Momwe Mungaphunzitsire Bwino Ana Anu Za Zachuma Ndi Ndalama
Monga wamkulu, mumadziwa kufunikira kwandalama komanso kukonza bajeti pa moyo watsiku ndi tsiku. Zimakhudza ndalama zogulira zakudya, zovala ndi kulipira mabilu osiyanasiyana pamwezi komanso pafupifupi chilichonse chomwe mumachita. Masiku ano, mwina mukuwona momwe zimavutira nthawi zina kugawa bwino ndalama zomwe muli nazo.
Ndipo zimakupangitsani kuganiza, kodi zingapangitse kusiyana ngati akuphunzitsani momwe mungasamalire bwino ndalama zanu mukadali wamng'ono? Inde, zidzasintha kwathunthu momwe mumawonera ndikuyamikira ndalama. Ngati muli ndi ana pambali panu, yambani kuwaphunzitsa kumvetsetsa ndalama ndi ndalama mwamsanga. M'munsimu muli mfundo zophunzitsira zomwe mungagwiritse ntchito.
1. Luso la Kuleza Mtima
Ndizosatsutsika, podziwa ana, n'zovuta kukana pamene akupempha chinachake, makamaka chifukwa simukufuna kukhumudwitsa maganizo awo. Komabe, siziyenera kukhala choncho, makamaka pankhani ya ndalama. Ngati mukuchita bwino pophunzitsa ana, muyenera kuganizira zoyamba ndi kuwaphunzitsa luso lokhala oleza mtima.
Nthawi zonse mukapita kumsika kapena kumalo ogulitsira zinthu zabwino mutabweretsa mwana, nthawi zambiri, amaloza zakudya kapena zoseweretsa zomwe akufuna. Mโmalo mowagula, lankhulani nawo mโchinenero chimene amachimva ndipo muwauze kuti asunge ndalama.
Lingaliro ili lingakhale lovuta kulimvetsa kwa ana, koma ndi kuleza mtima kuchokera kwa inu, mukhoza kuwawonetsa zomwe akuyenera kuphunzira. Ana ayenera kukumbukira kuti sangapeze chilichonse chimene akufuna pokhapokha ngati atayesetsa kuti achipeze.
2. Nthawi Yopanga zisankho
Chimodzi mwa maphunziro ofunikira kwambiri pamoyo omwe mukuchita ndi nthawi yoti mupange zisankho zoyenera. Kukhala wamkulu, pankhani zachuma, inu kuwerengera ngongole yanyumba, onani kuchuluka kwa ndalama zomwe mukufunikira kuti mugule malo, nyumba, kapena malo. Ndipo zinthu zamtunduwu zimafuna kuganiza mozama. Ngakhale ana sakanazindikira izi, nthawi zonse mutha kuzifotokoza m'mawu osavuta.
Mwachitsanzo, mutha kugwiritsa ntchito lingaliro la 3S, lomwe limayimira Kugawana, Kuwononga, ndi Kusunga. Yesani izi, perekani mwana wanu ndalama zomwe, pang'onopang'ono, mudzafotokozera momwe kupanga zisankho kumagwirira ntchito. Tsiku lililonse, aloleni aone kuchuluka kwa ndalama zimene akufuna kukhala ndi anzawo, ndalama zimene zingagulitsire zoseลตeretsa, ndi ndalama zimene zidzasiyidwe kuti zisungidwe.
Kumbukirani, mulipo kuti mutsogolere. Chifukwa chake, ngakhale mukuganiza kuti ana akugwiritsa ntchito zoseweretsa zawo zambiri kuposa anzawo, alole. Pewani kuwadzudzula kapena kuwakalipira. Kupatula apo, phunziro ili ndiloti azidzidalira pakugwiritsa ntchito ndalama. Musanagone, mungayambe kukambirana ndi kufunsa chifukwa chake anachitira zimenezo. Aloleni azindikire zomwe zingasokonezeke.
3. Kusiyanitsa Zofuna Ndi Zosowa
Chomwe chimabwera ndi mfundo yomwe tatchulayi ndikusankha zomwe mukufuna komanso zomwe mukufuna. Izo zikhoza kukhala ndithu lachinyengo ana chifukwa zimafuna kukhudzana ndi zochitika za moyo zomwe alibe panopa. Komabe, simunganyalanyazenso kuti ili m'gulu la maphunziro ofunikira omwe angapeze. Mutha kuyambitsa mutuwu mwachangu potsatira njira zomwe zili pansipa.
1- Pezani mapepala awiri ndi zolembera.
2- Msiyeni mwanayo akhale pambali panu ndikuyika zolembera ndi mapepala patebulo.
3- Afunseni kuti alembe zomwe akufuna, ngakhale zitakhala zotani.
4- Chitani zomwezo, koma mukhala mukulemba zofunikira zatsiku ndi tsiku.
5- Kukambirana, funsani chifukwa chake anasankha zinthu zoterezi.
6- Mukamaliza kulemba, fanizirani mayankho anu kwa wina ndi mzake.
7- Muwonetseni zomwe zili papepala lanu, ndipo mulole kuti azindikire zonse.
8- Pambuyo pake, tsopano ndi nthawi yoyenera kufotokoza momwe mumayika patsogolo zosowa zanu.
Mukangoganiza kuti apeza lingaliro, yesani kulikulitsa powonjezera chifukwa chake sayenera kuika zofuna patsogolo. Chofunika ndi mmene mumaperekera uthenga kwa mwanayo. Ngati mungakhale olenga, teroni. Apangitseni kumvetsera mwa kukometsera zokambiranazo. Gwiritsani ntchito dzina laojambula omwe amawakonda popanga zochitika kapena chilichonse chomwe chingawasangalatse.
4. The Comparison Shopping
Chimodzi mwa zinthu zomwe ana amakonda kuchita ndi kugula. Padzakhala masiku omwe mudzapita kumsika ndikukupemphani kuti muwagulire kanthu. Ngati muli ndi bajeti, ndiye kuti mutha kusankha kugula chilichonse chomwe chili. Koma ngati simunabweretse ndalama zokwanira ndipo simunafune kukhumudwitsa mwana wanu, ganizirani kusankha njira zina.
Lingaliro lokhudzana ndi kugula kofananitsa limalola ana anu kuti agwiritse ntchito chinthu chimodzi koma kukhala ndi mitundu yosiyanasiyana. Imodzi ndi yokwera mtengo, ndipo ina ndi yotchipa. Mukhoza kuyesa malingalirowa kudzera mu mfundo zazikuluzikulu zotsatirazi, monga momwe tafotokozera m'munsimu.
- Ngati ana anu amatha kuwerenga, aloleni apeze tsatanetsatane wa malondawo.
- Ngati sangathe, awerengereni iwo.
- Pamene mukudutsa mwatsatanetsatane, werengani kuchuluka kwa zofanana zomwe ali nazo ndikuziyerekezera ndi zosiyana.
- Yang'ananinso mtengo wake ndikuwona zomwe zili ndi mtengo wotsika komanso wapamwamba.
- Ngati kufanana kumaposa kusiyana, mutha kusankha chinthu chotsika mtengo chifukwa chimakhala ndi zinthu zomwezo. Nthawi yokhayo yomwe muyenera kuganizira yokwera mtengo kwambiri pakakhala kusiyana kowoneka bwino.
Mukapereka zoyeserera pamwambapa, mutha kufotokozeranso ana anu chifukwa chake ndikofunikira kuyang'ana a mankhwala njira nthawi zonse. Ndipo kuyerekezerako kugula zinthu ndi mfundo imene sayenera kuiwala, makamaka akakhala mโsitolo.
Pomaliza, pali njira zingapo zophunzitsira ana anu kugwiritsa ntchito bwino ndalama. Mfundo zomwe zafotokozedwa pamwambapa ndi malangizo omwe mungaphatikizepo pakuphunzitsa kwanu. Anawo amakhala omasuka kwambiri, ndipo sipadzakhala chifukwa choti adzakumane ndi mavuto azachuma mโtsogolo akadzakulanso nโkukhala munthu wamkulu ngati inuyo.
Limbikitsani Luso la Kuwerenga kwa Mwana Wanu Kudzera mu Pulogalamu!
Kuwerenga Kosangalatsa kwa Kumvetsetsa kumathandiza makolo ndi ophunzira kukulitsa luso lowerenga komanso kuyankha mafunso. App iyi ya Chingerezi Yowerengera Kumvetsetsa ili ndi nkhani zabwino kwambiri zomwe ana angawerenge ndikuyankha mafunso okhudzana nawo!