Hazvina basa kuti wakaroorwa here kana kuti kwete, asi kana wasvitsa makore makumi matatu, chero mukadzi anoda kuita dendere rake. Nzvimbo iyo iwe yaunoda kudzoka, ine yemukati mauri kuisa kuravira kwako, manzwiro, mweya. Imba kwaunoziva nhoroondo yechinhu chimwe nechimwe, pamwe nemavara ayo ese nekukwaya. Iko zvese zvaunoziva uye kujairira. Asi ko kana pasina bendekete remurume padhuze? Zvinoitika kuti chero chinhu chinogoneka! Munyori weWday.ru akave nechokwadi cheizvi kubva pane zvakaitika kwaari.
Ndine makore 31 uye ndakarambana. Pamusoro pemakore mashanu ekuroora, ndine maviri mafurati uye maviri ekugadzirisa, zvichiteerana. Ini ndinobvuma, kusiya uye kugovana wechipiri kwaive kwakaoma kupfuura kuwana kurambana. Aive chaizvo zvandaida. Uye zvakanyanya kukosha, yaingova nekicheni chaiyo.
Sezvo mushure mekurambana kubva mudunhu randakasiya kuenda kuMoscow, imba yakanaka yakasara kune waimbova mukadzi wangu. Nezve izvo, akandibhadharira chikamu chakakodzera ndokugara kuti agare mune yakanaka imba. Ini zvakare ndaifanira kutsvaga, kusarudza, kutenga, dhizaini uye izwi idzva kwandiri "mogeji". Asi zvinonyanya kukosha, yaifanirwa kuitwa yega, pasina rubatsiro nerutsigiro rwemurume.
Maitiro ekusarudza
Ndichaita kuchengetedza, ndakatenga dzimba dziri kuvakwa. Yakanga ichibatsira zvakanyanya maererano nemari, uye imba nyowani iri kunakidza kupfuura imba yechipiri. Asi nekudyara mari mukuvaka, uri kutora njodzi mune chero zvazvingaitika. Uye kuti zviite zvishoma, tora hunhu mafungiro kune sarudzo yeako ramangwana imba. Nekudaro, pane mawebhusaiti emabhanga makuru ese pane runyorwa rwevatambi, nzvimbo, nhamba yezvitoro uye gore rekumisikidza chinhu. Idzi ndidzo dzimba mukuvakwa uko iro bhanga rinoisa mari yaro. Izvi, chokwadika, haisi vimbiso yakakwana yekuti kukwirira-kwepamusoro kuchazadziswa nenguva, asi zvimwe zvimwe.
Kutanga, sarudza pane imwe nzvimbo. Ndokumbira utarise kuti mumaguta makuru uye padyo neMoscow, mitengo ichave yakakwira zvakanyanya. Musiyano mumakiromita haugone kupfuura gumi, asi mumari ingangoita miriyoni. Semuenzaniso, imwe-kamuri furati muchivako chitsva muKrasnogorsk, Dolgoprudny, Mytishchi nemamwe maguta akafanana anodhura anenge mamirioni e10, uye kumberi mudunhu - Lobnya, Skhodnya, Nakhabino, nezvimwe - unogona mukati mamirioni 3,9.
Dzidza saiti yechinhu chaunoda, verenga kuti uchawana sei kushanda. Uye uve nechokwadi chekuenda kuchinhu, chitarise nemaziso ako. Chokwadi, kazhinji mugadziri anovimbisa nyore kutakura kuwanikwa, asi muchokwadi zvese hazvina kunyanyisa. Kana pasina mota, saka tsvaga nzvimbo yekuvaka mukati mekufamba chinhambwe chechiteshi. Zvino zvitima zvemagetsi zvinomhanya nguva dzose, uye usavarega vachikutyisidzira.
Nenzira, kuenda kunzvimbo yekuvaka wega hakufadze zvakakwana. Kazhinji, mahofisi ekutengesa ari pakati pemakomba, dzimba dzevashandi uye imbwa dzakarasika. Ehe, dzimba dzekugara dzakadai dzinowana zvivakwa mushure mekunge dzimba dzatanga kushanda. Saka zviri nani kuwana kambani yemibvunzo yakadaro!
Ungawana sei mogeji
Kunze kwekuti iwe unowanzo shandiswa (wanga uchishanda panzvimbo imwechete kweinopfuura gore, une muhoro wepamutemo), iro bhangi rinotendera iyo mogeji pasina matambudziko. Kuunganidza magwaro zvakare hakuna kuoma, iwo akajairika.
Kutanga, unozadza remibvunzo kubhangi. Iine data rako rese pamubhadharo, huwandu hunodiwa hwaunoda kukwereta kubhangi, uye chinhu chauri kuronga kutenga.
Mushure mekuongorora fomu rekunyorera uye kubvumidza chikwereti, bhangi rinoburitsa runyorwa rwemagwaro anodiwa. Mazhinji acho anogara aine mugadziri.
Maitiro ekuverenga mari yechikwereti
Paunenge uchijoinha chikwereti, ramba uchifunga kuti kunyangwe neyakanaka kosi yekuvaka, iyo imba inozotambidzwa kwauri iwe nenguva mune zvisingawanzoitika kesi. Kazhinji, zvakakosha kuti uverenge zvakanaka huwandu hwauchazonyatso kupihwa mogeji, uchifunga nezve renti yeimba.
Semuenzaniso, kana imba inodhura mamirioni 2,5 uye iwe ukaisa hafu, saka kana uchiverenga kuti unogashira zviuru makumi mashanu zvemabhurosi pamwedzi uye wotora mogeji kwemakore gumi nemashanu, saka mubhadharo wemwedzi nemwedzi uri zviuru gumi nezvisere zvemabhuru. Saizvozvowo, shoma mari yawakaisa mari, iyo huru kubhadhara.
Kana iwe uchingova ne20% chete yemari inodiwa (ichi ndicho chidiki chekubhadhara pasi), saka pasi pemamiriro akafanana uchafanirwa kubhadhara anenge zviuru makumi maviri nezviviri zvemabhuru pamwedzi.
Nenzira, vazhinji vanotsvaga kutora mogeji kwenguva pfupi, ivo vanodaro, ivo vaizowana kunyange nayo nekukurumidza sezvinobvira uye kukanganwa. Asi zvinonyanya kubatsira kutora chikwereti kwemakore akawanda. Tarisa maoko ako: iyo inowedzera iyo makore emakore, iyo yakaderera iyo muripo. Iyo diki muripo, mari yemahara yakawanda yasara iyo inogona kumbosendekwa. Mushure mekuchengetedza, huwandu uhwu hunogona kushandiswa pakubhadharisa kwekutanga kweye mogeji. Uye izvi zvinobatsira, nekuti mumakore ekutanga mazhinji emubhadharo wako wemwedzi unoenda kubhangi kunobhadhara chikwereti, uye chikamu chidiki chete ndicho chinoenda kubhadhara chikwereti chikuru. Nemari iyi yakachengetedzwa, unogona kudzikisa chikwereti chikuru uye, semhedzisiro, usabhadhara zvakanyanya kubhanga. Uye panguva imwecheteyo, iwe unogona zvakare kudzikisa huwandu hwemakore echikwereti kana huwandu hwemari dzekubhadhara pamwedzi, sezvaunosarudza wega.
Gadza parutivi mari yakachengetwa: iwe uchazoda zviuru gumi nezvishanu zveinishuwarenzi (kudzamara chinhu chapihwa, mushure meizvozvo inishuwarenzi ichabhadhara zviuru zvishanu zvemaruble)
Ndakamirira gore kune makiyi angu. Uye gore rino raive risiri nyore. Ehe, kubhadhara mogeji pamwe chete kuri nyore. Ini ndaifanira kubatidza austerity. Ndakaverengera kufamba, ndakarega kushandisa dzimwe nzira dzerunako, ndakaderedza kudya kwemanheru mumakamuri nekutenga mbatya. Ivo chete avo vakanyanya kudikanwa ndivo vakasara mune rondedzero yemari.
Mushure mekugamuchira makiyi, ndakapedza mwedzi yakati wandei ndichigadzirisa. Nenzira, zvirinani kuisa iyo yekufungidzira huwandu hwekugadzirisa ipapo mugeji, ndiko kuti, bvunza kubhangi zvishoma kupfuura zvaunoda, kana uchishaya kwekumirira yakawanda isingatarisirwi yakawanda pakupera kwekuvaka. .
Zvino, ndatova neangu furati munzvimbo yeMoscow uye ndichitarisa kumashure, ndinogona kutaura kuti zvese izvi ndezvechokwadi. Chokwadi, kufamba uye kumwe kunonakidza kushandisa kuchiri kufanira kumbomiswa, nekuti iwe uchiri kuda kutenga fenicha uye kubhadhara zvikwereti zvekugadzirisa… Kwete, kwete, hongu, uye pfungwa yekutsvaga yakawanda mari yaunowana ichadzikira, asi neimba regeji zvakanyanya kukosha kuti yakagadzikana.