Kana wakaneta nekukwereta "gumi" kwechingwa pazuva raunotora mari yako, kana uchida kuita kugadzira zvipfeko kana kutora chimwe chinhu chakakundikana, asi iwe haugone kuchengetedza nekuda kwekutenga kukuru - tarisa pane imwe yeruzivo rwehutano hwemari uye edza iwe pachako. Nzira yekugovera zvakakwana mhuri bhajeti - yakasvika kwamuri, asi pane maitiro akagadzirira akagadzirwa chaizvo. Imwe yevakawanda, yakatoedzwa, zvisarudzo zvichakutorera. Uye usatambudzwa nekusava nechokwadi, "zvakakosha kana kusakosha kuchengeta bhajeti". Kana iwe uchida kudzora iyo yako yakaoma yakawanikwa mari inofamba (uye hakuna imwe mari), iwe uchafanira kuratidza chirango chiduku uye kuita zvishoma zvishoma. Asi shure kwezvose, kudzoka kwa1 101% yemari yavo chinhu chakanaka?
Nzira dzekugovera mari
Mari yacho yakauya mumba. Uye zvino? "Muzai", rave rakagara ragoverwa kufamba, zvokudya uye zvidha, uye zvatozvitora kubva ipapo? Kana kuti ichabuda sei? Ndiani ari mutariri wemari mumba? Asi anotora zvakawanda pane zvaanoda here? Ngatiedzei kuti tisakakavadzana, tichifunga kuti ndiani ari kutarisira mari, nokuti pane nguva dzose zvingasarudzwa. Kunyanya mumhuri umo murume nemudzimai vane kodzero yekurasa mararamiro avo: vane nzira nhatu dzokubvumirana pamubatanidzwa wemari.
Ndezvipi zvakajeka kuparadzira mhuri bhajeti? Heino ndiyo nzira yekutanga : "nzira imwe yebhasika", i.e. nzira dzose, pasinei nokuti ndiani, nguva uye ndezvipi zvavakagamuchira, akabatanidzwa. Icho chinopera kuti "Yedu", iyo mari inotorwa kutengesa zvishomanana, uye nokuda kwekutenga kukuru, kudya, kufamba, vadzidzisi, zvidzidzo, nezvimwe zvakadaro.
Iyi ndiyo nzira iyo inoziviswa mumhuri yedu. Nenzira, takaonga nzira iyi mushure memwedzi mitanhatu yekushandiswa. Pakutanga zvakanga zvisinganzwisisiki kutaura "Uye wakashandisa zvakadini nhasi kwekudya kwemasikati, wadikanwa?" Zvainzwa sechimwe chinhu chakashata, sekunge uri kutarira mumuromo wako ... Asi hapana, iwe wakambozvibvunza mibvunzo, uye kuti usapopotedzane, tinoenda kuchitoro pamwe chete, uye kwenguva yakareba ini handina kupfeka nzara "knapsacks".
- Zvirongwa: kusanzwisisika kwemari yemhuri, kukwanisa kunzwisisa kuti unogona kuverenga zvakadini, kuvimba kukuru, maonero emhuri yese.
- Mutengo: zvinogona kugadziriswa kune imwe chete, kukakavadzana uye kukakavara, uyo ane zvimwe zvikomborero ("hongu motokari yako! .." - "uye uri pamakumbo ako ...").
Chechipiri ndiyo "nzira yemabhasiki maviri", yakakodzera zvakanyanya kune "mhaka" dzemhuri, "mararamiro emunharaunda" uye hukama hwakakomba, umo pasina chikonzero chekuvimba kwakakwana uye bhajeti risina kujeka. Muchiitiko ichi, kune "yako" uye "yangu", uye imwe neimwe yeaibhadhara, inopa chikamu chekubhadhara kweimba, inopa chikamu chekudya, uye ichibhadhara zvido zvayo kubva muhomwe yake.
Nzira iyi zvakare "yakasunungurwa". Kana mhuri iri nevana, mukadzi wacho nenzira imwechete anovimba nemunhu, uye achienzaniswa naye, anowana kakawanda kakawanda. Kana kana mutsauko hwemagariro evanhu hukuru kwazvo - somuenzaniso, "mudzidzi ibhizimisi". Kupindira mune zvaanoda zvichava iye, uye achawana "kutanga musoro" uye mukana wekushandisa usingakanganisi ... mufaro. Iyi sarudzo yakakodzera bedzi kune mukadzi akapfuma (uye akabatwa) anoda kuzvidzivirira kubva ku gigolo, kana murume anoda ruzivo rwakati rwune rusununguko.
- Zvinhu zvinowanikwa: mukana wekuita basa rakawanda uye izvi kuti uwane mufaro mukuru kubva pamaripo, zvipo zvinoshamisa kune waunoda "hafu" asingazivi nezvemari yemudzimai.
- Cons: zvinokonzerwa nekupikisa kune "hafu", kusavimba, mumakakatanwa, nzira dzekushandisa (pane kugadzirisa kukakavadzana) kuve "kuvharika" nekeke muimba yekugezera nekushinga "Ndinogona kurega, uye iwe hausi."
Chechitatu: Sezvawakambofungidzira, nzira yezvikapu zvitatu inogona kubatsira kupatsanangurira mari yemhuri, iyo inhengo dzemhuri dzinoita chiyero chakatarwa chinovabvumira kuti vararame vasina kushaya nzara kana kuzvidzivirira ivo pachavo. Zvose zvinowanikwa "zvakanyanyisa" zvemuwandu uyu, munhu wese anenge akasununguka kushandisa mari yake pachake.
Iyi nzira yakanaka kune avo vane zvido zvakasiyana zvepfungwa ye "hupenyu hwakanaka" mumhuri. Mumwe munhu anongoda chinhu chitsva, asi mumwe munhu anoda chikafu chemakwai cheItaly - saka nei tichifanira kukakavara pamusoro peizvi? Iyo bhajeti inopa huwandu hwemari yezvokupfeka, kana uchida - wedzera mari kubva kune yako "pachake" mari!« Baskets with pockets»
Uye kana kunyange matengu matatu asingabatsiri? Ndezvipi zvakajeka kugovera bhajeti yemhuri munyaya iyi? Nokudaro, kuwedzera kune "mabhasikiti" achafanira kupinda muupenyu hwezuva nezuva uye "mapepa". Zita racho pane zvinosungirirwa, uye chirevo chacho chiri nyore: kufungidzira zvakadzama zvinhu zvekushandisa. Semuenzaniso, takaisa mari yakawanda mu "boka guru". Iye zvino zvingava zvakanaka kufatsanangurira kuti chii chichaenda kune foni, zvishandiso, kubhadhara, uye zvakadini-zvekudya (pamwedzi uye, zvichienderana, pazuva). Kunyanya kunyanya iwe uri, zvishamiso zvishoma iwe uchaona apo iwe uchishandisa mari iyi.
Asi sei zvakajeka kupa mari yemhuri "pamapako"? Saka, sezvaunoda! Kuti uite izvi, kamufananidzo kadiki kadiki kana kadhi rakanyorwa mapeji akafukidzwa achaenderana, apo peji rimwe nerimwe rakanyorwa uye rakasayirwa. Nenzira, mumwe murume, uyo akanga asingadi kuparadzana nechekare, jekete rakapfeka, akabatanidza mapepa ake akawanda kune imwe nzvimbo yekuchengetedza mari. Saka, regai tione ... Hongu, inguva yekubhadhara nekuda kwemafoni - tinotora kubva muhomwe iyi, uye chete kubva kuI IT. Pakutanga zvichange zvakaoma, iwe unogona kutambudzwa nechido chakasimba chokukwira muhomwe iri pedyo (chimwe chezvinhu zvinodhura) uye "kupa mari", kutenga chimwe chinhu "pasi pemafungiro." Asi zviri nani kuzvidzivirira iwe-nokukurumidza iwe uchawana tsika inobatsira yekunyatsoronga mari, iyo isingambovhiringidzi.
Edza kushandisa iyi "pocket" chirongwa kune "basket" yako. Usingazivi kuti ndezvipi uye zvaunoda kupedza, unogona kuwana pamagumo emwedzi chisina kunaka mumatumba ako - kutenga kokupedzisira kwemagazini yemafashoni "zvisatarisirwe" zvinokubhadhara mari yakakwana - iwe uchaitei ipapo? Zvininipise uye mubvunze mumwe wako, vabereki, kukwereta kubva kune vavakidzani, kana kuti pakarepo dzidza kutarisira kushandiswa mberi?