Ngongole! Kuloŵamo Kutulukamo

LOIS ndi Rick anakhala muukwati kwa chifupifupi chaka chimodzi. Mofanana ndi okwatirana achichepere ambiri, iwo anafuna zonse panthaŵi imodzi—ndipo zinali zosavuta! Malipiro pa TV anali $52 yokha pamwezi, ndipo kuwonjezapo VCR kunawonjezera malipirowo kungofika pa $78. Mipando yatsopano inali yovutako pang’ono—malipiro anali $287 pamwezi. Ndithudi, zimenezo sizinaphatikizepo makatani ndi kapeti, zimene zinakweza malipirowo ndi $46.50. Komabe kampani ya finance inawalola.

Zinthuzo zinabwera mosavuta chifukwa chakuti kusitolo analola kadi lawo langongole. Mwanjirayo kulipira kwapamwezi kunachitidwiratu pa ndalama zawo, ndipo sanafunikire kufunsira loni. Zikanakhala zopepuka ngati Rick analipiriratu galimoto yake yamaseŵera ukwati usanachitike monga mmene anafunira, koma sanakhozedi kukwaniritsa zimenezo.

Rick anaziika izo mwanjirayi: “Ndinaganiza kuti ukwati ukakhala wabwino koposa, koma ndimada nkhaŵa kwenikweni ponena za ngongole zathu mchakuti zichititsadi mantha.” Lois anavomereza ndi kuwonjezera kuti: “Zinali zosavuta kuloŵa m’ngongole. Koma kodi tidzatulukamo konse?”

Kufuna zinthu zambiri koteroku kumasonyeza chothetsa nzeru choyang’anizana ndi mabanja mamiliyoni angapo m’maiko ambiri padziko lonse. Ngoŵerengekadi amene ali okhoza kukhala ndi moyo popanda kusenza mtolo waukulu, nthaŵi zina wosakhozeka, wangongole.

Kuloŵa m’Ngongole

Kodi ndimotani mmene wina amaloŵera m’ngongole? Nzosavuta! Iko kuli njira yamoyo. Maboma, zigwirizano zamitundu, mabizinezi aang’ono, mabanja, ndi anthu mwaumwini avomereza ngongole kukhala chibadwa.

Kunyada kaŵirikaŵiri kumayambitsa ngongole. Ngongole imayambitsa kukwinjika. Kukwinjika kumatsogolera ku mavuto ena. Chotero kodi ndimotani mmene wina angakhalire m’dziko lokhoterera ku ngongole, komabe, nkusakhala m’ngongole?

Mwinamwake choyamba chofunikira kuphunzira ndicho kudziletsa kugula zinthu zosafunikira kwenikweni. Wina sangakhoze kuloŵa m’malo azachuma ambiri popanda kutengeka ndi zomamatiza zopereka maloni. Makadi angongole amapezeka mosavuta. Pamwamba pa opereka maloni mwamachenjera ndi malo aulemu oikizako ndalama, pali mamiliyoni a anthu aumbombo achipambano, amene ali m’bizinezi yogulitsa ndalama. Kwa iwo, ndalama ziri katundu—mofanana ndi zogula—ndipo ntchito yawo njozigulitsa kwa inu. Phunzirani kunena kuti AYI.

Kusamalira Ngongole

Pali njira zambiri zolongosolera mlingo wovomerezeka wa ngongole ku ndalama zolandiridwa. Koma zimenezi zimasiyana mokulira kotero kuti zambiri sizimatanthuza kanthu kwenikweni. Mwachitsanzo, akatswiri azachuma ena amalingalira kuti banja lingapatule mwaubwino 30 peresenti ya ndalama zonse amazipeza kaamba ka kulipirira nyumba. Imeneyi nkukhala ya malipiro a mortgage (kugula nyumba pachikole) yanyumba kapena lendi. Komabe, njira imeneyi singathandize kwa osauka kwambiri. Chotero njira zogwira ntchito kwa onse kaŵirikaŵiri nzovuta. Vuto lonse la kusamalira ngongole limalingaliridwa bwinopo pa muyezo waumwini.

Ngongole zina zingaloledwe, koma izi zimafuna kulingalira ndi chisamaliro chabwino. Mwachitsanzo, anthu ambiri sangagule nyumba popanda kuloŵa m’ngongole. Nkopanda pake kulingalira kuti banja liyenera kukhala m’nyumba zalendi kufikira litasunga ndalama zokwanira kugula nyumba pakashi. Mwinamwake sizidzachitika nkomwe. M’malomwake, banja lingalingalire kuti ndalama zimene likulipira ku lendi zingasinthidwe kukhala kulipirira mortgage ya nyumba. Ngakhale kuti kakonzedwe kameneka kangatenge zaka zambiri, amati nkothandiza kwambiri.

Pamene tiwona kuti mtengo wanyumba mwachiwonekere udzakwera m’kupita kwa nthaŵi, nzowonanso kuti pamene malipiro a mortgage angakwere kuposa lendi yapamwezi, banjalo lingakhalebe bwinopo popeza kuti malipirowo amapanga kulinganiza, mwakulipirira mtengo wanyumba kuchotsapo zowonongedwa zake. Mortgage yanyumba pa mtengo wabwino, ndi malipiro okhozeka, ingakhale ngongole yovomerezedwa. Izinso zinganenedwe ponena za zogula zina zabanja, zazikulu zofunikira.

Mitundu ina yangongole ingakhale yosavomerezedwa mpang’ono pomwe. Kusamalira ngongole kumaphatikizapo kukhoza kudzimana. Mwinamwake lamulo labwino koposa ndiiri: Musagule chimene simuchifunikira ndipo simungachithe. Pewani kugula kwansontho. Ngakhale ngati chinachake nchotsika mtengo ndi theka, sichotsika mtengo kwa inu ngati simungachithe. Musakongolere zinthu zosangulutsa. Musatenge maulendo atchuthi pokhapo ngati mungakhoze kulipira musanapite. Chirichonse chimene mungagule chiyenera kulipiridwa mwamsanga kapena pambuyo pake. Makadi angongole ngothandiza kupewa kuyenda ndi ndalama komabe ngodula kwambiri pamene agwiritsiridwa ntchito monga njira yokongolera ndalama.

Kutulukamo m’Ngongole

Anthu ena angalingalire kuti chilangizo pa kusamalira ngongole nchochedwa kwa iwo. ‘Ndiri kale mkati mwenimweni mwa ngongole zazikulu ndi zochita. Nanga ndingatulukemo bwanji?’ Nsonga ndiyakuti simunachedwe konse kotero kuti simungayambe.

Sitepi loyamba liyenera kukhala kukhazikitsa unansi wogwiritsira ntchito banki yotchuka. Ngati mwafuna kukongola, uku ndikumene mwachiwonekere mungapeze chiwongola dzanja chabwino koposa. Ngati banki yanu ikana kukupatsani loni, mwinamwake ikukuchitirani ubwino. Kumbukirani, iyo iri m’bizinezi yokongoletsa ndalama ndipo idzakukongoletsani ngati ikupeza kukhala koyenera.

Chachiŵiri, muyenera kuyamba kubweza ngongole mwanjira yolinganizika. Sonyezani pa pepala, ndalama zaumwini zimene mukuyembekezera kulandira pa miyezi 24 yotsatira. Khalani wowona. Phatikizanipo ndalama zochepa zirizonse zimene muyembekezera kukhala nazo. Kenaka ndandalitsani zirizonse zimene ziyenera kulipiridwa. Phatikizanipo ndalama zapadera kaamba ka zinthu zimene simungazilingalire pakalipano. Ndandalitsani ngongole mwa dongosolo la zofunika choyamba. Kenaka gaŵani ndalama zanu molinganiza kotero kuti ngongole iriyonse ilandireko malipiro. Khazikitsani deti lobwezera ngongole iriyonse.

M’chigwirizano ndi kakonzedwe kameneka, lingalirani kumene mungachepetse mitengo. Kuchepetsa ngongole nthaŵi zonse kumafuna kudzimana. Kodi malipiro a zogula zam’nyumba angachepetsedwe mwa kugula zotsika mtengo? Kodi nzotsika mtengo zotani zimene zingagwiritsiridwe ntchito m’malo mwa zina m’makonzedwe a zakudya? Kodi matchuthi angachepetsedwe? Kodi muyezo wa kakhalidwe ka umoyo wanu ungatsitsidwe? Kodi mungasangalale ndi zinthu zanu zosangulutsa mwakamodzikamodzi? Nthaŵi zina timangoyenera kudziumira mtima. Zogula zina zingachotsedwe pa danga la “zofunikira” kuikidwa pa danga la “zosangulutsa.”

Pamene mwakhala ndi pulaniyo papepala, kambitsiranani ponena za iyo ndi ofisala wanu waku banki wopereka maloni. Adzakondweretsedwa atawona kuti ndinu wofunitsitsadi. Iye angakhoze kukusonyezani mmene mungawongolere pulaniyo. Ndipo angaperekedi lingaliro la loni yokulipirirani ngongole. Ngati nditero, khalani otsimikiza kulingalira chiwongola dzanja ndi utali wanthaŵi imene ngongoleyo idzafunikira kulipiridwa. Izi kaŵirikaŵiri zidzatanthauza kumalipira pang’onopang’ono pa nyengo yaitali yanthaŵi. Koma musayesedwe kugwiritsira ntchito loni yolipirira ngongole kukongolerako ndalama zina zowonjezereka.

Kambitsiranani!

Programu yochepetsa ngongole iriyonse imafuna kukambitsirana ngati iti ikhale yachipambano. Chezerani kapena tumizirani foni munthu aliyense amene muli naye ndi ngongole. Asonyezeni pulani yanu, ngati muganiza kuti chikakhala chathandizo. Musalephere kukambitsirana nawo. Kumbukirani, iwo amafuna kudziŵa zimene mukuchita. Akhalitseni odziŵa. Chinthu chimodzi chimene wokongoletsa sangalole ndicho kukhala chete. Kukhala chete mwamsanga kumatengedwa kutanthauza kusaikako nzeru kapenadi kukana kulipira. Okongoletsa ambiri amayamba zopita kukhoti kuti apeze ndalama zawo kokha chifukwa chakuti palibe anaikako nzeru kulongosola zomwe zinkachitika.

Kodi muyenera kulingalira kukhala pansi pa lamulo la ausiwa? M’maiko ena, anthu onse ali oyenerera ku mapindu a lamulo loterolo, koma siziyenera kutengedwa mopepuka. Ngongole iri ntchito. Thayo lamakhalidwe likuloŵetsedwamo. Lamulo la usiwa liri ndi chiyambukiro chokhudza ena chimene chimapangitsa mavuto kwa ena. Lidzakhala bala m’moyo wanu.

Palibe cholakwika ndi lingaliro lachikale lakuti “nkulipira ukumayenda.” Ndithudi, ngati nkotheka, njira yanzeru koposa ndiyo kusaloŵa konse m’ngongole. Ngongole ingakhale thope lakupha limene likukumizani. Rick ndi Lois anadzilola okha kumezedwa. Iwo afunikira kupanga masinthidwe, koma pang’ono ndi pang’ono angakwere kutuluka m’ngongole zawo.

Ngati inu munafotseredwa kunsi kwa nthaka yeniyeni, mukagwiritsira njira iriyonse kuyamba kudzifukula nokha. Kungakhale kwapang’onopang’ono, koma kumathandiza! Kumbukirani, mosasamala kanthu kuti zingatenge nthaŵi chotani kapena kuvuta kumene kungakhalepo, kutuluka m’ngongole kuli koziyenerera zonsezo.

[Chithunzi patsamba 26]

Kumira m’ngongole zopambanitsa kuli ngati kumezedwa m’thope