Imikhuba emi-5 nezinto eziyi-8 ukukusiza usebenzise imali encane

Gcina isabelomali somndeni wakho

Labo abangabangane abanekhompuyutha bangazenza “imvumelwano yokubala” ku-Excel. Kukhona enye inketho - isicelo esenziwe ngomumo sekhompyutha noma ifoni. Ngokwesibonelo, www.drebedengi.ru. Lapha ungarekhoda izindleko zawo wonke amalungu omndeni. Noma zenmoney.ru. Isevisi ye-Coinkeeper. ngikuvumela ukuthi ucabangele ukubuya kwezikweletu futhi ugcine umkhondo wemali engenayo nezindleko zenkampani encane. Izinhlelo zinikeza ithuba lokubeka imigomo nokulandelela ukuthi beziseduze kangakanani. I-Accounting izosiza ekunqumeni ukuthi imali yebhubesi iya kuphi, lapho ungonga khona. Akudingekile ukukhumbula izindleko zezikhathi ezizayo - ukufaka esikhundleni samathayi emoto, ukukhokhela umshwalense, kwanele ukugcwalisa uhlu lwemigomo kanye. Uhlelo lokusebenza luzothumela izexwayiso. Ngendlela, izokwazi nokuthumela izingcingo ezikhombisa ukuthi umosha imali.

Ungajahi imikhiqizo ephambili

I-TV enkulu yesikrini esiyisicaba noma i-smartphone yakamuva, okungenakwenzeka ukuthi uyisebenzise imisebenzi yayo engaphezu kuka-10% - idonsa ukunaka. Kodwa akuhlakaniphile ukungena ezikweletini ngento enjalo. Izindleko zemoto, isibonelo, akufanele zibe ngaphezu kwemali engenayo yezinyanga eziyisithupha. Lesi silinganiso sidalwa ukuthi noma iyiphi imoto idinga ukuseviswa. Uma imodeli ibiza kakhulu, izindleko zokulungisa ziphezulu.

Landela amaphromoshini esitolo

Muva nje kube nenzuzo ukuthenga igilosa isonto elilodwa kuya kwamabili ku-hypermarket eyodwa. Uhambo oluncane oluya esitolo, lunciphisa amathuba okuthi ngeke ugcwalise ubhasikidi kakhulu. Manje isimo sesishintshile, ngesinye isikhathi izitolo zamaketango phakathi kwebanga lokuhamba zinciphisa kakhulu amanani. Bheka ulwazi mayelana nokuthengiswa kumasayithi e-aggregator, isibonelo edadeal.ru, www.tiendeo.ru, skidkaonline.ru, myshopguide.ru.

Sebenzisa amakhono amakhadi okukhokha, njengembuyiselo yemali

Ibhange lizofaka ikhredithi ku-akhawunti yakho umvuzo wokuthenga. Uma udinga ukuthenga okungahleliwe (isibonelo, isiqandisi siphukile) futhi unomuzwa wokuthi unemali eyanele emalini yakho yokukhokha elandelayo, ungathathi imali ebolekiwe ebhange, futhi ngisho nangaphezulu, yeka uhlelo lwesitolimende. esitolo. Sebenzisa ikhadi lesikweletu. Uma ubuyisela imali ebolekiwe ngesikhathi, inzalo ngeke isebenze. Yiqiniso, le ndlela yokuthenga ifaneleka kuphela kubantu abaqondile. Ngemva kokuvuma ukubambezeleka kokubuyiselwa kwemali, uzophoqeleka ukuthi ukhokhe iphesenti elikhuphukile ngokusetshenziswa kwazo.

Faka isicelo sezinzuzo

Okusho ukuthi, ukudonswa kwentela ngokuthengwa kwezindlu, imfundo nokwelashwa. Umbuso uzobuyisela amaphesenti angu-13 ezindleko (yize kuphela uma iholo lakho lisemthethweni futhi ukhokha intela yeholo). Ukudonswa kwempahla kunikezwa kanye. Uma ukhokhele imfundo yakho (okuhlanganisa nezifundo eziqhubekayo) noma imfundo yengane, umfowenu noma udadewenu, khona-ke unelungelo lokudonswa imali emphakathini. Izohlinzeka ngenzuzo uma uxhase ngezimali zakho noma owakwakho, ingane engaphansi kweminyaka engu-18, noma ukwelashwa komzali. Izindleko zemithi nazo zizobhekwa.

Isikhwama sezintambo ezigoqekayo… Kukhona nendawo yakhe esikhwameni. Izobuyisela isikhwama sepulasitiki esitolo. Inani kusuka Ama-ruble angu-49.

Ama-Light Light Bulbs… Asebenzisa ugesi ongaphansi ngo-85% kunama-incandescent bulbs futhi ahlala isikhathi eside ngokuphindwe ka-25. Inani kusuka Ama-ruble angu-115.

I-aucator ye-faucet... Igcwalisa umfudlana wamanzi ngamabhamuza omoya, okuvumela ukuthi ugcine umfutho oqinile ngokwanele, kodwa ngesikhathi esifanayo unciphise ukusetshenziswa kwamanzi ngo-40%. Inani kusuka Ama-ruble angu-60… Kukhona nezixube esezilungile ezinama-aera.

Amabhethri aphinde ashajwe kanye neshaja yawo… Kuyadingeka uma indlu isebenzisa izisetshenziswa eziningi ezisebenza emithonjeni yamandla ekhiphekayo. Ibhethri ngalinye lingashajwa izikhathi ezingu-500. Intengo yeshaja - kusukela Ama-ruble angu-500, ibhethri elishajekayo - kusuka Ama-ruble angu-200.

I-multi-deck steamer… Okubalulekile ezindlini ezinezitofu zikagesi, njengoba zingakwazi ukupheka izitsha ezimbili noma ezintathu kanyekanye. Inani kusuka Ama-ruble angu-2200.

I-ethylene imunca isiqandisi… Isiza ukugcina imifino nezithelo kusha isikhathi eside. Igesi ye-ethylene, ekhishwa ezinye izithelo, njengama-apula, ikhuthaza ukuvuthwa nokubola kwemikhiqizo. I-absorber izophazamisa inqubo. Inani kusuka Ama-ruble angu-700.

Umshini wokupakisha we-vacuum… Ikuvumela ukuthi udale isitsha esingangeni moya ekhaya, lapho imikhiqizo izogcinwa khona isikhathi eside. Inani kusuka Ama-ruble angu-1500.

Isizweli Sokunyakaza… Kuyasiza ukuyifaka ekamelweni elingavami ukungena, kodwa ngesikhathi esifanayo, izibani zivame ukushiywa zikhanya. Isibonelo, i-pantry, i-loggia. Inani kusuka Ama-ruble angu-500.

Uhlelo lwebhajethi:

I-10% yemali engenayo kufanele ifakwe ku-akhawunti. Inzuzo izokhula kanye nenani. Uma kunesidingo, le mali ingasetshenziselwa izindleko zamanje.

U-30% wemigomo esheshayo, njengeholide.

60% ezindlekweni zamanje (ukudla + izinsiza + ukuzijabulisa). Kungcono ukuhlukanisa le mali ngo-4. Inani eliwumphumela lingasetshenziswa phakathi nesonto.