Mitemo minomwe yehupfumi
1 mutemo. Nyora yako mari
Kudhindwa kwezvose zvinotengeswa zvinogoverwa, zvose zvekutenga kukuru uye kwekutenga zviduku. Tanga bhuku rinokosha kana kuzarura purogiramu yakakosha yepakombiyuta - Excel, igovera tafura muzvirafu zvakasiyana uye zuva rega rega, iwe uchapinda zvose zvaunoshandisa. Pakupera kwemwedzi iwe unoda kuwedzera matanho ose uye iwe uchawana kuti mari yakawanda inoshandiswa sei kune imwe neimwe inoshandiswa. Kana ukabvisa kutenga kwaunogona kuita kunze, ipapo iwe uchaona mari yakawanda yaunogona kuchengetedza mune imwe mwedzi.
2 mutongi. Tinoronga nekuongorora
Pakutanga kwemwedzi wega wega, kuronga kushandisa mari uye zvinhu zvekuwana mari. Munhu mumwe nomumwe ane zvikwereti zvinokurumidza, izvo zvinofanira kubhadharwa chaizvoizvo, hazvigoni kushaikwa - chikwereti, chikwereti, chibharo. Kana iwe uchiverenga izvi zvinotengeswa, iwe uchaziva kuti mari yakawanda yeiyo yakasara inotenga. Munhu wose ari mubhajheti ane ruzivo rwe "nguva dzose" mari, vanogona kutaurirwa. Saka iwe unoda kuchengetedza pamari "yakashata", iyo isingazivikanwi kuti inopinda kupi.
Ongorora zvaunotenga, funga pamusoro pezvinhu zvaunotenga zvakakosha panguva ino, chii chingave chakamirira, pasina chaunogona kuita kunze, edza kurarama mukati mako.
3 mutongi. Dzivisa zvikwereti uye zvikwereti
Mari iri nyore chaizvo kubhadhara, asi zvakaoma zvikuru kuvadzosa, kunyanya zvikwereti nehutano hwavo hwakaoma. Edza kudzorera mimwe mwedzi zvishomanana pakutenga kukuru, pane kukwereta mari yakawanda kubva kune shamwari uye kutenga zvinhu kamwechete. Zvinoitika kuti mamiriro ezvinhu anotarisana newe, uye haugone kudzorera mari munguva. Dzidza kuvimba pachikwama chako uye iwe pachako.
4 mutongi. Tinopedzisira tadzoka pahomwe
Iko mari yacho inonzi ndiyo nzira yakachengeteka yekushandisa mari. Muchiyero chezvikwereti zvakatendeseka zvikwereti, sarudza bhangi uzarure account ipapo. Bvisa panhoroondo iyi kubva pa5-30% yemari yako, mushure mekunge maigamuchira, kusvikira wapedza mari yose. Iko mari yako ichava yako yako yezuva rekunaya, kana zvimwe zvekutenga zvinodhura. Izvo zvinobatsira zvikuru kuti uzvibvise pamagumo emhedziso, zvisinei iwe ucharasikirwa nechido. Wana maverengi akawanda mumabhanga akasiyana-siyana, haufaniri "kuisa mazai ose mune rimwe tswanda", ngatitange kuve nenhoroondo mbiri dzakasiyana. Ziva kuti kana pane dambudziko mubhangi, iwe unotora zvikwereti zvinopihwa nehurumende kusvika mabhiriyoni mazana manomwe emabhururi. Icho chakanaka chingave chiripo kana iwe ukagadzira mari yakadaro "kuchengetedzwa kwekuchengetedza", iyo inogona kuenzana kwete pasi pemari yako mitatu yemwedzi mari.
5 mutongi. Siya zororo rose pane kadhi
Apo iwe unogamuchira mari iri mubhadhiti yako yebhangi, haufaniri kubvisa pakarepo mari yose. Zvinenge zviri nani kana iwe uchisiya mari shoma yemari nemari imwe neimwe, unogona kuishandisa kana iwe usingakwanise kugara mukati mebhajhini mukati memwedzi. Pasina zvakawanda zvaunoda, usabata mari iyi. Asi kana mwedzi yakati wandei yakawana zviyero zvakadai muakaunti yako, ichava mari yakawanda yekubhadhara iwe, uye iwe unogona kuishandisa nyore nyore, iyo iwe haugoni kutaura pamusoro pehomwe yacho.
6 mutongi. Kungwarira, kuverenga nguva dzose uye kuzvidzora
Iyi ndiyo mitemo mitatu yehupfumi. Zvechokwadi hazvina zvazvinobatsira kuchengetedza nhasi, funga mari imwe neimwe, kana uchitenga zvokudya, uye mangwana kupedza mari iyi yose yakachengetwa muresitorendi.
Edza kuverenga mari yako nguva dzose, zvive nechokwadi kuti unoda kuchengetedza mari. Kuponesa kwakafanana nokudya. Zvichava zvakaoma kutanga, uye ipapo uchazozvienzanisa uye uchazochengetedza chete.
7 mutongi. Kuita mararamiro ekuongorora
Usafambisa zvinhu kubva pamusana pechipfufu uye upofu. Kuti udzidze kuponesa, iwe unofanirwa kubhadhara kutara nematengo. Vakawanda vanogadzirisa zvinoderedza mitengo pavanopinda mumusika kuti vakwekwe mutengi. Panguva imwecheteyo, zvinhu zvechigadzirwa uye unhu hahupfuuri kune avo vekare vakatora "zita." Cherechedza musiyano pakati pezvinhu zvekumba uye zvekutengeswa, pakati pezvinhu zvakagadzirwa nemaoko uye zvinhu zvakakonzerwa nemasero, pakati pezvigadzirwa zvakanyatsoiswa mumapuranga akajeka kana akaiswa mumaphakheji akareruka.
Chenjererai zvikomborero, ivo vari kuvanda kubata, chibereko chacho chichakurumidza kupera.
Chii chaungachengetedza?
Cigaretti
Uri kuenda kurega kusvuta here? Iwe unoda kuchengetedza hutano hwako, uye iwe unogona kutenga zvigadzirwa zvepurasitiki nemari yakachengetedzwa. Zvinonzwika kuedza.
Muvhiki, yega yega kuponeswa kwe 4 mapeji emakumi mashanu emabhuru.
Muvhiki - 200 rubles.
Mugore - 9600 rubles.
Nhau
Kutenga ma periodicals zvakanyanya kuparadza chikwereti. Magazini, mapepanhau, nokuti iwe unogona kuverenga izvi zvose paInternet, unogona kutarisa kuburikidza ne-beauty salon iwe uchimirira nguva yako. Iwe unofunga chaizvo here kuti haungararami pasina magazini yakajeka yakajeka? Mushure mezvose, nemari iyi unogona kutenga mwedzi 10 mabhuku anonakidza uye anobatsira asingazoshandi mumwedzi, semagazini ako.
Kuponesa (3 mapepanhau ema20 rubles pavhiki, magazini yemabhiri 100):
Muvhiki - 160 rubles.
Mumwedzi - 640 rubles.
Mugore - 7680 rubles.
Snack
Mari yemhuri inonyanya kunetseka nezviduku, zvisingatarisirwi mari. Pane mabheti makumi maviri, gumi ruble, iwe unotarisa, asi iwe hauna ruble chiuru. Munhu wose anoziva izvi. Ngatitorei kutonga kwemari iyi. Chewing gum, ice cream, Coca-Cola, sneakers, kutenga apo iwe unonyatsoda. Uye zvino pakuguma kwegore rezvemari iwe unogona kunyora muchikoro cheSpain.
Kuchengetedza (3 mapeji e chewing gum ane mabheti 15, mabhodhoro mashanu emabhesi makumi maviri, 5 chocolates yemashizha 15, 50 rubles kune varombo):
Muvhiki - 270 rubles.
Mumwedzi - 1080 rubles.
Mugore - 12960 rubles.
Kutenga
Usaenda kunze kwebhizimisi kunzvimbo dzekutengesa uye mabhii makuru. Tora uye nyora urongwa hwekutenga paunoenda kuchitoro, uye edza kunamatira. Tora makadhi. Usaita zvekutsvaga kutenga, kuisa kunze kwehafu yeawa chinhu chawakada. Tora kufamba kumativi ezvitoro uye uone kana iwe uchida chinhu ichi, uye kana usingazvitengi, chichapona. Kana nekadhi rechikwereti iwe unotenga zvinhu, chengeta zvose zvese uye chengeta nguva nenguva chikamu chekadhi rako.
Kuponesa (1 kusina maturo kwevhiki)
Muvhiki - 1000 rubles.
Mumwedzi - rubles 4000.
Mugore - mabhiriki 48000.
Fungidzira kuti iwe uchava nemari yakawanda sei pane zvakakosha uye uchifunga zvinhu, kana ukarega kuita zvinhu zvisina maturo, pasina chakanaka chaungaita. Iwe unoda kuchengeta chikwama chako pasi pekutonga. Mumhuri imwe neimwe, pasinei nemari, iwe unogona kuronga zvinhu zvose kuitira kuti hupenyu hwemhuri huwedzere kuwedzerwa, uye usararame kubva pamari yekubhadhara. Mumhuri dzakawanda, hafu yemari inowanikwa inenge isingazivikanwi kuti ndeipi nzira. Ndangova nemari, uye ivo vaenda. Kana zvakanakira kusvika kumabhadharo emhuri, saka kurasikirwa uku kunogona kuderedzwa kusvika 10 muzana yemutengo wose.
Kumanikidzwa kubhadhara uye mari ndeyemasisita ekubhadhara, zvikwereti nezvimwe zvakadaro, uye iyi inoshandiswa inosvika hafu yemari yemhuri.
Zvadaro pane mari yekudya. Nokuda kwehupfumi wemudzimai pano ndiyo gungwa rebasa. Uye kana chikafu chacho chakatengwa chichivhiringidza, ipapo zvinhu zvakawanda zvinodhura uye zvinokuvadza zvichawedzerwa kune zvigadzirwa zvakakodzera. Usataurire nezvehutano huripo hwemiti yakapedzisira yakagadzirwa, iyo inodhura zvakanyanya kudarika ndiro yakagadzirwa kubva kune nyama yemhuka. Izvo zvinokurumidza uye zviri nyore, asi zvinodhura, asi ivo zvokudya zvekusanzwisisika kwakagadzirwa.
Zvimwe, pane masukisi akasiyana-siyana, mabheji, mazamu. Izvo zvine shuga yakawanda, hazvina kunaka kune chimiro, uyezve, kune zvimwe zvakasiyana-siyana zvinowedzera kuwedzera kuravira. Hazvina chinhu chinofungidzirwa zvisingabhadhari uye chakanaka kupfuura mukaka wakabikwa wakabikwa uye kazhinji kottage cheese, pano unogona kuisa shuga kuti inonaka.
Usarega mapundu. Kune mhuri yose, kosi yekutanga ndeyekusadhura uye kudya kwakanaka. Zvinodhura zvakapetwa kaviri kupfuura yechipiri kudya. Iwe unoda kudya michero yemwaka uye miriwo. Zvinodhura panguva yekukohwa. Neyayonnaise zviri nani kutenderera kune mukisi wakasviba, pachava nekubhadharwa kaviri kwechikwama uye mudumbu. Zvakakosha kutenga miriwo mumusika, huku, hove uye nyama muchitoro panzvimbo yemiti yekugadzira nyama.
Sezvo chikafu chikagadziriswa kunze, zvichiri kushandiswa pazvipfeko
Mukusangana neRussia, zvakasikwa zvakarasa kunze kwechikomba chinotyisa, tine makore mana, uye nguva dzose zvipfeko zvinodiwa. Munguva yechando, haugone kuita pasina jekete pasi uye nenguvo yehuto, muzhizha pasina shorts uye T-shirts.
Zvinokwanisika kugadzirisa zvemari nyaya yezvokupfeka. Muvharobe, vakadzi vane zvinhu zvakave zvakanaka kana zviduku. Inogona kugoverwa kuhama, iwe unogona kutengesa, iwe unongotora mufananidzo wechinhu ichi uye ugoisa chidimbu chepachena mupepanhau. Uye kambani yacho inosunurwa kubva mune zvipfeko uye pane mari shoma. Izvo zvinoenderana nezvinhu zvevana, zvinogona kutengeswa kana zvisingachadiwi.
Iye zvino tava kuziva kuti tingaitei nezviduku zvishoma kana kuti kudzidza sei kuchengetedza mari. Izvo zvinodiwa uye zvinogona kuponeswa, chinhu chikuru hachisi kutora nguva yakareba kuva mukadzi akasungirirwa. Iwe unofanirwa kuyeuka kuti unozvicheka muzvinhu zviduku kuitira kuti uwane zvitsva zvinooneka kana uchifamba kugungwa nemhuri yose, kana iwe unoda kutenga chinhu chikuru chakakosha.