti yanu. Mpingo wanu kapena banki ingaperekenso maphunziro a bajeti.
03 Khalani ndi Zolinga ndi Kupanga Ndondomeko
Zimathandiza kukhala ndi ndondomeko yomveka bwino pankhani ya chuma komanso pamene mukuyenda moyo wanu wonse. Tengani nthawi yokonza zolinga zachuma chaka chilichonse. Gawo la ndondomekoyi liyenera kuphunzira za sitepe yotsatira kuti mwakonzeka. Werengani mabuku okhudza zachuma, kujambula magazini, ndi kupita ku makalasi kuti nthawi ikadzatenge gawo lotsatira mu dongosolo lanu mwakonzeka.
04 Pewani Ngongole
Mukamaliza ntchito yanu yoyamba, lekani kugwiritsa ntchito makadi anu a ngongole. Lembetsani kuchuluka kwa ngongole imene mumatenga kuyambira pano kupita kunja. Zina kuposa kugula galimoto kapena kugula nyumba, muyenera kuyesetsa kulipira ndalama pazinthu zina zomwe mukusowa. Ngati pakali pano muli ngongole ya ngongole, ngongole zanu, kapena ngongole za ophunzira amapanga ndondomeko yomwe ingakuthandizeni kulipira ngongole mwamsanga. Ndondomeko yanu ikuthandizani kuti mukwaniritse zolingazi. Tengani kamphindi kuti muwonjezere kuchuluka kwa ndalama zomwe mumalipira ngongole mwezi uliwonse ndikudziwe zomwe mungachite ndi ndalama ngati mulibe ngongole.
05 Bwererani
Kaya ndi ndalama kapena nthawi, ikani patsogolo kuti mupeze njira yobwezera kumudzi wanu kapena dziko lonse. Pali anthu ambiri omwe akukumana ndi mavuto padziko lonse lapansi, ndipo muli ndi mwayi wopanga kusiyana. Ngati mumayambitsa chizoloŵezi chanu mudakali aang'ono, zidzakhala zophweka kupitilira kuthandizira pamene mukulamba komanso mukulimbikitsana. Mwai wodzipereka angakhale ophweka ngati akudzipereka kwa tsiku limodzi kapena awiri chaka chilichonse ku chakudya chanu chakuderako kapena zambiri monga kuchita maulendo odzipereka. Ziribe kanthu zomwe musankha, onetsetsani kuti mufufuze kuti mutsimikize kuti ndalama kapena nthawi yomwe mumapereka ndikuchita zabwino zomwe mukufuna.