Yadda za a yi la'akari da kuɗi da hankali? Yaya kamar ... kidy! Kuma ba za mu yi birgima ba, amma bari kanka Livack kisan kai!
"Kakebo: tsarin kasafin kasafin kudin Japan" (Alpina Wallan, 2016) - Wannan shine sunan Tomik, wanda ya bayyana duk subtutlean tanadi da yawa akan yatsunsu, a cikin wuraren da aka gabatar, musamman haruffa masu tattalin arziki da kuma tattalin arziki wolf). Mun wuce ta kuma mun fahimci cewa wannan shine abin da muke rayuwa kuma mun rasa. Kuma a sa'an nan sun zaɓi wasu abubuwa masu ban sha'awa da amfani.
Menene "Koebeo"
Na'amanin wannan tsarin shine Moto da Jafananci Moto (1873-1957). Wannan matar da kanta ta yi nasara (a makaranta - yarinya kawai a kan rafi, ta kirkiro makarantar mace ta musamman da "aboki na aboki na aboki", wanda ya fi shekaru ɗari ɗari), kuma masu karatu suka koya da kyau. Wato, gyara bayani game da abin da kuka samu, ciyarwa da kuma tanadi - da kuma sarrafa gida na gida. Don faranta wa kanka abin da yake fadi, amma tunani da kuma kari!Na dade ina son fahimtar dalilin da yasa watanni da yawa a ƙarshen kuɗin? Lissafta da tabbatar (ya haye) don fahimtar inda suke nutsar da su? Koyi tara a kan tafiye-tafiye da sha'awa siffofin cakulan? Amma duk wata ta yaya bai isa hannun ba ... don haka kawai babban dalili ne. Muna ba da shawarar la'akari da shi da sihiri - da kuma sa'a na wutsiya!
Don haka, Kuna buƙatar Kakebo Idan:
- Kuna son yin tanadi, amma ba ku san inda za a fara ba.
- Kuna buƙatar kayan aiki wanda zai taimaka sauƙi kuma kawai yana kawo abubuwa don yin oda.
- Kuna son gano abin da muke kashe kuɗi a kowace rana, kuma a rarraba farashi ta irin bukatun.
- Kuna neman wani algorithm wanda zai taimaka waƙa da takamaiman matakanku don kawar da mummunan halaye da maye gurbin su da amfani.
A zahiri, littafin da kansa filin-da aka shirya don rikodin, tare da duk masu zane-zane, sassan, bayani. Kuma daban-daban da aka rubuta da abubuwan motsa jiki - waɗannan sune maƙasudin (Ina so ne!), Da kuma nazarin saƙo da gazawa. Ta hanyar balaguron tafiya a cikin wannan teku, Dennauseves za su yi amfani da allura da ake kira "tip" da kuma toshe suna da ake kira "shakka". Da kyau, a karshen jin daɗi - zane mai zane da tambayoyi masu gaskiya. Yanzu ba safai bane, amma babban bincike! A shekara mai zuwa tabbas zai zama mafi sanyaya! ..
Brief game da ka'idodin ceton kudi
Mataki na 1. Kiyaye lissafin a cikin tsari kowane wata.
A fitar da katunan a teburin a farkon kowane watan - rubuta kudin shiga da gyara ciyarwa. Bambanci tsakanin kudin shiga, gyarawa kashe kudi da adadin da kake son jinkirtawa, kuma akwai wadancan kuɗin da zaka iya ciyarwa a cikin wata daya.
Yi rikodin kuɗi na yau da kullun. Hanyar da ta fi dacewa shine ci gaba da bincike a lokacin rana, sannan a sanya duk ciyarwa a cikin tebur - kafin lokacin bacci ko gobe don karin kumallo.
A ƙarshen kowane wata, lokacin gaskiya yana faruwa. Yaƙin tattalin arziƙin tattalin arziki tare da Wolf Transjoy ya fara!
Mataki 2. Mun ƙididdige ma'auni a ƙarshen watan!
Haɗe da ciyar da sati da jimlar kowane wata a cikin wata ɗaya a cikin rukuni (Kudaden Ciyarwa, Kashewa, Kashewa, Kudi na Ci gaban Al'adu da ƙarin farashi). Don haka zaku tattara bayanan da a ƙarshen shekara za su taimaka zana zana jadawalin kasafin shekara-shekara don nau'ikan kuɗin. Bugu da kari, saboda haka zaka iya suwalla da sannu a hankali da halaye na masu amfani da kuma yadda daidai kake ciyarwa. Misali, ko a yanka ƙarin farashin, ku ƙara ƙarin ƙarin akan ci gaban al'adu, da sauransu.
Majalisa. A cikin ƙarin tebur guda biyar, zaka iya shiga cikin kuɗin da, a cikin ra'ayin ku, dole ne a kula da shi a kai a kai. Misali, sigari, wayar hannu, fetur, da sauransu.
Kuma idan ba a bayyane yake ba tare da ƙidaya? To, alal misali, salon soya. Ga wani, farashin gida ne ("ɗaukar ƙoƙari kada jariri"), don wani - Sake jin kowane mako, tsayayyen hutawa da nishaɗi. Ko hoto: ciyarwa akan cigaban gida ko ci gaban al'adu? Tunaninku fiye da wannan abu - kuma kar ku zagi da zane-zanen "na nishaɗi da nishaɗi", saboda yana iya yin komai.
Mataki na 3. Kalli abin da ya faru kowane kwata.
Wadannan hanyoyin suna kama da, kowannensu yana da halayenta.
Bankin Piggy na Muhimman Tips a cikin salon "Koebeo"
- Sashe na albashi da kuke shirin ciyarwa a cikin wata daya, raba a ko'ina tsakanin makonni. Yi alƙawarin kanku kada ku wuce adadin sati. Idan baku ciyar da kasafin kuɗi na mako ba, yi amfani da wannan kuɗi a mako mai zuwa ko aika zuwa Bankin Piggy. Kuma kar a manta a saka a cikin banki na alade a farkon kowane wata ko a kan asusun sashe na albashi!
- Shirin tattalin arziƙi ne. Gaskiya ne gaskiya ga abinci. Ikon sarrafa kayan adon ku, duba waɗanne samfuran ana adana na dogon lokaci, kuma abin da kuke buƙatar shirya da sauri. Yi menu na kwanaki da yawa kuma saye daidai kamar yadda kake buƙatar dafa abinci. Don haka, ba lallai ne kuyi ragowar samfuran ko samfuran samfuran, za ku ci mafi kyau ba.
- Duk lokacin da ake samun albashi, jinkirta kuɗi don kafaffun farashi a cikin ambulaf. Kada ka manta game da sauran envelopes: Kudin Gida, da sauransu saura da asusun ajiyar banki kuma yi kokarin ciyar da abin da ke cikin ambulaf. Kuna iya aiki lafiya kuɗaɗe lokacin da ake jinkirin abubuwa na asali an dage farawa a gaba.
- Dinka sayayya na wata daya. Yi rikodin duk abin da kuke so saya, lura da kwanan wata da adadin. Idan bayan kwanaki 30 to har yanzu zaka sayi wannan abu, watakila wannan ba irin wannan sharar gida bane. Wannan hanya ce mai kyau don kauce wa sayayya, banda, zaku sami lokacin yin tunani game da halaye na masu amfani.
- Kada ku sayi abubuwa masu arha don tanadi: koyaushe ku tuna rabo daga "Farashi - inganci". Mafi kyau daya mai kyau gumi fiye da goma meddiocre. Abubuwa masu inganci sun kasance sabuwa, banda, zaku guji yawan faɗuwar tufafi.
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Haka ne, kuma mafi mahimmanci ɗaya - saboda mafi daɗi - shawara.
Ko da ba ku cimma duk manufofin ba kuma ba su cika waɗannan alkawaran ba, suna yin duk waɗannan lokutan lokacin da kuka sadu da kyawawan tituna, lokacin da aka kashe a cikin kyakkyawan kamfani ko kadai, Traveled, tafi Cinema, karanta littattafai da kuma saurara ƙafafun ... duk lokacin da ka kalli Kakebo, ka tuna menene kyakkyawan rayuwa, gogewa da abokai da kuma loveauna!