Benshi bamaze gukandabaza interuro yinteruro ko umunezero utari mumafaranga. Kandi benshi muritwe tuzi uburyo ubutunzi bugira ingaruka cyangwa kubura ubuzima bwacu n'ibyishimo. Ariko nigute ushobora kuba umukire? Nigute ushobora guhagarika gutekereza kuri buri kimwe mumara, kubara amafaranga mbere yumushahara no kwanga ibyifuzo?
Mu kiganiro cyanjye, nzatondekanya inzitizi eshanu zingenzi zihagaze munzira ya buri muntu no kumutandukanya ninzozi z'ubutunzi.
Motifike
Reka turebe iyi nzitizi kurugero rworoshye. Utekereza ko bizafasha iki guhuza vuba no kunywa - amahano ateye ubwoba yerekana umwijima, hamwe nibisobanuro byifu iteganijwe, cyangwa videwo nto kandi yumvikana, aho inzobere zizavuga muburyo bworoshye Gusezera kuri inzoga zinzoga iteka ryose?
Niba wemera ko igisubizo nyacyo ari icya kabiri, noneho cyaribeshye cyane. Benshi mu basinzi nyuma yo kureba amashusho ya kabiri, wenda ndetse bagamije kugeza igihe bakurikiza inama yinzobere, ariko muri 99,9% byimanza bazayibagirwa muminsi mike.
Ariko nyuma ya videwo yambere, bafite mubwonko, byibuze imyaka myinshi ishusho yimibabaro iteye ubwoba kuva ejo hazaza habo izasubika.
Ibisubizo byari vuba aha byerekanaga ubushakashatsi buherutse kuba abaganga basohotse ku mpapuro z'ikinyamakuru cy'Abanyamerika mu guteza imbere ubuzima. Itsinda ry'abashakashatsi banzuye ko moteri ari inzira nziza yo guhindura itari itangwa ry'amabwiriza. Umuntu akimara gushaka ikintu, azabona inzira kandi uburyo bwo kubigeraho.
Umuntu wese wageze ku butunzi no gutsinda byari igitekerezo kigaragara cyibyo yashakaga. Ariko ntiyari azi gusa icyo agomba guharanira, yari afite urugero rwo hejuru cyane.
Ubutaha utekereza kubutunzi, ntutekereze imifuka namafaranga, ntibishoboka ko bizatera imbaraga. Nibyiza cyane niba utekereza kubyo wakoresha iyo mifuka: Reka duseke ku rugendo uzajyana na bene wanyu, ku modoka nziza y'amabara ukunda, ibijyanye n'imiryango yawe izashobora kubona icyumba cyihariye (cyangwa aho ushobora gutanga ibikoresho cyangwa siporo).
Cyangwa birashoboka ko ushaka kwerekana impano kumuntu hafi kandi kavukire kubyerekeye igihe kirekire, cyangwa kubaka inzu yimfubyi.
Amafaranga nigikoresho cyacyo kizaduha amahirwe yo kubahiriza inzozi zawe mubyukuri, ntukifuze gusa ubutunzi, ahubwo uharanire kwigira umuntu.
Amahugurwa
Niki wahitamo gukora, mbere ya byose, tangira wiga. Nubwo bisa nkaho ari "umenyereye amakuru yose" cyangwa "5 y'Ikigo - Ibi birahagije", shakisha ibitabo byihariye hanyuma uyige. Byongeye kandi, ntibishoboka kubona ibyiza, utazi kuvugana, nuko ubone amakuru kuri psychologiya yubusabane nubucuruzi.Ibibujijwe
Mbere yo gukomeza gushyira mubikorwa gahunda, tekereza kubyo ugomba kwanga. Wigeze uhura numukire rwose? Nukuri umunsi we washushanijwe muminota, mubisanzwe, afite umwanya kandi agenda ku cyuhirahiro cyiza, ariko mugihe cyiterambere ryimishinga mishya, igihe kinini cyinshi ni icyakazi. Kubwibyo, mbere ya byose, sobanukirwa ko mugihe cyiterambere ryubucuruzi bwawe, ugomba kuguha cyane - muminsi yamasaha 24 gusa, kandi ibi bihoraho bidafifiye kuri buri wese.
Njye, ntabwo, ntukagutera guteza imbere ubucuruzi bwawe cyangwa guharanira ingazi zumwuga, gusa ejo hazaza ukeneye kumva ko icyitegererezo "akazi - ntabwo kizakuzanira amafaranga menshi kandi igomba kuyireka. Mubyongeyeho, uzabura rwose ibirori byinshi byumvikana muri wikendi.
Mu ntangiriro yinzira yayo igana ubutunzi, kora urutonde ntabwo ari ngombwa mubuzima bwawe, kandi umarane n'inyungu. Niba udashobora gutandukana nibintu, gerageza kubikora muburyo buke - kurugero, inama za buri cyumweru ninshuti zaciwe rimwe mukwezi.
Tangira
Bakimara gufata icyemezo cyo gukora - kora! Ntugasubiremo intangiriro yo gushyira mu bikorwa umushinga wawe "kuri nyuma". Abahanga mu by'inararibonye batongana niba umuntu atatangiye gushyira mu bikorwa icyemezo cye mu masaha 72, birashoboka cyane ko atazigera abira. Ntukizere ko uzahinduka imodoka iremereye yo gushaka amafaranga mumyaka icumi, mumwaka cyangwa kuwa kabiri utaha.
Umushinga uwo ari wo wose ushize uzaba ubanza ubanza ubanza uhari: Kugura inzu mugihe uri umunyeshuri, uburezi bwumwana, mugihe ukiri umwana wubwenge kandi wishimye, cyangwa mugihe udafite ubumenyi bukenewe, mugihe udafite ubumenyi bukenewe cyangwa uburambe. Ntugomba gutekereza kubyo ugomba gukora mubuzima - ugomba gutera imbere! Gushidikanya bikurikirana abantu hafi ya bose, ariko "inzira igenda" izabazwa gusa. "
Kora gahunda kandi ugerageze kumukurikira. Ntugerageze muminsi yambere kugirango ushireho intego zidashoboka imbere yawe - reka bibe iminota mike kumunsi (kurugero, igice cyisaha cyangwa kimwe cya kane cyisaha buri munsi kugirango wige ibitabo bikenewe), ariko buri gihe.
Ibyishimo ntabwo biri mumafaranga
Kora ibizanira umunezero. Birashoboka gukora buri munsi amezi menshi cyangwa imyaka akazi udatanga umuntu wishimye? Nibyo, birashoboka, ariko ntibizigera bizana inyungu zifatika. Gusa urubanza rushyiramo igice cyubugingo, gihinduka isoko yibyishimo, ntigishobora kuzana inyungu gusa, ahubwo kigukungahaza.
Tekereza ko ukunda gukora ibyo wifuza gukora buri munsi imyaka myinshi, hanyuma nyuma yizo uhitamo uburyo ushobora gushaka amafaranga.
Nizere ko ingingo yanjye idakufashije gusa gusubiza ikibazo "Kuki ntari umukire?", Ariko nanone wanduye icyizere nicyifuzo cyo guhindura ikintu mubuzima bwe kubwibyiza.
Umwanditsi - Ekaterina Umurobyi
Isoko - Sprangzhizni.ru.