Kodi tchuthi yotsika mtengo kwambiri kunja kwina kuli kuti?

Tchuthi liri pafupi, koma palibe ndalama ... Zingatheke kuti mupumule bwino, kuti mupeze zosaiŵalika za ulendowu komanso panthawi yomweyo kuti mupewe ndalama zosafunika! Muyenera kukonzekera pasadakhale ndikuganiza za bajeti yachinyumba, sanakonzekere komwe tchuthi yotsika mtengo kunja.

Zamkatimu

Nthawi yadutsa! Mwezi umodzi usanafike tchuthi

Pali njira zambiri zing'onozing'ono zomwe zingakuthandizeni, osasintha khalidwe lanu la tchuthi, kuti asinthe ndalama zomwe zimagwiritsidwa ntchito. Chinthu choyamba chimene muyenera kusankha pazimene zimakhala zotsika mtengo kupita kutsidya lina ndikusankha pamene mudzachita. Ngati mwaika ntchitoyi kupuma pa mtengo wotsika mtengo, simudzasowa kupita kutali-pamtunda pa nyumba yamudzi. Koma mutakonzekera ulendo wopita kunyanja kapena kunja kwina, mudzafunika kuchita zambiri. Nthaŵi yaulendoyo imadalanso ndi mtengo wake. Ngati mumapita-nyengo, mungathe kupulumutsa zambiri, koma ngati mumangirizidwa ku masiku ena (mwachitsanzo, ku tchuthi kapena ku tchuthi la mwana), khalani okonzeka kulipira zambiri. Ngati simukugwiritsidwa ntchito ku bungwe loyenda, ndipo mukukonzekera zonse nokha, mudzapulumutsa mpaka 20-30% mtengo wa ulendo. Komabe, pakadali pano muyenera kutenga matikiti , hotelo ndi kukonza chikhalidwe cha chikhalidwe. Koma pamodzi ndi izi, ulendo wodzisamalira sizingokupulumutseni, komanso ikani maulendo anu monga momwe mukufunira.

Nthawi yadutsa!

Miyezi ingapo musanatuluke kudziko lakutali, muyenera kuyamba kusunga gawo la malipiro anu kuti mupulumutse ulendo. Koma choyamba muyenera kudziwa komwe kuli tchuthi kotsika mtengo kunja. Mwinanso, mukhoza kutsegula ndalama ku banki. Yambani kutsata mlingo wosinthanitsa tsopano, ndiye kuti mugule ndalama zaulendo pa njira yabwino.

Gulani mawotchi ophulidwira ndikulemba chirichonse pasadakhale. Mabungwe ambiri amapereka malingaliro pa maulendo asanakhale nyengo. Ndege za ku Ulaya zidzakhala zotsika mtengo Lachiwiri, Lachitatu, Lachinayi m'mawa kwambiri kapena madzulo. Ngati muwalemba, mwezi umodzi, mudzasunga zambiri. Koma nthawi zina mukhoza kugula matikiti otsika mtengo ndipo posachedwa ndege isanakwane - ngati muli mipando yosadziwika (izi sizothandiza pa mtengo wotsika).

Ngati maulendo opuma apanga gawo lalikulu la pulogalamu yanu, zimakhala zopindulitsa kwambiri kuti mugule malo oyendayenda pa bungwe loyendera maulendo, omwe, makamaka, ndilo loperekera mawonetsero ndi museums mumzindawu.

Mwezi umodzi isanafike tchuthi

Tchuthi lopanda malire kunja kuli kotheka, chinthu chachikulu ndicho kukonzekera. Konzani zolemba zonse zofunika pa ulendo. Tsegulani akaunti yanu ku banki musanapite kudziko lina.

Phunzirani pasadakhale zomwe muyenera kuchita ndi inu kuti musagwiritse ntchito ndalama zosagulidwa. Funsani mitengo kuti mumvetse bwino momwe mufunikira.

Lembani mndandanda wazinthu zomwe mumagwiritsa ntchito ndikuzigwiritsa ntchito kuti mupange bajeti ya ulendo wanu. Zinthu zovomerezeka: ulendo, malo ogona, chakudya, maulendo (zosangalatsa), mauthenga apakompyuta, zikalata.

Mlungu umodzi musanapite kudziko lina. Musachedwe kugula zinthu zofunika kuti mupite kumapeto. Magazini, Panama, magalasi ochokera ku dzuwa ndi zinthu zina zofunika ndi bwino kugula pasadakhale. Koma zinthu zina, monga zodzoladzola ndi zonunkhira, zingagulidwe pa masitolo opanda ntchito.

Onetsetsani kuti mukuyendayenda pa foni yanu, funsani za msonkho ndipo musaiwale kuti mubwezereni akaunti yanu.

Nkhani zachuma

Kupita ku mizinda ikuluikulu ya ku Ulaya kunja, yesetsani kukhala mu hotelo kunja kwa mzinda - ndi ndalama zambiri, ngakhale kulingalira mtengo wa kayendedwe.

Fufuzani mlingo wosinthika kwambiri. Mfundo zosinthanitsa pamabwalo a ndege, magalimoto, mahotela nthawi zambiri sizipereka zinthu zabwino. Phatikizani njira zosiyanasiyana zolipira - ndalama ndi khadi lolipira. N'zoona kuti nthawi zina malonda amachokera, koma nthawi zonse mumapempha za kuchoka. Pitani kuchipatala chothandizira alendo, kumene simungaphunzire zambiri zowunikira, pangani ndondomeko yamtengo wapatali, koma mungagwiritse ntchito Intaneti.

Ngati mumagula zinthu zambiri kunja, onetsetsani kuti mufunse kufufuza kwa msonkho, zomwe zimakulolani kulandira ndalama za VAT (10 mpaka 20% ya mtengo wogula) za katundu wogula kunja. Mukhoza kuwubweza ku bwalo la ndege pamene mutuluka panyumba.

Kumbukirani , pali zinthu zomwe mungathe ndikusunga kunja kwina: zakudya ndi zakumwa ku eyapoti, kuyitana kuchokera ku hotelo, zochitika zochepetseka, zithunzi zolipira. Koma pali zinthu zogwiritsira ntchito zomwe sizili zoyenera kupulumutsidwa, choncho musamapangire pa hotelo yabwino komanso malo abwino, osadya chakudya chimodzi mudyera, malo osangalatsa.

Kodi ndi mtundu wanji wa chiwongoladzanja chomwe chiyenera kuperekedwa paulendo komanso pa tchuthi? Pali njira zingapo: ndalama mu ndalama ndi hryvnia, makadi a banki ndi oyendayenda. Zopindulitsa za khadi patsogolo pa ndalama ndi zingapo: simukusowa kutenga ndalama zambiri; pamene mukuwoloka malire, simukuyenera kufotokoza ndalama zonse; Mudzapulumutsa pazengerezi ngati mukulipira ndi khadi. Ndipindulitsa kwambiri kutsegula khadi la ndalama mu ndalama zomwe muli nazo zofunika. Ndikofunika kukumbukira kuti pakuwerengera khadi pamalonda ogulitsira, banki silichotsa msonkhanowu, monga mwachitsanzo, kuchotsa ndalama kudzera mu ATM. Choncho, gwiritsani ntchito khadi kuti muthe kugula, komanso kuti musatenge ndalama. Ndalama yanu ya hryvnia ikhoza kubwezeretsedwa ndi achibale anu ku Ukraine, ngati kuli kofunikira. Chinthu chinanso chothandizira kutetezera ndalama, komanso kutsimikiziridwa kwa ndalama zowonongeka ndizo maulendo oyendayenda, omwe angagulidwe ku banki. Monga njira yobwezera, iwo amalephera kwambiri, ndipo mukakhala ndi ndalama muyenera kulipira ntchito. Inde, muyenera kukhala ndi ndalama ndi inu.