Iko 50-30-20 Imari Yemajeri Tinowanikwa Nezvavanoda
Inoda iri muZiso reKuona
Rega ndikutaurire nyaya pfupi inoratidzira mafungiro akangoita pakati pezvinodiwa nekushaiwa:
Pane chiitiko chekare cheterevhizheni yevana yeSesame Street iyo Elmo, mupeet mutsvuku, anodzidza kuchengetedza mari .
Ron Lieber, munyori wemari weNew York Times, akambobvunzurudza Elmo pamusoro pemusiyano pakati pezvaidiwa uye zvinoda.
Lieber akabvunza kuti: "Kana Cookie Monster iine nzara yekiokie, zvinoreva here kuti inoda kana inoda?"
Elmo haana kushaya kurohwa.
"Anoda," Elmo akapindura, " asi kana ukakumbira Cookie Monster , iye (anofunga kuti) anoda."
Izvozvo zvinoreva zvose. Dzimwe nguva, zvatinoda zvakasimba zvekuti hatigoni kufungidzira kurarama pasina chinhu ichocho. Tingazonzwa seCokie Monster pasina cookie.
Asi-kuvhiringidza kuputsa nhau, Cookie Monster - cookie inoshaiwa, kwete chido, zvisinei kuti unoifarira zvakadini.
Ndezvipi Zvidi Zvechokwadi Zvaunoda?
Mumabhadharo angu ebhizimusi , ndine zvikamu zvezvidikanwi zvekudikanwa uye zvinoda, asi vamwe vanhu vanopesana nezvinhu zviri mu "anoda" chikamu.
Indaneti yepaIndaneti, somuenzaniso, inorondedzerwa seanoshaiwa, kwete chido . Vanhu vakawanda vanoshamwaridzana neIndaneti se "chido." Asi kunze kwekuti iwe uchishanda kubva kuhofisi yeimba (pane iyo nyaya, internet yako yepamba ingave yebhadharo yebhizimisi), kune nzvimbo yakanaka yekutengesa kumba ndiyo inoda.
(Kana urikushandisa zvikurukuru kutarisa Facebook, tarisa YouTube mavhidhiyo, tsvaga mapeji uye udzidze mapikicha, inoda.)
Izvozvo ndezvechokwadi kune kadhi yako terevhizheni. Your subscription Netflix. IPhone yako. Tsvudzi rako dye. Izvi zvose zvinoda, zvisingadi. Kana ikasvika pauri, iwe unogona kupona kunze kwezvinhu izvi.
Havana kudikanwa kurarama, sekurwadziwa sezvazvingave kuri kurasikirwa navo.
Muchinjikwa-Chikamu Chinodiwa uye Wants
Zvechokwadi, zvinoda uye zvinoda hazvikwanisi zvakakwana muzvikamu zviduku. Icho chiri nyore kwazvo, somuenzaniso, kutaura kuti kushandiswa kwemari yako yezvokudya ndiro chido .
Yese bhadharo yako yekutengesa ndeyekubatanidzwa kwezvitsva nezvido. Chingwa, mukaka, mazai, uye michero yakazara nemiriwo ndiyo inoda.
Chips uye cookies (ahem, Cookie Monster) ndezvokuda. Chibereko chemuchero inoshaiwa, kunyanya kana iri yakasiyana-siyana. Iko $ 6-per-pound kukora nyama ndeyekushaiwa.
Saizvozvowo, chingwa chikuru chezviyo zvechingwa chingava chidikanwi, asi premium 12-zviyo zveuchi huchi-inokonzera chingwa inoshaiwa. Misi ndicho chido, asi mukaka wehuga unoda. Unoona here pandinoenda neichi?
Chii Chandinogona Kushandisa Muupenyu Hwangu?
Gwaro re50/30/20 rinoti 50 muzana yemutero mushure mekubhadhara iwe inofanira kushandiswa pa "zvinodikanwa," 30 muzana inofanira kuenda kune "anoda," uye 20 muzana inofanirwa kuenda kugadziro uye kuderedzwa kwematokari .
Izvozvo zvinoreva kuti hapana chakaipa kuburikidza nokutenga chingwa chinonaka uye mukaka kana kubhadhara kuNetflix. Iro 50-30-20 hutongi hwemari hwemagunwe hunoita kuti iwe upedze makumi matatu kubva muzana yemari yako yokutora pamba pazvinhu zvaunoda.
Chinokosha ndechokuparadzanisa zvaunoda kubva pane zvaunoda kuitira kuti iwe uwedzere kuziva kuti uri kushandisa sei mari .
Kusiyanisa "anoda" kubva "zvinodiwa" kuchakubatsira kuona kuti simba rako uye simba raunenge uri pamusoro pebhajari yako. Kana uri kusarudza kushandisa mari pane zvaunoda, unogona kusarudza nyore nyore kutenga zvinhu izvozvo, uye udzorerazve mari yako kune imwe nzvimbo.
Mushure mezvose, kubhadharira, pamusana payo, hausi pamusoro pekuwanda kwenhamba. Kubhadhara mari ndiyo unyanzvi hwokuenzanisa mari yako nemari yako.