Momwe mungaganizire mwanzeru? Monga-ngati ... Kiddy! Ndipo sitidzafa, koma tidzifunire kudzipulumutsa nokha!
"Kerbo: Katswiri Woyang'anira Bajeni ya ku Japan" (Publina Walpina, 2016) - Awa ndi dzina la Toma, zomwe zikufotokoza zobisika zonse zobisika ndi zochulukitsa zala, zithunzi zomveka bwino (zopezeka pamasamba ake) Tadutsa ndipo tinazindikira kuti izi ndi zomwe tidali m'moyo ndipo tinalimidwe. Ndipo kenako anasankha zina zosangalatsa komanso zothandiza za izo.
"Koebeo"
Zovala za dongosolo lino ndi poto Khani (1873-1957). Dona uyu ndipo iye anali wopambana (kusukulu - mtsikana yekhayo amene ali mumtsinje, m'modzi mwa ophunzira oyamba a Maphunziro apamwamba a azimayi ku Tokyo, adapanga sukulu yapadera yapadera kwambiri ya maphunziro aulere ndi "bwenzi la mnzake wa mnzake", lomwe ndi wopitilira zaka zana limodzi, ndipo owerenga aphunzira bwino. Ndiye kuti, sinthani zambiri zokhudzana ndi zomwe mumapeza, kugwiritsa ntchito ndalama ndi kusungitsa ndalama - ndi kuwongolera ndalama zowongolera kunyumba. Kuti mudzikonde nokha osati monga inagwa, koma mozama komanso mothandizidwa!Ndakhala ndikulakalaka nditamvetsetsa chifukwa cha miyezi yambiri kumapeto kwa ndalama? Kuwerengetsa ndi kutsimikiza (kuti muchoke) kumvetsetsa komwe akumamira? Phunzirani kudziunjikira pamaulendo ndi mawonekedwe osangalatsa a chokoleti? Koma zonse sizinafike manja ... Chifukwa chake chifukwa chachikulu. Timalimbikitsa kuti tiziganizira ndi matsenga a Pendel - ndi kunyamula mwayi wamchira!
Choncho, Mukufuna KAREBO Ngati:
- Mukufuna kusungitsa ndalama, koma osadziwa koyambira.
- Mukufuna chida chomwe chingathandize mosavuta ndikungobweretsa zinthu.
- Mukufuna kudziwa zomwe timagwiritsa ntchito tsiku lililonse, ndipo zimatumiza ndalama ndi mtundu wa zosowa.
- Mukuyang'ana algorithm wina yemwe angathandize kutsata njira zanu zothetsera zizolowezi zoyipa ndikusinthanso zothandiza.
Kwenikweni, buku lenilenilo ndi gawo lokonzekera zojambulidwa, ndi zidutswa zonse, zigawo, mafotokozedwe. Komanso kulembedwa mosiyana ndi zinthu zolimbikitsa - izi ndi zolinga (ndikufuna!), Ndipo ndachita bwino (ndachita bwino? Mwaulendo woyendayenda munyanja iyi, kuyika kwapadera kudzabalira "nsonga" ndi mabatani otchedwa "kukayikira". Mapeto ake kumapeto kwake - zithunzi zowoneka komanso mafunso owona mtima. Tsopano sikuti sinjira, koma kusanthula kwakukulu! Chaka chamawa mwina chidzakhala chozizira kwambiri! ..
Pafupifupi mfundo zopulumutsa ndalama
1 sitepe. Sungani bilu kuti mwezi uliwonse ukhale.
Ikani makhadi patebulo kumayambiriro kwa mwezi uliwonse - lembani ndalama ndi kugwiritsa ntchito ndalama. Kusiyana pakati pa ndalama, kugwiritsa ntchito ndalama zambiri ndi kuchuluka komwe mukufuna kuchedwetsa, ndipo pali ndalama zomwe mungagwiritse ntchito patatha mwezi umodzi.
Lembani ndalama za tsiku ndi tsiku. Njira yabwino kwambiri ndikusunga ma cheke masana, kenako ndikuyika ndalama zonse patebulo - musanagone kapena tsiku lotsatira kudya chakudya cham'mawa.
Pamapeto pa mwezi uliwonse, nthawi ya chowonadi imachitika. Nkhondo ya nkhumba zokhudzana ndi nkhandwe yoljoy imayamba!
2 sitepe. Timawerengera ndalama kumapeto kwa mwezi!
Phatikizanipo ndi ndalama zake mlungu uliwonse ndi ndalama zokwanira pamwezi (ndalama zapakhomo, zomwe zimawononga ndalama zonse, zomwe zingawonongeke, zingakhale zothandizana ndi zowonjezera). Chifukwa chake mudzapeza zomwe kumapeto kwa chaka chidzathandizira kukonza dongosolo la bajeti yapachaka ya ndalama zosiyanasiyana. Kuphatikiza apo, kotero mutha kudziwa pang'onopang'ono zizolowezi zanu zogula komanso zomwe mumagwiritsa ntchito. Mwachitsanzo, kaya ndi zowonjezera zowonjezera, muzigwiritsa ntchito mozama za chikhalidwe, etc.
Khonsolo. M'magome owonjezera asanu, mutha kuyambitsa ndalama zomwe, mukuganiza, ziyenera kuyang'aniridwa nthawi zonse. Mwachitsanzo, ndudu, foni yam'manja, petulo, ndi zina zambiri.
Ndipo bwanji ngati sichimveka bwino ndi chiwerengero? Mwachitsanzo, salon wokongola. Kwa wina, ndi ndalama zapabanja ("kutenga khanda"), kwa winawake - pumulani sabata iliyonse, kupuma mokwanira komanso zosangalatsa. Kapena chithunzi: Kuwononga ndalama panyumba kapena chitukuko? Ganizirani kuposa inu kwambiri ndi chinthu ichi - ndipo musagwiritse ntchito molakwika ma graph "kupumula ndi zosangalatsa", chifukwa zimatha kupanga chilichonse.
3 sitepe. Yang'anani zomwe zimachitika kotala lililonse.
Izi ndizofanana, aliyense wa iwo ali ndi mawonekedwe ake.
Tuggy Bank of Malangizo ofunikira mu mawonekedwe a "koebeo"
- Gawo la malipiro omwe mukufuna kugwiritsa ntchito pasanathe mwezi umodzi, gawani ngakhale pakati pa masabata. Dzilonjezani kuti musapitirire kupitirira kuchuluka kwa sabata. Ngati simunawononge ndalama sabata iliyonse, gwiritsani ntchito ndalama sabata yamawa kapena kutumiza ku banki ya nkhumba. Ndipo musaiwale kuyika mu banki ya nkhumba kumayambiriro kwa mwezi uliwonse kapena pa akaunti ya malipiro!
- Kukonzekera ndi chuma chambiri. Izi zili choncho makamaka chakudya. Lowetsani zogulitsa zanu, onani zomwe zimasungidwa kwa nthawi yayitali, ndipo zomwe muyenera kukonzekera mwachangu. Pangani mndandanda kwa masiku angapo ndikugula chimodzimodzi monga momwe mungafunikire kuphika. Chifukwa chake, simuyenera kuchita zotsalira kapena zopitilira muyeso, ndipo mudzadya bwino.
- Nthawi zonse, kulandira malipiro, chepetsa ndalama zokwanira ndalama zokwanira mu envelopu. Musaiwale za maenvulopu ena: Ndalama Zapanyumba, zosangalatsa, ndi zina zotsalira zomwe zimayikidwa pa akaunti yosunga ndalama ndikuyesera kugwiritsa ntchito maenvelops okha. Mutha kugwiritsa ntchito ndalama motetezeka pomwe ndalama pazomwe zimasungidwa pasadakhale.
- Kusoka kugula kwa mwezi umodzi. Lembani zonse zomwe mukufuna kugula, kuona tsiku ndi kuchuluka kwake. Ngati patatha masiku 30 mukufunabe kugula izi, mwina sikuti kutaya zinthu zopanda pake. Iyi ndi njira yabwino yogulira mokakamiza, pambali pake, mudzakhala ndi nthawi yoganizira za zomwe mumagula.
- Osagula zinthu zotsika mtengo zophera ndalama: Nthawi zonse muzikumbukira kuchuluka kwa "mtengo - mtundu". Bwino thukuta limodzi labwino kuposa khumi biriocre. Zinthu zapamwamba zimakhalabe zazitali, pambali pake, mudzapewa kuthyola zovala.
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Inde, ndipo chofunikira kwambiri - chifukwa chabwino - malangizo.
Ngakhale simunakwaniritse zolinga zonse ndipo sizinakwaniritse malonjezo onsewa, akudziwa kuti KAREBO ndi momwe njira yopangira misewu yonseyi pomwe mudakumana ndi anzanu, Kuyenda, kupita ku cinemama, kuwerenga mabuku ndikumvetsera matayala ... Nthawi iliyonse mukayang'ana ku Kerbo, chifukwa palibe chofunikira kwambiri m'moyo, ndipo timadziwana ndi anzako komanso okondedwa!