Pamene dziko likuyambanso kutseguka, mutha kumva kuti mukukakamizidwa kuti mubwerere ku "umunthu wanu wakale". 

Akatswiri azaumoyo ndi zaumoyo amachenjeza kuti kusatsimikizika ndi kusungulumwa komwe kumayambitsidwa ndi mliri kumatha kukhala nafe kwanthawi yayitali. Kukhazikika kwathu kumalumikizidwa ndi ndalama, ndipo nkhawa yazachuma iyenera kukhala nkhawa yayikulu kwa ambiri a ife.

Kaya ndikulipira kwa tambala kapena tinthu tating'onoting'ono kwambiri, pali njira zosinthira ndikuthandizira kuti nkhawa izi zisakhale m'malingaliro mwanu. 

Ngati Mukungomva Kuti Ndinu Wolakwa

Mwina ndinu m'modzi mwa ma 20% aku Brits omwe adasunga zochulukirapo kuposa nthawi zonse kutseka. Mtengo wapaulendo, wodyera kunja, ndi tchuthi utha kupanga dzira lachisa mwadzidzidzi. 

Ndizotheka kuti mudadabwitsidwa ndikusunga kwanu ndipo mukufuna kupitiliza chizolowezichi, kapena mwina mudagwiritsa ntchito ufulu wachumawu ngati njira yothanirana ndi mavuto. Pizza mmodzi kwambiri, kapena dongosolo la zovala la "pamene tonse tingatulukenso" ... tonse tinakhalako.

Choyamba, ndibwino kuvomereza kuti ndalama zina zibwereranso, kaya mumakonda kapena ayi. 

Chachiwiri, muyenera kulandira chithandizo! Tidakali (mliri) mliri, ndipo sizinthu zonse zomwe zimafunikira kuti tizichitidwa nthawi ndi nthawi. 

Izi zati, sikulakwa konse kusiya zizolowezi zopanda pake mu bud. Nawa malingaliro kuti muunikenso momwe mumagwiritsira ntchito ndalama, kapena kuti muchepetse kulakwa kotuluka: 

Nenani ayi ku FOMO

Izi ndizovuta: miyezi 18 yapitayi yatiphunzitsa zambiri kuposa chilichonse kuti nthawi ndiyofunika, ndipo zisangalalo zazing'ono ndizomwe zimapanga miyoyo yathu. 

Kwa ambiri, kuwononga ndalama pazomwe akumana nazo kumakhala kofunika kwambiri kuposa momwe zimakhalira zisanachitike: kuti sitima yopita kukawona wachibale ndiyofunika mwadzidzidzi. Konsatiyo chifukwa? Mwina sizingachitike kachiwiri.

Kalendala ikayamba kudzaza, zingakhale zovuta kukana mapulani. Mungamve kukhala olakwa chifukwa chokana anzanu; izi zili choncho, mwakhala kunyumba kwa chaka chimodzi. Koma zochitika zomwe zachedwa - maphwando okumbukira tsiku lobadwa, maukwati, zakumwa ndi abwenzi - zimatha kusiya inu ndi akaunti yanu yakubanki mukutopa.

Ndikofunika kukhazikitsa kusiyana pakati pazinthu zomwe zimatsogoleredwa ndi mayesero kapena kukakamizidwa, ndipo zomwe zingakuthandizeni inu kapena wokondedwa wanu. Kodi kuopa kuphonya kudzatha pofika nthawi yogona? Kapena mudzanong'oneza bondo posapita? 

Tonsefe tili ndi “miphika” yosiyana yakukhala ndi nthawi, mphamvu, bajeti, ndi thanzi labwino - nthawi zina kumakhala koyenera kutenga pang'ono mwa iwo pamwambo wapadera kwambiri. 

Pezani ndalama zambiri ndi zochitika

Izi zimatitsogolera ku nsonga yotsatira. Nthawi zina simukufuna kukana mapulani.

Ngakhale ambiri aife tikufunitsitsa kuti titulukenso, kutseka sikuyenera kukhala nthawi yotayika. Zachidziwikire, palibe amene akufuna kumva mawu oti "Zoom msonkhano", koma pali zizolowezi zina zopanga zomwe tidapanga chaka chino zomwe titha kuchita m'moyo watsogolo.

Kufunika koti "tichite china chake" kumatha kukhala ndi zoyambitsa komanso zolimbikitsira zosiyanasiyana. Dziwani kuti izi ndi chiyani, ndipo muzigwiritsa ntchito mwayi wanu: 

• Kodi muyenera kukhala pagulu? Lowani zida zanu zabwino ndikuyitanitsa abwenzi kuti adzagone nawo usiku. Bweretsani malo anu omwera; gwirani "kulawa kwa vinyo" pomwe aliyense amabweretsa botolo; kapena dzenje lakutengereni ndikukongoletsa pizza yanu. 

• Kodi mukufuna kutuluka panja? Mwayi kuti mwatopetsa pakiyo panthawi yotseka, koma kuyisintha kungapangitse kusiyana konse. Sakani tsamba lanu lamakhonsolo kwanuko ndi mapulogalamu ngati Koma pamaulendo oyandikira omwe sadziwika kwenikweni - komanso aulere. 

Ngati simukuwopa kuti mudzawonongeke ndipo mukufuna kuthandiza mdera lanu, magulu a Facebook am'deralo nthawi zambiri amalengeza zochitika zodzipereka zodzipereka monga zonyamula zinyalala ndi zoyeserera. 

• Kodi mukufuna chatsopano? The Zochitika pa Facebook ndi njira ina yothetsera zizolowezi zodula ndikupeza njira zochepa zosangalalira. 

Mutha kupeza zochitika zachifundo kapena zokambirana, komanso magawo amisili, makalasi ovina, masewera ausiku, kapena magulu ochezera kapena othandizira anthu amalingaliro ofanana. Pamene zochitikazo ndi zotchipa kapena zaulere, simudzakhala ndi mlandu wambiri wodziwongolera mu china chatsopano.

Ndiyeno pali mbali yodabwitsa komanso yosangalatsa. Ndani akudziwa - geocaching kapena ironing kwambiri itha kukhala ya inu. 

• Kodi mumafuna mankhwala? Palibe vuto! Nthawi zina palibe chomwe chimafanizira ulendo "woyenera". 

Khalani owona mtima kwa anzanu ndi abale anu; mwayi ambiri a iwo adzakhala m'bwatolo lomwelo. Anzanu enieni amakupatsani mwayi woti mugwiritse ntchito bajeti yanu, ndipo mutha kuphatikizana kuti mugule zinthu limodzi. Kukambirana momasuka kudzathandiza anthu kumvetsetsa chifukwa chomwe mungagwiritsire ntchito ndalama mosiyana ndikukulepheretsani kumva kuti mukukana kapena kubisala. 

Onani ngati mungasunge ndalama pazinthu zomwe simukufuna kusiya. Sitima yapamtunda ali ndimadutsa osiyanasiyana osungira ndalama zonyamula. Anthu ambiri amadziwa za Railway ya Achinyamata (amasunga ⅓ pamitengo yonse njanji) koma pali ena omwe mungapindule nawo. 

Awiri Pamodzi amapereka kwa anthu awiri omwe adatchulidwa akuyenda limodzi. Banja & Anzanu amasunga ⅓ kwa akulu akulu anayi omwe akuyenda limodzi, ndipo kuchotsera kochititsa chidwi kwa 4% kwa ana ochepera zaka 60 limodzi. 

Zimadutsa ngati Kudalirana kwa Dziko ndi Cholowa cha Chingerezi zitha kuwoneka zodula poyamba, koma adzadzilipira okha maulendo angapo. Amapereka chaka chakuchezera kopanda malire akagula ndipo achinyamata, mabanja, ndi mabanja atha kuchotsera zina. Ngakhale matauni omangidwa kwambiri amakhala ndi malo amtendere modabwitsa - ndipo kulowa m'chilengedwe ndichimodzi mwazinthu zabwino kwambiri pamalingaliro amantha. 

Kuphatikiza apo, umembala wa English Heritage ungagulidwe ndimalo a Tesco Clubcard pa 3x mtengo wawo woyamba.

Letsani, siyani kutsatira, tsatirani

Kusintha kwakung'ono ndiye kiyi mukawona kuti ndalama zomwe mumagwiritsa ntchito zikuwonjezeka. Kugula zinthu pa intaneti ndi mdani wa ambirife pankhani yosunga ndalama pambuyo potsekedwa - zonse zomwe zimayesa kuchita ndizo apo pomwe.

Apa ndipomwe muyenera kukhala wankhanza: osatsatira zopangidwa pamisewu yayikulu pa Instagram. Chotsani ku maimelo otsatsa malonda ndi zidziwitso. Tsitsani zotsatsa zotsatsa. Chotsani ma cookie omwe amasunga tsatanetsatane wamakhadi anu ndikulolani kuti mugule kamodzi. Simungathe kuwononga ndalama popanda mayesero okwezeka m'manja mwanu nthawi zonse. 

Nthawi zina, chisangalalo chogwiritsa ntchito ndalama chimangokhala chosangalatsa monga kugula komweko. Ngati muli ndi china m'galimoto yanu ndipo mukukayikira kuti simukuchifuna, yesetsani kusamutsa mtengo wake wa chinthucho muakaunti yosungira. Mudzapeza kuthamanga pang'ono kwa dopamine kuchokera "kuwononga".

Izi zitha kugwiritsidwa ntchito pazogulira zazing'ono, zopanda chidwi monga zokhwasula-khwasula ndi ma khofi, nazonso. Kumapeto kwa mwezi, onani kuchuluka kwa zomwe mwachita, ndikuwunika kuti mwaphophonya kangati. 

Ngati Zinthu Zili Povuta

Pomwe aliyense ali ndi mlandu wotenga kapena awiri, ndikofunikira kuti tisachepetse mavuto azachuma omwe enafe tikukumana nawo. 

Malinga ndi Statista, Ntchito 11.6 miliyoni zidachotsedwa ntchito pa miyezi 18 yapitayi. Omwe amakhala mgulu la maola ochepa akhala akuwalipira ndalama zochepa. 

Mwinanso mwina mudalimbana ndi ulova, kudzipangira ntchito, mavuto azaumoyo, kudzipereka kusamalira, kuchoka chifukwa chachisoni kapena matenda amisala, mtengo wamaphunziro, kapena phindu lanu. 

Izi zakhala zowononga komanso zosapeweka kwathunthu, ndipo zitha kuchititsa nkhawa zachuma pamlingo wokulirapo. 

Sakanizani bajeti

Uyu ndi ntchito, koma yofunikira. Pezani tsamba lamanja ndikulemba zonse zomwe mumagwiritsa ntchito pamwezi. Yendetsani zomwe munalemba ku banki - osangoganizira. Magawo ena abwino oyambira ndi awa:

• Nyumba (lendi, ngongole yanyumba, msonkho wa khonsolo, inshuwaransi, zofunikira ndi ngongole zapaintaneti);
• Galimoto kapena zoyendera pagulu (pagalimoto izi zitha kuphatikizira petulo, inshuwaransi, msonkho, kapena zolipira pamwezi ngati muli ndi dongosolo lolipira);
• Zogulitsa;
• Kusamalira ana, mtengo wabanja, kapena maphunziro;
• Mgwirizano wamafoni;
• Kulembetsa (Amazon, Netflix, Spotify, ndi zina);
• Kulipira ngongole kapena "kubweza pambuyo pake", ngati kuli kotheka;
• Zabwino (maulendo, kugula, chakudya ndi zakumwa).

Kuwona manambala kungakhale kovuta, koma mudzakhala ndi lingaliro labwino la kukhala okhwima komanso okoma mtima bwanji m'malo osafunikira. Mwina £ 10 yakulembetsa pa TV itha kupita kwina; mwina mukuwononga zochuluka pa zoyendera pamene tikusunthanso. 

Patulani ndalama zanu. Ngati muli ndi ngongole zambiri, yang'anani komwe mukupeza chidwi chambiri ndikuyang'ana kubweza poyamba. 

Bwezerani ndalama

Makampani ena amapereka kuchotsera pamtengo watsiku ndi tsiku, monga inshuwaransi yagalimoto pomwe anthu amayenda pang'ono. Mutha kuwona kuti mukuyenera kubwezeredwa ndalama ngati mwataya ndalama pamaulendo onyamula chifukwa chaulendo wocheperako. 

Kupeza akaunti yanu yapaintaneti pamasamba awa kapena kuyimbira foni yolumikizana nawo nthawi zambiri ndiyo njira yabwino kwambiri yochitira izi, chifukwa mwina sangakuthamangitseni za izi. 

Muthanso kuchita kubweza msonkho ngati mwakakamizidwa kugwira ntchito kunyumba chifukwa chiletso - ngakhale tsiku limodzi lokha. 

Onetsetsani kuti mukudziwa zachinyengo, komabe. Zachisoni, ino ndi nthawi yabwino kuti achinyengo agwiritse ntchito mwayi. Upangiri wa Nzika ili ndi zambiri pazachinyengo zomwe zimafala kwambiri chaka chatha, ndi momwe mungazionere. 

Khalani okoma mtima

Nthawi zina sipangakhale yankho lachangu ku nkhawa zanu. Zoyipa ngati izi ndi zomwe palibe m'modzi wa ife adakhalako, chifukwa chake, mosapeweka, simudzakhala ndi chiwongolero chonse pazomwe zakhala zikuyenda pambuyo poyimitsidwa poyamba. 

Apa ndipamene pamafika kulakwa. Kuchuluka kwa nthawi yogwira ntchito kuti muthe kubweza ngongole kumatha kukupatsani nthawi yocheza ndi anzanu kapena anzanu. Kusaka ntchito kosawoneka ngati kosatha kungakupangitseni kumva ngati kuti mukuchita cholakwika. Kuchokera ku mliri wapadziko lonse lapansi kuwona anzanu akuwoneka oyenera, olemera, komanso okhutira kuposa kale ... ndizabwino, koma mwina simungakhale inu.

Ndikofunikira kukumbukira kuti kufunikira kwako sikudalira kugwira ntchito kapena kugula zinthu zapamwamba. Simunganyoze mnzanu chifukwa chokhala ndi nkhawa zandalama, choncho musayese kudzichitira nokha. 

Ndinu patsogolo

Yesetsani kugawa nthawi yokwanira kuti muzingoganizira kwambiri za inu nokha. Gwiritsani ntchito nokha nthawi yabwino momwe mungakhalire ndi mnzanu - lolani chidwi chanu nthawi imeneyo, ngakhale zitakhala kwa mphindi khumi zokha. 

Chitani zonse zomwe mungathe kuti mukhale ndi chizoloŵezi cha tsiku ndi tsiku, ndipo onetsetsani kuti mwadzuka, mukudya, ndi kutuluka panja mokwanira. Zabwino ndizabwino - koma yang'anirani zakumwa zoledzeretsa ndi zomwe mumagwiritsa ntchito. Izi zitha kuwoneka zazing'ono, koma ndizofala kwambiri ngakhale kwa anthu osangalala komanso athanzi munthawi yamavuto. Ngati mukuona kuti ndizovuta kuyimitsa, lankhulani ndi munthu wodalirika kapena chimodzi mwazomwe zithandizire pansipa. 

Ngati mukuvutika

Kuda nkhawa kwachuma kumatha kukhala ndi zotsatirapo zazikulu pamoyo wathu watsiku ndi tsiku. Ngakhale ambiri a ife tili m'bwatolo lomwelo, simuyenera kumva kuti muyenera kupitiliza nawo. Mosiyana ndi kuda nkhawa konse, ili ndi chifukwa chake, zomwe zikutanthauza kuti ziyenera kuchitidwa mosiyana.

KhwereroChange ndi bungwe lothandizira lomwe limapereka upangiri waulere, walangizi kwa aliyense. Amatha kupezeka patsamba lawo, patsamba lawo lothandizira pa 0800 138 1111. 

Wothandizira Ndalama Chida Choyendetsa Ndalama ndi ntchito yothandizira payekha komwe mungaphunzire momwe mungakhalire pamwamba pa ngongole zanu panthawi ya mliriwu, ndikupeza thandizo lina. 

Ngati mukukumana ndi mavuto ndi abwana kapena ndalama zomwe muyenera kulandira, Upangiri wa Nzika zingathandize. 

Kwa ntchito yolankhula yaulere, yachinsinsi, Asamariya atha kukupatsirani zothandizira kuti mukhale ndi thanzi labwino - kapena atha kumangomvera ngati mungafune. Ndi amodzi mwamabungwe akuluakulu othandizira kudzipha ku UK. Alinso ndi pulogalamu yomwe mutha kuwunika momwe mungasangalalire, kukhazikitsa dongosolo lachitetezo, komanso kupeza zinthu zakuchita bwino ndi zochitika zokuthandizani kuthana nazo. 

Mwamwayi, nkhawa zachuma zimatha kupitilira momwe zinthu zilili, koma nthawi zonse ziyenera kuthandizidwa kuti mukhale bwino. Zomwe zili pamwambazi ndi zaulere kugwiritsa ntchito komanso kupezeka pa 24/7, koma mutha kulumikizanso ndi GP wanu ngati mukukumana ndi nkhawa nthawi zonse kapena zikukuvutani kuthana nazo. Ngati muli ku UK ndipo mukudandaula zaumoyo wanu, itanani NHS Direct pa 111.