50-20-30 սկզբունքը գումար խնայելու ամենաճիշտ միջոցն է
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Հաճախ մենք փորձում ենք գումար հավաքել՝ ինչ-որ բան գնելու կամ ուղղակի ծայրահեղ դեպքերի համար, բայց միշտ չէ, որ մեզ մոտ ստացվում է բավարար գումար խնայել: Ձեզ ենք ներկայացնում մի մեթոդ, որով դուք կարող եք թե՛ խնայել, և թե՛ ծախսել: Այն կոչվում է 50-20-30-ի օրենք:
Ըստ դրա ձեր ամենամսյա եկամտի 50%-ը ծախսեք առաջին անհրաժեշտության իրերի վրա, ինչպես օրինակ՝ սնունդ, կենցաղային կարևոր իրեր, կոմունալային վճարումները, վարձը, և այլն:
Ձեր գումարի 20%-պետք է դնեք մի կողմ՝ խնայողություններ ունենալու նպատակով: Իսկ մնացած 30%-ը ծախսեք այն ամենի վրա, ինչը ցանկանում եք:
Փորձեք ինչքան հնարավոր է ճշգրտորեն հետևել այս խորհրդին և վստահ եղեք՝ դուք շատ ավելի արդյունավետ կտնօրինեք ձեր գումարը:
Նյութը հրապարակման պատրաստեց Past.am-ը։
Ucom Sales and Service Center at 20/52 Erebuni Reopens After Renovation
Unibank Joins the Armenian Solar Energy Association
The Widely Discussed Dvin Crown Project. A New Visibility Platform for Brands Has Emerged in the Heart of Yerevan
Ameriabank named Most Innovative Digital Bank in Armenia, alongside 9 Global Finance Digital Banking Awards
Unibank and Picsart Academy Host Kids Day for Children
Unibank Issues AMD and USD Bonds with Annual Coupon Rates of 10.3% and 6%
Artur Hovhannisyan and the Ambassador of Bulgaria to Armenia discussed a number of programs of mutual interest to Armenia and Bulgaria
A new and fantastic story was born in the heart of Yerevan—the spirit of the old city at Hayasa Hotel Old Yerevan
Converse Bank is Lead Sponsor of the BACEE International Banking Conference
Ralph Yirikian on the Cost of Digital Transformation at the 13th Regional HR Conference
You Can Now Pay with Idram on Glovo: The Long-Awaited Partnership Is Now a Reality
Rate.Trading: Currency Exchange on a New Digital Platform
Idram's "City of Good Deeds": From Teamwork to Real Charitable Projects
Ucom and FAST Bring Together Artificial Intelligence and Green Innovation
From Car Selection to Purchase – All in One Place: Ameriabank to Present its Myar.am Platform and Special Offers at Armenian Auto Show
IDBank and the “Dekavva Fund” Stand with People from Artsakh
Ucom Supports AI-Powered Camera Installation for Nature Conservation
Dmitry Ishkhanov Opens the New Steinway’s Concert Life in Pardubice 
Ucom Fellowship Participants Meet Ralph Yirikian at Ucom
Unibank Becomes Title Sponsor of Alashkert Football Club
Sergey Smbatyan’s Music for Future Foundation and the Lang Lang International Music Foundation Invite Young Pianists to Apply for the Prestigious Lang Lang Young Scholars Program
Unibank Call Center Now Available 24/7 on Weekdays
Ralph Yirikian Discusses the Challenges of Modern Leadership with Leadership School Participants
Unibank Becomes Lead Sponsor of AGBU’s Global Run in Support of Camp Nairi
Unibank’s Renamed “Tumanyan” Branch Opens at a New Location
Ucom Continues Large-Scale Network Modernization, Expanding 5G Coverage and Enhancing Connectivity
EBRD’s AMD-denominated bonds listed on AMX; Converse Bank acted as underwriter
Become a Unibank shareholder and acquire perpetual bonds with a 13.25% yield
The Unprecedented Educational Summer of the 'Armenian Virtuosos'
All Armflix Content Is Once Again Available on Uplay
Hayk Melikyan Opens the 5th Festival of Armenian Culture in Katowice
Harutyun Harutyunyan: “The Government Has No Intention of Applying for EU Membership
and Adopted the Law to Prevent a Referendum”
Ucom Supports Coca-Cola Fest 2026 
“Orran” Students Start the New Academic Year with Support from “The Power of One Dram”
It is with deep awareness of the seriousness of this supposition as well as concern that we pose the question of the above headline
“Armenian Virtuosos” Scholarship Recipients Take the Stage at the 4th International Festival of Youth Orchestras of the World
Unibank Launches a New Promotion "U-Teenager": Grand Prize — a Summer Course at One of the Top Universities Abroad
SEROOND Begins: Armenia’s First Authored School Model Based on Whole-Child Development, Enabled by AI
"Unisport" Advances to the Main Round of the UEFA Futsal Champions League
Cybersecurity Course Graduates Take Part in Ucom’s “Junior Academy” Program
Ucom Introduces Green Tariff Plans, Turning Everyday Connectivity into Environmental Impact
Ucom Launches “Unity Back to School” Special Offer for the New School Year
Ucom’s Sales and Service Center Reopens at 7 Sayat-Nova Street in Gyumri
"Unisport" Competes in the UEFA Futsal Champions League
Aram Barseghyan Appointed CEO of Team Telecom Armenia, Hayk Yesayan to Lead Team Group
Letter of Congratulations to His Holiness Karekin II on His 75th Birthday
“Side by Side” Program for Artsakh Families in the Sevan Community: IDBank
Arega Hovsepyan is our candidate for Chair of the Committee on European Integration
The Final Round of the Junius Tournament Has Begun
Awards Ceremony for the “Top 100 Students of Armenia” Competition: Presentation of Certificates 
1
The Widely Discussed Dvin Crown Project. A New Visibility Platform for Brands Has Emerged in the Hea...
2
A new and fantastic story was born in the heart of Yerevan—the spirit of the old city at Hayasa Hote...
3
Ralph Yirikian on the Cost of Digital Transformation at the 13th Regional HR Conference
4
Ameriabank named Most Innovative Digital Bank in Armenia, alongside 9 Global Finance Digital Banking...
5
Idram's "City of Good Deeds": From Teamwork to Real Charitable Projects