Five Easy Ways to Save Money
Pul tejashning beshta oson yo‘li
Sarlavha va pastdagi so‘zlarga qarang. Matn nima haqida bo‘lishi mumkin? Bir daqiqa o‘ylab ko‘ring — bu miyani o‘qishga tayyorlaydi.
Kundalik hayotda pul tejash bo‘yicha oddiy maslahatlar.
Kalit so‘zlar
Bu so‘zlar matnda uchraydi va matnda ajratib ko‘rsatiladi. Bosing — talaffuzini eshitasiz.
⏱ O‘qish boshlanganda vaqt o‘lchanadi — oxirida tezligingizni ko‘rasiz.
👆 Istalgan so‘zni bosing — tarjimasi yoki lug‘atga havola chiqadi.
Do you often get to the end of the month with no money left? You are not alone. Many people find it hard to save money, especially young people who have just started work. But saving doesn’t have to be difficult. Here are five simple ideas that can help you keep more money in your pocket.
Siz ko‘pincha oy oxiriga pulsiz yetib kelasizmi? Siz yolg‘iz emassiz. Ko‘p odamlar uchun pul tejash qiyin, ayniqsa endigina ishlay boshlagan yoshlar uchun. Lekin tejash qiyin bo‘lishi shart emas. Mana cho‘ntagingizda ko‘proq pul saqlashga yordam beradigan beshta oddiy g‘oya.
First, write down everything you spend for one month. Every coffee, every taxi, every snack. Most people are very surprised when they see the list. Small things, like a coffee every morning, can cost a lot of money in a month. When you know where your money goes, it is much easier to make changes.
Birinchidan, bir oy davomida sarflagan har bir narsangizni yozib boring. Har bir qahva, har bir taksi, har bir yengil tamaddi. Ko‘pchilik ro‘yxatni ko‘rganda juda hayron qoladi. Har kuni ertalab bitta qahva kabi kichik narsalar bir oyda katta pulga tushishi mumkin. Pulingiz qayerga ketayotganini bilsangiz, o‘zgarish qilish ancha oson bo‘ladi.
Second, save first, spend later. On the day you get your salary, put some money, for example ten percent, into a savings account. Don’t wait until the end of the month to see what is left, because usually nothing is left! Some banks can move the money for you automatically, so you don’t even have to think about it.
Ikkinchidan, avval tejang, keyin sarflang. Maosh olgan kuningiz pulning bir qismini, masalan, o‘n foizini jamg‘arma hisobiga qo‘ying. Nima qolganini ko‘rish uchun oy oxirini kutmang, chunki odatda hech narsa qolmaydi! Ba’zi banklar pulni siz uchun avtomatik ravishda o‘tkazishi mumkin, shunda bu haqda o‘ylashingiz ham shart emas.
Third, cook at home. Eating in cafes and ordering food online is easy, but it is expensive. If you cook at home, you can save a lot of money and eat healthier food too. Try cooking a big meal on Sunday and taking it to work for lunch on Monday and Tuesday.
Uchinchidan, uyda ovqat pishiring. Kafelarda ovqatlanish va onlayn ovqat buyurtma qilish oson, lekin qimmat. Agar uyda ovqat pishirsangiz, ko‘p pul tejaysiz va sog‘lomroq ovqatlanasiz. Yakshanba kuni ko‘p ovqat pishirib, dushanba va seshanba kunlari ishga tushlik uchun olib borib ko‘ring.
Fourth, wait before you buy. When you see something you want in a shop or online, don’t buy it immediately. Wait for two or three days. Often, you will find that you don’t really need it. This simple rule can stop you from buying things that you never use.
To‘rtinchidan, sotib olishdan oldin kuting. Do‘konda yoki internetda xohlagan narsangizni ko‘rsangiz, uni darhol sotib olmang. Ikki-uch kun kuting. Ko‘pincha unga aslida muhtoj emasligingizni anglaysiz. Bu oddiy qoida sizni hech qachon ishlatmaydigan narsalarni sotib olishdan to‘xtatishi mumkin.
Finally, have a goal. It is easier to save when you know why you are saving. Maybe you want to buy a car, travel to another country or start your own business. Write your goal on a piece of paper and put it on your fridge. Every time you see it, you will remember why saving is important. Good luck!
Va nihoyat, maqsadingiz bo‘lsin. Nima uchun tejayotganingizni bilsangiz, tejash osonroq bo‘ladi. Balki siz mashina sotib olmoqchi, boshqa mamlakatga sayohat qilmoqchi yoki o‘z biznesingizni boshlamoqchidirsiz. Maqsadingizni qog‘ozga yozib, muzlatgichingizga yopishtiring. Uni har safar ko‘rganingizda, tejash nega muhimligini eslaysiz. Omad!
Tushundingizmi?
Javob topa olmasangiz, «O‘qish» bosqichiga qaytib, matnga qarang — bu ham mashq.
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Asosiy g‘oya
1 What is the main aim of the article?
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2 Why should you write down everything you spend?
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3 When should you put money into a savings account?
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4 What does the writer suggest doing before buying something?
True / False / Not Given
True — matnda aynan shunday deyilgan. False — matn aksini aytadi. Not Given — matnda bu haqda ma’lumot yo‘q.
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1 The writer saved enough money to buy a car.
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2 Home-cooked food can be healthier.
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3 The writer says you should buy things immediately when they are on sale.
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4 Many young workers find it hard to save.
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5 Most banks charge money for savings accounts.
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6 The writer says you should save what is left at the end of the month.
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7 Ten percent is the best amount for everyone to save.
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8 Cooking at home is more expensive than eating in cafes.
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9 The writer suggests putting your goal on the fridge.
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10 Small daily costs can become a lot of money in a month.
So‘zni ma’nosi bilan juftlang
Chapdan so‘zni, o‘ngdan uning ma’nosini tanlang. Hammasi juftlansa, natija chiqadi.
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