ධම්මික පෙරේරාගෙන් දියුණු වීමට රහස්

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ධම්මික පෙරේරාගෙන් දියුණු වීමට රහස්.

1. වියදම් ලියන්න. මාස 6ක් විතර එක දිගට ලියා ගන්න. (අමාරු නෑ, මම 2005 ඉදන් එක දිගට ලියනවා)

2. වියදම් කොටස් වලට බෙදන්න.. transport වලට යන වියදම, කෑමට, cigerett /alcohol වලට වගේ.. එක එක කාණ්ඩ වලට

3. ආදායම කොටස් කරන්න. ආදායමෙන් 10% save කරන්න බලන්න ඉස්සෙල්ල.40000 ක ආදායමක් තියෙනවා නම් 4000ක් save කරන්න ඉස්සෙල්ල.save කරන මුදල ඉස්සෙල්ලම bank කරන්න. ඊලගට වියදම් වලට % එකක් විදිහට බෙදන්න. Save කරන % වැඩි කර ගන්න බලන්න

4. මාස 6 ක වියදම් ලිව්වම, පේනවා වියදම් pattern එක. වියදම එන්න කලින්ම දන්නවා, ඊලග මාසේ වියදම් මොනවද කියල. (budget එකක් හදන්න, excel sheet එකක් හදල දෙන්නම් ඕන නම්).. මම දන්නවා ඊලග මාස 12ම මට එන වියදම්.

5. මේ අස්සේ, emergency fund එකක් හදා ගන්න. එක bank එකට දාන්න එපා. පුළුවන් තරම් try කරන්න emergency fund එක ලොකු කරන්න. බොන එක අඩු කරලා පුළුවන් කියල හිතන්න නොදැන එන වියදම්, අපි හිතමු high speed දඩයක් කෑවා කියලා. එක emergency fund එකෙන් cover වෙනවා.

6. Deposit on deposit method එකට save කරන්න. ඒ කියන්නේ, මේ මාසේ 5000ක් Fixed deposit දානවා monthly පොලිය ගන්න. දෙවෙනි මාසේ 5000 deposit කරන්නේ, පලවෙනි මාසේ දාපු 5000 monthly පොලියත් එක්ක. අපි හිතමු 12% වාර්ෂික පොලියක්,මාස්පතා ගෙවනවා කියලා. ඒ කියන්නේ, (5000 x 12%/12) = 50. දෙවෙනි මාසේ deposit එක 5000 + 50 = 5050…. තුන් වෙනි මාසේ …. 5000 + 51+50 = 5101…. මේ විදිහට

7. savings කොටස් කරන්න. bank එකක 50% දාන්න. 25% gold ගන්න , (කවදා හරි ප්‍රයෝජනවත් වේවි), 20% invest කරන්න. 5% income generation method එකකට යොදවන්න. ඒ කියන්නේ, තමන්ගේම business එකක්. පොඩියට අඩු වියදමකින්. (මේක example එකක්, තමන්ගේ ක්‍රමයක් හදා ගන්න)

8. කැපවීමෙන් කලොත්, මේක අමාරු දෙයක් නෙවෙයි.

මෙය අනිත් අයටත් වැදගත් වෙයි කියලා හිතනවා නම් Share කරන්න.

උපුටාගැනීමකි.

අද කතාව කොහොමද ?
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