"Tinodya zvakanaka!"
Tinopedza 10% zvekudya pane veEurope!
Izvo zvisiri izvo zvinoratidza kuti veUkraine vanodya 51% yebhajheji yavo. Muna 2009, chikafu chezvokudya chakakwira ne25.5%, uye mitengo inoramba ichikwira. Saka chii, regai kudya? Pasinei nechiitiko. Ingofungidzira nezvekupi uye zvatinodya uye kutanga kutarisira bhajeti yemhuri nemari.
Denga guru! Muchikamu chacho, kupedza pazvokudya kunopisa kunze kwemusha. Semuenzaniso, mukombe wekhofi nekeki uye sandwich, inodha munguva yekuvhara, inogona kudhura zvinopfuura chikiti chekuratidzira pachako (kunze kwekuti, zvirokwazvo, hausi kugara mumatanda). Munhu wese akawana chido chekuti mhuri ifambe mupaki here? Chocolate tsvina, chips uye Coca-Cola vanogona "kudhonza" kubva muchikwama chako kusvika kumazana e hryvnia. Kana zvakangwara kutengesa sandwiches ne thermos nekofi, idzi mari dzinogona kudziviswa. Panguva yekudya kwemasikati, waiwanzoenda kune cafe? Asi vanhu veEurope vanoshanda havanganono kubhadhara masikati mabhokisi nezvokudya zvekumba-zvisingadhuri uye zvinobatsira. Unotenga mapeji nguva dzose yekuwedzera michina kwavari here? Iva akagadzirira: cheko yako yegore yega yega yekudya ichave yakakwirira kusvika 150-180 hryvnia. Zvichida inguva yekushandura zvikwereti zvemafashoni zvekutengesa? Ngwarira kwete chete nezvechikwama chako, asiwo nezvemamiriro ezvinhu! Mushure mezvose, kuwedzera kuponesa kwemari yemhuri uye mari haizokuvadzi munhu.
"Kuti udzoserwe kuzere zvakakwana?" Zvechokwadi, unogona kuzvidzora uye usapedza zvakawanda.
Vatariri vanofambira vanodzinga kubva mubhadharo yedu kusvika 10-12% yebhadharo. Hapana anotaura kuti zororo ndiro raunoda kuchengetedza. Zvisinei, pazororo, iwe unogona kunge uchida kufara, nokuti shanduko yezvekushanyirwa ndeyei uye inotarisirwa kupedza mari kunze kwekuzorora kwezororo. Kushandisa mari pane rwendo kuenda kune sanatorium yakanaka kunonzwisisika, asi kuparadzira zororo kune zvimwe zvisina maturo zvinonyadzisa.
Denga guru! Knickknacks "yekuyeuka" - benzi uye kuparadza. Kufanana nevanamato zviyeuchidzo zvevamwe shamwari, hazvizovabvumi chero manzwiro uye zvichaita guruva chero kupi muimba. Chinhu chinokosha here? Zvine ruzivo: munyika dzinopisa zvinogamuchirwa, uye semugumisiro, mutengo wechiyeuchidzo waunoda unogona kuwira kubva pa $ 5 kusvika ku $ 2. Zvipo, zvakatengwa muzvitoro, zviri kure nemigwagwa yevashandi, zvinokutora iwe 15-20% zvishoma. "Vana vaduku - vaduku mari?" Tinozarura chikwama 1.7 kakawanda kakawanda apo vana vanesu. Tinoonga nekuda kwehupfumi hwemhuri yemari yemari yemhuri nemari, iwe uchakanganwa kwenguva yakareba zvikwereti zvipi.
Kuva nevana kunofadza kunodhura. Tine mari yakawanda sei pavana vedu? Kanganwirana, zvingatova nenzira isina kukodzera kuverenga. Uye zvingave zvakakosha: izvi zvinodhura zvinokwana makumi matatu kubva muzana emari yawana mari, maererano nehuwandu.
Icho chinhu chimwechete - kutenga zvingoda uye zvimwewo-kuti uende pamusoro pevana vechidiki. Infinite "Ndinoda bhora!" (10-15 UAH.), "Ipa Tsokoro!" (10 UAH munzvimbo yevaraidzo panzvimbo peUAH 5 mudhipatimendi) uye asingadi "Tenga chero chinhu!" - izvi, zvechokwadi, kuedza kwakaoma kwevabereki vane mitsipa. Kuenda kumusikisi kana zoo kunogona kuputsa gaka rakajeka mumari yemhuri uye kukanganisa mafungiro evanhu vose kana musingaregi vana vechidiki. Nzira yekuita sei? Semuenzaniso, kana iwe uchiziva kuti mwana achakumbira bharoti yebharoti, uitenge pedyo neimba, kwaunotora mari shoma, uye uiise muhomwe yako. Uye, zvechokwadi, shandura pfungwa, kupesana nokutaura. Zvisinei, izvi zvatova nzvimbo yehudzidzo, uye kwete mari yekuchengeta mari yemhuri uye mari.
5 economical tips
Tungamira kubhadhara kumba. Chengetedza cheki uye nyora pasi mari uye bhajeti mune rimwe bhuku kana kushandisa mapurogiramu epakombiyuta. Somuenzaniso, "Accounting Home", "Home Finance."
Usachengetedza mari yakawanda muhomwe yako. Tarisa kuti unoda zvakadini zuva rimwe nerimwe, uye utore newe iwe chete chiyero ichi, pamwe nechikamu chiduku.
Kubhadhara nekadhi yemari, usakanganwa: "plastiki" mari "inobhururuka" nokukurumidza uye nyore. Nguva dzose chengeta huwandu hwenhoroondo kuburikidza neInternet banking, uchengetedze mari yemhuri uye mari.
Usatema zvinhu zvishomanana zvemari panguva imwe chete. Cheka kutanga, somuenzaniso, kupedza pazvivaraidzo, uye mumwedzi kana maviri - uchidya zvokudya kunze kweimba. Tsika yekuponesa ichaumbwa zvishoma nezvishoma uye yakagadzikana.
Zvibvumire iwe nguva nenguva uipi hunonakidza! Izvi zvingabatsira kubvisa pfungwa dzisina kunaka kubva kumanikidziro ekumanikidzirwa uye kuratidza huwandu hwakawanda hwekuchengetedza mubhadharo yemhuri nemari.
"Kandira fodya!" Wati wamboedza kuverenga here mari yakawanda yaunotora kumhepo?
Kunyange kana mibairo iri kuderera, uye vamwe vakasara vasina basa uye vakagadzikana mari, vakawanda havagoni kurega kukanganisa fodya. Vakagadzirira kuchengetedza pazvinhu zvose, kuti vagokwanisa kusvuta fodya! Uye izvi zvisinei nekuti kutenga nguva dzose kwefodya kunodya inopera 0.7% yemubairo wevhushi. Nenzira, vezvehupfumi vanopikisa kuti indasitiri yefodya iri kuwedzera kuwedzera muzvikomborero munguva dzekutambudzika! Mumwe munhu anoita purofiti yakanaka pamusoro pokuti isu tiri kutya uye kusvuta-kusvuta-kusvuta ... Asi chimwe chiitiko chinonakidza: kana munhu asingadi kusvuta ane mari yakawedzerwa, chinhu chokutanga chaanomurega nacho-anotanga kutenga zvidhairire zvakanyanya. Panguva imwechete kuchengetedza bhajeti yemhuri uye mari inotengesa kwenguva refu mumhepo, kumirira nguva yayo.
"Zvakanaka, chii chandingachengeta pano kana mutengo wepakiti uri 5-10 UAH?" Vakasvuta vanoedza kuzviruramisa ivo pachavo. Asi kana iwe uchitenga fodya mumatombo, gadzirisa mari yekuita tsika yakaipa, somuenzaniso, mwedzi uchave wakanakisisa, uye mari yehuwandu ichave inofadza. Nokuda kwemaitiro ezvinonzwa, tora calculator uye uenzanise kuti iwe unopedza gore zvakadini uchizvipira iwe pachako - chimiro chinogona kunge chichiderera. Semuenzaniso, munhu anodikanwa wefodya, ane chirwere chemapandi maviri pazuva, anobaya anenge 7300 hryvnia pagore. Ichi chiyero chinofananidzwa nekudhura kwekuvaraidza kune imwe nzvimbo mune imwe imba inofadza yokugadzirira paDnieper. Zvisinei, hutano hwako nemari, zvakare ...
Sei takagadzirira kusiya?
Nyanzvi dzezvematongerwo enyika dzakasarudza kuti munguva isina kugadzikana nguva iyo Ukrainians yakagadzirira kupa chibayiro ...
1. Doro. Ichokwadi, zvinwiwa chete zvinodhaka: muna 2009, chikamu chekushandisa pavodka uye cognac zvishoma nezvishoma zvakaderera. Asi isu takatanga kunwa doro uye kudha-doro zvinwiwa, kunyange zvishoma (by 0.1%) ... Asi kazhinji tinopedza 1,6% yemari yedu yekunwa - zvakachengeterwa kuponesa zviri pachena.
2. Zvibereko. Mutengo wezvibereko mumhuri yevoruzhinji yakaramba pamusoro pegore rapfuura kubva pa2 kusvika ku5%. Asi isu takatanga kudya dzimwe mbatatisi nemiti yekubikira: mugove wavo mubhadharo yedu yakawedzera kubva pa6 kusvika ku 4.2%. Economics, asi isina kunaka.
3. Utano. Pamishonga, 14,7% yevaUkraine vakaponeswa, pamishonga ekurapa (mazinyore, mamwewo) - 8.3%.
Uye vanopfuura 70% vevanhu vomunharaunda yavo vakaramba kubva kumakirasi mumakwikwi emafitness.
"Ndidane, ndidane!" Asi chaizvoizvo kutaurirana kwefoni kunotanga kuumbwa kuti zviitiko zvinokurumidzira - kureva chimwe chinhu chinokurumidzira, chakakosha.
Zvisinei, nhasi vazhinji vedu tinoda kungotaurirana neshamwari kuti tipfuure nguva, kuseka neshamwari, kurukurai mutsva mutsva naamai vangu, kana zvakare zvakare kunzwa inzwi romunhu waunoda. Uye zvino isu tinoshamiswa kuwana mitsara yakazara mumabhuku ekutaurirana kwemafoni kana kuenzanisa nechiratidzo chisingaperi. Munyaya iyi, kuponesa kunonzwisisika kwemari yemhuri uye mari hainawo kupindira.
Vazhinji vedu tinozadza iyo nharo ne15-25 hryvnia, - funga, tora. Asi semugumisiro, kupedza pakutaurirana kwefoni kunoramba kusingadzorwiki! Mukuwedzera, usimbe nekusaziva kunoita kuti tigare pamitengo isingabatsiri kwemakore. Asi kuchinja kwehurongwa hwekutengeserana kunenge nguva dzose kusununguka, uye nhamba yefoni yakachengetedzwa! Kana iwe ukadzidza mazano kune mamwe mawebsite, iwe unogona kusarudza sarudzo yakanakisisa. Kana kuti tora printout yekutumira kwako kwekupedzisira kwemwedzi uye kuidzidza.
Mwana wacho anowanzokushevedza here? Zvinonyanya kukoshesa kusarudza kusingagumi kudanidzira kuna amai nababa. Sekuru naambuya vanowanzoreva vaviri chete kana vatatu vevanhu vashoma kupfuura vose? Vakawanda vanoita basa vanopa 50% kutengesa pane nhamba dzavo dzinodiwa. Iwe unoda here kunyatsoziva kuti mari yakawanda sei "inotaura"? Sarudza mutero usingagumi nemutengo wakatarwa mwedzi mumwechete: kudzorera iyo nhoroondo kamwe chete pamwedzi, iwe uchaziva kuti mari yakawanda sei "yakaiswa". Iwe unonetseka here kuti mari yefoni iri kukura? Dzoka pahutano hwakabhadharwa huripo hwekugara nemunhu anotakura (nekwereti tinowanzoreva zvimwe). Kubva mune imwe hurongwa hutengo hwemhando imwe yekufonera inobudirira nekuda kwemutengo wakawandisa kune imwe rudzi, unogona kugadzira nekuwana foni ne SIM card mbiri. Usakanganwa zviito zvakasiyana-siyana zvevashandi: vanowanzopedza kubva pamwedzi mitatu kusvika kumatanhatu, saka zvikomborero zviri pachena. Uye yekanganwa nezvekubhadharwa kubhadhara chero mifananidzo-rwiyo-mitambo!