"Sidla kakuhle!"
Sichitha ngaphezulu kwe-10% ekudleni kunabantu baseYurophu!
Amanqaku angabonakaliyo abonisa ukuba ama-Ukrainiya adla i-51% yohlahlo lwabiwo-mali. Ngo-2009, ibhasikiti yokutya yenyuka ngama-25.5%, kwaye amaxabiso aqhubeka ephakama. Ngoko yintoni, gcina ukutya? Akukho senzakalo. Cinga nje malunga nendawo kunye nento esiyidlayo kwaye siqalise ukugcina uhlahlo lwabiwo-mali kunye nemali.
Umgodi omnyama! Kulo nqaku, ukuchitha imali ekudleni kukutyhulwa ngaphandle kwekhaya. Ngokomzekelo, inkomishi yekhofi kunye nekhekhe kunye nesandwich, utywala ngexesha lokungena, unokubiza ngaphezu kwetikiti ze-show ngokwayo (ngaphandle kokuba, ngokuqinisekileyo, awuhlali phantsi kwizitishi). Ngaba wonke umntu wayenqwenela intsapho yokuhamba epakini? Iibhotile ze-tshotshi ezingenayo i-insidious, i-chips kunye ne-Coca-Cola "inokukrazula" kwi-wallet yakho ibe ngamakhulu eeprojekti. Ukuba kuqiqeshwe kwi-stock up sandwiches ne-thermos kunye nekofi, ezi ndleko zingagwenywa. Ngexesha lesidlo sasemini, wawuqhele ukuya kwikhofe? Kodwa abantu baseYurophu abanomsebenzi abanqikazi ukuqesha iibhokisi zexesha lesidlo ngokutya okwenziwe ekhaya-ezishibhile kwaye zisebenzisekile. Ngaba uthengela iiphakheji rhoqo ukuzongeza iimveliso kubo? Yilungele: i-check yonyaka yakho yokutya izakuphakama ngama-150-180 iiprogram. Mhlawumbi lixesha lokutshintshela kwiingxowa zesikhombiso ezithengileyo zokuthenga? Ungakhathaleli nje ngekhredithi yakho, kodwa nangenxa yendalo! Emva koko, ukugcinwa okongeziweyo kwenkqubo yohlahlo lwabiwo-mali kunye nemali ayiyi kubuhlungu nabani na.
"Ukutsalwa ekuphakameni okupheleleyo?" Enyanisweni, unako ukuphumla kwaye ungasebenzisi imali kakhulu.
Ukuhanjelwa kweendwendwe kuhanjiswa kwibhajethi yethu ubuncinane kwi-10-12% yemali. Akukho mntu uthi ukuphumla okufuneka uyigcine. Nangona kunjalo, eholidini, unokuba luncedo kakhulu, kuba imboni yezokhenketho yileyo kwaye ijoliswe ekupompozeni imali ngaphandle kweeholide ezikhululekile. Ukuchitha imali ngohambo oluya kwi-sanatorium elungileyo kunengqiqo, kodwa ikhefu elixakazelayo ngezinye izinto ezingenangqondo lihlazo.
Umgodi omnyama! Knickknacks "inkumbulo" - isisiphukuphuku kwaye siyonakalisa. Njengazo zokukhumbuza izikhumbuzo zabahlobo, aziyi kubabangela naluphi na umvakalelo kwaye ziya kufuthela naphina kwikhemitha. Into efanelekileyo? Ukuxoxisana: kumazwe atshisayo kuyamkeleka, kwaye ngenxa yoko, intengo yesikhumbuzo oyithandayo ingawa kwi $ 5 ukuya kwi-2. Izipho, ezithengwa kwiivenkile, ezikude neendlela zokutyelela, ziza kuhlawula i-15-20% ngaphantsi. "Iintsana ezincinane - iindleko ezincinci?" Sivula ii-1.7 ngamaxesha amaninzi xa abantwana bekunathi. Ndiyabulela uqoqosho oluzimeleyo lohlahlo lwabiwo-mali lwemali kunye nemali, uya kulibala ixesha elide ukuba zeziphi iitaliti.
Ukuba nezingane kuyonwabile kakhulu. Sinokuchitha ixesha elingakanani kwintsapho yethu? Ukuxolela, kwandlela ngandlela-thile kunzima ukubala. Kwaye kuya kuba luncedo: ezi ndleko zenza okungenani i-30% yemali engenayo, ngokwemibare.
Yinto enye-ukuthenga okuyimfuneko kunye nomnye-ukuqhubeka malunga neengxaki zabantwana. Infinite "Ndifuna ibhola!" (10-15 UAH.), "Yinika iShokoleta!" (10 UAH kwiziko lokuzonwabisa endaweni ye-UAH 5 kwivenkile) kwaye unqwenela "Thenga into!" - oku, okuqinisekileyo, luvavanyo olunzima lwabazali. Ukuya kwiseksi okanye i-zoo inokuphulaphula i-gap ebonakalayo kwisabelomali seentsapho kwaye uphawule imvakalelo yomntu wonke ukuba awuyikuyeka i-whims yezingane. Njani ukwenza oku? Umzekelo, ukuba uyazi ukuba umntwana uya kucela ibhayilethi, yithenge eduze kwendlu, apho iya kubiza ixabiso, kwaye uyibeke esikhwameni sakho. Kwaye, ke, shintshela ingqalelo, phazamisa ngokuthetha. Nangona kunjalo, oku sele kuseyimiba yemfundo, kwaye ingabi imali yokonga imali yentsapho kunye nemali.
5 iingcebiso zoqoqosho
Ulawulo lwekhaya lwasekhaya. Ukuqokelela ukuhlola kwaye ubhale phantsi iindleko kunye nohlahlo lwabiwo-mali kwincwadi okanye usebenzisa iinkqubo zekhompyutha. Umzekelo, "I-Accounting Home", "Imali Yasekhaya."
Musa ukugcina imali eninzi kwisikhwama sakho. Bala ukuba ufuna kangakanani ngosuku, kwaye uthabathe kanye nani le mali, kunye nomgama omncinci.
Ukuhlawula ngekhadi lemali, musa ukulibala: "iplastiki" imali "iyabaleka" ngokukhawuleza kwaye kulula. Hlola rhoqo imeko ye-akhawunti ngebhanki ye-Intanethi, gcina imali yohlahlo lwabiwo mali kunye nemali.
Musa ukusika izinto ezimbalwa zeendleko ngexesha elilodwa. Sika kuqala, umzekelo, ukuchitha kwizinto zokuzonwabisa, kunye nenyanga okanye ezimbini - ngokutya okutyiweyo ngaphandle kwendlu. Umkhwa wokonga uza kwenziwa ngokuthe ngcembe kwaye uzinzileyo.
Vumela ngezikhathi ezithile inkunkuma enhle! Oku kuya kunceda ekunciphiseni iimvakalelo eziphazamisayo ekuziphatheni okunyanzeliswayo kwaye ubonise izinga elithile lokugcina imali kwisabelomali kunye nemali.
"Phonsa ugwayi!" Ngaba wakha wazama ukubala imali enokuyithatha ngayo umoya?
Nangona xa imivuzo iyancipha, kwaye abanye bayashiywe ngaphandle komsebenzi kunye neengeniso ezizinzileyo, abaninzi abanako ukuyeka ukutshabalalisa iteksi. Bakulungele ukugcina kuyo yonke into, ukuze bakwazi ukutshaya ugwayi! Kwaye nangona kunjalo ukuba ukuthengwa rhoqo kwee-cigarettes kudla umyinge we-0.7% womvuzo wokubhema. Ngendlela, i-economists ithi imboni yecuba ikhula ngokukhawuleza inzuzo ngexesha lemiba! Omnye wenza inzuzo entle kwinto yokuba sinoyiko kwaye sibhema ukutshaya ... Kodwa enye into enomdla: xa umtshayi ongeyena unomvuzo owongezelelweyo, into yokuqala ayimvumelayo - iqala ukuthenga iigarethi ezithe xaxa. Ngexesha elifanayo ukugcina uhlahlo lwabiwo-mali kunye nemali ikhulula ixesha elide emoyeni, elinde ixesha layo.
"Ewe, ndiyakusindisa ntoni apha ukuba ixabiso lepakethi li-5-10 UAH?" Ababhemayo bazama ukuzithethelela. Kodwa ukuba uthengela ugwayi kwiibhloko, ke ulungise iindleko zomkhwa ombi, umzekelo, inyanga iya kuba yinto elula kakhulu, kwaye imali yesabelomali iya kuba yinto emangalisayo. Ngenxa yobunzima beemvakalelo, thabatha i-calculator kwaye uqikelele ukuba uchitha ixesha elingakanani unyaka ngokuzithandela ngokwakho - umzobo unokuqhayisa. Ngokomzekelo, umthandi onomdla wee-cigarettes, owodwa umthamo weepakethe ezimbini ngosuku, uphawula malunga ne-7300 hryvnia ngonyaka. Eli nani lithelekiswa kakhulu neendleko zokuzonwabisa kwindawo ethile kwindawo ephuculweyo yokubhoda kwi-Dnieper. Nangona kunjalo, impilo yakho nemali, nayo ...
Kutheni sikulungele ukuyeka?
Izazi zenzululwazi ziye zazimisela ukuba kwixesha elinzima elinokuthi li-Ukrainians zikulungele ukunikela ...
1. Utywala. Enyanisweni, kuphela iziphuzo ezinxilisayo: ngo-2009, isabelo senkcitho kwi-vodka kunye ne-cognac yancipha kancane. Kodwa saqala ukusela ubisi kunye neziphuzo eziphantsi kotywala, nangona kunjalo (ngaphaya kwe-0.1%) ... Kodwa ngokubanzi sichitha i-1.6% yemali yethu yokusela.
2. I ziqhamo. Iindleko zeziqhamo kwiintsapho eziqhelekileyo ziye zancipha kunyaka odlulileyo ukususela kwi-2 ukuya kwi-1.5%. Kodwa saqala ukutya ezinye iitamatyibhile kunye nemveliso yeebhaki: isabelo sabo kwisabelomali senyuka ukusuka kwi-2.6 ukuya kwi-4.2%. Uqoqosho, kodwa aluphilileyo.
3. Impilo. Kwamayeza, ama-14.7% ase-Ukraine agcinwe, kwiinkonzo zonyango (amazinyo, njl.) - 8.3%.
Kwaye abangaphezu kwama-70% abantu basekhaya babenqabile kwiiklasi kwiiklabhu zengqondo.
Ndibize, ndibize! " Kodwa ngokwenene ukuhanjiswa kwamaselula kwenzelwe ukuba kubekho iimeko eziphuthumayo-ukubika into ephuthumayo, ebalulekileyo.
Nangona kunjalo, namhlanje abaninzi bethu bathanda ukuxoxa nabahlobo ukuba badlulise ixesha, ukuhleba nomhlobo, baxoxe nge-recipe entsha kunye nomama, okanye baphinde bave ilizwi lomthandayo. Kwaye siya kumangaliswa ukufumana iindleko ezijikelezayo kwiingxelo zokunxibelelana ngomnxeba okanye ukulinganisela ngesigxina esingasigxina. Ngaloo nto, ukugcinwa ngokufanelekileyo kwebhajethi yentsapho kunye nemali ayinakuphazamisa.
Uninzi lwethu luzalisa i-akhawunti nge-15-25 ye-hryvnia, -cinga, i-trifle. Kodwa ngenxa yoko, ukuchitha imali kwi-intanethi ye-intanethi kuyakwazi ukulawuleka! Ukongezelela, ubuqili nokungazi kusishukumisela ukuba sihlale kwiirhafu ezingenakunceda iminyaka. Kodwa utshintsho lwesicwangciso sohlawulelo luhlala lukhululekile, kunye nenombolo yefowuni igcinwe! Ukuba ufundela iziphakamiso kwiiwebhsayithi zabaqhubi, unokukhetha ukhetho oluhle kakhulu. Okanye thabatha ukushicilelwa kweefowuni zakho zokugqibela malunga neenyanga kwaye uzihlalutye.
Ingaba umntwana uhlala ekubiza? Kuqoqosho kakhulu ukukhetha unxibelelwano olungenamkhawulo kumama nobaba. Utatomkhulu nogogo bahlala bebiza abantu ababini okanye abathathu kubantu abasondeleyo? Abasebenzi abaninzi banikezela i-50% isaphulelo kumanani abo abathandayo. Ngaba ufuna ukwazi ngokuthe ngqo ukuba imali "iya kuthetha"? Khetha umrhumo ongenamkhawulo kunye nemali ehlawulweyo yenyanga: ukuzalisa i-akhawunti kanye ngenyanga, uya kukwazi ngokuthe ngqo ukuba imali "yahlaselwa". Ngaba ukhathazekile ukuba iindleko zefowuni zikhula? Yeka kwifom ehlawuliweyo yokuhlala kunye nomqhubi (ngekhredithi sivame ukuthetha ngaphezulu). Ekubeni kunaluphi na uhlobo lwexabiso lokunciphisa olunye uhlobo lweefowuni lufezekiswa ngenxa yerhafu elithengiweyo elithile kolunye uhlobo, unokudala ukonga ngokufumana ifowuni ngamakhadi amabini e-SIM. Musa ukungazihoxisi izenzo ezahlukeneyo zabasebenzi: zihlala zihlala kwiinyanga ezintathu ukuya ezintandathu, ngoko ke izibonelelo ziyacaca. Uze ukhohlwe ngokulayishwa okuhlawulwayo nayiphi na imifanekiso-imidlalo-ingoma!