Kupanga bajeti ya banja

Aliyense amadziwa kuti ndalama zimakonda kulemba. Ndikofunika kwambiri kuti mutha kupulumutsa komanso kudziletsa nokha, komanso kungokonza bajetiyo. Poyamba, izi zikuwoneka ngati ntchito yosavuta: kubwezera ndalama zina, kupanga ndondomeko yogwiritsira ntchito ndalama zake, osapatukira pa ndondomekoyi. N'zosavuta kuti musamawononge ndalama zanu, ngati mumakhala nokha, kukonza bajeti pamafunika khama komanso nthawi.

Kotero, musanayambe ntchito yogawira bajetiyo mokwanira kubwezera ngongole, kulipira ngongole, chakudya, kugula zovala zakunja ndi zipangizo zam'nyumba, ndikukhalabe pa "tsiku lamvula." Vomerezani, ndizovuta kukumbukira ntchito zonsezi komanso kugwiritsa ntchito ndalama moyenera.

Kupanga bajeti ya banja ndi chinthu chofunikira, chomwe chimafuna njira yolondola. Apo ayi, popanda kulamulira bwino, ndalama zikhoza kugwiritsidwa ntchito pa zinthu zomwe simukufunikira kwenikweni, zosangalatsa ndi kugula zopanda nzeru. Pankhaniyi, simungagule chinthu chofunikira kwambiri.

Masiku ano, pali mapulogalamu ambiri a pakompyuta omwe amakuthandizani kukonzekera bajeti yanu mofulumira komanso mosavuta. Mwachitsanzo, "Accounting Home". Pulogalamuyi idzachita zolakwika pazomwe zilipo. Mothandizidwa ndi ndalama zamakono zamakono kuti muthe kuyang'anira ngongole, muwone zotsatirapo kwa nthawi inayake, musunge zolembera za ndalama ndi ndalama, konzani ndalama zogulira ngongole, ndi zina zotero.

Malinga ndi kafukufuku wa asayansi a ku America, ndalama zambiri zimagwiritsidwa ntchito pa chakudya, ndi chakudya cha 30% kuchokera firiji yanu yomwe yatumizidwa ku zinyalala. Izi ndi chifukwa chakuti mabanja omwe amagula chakudya kwa sabata alibe nthawi yoti adye chilichonse komanso katundu amawononga. Ndichifukwa chake kukonza chakudya kwa sabata kwa banja lalikulu ndikofunikira. Wansembe aliyense akumbukira zomwe anagula ndi chifukwa chake.

Gulu la bajeti, lomwe kukonzekera kwake kumagwera pamapewa a mkazi, kumafuna kuwerengetsa kwakukulu ndi kusamala kwambiri. Nthawi zina anthu samadziwa momwe amagwiritsira ntchito ndalama zambiri pazinthu monga mankhwala, zodzoladzola, zopangidwa kuchokera ku masitolo akuluakulu. Kupanga bajeti kumafuna maganizo ozizira ndi kulingalira masamu. Musanyalanyaze zinthu zochepazo, muiwale za ndalama zomwe mumagwiritsa ntchito monga kupita ku cinema, cafe, kugula magazini ofunika kwambiri, ndi zina zotero. Mabanja olemera kwambiri akhala akupeza mafakitale ndi zakudya pa malo osungiramo katundu, kotero mukhoza kusunga ndalama zokwana 50%.

Komanso tiyenera kutchula kuti nthawi zambiri timagula katundu wogulitsidwa ndi malonda. Mukawona izi kapena katundu wanu pa TV kapena pa intaneti, mumathawira kumalo osungirako zinthu zachilendo. Ndipo chiwonongeko chofunika kwambiri cha amayi onse ndi malonda a nyengo, pamene nsapato zonse zimaiwala kuti zimayang'anira bajeti ya banja, ndikuyamba zolemera zonse.

Ngati simukungodziwa zokonzekera bajeti yaumulungu, komanso kuphunzira momwe mungapulumutsire, kumbukirani malamulo angapo osavuta:

• Perekani ngongole zanu kwa anzanu ndi mabwenzi anu, musamabwereke ndalama;
• Kuwononga makhadi onse a ngongole omwe alibe malire;
• Gawo lapadera la malipiro (mpaka 20%);
• Gawani bajeti kotero kuti 50% mungagwiritse ntchito ndalama zowonjezera, 30% pa zinthu zomwe mumazifuna ndi zosangalatsa, 20% kulipira ngongole, kusunga.

Pofuna kuti ntchito yanu ikhale yophweka, mukhoza kupanga ma envulopu angapo, zomwe mukufuna kudziwa momwe ndalamazo zilili. Mwachitsanzo, envelopu yoyamba imapangidwira zosowa za munthu, yachiwiri pazofunika zowonjezera (zofunikira, ngongole, intaneti, telefoni, etc.), lachitatu la ndalama zomwe simunkaziyembekezerepo, gawo lachinayi la ndalama zomwe mumafuna (zovala, zosangalatsa), ndi zina zotero. .

Kukonza bajeti ya banja sikokusangalatsa kwambiri, koma n'kofunika. Ngati mukufuna kuti banja lanu likhale ndi ndalama nthawi zonse, ndipo simungathe kudzikana nokha, mukufunikira dongosolo.