Ngati mwatopa kubwereka chakudya cha "khumi" tsiku lomwe musanalandire malipiro anu, ngati mukufunikira kukonza zodzoladzola kapena kusintha chinthu cholephera, koma simungathe kusunga ndalama zambiri - yang'anani zochitika zomwe mukuwonetsa bajeti ya wina ndikuyesa pawekha. Momwe mungagawire bwino bajeti ya banja - ziri kwa inu, koma pali zitsanzo zokonzedwa bwino zomwe zimagwira ntchito. Chimodzi mwa zinthu zambiri, zomwe zakhala zikuyesedwa kale, zikhoza kukutsatirani. Ndipo musamazunzidwe ndi kukaikira, "ndikofunikira kapena kosafunika kusunga bajeti". Ngati mukufuna kulamulira komwe ndalama zanu zimapindula (ndipo palibe ndalama zina), mudzayenera kusonyeza chilango pang'ono ndikupanga khama pang'ono. Koma pambuyo pa zonse, kubwerera kwa 101% ya ndalama zawo ndi chinthu choyenera?
Njira zoperekera ndalama
Ndalamazo zinabwera m'nyumba. Ndiyeno? "Mu dzira", pokhalapo kale kuti munapatsidwa ulendo, chakudya ndi zochepa ndalama, ndipo mwatengapo kale kuchokera kumeneko? Kapena zingatheke bwanji? Ndani akuyang'anira ndalama mnyumba? Koma kodi amatenga zambiri pa zosowa zake? Tiyeni tiyesetse kuti tisagwirizane, tikudziwa kuti ndani akuyang'anira ndalama, chifukwa nthawi zonse pali zosankha. Makamaka m'mabanja omwe mwamuna ndi mkazi ali ndi ufulu kutaya malipiro awo: Ali ndi njira zitatu zogwirizana pa ndalama yogwirizana.
Kodi ndondomeko yotani yogawa bajeti ya banja? Pano pali njira yoyamba : "njira imodzi basi", mwachitsanzo. njira zonse, mosasamala za amene, ndi liti zomwe apeza, akuphatikizidwa. Zimatchedwa "Yathu", zomwe ndalama zimatengedwa kuti zigulitsidwe zing'onozing'ono, komanso kugula kwakukulu, chakudya, maulendo, aphunzitsi, maphunziro, ndi zina zotero.
Umu ndi m'mene zimayambira m'banja lathu. Mwa njira, tinayamikira njira iyi pokhapokha patatha miyezi isanu ndi umodzi yogwiritsira ntchito. Poyamba zinali zosokoneza kwambiri kunena kuti "Ndipo ndiwe wangati wawononga lero, wokondedwa?" Zinkawoneka ngati zolakwika, ngati kuti ukuyang'ana m'kamwa mwako ... Koma palibe, mumakonda kufunsa mafunso, komanso kusagwirizana, timapita ku sitolo palimodzi, ndipo kwa nthawi yaitali sindinagone zolemera "zopanda pake".
- Zochita: kusamvana kwa bajeti ya banja, kuthekera kumvetsetsa momwe mungagwiritsire ntchito, kudalira kwakukulu, kulingalira kwa banja lonse.
- Zomwe zingatheke: kukonzekera chimodzi mwazokha, kukangana ndi kukangana, amene ali ndi phindu lina ("inde galimoto yanu! .." - "ndipo muli pamagulu anu ...").
Wachiwiri ndi "njira ya madengu awiri", oyenerera kwambiri mabanja "oyesedwa", "maukwati apachiweniweni" ndi maubwenzi ovuta, omwe palibe chifukwa chokhulupiliranso ndi bajeti yowonekera. Pachifukwa ichi, pali "wanu" ndi "wanga", ndipo aliyense wa omwe adapeza, amapereka gawo lalikulu la malipiro a nyumba, amapereka ndalama kuti adye chakudya, ndipo amadzipezera zosowa zake m'thumba mwake.
Mwanjira iyi ndi "kumasulidwa". Ngati banja lili ndi ana, mkaziyo amadalira mwamunayo, ndipo poyerekeza ndi iye, amapeza zambirimbiri. Kapena ngati kusiyana pakati pa anthu ndizabwino kwambiri - mwachitsanzo, "wophunzira ndi wamalonda". Kuphwanya zofuna zake zidzakhala iye, ndipo adzalandira "mutu woyambirira" komanso mwayi wopeza chilango ... zosangalatsa. Njirayi ndi yoyenera kwa mkazi wolemera (yemwe ndi wolemera) yemwe amafuna kudziteteza ku gigolo, kapena munthu amene akufuna ufulu wochuluka.
- Zabwino: mwayi wochita ntchito yambiri komanso izi kuti mukhale ndi chisangalalo chochuluka kuchokera ku malipiro, mphatso zopambana kwa wokondedwa wanu "theka" omwe sadziwa za mphamvu zachuma za mnzanuyo.
- Zosangalatsa: zotheka kutsutsana ndi "hafu "yi, kusakhulupirirana, pamakangano, njira zothetsera (osati kuthetsa mkangano) kukhala" kusungidwa "ndi mkate mu bafa ndi chibwibwi" Ndikhoza, ndipo simukutero. "
Chachitatu: Monga momwe mwaganizira kale, njira ya madengu atatu ingathandize kupereka bwino bajeti ya banja, yomwe mamembala a banja amapanga ndalama zokhazokha zomwe zimawalola kuti azikhala popanda kusowa njala kapena kudziletsa okha. Zonse zomwe zimapezeka "mopitirira muyeso" za ndalamazi, aliyense ali ndi ufulu woti azigwiritsa ntchito mwanzeru.
Njira iyi ndi yabwino kwa iwo omwe ali ndi zofuna zosiyana pa lingaliro la "moyo wabwino" m'banja. Winawake akusowa chinthu chatsopano, koma wina akusowa chikhoto cha nkhosa cha ku Italy - chifukwa chiyani tikuyenera kukangana pa izi? Ndondomekoyi imapereka ndalama zochepa pa zovala, ngati mukufuna - kuwonjezera ndalama ku ndalama zanu "!"« Mabasiketi ndi matumba»
Ndipo ngati madengu atatu sathandiza? Kodi ndondomeko yotani kuti mupereke bajeti ya banja pakadali pano? Choncho, kuwonjezera pa "madengu" adzayenera kulowa mu moyo wa tsiku ndi tsiku komanso "matumba". Dzinali ndilo lokhazikika, ndipo mfundoyo ndi yosavuta: kufotokoza momveka bwino zinthu zomwe zimagwiritsidwa ntchito. Mwachitsanzo, taika ndalama zambiri mu "basketball". Tsopano zingakhale zomveka kufotokoza kuchuluka kwa ndalama zomwe zingayendere foni, zofunikira, lendi, ndi kuchuluka kwake - kwa chakudya (pamwezi komanso, malinga ndi tsiku). Mukamanena momveka bwino, zozizwitsa zomwe simudzazipeza mutagwiritsa ntchito ndalamazi.
Koma ndi bwino bwanji kugawa bajeti ya banja "pamatumba"? Kotero, momwe inu mukufunira! Kuti muchite izi, kabukhu kakang'ono ka chithunzi kapena bookbook omwe ali ndi mapepala apangidwe angagwirizane, pomwe tsamba lirilonse lilemba ndi kulembedwa. Mwa njira, munthu wina, yemwe sanafune kugawanika ndi jekete yatsopano, adayika matumba ake ambiri ku nyumba yosungiramo ndalama. Kotero, tiyeni tiwone ... Eya, ino ndi nthawi yoti tigwiritse ntchito mafoni - timachokera m'thumba lino, komanso kuchokera ku IT. Poyamba zidzakhala zovuta, mwina mukhoza kuzunzidwa ndi chikhumbo chofuna kukwera m'thumba lapafupi (ndalama zina) ndi "kupereka ndalama", kuti mugule chinachake "pansi pa mtima." Koma ndi bwino kudziletsa nokha - mwamsanga mudzapeza chizoloŵezi chabwino chokonzekera bwino ndalama zomwe sizidzasokoneza.
Yesetsani kugwiritsa ntchito ndondomeko iyi "pocket" ku "basket" yanu. Popanda kudziwa momwe mungagwiritsire ntchito, mumatha kumapeto kwa mwezi muli zosasangalatsa m'thumba lanu - kugula kotsiriza kwa magazini a mafashoni "mwadzidzidzi" kukutengerani ndalama zambiri - kodi mungatani ndiye? Dzichepetseni ndipo mufunseni mwamuna kapena mkazi wanu, makolo, kubwereka kwa anansi anu, kapena mwamsanga kuphunzira kuti muyembekezere kugwiritsira ntchito ndalama zisanachitike?