Kupulumutsa ndalama sikusowa nthawi zonse, ndipo makamaka anthu amasangalala ndi nkhaniyi pamavuto a 2020, pomwe mabizinesi ndi mabungwe ", muchepetse ntchito zazikulu.
Momwe mungaphunzirire kupulumutsa ndi kupanga chidole chachuma chamtsogolo, mu Nkhani ya 24cm.
1. Chakudya ndi zakumwa
Chakudya ndi zakumwa zopangidwa ndi zokhala ndi nthawi zonse zakhala zotsika mtengo komanso zopindulitsa kuposa mbale zodyera, chakudya chofulumira komanso zinthu zomaliza m'masitolo akuluakulu. Kupulumutsa ndalama zowoneka bwino kumachokera kwa omwe asiya dongosolo la nkhomaliro ku ofesi kapena kunyumba ndipo adzadya nawo kunyumba, ndipo amakonda "tiyi wakunyumba" kuchokera kumakina.Kuphatikiza apo, ndikofunikira kukumbukira njira ya ndalama zaluso zomwe zimayesedwa ndi amayi ndi malingaliro a mibadwo ingapo. Tikulankhula za ma billets apanyumba, omwe ndi otsika mtengo kuposa mtengo wa kugula zinthu zosakwana semi.
2. Kulephera kuyika
Zogulitsa zamakampani zomwe sizimatha kutsatsa, nthawi zambiri sizikhala zoyipa kuposa mtundu wa "wolotsedwa". Kugula zinthu "ndi dzinalo", mumapitilira logo lomwe lizindikirika ndipo adati mtundu. Nthawi yomweyo, kusiyana pakati, zamaukadaulo ndi magawo ena ndizovuta kupeza.
Izi zimagwira ntchito pazogulitsa, ukadaulo ndi ukadaulo wapadera, mankhwala ndi zinthu zina. Ngati mukufuna, mutha kupeza chinthu chofanana kapena chosaposa.
3. Kukana kutenga nawo mbali "magawo"
Otsatsa amadziwa momwe angakope chidwi cha wogula ndikupangitsa munthu kupeza "malonda osafunikira". Anthu ambiri amadziwa kuti zoperekazo mwa mawonekedwe a "3 pamtengo wa 2" kapena "Kuchotsera kwa 40%" kumapangitsa chinyengo, koma nthawi zambiri alendo amasitolo sakanatha kuthana ndi mayeserowo .Pofuna kusunga ndalama kuti zitheke, musatengere zofananira "ndikupeza zomwe zingafunike posachedwa.
4. Kugula zovala "osati nyengo"
Komabe, pali zochitika ngati kukwezana kungapulumutse, ngati tikulankhula za malonda ogulitsa nyengo ndi nsapato. Masitolo ndi makampani a Brand "amachotsa" kuchokera kwa osungirako zosonkhanitsa, amapanga ndalama zambiri.
Zachidziwikire, chisankho pamenepa chidzakhala chochepa ndipo m'sitolo sichingakhale kukula, koma ngati muli ndi mwayi, mupeza chinthu chapamwamba kwambiri pamtengo wotsika mtengo. Musanagule, ndibwino kuganiza ngati mukufuna jekete lachitatu kapena magawo ena osenda.
5. Kupereka ku banki
Ndalama zosungitsa zimatanthawuza kupangidwa kwa ndalama, zomwe zimasindikizidwa nthawi zonse. Kuchokera pamalipiro aliwonse, kuchedwetsa gawo laling'ono kapena lokhazikika. Kugwiritsa ntchito ndalama zowonjezera zovomerezeka m'malo osazindikira kapena mwadzidzidzi.Ndalama ndi bwino kuvala akaunti yakubanki, motero mudzalandiranso chiwongola dzanja. Kuphatikiza apo - sipadzakhala koyesa kugwiritsa ntchito ndalama zambiri pakhumba.
6. Kukana pagalimoto ndi ma taxi
Ngati mungaganizire mtengo womwe galimoto yanu imafuna, imamveka bwino kuti ndalama zingawapulumutse ndalama zanji zomwe zingawononge nkhani iyi. Mafuta, kuyang'ana maluso, kusinthidwa kwa magawo, inshuwaransi, udzu m'misewu yochotsa "mkango" wa bajeti yabanja. Izi zimaphatikizaponso maulendo okhazikika kwa taxi, makamaka pazochitika komanso mtunda waufupi.
Bwezeretsani njira yoyendetsera mzindawo, ngati muli ndi nthawi ndi zinthu - zambiri pitani pa phazi kapena kugula njinga. Ndikofunika kukhala wathanzi, komanso zopindulitsa ndalama.
7. Maofesi am'manja olipira
Mu 2020, matekinoloje ambiri apangidwa kuti moyo wa mzinda wapakati ukhale. Kugwiritsa ntchito mafoni kupulumutsa ndalama pa smartphone kudzathandiza kuwongolera ndalama, kukonzekera kugula, jambulani mindandanda yopeza banja.