Mfundo za bajeti
Kuti ndalama zitheke komanso zonse, muyenera kupanga bajeti. Phunziro silili lovuta, nthawi zina limakondweretsa, koma chofunika kwambiri - ndi lothandiza kwambiri. Kotero, muli ndi malipiro. Amagona mu thumba lake, mosangalala akugwedeza ndi ngongole zatsopano, kapena pa khadi la banki - ziribe kanthu. Timatenga zinthu zonse moona mtima ndikuyamba kuzigawa.
1. Tumizani 10-15% mwa alandilo - iyi ndi ndalama yomwe mumasunga tsiku lamvula, galimoto kapena ulendo wopita ku nyanja. Mukuti, mulibe malipiro okwanira, ndipo palibe chomwe mungachotsepo "pakapita nthawi", musadandaule - ngati mukukonzekera bwino, padzakhala ndalama zokwanira, ndi 10% olemekezeka ... Ganizani mosamala: ngati ndalama zanu zikugwa mwadzidzidzi ndi 10% Pambuyo pa zonsezi, mukhoza kukhala ndi 90% otsala? Inde, mungathe. Palibe malipiro omwe simungathe kuwononga gawo la khumi mopanda malire (pamene malipiro ali ofanana ndi kuchepetsa ndalama, sitimaganizira.) Sikoyenera kupereka ndalama zoposa 15 peresenti yazopindula. Mudzakhala mumtundu wa austerity kwa sabata, ziwiri, mwinamwake - mwezi Komano iwe udzalephera ndi kuchepetsa zonse zomwe zasungidwa mu bukhu loyamba.
2. Tikayika osiyana envelopu 1-2 zikwi hryvnia kwa zovuta ndalama. Mumalipira mwezi uliwonse ku nyumba, sukulu, Internet ... Perekani ndalamayi mwamsanga! Ngati mukuyenera kupereka ndalama, ndibwino kuti musadalirepo poyamba.
3. Timatenga kalendala ndikuyang'ana ngati sizikuyembekezeredwa kuti masiku makumi asanu ndi atatu (30) azisangalalo, maukwati ndi zikondwerero zina zidzachitika pakati pa abwenzi ndi achibale. Chifukwa ngati ziwonetseredwa, ndiye kuti mudzagula mphatso. Timayika envelopu ina ndikuikapo pambali ndalamazo, zomwe, sizingakhale zomvetsa chifundo, pamzake - sizochititsa manyazi kupereka ndalama.
4. Ndi angati amene atsalapo? 5000? Awiri? A chikwi? Izi ndizo ndalama zomwe mumagwiritsa ntchito kwa mwezi. Mawu ofunika apa ndi "mwezi." Ngati sitimakumbukira chiwerengero cha gulu lachiwiri, ngati sichoncho, tithandizira owerengetsera, tagawani ndalama zotsalira kwa masiku 30. Misonkho yomwe imalandira ndizo ndalama zomwe mumagula tsiku ndi tsiku. Tsopano mukudziwa: kuti musatulukemo bajeti, Inde, mutha kugwiritsa ntchito zambiri - sitili ma robot, koma anthu amoyo, koma m'masiku ochepa otsatira tidzatha kuchepetsa zolakalaka zathu kuti "tibwerere nthawi."
Kuikidwa mwatsatanetsatane
Koma nthawi zambiri zimachitika kuti ndalama zanenedweratu, koma pakalibe ndalama zokwanira. Timayamba kukumbukira molakwika zomwe zili zolakwika. Kumbukirani mawu a nyimbo ya ana okondwa: "Ngati pali bolodi laling'ono, matabwa awiri, padzakhala makwerero, mawu okha, mawu awiri - padzakhala nyimbo"? Apa pali: kufufuza chingamu ndichabechabe, ndipo ena a kutafuna chingamu, chokoleti, makeke ndi botolo la soda ali kale 40- 50 hryvnias.We amapereka ndalama kwa zinthu zing'onozing'ono popanda kuganiza, ndipo apa nthawi ina yofunika kwambiri ya maganizo imagwira ntchito. Mtengo wa chinthu chaching'ono (kutafuna chingamu, chokoleti) umawoneka kuti ndi wotsika kuposa momwe ulili.Tigula mafoni atsopano mosavuta. Ndipo nthawi zana kuganiza musanagule, mwachitsanzo, n Chophimba chatsopano chogona mu chipinda chogona - mwa njira, ndi yotsika mtengo kuposa foni.
Chibokosi chabe - chimakhala ngati chachikulu, koma foni ... Ojambula amadziwa khalidweli ndikugwiritsira ntchito bwino - pogula chinthu chaching'ono, kuganiza kasanu, mukufunikira kuyimitsidwa kwatsopano foni Inde, pano pa ma hritnas awa 40-50, omwe mungathe kugula mapepala a maapulo, kapena maekala ochepa chabe kapena magazini angapo abwino. Kuti mudziwe komwe ndalama ikupita, muyenera kudziyang'anira nokha ndalama zanu mwezi umodzi. Kubwereranso ku ofesi yapamwamba - ikani cheke pa bambo wapadera kapena lembani ndalama zanu mu bukhu lokhala ndi "nyumba yosungirako nyumba." Kapena muzilemba zolemba pa mtengo wina pa intaneti (imangolani mu injini yowunikira "woyimilira kunyumba" - ndi kusankha malo abwino kwambiri kwa inu). Kumapeto kwa mweziwu, mungathe kuona momwe ndalama zanu zimakhalira pa chakudya, kuchuluka kwake - zosangalatsa, kuchuluka bwanji - kuyenda kapena kulipira zinthu zothandiza. Zokhumudwitsa kwambiri.
- Poyamba, ndinaganiza kuti: Ndizisiya phunziroli masiku angapo, - Elena akukumbukira, mayi wa ana awiri, - koma ndikudwala kwambiri sabata yatha ine ndi mwamuna wanga tisanakhale pa macaroni ndikumwa tiyi popanda cookies. Ndinadziwa kuti ndilo vuto langa. Ndipo ndinaganiza: kwa mwezi umodzi ndidzakhala wotsimikiza. Tsopano zakhala miyezi isanu ndi umodzi, ndipo ndikupitirizabe mndandanda wa ndalama. Unali masewera osangalatsa kwambiri! Mwa njira, kale m'masiku oyambirira ndinayamba kugwiritsira ntchito ndalama zochepa: lingaliro la zomwe ziyenera kuikidwa pamtengo wa chigulugulu cha pulasitiki wogula mwachisawawa kapena kapu ya khofi mumsika wamakampani nthawi yomweyo anasiya dzanja. kutambasula kwa thumba la ndalama. Ndichifukwa chiyani ndiyenera kumwa khofi mu sitolo ngati ndiri kunyumba maminiti 15? Ndipo kodi ine ndikusowa chibangili cha 30 hryvnia? Chabwino, pamene ndinayamba kufufuza, ndinapeza kuti gawo la ndalama la mkango linagwiritsidwa ntchito pazinthu zopanda pake. Ife taphunzitsidwa kale kuti "Ndikufuna kugula." Tsopano tikuyesera kuwafotokozera kuti ndalama ndizo zomaliza ndipo ndizofunika kuzichotsa ndi malingaliro.Koma ndithu, sipakhala misonzi, koma tikugwira. Aloleni anyamatawo adziphunzira kugwiritsa ntchito bwino ndalama , kuposa anthu akuluakulu nthawi zonse amayenda pamatope omwewo.
Palibe mafelemu!
Ndibwino kuti ndalama zitheke m'banja "mutagwirizana." Ndipo ngati wina ali wotsutsa, ndipo yachiwiri ndi skuperdyay? Ngati ndi kofunika kuti munthu agule bulasi yatsopano mwezi uli wonse, ndipo kwachiwiri, choyika chatsopano pa kompyuta? Zimathetsedwa mosavuta - zokwanira kuti mudzilole kupita "kupitirira malire a khalidwe". Ndiuzeni, nchifukwa ninji muli ndi thumba lachikwama limodzi ndi mwamuna wanu? Zimakhala zovuta kwa inu kapena iye. Koma izi zimavomerezedwa, mwezi uliwonse amakupatsani malipiro ake (ngakhale kuti amasiya ndalama zowonongeka), ndipo inu, pokonzekera ndalama zonse, pakati pa mwezi, mwadzidzidzi mukakumana ndi konkire yowonjezera: "Ndidzatenga hryvnia yanu 50 - pa tsiku lachikumbutso cha San Sanych. "Nanga bwanji mukufunikira" mphika wamba "? Lolani nokha kuti mukhale ndi njira yomwe ili yabwino kwa inu!
Mwachitsanzo, mungathe kukhazikitsa njirayi: mwezi uliwonse, mwamuna wanu amakupatsani gawo la malipiro ake, ndalama zomwe mumagula ndi ana anu (ngati mumagula ndi kulipira ngongole). Malipiro ake onse akhala ndi iye. Koma tsopano mwamuna mwiniwake akuda nkhaŵa kutsanulira mafuta mugalimoto, kugula ndodo yatsopano yosodza kapena kukhala ndi abwenzi mu bar. Muli ndi manja olimba m'manja mwanu, omwe palibe amene adzafunse ndalama mwadzidzidzi. Ndipo mukhoza kutenga gawo limodzi la malipiro anu, osagulitsidwa ndi kugula zinthu zomwe mumagula, nokha, osamuuza mwamuna wanu.
M'banja la abwenzi anga, ndalama zimagawanika: mwamuna kuchokera ku malipiro ake amapereka ngongole ndi zovala, mkazi amamupatsa ndalama pa chakudya. Paulendo ndi ndalama zazikulu, zonsezi ziyike pamtundu umodzimodzi - ndipo aliyense ali wokondwa. Lankhulani ndi mwamuna wanu - izi ndizothandiza kwambiri. Perekani zosankha zanu, mvetserani. Pambuyo pake, mgwirizano m'banja ndi wofunikira kuposa ndalama zonse. Ndipo sipadzakhala pamene mmodzi wa okwatirana akuwona kuti zofuna zake zikuphwanyidwa. "Sindingathe kugwiritsa ntchito ndalama," ndinagwedeza Anna, "ndipo ndinasankha: Ndikupereka malipiro anga onse kwa mwamuna wanga. Ali panjira, akupita ku supinda, akugula chakudya. Iye amadziwa kale zomwe ndikufunika kukonzekera chakudya chamadzulo. Anzanga akundiuza kuti: "Kodi mungakhale bwanji popanda ndalama?" Ndipo ndine wokondwa kwambiri! Wokondedwa wanga wandipulumutsa kufunika koti ndikudandaule: timapita naye ku sitolo - amalipira zovala zanga komanso nsalu (kapena kulephera kugula malaya khumi), amanditengera ku cafe - Nthawi zotere ndimamva ngati mfumu! Chofunika kwambiri ndi chakuti onse awiri amakhala omasuka, ndipo ndalama zimakhala zokwanira pa chirichonse.