Anthu ambiri ali ndi kachirombo ka "malonda a malonda" madzulo a Chaka Chatsopano. Kawirikawiri m'masiku ochepa timalepetsa "bajeti ya banja ya mwezi uliwonse. Kukonzekera ndalama kudzakuthandizani kupeĊµa izi ndi kupanga chaka chatsopano chachuma. Kuposa ndikofunika kuwonjezerapo pasadakhale:
Mphatso ndi mphatso, zipatso za citrus,
chakudya chamzitini,
nyama yatsopano, nsomba, nsomba,
mowa,
zojambula zamitengo.
Yambani kuganizira za kugula pasanapite nthawi. Choyamba, yang'anani kuchuluka kwa ndalama zomwe mungagwiritse ntchito Chaka Chatsopano. Lingalirani chiwerengero cha alendo ndi mphamvu zawo zachuma. Ganizirani kuti ndibwino kuti musagwiritse ntchito ndalama zokwanira 25% za bajeti yaulere yomwe ilipo pokhazikitsa phwando, mphatso ndi zosangalatsa: ndalama zomwe sizinatchulidwe kuti zitha kubwereka nyumba, kuphunzira, kuchiza, ndi zina zotero.
Pali kusiyana!
Mutasankha ndalamazo, yesani kubwezera ndalamazo pasadakhale. Ndibwino kuti kumayambiriro kwa December mukhale ndi ndalama zomwe munapulumutsidwa pa holide. Musati muyembekezere malipiro a Chaka Chatsopano: nthawi tsopano ikutha kuchedwa. Kuchita chikondwerero cha ngongole sikugwira ntchito: pansi pa Chaka chatsopano palibe amene angakupatse ngongole. Taganizirani izi: Chiwerengero chonse cha chikondwererochi chiyenera kukhala 10-15% pansi kuposa ndalama zonse zomwe mumapereka. Izi ndi chifukwa chakuti mitengo ya katundu nthawi yamadzulo ikukula. Konzani ndalama zisanachitike. Musanapite kukagula, tengani ndandanda iwiri. Poyamba malondawa ndi mautumikiwa, popanda tchuthi sichidzachitike. Pachiwiri - osati zinthu zazikulu - zikhoza kugwiritsidwa ntchito ngati bajeti ya mndandanda woyamba ndi yochepa kuposa ndalama zomwe tchuthi lidaperekedwa. Njira yabwino kwambiri imapezeka pambuyo polemba mndandanda wazomwe mumayika chimodzi kapena ziwiri kuchokera mndandanda wachiwiri.
Dzifunseni nokha. Yerekezerani mtengo wa katundu womwewo m'masitolo osiyanasiyana - nthawi zambiri katundu womwewo m'malo osiyanasiyana si ofanana. Kuti mupewe kugula zosaganiziridwa, zomwe sizingapindule bwino, yesetsani "kuyendetsa" m'masitolo, kusiya chikwama chanu kunyumba. Pitani ku mawebusaiti a masitolo a pa intaneti. Mitengo nthawi zambiri imakhala yocheperapo kusiyana ndi malo ogulitsa. Kusiyana kwa mtengo wa katundu womwewo nthawi zambiri kumafikira 10%. Kutumiza katundu kungakhale kwaulere - malingana ndi kuchuluka kwa dongosolo.
Ndi mtima wanga wonse
Musachedwe kugula mphatso pa mphindi yotsiriza - izi zadzaza ndi nkhawa, kugwiritsira ntchito ndalama molakwika komanso nthawi. Lembani mndandanda wa omwe ati apatse mphatso, lembani zomwe mungakonde kupereka komanso momwe mungaperekere. Sankhani mphatso sali okwera mtengo, koma "ndi tanthauzo." Ngati ndalama zili zokwanira makhadi, perekani makadi. Pomaliza, misewu si mphatso, koma samalirani. Zimadziwika kuti chimwemwe chimene mphatsoyo imapereka sichitha kugwirizana ndi ndalama zomwe zimagwiritsidwa ntchito. Ganizirani zofuna zakuya kwa okondedwa anu. Mukhoza kupanga zokongoletsera nokha. Ndiye, ndi ndalama zosachepera, mudzatha kupulumutsa anthu omwe ali okondedwa kwa inu mokwanira ndi chisangalalo.
Zokoma ndi zotchipa
Sungani pa phwando la phwando. Yambani kusunga katundu tsopano: pafupi ndi holide, kotero iwo ndi okwera mtengo!
Nthawi iliyonse mukamapita ku sitolo, gulani chinachake kuti mukondwerere Chaka Chatsopano: botolo la champagne, bokosi la chokoleti, mtsuko wa nandolo, kotero kuti pasanapite tchuthi muyenera kugula mkate watsopano wa masangweji ndi zina zotsika mtengo. Tengani nthawi yopita kukagula. Musapite kumeneko pamapeto a Lamlungu ndi masiku asanu ndi asanu ndi awiri (5-7) chisanadze tchuthi: magulu a ogula amachoka pamasalefu kwenikweni. M'khamulo kuli kovuta kusankha choyenera, ndi kovuta kupeza uphungu kwa wogulitsa, pali chiopsezo chachikulu chogula katundu wosauka kapena wotsika.
Mu wrapper yowala
Chilichonse, ngakhale mphatso yaulemu ikhoza kupindula kwambiri polemba. Pansi ndi makapu a imvi! Nkhuta kapena mitsuko, anagulidwa kwa makolo, amavala bootti, atsekedwa ndi manja ake. Mukhoza kupereka shati kwa okhulupirika anu poziyika nokha, ndi kuika mapensulo amoto kwa mwana wanu pamutu wolembera kapena bokosi, wolembedwa ndi pepala lofiira.
Smart kunyumba
Musanagulitse zokongoletsera za Khirisimasi, yesetsani kafukufuku m'bokosi ndi Zoyeseza Zaka Zakale: mwinamwake ali okwanira kuvala nyumbayo. Taganizirani kuti mtengo wa zibangili zomwezo m'masitolo osiyana akhoza kusiyana kawiri.
Mitengo ya mitengo ya Khirisimasi m'masiku oyambirira a tchuthi akuyang'ana kumwamba, koma pasadakhale mtengo suyenera kugulidwa - udzagwa. Mtengo ukhoza kusinthidwa ndi nthambi ya pine kapena spruce ndi ma cones mu vaseti, ndipo ngati zikuwoneka kuti sizununkhira, kugula makandulo ndi fungo la singano zapaini, mafuta onunkhira "Spruce" kapena "Fir".