Amalonda ena amapereka ndalama zochepa ngati mukufuna kupereka ndalama.
Ndalama zothandizira ngongole zokhudzana ndi ngongole nthawi zonse zimakhala zotentha kwambiri kwa amalonda, ndipo pamene ena makhadi ochotsera makhadi amatha kudula kwambiri kuchokera ku malonda ang'onoang'ono omwe ali ndi mphamvu yotsika, kwa makampani, malipiro awa ndi ndalama zokha zogulitsa bizinesi. Mabizinesi odabwitsa apanga njira yothetsera ngongole popanda kuphwanya lamulo (kapena mgwirizano wopereka khadi), pamene amalonda ena samavomereza makadi a ngongole chifukwa cha kugulitsa kulikonse.
Inde, kusankha malo angayese kupewa njira yamapepala a ngongole ya "ngongole," kutengera (kosaloleka) kusiya ndalama kuchokera ku msonkho wawo, koma ambiri amafuna kuthetsa ndalama zosafunikira ngati kuli kotheka. Ndipo nthawi zina, izi zingatanthauze makasitomala olimbikitsa kusunga makadi awo a ngongole m'mapanda awo.
Simungathe kutsutsa amalonda chifukwa choyesera kusunga ndalama, ndipo pamene anthu ambiri akulipilira ndalama zambiri zogula, ngakhale ngati sizili zosavuta, izo ndizovuta kutsutsana ndi zolinga zanu monga mailosi ndi osonkhanitsa. Pokhapokha ngati mwasintha kupeza njira yolipira makadi a debit omwe munalipiritsa omwe munawatenga ku Office Depot mukalandira ndalama zisanu pa dola iliyonse ndipo mukugwiritsa ntchito ndalamazo kuti mulipire katundu ndi mautumiki, simukuzichita nokha mwayi uliwonse posankha zobiriwira pamwamba pa mfundo-zopeza pulasitiki. (Popanda, inde, mumakonda kusunga ndalama zanu pa makadi anu a ngongole, pomwepo ndalama zanu pamwezi zimakhala zochepa kwambiri kuposa zomwe mumapeza kuchokera ku mfundo zomwe mumapeza).
Pakali pano, malo wamba omwe mumalowa mu "ndalama zowonongeka" ali pa gasitesi. Malo ambiri ogulitsa sakhala wamanyazi pa zomwe amakonda pa ndalama, ndipo ngati mutha kulipira ndi khadi, mudzapidwa ndalama zambiri pa galoni yomwe mumagula. Mofanana ndi zonse zomwe mwagula, mukufuna kusankha khadi lomwe mungagwiritse ntchito (kapena ngati simukugwiritsa ntchito khadi konse) malingana ndi mtengo womwe mwawerengera mtundu wa mphotho.
Kotero, ngati mtengo wamtengo uli $ 4.00 pa gallon ndipo iwe ukhoza kulipira $ 4.20 pa gallon pamene iwe ukulipira ndi khadi, gawo la magawo asanu peresenti, iwe uyenera kupeza osachepera 5 peresenti kuti abwerere khalani ofunika. Pokhapokha mutagwiritsa ntchito khadi yomwe ili ndi bizinesi yofunika kwambiri yogula pa magetsi, mwina ndi ntchito yabwino kuti muthe kulipira ndalama.
Ngakhale pamene wamalonda samalengeza malipiro ochepa ngati mukugwiritsa ntchito ndalama, angakhale otseguka kuti akuchepetseni ntchito. Ngati mukugula zakudya kapena kuchitira banja lanu anayi kuti adye chakudya, mwina sizingakhale bwino kumapempha, koma ngati mukugula chovala chamtengo wapatali kapena kukambirana paulendo wapatali kwa ulendo wochuluka mu tekesi, pangakhale phindu lalikulu kuti likhale nalo. Kwa malonda, komabe, ndikofunika kukumbukira kupezeka kopindula kawirikawiri kulipira ndi pulasitiki: zowonjezera zowonjezera ndi kubwerera. Okhazikitsa makadi ena amadzipiritsa chidziwitso cha opanga kachiwiri kapena amapereka malipiro okwanira mukapempha kubwezeretsa katundu amene wamalonda sangabwerere, ndipo ngati mukuganiza kuti mukufunikira kugwiritsa ntchito ndondomeko yoteroyo, pewani kuchotsera ndi kulipira ndi khadi lanu .
Mofananamo, pakhoza kukhala mipata yobwezera ndi khadi la ngongole zomwe simungaganizirepo.
Mapunivesite ena amalandira malipiro a khadi la ngongole, ndipo ngakhale pali zosankha zochepa kusiyana ndi kale, ntchito zina zimapangitsa kuti muthe kulipira ngongole yanu pogwiritsa ntchito khadi m'malo mwa ndalama, pamalipiro. Anthu ena ogulitsa galimoto angakulolereni kulipira ndi khadi la ngongole ngati mukugula galimoto popanda ndalama za banki. Mofanana ndi kuchotsera zomwe takambirana pamwambazi, musaiwale kuwerengera mtengo wa mfundo zomwe mutapeze musanayambe kusinthana - kugwiritsa ntchito khadi lanu kumveka nthawi zambiri, koma nthawi zina mumapindula kwambiri polipira ndi ozizira, ndalama zovuta.