Momwe mungaphunzire kusagwiritsa ntchito ndalama zonse: zolakwika zoyambirira

Kodi malipiro anu ndi okwanira masiku atatu okha? Izi sizitsutsano kwa dipatimenti ya HR, koma ndibwino kwambiri kuganiziranso zizolowezi zanu zachuma. Kulowa mumthunzi kumapeto kwa mweziwu ndi nkhani yochepa, ngakhale malipiro anu sakugwirizana pa khadi la platinamu. Pambuyo pake, mkazi aliyense ali ndi luso lokondweretsa ndalama zambiri kuposa momwe amapezera. Zimakhala zosangalatsa kuponya ndalama kuposa kupopera kwa sopo mu bafa, koma pakadalibe zosokoneza nthawi imeneyi. Ndithudi simukukonda kukhala sabata musanafike malipiro a mkate ndi madzi, kubisa kwa okhoma ngongole ndi kusonkhanitsa zinthu zazing'ono m'matumba a jekete zachisanu. Nazi zifukwa zazikulu zisanu ndi ziwiri zomwe zimapangitsa kuti musakhale ndi ndalama zambiri. Mulibe ndalama
Ndi kutaya mwadzidzidzi kapena kusintha kwa ntchito, mudzasiyidwa opanda moyo. Muyenera kukhala ndi chigamulo cha tsiku lamvula, osachepera, kuti mutha kusankha ntchito yatsopano, komanso kuti musagwirizane ndi chiganizo choyamba (chifukwa mwagulitsa kale kamba kugula chakudya cha paka). Maphunziro ena amakulolani kuti mupeze malo atsopano muzinthu za masiku, mwachitsanzo, ngati ndinu wovala tsitsi kapena woyang'anira malonda. Koma ngati muli "katswiri pa mauthenga a intracorporate" kapena loya wolemba mbiri, ndiye kodi pali zofunikira zambiri kwa inu?

Mmene mungamenyere
Tiyerekeze kuti mungathe kufufuza ntchito kwa mwezi woposa? Yambani kukhazikitsa nokha chitsimikizo thumba pakali pano. Kupatula pa malipiro mulole pang'ono, koma ndalama. Ndipo njira yabwino kwambiri yochitira izi si kugwiritsa ntchito nkhumba ya piggy bank, koma akaunti ya banki iyenera kubwereranso (ndi kubisala khadi kutali nayo). Pachifukwa ichi, simudzakhala ndi chiyeso chophwanya banki ya nkhumba ndikuwononga ndalama zonse, kuphatikizapo, chidwi chikhoza kulowa mu banki yosungirako ndalama, yomwe ndi yosungira, koma yabwino.

Simungasunge ndalama zogulira zinthu zazikulu
Ngati mulibe ndalama zowonjezera, kaya ndi malaya atsopano kapena ulendowu, nthawi zonse muyenera kudzikana nokha kapena kubwereka ndalama. Koma nthawi zambiri zimakhala zophweka kupeza anthu pakati pa achibale-anzako-anzako-anzanga omwe ali okonzeka kubwereketsa ndalama zokwanira, ndipo ngongole zabanki sizitsika mtengo tsopano ndi chiwongoladzanja chawo chokwanira. Kotero ngakhale ngati panopa simukudziwa bwino zomwe mukufuna kugula, ingobweretsani pafupifupi 10-15% ya phindu lanu la mwezi uliwonse. Kenaka sankhani zomwe ndalama iyi idzapita - nyumba kapena matikiti a Disneyland.

Mmene mungamenyere
Konzani zonse zomwe mwagula - kuchokera ku katundu kupita ku galimoto ndi kulingalira zomwe mumagula tsiku ndi tsiku. Kuti muchite izi, mukhoza kulembera kachitidwe kachikale ka "ndalama / ndalama" kapena ntchito yogwiritsidwa ntchito pulojekitiyi, kuyambira tsopano mungasankhe ndi kukhazikitsa "ma makaunti" omwe mungakonde pa kompyuta yanu kapena foni yamakono. Ndi chithandizo chake, mudzazindikira nthawi yomweyo zomwe zimagwiritsidwa ntchito zitha kuchepetsedwa kapena kuthetseratu kwathunthu, kutulutsa ndalama "zowonjezera" kuti muwabwezeretse. Lembani pasadakhale ndalama zomwe muyenera kuzigwiritsa ntchito pa kugula kwasinkhulidwe (zovala, zipangizo zam'nyumba) ndi nthawi yogula.

Muli ndi ndalama zomwe zimatenga theka la mapindu
Ngati mumagwiritsa ntchito ndalama zanu 50 peresenti imodzi, mwachitsanzo, kubwereka nyumba kapena kubweza ngongole zingapo, ndiye kuti mukudzipatula nokha. Mukakumana ndi mavuto kapena mavuto ena azachuma, simudzakhala ndi nkhokwe kuti muchepetse ndalama.

Mmene mungamenyere
Muyenera kusintha zinthu mwamsanga. Mwachitsanzo, yambani kubwereka nyumba yochepetsetsa, mwachitsanzo, kusamukira kudera losalemekezeka, komanso nthawi yomwe mumagwira ntchito ikuwonjezereka pang'ono, koma mtengo wa kusungirako nyumba udzachepetsedwa. Kapena, ngati mungasankhe, mungathe kukonzanso ngongole, makamaka kubwereketsa ngongole yakale ndi yatsopano, ndi chiwongoladzanja cha chiwongoladzanja chabwino.

Kodi muli ndi ngongole kapena ngongole?
Ngati munabwereka ndalama zanu zazing'ono tsiku ndi tsiku, ndiye kuti mumagwiritsa ntchito ndalama mwanu, zomwe munalibe nthawi yokwanira.

Mmene mungamenyere
Ngati mutatenga ngongole yachangu, perekani zigawo zing'onozing'ono ndipo musapange ngongole zatsopano. Ngati mumalipira chiwongoladzanja, kubwezera ngongole mwamsanga, ndikudzipangitsa nokha zosangalatsa ndi zosangalatsa zambiri. Ngongoleyi ndi yolondola kokha ngati itengedwa kugula kwakukulu ndi kofunikira, mwachitsanzo, nyumba kapena galimoto (ngati simungathe kuchita popanda bwenzi lina), ndipo malipiro a mwezi uliwonse amaposa 40 peresenti ya phindu lonse la banja. Ngati mumagwiritsa ntchito khadi la ngongole, bweretsani ndalama ku banki panthawi yachisomo popanda chidwi (monga lamulo limasiya masiku 40-60).

Ngati mumagula zinthu mosasamala komanso osaganizira za ndalama zomwe mumagwiritsa ntchito, nthawi zonse mumakhala pansi, mosasamala kanthu kuti mumapeza ndalama zochuluka bwanji.

Mukudalira ngongole ndi chiwerengero cha 0%
Pansi pa malamulo a Russian Federation, ngongole yabanki siingaperekedwe peresenti yomwe ili yochepa kusiyana ndi mlingo wa refinancing. Lero ndi 8.25%. Ndipo ngati zikuwoneka kuti iwe umatenga ngongole ku 0%, ndiye kuti uwerenge mgwirizano bwino, kapena kuti peresentiyi yaphatikizidwa kale ku mtengo wa katundu, komwe sitolo imapereka mokongoletsa "ngongole".

Mmene mungamenyere
Pemphani mosamala zomwe mukusindikiza, makamaka zolembedwa muzolemba zochepa ndi kuyerekezera mitengo, musanalowe mu ngongole, ndizotheka kuti chinthu chimodzimodzi mu sitolo ya pa Intaneti ndi yotchipa kusiyana ndi chomwe chimayang'ana pawindo la sitolo ndi chizindikiro choyesa " ngongole yopanda chidwi. "

Mukuzimitsa ngongole imodzi mothandizidwa ndi wina
Kodi muli mumkhalidwe woterewu kuti mutenge ngongole yatsopano kuti mulipire chakale? Izi ndizovuta kwambiri. Dongosolo lovuta, limene n'kosatheka kuthawa.

Mmene mungamenyere
Limbikitseni kudzikaniza chirichonse, khalani pansi pa mkate ndi madzi, mutenge nthawi yochuluka, koma musatenge ngongole zatsopano. Apo ayi simungatuluke m'bwalo la ngongoleyi.

Nthawi zambiri mumagula zinthu zosafunikira
Mumakonda kwambiri nsapato za m'chilimwe, ngakhale kuti sizing'ono zanu, ndipo mudagula mawiri awiri sabata yatha. Koma mungadzikane nokha bwanji zosangalatsa zomwe mukuyenera? Koma kokha kawirikawiri mukakhala ndi chisangalalo chafupikitsa, zimakhala zokhumudwitsa kwambiri, mukadali ndi nthawi yaitali, musanalandire malipiro, ndi ndalama zonse zomwe munatumiza ku "kavalidwe kodzikongoletsera" ndi "zofunika kwambiri (chotsatira cha 10)."

Mmene mungamenyere
Musati mudzilimbikitse nokha kugulira kosafunikira. Pamapeto pake, mumsika m'malo mwa sitolo mungathe kupita ku cinema kapena kusambira pa ayezi opangira. Zogula zosaganizidwe - zokhazokha. Kut kutsiriza - chinthu chotsiriza.