Vanhu vazhinji vanofunga nezvekuvharwa kwekuzivikanwa sechiitiko chinoitika chete apo mutadzi anowana ruzivo rwemunhu oga, uye anotora chikamu chekutarisa kana kuvhura nhoroondo itsva pasi pezita idzva. Ichokwadi cheicho ndechekuti kubatwa kwekuzivikanwa kunowanzoitika apo mbavha inowana ruzivo rwemashoko kubva kumapepa emapepa kana foni. Izvi ndezvizvi nzira iyo mhombwe dzinogona kuwana zita rako, Social Security nhamba kana kuti kero, uye ozarura kambani itsva kana kutora imwe yakavapo.
Apo mukuru wepamusoro- chekare mutengesi ari kukanganisa databases uye achibira mamiriyoni ezvinyorwa gore roga roga, pane mumwe munhu ari mumigwagwa achishandisa nzira yepamusoro-tech yekubata mazita. Ava mbavha vanogara pedyo newe, vari munharaunda yako, uye vanoba mail yako vachitarisira kuti vanogona kuwana ruzivo runogona kushandiswa kukuba unhu hwako.
Chii chavanogona kuwana kubva kumachesi angu?
Kune marudzi akawanda emakero ayo mavhavha anozivikanwa anotarisa:
- Bills
- Bank statements
- Zvinyorwa zvemari
- Checks
- Chikwereti chekadhipa
- Mashoko anobatsira
- Mashoko ekuwana
- Mashoko emitero
- Mapepa emabasa
Aya mabhuku ane ruzivo rwakakwana kune mumwe wevanhu vakaipa kutora account yakange iripo kana kutozarura nhoroondo itsva nezita rako uye ruzivo. Kunyange zvazvo imwe dhesi isingabvumirwi kubva mumashoko aya nemaune, pane kakawanda huripo zvakakwana zvekuti vanogona kuzadza zvikamu zvisipo.
Ndeupi muzivivha wevhavha anogona kuwana kubva kune dumpster diving
Paunofunga pamusoro pechiito che dumpster diving, zvichida iwe unofungidzira munhu ari kutsvaga kudya kana chimwe chinhu chinogona kushandiswa zvakare kana kushandiswa zvakare.
Zvisinei, vasina misha uye vane nzara havasi ivo chete vanhu vanopinda mune dumpsters; mhombwe vanoitawo, sezvo vachiziva kuti tsvina inogona kuva nehupfumi.
Funga nezvemashoko aunowana zuva rimwe nerimwe. Unoiteiko nemashoko ekubhangi aya uye kupa kadhi rechikwereti? Iwe unovaisa ivo kuburikidza ne shredder? Kuvakanda mumarara?
Unoziva here bhengi rako rinoita nemafomu kubva kuchecheche checks kana kuwedzerwa? Ivo vanochengetedzwa zvakachengeteka here? Yeuka, ruzivo ruzivo rweAIDS rungagona kuwana kubva kubhokisi rako remasuo rinowanikwawo mune dumpsters seri kwebhangi, kambani yevashandi, hofisi yechiremba uye kune imwe nzvimbo.
Munguva ichangopfuura, mumwe wandaishandira naye anenge maminitsi matatu chete mumarara pakatarisana nebhangi kuti aone zvaanogona kuwana. Mune maminitsi matatu, akawana marekodhi ane nhamba dzekambani, mazita, Social Security nhamba , chengeta zvikopiko ne nhamba dzeakaunti nezvimwe. Mumaminitsi matatu mashomanana, akanga ane ruzivo rwakakwana pamusoro pevatengi ava kuti vawane zvinyorwa zvavo uye vanoba mazita avo. Izvi, zvechokwadi, zvaingova zvekutsvakurudza chete, uye akafukidzira zvaakawana, asi zvinotyisa kufunga pamusoro pezvinowanikwa kune mbavha uyo anoziva kupi kuti atarise.
Zvidzivirire kubva pakurwisana nebhokisi remakadhi
Iwe unogona kutora matanho ekuzvidzivirira iwe uye ruzivo rwako kubva kumakadhi ebhokisi remafiri:
- Rega kuwana zvinyorwa zvepapape. Zvinyorwa zvemakombiyuta kune email ndezvokuchengetedza uye zvepamusoro-soro.
- Tsvaga bhokisi re mail rekuvhara. Mutakuri haafaniri kukosha nokuti kune slot yekuisa mail.
- Funga nezvehofisi yepositi yebhokisi yemashoko anotinhira, akadai semabhuku ebhangi.
- Kana iwe usingawani mhesi kwemazuva mashomanene, uzviudze iyo post office sezvo mumwe munhu angave ari kuba.
- Ngwarira mazuva ekutengeswa pamishumo uye zvinyorwa. Nenzira iyi, iwe unoziva kana vakaendeswa pane imwe nguva kana kutorwa uye kudzorerwa nembavha.
- Kumbira kubviswa kweruzivo rwako nemazita akachengetedzwa neA Direct Marketing Association. Bvisa zvimwe zvose zvido zvisingakoshi kuti udzikise ngozi yako.
- Sarudza kusarudza kubva kune chero ipi zvayo yakagamuchirwa kadhi rechikwereti.
Zvidzivirire kubva kune dumpster diving
Usarega chero chinhu chipi zvacho chine mashoko evanhu. Paunenge uchisarudza kana usingadi kukanda kana kuputsa chinhu, funga izvi:
- Ndiro zita rako rakazara pairi here?
- Ndiyo kero yako pairi here?
- Ndiyo nhamba yako ye Social Security pane iyo here?
- Ndiko zuva rako rekuberekwa pairi here?
- Ino ine nhamba yenyaya here?
- Iine ine password yakanyorwa here?
- Icho chirevo chemari here?
- Iine chero humwe hwehudziro hwepamusoro pamusoro pemumwe wemhuri yangu here?
Kana iwe ukakwanisa kupindura 'hongu' kune chero ipi zvayo mibvunzo iri pamusoro apa, iwe unofanirwa kuve nechokwadi chekupfekedza ne shredder ne crosscut musati warasa. Kunyora mapepa kana kucheka kadhi muhafu hakunodziviriri mashoko kubva kune mbavha. Chengetedza crosscut shredder apo iwe uchengetedza tsamba yako kuti uve nechokwadi chekufambisa uye unobatsira kuita ichi chiitiro. Pakarepo unotanga kupisa chero chinhu chine ruzivo rwemunhu iwe waunoda kubvisa.
Iwe unofanirwawo kuyeuka kuti kunyange zvazvo iwe ungave wakangwarira, zvinhu zvinokanganisa zvinhu zvine mashoko evanhu pamba, kwete vanhu vose. Mari yako yekwereti, banking kana accountant ingasadaro. Apa ndipo paungada kufunga nezvekudzivirira kubatwa.
Iwe zvechokwadi haugoni kuva neurotic zvakare pamusoro pekukanda magwaro akaoma iwe ungave nawo. Pashure pezvose, vamwe vanhu vanoita basa rekuita 'dumpster dive,' uye vachichera mumarara vachitsvaga zvinhu zvakadai sekukweretesa kadhi rechikwereti, nhoroondo yebhangi, mabhuku ekubhadhara mari, uye mabhizimisi ezvehutano . Vanoshandisa ruzivo urwu kuti vaite unyengeri uye vanogadzira zvinyorwa zvitsva muzita remunhu wacho. Uyewo, chengetedza mupfungwa kuti chinhu chipi nechipi chine chikwangwani chako pane zvakakwana kuwana chero kupi zvako kune dumpster, sezvo inogona kugadziriswa nyore nyore.
Diving for Dollars
- Zvinoshamisa kuti dumpster diving inobvumirwa nemutemo kana iri munzvimbo yavose. Izvi zvinogona kusanganisira mabheji makuru panzvimbo yedzimba dzakawanda.
- Avo avo vanoridza dope havaiti nguva dzose vanhu vasina musha vari kutsvaka zvokudya zvakarasikirwa. Pane kudaro, vanogona kuzviona sevadzidzisi vedzimba dzembavha. Kana vakachenjera, zvisinei, ivo vachapfekedza semunhu asina hanya kuti vanyengere vanocherechedza kuti vafunge kuti vari kutarisa zvimedu zvezvokudya.
- Kurasika kwako ipfuma kune wechiri mbavha. Funga nezvemashoko ose ari pamapepa mapepa aunokanda kunze - zuva rimwe nerimwe uye vhiki nevhiki - ruzivo rwakadai semazita evana vako kunzvimbo yako yaunofarira. Izvo zviri zvidimbu zvidimbu zvitsva kumunhu ari mbavha.
- Kunyange iyo envelope isina chinhu ine kero yekudzoka pairi inogona kutaura chairo chevhavha ruzivo pamusoro pako.
Shredding
- Purchase shredder. Kune marudzi akasiyana-siyana pamusika, uye anouya mune simba rakasiyana.
- Usatenga imwe inongotora mapepa acho muzvipfeko. Izvi zvinogona kugadziriswa nyore nyore. A "micro-cut" shredder ndiyo nzira yakanakisisa.
- Ziva kuti kune vakomana kunze uko vanozotora nguva yekuisa magwaro akadzikidzwa zvakare pamwe zvakare.
Burning
- Mushure mokupfekedza magwaro, kana muchida kuchengeteka kwakanyanya, isai zvidimbu mubhodhibhokisi bhokisi rinoramba richizadzwa.
- Apo bhokisi iri rakazadza, iva nechokwadi chekupisa.
- Rangarira mupfungwa yakawanda yemagwaro asingashandisi zvakanaka, saka iva nechokwadi chokuti iwe unoparadzira pepa racho zvakanyanya.
Kuora kwako hakusi yako pfuma kana iwe waiisa pachigadziro
Funga pamusoro peizvi kwechipiri: kana mumwe munhu akatora chidimbu chako, iwe ungava neharo here? Kana iwe uchiti hungu, iwe uri kukanda zvinhu zvakawanda nemashoko ega ega. Sezvo ini ndisingaregi chero chinhu chingava chinokosha kune ani zvake, zvakadai sezvinhu nemashoko angu ega, handina hanya kana vachiita.
Heino nzira yekugadzirisa zvinhu zvako zvakagadzirwa nyore nyore:
- Shredding Primary Documents : Zvose zvinouya mumakadhi ane zita rangu pairi zvinopinda mumurwi we shred kunze kwokuti ndinouda. Ndakaparadza uye kuparadza CD nedheta, mabhodhoro emishonga, mabhuku emitero yekare, mabhuku ebhangi, zvinyorwa zvekutsvaga mari, paystubs uye chekuregererwa cheki.
- Shredding Secondary Documents: Aya ndiwo magwaro akadai semisitori yeATM, mabhizimusi ekushandira, zvinyorwa zvekadhi rechikwereti kana inhuwarisi. Ramba uchiyeuka kuti unofanira kuichengeta kwemakore maviri kunze kwekuti iwe unogona kuvanyorera paIndaneti. Kana iwe usingadi, ivaye.
- Devices: Usakanganwa kuparadza kana kuputsa zvigadzirwa, zvakare. Izvi zvinosanganisira makadhi eDD, mafambisi akaoma, SIM makadhi, foni dzefoni uye zvigunha zviduku. Paunodzorera kana kuchinja maitiro ako ekushanda, ichabvisa huzhinji hwemashoko, asi kune nguva dzose nzira dzekutora. Saka, funga kutora sledgehammer kumakombiyuta ako ekare kana iwe usingadi mashoko kunze uko.
- Kuderedza Pepa Rako: Imwe nzira yekuderedza zvinhu zvose zvinoda kubhadhara ndeyokurega kushandisa mapepa akawanda. Panguva ino, inenge chero nhoroondo chero ipi zvayo, kusanganisira zvishandiso, mabhangi, mafoni efoni uye makadhi emakwereti, e-zvinyorwa zviripo. Nezvi, mwedzi woga woga uchanowana email ichikuzivisa iwe chirevo chitsva chaunogona kuona kana kukanda. Ingoyeuka, usanamatira chero hukama huri mu email. Zvakanakisisa kuti upinde mairi.
- Bata Shred-a-Thon: Mabhanji mazhinji anopa shred-a-thon, apo imwe yeiyo yakakura zvikuru uye iri mumotokari inokonzera mabhenji inoratidzira mubhangi rekupaka. Uya nemabhokisi ako ose emapepa uye uone kuti vanyatsochengetedzwa musati maona.
- Kuzvipisa: Zvichienderana nezvinhu zvakadai semitemo yemunharaunda uye uwandu hwezvinhu zvaunazvo, ungada kupisa zvinyorwa zvako kana nguva yaro yekupisa mashizha kana iwe uri kuita moto wako unotevera.