Malamulo asanu ndi awiri a chuma
Lamulo 1. Lembani ndalama zanu
Zosungiramo ndalama zonse zimagawidwa, zonse kugula zazikulu ndi kugula pang'ono. Yambitsani bukhu lapadera kapena kutsegula pulogalamu yapadera ya pakompyuta - Excel, gawani tebulo mu ma graph angapo tsiku ndi tsiku, mudzalowa zonse zomwe mumagula. Kumapeto kwa mwezi muyenera kuwonjezera ziwerengero zonse ndikupeza momwe ndalama zimagwiritsidwira ntchito pa chinthu chilichonse. Ngati mufuna kugula zomwe mungachite kunja, mudzawona ndalama zomwe mungasunge mwezi wina.
2 ulamuliro. Tikukonzekera ndikusanthula
Kumayambiriro kwa mwezi uliwonse, konzani ndalama ndi zinthu zomwe mumapeza. Munthu aliyense amalandira malipiro ofulumira, omwe ayenera kulipidwa kwenikweni, sangathe kusowa - ngongole, kubwereka, kubwereka. Ngati muwerengera ndalama izi pasadakhale, mudzadziwa kuti ndalama zotsalayo zatsala. Aliyense mu bajeti ali ndi intaneti ya "nthawi zonse" mtengo, iwo akhoza kunenedweratu. Kotero muyenera kusunga ndalama "zosasinthasintha", zomwe sizikudziwika kumene zingakwere.
Ganizirani zomwe mwagula, ganizirani zomwe mukugula ndizofunika kwambiri pakali pano, chomwe chikhoza kuyembekezera, popanda zomwe mungathe kuchita, yesani kukhala ndi moyo wanu.
3 ulamuliro. Pewani ngongole ndi ngongole
Ndalama zimakhala zosavuta kubwereka, koma zimakhala zovuta kwambiri kubwezeretsa, makamaka ngongole ndi kayendedwe kake ka chidwi. Yesani kubwezera mwezi uliwonse pogula zazikulu, osati kubwereka ndalama zambiri kwa abwenzi ndikugula zinthu mwakamodzi. Zomwe zimachitika zimakukhudzani, ndipo simungabwererenso ndalama nthawi. Phunzirani kudalira pa thumba lanu komanso nokha.
4 ulamuliro. Timapitanso patsogolo pazipizo
Ndalamayi imaonedwa kuti ndiyo njira yabwino kwambiri yopangira ndalama. Mu chiwerengero cha mabungwe odalirika a ngongole, sankhani banki ndikutsegula akaunti apo. Chotsani pa akauntiyi kuchokera pa 5-30% ya malipiro anu, mutalandira, mpaka mutagwiritsa ntchito ndalama zonse. Chikhocho chidzakhala katundu wanu wa tsiku lamvula, kapena kuti zina zogula mtengo. Zimapindulitsa kwambiri kuchotsa kumapeto kwa nthawiyo, mwinamwake simudzasowa chidwi. Pezani makalata angapo m'mabanki osiyanasiyana, simukusowa "kuyika mazira onse mudengu limodzi", pakhale pali zosiyana ziwiri. Dziwani kuti ngati vuto labanki, ndalama zanu zimakhala ndi inshuwalansi ndi boma mpaka mabiliketi 700,000. Njira yabwino ikanakhala ngati mupanga ndalama zoterezi "zotetezera", zomwe zingakhale zofanana ndi ndalama zitatu zomwe mumagula mwezi uliwonse.
5 ulamuliro. Siyani ndalama zonse pa khadi
Mukalandira ndalama pa khadi lanu la banki, simukufunika kuchotsa ndalama zonse mwamsanga. Zingakhale bwino ngati mutasiya ndalama zing'onozing'ono ndi malipiro alionse, mungagwiritse ntchito ngati simungathe kusunga bajeti mkati mwa mwezi. Popanda kusowa kwambiri, musakhudze ndalamazi. Koma pamene miyezi ingapo yapeza miyeso ingapo mu akaunti yanu, idzakhala ndalama zazikulu kwa inu, ndipo mungagwiritse ntchito mosavuta, zomwe simungathe kunena za ndalamazo.
6 ulamuliro. Kusamala, kuwerenga nthawi zonse ndi kudziletsa
Awa ndi malamulo akuluakulu atatu a chuma. Chotsimikizika kuti sikungakhale zopanda phindu kupulumutsa lero, ganizirani ndalama iliyonse, mukagula chakudya, ndipo mawa mugwiritse ntchito ndalama zonse mumasitolo.
Yesani kuwerengera ndalama zanu nthawi zonse, dzimikizeni kuti muyenera kusunga ndalama. Kusunga kuli ngati chakudya. Zidzakhala zovuta kuyamba, ndiyeno mudzazizoloŵera ndipo mudzazisunga.
Ulamuliro 7. Pangani kusanthula msika
Musati muwononge katunduyo kuchoka pa kampaniyo mwakhungu komanso mwachinsinsi. Kuti mudziwe momwe mungapulumutsire, muyenera kumvetsera zamtundu ndi mitengo. Opanga ambiri amachepetsa mitengo akamalowa mumsika kuti akope wogula. Pa nthawi yomweyi, katundu wa mankhwala ndi khalidwe sali oipitsitsa kuposa awo omwe "adapanga dzina." Samalani kusiyana pakati pa katundu wa pakhomo ndi wogulitsa, pakati pa katundu wapangidwa ndi manja ndi katundu wolemera kwambiri, pakati pa katundu wodzaza mowonjezera kapena phukusi losavuta.
Samalani kuchotsera, akubisala nsomba, zotsatira zake zidzatha posachedwa.
Kodi mungasunge chiyani?
Ndudu
Kodi mukusiya kusuta? Muyenera kuteteza thanzi lanu, ndipo mukhoza kugula zovala zamkati kuti mupulumutse ndalama. Zimamveka kuyesa.
Mu sabata, pafupifupi kupulumutsa 4 mapaketi a 50 ruble.
Mu sabata - ma ruble 200.
Mu chaka - 9600 rubles.
Nkhani
Kugulidwa kwa ma periodicals kumaphwanya kwambiri chikwama. Magazini, nyuzipepala, chifukwa chakuti mukhoza kuwerenga zonsezi pa intaneti, mukhoza kuyang'ana kudzera mu salon yokongola pamene mukudikirira nthawi yanu. Kodi mukuganiza kuti simudzakhala popanda magazini yowopsya? Ndipotu, ndi ndalamazi mungagule mwezi 10 mabuku osangalatsa ndi othandiza omwe sangakhale osatha mwezi, monga magazini anu.
Kusungirako (mapepala atatu a ruble 20 pa sabata, magazini ya ruble 100):
Mu sabata - ma ruble 160.
Mu mwezi - 640 rubles.
M'chaka - ruble 7680.
Zosakaniza
Gulu la bajeti silikukhudzidwa kwambiri ndi ndalama zochepa, zosakonzedweratu. Pali ruble makumi awiri, ruble khumi, iwe umawoneka, koma iwe ulibe ruble chikwi. Aliyense amadziwa izi. Tiyeni titenge ndalamazi. Kufunafuna chingamu, ayisikilimu, Coca-Cola, sneakers, kugula pamene mukufunadi. Ndiyeno pamapeto a chaka chachuma mungathe kulemba maphunziro a Chisipanishi.
Kusunga (3 mapepala a kutafuna gamu kwa ruble 15, zakumwa 5 za ruble 20, chokoleti 5 za ruble 15, 50 ruble kwa osauka):
Mu sabata - 270 rubles.
Mu mwezi - ma ruble 1080.
Muchaka cha 12960 rubles.
Zogula
Musapite kukachita malonda ku malo ogula ndi masitolo akuluakulu. Tengani ndi kulemba mndandanda wa masitolo mukapita ku sitolo, ndipo yesetsani kumamatira. Tengani makadi otsika. Musamachite zinthu mopupuluma, muike pambali kwa theka la ola chinthu chomwe munkakonda. Tengani maulendo kuzungulira masitolo ndikudziwe ngati mukufunadi chinthu ichi, ndipo ngati simugula, chidzapulumuka. Ngati mwagula ngongole pogula zinthu, sungani zonse ndikufufuza nthawi yanu.
Kusungidwa (1 kugula kopanda phindu pa sabata)
Mu sabata - 1000 ruble.
Mu mwezi - ma ruble 4,000.
M'chaka - rubles 48,000.
Tangoganizirani ndalama zomwe mudzakhala nazo pazofunikira ndi kuziganizira, ngati muleka kugula zinthu zopanda pake, palibe chabwino. Muyenera kusunga chikwama chanu. M'banjamo lirilonse, mosasamala kanthu za ndalama, mukhoza kukonzekera chirichonse kuti ubwino wa banja uwonjezeke, ndipo osakhala ndi malipiro. M'mabanja ambiri, theka la ndalama zimapita, sichidziwika kuti ndi njira iti. Ndinangokhala ndi ndalama, ndipo zatha. Ngati ndizomveka kuyandikira bajeti ya banja, zowonongeka izi zikhoza kuchepetsedwa kufika 10 peresenti ya ndalama zonse.
Malipiro oyenerera ndi ndalamazo zimakhala malipiro a makilomita, ngongole ndi zina zotero, ndipo ndalama zomwe zimagwiritsidwa ntchito ndi theka la bajeti.
Ndiye pali ndalama zogulira. Kwa mayi wamalonda pano ndi nyanja ya ntchito. Ndipo ngati chakudya chikugulidwa mwachidwi, ndiye kuti zigawo zambiri zamtengo wapatali komanso zovulaza zidzawonjezeredwa kuzinthu zofunika. Musalankhule za ubwino wa thanzi la mankhwala osakanizidwa, ndi okwera mtengo kusiyana ndi zakudya zopangidwa ndi nyama zakuthupi. Zili mofulumira komanso zosavuta, koma zimakhala zodula, koma ndizo chakudya chosamvetsetseka.
Mwapadera, pali maswiti osiyanasiyana, zophimba, zophimba. Zili ndi shuga wambiri, ndizovuta kwa chiwerengerocho, komanso pambali pake pali zowonjezera zowonjezera kukoma. Komabe palibe chomwe chimaganiziridwa kuti n'chosavuta komanso chabwino kuposa mkaka wowotcha ndi tchire wamba, apa mukhoza kuika shuga kuti mulawe.
Musataye msuzi. Kwa banja lonse, koyamba koyamba ndi chakudya chamtengo wapatali komanso chosasangalatsa. Zimadula mtengo wotsika mtengo kawiri kuposa mbale yachiwiri. Muyenera kudya zipatso ndi masamba. Ziri zotsika mtengo panthawi yokolola. Ndi ma mayonesi ndi bwino kusinthitsa ku kirimu wowawasa, padzakhala phindu lachiwiri kwa thumba ndi mimba. Ndi bwino kugula masamba pamsika, nkhuku, nsomba ndi nyama m'sitolo pa chomera chophikira nyama.
Popeza chakudyacho chinatulutsidwa kunja, pamakhalabe zovala
Potsutsana ndi anthu a ku Russia, chilengedwe chimatulutsa nkhanza, tili ndi nyengo zinayi, ndipo nthawi zonse zovala zimafunika. M'nyengo yozizira, simungakhoze kuchita popanda jekete pansi ndi malaya amoto, m'chilimwe popanda zazifupi ndi T-shirts.
N'zotheka kuthetsa mavuto a zachuma. Mu zovala, amayi ali ndi zinthu zomwe zakhala zazikulu kapena zazing'ono. Iwo akhoza kuperekedwa kwa achibale, inu mukhoza kugulitsa, inu mungotenga chithunzi cha chinthu ichi ndi kuyika malonda aulere mu nyuzipepala. Ndipo chipinda chimatulutsidwa kuchokera ku zovala ndipo pamakhala ndalama zochepa. Chimodzimodzinso ndi zinthu za ana, amatha kugulitsidwa ngati sakufunikanso.
Tsopano tikudziwa choti tichite ndi zing'onozing'ono kapena momwe tingaphunzire kusunga ndalama. Ndikofunikira ndipo akhoza kupulumutsidwa, chinthu chachikulu sikutembenuza nthawi kukhala mkazi wouma mtima wotsutsana. Muyenera kukumbukira kuti mudadzidula muzinthu zing'onozing'ono kuti mutenge mawonekedwe atsopano poyenda panyanja pamodzi ndi banja lonse, kapena mukufuna kugula chinthu chachikulu.