Nigute ushobora kwegeranya ku nzozi niba uhora ushaka ikintu

Ariko, ntibihagije kwandika amafaranga yabo n'amafaranga yabo - nta na kimwe gisaba inyungu za cumi kuri ibi. Biragoye cyane kubahiriza imbonerahamwe yimari. Kugirango tutarenze ibyemewe, ugomba kwiga ibitekerezo bibiri byingenzi.

Ukuri ni ibi bikurikira: Buri gihe tudahagije

Ku ruhande rumwe, twagize amahirwe yo kuba mw'isi ushobora kuva munzu ushobora kuva munzu no muri radiyo ya kilometero imwe Shakisha supermarket nyinshi, zimwe murizo zizaba hafi yisaha. Kurundi ruhande, ibyifuzo byacu byahuye nibitunguranye bikabije. Ni ukuvuga, hariho amahitamo yemewe, ariko mubyukuri ubwinshi budashobora kwigurira kandi bigatuma hakurikizwa hakurikijwe ikotomoni yabo, kandi ntibikeneye. Kandi mu buryo butunguranye no kudatanga ikintu cyingenzi, ugomba kwiga uburyo ushyira imbere.

Ingengo yimari ishoboye ituje kandi ikizere

Emera ko imihangayiko iba nto cyane, niba ubizi: ahantu runaka mu ibahasha cyangwa kuri konti itandukanye, umusego uterwa muri banki. N'ubundi kandi, nta ijana ku ijana bishobora kumenya neza ejo. Kandi nubwo dushaka gute, ariko ntabwo aribyose mubuzima bwawe turashobora guhindura: Guhatira Majebure, no gutakaza gitunguranye akazi kandi, ikibabaje, ibibazo byubuzima. No kugabanya inkoni y'ibihe ntibizababaza kugirango uzamure ibyatsi by'amafaranga.

Ubwumvikane buke buza ko ubuzima bwiza bwamabamari ari ngombwa muriki gihe, ahubwo no mugihe kirekire, ibibazo byingengo yimari ntibikifatwa nkikintu gikwiye. Kandi hano tujya kubikorwa byihariye.

Bitewe niki kuzuzwa nuburinganire bwawe

Hano ukeneye gusuzuma umushahara wawe (n'umushahara w'abagize umuryango bose), kandi niba utanga inzu, hanyuma amafaranga yinjira mu mutungo. Ushobora kuba washoye ahantu runaka hanyuma ukabona ijanisha. Umubare wanyuma ni umutungo wawe. Amafaranga ava ku bicuruzwa rimwe (urugero, imodoka) cyangwa amafaranga yimpano ntabwo ashyirwa hano.

Pexels / Nataliya Vaitkevich amafaranga ari he, Lebovski?

Gufata, aho amafaranga agenda buri kwezi. Oportphoto, ibiryo, imyambaro, amafaranga yubuvuzi, ubwishyu bwa kure, kwishyuza, kwidagadura, imyidagaduro, salon, ibirango byubwiza - Niki cyandika icyiciro cyo gukoresha amafaranga ahoraho. Kugira ngo isesengura nk'iryo ryoroshye gukoresha amabanki - benshi muribo bahita basuzuma imibare igiciro mugihe wishyuye kugura ikarita. Fata itegeko kugirango wongere amafaranga yose masa muri gahunda imwe kugirango imibare yizewe.

Isesengura ryakoreshejwe

Kuri benshi, birashobora gutungurwa nuburyo amafaranga akoreshwa mugihe cyo kugura. Byasaga naho: kugurisha, t-shirt yagabanijwe, kandi niba ufashe bibiri, noneho impano izatanga ikabutura nziza. Cyangwa urugendo rwo kumugati namata mububiko hafi yahise bahinduka ibicuruzwa byicyumweru. Cyangwa ntabwo icyumweru? Iyo udupaki twipaki rwuzuyemo, biragaragara ko ntakintu gikomeye cyafashwe. Kandi rero buri kwezi cyangwa bibi - buri cyumweru. Niba ushushanyije urutonde rwibicuruzwa bikenewe mbere kandi ufate amafaranga make nawe, byimazeyo kwishyura ibicuruzwa byatoranijwe, ntuzakoresha byinshi.

Intego nuburyo bishobora kugura

Rero, uzatekereza neza impamvu nuburyo amafaranga ukeneye gutatanya. Kurugero: Urashaka gukora "airbag", kwica amafaranga murugendo rwo muburayi, subiza umwenda, herereza umwana mugice cya siporo, tanga inshuti kumugenzi wawe wamavuko, kandi ubwanjye ni inzira nziza kuri Umuganga w'amenyo. Kandi ibi ntabwo kubara amafaranga agezweho "mubuzima". Hariho igiteranyo cyintego hamwe nijwi ryinyigisho kandi ubone umubare wamafaranga "kugirango ubone".

Pexels / Cottonbro Gereranya Umutungo n'Imyenda

Birashoboka ko umubare wumutungo uzaba ufite inshingano nke. Ntakibazo! Bitwaje igihome, ikaye, kubara hanyuma utangire kwandika amafaranga ukoresha.

Imyitozo yerekana ko ikiguzi kiriho gishobora gucibwa na 20-30% kidafite urwikekwe kugirango bihumurize. Birumvikana ko hariho ibyiciro nkibi bitazashobora guca: gukodesha, ubuvuzi cyangwa amafaranga yo guhugura abana. Ariko ubundi ushobora gukora ubugenzuzi bukomeye. Kurugero: Nta kugura isosiyete - irinde kugura utateganijwe kwa Wordrobe cyangwa ubuzima; Kugura ibicuruzwa - ako kanya icyumweru, kugirango utatanye kuri cake cyangwa pizza nyuma yakazi; Aho kuba tagisi - bisi; Mu mwanya wa kawa hamwe nanjye - ikawa kuva murugo mumagambo ya marmocruise. Ibyumweru bibiri gusa byubutegetsi nkubwo, kandi uzabona amafaranga yinyongera mumufuka wawe.

Ibiciro byintego ninzozi nibyiza kuko benshi muribo barashobora kuramburwa mugihe: niba ibiruhuko biteganijwe mu mpeshyi, urashobora gutangira kuzigama bisanzwe mumwaka mushya. Byongeye kandi, ntabwo ari ngombwa kwerekana inzozi zose icyarimwe. Gukwirakwiza imyenda ya mbere, hanyuma ugure impano kumugenzi kumunsi wamavuko, hanyuma wishyure amasomo cyangwa abiyandikishije.

Mubuhanga, biroroshye cyane gukora. Urashobora gufungura konti nyinshi zinyamanswa muri banki kandi uhindure bisobanura ibice kuri buri mushahara. Kandi urashobora gukwirakwiza amasoko atandukanye yinjiza. Kurugero: Umushahara w'amafaranga akoreshwa muri iki gihe, inyungu ku ishoramari - ku mpano no kugenda.

Kugabanya inkunga yo gukoresha no kugabanya aho bishoboka, gukoresha amafaranga, uzareba uburyo icyuho kiri hagati yumutungo nukwezi bizagabanuka kwa mbere, hanyuma bizayifata na gato. BYOSE, Gahunda yingengo yimari iriteguye! Ku ntangiriro, ntibishobora kuba byoroshye kubahiriza ibiciro byose byakoreshejwe, kandi birashoboka ko gusenyuka. Ntutekereze, ibintu byose bizanwa nuburambe. Cyane cyane cyane kugirango dukomeze gukurikiza gahunda birashobora kuba impera yukwezi. Iyo urebye uburyo amafaranga ari inzozi zawe, ingeso nshya ziracyigirira icyizere.