Indlela yokuphila ku engange 3,000 ngenyanga, kwaye ayithethi kuphazamisana bebodwa ukutya nempahla

Ukuba udiniwe ematyaleni engaphele ndawo, iingxaki zemali,-mboleko kunye nezinye imingxuma zemali, oku kuthetha enye into - ukuba nje abazi ukuba uphathe njani imali yakho. Ukuze Personal Finance ukugqiba umyalelo, kufuneka ugcine kwiinyanga elungileyo ezimbalwa. Funda ukugcina, ungaqalisa ukuqokelela imali imoto entsha okanye indlu ilizwe, okanye mhlawumbi uya iphupha lakhe ayinonophelayo ukubhabha kwiholide? Kodwa phupha kuzaliseka, kuyimfuneko ukwazi indlela ukuziphilela engange-3,000 ngenyanga.

Uzinzo uya kuza kuphela abafumana imivuzo ephezulu

Abaninzi baya kuthi, kutheni live -3000 amawaka engange ngenyanga, kuba uyakwazi ukufunda ukwamkela njani imali, ukutshintsha imisebenzi. Kodwa asinguye wonke umntu owaziyo - kokukhona uyaqalisa uhola, kokukhona uya kuchitha. Kufuneka sifunde ukuphila ngokuvisisana imivuzo namhlanje, ukuba sakugcina, uhlala frugally. Ekuhambeni kwexesha kokuba isetyenziselwe ukuthenga izinto eziza kulala nje kweshelfu, ndibabuthe nothuli, kwaye umbuzo indlela ukuziphilela engange 3,000 ngenyanga, uya Kwakumi phambi kwakho kakubi kangaka.

Ukuba ufuna ukugcina imali kunokuba bachithe ongabanga zabo, kuya kufuneka ukuqonda injongo apho ezi amatyala ziya kuqokelelwa. Umntu akukho njongo, soze uya kuqokelela sum kuyimfuneko. Sagqiba ekubeni hamba uye elwandle - sibothule nyanga nganye ngenxa engange 1000, okanye ngcono, vula i-akhawunti yebhanki yaye inokuqokelelana inenzala. Inyanga enye imali ziliwaka wayeza kuba 'etyeni, kodwa kulo nyaka iya kuqokelela amawaka 12 engange kunye nenzala. A iphupha, Kakade, esi sixa akwanelanga, kodwa eyona nto siye safunda - yiya injongo yakhe.

Indlala ke umakazi wam, kwaye umalume embi

inqaku Main naziphi na iindleko - kukutya. Lokufumana ukutya kuchongwa ngenyanga kunye 3,000 engange kunye 30,000 engange, kodwa kwimeko yokuqala iya kuba salads, iitapile kunye ipasta, kwaye caviar yesibini ebomvu, Intlanzi, trout kunye nezinye okuluncuthu. Indlela yokuphila ku engange 3,000 ngenyanga, yaye hayi "ezipalini emele"? Khumbula imithetho embalwa ngokuphathelele ukutya.

• Musa ukuthenga okuluncuthu nokuba kukanye ngenyanga, nokuba wena uphume yetyala kwaye uqale ukuqokelela phezu iphupha lakhe, okanye Akunakuba yinto nje isisu sakho, kwaye ngaphandle ingqiqo ulwaneliseko utya ngaphezu ukufumana nto.
• Khumbula ukugcina kuyo yonke into: ipasta, ukutya okuziinkozo, imifuno, ukuthenga qho lehoseyile.
• Ukupheka ngoko nangoko iintsuku 2-3.
• Singazihoyi Ukutya okukhawulezileyo. Umzekelo, "Doshirak" ipasta kuxabisa imali engange-24 pack nganye. Ukuba emini endaweni isidlo sabo sakusasa, sasemini kunye idinala udle, ukuze-30 iintsuku, bandula ke bakhululwa ngenyanga ngaphezulu kancinane kwama-2000 engange. Kungongiwa sasemini ekhawulezayo hayi, kodwa gastritis okanye isilonda - sibonelelwe.

Lixabiso - akuthethi kubi

Ukuba nangoku uzama ukuphendula ngokwam ukuba baphile engange 3,000 ngenyanga, oko kuthetha ukuba bazama ukusindisa.

Ukhe waqaphela ukuba iziqhamo evenkileni ziya kuthengiswa markdown? Inyaniso ukuba amaxesha 2 zitshiphu iindleko akuthethi ukuba iphelelwe lixesha. Products nge encinane eseleyo ezikhabhathini, iziqhamo overripe, ukutya uqhutywa sopakisho zithengiswa ngexabiso ngesaphulelo.

Ke iimpahla

Savings imali kodwa kufuneka utye nje kuphela, kodwa ukunxiba. Jikeleza phantsi elikufutshane yesibini-ngesandla. Thenga impahla ngezaphulelo enkulu. Zama ukuthatha kanye okanye kabini ngenyanga, kodwa enye iyunithi imveliso, kukulungele ngaphezu kamva uthenga zonke ngaxeshanye. Isixa ukuba umnike into enye, oko kuya kubonakala etyeni, kodwa kulo nyaka iya kukhululwa nemali elungileyo. Abaninzi baya kuba ixesha elide ukuzibuza lo mbuzo, ukuze bafunde indlela yokonga, bade bayazi eyona nto ibalulekileyo - kulo mzekelo, ukunceda wena ungakwazi kuwe wedwa, iminqweno yakho kunye ukuphumeza le njongo. Cwangcisa wena iinjongo kwaye ukhangele isisombululo ekunene. Kuphela ekusombululeni kubo, ungaqalisa isicwangciso esitsha.

Gcina kwi imali yezinkonzo

Ke ukuba ukutya neempahla, apha oko kwadala umgaqo 'ukuba badle, ukuba awusebenze ngokomvuzo yabo,' kodwa aziyi kuba okufanayo umbane, irhasi kunye intlawulo zoluntu njengoko uthanda. Hlawula ngaphantsi ayisebenzi, kodwa unako ukugcina amandla ngokulula kakhulu.

15-20% ombane yethu accounted for ukukhanyisa. Ukuba ngayo njengomthombo, nto leyo ethatha imali yethu, ngoko kungekudala kakhulu uya kukwazi akachithi amandla kangaka.

1. Faka zonke iibhalbhu ukukhanya endlwini yokonga amandla.
2. Ngalo lonke ixesha cima ukuba libe sisikhanyiso, musa ukuyishiya chandelier ovuthayo kwigumbi engenanto.
3. Sebenzisa emini kangangoko kunokwenzeka.
4. igumbi Bright isoloko ifuna umbane ngaphantsi kwe kwigumbi ngeendonga ezimnyama kunye nempahla.
5. Thenga zombane udidi A ukuhlamba Umatshini, isomisi, intsimbi, ikharakhtha - zonke ezo zinto ngokoqobo eyidla nemali yethu.

E Moscow iipowusta amaninzi ukubona umbhalo ebiza off nezibane ezingeyomfuneko kunye izixhobo zombane. Khumbula lo mthetho kwaye usebenzise ngayo rhoqo kangangoko kunokwenzeka.

Uyakwazi ukugcina emhlabeni nje kuphela, kodwa ngamanzi kunye negesi. Lo mgaqo iyafana: i ngaphantsi kwakho ziquka, kokukhona uhlawule. Lo mgaqo uyasebenza ingakumbi amanzi.

Funda indlela ukonga yonke into - yaye kungekudala uya kuziva incasa ngemali ukuba ukuba nje kuphoselwa umoya.