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.
Qore Eng Abdirashid
Hassan Aidid
Abdilondon7473@gmail.com
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