Buda Mumatambudziko Nokubvuma Matambudziko Ako, Kusarudza Chikwereti-Kutenga Tactic
Pane zvakawanda zvinyorwa zvinotsanangura maitiro evanhu anoshandisa kubuda mune chikwereti. Vanocheka makadhi avo emakadhi, kana kuti vanamatira makadhi avo epurasitiki mumudzi wepanut butter. Vanopedza kutenga makofi ku Starbucks uye vanoshandisa mari yakawedzerwa kubhadhara Visa yavo. Vanotengesa motokari yavo kune imwe yekare kana kuti yakawanda inoshandisa mafuta, kana kuunza muenzi muimba yavo yega yega.
Asi pane nyaya shomanana dzepfungwa uye dzepfungwa izvo vanhu vanofanira kutarisa, zvakare, kana vachida kukurira chikwereti chavo.
# 1: Bvuma Iwe Une Dambudziko
Bvuma kuti une dambudziko rekushandisa. Bvuma kuti iwe wakapfuura musoro wako. Usaita zvikonzero. Hongu, nguva dzaiva dzakaoma. Hongu, mari yakanga yakasimba. Asi pane zvinhu zvaungadai wakaita zvakasiyana.
Chero bedzi iwe uine zvikonzero, unozvipa chibvumirano chinyararire kuti urambe uchidzokorora mimwe miitiro yakaipa yemari. Iwe unopedzisira uchinge uchinge uchitarirwa mumashandisirwo akafanana misungo yakakutungamirira iwe mune chikwereti munzvimbo yekutanga. Nhanho yekutanga yekudzorera chikwereti chako ndeyekuuya wakachena iwe pachako, rega kuzviita zvikonzero, rega kuisa munwe wako kune kunze kwekunze kwekugadzirisa kwako, uye funga nezvekuti ungashandura sei hupenyu hwako.
# 2: Ziva Kusiyanisa Pakati Pechido uye Chido
Vashoma vashoma vanhu vanonzwisisa mutsetse pakati pezvinodiwa uye mararamiro. Chingwa uye mukaka ndizvo zvinodiwa. Oreo kukiki uye ice cream - kunyange nechekuita "yezvokudya," mupfungwa yokuti iwe unenge uchitenga paresitoreti - inzvimbo dzepamusoro.
Kuchengetedza mhepo yepamhepo pane 78 kana 80 degrees munguva yezhizha chinhu chinodiwa; kunyorera air-conditioner kusvika kune 68 kana 70 degrees ndeyekugadzirisa.
Iro 50/30/20 mutemo webhajeti wegumbo , yakakurudzirwa naHarvard economist Elizabeth Warren, vanoti vanhu vanofanira kuronga makumi mashanu kubva muzana yemari yavo kune zvavanoda, 30 muzana kune zvavanoda uye 20 muzana mukuchengetedza uye kuderedza chikwereti.
Kana iwe wakanyanyisa kupedza chikwereti chako, iwe unogona kutora danho rimwe iri mberi: pedza 40 muzana yemari yako yekuwana kuchengetedza uye kuderedzwa kwematokari, uye chete 10 muzana kunotarisira. Gamuchira kuti izvi zvinoda zvibayiro zvakakomba: terevhizheni, terevhizheni kuenda ku-zoo, zvokudya zvekudya uye zvipfeko zvitsva zvingave zvese zvinoda kuderedzwa kubva kumari yemhuri.
# 3: Sarudza Tactic uye Gadzikana Nazvo
Pane maitiro maviri anozivikanwa ayo vanhu vanoshandisa kupwanya chikwereti chavo. Imwe inonzi "chikwereti chechikwata." Pasi pemugwagwa uyu, munhu anofanira kuchengetedza $ 1 000 mune chimwe chikamu chekukurumidzira , uye ozoshandisa mari yega yega yezvikwereti kune chikwereti chiduku chiduku, pasinei nehuwandu hwechikwereti. Vanofanira kuripa chikwereti ichocho kusvikira chavharwa (pavanenge vachiita mari shoma pane imwe chikwereti, hongu).
Kana chikwereti ichocho chikayambuka kubva pakurongwa, ivo vanofanira kushandisa mari yose yavari kushandisa kune chikwereti chinotevera-chiduku pane zvavanoronga, nezvimwe zvakadaro. Chimwe nechimwe chakakundwa chikwereti chinoita kuti "snowball" iwedzere kuwedzera kukurumidza pane imwe inotevera. Uyezve, chikwereti chimwe nechimwe chakakundwa chinoita kukunda kwepfungwa kunokurudzira munhu kurwisa imwe inotevera.
Imwe nzira inonzi "chikwereti stacking." Nzira iyi inoti munhu anofanira kukanda mapeji ega ega ari pachikwereti nemutengo wepamusoro, zvisinei nokuti yakaenzana.
Kana ikangodarika kubva pakurongwa, munhu wacho anofanira kushandisa mari iyoyo kune imwe yakatevera-yakakwirira, nezvimwe zvakadaro. Iyi nzira inochengetedza mari yakawanda mubhadharo yezvikwereti pamusoro pehupenyu hwezvikwereti zvose, kunyange - zvichienderana nehukuru hweyero-zvinogona kutora kwenguva yakareba kuti kukunda mupfungwa kwekudarika chikwereti.
Pane kukakavadzana kukuru pamusoro pehuti urongwa hwakanaka. Mhedziso yangu ndeyokuti mari yemunhu pachake ndeyega; iyo nzira yakanakisisa ndiyo inokodzera unhu hwako hwakanakisisa.
Izvo zvakati, heano mazano angu: sarudza imwe nzira - chikwereti snowball kana chikwereti stacking - uye unamatire nayo. Usatenderera shure-uye-kunze pakati pezvikwereti zvakasiyana-zvekubhadhara maitiro. Tevedzera nzira yawakasarudza kwemavhiki akawanda kana mwedzi. Shandura sekushandiswa kwekupedzisira, kana iwe unotenda zvechokwadi kuti zano iri harifaniri kukutorera iwe.
# 4: Pemberera
Chero nguva chero ipi zvayo unosvika pakukunda kwepfungwa - kana iri chikwereti chimwe chete chikabviswa pane rako, kana masvondo maviri ekuteerera kurongwa kwako kwekubhadhara, kana chero chipi chinokunda chokufananidzira iwe unowanikwa - chepemberera. Farai mairi.
Asi heino muchengeti: usapemberera nayo nekushandisa mari. Izvozvo zvakafanana nekupemberera 5-pound kuora kwekurema ne double-cheeseburger.
Pane kudaro, dzidza nzira dzakasununguka dzokupemberera. Kanda Frisbee mupaki. Tora bhati refu yekugeza. Dzoverengazve bhuku rako raunoda hudiki. Endai kufamba kwenguva refu musango nembwa yenyu. Pemberera pasina kuvhura chikwama chako.