Njira Zanzeru Zogwiritsira Ntchito Malire a Khadi Lanu la Ngongole
Makhadi a ngongole nthawi zambiri amaonedwa ngati "lupanga lakuthwa konsekonse." Kumbali imodzi, amathandiza kugulitsa zinthu, amapereka mwayi wopeza ndalama mosavuta, komanso amapereka zotsatsa zosiyanasiyana. Kumbali ina, kugwiritsa ntchito mopanda nzeru kungayambitse kukwera kwa mabilu, chiwongola dzanja chokwera, komanso mavuto azachuma. Chofunika sikukhala ndi khadi la ngongole yokha; ndikumvetsetsa momwe mungagwiritsire ntchito mwanzeru malire a khadi lanu la ngongole kuti mukhale otetezeka, opindulitsa, komanso opindulitsa.
Kumvetsetsa tanthauzo la malire a khadi la ngongole
Malire a khadi la ngongole ndi ndalama zomwe mungagwiritse ntchito pochita malonda pogwiritsa ntchito khadi lanu la ngongole. Mwachitsanzo, ngati malire anu ndi Rp10.000.000, ndalama zonse zomwe sizinalipidwe sizingapitirire ndalamazo. Malire awa si ndalama zowonjezera, koma ngongole ya nthawi yochepa yochokera ku banki yomwe imayendetsedwa bwino ngati chida cholipirira, osati gwero la ndalama zatsopano.
Kuwonjezera pa malire onse, mabanki ena amagwiritsanso ntchito malire enaake, monga ndalama zolipirira, magawo, kapena zochitika zapadziko lonse lapansi. Kumvetsetsa njira zolipirira izi kungakuthandizeni kupewa kukana zochitika kapena ndalama zina zosafunikira.
Ikani patsogolo chiŵerengero chabwino cha kugwiritsa ntchito
Chimodzi mwa mfundo zofunika kwambiri ndichakuti chiŵerengero cha kagwiritsidwe ntchito ka ngongole yanu chikhale chotsika. Njira yodziwika bwino ndikugwiritsa ntchito malire okwana 30% a malire anu nthawi iliyonse yolipira. Ngati malire anu ndi Rp10.000.000, yesani kugwiritsa ntchito osapitirira Rp3.000.000 nthawi imodzi, pokhapokha ngati muli ndi vuto ladzidzidzi ndipo mungathe kulilipira.
Chifukwa chiyani 30%? Chifukwa chakuti malire ogwiritsira ntchito ndi okwera, chiopsezo chimakhala chachikulu:
1. Mukuvutika kulipira bilu yonse.
2. Chiwerengero chanu cha ngongole (monga momwe zayesedwera mu dongosolo la banki) chikhoza kukhudzidwa ndi vuto.
3. Muli ndi mwayi waukulu wogwera mu kachitidwe ka "kukumba dzenje ndikuphimba dzenje".
Chiŵerengero chochepa chimapereka malo otetezeka ngati pakufunika zinthu zosayembekezereka.
Lipirani zonse, osati ndalama zochepa
Kulipira ndalama zochepa kungakupulumutseni kuti musachedwe kulipira, koma si njira yabwino yopezera ndalama. Mukangolipira ndalama zochepa, ndalama zotsalazo zimawonjezera chiwongola dzanja, ndipo ngongole yanu imatha kukula mwachangu. Njira yanzeru yogwiritsira ntchito malire a khadi lanu la ngongole ndikugwiritsa ntchito ngati chida chogulitsira polipira mwezi uliwonse.
Ngati mwakakamizidwa kuti muphonye malipiro onse, pangani dongosolo lomveka bwino lobwezera, monga mkati mwa miyezi 2-3, ndipo muyimitse kwakanthawi zochitika zatsopano mpaka ndalama zomwe mwatsala nazo zitabwerera mwakale. Mukatseka ndalamazo mwachangu, chiwongola dzanja chanu chidzachepa.
Gwiritsani ntchito malire kuti muyang'anire ndalama zomwe mumapeza, osati kugwiritsa ntchito zinthu mopupuluma.
Malire a khadi la ngongole angathandize ngati chida choyendetsera ndalama, mwachitsanzo pa:
- Lipirani zosowa zomwe zilipo kale (osati kuwonjezera zosowa zatsopano).
- Kukonza tsiku lolipira ndi masiku olipira bilu.
- Zochitika zadzidzidzi zomwe sizingachedwetsedwe.
Komabe, makhadi a ngongole akhoza kukhala oopsa akagwiritsidwa ntchito pogula zinthu mopupuluma: kugula zinthu zochotsera, kutsatira zomwe zikuchitika, kapena kugula zinthu zomwe simungakwanitse. Njira yanzeru ndiyo kupanga malamulo anu, monga: "Makhadi a ngongole ndi ongogwiritsa ntchito pamwezi, mayendedwe, ndi zinthu zomwe zakonzedwa kale."
Malire osiyana pa zosowa zosiyanasiyana
Kuti mulamulire bwino, mutha "kugawa" malire anu m'maganizo (kapena kudzera mu bajeti). Mwachitsanzo, kuyambira pa malire a Rp10.000.000:
– Rp. 3.000.000 pa zosowa za tsiku ndi tsiku (chakudya, mafuta, zolembetsa).
– Rp. 2.000.000 pa zadzidzidzi.
– Rp0–Rp2.000.000 pa ndalama zomwe zakonzedwa (monga kugula zinthu zogwirira ntchito).
- Yotsalayo imagwiritsidwa ntchito ngati chotetezera kuti chiŵerengero chogwiritsidwa ntchito chikhale chathanzi.
Mwanjira imeneyi, simudzalephera kukwanitsa malire anu chifukwa choti mukumva kuti akadali "opezeka."
Gwiritsani ntchito magawo a 0% mosankha
Kulipira pang'onopang'ono kwa 0% kungakhale kopindulitsa ngati kuli kwaulere ndipo muli ndi khalidwe labwino. Mfundo yaikulu ndi yakuti: kulipira pang'onopang'ono kuyenera kugwiritsidwa ntchito pogula zinthu zofunika kapena zofunika, monga laputopu yantchito, zida zapakhomo zofunika mwachangu, kapena ndalama zolipirira maphunziro. Pewani kulipira pang'onopang'ono pazinthu zomwe zimatsika mtengo mwachangu kapena zomwe zimangogwiritsidwa ntchito kokha.
Musanatenge ndalama zolipirira, onani:
1. Kodi ndi zoona kuti ndi 0% kapena pali ndalama zolipirira woyang'anira?
2. Kodi kuchepetsa ndalama pang'onopang'ono (nthawi zambiri inde).
3. Kodi mumathabe kulipira mabilu ena a tsiku ndi tsiku mwezi uliwonse?
Ngakhale kuti ndi 0%, kuchepetsa ndalama zomwe mumalipira kumachepetsa kusinthasintha kwanu.
Pewani kuchotsa ndalama kuchokera ku makadi a ngongole
Ndalama zolipirira ngongole nthawi zambiri zimakhala ndi ndalama zambiri komanso chiwongola dzanja—nthawi zambiri mukangomaliza kugulitsa. Izi zitha kuchepetsa ndalama zomwe mumalipira ndikuwonjezera ndalama. Njira yanzeru yogwiritsira ntchito ndalama zolipirira ngongole ndikugwiritsa ntchito ndalama zolipirira ngongole kukhala njira yomaliza pakagwa ngozi, osati chizolowezi.
Ngati nthawi zambiri mumakhala ndi ndalama zochepa, ndi bwino kuwunika bajeti yanu ya mwezi uliwonse kapena kukonzekera ndalama zina zadzidzidzi.
Konzani masiku a malonda ndi kumvetsetsa nthawi yolipira
Makhadi a ngongole ali ndi nthawi yolipira komanso masiku olipira. Mukamvetsetsa tsiku lolipira, mutha kukonza nthawi yochitira zinthu kuti mudzipatse nthawi yayitali musanalipire. Mwachitsanzo, ngati bilu yanu imasindikizidwa mwezi uliwonse pa 25, ndalama zambiri pa 26 zingakupatseni pafupifupi mwezi wathunthu bilu yanu yotsatira isanafike.
Komabe, njira iyi ndi yothandiza pokhapokha ngati mukufunadi kulipira zonse. Apo ayi, mukungochedwetsa vutoli.
Yambitsani zikumbutso ndikuyang'anira zochitika nthawi zonse
Luntha la zachuma silimangokhudza cholinga chokha, komanso machitidwe. Gwiritsani ntchito pulogalamu ya banki yam'manja kapena pulogalamu yoyang'anira ndalama kuti:
- Yambitsani zidziwitso za malonda nthawi yeniyeni.
- Onani malire otsala a sabata iliyonse.
- Onani zochitika zokayikitsa.
- Onetsetsani kuti simukupitirira bajeti.
Mukayang'anitsitsa nthawi zonse, mutha kusintha mwachangu momwe mumagwiritsira ntchito ndalama zanu musanayambe kukwera ma bilu.
Onjezani malire pokhapokha ngati pakufunika kutero komanso ngati mwakonzeka pazachuma.
Anthu ambiri amaona kuti kukweza malire ndi "kukweza," koma kukweza malire kumatanthauzanso kuti ngongoleyo ingakhalepo yambiri. Pemphani kuti kukweza malire kokha ngati:
- Ndalama zokhazikika komanso zowonjezeka.
- Muli ndi mbiri yolipira zonse komanso pa nthawi yake.
- Mukufunika malire akuluakulu pa zochitika zina (monga maulendo a bizinesi kapena kugula zinthu kuntchito).
Ngati cholinga chowonjezera malire ndikungogwiritsa ntchito ndalama zambiri, ndibwino kudikira pang'ono.
Pezani zabwino zambiri: mphotho, kubweza ndalama, ndi kukwezedwa pantchito ndi chilango
Malire a khadi la ngongole akhoza kukhala chida chopindulitsa ngati mugwiritsa ntchito khadiyo pokonzekera zochitika ndikusangalala ndi mphothozo. Mwachitsanzo:
- Sinthani malipiro achizolowezi (magetsi, intaneti, kugula zinthu pamwezi) kupita ku khadi la ngongole kuti musonkhanitse mapointi.
- Gwiritsani ntchito zotsatsa zamalesitilanti kapena zogulira zinthu pokhapokha ngati chinthucho chikufunikiradi.
- Sankhani khadi lomwe likugwirizana ndi moyo wanu, osati kungotsatira khamu la anthu.
Kumbukirani, mphothoyo sidzaphimba kutayika kwa chiwongola dzanja ngati simulipira zonse.
Pomaliza: Malire ndi zida, osati misampha.
Njira yanzeru yogwiritsira ntchito malire a khadi lanu la ngongole ndikugwiritsa ntchito ngati chida, osati chifukwa chokweza moyo wanu. Sungani ndalama zanu pamalo otetezeka, lipirani zonse mwezi uliwonse, pewani kuchotsa ndalama, ndikugwiritsa ntchito zotsatsa mwanzeru. Ndi chilango, malire a khadi lanu la ngongole akhoza kukhala bwenzi, kuthandizira zochitika ndikupereka maubwino ena. Popanda chilango, malire anu akhoza kukhala katundu wosokoneza kukhazikika kwanu pazachuma.
Ngati mukufuna, ndingakuthandizeni kupanga mtundu wina wa nkhaniyi: kwa ophunzira, antchito atsopano, mabanja achichepere, kapena eni mabizinesi, ndi zitsanzo za bajeti komanso zoyeserera zochepa zogwiritsira ntchito.
