Sitikudziwa momwe tingasungire ndalama. Izi ndi zoona. Moyo pa ngongole unalidi mtundu wokhalapo wokhawokha, komabe, vuto lachuma linapanga kusintha kwake kwa moyo wathu wokhazikika. Choncho, choti muchite ngati chinthu chokha chomwe mukuyembekeza ndi malipiro anu. Apa phindu lothandiza kwambiri momwe mungapulumutsire ndalama lidzafika poyera mpaka pano ...
Kodi ndalama zimapita kuti?
Poyankha funso ili, mukhoza kumvetsa chomwe chimakupangitsani kuti muthe ndalama zambiri. Kuti tipeze zosowa, timathera ndalama zathu ndikuzipeza zina.
ZOCHITIKA
✓ Kugulidwa kwa mankhwala (kamodzi pa sabata pa mndandanda / zogula tsiku ndi tsiku)
✓ Kudya ndi kudya kunja kwa nyumba (restaurant / chipinda chodyera)
Zina: nthawi zina timayenera kukumbukira mwambo wabwino wakale wotsegula masiku. Dzikhazikitseni lamulo: kawiri pa sabata kuti musamapite ndi aliyense ku cafeteria kapena cafe yapafupi, koma, mwachitsanzo, kubweretsa chakudya kuchokera kunyumba kapena kukhala pa kefir.
KUCHITA, KUWONJEZERA NDI KUTHANDIZA
✓ Malipiro a ngongole ku nyumba ndi ena
✓Taxes (ya nyumba, galimoto, etc.)
✓ Kutumiza kwa anthu (kugula matikiti / kugula tikiti kwa mwezi)
✓Kuthandizira galimoto
✓ foni yam'manja ndi intaneti
Njira ina: tsatirani ndalama zomwe mungagwiritse ntchito (posankha ndalama zambiri), komanso ntchito za opereka intaneti ndi makampani apamwamba. Ena a ife, chifukwa cha ulesi ndi umbuli, akhala akukhala pa msonkho kwa zaka, zomwe kale sizilipo, ndipo ogwiritsira ntchito awo ali mwakachetechete, popanda phokoso, lotembenuzidwa mu zamakono, osati zopindulitsa kwambiri. Musagwiritse ntchito malo opatsirana pogwiritsa ntchito gasi: fufuzani imodzi ndi mafutawo, ndipo mtengo ndi wovomerezeka. Komanso, nthawi zambiri mumayenda.
UTHENGA NDI KUKHALA
✓ Mankhwala ndi mankhwala olipidwa
✓ Kugulidwa kwa zovala zofunika ndi zovala
✓Chulukitsani chovala chanu
✓Cosmetologist
✓Muzipatala
✓ Mafilimu a masewera (kuvina, yoga, etc.)
✓Salons of beauty
Njira yina: njira zambiri za salon zingasinthe bwino ndizofanana ndi zapanyumba. Ngati mukuwopa kuti muzitha kusokoneza kapena kudzidetsa nokha, musasinthe saluni yanu yokongola kuti mupange ndalama zambiri. Kuonjezera apo, mu salons ambiri, pali masiku pamene kuli kovuta kudula tsitsi lanu kapena kupanga chojambula (ngakhale, wophunzira wa mbuye). Zomwezo zimapita ku masewera a masewera. Ngati simunakonzekere kupita kumaphunziro a kunyumba kwa matepi a kanema, yesetsani kupeza kampu yotsika mtengo.
ZOKHUDZA
✓Khola ndi malo odyera
✓ Mafilimu ndi mafilimu
✓Concerts ndi mawonetsero
✓Kusintha
Njira yina: m'malo mwa maulendo odyera ndi malo ogulitsira misonkhano. Mwa njira, izi ndizo mafashoni padziko lonse lapansi. Ndipo, ndithudi, sitiyenera kuiwala za magawo otsika mtengo m'mawailesi, mawonetsero aulere ndi bajeti zitatu-nyenyezi mahotela, maulendo a basi ndi maulendo oyaka moto.
EDUCATION
✓ Misonkho yobwezeredwa ndi maphunziro
✓Maphunziro a ana
✓Chuma ndi alangizi
✓ Mabuku (zolemba / mabuku / magazini)
Njira ina: ngati mupeza maphunziro kuti muwonjezere chidziwitso chanu, ndipo musayikenso "kutsetsereka" pa alumali, mukhoza kuphunzira mosavuta nokha. Masiku ano, pa intaneti, mungapeze zipangizo pa phunziro lililonse ndikuchita popanda aphunzitsi. Mabuku, magazini ndi nyuzipepala, komanso mafilimu ndi nyimbo, zimatha kuwomboledwa pa intaneti kapena kubwereka ku makanema, makalata a makanema ndi abwenzi. Wotchuka pa nthawi yovutayi ayenera kukhala "bookcrossing" (plying books): ophunzira ake, atawerenga bukuli, achoke pamalo oonekera, ndipo aliyense angathe kutenga.
Tikufunafuna "ndalama"
Ena a ife sitikufuna kutsatira malangizo othandizira momwe tingasungire ndalama. Inde, palibe amene akufuna kusiya "moyo wokongola". Choncho, ndi bwino kubwezeretsanso lingaliro lomwelo. Tsopano tifunika kuchita khama kuti moyo wathu usasinthe kwambiri.
ZOCHITIKA: ZOTHANDIZA ZABWINO, ZABWINO
Zidzakhala zoipa ngati chokoleti, maswiti, mikate, cookies, chips, crackers, chakudya chamzitini, saladi kuphika sichikupezeka pa mndandanda wa mankhwala? Komanso, mukhoza kuchepetsa chiwerengero cha zinthu zomwe mwagula. Ambiri a ife timadya zambiri kuposa momwe thupi limafunira, ngati tiyerekezera kuchuluka kwa chakudya ndi kuchuluka kwa makilogalamu omwe amadya.
AZIWERENGA
Mwinanso kugula mankhwala osakaniza kumakupulumutsani nthawi, koma muzitsulo zonse za pulasitiki zomwe zimasungidwa kuti zisakudziwe momwe izi zidzakhudzire thanzi la banja lanu. Gulani zinthu zotsika mtengo (mbatata, kabichi, kaloti, etc.) ndi kuphika chakudya nokha. Ndipo mchere umatha kuphika pie-charlottes kuchokera ku zipatso zamtengo ndi zipatso zotsika mtengo pa nyengoyi.
MALAMULO A BUYER
Kuti musagule zinthu zambiri zosafunika mu sitolo, ndikwanira kukumbukira malamulo angapo.
• Musapite ku masitolo chifukwa cha chidwi.
• Sankhani sitolo yachuma (hypermarket), yomwe pafupifupi pafupifupi zonse zimagulitsidwa.
• Gulani katundu wamakina osungidwa nthawi yaitali.
• Mbatata, kaloti, beets, pickles ndi jams ziyenera kugulitsidwa zambiri pamtengo wapatali (mukhoza kusunga masamba m'chipinda chapansi pa nyumbayi kapena pamalo okonzedwa pakhomo, etc.).
• Pitani ku sitolo, pokonzekera mndandanda wa zomwe mukufuna kugula: pakuti, mkati mwa sabata, lembani chirichonse pa pepala lapadera.
• Musagule zinthu zazikulu popanda kukonzekera - pamaziko a malonda kapena pa mfundo ya "kutambasula mkono". Musanagule chinthu chofunika kwambiri (chotsuka choyeretsa, kamera, sofa, etc.), fufuzani pa intaneti - fufuzani ndikuyerekeza mitengo, fufuzani maulendo okhudza mtundu wa zitsanzo, pitani ku msika wamagetsi.
Kulamulira konse
Monga mukudziwa, ndalama, ngati ndalama siziyendetsedwa, zili ndi "zokwawa." Kawirikawiri izi zimachitika chifukwa cha kudzikuza kwathu komanso kusasamala.
KUKHALA NDI MUNTHU "KUCHITSA"
Kodi nthawizonse mumaseka agogo aakazi omwe amaika ndalama mu "bokosi"? Tsopano pali mwayi kuti iwo adzaseka inu! Kupatula ngati, mumakhala ndi chizoloŵezi chabwino chopulumutsa 10% ya malipiro anu.
MYSELF ACCOUNTANT
Kuti mukhale ndi ndalama zabwino m'banja mwanu, muyenera kufufuza zomwe mumapeza komanso zomwe mumagula, komanso momwe mukukonzekera (monga momwe olemba akaunti akuchitira kuntchito). Mungathe kutenga pepala (kapena granary book) mwanjira yakale ndikuyamba kulembera chiwerengero cha ziwerengero, koma lero pali njira yabwino: mapulogalamu a makompyuta otalika komanso otsimikiziridwa kuchokera ku "Nkhani Zakale za Akaunti". Nthawi zambiri zimapangidwira munthu wamba: ingolani deta yonse yofunikira, ndipo pulogalamuyo ikukupatsani zambiri zomwe mukudziŵa. Chosangalatsa ndi chakuti katundu yense ndi mitengo imalowa mudothi (mu ndalama zomwe mukusowa): m'tsogolomu, ngati mukumwa malo omwewo, mufunika kungolowera kuchuluka kwa katunduyo. Kumeneko kuli kosavuta kulembetsa ndi kusindikiza mndandanda wa katundu ndi katundu wa banja. Musaiwale: ndalama ziyenera kuchitidwa mosamala!
Timakiti tating'ono tothandiza kusunga ndalama
✓Chulukitsani makadi osungirako makhadi ndi anzako ndi abwenzi - kotero mudzawonjezera kwambiri malo omwe mungalandire kuchotsera ndi zopindulitsa.
✓Gwiritsani ntchito mapulogalamu aulere. Linux mmalo mwa Windows, Tsegulani ofesi m'malo mwa Microsoft office, ndi zina zotero. Pafupifupi mapulogalamu onse ali ndi mafananidwe aulere, osakhala otsika mu ntchito.
✓ Nthawi zonse musunge makadi ndi ndondomeko makhadi - akhoza kukuthandizani.
✓Salani makalata pamadzi, gwiritsani ntchito nyali zopulumutsa mphamvu ndikupanga nthawi zonse
kusungirako pang'ono mu nyumba (ngati simukufuna ndalama zambiri).
✓Sikani pulogalamu yaulere ya Skipe ku kompyuta yanu ndikusunga pamtunda wautali ndi mayitanidwe apadziko lonse.