Ukwati wa Budget. Izi ndilo loto la anthu ambiri okwatirana kumene, chifukwa alendo ochuluka, kugwiritsa ntchito zinthu zosiyanasiyana zofunikira zimapangitsa mtengo wa chochitika ichi chosafunika kwambiri. Choncho, ena amasankha ukwati kunja kwa dziko kuti apulumutse alendo oitanidwa, ena akuwombera ubongo wawo momwe angapangire chochitikachi mtengo kumudzi kapena kunja kwa tawuni, ndiko kuti, momwe angapangire ukwati wotchipa komanso woyambirira.
Kodi mungasewere bwanji ukwati popanda ndalama zambiri?
Amakhulupirira kuti kukonza wokongola ukwati muyenera kukhala wopanda malire bajeti. Koma nthawi zambiri mumakhala pa mtengo wapatali komanso pathos ya ukwati, mukuwona kuti ndizosangalatsa komanso osasangalala. Pofuna kumvetsetsa momwe mungagwiritsire ntchito ukwati mopanda malire komanso mopanda malire, muyenera kupanga ndondomeko yowonongeka, kenako ganizirani momwe mungagwiritsire ntchito mfundo zake mtengo:
- Malo odyerawa amalowetsedwa ndi nyumba ya dziko ndi chakudya.
- Bwererani ndi kalembedwe ndipo malinga ndi iye mutenge suti za mkwati ndi mkwatibwi.
- Ganizilani momwe mungakongoletsere mipando ndi chingwe cha mwamboyo malinga ndi kalembedwe kosankhidwa.
- Mmene mungapangire ukwati bouquets nokha.
- Pangani chikalata cha chikondwerero popanda woyang'anira wamkulu.
- Pezani chiwerengero cha alendo.
Ukwati ku kanyumba
Iyi ndi njira ina kuchokera ku gulu - momwe mtengo ungasewerekere ukwati? Chochitika choterocho chimapereka mwayi wambiri wopanga zinthu. Ngati mulibe gazebo yokongola, koma pali udzu wokongola kwambiri, chochitikachi chikhoza kuchitika muhema wapadera. Ukwati wotero umapindulitsa zambiri:
- malo okongola a zithunzi;
- palibe chifukwa chokhala pa tebulo nthawi zonse;
- kukwanitsa kugwiritsa ntchito zochitika zirizonse;
- kukhazikitsidwa kwa chochitika chenicheni;
- palibe malire a nthawi;
- kusakhala kwa akunja;
- kuthekera koyambitsa zida zamoto, laser ndi ziwonetsero zamoto.
Lero ndikulimbikitsidwa kuti muzipereka zothandizira pazochitika zoterezi. Utumikiwu umakupatsani zakudya zatsopano, zokongoletsedwa bwino, ntchito ya odikira, komanso kukupatsani zonse zomwe mukufunikira kubwereka:
- magome;
- mipando yokongoletsedwa bwino;
- zikondwerero;
- chithunzi;
- mbale zodula ndi zokongola;
- nsalu zapamwamba;
- mahema omwe adzateteza mvula ndi dzuwa;
- mabango okongoletsedwa bwino kuti achite mwambo wotuluka.
Ukwati Wanyumba
Chochitika chotero si njira yokha yokonzera ukwati wa bajeti, komanso mwayi wokondwerera mwambo wapadera mwa njira yokondweretsa ndi ya banja. Kwa onse anali pazomwe akufunikira kupeza, kugwiritsa ntchito nthawi ndi mphamvu kuphika, kukonzekera malo. Koma chochitika chotero sichidzakhala chokwera monga mu lesitilanti. Ukwati panyumba uli ndi ubwino wambiri:
- palibe ndalama zotsatsa;
- palibe malire pa kuchuluka kwa ndalama kwa munthu;
- palibe malire a nthawi;
- wokondweretsa mabanja;
- zosavuta kwa achibale okalamba.
Musanavomereze mtundu woterowo, ndibwino kuganizira zolephera:
- danga laling'ono;
- kudziyeretsa, kukongoletsa, kuphika ndi kutumikira;
- palibe kuthekera kuti muwonetse nyimbo zamoyo;
- chochitika chopweteka popanda woyang'anira wamkulu;
- chiwerengero chochepa cha alendo.
Ukwati pamodzi
Tchuthi limeneli ndi:
- kusowa alendo;
- osagwiritsa ntchito paitanidwe;
- popanda kugwiritsa ntchito kubwereka holo ndi galimoto;
- popanda zovuta za momwe angabzalitsire ndi kusangalatsa mabwenzi ndi achibale;
- sayenera kuganizira momwe mungagwiritsire ntchito tsiku lachiwiri la ukwati ;
- popanda kusowa mphamvu ndi mitsempha pachabechabe.
Ukwati wa awiri ndi nthawi yokhala ndi theka la nyumba, ku hotelo, mu malo osangalatsa kapena nyumba yachikale, kuti muzisangalala ndi maganizo anu. Ndipo izi sizikutanthauza kuti bajeti yotereyi idzakukakamizani kusiya zovala zokongola ndi ntchito za wojambula zithunzi. Choncho ndizovomerezeka kuti anthu omwe angokwatirana kumene amabwera ku ofesi ya registry, ndipo nthawi yomweyo amachoka paulendo. Ndipo aitaneni alendo ndi achibale angakhale pambuyo.
Ulendo waukwati
Ukwati wa bajeti ungakondweretsedwenso kunja. Chifukwa choti kudyetsa odwala ambiri muresitora, kukonza nkhuku ndi phwando, kubwereka galimoto, zidzakhala zodula kuposa kulipira gululo ndi anthu ena apamtima kudziko lina. Bungwe la ukwati wotsika mtengo kudziko lina likukhudzana ndi mavuto ena, kotero ndi bwino kuzipereka kwa bungwe loyendayenda lomwe:
- kulemba ma visa;
- lendi ya hotela;
- zokongoletsa za chikondwererocho.
Chochitika choterocho chiri ndi ubwino wambiri:
- alendo ochepa;
- zojambula zosakumbukika ndi zomveka;
- kuchotsa ku hotela pokhudzana ndi chikondwerero;
- simusowa kukonza phwando lachisangalalo .
Mmene mungasungire ndalama paukwati - nsonga zam'mutu
Ambiri okwatirana kumene asanakonzekere kupambana amafunsidwa funso: Kodi mungasunge chiyani paukwati? Kuti mupeze ukwati wokondwerera bajeti, m'pofunika kulembera mndandanda wa ndalama zomwe mumagwiritsa ntchito ndi magulu osiyanasiyana ndikuganizira mosamala za momwe mungapewere ndi "magazi pang'ono".
1. Chiwerengero cha alendo . Mtengo wa chochitikawu umadalira mwachindunji chiwerengero cha alendo, kotero abwenzi onse anganene kuti:
- mumakondwerera ukwati wokhawokha ndi achibale, chifukwa mwathupi simungathe kusonkhanitsa zonse;
- Makolo amalipira ukwatiwo, choncho amalemba mndandanda wa alendo oitanidwa;
- ndi abwenzi omwe mumasangalala nawo phwando la nkhuku ndi nkhuku.
2. Gwiritsani galimoto . Tsopano amzanga ndi achibale ambiri, oyandikana nawo amakhala ndi magalimoto okwera mtengo, okongola, ndipo ngakhale bwino ngati ndi minibus. Kotero ngati muwapempha iwo kuti akonde, pemphani ku mwambowu ndipo perekani ndalama zochepa, ndiye palibe amene angakane.
3. Miyendo yaukwati . Mfundo imeneyi yogwiritsira ntchito ndalama ikuphatikizapo ndalama zambiri. Kawirikawiri, mtengo wa mphete zingagwiritsidwe ntchito kuchokera pa zikwi zochepa kufika pa khumi ndi ziwiri ndikufika pa kotala pazochitika zonse zapamwamba pazochitikazo. Komanso ngati mukuganiza za momwe mungakonzekere ukwati, ndiye apa mukhoza kusunga:
- Gula siliva mmalo mwa golidi;
- Gulani ndi kuchotsera pa katundu;
- kulamula kupanga golidi uliwonse wosungidwa m'banja;
- kugula zochepa ndi zosalala ziri zotchipa;
- pa chiwonetsero chogula mwachindunji kuchokera kwa wopanga.
Kodi kuvala kwa ukwati ndi wotsika mtengo bwanji?
Zovala za mkwati ndi mkwatibwi ndizomwe zimagwiritsidwa ntchito kwambiri. Koma pano mukhoza kupulumutsa zambiri. Ngati mukuganiza momwe mungakonzere ukwati wa bajeti, mumatsimikiza kuti njira yabwino yothetsera banja lokwatirana ndi kuvala diresi ndi suti kubwereka. Ndikuganiza kuti ndibwino kuti ndigwiritse ntchito tsiku lina muvalidwe la crinoline, ndikutheka kuti musayambe kuvala kachiwiri, palibe zikwi zingapo, ndipo mwina makumi khumi.
Fatou ikhoza kusinthidwa:
- Mphuno ya mitundu yopangira kapena yachilengedwe;
- chokongoletsera chokongola;
- chipewa choyambirira;
- cape cache.
Budget ukwati wokongoletsera
Kutulutsa holo pamsonkhano wapadera sikovuta nkomwe. Ngati simukudziwa luso la wolembetsa, ndiye pa intaneti pa pempho "momwe mungakondweretse ukwati wosagula" pali masukulu ambiri komanso mavidiyo okhudza ukwati wokha , ndiye kuti mudzasangalala kwambiri kuthandiza abwenzi kapena achibale anu. Nazi malangizo ena:
kugula kwa mitundu yosiyanasiyana kudzakhala yotchipa kusiyana ndi nyimbo;
kwa kulembetsa kwabwino kofiira kofiira kuchokera ku dzanja lachiwiri;
Tebulo lachi Sweden la ukwatiwo
Ngati mumalota za momwe mungakondwerere ukwati wosadulidwa komanso wodabwitsa, ndiye uwu ndi njira yabwino kwambiri kwa inu - bungwe la buffet ndi njira yabwino yopezera phwando laukwati ili ndi ubwino wotere:
- ogwira ntchito yosamalira osamalira, monga alendo akudzipereka okha;
- chisangalalo;
- palibe kuyembekezera utumiki;
- alendo angadye pang'ono, chifukwa ndi kovuta kuika zakudya zambiri pa mbale pamene aliyense akukuyang'anani.
Kodi ndikufunikira wojambula zithunzi za ukwati?
Ngati mukuganiza za mtengo wotsika kuti ukhale phwando laukwati, ndiye wojambula zithunzi ayenera kuitanidwa kokha kupenta ndi kuyenda. Pamsonkhano, padzakhala mabwenzi anu ambiri omwe adzachotse nthawi zonse zofunika pa makamera a mafoni okwera mtengo. Ndipo ngati pali alendo ambiri, sangawononge chirichonse chimene mukufuna kuti mumange.
Kodi mungapeze bwanji popanda mtsogoleri wamkulu?
Mukukonzekera mwambo wapadera ndikuganizira momwe mungakonzekere ukwati, ndiye kuti ndibwino kukana ntchito za mtsogoleri wamkulu. Mukhoza kukonza zonse nokha - zosangalatsa ndi zaulere. Poonetsetsa kuti chochitikacho sichitha kukhala banal booze, m'pofunika kukonzekera bwino - kuyang'ana mavidiyo pa Intaneti ndi masewera, kupeza mabuku pa mutu uwu. Pano pali zosangalatsa zabwino zomwe mungachite popanda mwambo wapamwamba:
- kopanda;
- mpikisano wokondweretsa;
- Maphunziro avina a ku Ireland;
- chowotcha;
- Kuyankhulana pamutu wakuti: "Chikumbutso chosangalatsa kwambiri cha mkwati ndi mkwatibwi" ndi kupereka mphatso;
- cholota kwa alendo;
- sungani nyimbo.
Chinthu chachikulu ndi chakuti chochitikacho popanda wopanga masewerawa atapambana, m'pofunikira kuika wofalitsa kuchokera kwa alendo. Adzakhala ndi chidwi pazochitikazo, adzakonzekera mpikisano ndipo adzatsindika mwambo waukulu wa ukwati - msonkhano wa achinyamata m'malesitilanti, kuvina koyamba, kupereka mphatso. Ngati izi sizichitika, ndiye kuti otsogolera akuyenera kukhala okwatirana kumene.
Ngati mulibe ndalama zokwanira kupanga ukwati wanu, musataye mtima. Pofuna kusankha momwe mungapangire ukwati wokwera mtengo koma wokongola - simukusowa ndalama zambiri. Ndikofunika kupanga ndondomeko ya chochitikacho ndikuponyera kunja kwake zomwe zingapulumutsidwe, kuwonjezera malingaliro ndi chisangalalo chabwino . Ndiye ukwati wanu wa bajeti udzakhala wosangalatsa komanso wosaiwalika.