Chiyelezgero cha kusakanizga cha chilato ichi: Kulinganiza
- Ndalama na madipoziti 10%
- Mabondi 40%
- Malonda 50%
Chiyelezgero cha umo ŵanthu kanandi ŵakugaŵira ndalama pa chilato chanthena na nyengo — nkhwakukhozgera yayi.
Kanandi ndalama za mwaluŵiro zikusungika makora ndipo nchakusuzga yayi kuzisanga — mu akaunti ya kusungirako ndalama panji mu dipoziti — chifukwa mungakhumba zuŵa lililose. Lamulo lakumanyikwa la chigunwe ndi myezi 3-6 ya ndalama zofunika.
Ndalama izo zikukhumbikwa pa zuŵa lakumanyikwa kanandi zikusamuskika ku malo agho ghalije ngozi apo zuŵa likusendelera, ntheura para msika ukukhira pambere munthu wandagule, ukunanga yayi ndondomeko.
Pa dipoziti ya nyumba zuŵa likukhumbikwa: usange mukukhumba kugura mu vilimika vichoko waka, kugwa kwa mtengo kungapangiska kuti kugura kuchedweskeke. Kanandi ŵanthu ŵakuchepeska ngozi apo kugura kukusendelera pafupi.
Pakuti vyaka makumi ghanandi vikwiza, kugwa kwa nyengo yichoko kukukhumbikwa viŵi yayi, ndipo kwa nyengo yitali malonda ghakukura mwaluŵiro kuluska kukwera kwa mitengo — kweni palije vigomezgo, ndipo ŵanthu ŵanandi ŵakuchepeska ngozi apo nyengo ya kupumura yikusendelera.
Kuti munthu wakure kwa nyengo yitali, nyengo iyo wakukhalira na umo wakuzizipizgira vinthu vyakukwera na kukhira vikukhumbikwa comene. Kuthandazga ndalama mu vyakuŵikamo vinandi na kusunga malipiro ghachoko ni vigaŵa ivyo mukulaŵilira.
Usange ivyo vikuwelera vikuŵa vyakupambana
Kubwerera kwaunenesko kukuŵa kwambura kusuzga: vyaka vinyake vikuŵa viheni. Mtundu ukulongora umo chakufumapo chikuthemba pa ivyo ŵakughanaghana.
Chiyelezgero cha kusakanizga
| Chiyelezgero | Ndalama / mabondi / masitoko, % | Kughanaghana kuti kuwelera | Kungakura mpaka | Mu ndalama za mazuŵa ghano . |
|---|---|---|---|---|
| Ndalama na madipoziti | 100 / 0 / 0 | 2% | 74,362 | 51,345 |
| Chenjerani | 20 / 60 / 20 | 3.5% | 85,343 | 58,926 |
| Kulinganiza | 10 / 40 / 50 | 5% | 98,420 | 67,955 |
| Kukura | 5 / 15 / 80 | 6.5% | 114,033 | 78,736 |
Kubwerera kwakughanaghanirika kwapachanya kukuza na madontho ghakuru ndiposo ghakuchitika pafupipafupi pa nthowa. Vigomezgo ni viyelezgero vya nyengo yitali, ni malayizgo yayi.
Pambere mundaŵike ndalama
- Kuzenga ndalama za mwamabuchibuchi dankha — myezi 3 mpaka 6 ya ndalama zakukhumbikwa mu akaunti yakusangika mwaluŵiro.
- Lipirani ngongoli yakudura nga ni makadi gha ngongoli: kanandi chiwongo chake chikuŵa chikuru kuluska ivyo munthu wangasanga para waŵika ndalama.
- Wonani ivyo caru cinu cikupereka: ŵanandi ŵakusunga ndalama panji penshoni iyo yikuŵawovwira kuti ŵaleke kulipira msonkho, ndipo ŵabwana ŵanyake ŵakusazgapo ndalama pa ivyo mukupeleka.
- Kuthandazga ndalama zinu: kampani yimoza, ndalama panji katundu wangawa chomene payekha, ndipo kugaŵikana kwakukwana kukuchepeska ngozi iyo.
- Sungani malipiro ghachoko na kughanaghanirapo nyengo yitali: malipiro gha 1% gha pachaka ghakutora chigaŵa chikuru cha kukura kwa vyaka makumi ghanandi.
Ivyo mazgu agha ghakung’anamura .
Ndalama na madipoziti. Akaunti yakusungirako ndalama na ndalama izo ŵakuŵika. Ngozi yichoko ndiposo nchakusuzga yayi kufikako, kweni kwa nyengo yitali kanandi chiwongo chikukolerana yayi na kukwera kwa mitengo.
Mabondi. Ngongole ku maboma panji makampani agho ghakulipira chiwongo. Kanandi vikuŵa vyakukhora kuluska masitoko, kweni mitengo yawo yikwenda na chiwongo ndipo uyo wakubwereka wangatondeka kulipira.
Malonda. Magawo mu makampani, kanandi ŵakusungika kwizira mu ndalama. Mu mbiri kukura kwa nyengo yitali, kweni na madontho ghakunyang’amira — nyengo zinyake 30–50% — agho ghangatora vyaka kuti ghaweleremo.
Vimanyikwiro vyakuchenjezga vya chinyengo
Kusimikizgika kuti ŵazamusanga ndalama zinandi, kuchichizgika kusankha mwaluŵiro, kupempha kulipira mu crypto panji makadi gha vyawanangwa, ndiposo “ŵalongozgi ŵa akaunti” awo ŵakumuphalirani dankha ni vimanyikwiro vyakumanyikwa vya chinyengo cha kuŵika ndalama. Wonani usange waliyose uyo wakupeleka ndalama zakuŵikamo ndalama wali na layisensi kufuma ku wupu wakulaŵilira vya ndalama mu charu chinu.
Ulongozgi wa vya ndalama yayi. Chilichose icho chili pa peji ili ni masambiro gha ŵanthu wose ghakuthemba pa ivyo mukughanaghana kuti mukulaŵilira. Ni vyakuŵika ndalama yayi, misonkho panji ulongozgi wa malango ndiposo ni vyakupeleka panji kukhozgera chinthu chilichose cha ndalama yayi. Ivyo munthu wakasanga kumanyuma vikulongora yayi kuti vinthu vizamuchitika munthazi, ndipo ndalama izo munthu waŵika zingaŵa zambura kuzirwa. Kuti musankhepo ivyo vikuyana na umo vinthu viliri kwa imwe, yowoyani na munthu uyo wali na layisensi yakupeleka ulongozgi pa nkhani ya ndalama. Bazeta wakuguliska vinthu vya ndalama yayi.