Mmene mungapulumutsire ndalama tsiku ndi tsiku

Pali mawu akuti: "Ndalama imene munapulumutsa, munapindula", ndipo izi zili choncho, chifukwa anthu amapeza ndalama zochuluka zomwe zingawathandize bajeti. Nthawi zina kusungirako kuli kofunikira pamene kusagwirizana kwa kanthawi kamodzi kwa mamembala a banja, kufunikira kubweza ngongole kapena kugula kwakukulu koyambirira. Zikatero, mukhoza kubweretsa malamulo angapo osavuta.


Chinthu choyamba muyenera kuchita ndikulemba bajeti. Pali mitundu iwiri ya bajeti - chiyembekezo ndi chiyembekezo. Cholinga cha bajeti yabwino ndi chisonyezero cha kusintha kwakukulu mu zochitika zachuma. Mwachitsanzo, mwezi uno mukuwerengera payekha, zomwe zikutanthawuza kuti bajeti yanu yodalirika idzakhala malipiro ndi bonasi. Izi zikutanthauza kuti pogwiritsa ntchito ndalama mumadalira ndalamazi.

Ndondomeko yokayikirayo ikuganiza mosiyana, imachepetsa kuonjezera pazu. Ndondomeko yanu yopanda malire ndi malipiro anu okha. Koma ngati mutaganizira za izi, ndalama zenizeni ndizozimenezi, chifukwa simungathe kupeza bonasi pazochitika zomwe simungathe kuzilamulira. Ndondomeko ya mtundu uwu idzakulolani kuti mupulumutse ndalama zanu zadzidzidzi, chifukwa pogwiritsa ntchito ndalama mumadalira ndalama zochepa.

Lamulo lachiwiri, lomwe ndiloyenera kulowa m'moyo wanu, ndi ulendo wopita ku sitolo ndi mndandanda. Lembani mndandanda musanayambe kugula zakudya ndi kugula zinthu zonse kuchokera mndandanda. Ngati palibe bowa mndandanda wanu, ndiye kuti sayenera kukhala m'dengu.

Pali, ndithudi, zochitika. Mwachitsanzo, mukupita ku nsomba zachangu, muziyika pazomwe munagula, koma mwadzidzidzi mukuzindikira kuti panalibe mafuta a mpendadzuwa omwe anachoka pakhomo, ndipo popanda iwo simungathe nsomba. Pankhaniyi, timagwiritsa ntchito "ndondomeko + yoyenera" njira. Ndikofunikira, soda ndi maswiti ayenera kukhala mudengu lanu, ngati ali pa mndandanda.

Kulemba mndandanda kumakuthandizani kugula ndendende zinthu zabwino, chifukwa mukuona zomwe zikusowa mufiriji wanu. Pambuyo pa zonse, ngati muwona mapepala obiriwira m'masitolo a masitolo ndi zonunkhira zabwino za katundu, mudzakhala okonzeka kudzaza basiti anu pamtengo ndi katundu wosafunika.

Mfundo yachitatu ndikugwira ntchito pawekha. Anthu ena ayenera kuchotsa ulesi. Kodi zimathandiza bwanji kusunga ndalama, mumapempha? Chilichonse chiri chophweka kwambiri.

Anthu amapita kukagula ku sitolo yapafupi, ndi mofulumira komanso mwachangu. Ngakhale anthu ambiri amadziwa kuti pangokhala awiri (pamsewu wotsatira, pafupi ndi ntchito kapena pakhomo) pali shopu komwe mitengo imakhala yotchipa kapena pali sitolo yamphamvu ya fakitale ya soseji yomwe zinthu zomwe zimakonda kumapeto kwake zimagula nthawi zingapo mtengo wotsika. Inde, ili patali kuposa sitolo yapafupi, ndipo tifunika kubwereranso ndi matumba athunthu, koma tikuphunzira kupulumutsa, komanso kuwonjezera apo timapeza maphunziro apamwamba kwambiri mu mpweya wabwino.

Lamulo lina lokhudzana ndi ulesi ndi kuphika kunyumba. Kuyambira lero simukugula chakudya chokonzekera! Musaiwale za cutlets kuchokera kumphika wapafupi! Sungani manja anu, mugule nyama yosungunuka ndi kudabwa nokha ndi nyumba yanu yopangira chakudya. Izi zidzakuthandizani kuti muzitha kupulumutsa, komanso kuti muzitha kuwongolera luso lanu lodzala, komanso kuwonjezera kudzikuza kwanu.

Kupanda nthawi ndizofukwa. Ngati mukusamalira mwana - sungani njira yophika kukhala masewera, ndipo mwanayo - wothandizira wamkulu. Ngati mumagwira ntchito mwamphamvu ndikusiya mapazi anu kuchoka pamene mukufika kunyumba, konzekerani chakudya cham'mawa.

Okondedwa antchito a maofesi, tsopano simukudya mu cafe yapafupi ndipo musachoke ndi anzanu kuti mupange pizza, chifukwa mumaphika kunyumba ndikunyamula chakudya. Inde, inde! Ndipo kuphika kunyumba pizza zokoma ndi zokonda zomwe mumazikonda. Lolani anzako azikhala okhutira ndi chithunzithunzi chomwe chiri pa menyu ndipo khalani achisoni mwakachetechete.

Tsopano funso likukhudzana ndi kutsatsa ndi kuchotsera. Mwachitsanzo, inu munalowa m'sitolo ndi mndandanda umene muli pic. Ndipo apa iye ali, ndipo ngakhale atachoka. Chokhacho simukuchidziwa, ndipo mpunga sumawoneka ngati umene mumakonda kutenga. Ndiyenera kuchita chiyani? Ikani izo pa alumali, kumene izo zinayima! Chifukwa chidzakhala chonyoza kupulumutsa makombole 10, mumapeza mpunga, womwe umaphika kwambiri kapena sumakukondani. Kuonjezerapo, mwinamwake, mumayimitsa mpunga uwu mpaka nthawi yabwino ndikugulitsanso zomwe mukuzidziwa. Ngati kuchotsera kumapita ku katundu womwe mwayesapo kale, ndiye kuti muwone tsiku lomaliza ndi umphumphu wa phukusi, mutha kulitenga molimbika.

Zagawo ndizochitika zovuta. Mwachitsanzo, mukufunikira shampoo, koma ngati mutenga mafuta a basamu, ndiye kuti mupatsidwa mafuta a tsitsi monga mphatso. Lero - ndibwino, ndizo mankhwala omwe muli nawo pakhomo lonse. Musagule katundu mu katundu, ngati mumasunga. Chabwino, nthawi zambiri, ziyenera kukhala zopindulitsa kwambiri, mwachitsanzo, katundu awiri pa mtengo umodzi, ndi 50% kuchotsera.

Kodi mungakhale bwanji ndi zatsopano, zambiri zomwe mukufuna kuyesa? Yesani! Ngati, ndithudi, iwo ali pa mndandanda wanu wogula! Ndi bwino ngati liri chizindikiro chodziwika kapena chogwiritsidwa ntchito, chimene mwazimvapo kale malingaliro abwino.

Chinthu chotsatira chomwe mumanena ndizowononga ndalama pa katundu kuchokera ku makanema. Mosakayikira, msomali pamsana wa chibwenzi ndi wokongola komanso wokongola, koma musaiwale kuti ma varnish a mtundu womwewo angagulidwe mu sitolo yotsutsana, ndipo ngakhale theka ngati yotchipa. Komanso, palibe chitsimikizo kuti posachedwa mitunduyi idzakhala yosasangalatsa kwa inu kapena simudzakhala nawo kanthu kochita nawo. Sitiwononga ndalama!

Ngati mwazoloƔera zonunkhira za kabukhulo, ndiye kuti, chitani izi. Kapena ngati mwamuna wanu amakonda kumva kununkhira kwa mizimu imeneyi mwachindunji kwa inu, zomwe mungagule pogulitsa malonda, musadzikane nokha. Muyenera kudzipangira nokha, pamapeto chabe. Kumbukirani, ife timagula zokha zomwe timafunikira!

Kugula pa intaneti n'kofunikanso kuchita mosamala. Musakonze zinthu zomwe simukuzidziwa. Izi zimakhudza zovala, nsapato ndi zinthu zina zomwe zingakhale ndi kukula. Mitengo yapafupi m'masitolo a pa Intaneti imakhala chifukwa cha kusowa kwa malonda, kotero ngati mutagula, mwachitsanzo, foni yomwe imagula ma ruble oposa 500 pa intaneti, ndiye izi ndi zomveka. Ndipotu, mukudziwa kale mmene foni yamagwirira ntchito, sizinali zosiyana ndi zomwe zili pa sitolo yapadera. Timayika ma ruble 500 m'banja.

Imodzi mwa malamulo ofunikira azachuma: simunatenge komanso simukupereka ngongole. Izi sizikukhudza ma ruble awiri, omwe sali okwanira kwa wokondedwa pa makina ali ndi khofi, ndipo pafupifupi ma ruble oposa 100. Kukana palibe chinthu chonyenga, komanso mwa njira iliyonse yotsutsana ndi ulemu wanu. Ziri chabe kuti tsopano muli ndi lamulo latsopano. Zimakhudza anthu onse. Inu mumasintha moyo wanu. Pomaliza, mwinamwake mudzadzipweteka mwanjira ina, kuti mupereke ndalama kwa mnzako. Muyenera kugwiritsabe ntchito pazinthu zonse-palibe, ndipo anthu amasiya kukupemphani kuti muwongolere.

Malangizo awa adzakuthandizani kusunga bajeti yanu, komanso kusintha moyo wanu. Zikuwoneka, kodi n'zotheka kupulumutsa zambiri pa malamulowa? Phindu lenileni limene mungathe kuwerengera, ngati mukuganiza, ndi bwino kulemba zomwe mukufuna kugula. Ndipo ndithudi mutagula, ngati simudapatsidwa malangizowo. Chinthu chachikulu ndi nthawi zonse kukumbukira kuti ndalama imateteza ruble.