Zamkatimu
Momwe mungadzazire firiji ndi zinthu zokoma ndi zosiyanasiyana komanso nthawi yomweyo kulowa mu bajeti ya banja? Wogula wamakono ali ndi ma hacks ambiri amoyo pa izi. Simuyenera kupulumutsa pa khalidwe la mankhwala ndi thanzi la okondedwa anu.
Onani kuchotsera ndi kukwezedwa
Zogulitsa zomwe zikutsatiridwa zimadzutsa kukayikira: zikuwoneka kuti umu ndi momwe sitolo imachotsera zinthu zomwe tsiku lotha ntchito latsala pang'ono kutha. Koma sizili choncho nthawi zonse. Nthawi zambiri wopanga mwiniyo amapereka katundu wotchipa kuti awonjezere malonda. Zotsatira zake, zonse zimakhala zakuda: sitolo imachulukitsa ndalama, wopanga amawonjezera ndalama, ndipo wogula amawononga ndalama zochepa. Chifukwa chake, nthawi zonse yang'anirani kuchotsera m'masitolo akuluakulu, koma kumbukirani: m'sitolo imodzi, chinthu chokhala ndi kuchotsera chikhoza kukhala chokwera mtengo kuposa china popanda kuchotsera.
Onani masitolo 3-4 pafupi ndi nyumba yanu ndikuyerekeza mitengo yazogulitsa kuchokera mubasiketi yanu yokhazikika. Mwinamwake, zidzakhala zopindulitsa kwambiri kwa inu kugula mkaka ndi ndiwo zamasamba mu sitolo imodzi, ndi nyama ndi mkate wina. Dzipangireni tebulo laling'ono - zidzakupangitsani kukhala kosavuta kukonzekera ulendo wogula ndikutsatira zotsatsa.
Osapereka ndalama zambiri pazomwe simukufuna
Samalani ndi masheya ngati "3 pamtengo wa 2". Ngati mankhwalawo awonongeka msanga, werengerani ngati mudzakhala ndi nthawi yoti mudye chilichonse tsiku lotha ntchito lisanathe. Ngati mukugula kwa wopanga uyu kwa nthawi yoyamba, ganizirani ngati mudzabweza ngati mwadzidzidzi simukukonda kukoma. Mwina ndi bwino kutenga phukusi limodzi la chitsanzo kusiyana ndi atatu nthawi imodzi ndi kukwezedwa.
Gulani mu ma hypermarkets
Masitolo pafupi ndi nyumba ndi abwino, koma pafupifupi nthawi zonse amakhala okwera mtengo kuposa ma hypermarkets ndi unyolo waukulu wa golosale. Ngati hypermarket ili kutali ndi inu, konzani kugula zinthu pasadakhale - ndi bwino kupita ku sitolo yayikulu 2 pa mwezi ndikudya kumeneko kwa milungu ingapo kusiyana ndi kubweza kamodzi pa sabata komwe kuli. pafupi ndi nyumba. Lembani mndandanda wa zonse zomwe mungagule zamtsogolo, ndikupita nazo ku sitolo. Choyamba, ndizosavuta kugwiritsa ntchito mndandandawo, ndipo kachiwiri, zikuthandizani kupewa kugula kosakonzekera.
Masitolo akuluakulu a unyolo nthawi zonse amatulutsa timabuku tokhala ndi zopatsa zapadera. Osawataya, koma phunzirani mosamala. Izi zidzakuthandizani kukonzekera kugula kwanu kwakukulu. Ngati munalibe nthawi yoti muwapeze potuluka kapena potengera, onani tsamba la sitolo. Kusaka zotsatsira pamanetiweki akulu, pali mapulogalamu apadera-ophatikiza zochotsera, ndizothandiza kuwayika pa smartphone yanu.
Gwiritsani ntchito cashback
Cashback ndi kubwezeredwa kwa gawo la ndalama zomwe zidagwiritsidwa ntchito. Ngati mumalipira ndi khadi lobweza ndalama m'sitolo, peresenti ya ndalamazo idzabwezeredwa ku khadi lanu. Banki imakubwezerani ndalamazi, osati masitolo, ndipo imachita zimenezi kuti mugwiritse ntchito khadilo pafupipafupi. Chowonadi ndi chakuti banki imalandira ndalama pazochita zanu zilizonse ndipo ili okonzeka kugawana nawo gawo la phinduli kuti musagwiritse ntchito ndalama pafupipafupi. Cashback ikhoza kukhala yosiyana, kutengera khadi yomwe mumalipira. Nthawi zina mabanki amabwezera mabonasi omwe angagwiritsidwe ntchito m'masitolo apadera. Kapena mfundo zomwe zingagwiritsidwe ntchito kubweza zinthu zina zokha. Cashback imapezekanso mu rubles, mwachitsanzo, ndi khadi la Tinkoff Black. Malinga ndi izi, kamodzi pamwezi, banki imabweza 1% ya ndalama zomwe mumawononga mwezi uliwonse. Mutha kuwagwiritsa ntchito mwakufuna kwanu.
Koma 1% sichokwanira chomwe mungapeze kuchokera pakhadi. Makasitomala aliyense alinso ndi magawo atatu obweza ndalama, omwe angasankhidwe pawokha. Pakati pawo pali "Supermarkets", "Zovala", "Nyumba / kukonza", "Malesitilanti", ndi zina zotero. Pogula m'magulu awa, banki idzakubwezerani ndalama 10% pa kugula kulikonse.
Kubweza ndalama kosangalatsa kwambiri kungapezeke pogula kuchokera kwa abwenzi a banki. Pakati pawo pali maukonde akuluakulu monga "Carousel", "Crossroads", "Pyaterochka" ndi "Auchan". Malinga ndi zopereka zapadera, kubweza ndalama kumafika 30%, ndipo m'masitolo awa kumachitika m'chigawo cha 10-15%. Kubweza ndalama kwa omwe akugawana nawo kumaphatikizidwa ndi kubweza kwanthawi zonse, kuti mukaphatikiza bwino mikhalidwe, mutha kusunga mpaka 20% yamtengo wogula.
Ndi mabonasi ena ati omwe Tinkoff Black khadi ali nawo?
- 10% amalandila kubweza ndalama kwa gulu la "Supermarkets" mpaka ma ruble 1000.
- Khodi yotsatsa ya kuchotsera 5% m'ma studio ophikira a Yulia Vysotskaya.
- Mwayi wopambana limodzi mwa mabuku asanu a Yulia Vysotskaya "Chaka Chokoma".
- Kuchotsa ndalama kwaulere pama ATM aliwonse padziko lapansi kuchokera ku ma ruble 3000.
- Kusamutsa popanda ntchito ku makhadi a mabanki ena mpaka ma ruble 20,000.
- 6 % pachaka pa akaunti yotsalira.
Mutha kulandira kubweza ndalama, kuchotsera pa kalasi yambuye ndikutenga nawo gawo pojambula buku la Yulia Vysotskaya potsatira ulalo.