Habab Aad Lacagta Ku soo Gasha Wax Uga Dhigan Karto, Kharashkaagana Si Caqli Ku…

Haddii aad hadda uun shaqo bilowday, ama aad jeceshay in aad kayd ka samaysato lacagta ku soo gasha si aad noloshaada mustaqbalka ugu isticmaasho ama aad ugu diyaar garowdo kharashyada marar sida lama filaanka ah u soo dhaca ama xataa aad doonayso in aad lacagta ku soo gasha ka kaydsato qayb aad ugu talogashay waxbarashada mustaqbalka ubadkaaga waxa aad ogaataa in gaadhista bar tilmaameedkaasi lama huraan ka dhigayo in aad qaab maskax iyo xisaab ku dhisan u isticmaasho dakhliga ku soo gala:

1. Naftaada runta uga sheego xaaladahaaga dhaqaale:

Iska jir in aad si caadifad iyo qiiro ku dheehan tahay u qaadato go’aamada la xidhiidha kharash bixinta, naftaada u sheeg runta duruufahaaga dhaqaale iyo halka uu marayo dakhligaagu, iskana jir in aad kharash ku gasho fikir la’aan iyo adiga oo aan ka baaraan degin waxa kaa anfacaya. Ha iska iibsan wax yaabo aan anfac kuu lahayn ama baahidoodu aanay markaa taagnayn.

2. Si xirfad leh u adeego:

Inta aanad shayga iibsan, ku dadaal in aad meelo kala duwan ka soo baayacdo, is weydii in ay jiraan wax yaabo ka jaban oo waxa uu shaygani kuu qaban kara kuu qabanaya ama baahida aad u qabto daboolaya, daraasee farqiga u dhexeeya labada shay ee aad ka qaaliga ah dooranayso.

3. Haftada:

Ku dadaal in aad deynsato alaabooyin aad hubto in aad iska bixin karto kharashkooda, isla markaana ah wax aad u baahan tahay ama anfac kuu leh oo hafto aad u yar lagaaga qaadayo muddo, waxa ay taasi daboolaysaa in kharash aad macne darro ku bixin lahayd aad ku qasbanaato inaad u dhigto daynta haftada lagaaga guro ee ku sugaysa. Dhanka kalana ku dadaal in shay kasta oo aad naqad ku iibsanayso si fiican isaga baayacdo.

4. Kharash bixinta:

Iska jir in aad kharashka u bixiso si bilaa fikir ah ama aan nidaam iyo qorshe ku socon, ku dadaal shan caado oo maalkaaga aad ku ilaalin karto.

– Samayso akoon ama sanduuq kayd oo lacagta aad dhigato, lacag kasta oo ku soo gasha ha ku degdegin in aad wada isticmaasho markaba, tusaale ahaan qiyaas go’an sided boqolkiiba 25% ku rid akoonka adiga oo og in aad u baahan tahay, kadib inta kale marka aad isticmaasho, waxaa suurtogal ah in aad ka maaranto wixii aad uga baahnayd, waxaa dhacda in xiisaha hore uu qofku wax yaabo badan iibsan karo, laakiin hadhow marka uu xisaabtamo uu qoomameeyo wax yaabo badan oo uu iibsaday.

– Ku dadaal in aad lacagta ku kaydsato meel kaa durugsan ama aanad mar kasta si sahlan ku gaadhi karin, tusaale ahaan haddii aad akoon ku leedahay bangiga ha samaysan jeeg ee samayso buug si marka aad lacag u baahataba aad ugu qasbanaato in aad adigu kacdo oo la soo baxdo, taasi waxa ay keenaysaa in marar badan lacag aad isticmaali lahayd aad isaga dayso wahsi ama haleeli waa, haddiise aad jeeg leedahay cid kasta ayaad u diran kartaa.

– Iska jir daymaha waaweyn ama deymaha mar keliya lagaa wada rabo, ee aan haftada ogolayn. Kun dadaal in aanad qaadan deyn aanad hubin in shayga aad ku qaadanayso baahi weyni kuu hayso.

– Si joogto ah u qor una xisaabi dakhliga ku soo gala iyo kharashkaaga, waayo marka ay naftu xisaabtanto ee ay aragto in kharashka ay isticmaashay badan yahay waxaa fududaanaya in cadaadis lagu saari karo dhimista kharashkaas.

– Dakhliga ku soo galaa ha noqdo mid inta aanu imanba aad sii ogtahay meelaha aad u isticmaalayso. Waa in aad sii xisaabisaa inta bangiga aad dhiganayso, iyo inta kharashka ah, kuna dadaal wixii intaa ka badan ee kharash ah in aad dhinto ama badh deyn hafto ah ku qaadato.

W/D: Kamaal Axmed Cali