Points of the budget
Kuti mari igare yakakwana uye zvinhu zvose, iwe unofanirwa kuumba bhajeti yemhuri. Chidzidzo hachina kuoma, dzimwe nguva chinonakidza, asi chinonyanya kukosha - chinobatsira zvikuru. Saka, une mubhadharo. Anorara muhomwe yake, anofadza kugunzva nemitengo mitsva, kana pa kadhi rebhangi - hazvina basa. Tinotora zvinhu zvose zvakavimbika uye tinotanga kugovana.
1. Dzorera 10-15% yevakagamuchirwa - iyi ndiyo mari yaunoponesa zuva remvura, motokari kana rwendo kuenda kugungwa. Iwe unoti, iwe unenge usina mari yakakwana, uye hapana chakakosha kubva pairi "nekuda kwekupedzisira", usazvidya mwoyo - kana ukaronga zvakanaka, pachava nemari yakakwana, uye iyo yakakurumbira 10% ... Fungisisa zvine musoro: kana mari yako inowanikwa kamwe kamwe ne 10% Pashure pezvose, iwe unogona kurarama kune 90% yakasara? "Hongu, iwe unogona.Hakuchina mubhadharo uyo usingakwanisi kubvisa chikamu chegumi zvisina maturo (apo mubhadharo wakaenzana nekuchengetedza zvishoma, hatisi kufunga nezvazvo.) Hazvina maturo kudzorerazve zvinopfuura 15% zveakawana mari. Iwe unobata mukati memaitiro evhiki, maviri, zvichida - mwedzi Asi iwe iwe uchakundikana uye kuderedza zvose zvakakonzerwa mumutambo wekutanga.
2. Tinoisa mune imwe envelopu yega 1-2 mazana hryvnia nokuda kwezvamanikidzwa mari. Iwe unobhadhara mwedzi woga wega yeimba, yekorogi, Indaneti ... Ipai mari iyi pakarepo! Kana uchiri kupa mari, zviri nani kusavimba nazvo pakutanga.
3. Tinotora kalendari iri muruoko uye tinoona kana zvisingatarisirwi kuti mumazuva makumi matatu anotevera jubheri, michato nemimwe mhemberero ichaitika pakati pehama neshamwari. Nokuti kana zvichifanotaurwa, saka zvechokwadi uchafanira kutenga chipo. Isu tinogadzira imwe enveloppu uye tinoisa pfumbamwe mari, iyo, kune rumwe rutivi, haisi tsitsi, kune imwe - haisi kunyadzisa kushandisa mari.
4. Ndeapi vasara varipo? 5000? Vaviri? Chiuru? Iyi ndiyo yako yaunoshandisa ikozvino, mari yauchazoshandisa kwemwedzi. Izwi guru pano ndi "mwedzi." Kana isu tisingarangariri arithmeti yechikoro chechipiri, kana zvisingaiti, isu tichabatsira iyo kuverenga, kugovera mari yakasara kwemazuva makumi matatu.Mari yakagamuchirwa ndeye muwandu wemari yako yezuva nezuva.Ono unoziva: kuitira kuti usabve mubhajheji, Ichokwadi kuti iwe unogona kupedza zvakawanda - isu hatisi robots, asi tiri vapenyu, asi mumazuva mashomanana anotevera tichafanira kuderedza zvido zvedu kuti "tidzokere purogiramu."
Yakarongedzwa zvakadzama
Asi zvinowanzoitika kuti mari inoshandiswa, asi kuchine mari yakakwana. Tinotanga kuyeuka zvakadzama zvisiri izvo. Yeuka mazwi eimba rwiyo rwevana vanofara: "Kana pane bhodhi duku, mapurisa maviri, pachava nehanho, shoko rimwe chete, mazwi maviri - kuchava nerwiyo"? Heinoi: imwe cheku gum haina maturo, uye chewing gum, chokoti, makiki uye bhodha reodhadha vatove 40- 50 hryvnias.We tinopa mari yezvinhu zviduku pasina kufunga, uye pano imwe nguva inokosha inokosha yepfungwa inoshanda. Mutengo wechinhu chiduku (chewing gum, chokoti) inoratidzika kwatiri shoma kudarika iyo chaizvoizvo.Tinotenga nyore nyore mutsva foni itsva. Uye makumi zana funga usati watenga, somuenzaniso, n Bhokisi idzva revashandi muimba yekurara - nenzira, inodhura kudarika foni.
Chete chebhokisi revatemi - rakafanana nehomwe huru, asi foni ... Vaiti vanoziva chinhu ichi chepfungwa uye vanochishandisa-kubudirira pavanotenga chinhu chiduku, funga ka gumi, unoda kusimiswa kutsva foni Hongu, pano nokuda kwehritnas iyi 40-50, iyo inogona kunge iwe unogona kutenga mapepa, kana makirogiramu mashoma emaapuro, kana mabhuku maviri akanaka. Kuti unzwisise kuti mari inoenda kupi, iwe uchafanirwa kutarisa iwe pachako mari yekunenge mwedzi. Kudzoka kubva kuchitorosi - isa cheki mubaba chaiye kana kunyora pasi mari yako mune rimwe bhuku rine "kuverenga kwekugara." Kana kuti chengetai diary yezvinhu zvinoshandiswa pane imwe yeIndaneti zvinyorwa (ingoisa mujini yekutsvaga "home accountant" - uye sarudza nzvimbo yakanakisisa iwe iwe). Pakupera kwemwedzi, iwe unogona kuona kuti mari yako yakawanda yakaenda sei kune zvekudya, zvakadini-kuvaraidzo, zvakadini - kufamba kana kubhadhara zvinhu zvekubatsira. Kunyanya kufunga.
- Pakutanga, ndakafunga kuti: Ndichasiya chidzidzo ichi mumazuva mashomanana, - Elena anoyeuka, amai vevana vaviri, - asi ini ndinorwara zvakanyanya sabata rapfuura ini nomurume wangu tisati tagara macaroni uye tinwe tii pasina makiki. Ndaiziva kuti yaiva mhosva yangu. Uye ndakasarudza: kwemwedzi ini ndichava nechokwadi. Iye zvino yava mwedzi mitanhatu, uye ini ndichiri kuchengetedza rondedzero yemari. Yakanga iri mutsara unofadza! Nenzira, ikozvino mumazuva okutanga ndakatanga kupedza zvishoma: pfungwa yeiyo yaizofanira kuiswa mumutengo wekutsvaga purasitiki yakatengwa kamwechete kana mukombe wekofi mune imwe mushambagitari cafe pakarepo yakamira ruoko. kutambanudza chikwama. Sei ndichifanira kunwa kofi muchitoro kana ndiri musha mumaminitsi gumi nemashanu? Uye ini ndinoda bhandi ye 30 hryvnia here? Zvakanaka, pandakatanga kuongorora, ndakaona kuti chikamu chekuwana mari yakashandiswa pazvinhu izvi zvisina zvazvinobatsira. Isati tadzidziswa kune nguva dzose "Ndinoda kutenga." Iye zvino tiri kuedza kuvatsanangurira kuti mari ndicho chigadzirwa chekupedzisira uye zvakakosha kuti uzviparadze nemafungiro.Kunyange zvakadaro, pakange pasina misodzi, asi isu tiri kubatira. Regai vakomana vari muhucheche vadzidze kushandisa mari zviri nani , kupfuura vanhu vakuru vacharamba vachifamba pane rimwe chete.
Kwete zvikamu!
Zvakanaka apo mari inoshandiswa mumhuri "iri pamwe chete." Uye kana mumwe munhu ari pachena, uye wechipiri ndeye skuperdyay kana zvakakosha kuti mumwe atenge mutsva mutsva mwedzi wose, uye kune wechipiri, chinhu chitsva chekombiyuta? inogadziriswa chete - zvakakwana kungozvibvumira kuenda "kunze kwemiganhu yekuziva". Ndiudze, sei iwe uine chikwama chakafanana nemurume wako? Hazvina kunaka kune iwe kana iye. Asi izvi zvinogamuchirwa, naizvozvo, mwedzi woga woga anokupa zvachose mubhadharo wake (asi, hongu, achizviisa pacheche yakadzika), uye iwe, uchitarisa mari yose, pakati pemwedzi, unosangana kamwe kamwe nekrete yakasimbiswa: "Ndichatora hryvnia yako 50 - pamusi weSan Sanych. "Saka nei iwe uchida" kapu yakawanda "? Zvibvumira kurarama nenzira yakakunakira iwe!
Semuenzaniso, unogona kugadzira nzira iyi: mwedzi woga woga, murume wako anokupa chikamu chemari yake yebhadharo yekushandisa, kutenga kwekudya uye kushandiswa kwevana (kana, chokwadi, iwe unotenga uye uripa mari). Zvose zviri mubhadharo yake zvinoramba zviri pamwe naye. Asi iye zvino murume iyeye ane hanya nekudururira petori mumotokari, kutenga tsvimbo itsva yekuredza kana kugara neshamwari mubar. Iwe une maoko ako zvakasimba, kubva kune munhu asingazombokumbira kamwe kamwe penny. Uye iwe unogona kupedza chikamu chemari yako, kwete mari inowanzobhadhara zvigadzirwa, iwe pachako, pasina nzira yekuudza murume wako.
Mhuri yehama dzangu, mari inowanzoparadzana: murume kubva mubhadharo yake anopa mari yekubhadhara mari uye zvipfeko, mudzimai anomupa mari pazvokudya. Pahurukuro uye mari huru, zvose zvinoshandisa chikamu chakafanana nekambani yekubatana - uye munhu wese anofara. Taura nemurume wako - ichi ndicho chirevo chinoshanda zvikuru. Ipa zvaunosarudza, teerera. Pashure pezvose, kubatana mumhuri kunokosha kupfuura mari yose. Uye hazvizovipo kusvikira mumwe wevakaroorana achinzwa kuti zvaanoda zviri kuparadzaniswa. "Handigone kushandisa mari," ndakagunun'una Anna, "uye ndakasarudza: Ndinopa mubhadharo wangu wose kumurume wangu. Ari munzira kuenda kumba, anoshanyira mushambagitari, anotenga zvokudya. Iye atoziva zvandinoda kugadzirira kudya. Shamwari dzangu dzinoti kwandiri: "Ungararama sei usina mari?" Uye ini ndakanyatsofara! Mudiwa wangu akandisunungura kubva pane zvinodiwa kuti ndizvidye mwoyo: tinoenda naye kuchitoro - anokwereta mabhesi angu uye maketi (kana kuti anoodza kutenga kutenga yeketi yegumi), anonditungamirira kune cafe - panguva dzakadaro ndinonzwa semukurukadzi! Chinyanya kukosha ndechokuti zvose zviri nyore, uye ipapo mari ichagara yakakwana kune zvose.