Mwamwayi mulibe ndalama zokwanira - choti muchite chiyani?

Momwe mulibe ndalama zokwanira, ndizodziwika kwa pafupifupi munthu aliyense wamakono mumsewu. Mu moyo wa munthu aliyense pamakhala nthawi yomwe njira zamoyo zidzathera kale kuposa nthawi yomwe inakonzedweratu. Choncho, tifunika kumanga mabotolo ndikuganiza zomwe tingachite ngati pali kusowa kwakukulu kwa ndalama.

Zambiri zomwe zimayambitsa

Osati ambiri amatha kumvetsa chifukwa chake palibe ndalama zokwanira ngakhale masabata awiri atalandira malipiro. Malinga ndi chiŵerengero, oposa theka la nzika zaku Russia alibe ndalama zokwanira zokhalapo. Ndalama zimathera kale kwambiri kuposa malipiro atsopano. Vutoli limakhudza ngakhale chiwerengero chabwino cha anthu.

Chifukwa chake ndi chakuti kuchepa kwa banja kapena bajeti yaumwini kwakhala yaitali kwa aliyense wa ife. Ndalama zimapitirira malipiro ngakhale m'mipando ya boma - pakugawa ndalama za chuma cha boma. Cholinga china ndi chakuti anthu sakudziwa kuchepetsa zopempha zawo. Mwachitsanzo, msungwana yemwe amatha pafupifupi tsiku lonse kuntchito, amatha kulipira nyumba ndikudzigulira yekha mafuta onunkhira a ruble zikwi zisanu, kulandira malipiro a 14,000. Inde, yankho la funso la chifukwa chake kulibe ndalama zokwanira kuli pamwamba. Ndipo izi ndi chimodzi mwa zitsanzo zodziwika kwambiri. Malonda a mafoni okwera mtengo, maulonda, zokongoletsera zimayendetsa anthu kukhala ngongole ndipo zimakupangitsani kuganizira zomwe mungachite pakati pa mwezi ngati mulibe ndalama zokwanira.

Pazifukwa zomveka

Vuto loyamba ndilo kuti nzika za dziko lathu sadziwa momwe angakonzekere bajeti. Komanso, pankhani yogula, anthu ambiri amamenya pamutu, ndipo amawamasula ndi mawu akuti: "Inde, chifukwa chiyenera kukhala! Ndipo mwinamwake chirichonse chidzapangidwa! ". Kuchokera ku mtima wotero, sikokwanira kokha kokha, koma mtsogolomu komanso mimba, ndi thanzi, ndi ena a m'banja.

Ndikofunika kumvetsetsa zachuma, ndikofunika kuyang'ana njira zatsopano zothetsera mavuto. Kenaka pang'onopang'ono simungaganizepo chifukwa chake palibe ndalama zokwanira. Kubwereketsa ngongole, kuchita zosangalatsa ndi kuvala banja lonse ndizolemetsa kwa anthu ambiri. Kodi tiyenera kuchita chiyani? Konzani bajeti yanu. Ndipo apa tikuyandikira bwino chifukwa chachiwiri. Izi ndizosatheka kukonzekera ndalama zanu. Izi zikutanthauza kuti munthu pachigawo chilichonse akhoza kupeza chinthu chamtengo wapatali chomwe sichidzachita m'moyo wake mtsogolomu. Ngakhale ayi ... Adzasewera! Koma kale ndi ndalama zomwe zinagwiritsidwa ntchito, zomwe zinkayenera kuti zizikhala sabata yapitayo musanalandire malipiro.

Kumvetsa aliyense ndi wosiyana!

Musanayankhe funsoli "Palibe ndalama zokwanira zamoyo! Ndiyenera kuchita chiyani? ", Ndikofunika kumvetsetsa kuti vuto liri pati. Pali njira zambiri zowonera malo awa, omwe ndi:

1. Mawu akuti "Osati ndalama zokwanira za moyo!" Zimamveka ngati chigamulo, ngati chisonyezero chosawerengeka cha tsogolo, chimene sichikhoza kukonzedwa mwa njira iliyonse. Mu mkhalidwe umenewu, munthu wa mtundu uwu akugwidwa ndi mantha ndipo amayamba kuluma zitsulo zake kuchokera ku zinthu zopanda chiyembekezo, zooneka ngati. M'chikwama chotsaliracho chinasiya ma ruble 200 ndi kupachika ntchentche! Palibe amene akufuna kukhala muzinthu zoterezi, chifukwa chiyani zikutanthauza mazana ochepa chisanafike malipiro a munthu wokhala mumzinda? Mchere wonse ndikuti kusowa ndalama kwa mtundu uwu ndi vuto lalikulu limene silingathetse!
2. Mtundu wachiwiri wa anthu ndi wokhulupirika ku mawu akuti "Osati ndalama zokwanira!". Monga lamulo, pansi pa kusowa kwa ndalama, amamvetsetsa kuti sangakwanitse kulipira zofunika. Apa vuto silikuwoneka ngati loopsya kwambiri monga poyamba. Monga lamulo, mtundu uwu wa anthu ndi wokhulupirika ku mavuto azachuma ndipo amayesera kuwathetsa iwo ngati kuli kotheka.
3. Anthu a mtundu wachitatu ndipo angathe kukhalapo nthawi zonse zovuta. Ndipotu, vuto lalikulu, ngati palibe ndalama zokwanira za moyo, lachepetsedwa kuti sangathe kukondwerera kumapeto kwa sabata. Choncho, palibe zifukwa zapadera zodandaula.

Kuchokera pa mndandanda wa pamwambawu, tingathe kuganiza kuti yankho lidalira masomphenya a momwe munthu aliyense alili. Kwa ena, kusowa kwa ndalama ndi tsoka, kwa ena - kusowa mwayi wopeza nthawi ndi anzanu pa latte.

Chikhalidwe chachikulu cha mavuto azachuma

Ngati mulibe ndalama zokwanira kuti mukhale ndi moyo, nkofunika kumamatira ku lamulo lalikulu: musataye mtima ndi chiyembekezo. Anthu ambiri amadziwa kuti kusowa ndalama kumaphatikizidwa ndi mdima komanso kusowa chitonthozo choyenera, chimene munthu aliyense kapena banja limagwiritsa ntchito. Kawirikawiri pa nthawi ngati zimenezi, munthu wothandizira chakudya komanso wothandizira chakudya amayamba kuvutika maganizo. Monga lamulo, panthawi ya mavuto azachuma m'banja muli zifukwa zotsutsana, kufotokoza maubwenzi ndi zina zotero. Zingatheke kuti pang'onopang'ono kutenthedwa kwambiri moti sizingatheke kupatukana.

Kumbukirani kuti kukhalabe ndi chiyembekezo kudzakuthandizani kuti mukhale ndi ubale wabwino ndi okondedwa anu, abwenzi anu, abambo, akuluakulu, makolo ndi zina zotero.

Lamulo lotsatila, losafunikira kwenikweni, ndilokutenga kuchokera pazifukwa zina zochitika zabwino. Zovuta zilizonse zomwe zikuwonekera m'moyo wanu, ndizofunika kuti muwone phunziro lililonse lothandiza ndikuyesera kuti musabwereze zolakwa za m'mbuyomo. Kufufuza kwa zinthu zosasangalatsa, kuphatikizapo pamene kulibe ndalama zokwanira, kumatithandiza kupeza njira zatsopano zothetsera vutoli, komanso m'tsogolo kuti tithetse mavuto athu azachuma.

Sabata lisanafike paycheck. Kodi mungakonze bwanji moyo wanu? Oyamba atatu mu studio!

Vomerezani, khalani masiku asanu ndi awiri musanakhale malipiro popanda zosangalatsa, zovala zatsopano ndi zokopa mu mafilimu ndizoona. Ndipo ndiyenera kuchita chiyani ngati palibe ndalama zokwanira zokwanira? Mukakumana ndi zovuta, ndondomeko yamakono yapangidwa kwa inu:

1. Sungani ndalama zonse zomwe zili m'nyumba mwanu. Koposa kamodzi kokha pambuyo pa kulipira, kuchokera ku sitolo, inu mumataya katatu mu matumba anu, mukuganiza momwe izo zimalepheretsa, kuyendayenda mu matumba anu. Tsopano nthawi yake yafika. Komanso, nthawi zambiri sitidziwa momwe ndalama zamtengo wapatali zimapukutira khoma lachikwama, osapeza kuti likugwiritsidwa ntchito ndi kukhazikitsidwa kwa masabata ambiri. Kwa anthu ambiri kusonkhanitsa zinthu zoterezi kungasanduke chuma chosayembekezereka. Ndalama zomwe mumagwiritsa ntchito paulendowu, chifukwa cha chakudya chophweka, mwachitsanzo mpunga kapena mbewu zina, kapena chifukwa china chilichonse chofunika kwambiri.
2. Mukazindikira kuti mulibe ndalama zokwanira, muyenera kulemba mndandanda wa zinthu zomwe mukufuna kuti mukhalepo. Kuchokera pandandanda, ndizofunika kupatula ndalama zomwe mungathe kuchita ngakhale mutalandira malipiro. Malamulo onse omwe amafunikira ndalama zowonjezera (mwachitsanzo, ulendo ndi abwenzi m'masitolo, ulendo wa bizinesi wopita kuntchito zanu), ayenera kuchotsedwa kapena kusinthidwa nthawi ina. Ngati mumalongosola mkhalidwewo, sipadzakhalanso mavuto apadera posankha tsiku la mtsogolo.
3. Perekani zokonda mtengo, koma zokhutiritsa. Monga momwe chiwonetsero chikuwonetsera, ndiwo ndiwo masamba, zipatso, tirigu, nyama yabwino, osati ma soseji owopsa ndi zina zotero. Kotero inu simukungodzipatsa nokha chakudya, komanso kusamalira thanzi lanu.

Zotsatira zitatu

Mndandanda wa zinthu zomwe ziyenera kuphedwa panthawi ya mavuto a zachuma sizatha. Onani malamulo omwe ali ofunika kwambiri, ndi awa:

• Ngati palibe ndalama zokwanira za mwana, kuyenda, zosangalatsa, ndikofunika kuti musinthe zochita zanu tsiku ndi tsiku. Ndikofunika kuyamba kuphika kunyumba nokha tsiku ndi tsiku. Panthawi yamavuto kwa nthawi ndithu muyenera kuiwala za zakudya zopatsa chakudya kapena chakudya chamadzulo m'malo odyera.

Ngati zochitika zoterozo zikukuchitikirani ndi nthawi yodalirika, dzipangireni mndandanda wa zakudya za bajeti zomwe mungathe kudzaza m'mimba yopanda kanthu. Amayi amasiye ambiri amakhala ngati mitsuko yozizira kapena yozizira, yomwe mungathe kusunga msuzi nthawi zonse.

Zokhudza kugula katundu

Ngati palibe ndalama zokwanira, zimalimbikitsa kugula zokhazokha za nyengo. Inde, anthu owerengeka sangachite mkaka, mazira ndi mkate, koma m'nyengo yozizira, monga chipatso, mungasankhe zakudya zamagetsi ndi maapulo, osati mabomba kapena mphesa. Muli ndi mwayi ngati mukukhala kudera limene ulimi umapangidwa. Panthawi yamavuto omwewo, mukhoza kudalira zinthu zomwe ziyenera kukhala ndi mtengo wotsika.

Kuwonjezera apo, samverani ku masamulovu. Kawirikawiri, katundu ndi matepi a mtengo wachikasu akuyembekezera wogula. Ndifunikanso kufalitsa mndandanda wa zinthu zomwe zili ndi mtengo wotsika. Choncho, ndi bwino kugula 2 kilogalamu ya mbatata pamtengo wotsikirapo, osati 3 chokoleti pamtengo umodzi.

Pafupi kugula zinthu

Ngati pali vuto, muyenera kuchepetsa kanthawi kugula zinthu. Kodi mumakonda zovala ndi zovala zinazake? Ndiyenera kuyembekezera ndikuiwala zapamwamba zoterezi kwa kanthawi.

Pamene vuto likufuna kugula chinthu china, mukhoza kuchifufuza pamsika, kapena bwino - m'chiwiri. Njira yabwino kwambiri yogulitsira zochitika ndi nyengo, komwe nthawi ina mtengo wamtengo wapatali umagulitsidwa pang'onopang'ono pa 50 kapena 70 peresenti. Kugula zovala zofunikira m'nthaŵi zotere kumathandiza kupulumutsa rubles zikwizikwi.

Zovuta Zogulitsa

Ngati tsiku lililonse mukapita kukagwira ntchito kudutsa mumzindawu, mutha kusunga gawo lalikulu la bajeti kudzera pa zoyendera zonyamula anthu. Nthawi zina mtengo wamtengo wapatali kuposa mafuta omwe amalinganiza, makamaka kwa iwo omwe nthawi zonse amakhala pamsewu wopita kuntchito popanda kuthekera kulipira mafuta kuchokera kwa kampaniyo. Chabwino, pakakhala choncho muyenera kupirira mavuto osungira ndalama.

Mukhozanso kuyesa ulendo wosiyana ndi mnzanuyo. Ngati uyu ndi mnzanu wapamtima, ndiye kuti mukhoza kupereka ndi pempho. Ngati ndi mnzanu kapena wodziwa bwino, muyenera kumangopeza pang'ono ndikulowa "gawo" pamene mukuyenera kulipira mafuta.

Kugulitsa

Nzika zambiri panthawi ya mavuto zimagwiritsa ntchito ndondomeko zakale zogula ndi kugulitsa zinthu zosafunikira. Mundikhulupirire ine, mu dziko lamakono zinthu zonse zogulidwa ndi kugulitsidwa, mukungoyenera kuchita khama.

Zinthu zabwino zogulitsa ndizo: mabuku, zovala, zipangizo zapanyumba, magulu osiyanasiyana, zopangidwa ndi manja ndi zina zotero. Internet pa nkhaniyi ndiwothandiza kwambiri. Ikani zithunzi zingapo ndi malonda ogulitsidwa, ndipo ndalama zomwe mukudikirira kwa nthawi yayitali sizikupangitsani kuti mudikire.

Ntchito

Dziko lamakono lamakono linadzikakamiza kudzipereka okha ku ntchito imodzi kapena ziwiri, koma zitatu, zinayi kapena kuposerapo. Kupanda ndalama kukupangitsani kuyang'ana njira zatsopano zopezera.

Mmodzi mwa otchuka kwambiri ndi freelancing. Mpaka pano, intaneti ili ndi mwayi wochuluka, mwachitsanzo, mukhoza kuphunzitsa zinenero zakunja pa Intaneti, kulembera za sayansi kapena zachikhalidwe, zogwirizana ndi mapangidwe a malo ndi zina zotero. Maluso apadera omwe muli nawo, ndiphweka kwambiri kupanga ndalama pa intaneti.

Zowonongeka kwambiri

Ngati palibe ndalama zatsala, munthu akhoza kufika ku boma lomwe limamukakamiza kuti achite cholakwa. Kuti muteteze ku mavuto amenewa, mungagwiritse ntchito ntchito zabanki, kutanthauza kuti, kupereka khadi la ngongole.

Muzochitika izi, ndikofunikira kudziŵa kumvetsetsa kwake komanso osayanjanitsika ndi chilakolako chololeza chilolezo ndi zowonjezereka. Pogula pogwiritsa ntchito pepala ili la pulasitiki, kumbukirani kuti mudzayenera kulipira ndi chidwi. Kupanga khadi la ngongole ndi njira yothetsera vuto, popeza mabanki akhala akupindula chifukwa cha kusalidwa kwa nzika. Ngati mukudziwa kuti kwinakwake mumoyo wanu mumakhala shopaholic, samalirani zina zomwe mungachite kuti mupeze ndalama zoti mukhale.