"Timadya bwino!"
Timadya chakudya cha 10% kuposa anthu a ku Ulaya!
Ziwerengero zosadziwika zimasonyeza kuti a ku Ukraine amadya 51% ya bajeti yawo. Mu 2009, chakudya chodyeramo chinakwera ndi 25.5%, ndipo mitengo ikupitirizabe kuwuka. Nanga bwanji, sungani pa chakudya ?! Ayi. Tangoganizani za komwe ndi zomwe timadya ndikuyambitsa bajeti ya banja ndi ndalama.
Dzenje lakuda! M'nkhaniyi, kugwiritsira ntchito chakudya kumakhala zopanda chakudya kunja kwa nyumba. Mwachitsanzo, kapu ndi keke ndi sandwich, moledzera nthawi yachisanu, zimatha mtengo woposa tikiti yawonetsero yokha (kupatula ngati simukukhala muzitsulo). Kodi aliyense amadya njala kuti banja liziyenda pakiyi? Chokoleti chosakaniza, chips ndi Coca-Cola akhoza "kukoka" mu thumba lanu kwa mazana a hryvnia. Ngati kuli kwanzeru kusunga masangweji ndi thermos ndi khofi, ndalamazi zingapewe. Nthawi yamadzulo, mumakonda kupita ku cafe? Koma anthu a ku Ulaya omwe amawathandiza samangokhalira kugula chakudya chamasikati ndi chakudya chopangidwa kunyumba. Kodi mumagula phukusi nthawi zonse kuti muwonjezerepo mankhwala? Konzekerani: cheke yanu ya pachaka yodyetsa chakudya idzakhala yoposa 150-180 hryvnia. Mwinamwake ndi nthawi yoti musinthane ndi matumba osungirako zovala zogulira? Musamangoganizira za chikwama chanu, komanso za chilengedwe! Ndiponsotu, kupulumutsidwa kwa bajeti ya banja ndi ndalama sikupweteka aliyense.
"Kuti mubwerere ku msinkhu wathunthu?" Ndipotu, mukhoza kumasuka ndipo musamathera zambiri.
Ulendowu umachokera ku bajeti yathu yokwana 10-12% ya malipiro. Palibe amene akunena kuti mpumulo ndi umene muyenera kusunga. Komabe, pa tchuthi, mungathe kukhala osangalatsa kwambiri, chifukwa makampani oyendayenda ndi awa ndipo akukonzekera kutulutsa ndalama mwachangu. Kugwiritsa ntchito ndalama paulendo wabwino kumakhala koyenera, koma kuchoka kwachabe kwachabechabe ndi manyazi.
Dzenje lakuda! Knickknacks "kukumbukira" - wopusa komanso wosokoneza. Monga malingaliro a banal kwa abwenzi, iwo sangawapangitse iwo kumverera kulikonse ndipo adzapukuta kulikonse mu chipinda. Chinthu chofunika? Zosangalatsa: m'mayiko otentha ndizovomerezeka, ndipo chifukwa chake, mtengo wamakumbukiro omwe mumakonda umatha kuchoka pa $ 5 mpaka $ 2. Mphatso, zogulidwa m'masitolo, zomwe ziri kutali ndi misewu ya alendo, zidzakugwiritsani ntchito 15-20% zochepa. "Ana aang'ono - ndalama zochepa?" Timatsegula chikwama kangapo nthawi zambiri pamene ana ali nafe. Chifukwa cha ndalama zachuma za bajeti ndi ndalama, mudzaiwala nthawi yayitali kuti ngongole zili zotani.
Kukhala ndi ana ndi zokondweretsa mtengo. Kodi timagwiritsa ntchito ndalama zingati pa ana athu? Khululukirani, ndi mwinamwake mwanjira ina yovuta kuwerengera. Ndipo zingakhale zopindulitsa: izi zimapanga ndalama zosachepera 30%, malinga ndi ziwerengero.
Ndi chinthu chimodzi - kugula zofunikira ndi zina-kuti mupitirire nazo zazing'ono za ana. Wosatha "Ndikufuna mpira!" (10-15 UAH.), "Perekani Chokoleti!" (10 UAH mu malo osangalatsa m'malo mwa UAH 5 m'sitolo) ndipo akudandaula kuti "Gulani chirichonse!" - izi, ndithudi, ndi mayesero aakulu kwa mitsempha ya makolo. Kupita ku masewero kapena zoo zingathe kusokoneza chiwerengero cha banja komanso kusokoneza maganizo a aliyense ngati simukuletsa ana. Kodi mungachite bwanji zimenezi? Mwachitsanzo, ngati mudziwa kuti mwanayo adzapempha bwalo la chokoleti, ligule pafupi ndi nyumba, komwe kulipira ndalama zochepa, ndi kuziika m'thumba lanu. Ndipo, ndithudi, sankhani, musokoneze ndi kuyankhula. Komabe, izi ndizo gawo la maphunziro, osati ndalama za bajeti ndi ndalama.
5 zothandizira zachuma
Kuwongolera ndondomeko kunyumba. Sungani macheke ndikulembera ndalama zomwe mumagwiritsa ntchito komanso bajeti yanu. Mwachitsanzo, "Accounting Home", "Home Finance."
Musasunge ndalama zambiri mu chikwama chanu. Sungani kuchuluka kwa momwe mumafunikira tsiku, ndipo mutenge nawo ndalamayi, kuphatikizapo malire pang'ono.
Kulipira ndi khadi la ndalama, musaiwale: "pulasitiki" ndalama "ikuuluka" mofulumira komanso mosavuta. Nthawi zonse fufuzani momwe nkhaniyo ikuyendera kudzera pa intaneti, kupatula bajeti ya banja ndi ndalama.
Musadule zinthu zingapo nthawi yomweyo. Dulani poyamba, mwachitsanzo, kugwiritsira ntchito zosangalatsa, ndi mwezi umodzi kapena awiri - mutadya chakudya chokwanira kunja kwa nyumba. Chizoloŵezi chopulumutsa chidzapangika pang'onopang'ono ndipo chidzakhala chokhazikika.
Lolani nokha nthawi ndi nthawi zosokoneza zabwino! Izi zidzakuthandizani kuthetsa malingaliro okhumudwa ndi kudziletsa nokha ndikuwonetseratu ndalama zochuluka mu bajeti ya banja ndi ndalama.
"Ponyani ndudu!" Kodi munayesapo kuwerengera ndalama zomwe mumazitengera ku mphepo?
Ngakhale pamene malipiro akuchepa, ndipo ena amasiyidwa opanda ntchito komanso amatha kupeza ndalama zambiri, ambiri satha kusiya kumwa mowa fodya. Iwo ali okonzeka kupulumutsa pa chirichonse, kuti athe kusuta fodya! Ndipo izi zilibe kanthu kuti kugula kwa ndudu nthawi zonse kumawononga pafupifupi 0,7% ya malipiro a wosuta. Mwa njira, akatswiri azachuma amanena kuti makampani opanga fodya akuwonjezekabe panthawi ya mavuto! Winawake amapindula kwambiri chifukwa chakuti ndife amanjenje ndi kusuta fodya-kusuta ... Koma chinthu china chochititsa chidwi: pamene munthu wosuta fodya ali ndi ndalama zambiri, chinthu choyamba chimene amamulola - amayamba kugula ndudu zamtengo wapatali. Panthawi imodzimodziyo kusunga bajeti ya banja ndi ndalama zimawombera nthawi yaitali mlengalenga, kuyembekezera nthawi yake.
"Chabwino, ndingapeze chiyani pano ngati mtengo wa paketi ndi 5-10 UAH?" Osuta fodya amayesa kudzilungamitsa okha. Koma ngati mumagula ndudu muzitsulo, konzekerani ndalama kuti mukhale ndi chizoloŵezi choipa, mwachitsanzo, mwezi udzakhale wabwino, ndipo ndalamazo zidzakhala zodabwitsa. Pogwira ntchito, tenga chowerengera ndi kulingalira momwe mumagwiritsira ntchito chaka chodzipereka nokha - chiwerengero chingakhale chodabwitsa. Mwachitsanzo, wokonda kwambiri ndudu, amene mlingo wake ulipo awiri patsiku, amawomba pafupifupi 7300 hryvnia pachaka. Chiwerengero ichi chikufanana ndi mtengo wa zosangalatsa kwinakwake mu nyumba yokhalamo yokongola ku Dnieper. Komabe, thanzi lanu ndi ndalama, nanunso ...
Nchifukwa chiyani takhala okonzeka kusiya?
Akatswiri a zachikhalidwe cha anthu adziŵa kuti mu nyengo yovuta yomwe Ukraine akukonzekera ...
1. Mowa. Zoona, zakumwa zokhazokha: mu 2009, gawo la ndalama zogwiritsira ntchito vodika ndi kanjakita zatsika pang'ono. Koma tinayamba kumwa zakumwa zoledzeretsa mowa, ngakhale pang'ono (ndi 0.1%) ... Koma kawirikawiri timagwiritsa ntchito 1.6% phindu lathu pakumwa - malo osungirako zopulumutsidwa ndiwowonekera.
2. Zipatso. Mtengo wa chipatso m'banja mwawo unakana chaka chatha kuchokera 2 mpaka 1.5%. Koma tinayamba kudya mbatata zambiri ndi zakudya zamabotolo: gawo lawo mu bajeti lathu linakula kuchokera pa 2.6 mpaka 4.2%. Economics, koma yosayenera.
3. Zaumoyo. Pa mankhwala, 14.7% a anthu a ku Ukraine adasungidwa, pa zamankhwala (mazinyo, etc.) - 8.3%.
Ndipo anthu opitirira 70 peresenti ya anthu a kudzikoli anakana maphunziro awo m'magulu olimbitsa thupi.
"Ndiyitanani, ndiyimbireni!" Koma makamaka kuyankhulana kwa mafoni kumayambiriro kunayambitsa zochitika zodzidzimutsa - kulongosola chinachake chofulumira, chofunikira.
Komabe, lero ambiri a ife timangokambirana ndi anzathu kuti tipeze nthawi, miseche ndi bwenzi, tikambirane njira yatsopano ndi mayi anga, kapena kamvanso tikumva mawu a wokondedwa. Ndiyeno timadabwa kupeza ndalama zowonjezereka m'makalata olankhulana ndi mafoni kapena kusinthanitsa ndi chizindikiro chosatha. Pachifukwa ichi, kupulumutsidwa koyenera kwa bajeti ya banja ndi ndalama sizingasokoneze.
Ambiri a ife timabweretsanso nkhaniyi ndi 15-25 hryvnia, - talingalirani, tcheru. Koma chifukwa chake, kugwiritsira ntchito paulankhulana pa telefoni kumakhala kosasinthasintha! Kuwonjezera apo, ulesi ndi umbuli zimatikakamiza kukhala pa ndalama zopanda phindu kwa zaka. Koma kusintha kwa ndondomeko ya msonkho nthawi zonse kulibe ufulu, ndipo nambala ya foni imasungidwa! Ngati mumaphunzira zofunikira pa webusaiti ya opareshoni, mukhoza kusankha njira yabwino kwambiri. Kapena tenga kusindikiza kwa maitanidwe anu otsiriza kwa miyezi ndikuwunika.
Kodi mwanayo nthawi zambiri amakuitanani? Ndi ndalama zambiri kusankha mafoni opanda malire kwa amayi ndi abambo. Agogo ndi agogo aakazi nthawi zambiri amatchula anthu awiri kapena atatu okha omwe ali pafupi kwambiri? Ogwira ntchito ambiri amapereka 50% kuchotsera pa nambala zawo zomwe amakonda. Kodi mukufuna kudziwa momwe ndalama zimayendera "kulankhula"? Sankhani ndalama zopanda malire ndi ndalama zokhazikika pamwezi: kubwezeretsa akaunti kamodzi pamwezi, mudzadziwa ndondomeko yamtengo wapatali "ndalama". Kodi mukuda nkhaŵa kuti mtengo wa foni ukukula? Imani pa malo omwe munalipidwa kale ndi wogwira ntchito (ndi ngongole ife timakonda kunena zambiri). Popeza kuti muyeso yamtengo wapatali ya mtundu umodzi wa maitanidwe amapezeka chifukwa cha mtengo wochepa kwambiri wa mtundu wina, mukhoza kupanga ndalama mwa kupeza foni ndi SIM khadi ziwiri. Musanyalanyaze zochitika zosiyanasiyana za ogwira ntchito: nthawi zambiri zimatenga miyezi itatu kapena isanu ndi umodzi, kotero phindu liri lowonekera. Ndipo muiwale za kuwongolera kulipira kwa zithunzi zilizonse-masewero a nyimbo!