Mmene Mungapeŵere Kukhala m’Ngongole

M’NTHAŴI zino zomasintha, kuyendetsa chuma cha banja kungakhale kovuta. Kodi mungaligonjetse motani vuto limeneli?

Yankho kwenikweni sindilo kukhala ndi ndalama zambiri. Akatswiri a ndalama akuti yankho limakhudza kudziŵa kumene ndalama zikuchokera ndi kumene zikupita limodzinso ndi kukhala wokonzeka kupanga zosankha mutadziŵa zonse zoloŵetsedwamo. Kuti muchite zimenezi mufunikira bajeti.

Kugonjetsa Malingaliro a Kusafuna Bajeti

Komabe, mabajeti “amachititsa malingaliro osiyanasiyana osakondweretsa,” akutero phungu wa ndalama, Grace Weinstein. Chotero, anthu ambiri samaipanga. Ena amanenanso kuti amene afunika bajeti ndi aja amene amapeza ndalama zochepa kapena osaphunzira. Koma ngakhale odziŵa ntchito a ndalama zambiri amakhala ndi mavuto a ndalama. Phungu wina wa zandalama akuti: “Mmodzi wa ochita nawo malonda anga oyamba ankapanga $187,000 pachaka . . . Ngongole yawo ya pa khadi la ngongole yokha inali pafupifupi $95,000.”

Michael, wotchulidwa poyambapo, sanafune kufunsira uphungu wa zandalama pachifukwa china. Akuvomereza kuti: “Ndinkaopa kuti ena angandione ngati mbuli ndi wopusa.” Koma mantha ameneŵa alibe maziko. Kuyendetsa bwino ndalama ndi kupanga ndalama kumafuna maluso osiyana, ndipo anthu ambiri sanaphunzitsidwe kuyendetsa bwino ndalama. Wantchito yothandiza anthu wina akuti: “Timamaliza maphunziro kusukulu yasekondale tikudziŵa kwambiri masamu kuposa mmene tingasungire ndalama.”

Ngakhale zili choncho, kupanga bajeti sikovuta kwambiri kuphunzira. Ndiko kupanga mpambo wa ndalama zopezedwa ndi mpambo wa ndalama zowonongedwa—ndiyeno kulinganiza ndalama zowonongedwa kuti zisapose ndalama zopezedwa. Kwenikweni, kupanga bajeti kumasangalatsa, ndipo kuitsatira kumakhutiritsa.

Kuyamba

Tiyeni tiyambe ndi kupanga mpambo wa ndalama zopezedwa. Kwa ife ambiri, kuchita zimenezi sikungakhale kovuta chifukwa nthaŵi zambiri kudzagofuna zinthu zingapo—malipiro, chiwongola dzanja cha akaunti ya kubanki ya savings, ndi zina zotero.

Koma musadalire pa ndalama zosatsimikizirika, monga malipiro a ovataimu mabonasi, kapena mphatso. Aphungu a zandalama akuchenjeza kuti kudalira pa magwero a ndalama osatsimikizirika kungakuloŵetseni m’ngongole. Ngati ndalama zotere zikhalapodi, mungasankhe kuzigwiritsira ntchito kugula chosangalatsa inuyo ndi banja, kuthandiza ena osoŵa, kapena kupanga chopereka ku makonzedwe oyenerera.

Komabe, kupanga mpambo wa ndalama zowonongedwa kungakhale kovuta pang’ono. Robert ndi Rhonda, otchulidwa m’nkhani zoyambazo, sanadziŵe bwino kumene ndalama zawo zopezedwa movutikira zinali kupita. Robert akufotokoza mmene anathetsera vutolo kuti: “Kwa mwezi umodzi tonse aŵiri tinali kuyenda ndi pepala ndi kulemba ndalama iliyonse imene tinawononga. Tinali kulemba ngakhale ndi ndalama imene tinatayira pa kumwa kofi. Ndipo madzulo alionse, tinali kulemba ndalamazo m’buku la bajeti limene ndinagula.”

Kusamala kulemba zonse zimene mukuwononga kudzakuthandizani kudziŵa ‘ndalama yachinsinsi’ iliyonse imene imaoneka kuti imangozimiririka. Komabe, ngati mudziŵa zimene mumawonongerapo ndalama, mungasankhe kusasunga mpambo watsatanetsatane wa zimene mumawonongerapo ndalama tsiku ndi tsiku ndi kuyamba kulemba mpambo wa zowonongedwa mwezi ndi mwezi.

Kundandalika Zotayika Mwezi ndi Mwezi

Mwinamwake mungafune kulemba tchati chofanana ndi chimene chasonyezedwa patsamba 27. M’danga la “Ndalama Zonse Zowonongedwa,” lembani ndalama imene mumawonongera pa chinthu chilichonse pakali pano. Chepetsani chiŵerengero cha magulu aakulu, mukumagwiritsira ntchito mitu monga “zakudya,” “nyumba,” ndi “zovala.” Komabe, musasiye magulu ena aang’ono ofunika kwambiri. Kwa Robert ndi Rhonda, gawo lalikulu la ndalama zawo linali kupita pa kudya m’malesitiranti, chotero kupatula “kudya m’malesitiranti” pa “zakudya za m’nyumba” kunathandiza. Ngati mumakonda kuchereza alendo, kumeneku kungakhale gulu laling’ono pansi pa “zakudya.” Cholinga ndicho kupanga tchati kuti chisonyeze umunthu wanu ndi zokonda zanu.

Polemba tchati chanu, musaiŵale malipiro a katatu pachaka, kaŵiri pachaka, kamodzi pachaka, ndi ndalama zina zowonongedwa nthaŵi ndi nthaŵi, monga malipiro a inshuwalansi ndi msonkho. Komano, kuti muziphatikize pa tchati cha mwezi ndi mwezi, mudzafunikira kugaŵa ndalamayo moligana ndi chiŵerengero choyenera cha miyezi.

Chinthu chofunika pampambo wa zowonongedwa ndicho “ndalama zoikidwa kubanki.” Pamene kuli kwakuti ambiri mwinamwake samaganiza kuti ndalama zoika kubanki zili zowonongedwa, mwanzeru muyenera kulinganiza zina za ndalama zanu zopezedwa pamwezi kaamba ka zobuka mwadzidzidzi kapena zifuno zapadera. Grace Weinstein akugogomezera kuti nkofunika kuphatikiza ndalama zoikidwa kubanki pampambo wanu wa ndalama zowonongedwa: “Ngati simutha kusunga ngakhale 5 peresenti ya ndalama zanu zotsala atachotsapo msonkho (ndipo imeneyo ndiyo yaing’ono kwambiri), mudzayenera kuchitapo kanthu mwamphamvu. Siyani kutenga zinthu pangongole, linganizaninso moyo wanu, ndipo lingalirani za zofunikira zanu zenizeni.” Inde, kumbukirani kuphatikiza ndalama zoikidwa kubanki pabajeti yanu ya mwezi ndi mwezi.

Kuti musavutike kwambiri m’nthaŵi ya ulova umene mungaloŵemo, tsopano ambiri amati kuli bwino kuti muziyesa kusunga ndalama pafupi zolingana ndi zimene mumapeza m’miyezi isanu ndi umodzi. “Ngati ndalama zimene mumapeza ziwonjezeka,” akutero phungu wina wa zandalama, “sungani theka lake.” Kodi mumaona monga nkosatheka kwa inu kusunga ndalama?

Lingalirani za Laxmi Bai, amene ali wosauka kwambiri monga alili anthu ambiri kumidzi ya ku India. Pampunga womwe anali kuphikira banja lake tsiku ndi tsiku anayamba kuchotsapo wodzaza dzanja limodzi kuuika mumphika wadothi. Nthaŵi ndi nthaŵi anali kugulitsa mpungawo ndi kuika ndalama zake kubanki. Limeneli linali sitepe lolinga ku kutenga loni ya kubanki yothandiza mwana wake wamwamuna kuyamba malonda okonza njinga. Kusunga zinthu zochepa kumeneku kwasintha kwambiri moyo wa anthu ambiri, ikutero India Today. Zimenezi zapanga ena kukhaladi odzidalira m’zachuma.

Komabe, kulinganiza bwino bajeti sindiko kungopanga mpambo wa ndalama zopezedwa ndi ndalama zowonongedwa. Kumaphatikizapo kulinganiza ndalama zowonongedwa kuti zisapose ndalama zopezedwa, zimene zingafune kuchepetsa ndalama zimene mumawononga.

Kodi Nchofunika?

Onani mutuwo “Chofunika?” pa fomu patsamba 27. Danga limeneli nlofunika kwambiri kulilingalira, makamaka ngati mupeza kuti ndalama zonse pamodzi m’danga la “Ndalama za Pabajeti” zikuposa ndalama zimene mumapeza. Komabe, kudziŵa ngati chinthu nchofunika ndi ndalama zimene mungawonongerepo kungakhale kovuta. Zimenezi zili choncho makamaka m’nthaŵi zino zomasintha pamene nthaŵi zonse osatsa malonda amatisonyeza zinthu zatsopano zimene amati nzofunikira. Kusiyanitsa chinthu chilichonse monga chofunikiradi, chokayikitsa, kapena chosangalatsa kukhala nacho kudzathandiza.

Yang’anani pa chinthu chilichonse chimene mwandandalika, ndipo mutachipenda mosamala, lembani “I” m’danga lanu la “Chofunika?” ngati chinthucho nchofunikiradi; “?” ngati nchokayikitsa; “S” ngati nchosangalatsa chabe kukhala nacho. Kumbukirani, ndalama zimene zili m’danga la “Ndalama za Pabajeti” siziyenera kuposa zopezedwa zanu za pamwezi!

Zinthu zolembedwapo “?” ndi “S” mosakayikira ndizo zoyambirira kuchotsapo. Zinthuzi mwinamwake simuyenera kuzichotserapotu. Cholinga chake ndicho kusanthula chinthu chilichonse kuti muone ngati mtengo wake uli woyenerera chisangalalo chimene chinthucho chimabweretsa ndi kuchotsapo moyenerera. Robert ndi Rhonda anaona pampambo wawo kuti anali kuwononga $500 pamwezi kudyera m’malesitiranti. Kanali kakhalidwe kamene analoŵamo chifukwa chakuti onse aŵiri sanali kudziŵa kuphika. Koma Rhonda anachitapo kanthu kuti aphunzire ndipo akuti: “Kuphika tsopano kwakhala kosangalatsa, ndipo nthaŵi zambiri timadyera panyumba.” Robert akuwonjezera kuti: “Tsopano timadyera kumalesitiranti kokha pazochitika zapadera kapena ngati kuli kofunika.”

Kusintha kwa mikhalidwe yanu kungakuchititseni kupendanso zonse zofunika. Monga tachulira m’nkhani yoyamba, Anthony anayamba kupeza ndalama zazing’ono. Zinatsika kuchoka pa $48,000 pachaka kufika pa zochepekera pa $20,000 ndi kukhala pamenepo kwa zaka ziŵiri. Ngati zimenezi zikuchitikirani, mwinamwake mudzafunikira kupanga bajeti yokuthandizani kupulumuka, kuchotsapo zowonjezera zonse pa zimene mumagula.

Ndizo zimene Anthony anachita. Mwa kuchepetsa ndalama motsimikiza zimene ankawonongera pa chakudya, zovala, maulendo, ndi zosangulutsa, anayesetsa kusataya nyumba yake ndipo anakhoza.a “Monga banja tinakambitsirana za zofunika zathu zazikulu ndi zofunika zazing’ono zenizeni,” iye akutero, “ndipo chochitika chimenecho tapindula nacho. Tsopano tikudziŵa mmene tingakhalire okhutira ndi zinthu zochepa.”

Kuchepetsa Ngongole

Ngongole zosapendedwa zingalepheretse khama lanu la kukhala molingana ndi zimene muli nazo. Pamene kuli kwakuti ngongole zobweza mkati mwa nthaŵi yaitali zotengedwa kugulira chuma monga nyumba imene mtengo wake umawonjezeka kungakhale kothandiza, ngongole za pa makhadi a ngongole zogulira zinthu zatsiku ndi tsiku zingakhale zowononga. Choncho “musalipire ndalama iliyonse ndi khadi,” ikutero Newsweek.

Akatswiri a zandalama amalimbikitsa kubweza ngongole za pamakhadi a ngongole ngakhale ngati mungafunikire kugwira pandalama zimene munaika kubanki. Sikwanzeru kukhala ndi ngongole yachiwongola dzanja chapamwamba kwambiri pamene mukusunga ndalama zazing’ono. Atazindikira zimenezi, Michael ndi Reena anabweza ngongole zawo za pamakhadi a ngongole mwa kusinthitsa ma savings bond [makalata osonyeza kuti boma lili ndi ndalama zawo] awo ndi ndalama, ndipo anatsimikiza kuti sadzaloŵanso mumkhalidwe umenewo.

Robert ndi Rhonda, pokhala opanda zinthu zimenezi, anapanga bajeti yowathandiza kupulumuka. Robert akuti: “Ndinalemba bar graph [mizere ndi manambala osonyeza kutsika kapena kukwera kwa mkhalidwe wakutiwakuti] pa bolodi loyera yosonyeza mmene ngongole yathu idzayamba kuchepera mwezi ndi mwezi ndi kukoloŵeka bolodilo m’chipinda chathu pamalo pamene tinali kuliona mmaŵa ulionse. Zimenezi zinatilimbikitsa tsiku ndi tsiku.” Pa kutha kwa chaka, iwo anali achimwemwe chotani nanga kukhala atabweza ngongole yawo yokwanira $6,000 ya pakhadi la ngongole!

M’maiko ena ngakhale kugwirira chikole sikulinso kuikiza ndalama kodzetsa phindu monga mmene kunalili kale. Ndipo kugula nyumba kungakuchititseni kulipira ndalama zambiri za chiwongola dzanja. Kodi mungachitenji kuti muchepetse mtengo wa chikole? “Lipirani mbali yaikulu ya ngongole yanu kuposa chimene banki ikufuna kapena gulani nyumba yamtengo wotsika,” ikutero Newsweek. “Ngati muli kale ndi nyumba, kanizani chikhumbo cha kugula yapamwamba.”

Mungachepetse kwambiri mtengo wa loni ya galimoto mwa kulipira mbali yaikulu ya ngongole. Koma mudzafunikira kusungiratu ndalama zake pasadakhale mwa kulemba ndalamayo pabajeti yabanja lanu. Ndipo bwanji ponena za kugula galimoto yabwino yogwiritsidwapo kale ntchito?b Mtengo wake wotsika ungatanthauze kuti ndalama zowonjezera zidzakhala zazing’ono. Mwinamwake mungathe ngakhale kugula galimoto popanda kuloŵa m’ngongole.

Kodi Mudzapambana?

Kuti mupambane kupanga bajeti yanu kukhala yogwira ntchito zidzalira kwenikweni pa kutheka kwake. “Makonzedwewo sadzagwira ntchito ngati ndalama ya banja njaing’ono kwambiri kwakuti simungaigwiritsire ntchito kwa mwezi wonse,” likutero banja lina limene lagwiritsira ntchito bajeti mwachipambano.

Chinthu china chofunika kwambiri chopangitsa bajeti kuti igwire ntchito ndicho kulankhulana kwabwino pakati pa a m’banja. Awo okhudzidwa ndi bajeti ayenera kukhala ndi mwaŵi wa kufotokoza malingaliro awo popanda kuwanyodola. Ngati a m’banja amene akhudzidwa adziŵa bwino zofunika zazikulu ndi zazing’ono za wina ndi mnzake ndi kuzindikiradi mmene mkhalidwe wa ndalama za banja ulili, mwachionekere padzakhala mgwirizano wabwino kwambiri ndi mwaŵi wabwino kwambiri wakuti bajeti ya banja idzagwira ntchito.

M’nthaŵi zino zoŵaŵitsa, pamene mkhalidwe wa dziko ukusinthabe, mavuto a ndalama za mabanja nawonso akuwonjezereka. (2 Timoteo 3:1; 1 Akorinto 7:31) Tiyenera kukhala ndi “nzeru yeniyeni” polimbana ndi mavuto a moyo wamasiku ano. (Miyambo 2:7) Kukhala ndi bajeti kungakhale chinthu chokhacho chimene chidzakuthandizani kuchita zimenezo.

[Mawu a M’munsi]

[Mawu Otsindika patsamba 28]

Santhulani chinthu chilichonse kuti muone ngati mtengo wake uli woyenerera chisangalalo chimene chinthucho chimadzetsa

[Mawu Otsindika patsamba 29]

Chenjerani ndi malipiro a chiwongola dzanja a makhadi a ngongole!

[Tchati patsamba 27]

TCHATI CHA NDALAMA ZOWONONGEDWA PAMWEZI NDI CHOPENDERA ZINTHU Mwezi

ZOTAYIDWA Zenizeni Zotayidwa Ndalama Chofunika? Ndalama za Pabajeti

Zakudya:

Zakudya zapanyumba

Kudya kumalesitiranti

Kuchereza alendo

Nyumba:

Chikole kapena lendi

Zamagetsi ndi madzi

Zovala

Maulendo

Mphatso

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●

●

Zoikidwa kubanki

Misonkho

Inshuwalansi

Zina

ZONSE PAMODZI (yerekezerani ndi ndalama zopezedwa)

NDALAMA ZOPEZEDWA PAMWEZI

Malipiro

Zolandiridwa ku lendi (ngati ilipo)

Chiwongola dzanja cha zoikidwa kubanki

ZONSE PAMODZI (yerekezerani ndi zotayidwa)

[Chithunzi patsamba 26]

Kulankhulana kwabwino kwa banja nkofunika kuti bajeti ikhale yogwira ntchito