Uthenga wamalonda: Njira 8 zosungira ndalama

Kusunga ndalama ndi ntchito yofunika kwambiri komanso yoyamikirika. Komabe, ngati mwasankha kusunga ndalama zanu, muyenera kusankha njira yomwe ingawatetezere ku kukwera kwa mitengo. Inde, ndi bwino kusankha zosankha zomwe zimabweretsa chiyamikiro china. M’nkhani yotsatira tidzakambirana njira zina zimene anthu ambiri amagwiritsa ntchito.

Kusunga ndalama zomanga

Njira yotchuka kwambiri yosungira ndalama yomwe imapereka chiwongola dzanja chokwanira. Komabe, phindu lalikulu la ndalama zomanga nyumba ndi mwayi wopeza chithandizo cha boma, chomwe mudzalandira mukazindikira ndalama zomwe munakonzeratu. Kumbali ina, kuipa kwa njirayi ndikosatheka kugwiritsa ntchito ndalamazo musanafike kumapeto kwa nthawi yosungira.

Gwero: Unsplash

Maakaunti osungira

Maakaunti osungira ndi osinthika kwambiri kuposa kusunga ndalama zomanga ndipo mutha kusamutsa ndalama kuchokera kwa iwo kupita kumaakaunti akubanki wamba. Choyipa chake ndi kuyamikira kwakung'ono kwambiri kudzera mu chidwi, chomwe sichikufika pamikhalidwe yofanana ndi momwe zimakhalira pakusunga ndalama zomanga. Chifukwa chake ndi njira yopitilira kukukakamizani kuti nthawi zonse muzipatula ndalama zaulere.

Kusunga ndalama mumaakaunti apano

Zachidziwikire, muthanso kusunga mu akaunti yakubanki yokhazikika. Iwo ali ndi chiwongola dzanja chochepa, kumbali ina, ndalama pano ndi madzi ambiri ndipo nthawi yomweyo zakonzeka kugwiritsidwa ntchito pa malipiro.

Kusunga ndalama

Njira ina yomwe imagwiritsidwa ntchito ndi kuika ndalama mu ndalama "mu udzu" popanda kugwiritsa ntchito zinthu za banki zopanda ndalama. Pazifukwa izi, ndikofunikira kuti muteteze bwino ndalamazo kuti zisabedwe ndikuwerengera ziro chiwongola dzanja mukasunga.

Kuyika ndalama kumaposa kukwera kwa mitengo

Tsoka ilo, zitsanzo zili pamwambazi (mwina kupatula ndalama zosungira nyumba) sizingakutetezeni ku kukwera kwa mitengo. Ichi ndichifukwa chake ntchito zosungira ndalama ndizosiyana zomwe zimakonda kusungitsa ndalama. Mbiri ya mwayi wopeza ndalama ndi yotakata kwambiri, kuchokera kuzinthu zachikhalidwe, magawo, malonda a ndalama (forex) mpaka ma cryptocurrencies.

Gwero: Unsplash

Chifukwa cha ndalama, mutha kubweza ndalama zambiri, komano, pali chiwopsezo chachikulu chotaya mtengo wandalama zanu zomwe mwagulitsa.

Zosankha zina

Mitundu ina ya ndalama imaphatikizaponso Ndalama Zopuma pantchito, mutual funds kapena inshuwaransi ya moyo.