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كيفية تنظيف المنزل وتطهيره يوميًا للوقاية من العدوى: تحضير أدوات التنظيف ، تحضير مواد التنظيف الطبيعية مثل الخل وصودا الخبز ، والمطهرات القوية والمطهرات مثل الكلور والكحول وما شابه ذلك من مواد التنظيف التي لها تأثير قوي على البكتيريا والفيروسات. – ارتداء القفازات عند استخدام المنظفات الكيماوية لمنع تلف الجلد وكذلك زجاجات الرش وأقنعة الأنف. أدوات التنظيف الشائعة هي الدلاء ، والأقمشة النظيفة والإسفنج. خطة تنظيف المنزل اليومية أولاً وقبل كل شيء: ابدأ في تنظيف جميع الأشياء التي يتم استخدامها بشكل متكرر ومنتظم ، مثل مقابض الأبواب وحوامل المصابيح والأسطح والطاولات ومقاعد الحمام والمفاتيح والأشياء الشخصية المستخدمة بشكل متكرر داخل المنزل وخارجه ، و امسحيهم بالماء النظيف. مطهر قوي مثل الكلور المخفف بالماء.
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قم بتقييم وضعك المالي
تسديد قروض أبها لقد تراكمت لديك عدة اعتمادات ، ولكن ربما تراكمت لديك أيضًا ديون شخصية (قرض من أحد أفراد أسرتك أو فواتير غير مدفوعة). أول شيء عليك فعله هو أن تكون على دراية بنفقاتك ومراجعتها نزولاً.
لماذا تفرز النفقات غير الضرورية وتعزز النفقات الأساسية؟ أن تبين للمقرضين أنك تفعل كل ما في وسعك للخروج من وضع مالي صعب.
بمجرد تحديد النفقات بوضوح ، بالإضافة إلى أي تغييرات في دخلك ، ستتمكن من تكييف مدفوعات قرضك الشهرية تسديد قروض و تحويل من بنك الي اخر من أجل تسوية ديونك بسرعة.
نقدم العديد من الحلول التي ستعتمد فعاليتها على وضعك الخاص.
الأفضل: امسح اعتماداتك بشكل أسرع
لقد نشأت أو حصلت على مكافأة كبيرة ، حتى الميراث. في هذه الحالة ، سيكون وضعك المالي قادرًا على التحسن.
اعتمادًا على الديون والائتمانات التي حصلت عليها ، لديك خياران:
– إما تسوية الديون الشخصية تسديد قروض مكة والقروض الاستهلاكية (التي يصاحبها بشكل عام معدل فائدة مرتفع ، ولكن نادرًا ما يكون تعويض السداد المبكر) ،
– أو الاستمرار في سداد أقساطك الشهرية ووضع مدخراتك على منتج يكون سعره أعلى بكثير من معدل القروض.
إذا كانت زيادة كبيرة في الراتب أو ظهور دخل ثانٍ في أسرتك ، فيمكنك أيضًا التفكير في استرداد ائتماناتك بمدفوعات شهرية أعلى ، ولكن ربما بمعدل أقل (بالنسبة للبعض على الأقل).
من خلال تقليل فترة سداد الائتمان (العقارات أو الاستهلاك أو إعادة شراء الاعتمادات) ، يمكنك أيضًا تقليل التكلفة الإجمالية. ستزيد مدفوعاتك الشهرية – تسديد قروض العسكريين جازان ما لم تقدم مساهمة جديدة كبيرة – لكنك ستسدد ديونك بسرعة أكبر.
متدهورة: اخفض أقساطك الشهرية
على العكس من ذلك ، ربما أدى حادث في الحياة إلى انخفاض أو خسارة كبيرة في الدخل. في ظل هذه الظروف ، قد يكون سداد أقساط القرض الشهرية في الوقت المحدد أمرًا معقدًا ، خاصة إذا كان هناك العديد من أقساط السداد التي يجب سدادها.
في هذه الحالة ، فكر في تجميع الائتمانات.
تسمح لك هذه العملية المصرفية تسديد قروض عرعر بدمج ديونك وائتماناتك المختلفة في قرض بديل واحد.
Требуется профессиональная закройщица (выкройки, patternmaker).
Если есть нарезчики и швеи, пожалуйста так же обращайтесь.
Знание английского языка не обязательно.
По всем вопросам пожалуйста обращайтесь: [email protected]
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