"Sidla kahle!"
Sichitha ngaphezulu kuka-10% kokudla kunabaseYurophu!
Izibalo ezingenangqondo zibonisa ukuthi ama-Ukraine adla ama-51% esabelomali sabo. Ngo-2009, ibhasikidi lokudla lakhuphuka ngo-25.5%, futhi amanani aqhubeka ekhuphuka. Ngakho-ke, ngisindise ngokudla? Akukho mcimbi. Cabanga nje ukuthi kuphi nalokho esikudlayo bese siqala ukugcina isabelomali semindeni nemali.
Umgodi omnyama! Kulesi sihloko, ukuchitha ekudleni kudla ukudla ngaphandle kwekhaya. Isibonelo, ikhofi yekhofi ngekhekhe nesangweji, ukudakwa ngesikhathi sokuphumula, kungadla okungaphezu kwethikithi yesiboniso ngokwayo (ngaphandle kokuthi, uma kunjalo, awuhlali ezinqolobaneni). Ingabe wonke umuntu wayenqwenela ukuhamba komndeni epaki? Imiphotho ye-chocolate engabonakaliyo, ama-chips kanye no-Coca-Cola "angadonsela" esikhwameni sakho emakhulwini amaningi e-hryvnia. Uma kuwukuhlakanipha ukubeka amaswidi kanye ne-thermos ngekhofi, lezi zindleko zingagwenywa. Ngesikhathi sasemini, wawuvame ukuya e-cafe? Kodwa abaseYurophu abakwaziyo bayanqikaza ukuqasha amabhokisi amabhasi ngezinkuni ezenziwe ekhaya-ezishibhile futhi eziwusizo. Ingabe uthenga amaphakheji njalo ukuze ungeze imikhiqizo kubo? Lungele: isheke lakho lonyaka lokudla lizobe liphakeme ngama-150-180 hryvnia. Mhlawumbe sekuyisikhathi sokushintshela ezikhwama zemfashini ezenzelwe ukuthenga? Qaphela hhayi kuphela ngekhredithi yakho, kodwa futhi mayelana nemvelo! Phela, ukulondoloza okwedlulele kwesabelomali somndeni kanye nemali ngeke kulimaze noma ubani.
"Ukubuyiselwa ekuphakameni okugcwele?" Eqinisweni, ungakwazi ukuphumula futhi ungachithi kakhulu.
Ukuhambela abavakashele ukukhipha isabelomali okungenani ama-10-12% wemali engenayo. Akekho othi lokhu kuphumula yilokho okudingayo ukuze ulondoloze. Kodwa-ke, lapho uhlala eholidini, ungase uphelele ngokwengeziwe, ngoba imboni yezokuvakasha yilelo futhi ihlose ukuphambanisa imali ngaphandle kwezivakashi ezikhululekile. Ukuchitha imali ohambweni lwe-sanatorium enengqondo kunengqondo, kodwa ukushiya ikhefu ngamanye amahloni kungamahloni.
Umgodi omnyama! Knickknacks "ngenkumbulo" - uyisiphukuphuku futhi iyaphazamisa. Njengemikhumbuzo ye-banal yabangani, angeke abangele noma yikuphi ukuzwela futhi uzokhipha uthuli noma yikuphi ekamelweni. Into ewusizo? Ukuxoxisana: emazweni ashisayo kuyamukeleka, futhi ngenxa yalokho, intengo yesimbulo oyithandayo ingawa kusuka ku-$ 5 kuya ku-$ 2. Izipho, ezathengwa ezitolo, eziseduze nemizila yezokuvakasha, kuzokubiza u-15-20% ngaphansi. "Izingane ezincane - izindleko ezincane?" Sivula kaningi isikhwama izikhathi ezingu-1.7 uma izingane zikhona nathi. Ngenxa yomnotho ngamabomu wesabelomali somndeni kanye nemali, uzokhohlwa isikhathi eside ukuthi yiziphi izikweleti.
Ukuba nezingane kuyinto ebiza kakhulu. Singakanani imali esichitha enzalweni yethu? Ukuxolela, kungukuthi ngandlela-thile kunzima ukubala. Futhi kuzoba usizo: lezi zindleko zenza okungenani imali engama-30% eyitholile, ngokusho kwezibalo.
Kuyinto eyodwa - ukuthenga okudingekayo futhi okunye - ukuqhubekela phambili mayelana nezingane. Infinite "Ngifuna ibhola!" (10-15 UAH.), "Nikeza Chocolate!" (UAH 10 esikhungweni sokuzijabulisa esikhundleni se-UAH 5 esitolo) futhi unethemba lokuthi "Thenga noma yini!" - lokhu-ke, kuyisivivinyo esinzima kakhulu ngenxa yezinzwa zomzali. Ukuya esekisini noma i-zoo kungaphula i-gap ebonakalayo kumabhajethi womndeni bese uphazamisa isimo sengqondo somuntu wonke uma ungayeki ukushaywa kwezingane. Ungakwenza kanjani lokhu? Isibonelo, uma uyazi ukuthi ingane izocela ibhalela le-chocolate, yithenge eduze kwendlu, lapho izobiza khona kancane, bese uyibeka esikhwameni sakho. Futhi, yiqiniso, shintsha, uphazamise ngokukhuluma. Kodwa-ke, lokhu kakade kuyinkimbinkimbi yemfundo, hhayi ukugcinwa kwezimali kwezimali zesabelomali nemali.
5 amathiphu ezomnotho
Ukubalwa kwezindleko zasekhaya. Qoqa ukuhlola bese ubhala phansi izindleko kanye nesabelomali encwadini noma usebenzisa izinhlelo zekhompyutha. Isibonelo, "I-Accounting Home", "Izezimali Zasekhaya."
Ungagcini imali eningi esikhwameni sakho. Bala ukuthi udinga kangakanani ngosuku, futhi uthathe nawe nje le mali, kanye nomkhawulo omncane.
Ukukhokha ngekhadi lesikhwama, ungakhohlwa: "i-plastic" imali "iyahamba" ngokushesha futhi kulula. Hlola njalo isimo se-akhawunti ngokusebenzisa ibhange le-intanethi, londoloza imali yesabelomali nemali.
Ungaduli izinto ezimbalwa ngesikhathi esisodwa. Sika kuqala, isibonelo, ukuchitha ekuzijabuliseni, nenyanga noma emibili - ngokudla okulula ngaphandle kwendlu. Umkhuba wokulondoloza uzokwenziwa kancane kancane futhi uqiniseke ngokuqinile.
Vumela ngezikhathi ezithile udoti omuhle! Lokhu kuzosiza ekunciphiseni imizwelo emibi ekucindezeleni okuphoqelelwe futhi ubonise izinga elibalulekile lokulondoloza isabelomali somndeni kanye nemali.
"Phonsa ugwayi!" Uke wazama ukubala ukuthi uthola imali engakanani emoyeni?
Ngisho nalapho imiholo isinciphisa, kanti abanye bashiywe ngaphandle komsebenzi futhi bathola imali engenayo, abaningi abakwazi ukuyeka ukubhema ugwayi. Bazimisele ukugcina konke, ukuze bakwazi ukubhema ugwayi! Futhi lokhu kungakhathaliseki ukuthi ukuthenga njalo ugwayi kudla isilinganiso se-0.7% somholo wocingo. Ngendlela, izomnotho zithi imboni yegwayi ikhula kancane kancane ezinkampanini! Omunye wenza inzuzo enhle yokuthi sesaba futhi sigubha-ukubhema-ukubhema ... Kodwa enye into ethakazelisayo: uma umbheki ongenayo imali engenayo imali eyengeziwe, into yokuqala ayimvumela - iqala ukuthenga ugwayi obiza kakhulu. Ngesikhathi esifanayo ukonga isabelomali semindeni kanye nemali iqeda isikhathi eside emoyeni, silinde isikhathi salo.
"Awu, ngingayisindisa ngani uma intengo yepakethe i-5-10 UAH?" Ababhemayo bazama ukuziphendulela. Kodwa uma uthenga ugwayi emabhuloki, bese ulungisa izindleko zomkhuba omubi, isibonelo, inyanga izoba elula kakhulu, futhi imali yesabelomali izoba mnandi. Ukuze usebenze kahle, uthathe i-calculator futhi ulinganise ukuthi uchitha isikhathi esingakanani unyaka ngokwakho ngokuzithandela - isibalo singase sibe sihle. Isibonelo, umthandi othanda ugwayi, owodwa umthamo wamaphakethe amabili ngosuku, uphawula cishe ama-7300 hryvnia ngonyaka. Lesi sibalo silinganiswa kakhulu nezindleko zokuzilibazisa kwenye indawo endlini ehlelekile yokubhukuda ku-Dnieper. Noma kunjalo, impilo yakho nemali, futhi ...
Kungani silungele ukuyeka?
Izazi zezenhlalakahle ziye zathola ukuthi ngesikhathi esingazinzile lapho ama-Ukrainians ekulungele ukunikela ...
1. Utshwala. Yiqiniso, iziphuzo eziqine kuphela: ngo-2009, isabelo sokuchitha imali kwi-vodka ne-cognac kancane kancane. Kodwa saqala ukuphuza ubhiya neziphuzo ezidakayo, ngisho nangaphezulu (ngo-0.1%) ... Kodwa ngokujwayelekile sichitha ama-1.6% wemali yethu yokuphuza - indawo yokugcina imali iyabonakala.
2. Izithelo. Izindleko zezithelo emndenini ovamile zancipha ngonyaka odlule kusuka ku-2 kuya ku-1.5%. Kodwa saqala ukudla amazambane amaningi nemikhiqizo yokubhaka: isabelo sabo esabelweni sethu sesabelomali senyukile kusuka ku-2.6 kuya ku-4.2%. Ezomnotho, kodwa engenampilo.
3. Ezempilo. Emithini, ama-14.7% ase-Ukraine agcinwe, ezinsizeni zokwelapha (amazinyo, njll) - 8.3%.
Futhi abantu abangaphezu kuka-70% basekhaya bakwenqaba ukuya emakilasini amaqembu empilo.
"Ngibize, ngibize!" Kodwa empeleni ukukhulumisana kwamaselula kwakhiwa ekuqaleni kwezimo eziphuthumayo - ukubika okuthile okuphuthumayo, kubalulekile.
Kodwa-ke, namuhla abaningi bethu bathanda ukuxoxa nabangani ukuthi badlulise isikhathi, ukuhleka nomngani, xoxani iresiphi entsha nomama, noma uphinde uzwe izwi lomuntu othandekayo. Futhi-ke siyamangala ukuthola ama-round sum in akhawunti yokuxhumana kweselula noma ibhalansi ngesibonakaliso esingapheli. Kule ndaba, ukusindiswa okunengqondo kwesabelomali somndeni kanye nemali futhi akuphazamisi.
Iningi lethu ligcwalisa i-akhawunti ngo-15-25 we-hryvnia, - cabanga, i-trifle. Kodwa ngenxa yalokho, ukuchitha ekukhulumisaneni kweselula kungalawuleki! Ngaphezu kwalokho, ubuvila nokungazi ukuthisisimisele ukuhlala emalini engenzi inzuzo iminyaka. Kodwa ukuguqulwa kohlelo lokukhokhisa cishe kukhululekile njalo, futhi inombolo yocingo igcinwa! Uma ufunda iziphakamiso kumawebhusayithi opharetha, ungakhetha okukhethwa kukho kakhulu. Noma thatha ukuphrinta kwamakholi wakho okokugcina ngezinyanga futhi uwahlaziye.
Ingabe ingane ihlale ikubiza? Kungcono kakhulu ukhethe izingcingo ezingenamkhawulo kumama nobaba. Ugogo nomkhulu ngokuvamile babiza abantu ababili noma abathathu kuphela abantu abasondelene nabo? Ama-opharetha amaningi anika ama-50% isaphulelo kumanani abo abathandayo. Ingabe ufuna ukwazi kahle ukuthi ingakanani imali eya "ukukhuluma"? Khetha intela elingenamkhawulo ngemali ehleliwe yanyanga zonke: ukugcwalisa i-akhawunti kanye ngenyanga, uzokwazi ukuthi imali "yayibanjwe" kangakanani. Ingabe ukhathazekile ukuthi izindleko zefoni zikhula? Yeka ifomu lokukhokhelwa ngaphambi kokukhokha ne-opharetha (ngekhredithi esivame ukukusho ngaphezulu). Njengoba kunoma yiliphi uhlelo lokunciphisa uhlobo oluthile lwezingcingo lufezwa ngenxa yentengo encane kakhulu yomunye uhlobo, ungakha imali ngokuthola ifoni nge-SIM khadi ezimbili. Unganaki izenzo ezihlukahlukene zabasebenzi: ngokuvamile zihlala ezinyangeni ezintathu kuya kweziyisithupha, ngakho izinzuzo ziyabonakala. Futhi ukhohlwe ukulandwa okukhokhelwayo kwanoma yiziphi izithombe-ingoma-imidlalo!