Nzira yekudzidza kuti usapedza mari yose: zvikanganiso zvekutanga

Mari yako inokwana kwemazuva matatu chaiwo here? Iyi haisi mhirizhonga yedhipatimendi reH HR, asi chikonzero chakanakisisa chekufunga zvakare nezvemari yako. Kuwira mumumvuri kumagumo emwedzi ndeye nyaya inotyisa, kunyange kana mubhadharo wako usingakodzeri pane platinum kadhi. Pashure pezvose, mukadzi wese ane tarenda inofadza kushandisa mari yakawanda kupfuura yaanowana. Zvinonakidza kudurura mari kupfuura sopu dzemvura mumvura yekushambidzira, asi kune zvipingamupinyi munguva iyi yekutengesa. Zvechokwadi haufariri kurarama vhiki isati yasvika mubhadharo wechingwa nemvura, kuvanza kubva kune vane chikwereti uye kuunganidza zvinhu zviduku muhomwe dzehombodo dzechando. Heano pane zvikonzero zvinomwe zvakakosha zvekusagadzikana kwemamiriro emari. Iwe hauna chikwereti
Nekudzingwa kamwe kamwe kana shanduko yakarongwa yebasa, iwe uchasara usina hupenyu. Iwe unofanirwa kuva nenzvimbo yezuva remvura, zvichida, kuitira kuti usakwanisa kusarudza basa idzva, uye kuti usabvumirana nemutsara wokutanga (nokuti watotengesa kati kutenga zvokudya zvekati). Mamwe mabasa anobvumira kuti uwane nzvimbo itsva munyaya yemazuva, somuenzaniso, kana uri muchengeti wemvudzi kana mutengesi wekutengesa. Asi kana iwe uri "nyanzvi mumatauriri e intracorporate" kana gweta ane nhengo shoma, zvino pane zvakawanda zvinoda iwe here?

Nzira yekurwa nayo
Ngatiti iwe unogona kutsvaga basa kweinopfuura mwedzi? Tanga kusika yako pachako kugadzirisa mari ikozvino. Kuisa pamabhadharo ngazviite zviduku, asi mari. Uye nzira yakanakisisa yekuita izvi haisi kushandisa pig-piggy bank, asi bhangi yebhangi inofanira kuzadzikiswa (uye kuvanza kadhi kubva kwayo). Muchiitiko ichi, hauzove nemuedzo wakadai wokuputsa ganda rekugadzirira uye uchishandisa mari yose yakasarudzwa, kunze kwekuti, kufarira kunogona kupinda mukati mebhandi rebhangi, iyo inofamba, asi yakanaka.

Iwe hauchengetedzi mari yekutenga kukuru
Kana iwe usina mari yeimwe chinhu chakakura, ingave chipfeko chitsva kana rwendo, iwe nguva dzose iwe unofanira kuzvizvidzivirira kutenga kana kukwereta mari. Asi hazvisi nyore nguva dzose kuwana vanhu pakati pehama-shamwari-vatinonamata navo-vanozivana avo vakagadzirira kukwereta mari yakawanda, uye mabhengi emabhengi haasi akadhura iye zvino nemari yavo yakakwirira. Saka kunyange iwe hausati wanyatsonzwisiswa pane zvaunoda kutenga, ingodzokazve kusvika 10-15% yemari yako yega mwedzi. Zvadaro sarudza kuti chii ichi mari ichaenda kune - imba kana matikiti eDisneyland.

Nzira yekurwa nayo
Rongedza zvinhu zvose zvakatengwa - kubva kune zvigadzirwa kusvika kumotokari uye funga nezvemari yako yezuva nezuva. Kuti uite izvi, iwe unogona kunyora nenzira yekare-kare "mari / mari" kana kushandiswa kwakagadzirwa nekuda kwezvirongwa izvi zvemagetsi, kubva ikozvino unogona kusarudza nekuisa chero "rekugadzirisa kweimba" yakakodzera kwauri pamakombiyuta kana smartphone. Nekubatsira kwayo, iwe uchakurumidza kuona kuti zvinhu zvipi zvinoshandiswa zvinogona kuderedzwa nyore nyore kana kubviswa zvachose, nekusunungura mari "yakawedzerwa" kuitira kuti udzoke shure. Tsanangura nguva yakareba mari yaunofanira kuishandisa pazvinhu zvakasvibirira kutenga (nguo, imba yemidziyo) uye nguva yekutenga kwavo.

Iwe une chinhu chinodhura chinotora hafu yemari
Kana iwe uchipedza 50% yemari yako pane chimwe chezvinhu zvinodhura, somuenzaniso, kubhadhara imba kana kubhadhara chikwereti chakawanda, iwe uri kuzvidzivirira iwe wakagadzikana. Kana muchiitiko chematambudziko kana mamwe mamiriro ezvinhu akaoma emari, iwe hauzove nemari yekuderedza mari.

Nzira yekurwa nayo
Iwe unoda kuchinja mamiriro ako nekukurumidza. Somuenzaniso, tanga kukodha imwe imba yakanyanyisa, somuenzaniso, kuenda kune imwe nzvimbo yakaderera, uye rega nguva yaunoshandisa mumugwagwa kushanda kuwedzera zvishoma, asi mari yekuchengetedza imba ichaderedzwa. Kana, sechinhu chisarudzo, unogona kugadzirisa chikwereti, kunyatsovhara chikwereti chekare kune imwe itsva, neine chikwata chakanaka chechikwereti.

Iwe une zvikwereti kana chikwereti here?
Kana wakakwereta zviduku zvako zvemazuva ose, saka iwe wakashandisa mari yakawanda, iyo isina kunyange nguva yekuwana.

Nzira yekurwa nayo
Kana iwe wakatora chikwereti chisingabatsiri, chipa muzvikamu zviduku uye usaita mishava mitsva. Kana iwe uchibhadhara chikwereti, dzoserera chikwereti nokukurumidza sezvinobvira, uchizviramba iwe unofadza uye unofadza zvakanyanya. Chikwereti chakanaka chete kana chichitorwa nokuda kwekutenga kukuru uye kwakakodzera, somuenzaniso, imba kana motokari (kana iwe usingakwanisi kuita pasina shamwari ine makumbo mana), uye mwedzi wemwedzi webhadharo inopfuura 40% yemhuri yose inowana. Kana ukashandisa kadhi rechikwereti, dzosa mari yacho kubhangi panguva yenyasha pasina chikwereti (sekuraira kunosiya mazuva 40-60).

Kana iwe uchitenga zvisingatauri uye usingafungi nezvemari yakashandiswa, iwe uchagara uchinge wakanyarara, zvisinei kuti unowana mari yakawanda sei.

Iwe unovimba nezvikwereti nezinga re 0%
Pasi pemitemo yeRussian Federation, chikwereti chebhangi hachikwanisi kubhadharwa nehuwandu hwakadzika kupfuura huwandu hwekufambisa. Nhasi i 8.25%. Uye kana zvichiita kwauri kuti iwe unotora chikwereti pa 0%, iwe kana iwe uverenge chibvumirano chakanaka, kana kuti zvikamu izvi zvave zvichisanganiswa mune kukosha kwezvinhu, iyo iyo dare inopa nemoyo wose "chikwereti" zero.

Nzira yekurwa nayo
Nyatsoverenga zvaunosayina, kunyanya zvakanyorwa mudiki kudhindwa uye kuenzanisa mutengo, usati wapinda mune chikwereti, zvinogona kuti chinhu chakafanana muchitoro chendaneti chinodhura zvikuru kupfuura icho chinowanikwa muhwindo rechitoro nechiratidzo chinokuidza " chikwereti chisingabatsiri. "

Iwe unodzima chikwereti chimwe nerubatsiro rweumwe
Iwe uri mumamiriro ezvinhu akadai akadaro zvokuti iwe unofanira kutora chikwereti chitsva kuti ubhadhara chekare here? Iyi ndiyo mamiriro ezvinhu akaipisisa. Denderedzwa yakashata, iyo inenge isingakwanisi kupukunyuka.

Nzira yekurwa nayo
Kurumidza kuzvizvidza zvinhu zvose, tora chigaro pachingwa nemvura, tora nguva yekushanda, asi usatora chikwereti chitsva. Kana zvisina kudaro iwe haugone kubuda kubva mune chikwereti ichi.

Iwe unowanzotenga zvinhu zvisingakoshi
Iwe wakada chaizvo shangu dzezhizha, kunyange zvazvo dzisiri hukuru hwako, uye iwe wakatengawo mapaviri matatu vhiki rakapera. Asi iwe unogona sei kuzviramba iwe zvishoma zvigaro zvaunofanirwa? Asi kazhinji kacho mushure mekugara kwenguva pfupi mufaro unouya kushungurudzika kunorwadza, kana kuchine nguva refu musati wamuri mubhadharo, nemari yose yawakatumira kune "chimiro chakaisvonaka" uye "zvakakosha (yegumi mumutambo wako) mhosva yefoni."

Nzira yekurwa nayo
Usazvikurudzira iwe kutengesa zvisina kufanira. Pakupedzisira, mune mall panzvimbo yechitoro iwe unogona kuenda kuma cinema kana skate pane ice rekuita. Kutenga kusingatarisirwi - chete nokuda kwekudarika. Kut on the last - chinhu chekupedzisira.