5 tsika uye zvinhu zvisere kukubatsira kushandisa zvishoma
Kuchengetedza hazvireve kuchinjira kuchingwa nemvura. Kuti usatambanudze bhajeti kubva pamubhadharo kuenda kubhadharo, zvinodikanwa kuti utore kudzora kwemari.
Kukadzi 10 2019
Chengetedza bhajeti yako yemhuri
Avo vari shamwari nekombuta vanogona kuzviitira ivo "kuverenga-rhyme" muExcel. Pane imwe sarudzo - yakagadzirirwa-yakagadzirirwa kunyorera yekombuta kana foni. Semuenzaniso, www.drebedengi.ru. Pano iwe unogona kunyora izvo zvinoshandiswa nenhengo dzese dzemhuri. Kana zenmoney.ru. Coinkeeper basa. ini ndinokutendera iwe kuti utarise nezve kudzoka kwezvikwereti uye kunyangwe kuteedzera mari uye mari yekambani diki. Zvirongwa zvinopa mukana wekumisikidza zvinangwa uye nekuteedzera kuti vaive padhuze sei. Accounting ichabatsira kuona kuti chikamu cheshumba chemari chiri kuenda kupi, kwaunogona kusevha. Iwe haufanire kugara uchifunga mupfungwa dzemubhadharo wenguva dzemberi - kutsiva matai emota, kubhadhara inishuwarenzi, zvakakwana kuzadza runyorwa rwezvinangwa kamwe chete. Iyo app inotumira machenjedzo. Nenzira, ichave zvakare kukwanisa kutumira maaramu kufona zvichiratidza kuti uri kutambisa mari.
Usadzingirire zvigadzirwa zvemureza
Iyo hombe flat screen TV kana iyo ichangoburwa smartphone, ine mabasa ayo iwe ungangodaro kushandisa anopfuura 10% - inobata kutariswa. Asi hakusi kuchenjera kupinda muchikwereti chechinhu chakadai. Mutengo wemotokari, semuenzaniso, haufanire kunge uchidarika mitanhatu yemwedzi pamari. Chiyero ichi chakakonzerwa nekuti chero mota inoda kusevenzeswa. Iyo inodhura modhi, iyo inodhura iyo yekugadzirisa mitengo.
Tevedza kushambadzira kwechitoro
Munguva pfupi yapfuura zvaive zvinobatsira kutenga zvekutengesa kwevhiki imwe chete kana mbiri mune imwe hypermarket. Iwo mashomanene nzendo kuenda kuchitoro, iwo kudzikira mukana wekuti iwe usinga zadza dengu zvakanyanya. Ikozvino mamiriro zvachinja, dzimwe nguva zvitoro zvemaketani mukati memakiromita ekufamba zvinoderedza zvakanyanya mitengo. Tarisa ruzivo nezvekutengesa pane aggregator nzvimbo, semuenzaniso edadeal.ru, www.tiendeo.ru, skidkaonline.ru, myshopguide.ru.
Shandisa kugona kwemakadhi ekubhadhara, akadai sekudzosera mari
Bhengi rinokweretesa account yako nemubairo wekutenga. Kana iwe uchida kutenga zvisina kurongwa (semuenzaniso, firiji yaparara) uye iwe uchinzwa kuti une mari inokwana kubva muhomwe yako inotevera, usatore chikwereti kubhangi, uye zvakatonyanya kudaro, siya hurongwa hwechikamu muchitoro. Shandisa kadhi rechikwereti. Ukadzosera chikwereti nenguva, mhindu haimhanye. Chokwadi, iyi nzira yekutenga inokodzera chete vanhu vanehunhu. Sezvo wabvuma kunonoka mukudzoka kwemari, iwe unozomanikidzwa kubhadhara yakawedzera muzana yekushandisa kwavo.
Nyorera mabhenefiti
Ndokunge, mutero unobvisirwa kutenga imba, dzidzo uye kurapwa. Nyika inodzosera gumi nezvitatu muzana yemutengo (kunyangwe chete kana muhoro wako uri wepamutemo uye iwe uchibhadhara mutero wemari). Kubviswa kwepfuma kunopihwa kamwe chete. Kana iwe wakabhadharira fundo yako (kusanganisira kuenderera mberi nedzidzo makosi) kana iyo dzidzo yemwana, hama kana hanzvadzi, saka une kodzero yekubvisirwa munharaunda. Uchapa bhenefiti kana iwe wakabhadharira wako kana murume / mukadzi, mwana ari pasi pegumi nemasere, kana kurapwa kwemubereki. Mari yemishonga ichatorwawo.
Zvinhu zvisere kuchengetedza mari
Yakapetwa tambo bhegi… Kune zvakare nzvimbo yake muhombodo. Inotsiva bhegi repurasitiki kubva muchitoro. Mutengo kubva 49 rubles.
LED Light Bulbs… Vanoshandisa 85% mashoma emagetsi pane mabhanduru emagetsi uye anopedzisira ka25 zvakapetwa. Mutengo kubva 115 rubles.
Faucet aerator… Inogutsa rwizi rwemvura nemabhuru emhepo, izvo zvinokutendera iwe kuti uchengetedze kumanikidza kwakasimba zvakakwana, asi panguva imwechete kudzikisa kushandiswa kwemvura ne40%. Mutengo kubva 60 rubles… Kune zvakare kwakagadzirwa-kwakagadzirwa ma mixer nemaaerator.
Rechargeable mabhatiri uye charger kwavari… Zvakakosha kana imba ikashandisa zvishandiso zvakawanda zvinoshanda pazvinhu zvinobvisa simba. Bhatiri rega rega rinogona kubhadhariswa ka500. Chaja mutengo - kubva 500 rubles, rechargeable bhatiri - kubva 200 rubles.
Multi-deck steamer… Yakakosha mumafurati ane chitofu chemagetsi, sezvo ichigona kubika madhishi maviri kana matatu. Mutengo kubva 2200 rubles.
Ethylene inobata firiji… Inobatsira kuchengeta miriwo nemichero zviri zvitsva kwenguva refu. Ethylene gasi, iyo inobudiswa nemimwe michero, yakaita semaapuro, inokurudzira kuibva uye nekuora kwezvigadzirwa. Iyo absorber ichavhiringidza maitiro. Mutengo kubva 700 rubles.
Vacuum kurongedza muchina… Inokutendera kuti ugadzire mudziyo usingapindi mhepo kumba, umo zvigadzirwa zvichachengetwa kwenguva refu. Mutengo kubva 1500 rubles.
Motion Switch… Zvinobatsira kuiisa mune imwe kamuri isingawanzo pindwa, asi panguva imwe chete, mwenje unowanzo sarira. Semuenzaniso, pantry, loggia. Mutengo kubva 500 maRubles.
Chirongwa chebhajeti:
10% yemari inowanikwa inofanira kuiswa muaccount. Purofiti inokura pamwe nemari yacho. Kana zvichidikanwa, mari iyi inogona kushandiswa kune zvazvino mari.
30% yezvinangwa zviripo, senge zororo.
60% pane zvazvino mari (chikafu + zvekushandisa + varaidzo). Zvirinani kupatsanura mari iyi na 4. Mari inoguma inogona kushandiswa mukati mevhiki.