Zamkatimu
Zizolowezi 5 ndi zinthu 8 zokuthandizani kuti muchepetse ndalama zochepa
Kusunga sikutanthauza kusintha mkate ndi madzi. Pofuna kuti tisatengere ndalama kuchokera pakulipirira mpaka kulipira, ndikofunikira kuwongolera ndalama.
February 10 2019
Sungani bajeti yanu pabanja
Iwo omwe ali abwenzi ndi makompyuta amatha kudzipangira "kuwerengera-nyimbo" mu Excel. Palinso njira ina - pulogalamu yokonzekera makompyuta kapena foni. Mwachitsanzo, www.drebedengi.ru. Apa mutha kujambula zolipira za mamembala onse. Kapena zenmoney.ru. Ntchito yosungira ndalama. Ndimakulolani kuti muganizire zakubweza ngongole komanso kuti muzisunga ndalama ndi zomwe kampani yaying'ono imagwiritsa ntchito. Mapulogalamuwa amapereka mwayi wokhazikitsira zolinga ndikuwonetsetsa kuti anali pafupi motani. Kuwerengera kumakuthandizani kudziwa komwe gawo la mkango likupita, komwe mungasunge. Simusowa kuti muzikumbukira momwe mungagwiritsire ntchito nthawi yamtsogolo - m'malo mwa matayala agalimoto, kulipira inshuwaransi, ndikwanira kubwezeretsanso mndandanda wazolinga kamodzi. Pulogalamuyi idzatumiza zidziwitso. Mwa njira, ikhozanso kutumiza ma alamu osonyeza kuti mukuwononga ndalama.
Osathamangitsa zinthu zapamwamba
TV yayikulu yosanja kapena foni yam'manja yaposachedwa, yomwe ntchito yake simukugwiritsa ntchito zoposa 10% - imakopa chidwi. Koma si nzeru kulowa m'ngongole chifukwa cha chinthu choterocho. Mtengo wamagalimoto, mwachitsanzo, sayenera kupitilira ndalama zisanu ndi chimodzi pamwezi. Chiwerengerochi ndichifukwa choti galimoto iliyonse imayenera kuthandizidwa. Mtengo wotsika mtengo kwambiri, ndizokwera mtengo kukonzanso.
Tsatirani zotsatsa m'masitolo
Posachedwa zinali zopindulitsa kugula zakudya kwa sabata limodzi kapena awiri mu hypermarket imodzi. Ulendo wocheperako wopita kusitolo, umachepetsa mwayi woti musadzaze dengu kwambiri. Tsopano zinthu zasintha, nthawi zina masitolo ogulitsa mtunda woyenda amachepetsa kwambiri mitengo. Fufuzani zambiri zamalonda pamalonda a aggregator, mwachitsanzo edadeal.ru, www.tiendeo.ru, skidkaonline.ru, myshopguide.ru.
Gwiritsani ntchito kuthekera kwa makhadi olipira, monga kubweza ndalama
Banki ipereka akaunti yanu ndi mphotho ya zomwe mwagula. Ngati mukufuna kugula mosakonzekera (mwachitsanzo, firiji yawonongeka) ndipo mukumva kuti muli ndi ndalama zokwanira kuchokera kubokosi lanu lotsatira, musatenge ngongole kubanki, ndipo koposa pamenepo, siyani mapulaniwo m'sitolo. Gwiritsani ntchito khadi la ngongole. Mukabweza ngongoleyo panthawi, chiwongoladzanja sichitha. Zowona, njira iyi yogulitsira ndiyabwino kwa anthu okhawo omwe ali ndi luso. Popeza mwavomereza kuchedwa kubwezeredwa kwa ndalama, mudzakakamizidwa kulipira kuchuluka kwa zomwe adzagwiritse ntchito.
Lemberani phindu
Ndiye kuti, kuchotsera msonkho kugula nyumba, maphunziro ndi chithandizo. Boma libwezera 13% ya mtengo (ngakhale ngati malipiro anu ndi ovomerezeka ndipo mumalipira msonkho). Kuchotsa katundu kumaperekedwa kamodzi. Ngati mudalipira maphunziro anu (kuphatikiza maphunziro opitilira) kapena maphunziro a mwana, mchimwene kapena mlongo, ndiye kuti muli ndi mwayi wochotsedwa pagulu. Tidzakupindulirani ngati mudalipira ndalama za mnzanu kapena mnzanu, mwana wazaka zosakwana 18, kapena chithandizo cha kholo. Mtengo wamankhwala udzaganiziridwanso.
Zinthu zisanu ndi zitatu kuti musunge ndalama
Chikwama chopindika… Palinso malo ake m'thumba. Idzabwezera thumba la pulasitiki m'sitolo. Mtengo kuchokera Masamba a 49.
Mababu a Kuwala Kwa LED… Amagwiritsa ntchito magetsi 85% pocheperapo kuposa mababu amagetsi ndipo amatalika nthawi 25. Mtengo kuchokera Masamba a 115.
Chowongolera faucet… Imakhutitsa mitsinje yamadzi ndi thovu lamlengalenga, lomwe limakupatsani mwayi wokhala ndi mphamvu yokwanira, koma nthawi yomweyo muchepetse kumwa madzi ndi 40%. Mtengo kuchokera Masamba a 60… Palinso okonza zopangidwa okonzeka ndi ma aerator.
Mabatire ndi charger omwe angatengeredwe kwa iwo… Koyenera ngati nyumbayo imagwiritsa ntchito zida zambiri zomwe zimagwiritsa ntchito magetsi. Batire iliyonse imatha kulipiritsa nthawi 500. Mtengo waja - kuchokera Masamba a 500, batire yoyambitsanso - kuchokera Masamba a 200.
Sitima yapamtunda yambiri… Chofunika kwambiri mu zipinda ndi mbaula zamagetsi, chifukwa zimatha kuphika mbale ziwiri kapena zitatu. Mtengo kuchokera Masamba a 2200.
Ethylene imayamwa mufiriji… Imathandiza kuti masamba ndi zipatso zikhale zatsopano. Mpweya wa ethylene, womwe umatulutsidwa ndi zipatso zina, monga maapulo, umalimbikitsa kucha kenako kuwola kwa zinthu. The absorber idzasokoneza ndondomekoyi. Mtengo kuchokera Masamba a 700.
Zingalowe wazolongedza makina... limakupatsani kulenga chopanda mpweya chidebe kunyumba, imene mankhwala adzasungidwa yaitali. Mtengo kuchokera Masamba a 1500.
Pulogalamu Yoyendetsa… Ndikofunika kuyiyika mchipinda chomwe anthu salowamo kawirikawiri, koma nthawi yomweyo magetsi amayatsidwa. Mwachitsanzo, kavuni, loggia. Mtengo kuchokera 500 ma ruble.
Ndondomeko ya bajeti:
10% yazopeza ziyenera kuyikidwa muakaunti. Phindu lidzakula limodzi ndi ndalamazo. Ngati ndi kotheka, ndalamazi zitha kugwiritsidwa ntchito pazomwe zilipo pano.
30% pazolinga zapompopompo, monga tchuthi.
60% pazomwe zilipo (chakudya + zothandiza + zosangalatsa). Ndikwabwino kugawa ndalamazi ndi 4. Zomwe zimadzagwiritsidwa ntchito zitha kugwiritsidwa ntchito pasanathe sabata.