\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631 \u0647\u064a \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u062d\u0643\u0645 \u0628\u0647\u0627 \u0641\u064a \u0625\u0646\u0641\u0627\u0642\u0643.<\/strong><\/p>\r\n\r\n\r\n\r\n\u0625\u0630\u0627 \u0644\u0645 \u062a\u0643\u0646 \u0642\u062f \u0648\u0636\u0639\u062a \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0646 \u0642\u0628\u0644\u060c \u0641\u0642\u062f \u062a\u062a\u0641\u0627\u062c\u0623 \u0645\u0646 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u062a\u0646\u0641\u0642\u0647\u0627 \u0643\u0644 \u0623\u0633\u0628\u0648\u0639 (\u0623\u0648 \u062d\u062a\u0649 \u0643\u0644 \u0634\u0647\u0631) \u0639\u0644\u0649 \u0623\u0634\u064a\u0627\u0621 \u0635\u063a\u064a\u0631\u0629 – \u0645\u062b\u0644 \u0627\u0644\u0642\u0647\u0648\u0629 \u0623\u0648 \u0648\u062c\u0628\u0627\u062a \u0627\u0644\u063a\u062f\u0627\u0621 \u0623\u0648 \u0645\u062a\u062c\u0631 \u0627\u0644\u0648\u062c\u0628\u0627\u062a \u0627\u0644\u062e\u0641\u064a\u0641\u0629 \u0641\u064a \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0630\u064a \u0644\u0627 \u064a\u0639\u0631\u0641\u0647 \u0632\u0648\u062c\u0643\/\u0632\u0648\u062c\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n
\u0648\u0627\u0645\u0646\u062d \u0646\u0641\u0633\u0643 \u0628\u0639\u0636 \u0627\u0644\u0645\u0631\u0648\u0646\u0629. \u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0636\u0639\u0629 \u0623\u0634\u0647\u0631 \u0644\u062c\u0639\u0644 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u062a\u0646\u0627\u0633\u0628\u0643. \u062b\u0645 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a \u0636\u0628\u0637 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0644\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u062a\u0642\u0644\u064a\u0644 \u0625\u0646\u0641\u0627\u0642\u0643 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631.<\/p>\r\n\r\n\r\n\r\n
3. \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/h3>\r\n\r\n\r\n\r\n
\u064a\u064f\u0639\u062f \u0648\u0636\u0639 \u0647\u062f\u0641 \u0645\u0627\u0644\u064a \u0645\u062d\u062f\u062f \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0642\u064a\u0642\u0647 \u0648\u0633\u064a\u0644\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u062a\u062d\u0641\u064a\u0632 \u0646\u0641\u0633\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0627\u0644. \u0644\u0623\u0646 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u062a\u0646\u0641\u0642\u0647 \u0647\u0648 \u062f\u0648\u0644\u0627\u0631 \u0648\u0627\u062d\u062f \u0623\u0642\u0644 \u064a\u0645\u0643\u0646\u0643 \u0648\u0636\u0639\u0647 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0623\u0643\u0628\u0631 \u0627\u0644\u0630\u064a \u062a\u0631\u064a\u062f\u0647.<\/p>\r\n\r\n\r\n\r\n
\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0647\u0648 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0623\u0648 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0644\u0634\u0631\u0627\u0621 \u0633\u064a\u0627\u0631\u0629\u060c \u0623\u0648 \u0642\u0636\u0627\u0621 \u0639\u0637\u0644\u0629 \u0628\u062f\u0648\u0646 \u062f\u064a\u0648\u0646. \u0645\u0647\u0645\u0627 \u0643\u0627\u0646 \u0647\u062f\u0641\u0643\u060c \u0627\u062c\u0639\u0644\u0647 \u0645\u062d\u062f\u062f\u064b\u0627<\/em>. \u0648\u0627\u0644\u0623\u0641\u0636\u0644 \u0645\u0646 \u0630\u0644\u0643\u060c \u0636\u0639 \u062a\u0630\u0643\u064a\u0631\u064b\u0627 \u0645\u0631\u0626\u064a\u064b\u0627 \u0639\u0644\u0649 \u062b\u0644\u0627\u062c\u062a\u0643 \u0623\u0648 \u0641\u064a \u0645\u062d\u0641\u0638\u062a\u0643. \u0628\u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629\u060c \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u062a\u064f\u063a\u0631\u0649 \u0641\u064a\u0647\u0627 \u0628\u0634\u0631\u0627\u0621 \u0634\u064a\u0621 \u0645\u0627\u060c \u0639\u0644\u064a\u0643 \u0623\u0646 \u062a\u0642\u0631\u0631 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0623\u0645\u0631 \u064a\u0633\u062a\u062d\u0642 \u062a\u0623\u062e\u064a\u0631 \u0647\u062f\u0641\u0643 \u0645\u0646 \u0623\u062c\u0644\u0647 \u0623\u0645 \u0644\u0627. \u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0644\u064a\u0645 \u0648\u062a\u062d\u062f\u064a\u062f \u0623\u0648\u0644\u0648\u064a\u0627\u062a\u0643 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0641\u0639\u0627\u0644\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n4. \u062a\u062a\u0628\u0639 \u0646\u0641\u0642\u0627\u062a\u0643.<\/h3>\r\n\r\n\r\n\r\n
\u0644\u0627 \u064a\u0647\u0645 \u062d\u062c\u0645 \u062f\u062e\u0644\u0643 (\u0635\u063a\u064a\u0631\u064b\u0627 \u0643\u0627\u0646 \u0623\u0645 \u0643\u0628\u064a\u0631\u064b\u0627)\u060c \u0625\u0630\u0627 \u0644\u0645 \u062a\u0643\u0646 \u062a\u062a\u062a\u0628\u0639 \u0646\u0641\u0642\u0627\u062a\u0643\u060c \u0641\u0644\u0646 \u062a\u062a\u0645\u0643\u0646 \u0623\u0628\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u062d\u0643\u0645 \u0628\u0623\u0645\u0648\u0627\u0644\u0643. \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u0633\u062a\u0634\u0639\u0631 \u062f\u0627\u0626\u0645\u064b\u0627 \u0623\u0646 \u0623\u0645\u0648\u0627\u0644\u0643 \u0647\u064a \u0627\u0644\u062a\u064a \u062a\u062a\u062d\u0643\u0645 \u0628\u0643<\/em>.<\/p>\r\n\r\n\r\n\r\n\u0648\u0628\u064a\u0646\u0645\u0627 \u064a\u064f\u0639\u062f \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0623\u0645\u0631\u064b\u0627 \u0647\u0627\u0645\u064b\u0627\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645<\/em> \u0628\u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062a\u0628\u0639 \u0646\u0641\u0642\u0627\u062a\u0643 \u062e\u0644\u0627\u0644 \u0627\u0644\u0634\u0647\u0631. \u0643\u0644 \u0646\u0641\u0642\u0629 \u0645\u0647\u0645\u0627 \u0635\u063a\u0631\u062a. \u0633\u064a\u0633\u0627\u0639\u062f\u0643 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u062a\u0628\u0642\u064a \u0644\u0644\u0625\u0646\u0641\u0627\u0642. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u064a\u062c\u0639\u0644\u0643 \u0623\u0643\u062b\u0631 \u0648\u0639\u064a\u064b\u0627 \u0628\u0643\u064a\u0641\u064a\u0629 \u0625\u0646\u0641\u0627\u0642 \u0623\u0645\u0648\u0627\u0644\u0643 \u0628\u0627\u0644\u0641\u0639\u0644. \u0627\u0633\u062a\u062e\u062f\u0645 \u0623\u062f\u0648\u0627\u062a \u062a\u062a\u0628\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0644\u062a\u0633\u0647\u064a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0648\u062a\u0633\u062c\u064a\u0644 \u0643\u0644 \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u0628\u062f\u0642\u0629.<\/p>\r\n\r\n\r\n\r\n5. \u062a\u062d\u062f\u064a \u0639\u062f\u0645 \u0627\u0644\u0625\u0646\u0641\u0627\u0642<\/h3>\r\n\r\n\r\n\r\n
\u0647\u0644 \u062a\u0631\u064a\u062f \u0645\u0639\u0631\u0641\u0629 \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0625\u064a\u0642\u0627\u0641 \u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u061f \u062a\u062d\u062f\u064a \u0639\u062f\u0645 \u0627\u0644\u0625\u0646\u0641\u0627\u0642! \u0648\u0647\u0648 \u0627\u0644\u062a\u0632\u0627\u0645\u0643 \u0628\u0634\u0631\u0627\u0621 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0627\u062a \u0641\u0642\u0637 \u0644\u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629. \u0635\u062f\u0642 \u0623\u0648 \u0644\u0627 \u062a\u0635\u062f\u0642\u060c \u0625\u0646\u0647 \u0623\u0643\u062b\u0631 \u0645\u062a\u0639\u0629 \u0645\u0645\u0627 \u064a\u0628\u062f\u0648.<\/p>\r\n\r\n\r\n\r\n
\u0625\u0646 \u062a\u062d\u062f\u064a \u0646\u0641\u0633\u0643 \u0644\u0625\u0646\u0641\u0627\u0642 \u0623\u0642\u0644 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u0644\u0645\u062f\u0629 \u0634\u0647\u0631 \u0643\u0627\u0645\u0644 \u064a\u064f\u062c\u0628\u0631\u0643 \u0639\u0644\u0649 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u0643\u062b\u0631 \u0648\u0639\u064a\u064b\u0627 \u0628\u0646\u0641\u0642\u0627\u062a\u0643. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u064a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0639\u064a\u0634 \u0628\u062f\u0648\u0646\u0647\u0627 \u0641\u0639\u0644\u064a\u064b\u0627. \u0642\u062f \u062a\u0643\u062a\u0634\u0641 \u0645\u0648\u0627\u0647\u0628\u0643 \u0627\u0644\u0645\u062e\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0637\u0628\u062e \u0623\u0648 \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0628\u0646\u0641\u0633\u0643 \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0634\u0631\u0627\u0626\u0647\u0627.<\/p>\r\n\r\n\r\n\r\n
6. \u062a\u062c\u0646\u0628 \u0627\u0644\u0645\u0637\u0627\u0639\u0645 (\u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0637\u0639\u0627\u0645).<\/h3>\r\n\r\n\r\n\r\n
\u064a\u064f\u0639\u062f \u0627\u0644\u0637\u0639\u0627\u0645 \u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u064f\u0646\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0628\u0628\u0630\u062e. \u0646\u0639\u0644\u0645 \u062c\u0645\u064a\u0639\u064b\u0627 \u0623\u0646 \u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c \u0645\u0643\u0644\u0641 \u0644\u0644\u063a\u0627\u064a\u0629. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0646\u0641\u0642 15 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u063a\u062f\u0627\u0621 \u062e\u0645\u0633 \u0645\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u0633\u0628\u0648\u0639\u060c \u0641\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0667\u0665 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0641\u064a \u0627\u0644\u0623\u0633\u0628\u0648\u0639 (\u0648300 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0634\u0647\u0631)<\/em>. \u0648\u0644\u0627 \u062a\u0646\u0633\u064e \u0631\u0633\u0648\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0627\u0644\u0628\u0627\u0647\u0638\u0629! \u0641\u0639\u0646\u062f \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0644\u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c\u060c \u064a\u062c\u0628 \u0623\u0646 \u0646\u0636\u0639 \u0641\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0646\u0627 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0646\u0642\u0644\u060c \u0648\u0627\u0644\u0625\u0643\u0631\u0627\u0645\u064a\u0627\u062a\u060c \u0648\u0627\u0644\u0645\u0634\u0631\u0648\u0628\u0627\u062a\u060c \u0645\u0645\u0627 \u064a\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n\u0625\u0646 \u0642\u0631\u0627\u0631 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c (\u0623\u0648 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0627\u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u0646\u0647) \u0647\u0648 \u0648\u0633\u064a\u0644\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0641\u0631\u0637. \u0644\u0627 \u0623\u0642\u0648\u0644 \u0625\u0646\u0647 \u0644\u0627 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0623\u0628\u062f\u064b\u0627 \u062a\u062f\u0644\u064a\u0644 \u0646\u0641\u0633\u0643 \u0628\u062a\u0646\u0627\u0648\u0644 \u0641\u0637\u0648\u0631 \u0648\u063a\u062f\u0627\u0621 \u064a\u0648\u0645 \u0627\u0644\u0623\u062d\u062f \u0623\u0648 \u0639\u0634\u0627\u0621 \u0641\u0627\u062e\u0631 \u0641\u064a \u0645\u0646\u0627\u0633\u0628\u0629 \u062e\u0627\u0635\u0629 – \u0641\u0642\u0637 \u0642\u0644\u0644 \u0645\u0646 \u0630\u0644\u0643 \u0648\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643. \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c \u0628\u062a\u062d\u0636\u064a\u0631 \u0648\u062c\u0628\u0627\u062a \u0645\u0646\u0632\u0644\u064a\u0629 \u0635\u062d\u064a\u0629 \u0648\u0644\u0630\u064a\u0630\u0629\u060c \u0645\u0645\u0627 \u064a\u0648\u0641\u0631 \u0644\u0643 \u0627\u0644\u0645\u0627\u0644 \u0648\u064a\u0645\u0646\u062d\u0643 \u062a\u062d\u0643\u0645\u064b\u0627 \u0623\u0643\u0628\u0631 \u0641\u064a \u0645\u0643\u0648\u0646\u0627\u062a \u0637\u0639\u0627\u0645\u0643.<\/p>\r\n\r\n\r\n\r\n
7. \u062e\u0637\u0651\u0637 \u0644\u0648\u062c\u0628\u0627\u062a\u0643.<\/h3>\r\n\r\n\r\n\r\n
\u0628\u0627\u0644\u062d\u062f\u064a\u062b \u0639\u0646 \u0639\u062f\u0645 \u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c\u060c \u0641\u0625\u0646 \u062a\u062e\u0637\u064a\u0637 \u0648\u062c\u0628\u0627\u062a\u0643 \u0645\u0633\u0628\u0642\u064b\u0627 \u064a\u064f\u0645\u0643\u0646 \u0623\u0646 \u064a\u064f\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u062e\u0641\u0636 \u062a\u0643\u0627\u0644\u064a\u0641 \u0637\u0639\u0627\u0645\u0643 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629. \u0648\u0644\u0627 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0623\u0645\u0631 \u0645\u064f\u0639\u0642\u062f\u064b\u0627! \u064a\u0645\u0643\u0646\u0643 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0623\u0648 \u0645\u0648\u0627\u0642\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u064f\u062e\u0635\u0635\u0629 \u0644\u0630\u0644\u0643.<\/p>\r\n\r\n\r\n\r\n
\u0627\u062e\u062a\u0631 \u0628\u0639\u0636 \u0627\u0644\u0648\u0635\u0641\u0627\u062a \u0644\u0644\u0623\u0633\u0628\u0648\u0639\u060c \u0648\u062a\u0648\u062c\u0647 \u0625\u0644\u0649 \u0627\u0644\u0645\u062a\u062c\u0631 \u0628\u0642\u0627\u0626\u0645\u062a\u0643\u060c \u0648\u062e\u0635\u0635 \u0628\u0639\u0636 \u0627\u0644\u0648\u0642\u062a \u0644\u062a\u062d\u0636\u064a\u0631 \u0623\u0648 \u0637\u0647\u064a \u0648\u062c\u0628\u0627\u062a\u0643. \u0641\u064a \u0627\u0644\u0645\u0631\u0629 \u0627\u0644\u0642\u0627\u062f\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u063a\u0631\u064a\u0643 \u0641\u064a\u0647\u0627 \u0641\u0643\u0631\u0629 \u0627\u0644\u0630\u0647\u0627\u0628 \u0625\u0644\u0649 \u0645\u0637\u0639\u0645 \u0644\u0644\u0648\u062c\u0628\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0639\u0629 \u0628\u0639\u062f \u064a\u0648\u0645 \u0637\u0648\u064a\u0644\u060c \u064a\u0645\u0643\u0646\u0643 \u0623\u0646 \u062a\u0642\u0648\u0644: “\u0644\u062f\u064a\u0646\u0627 \u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u0645\u0646\u0632\u0644!”<\/p>\r\n\r\n\r\n\r\n
8. \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0638\u0627\u0631\u064a\u0641.<\/h3>\r\n\r\n\r\n\r\n
\u0625\u062d\u062f\u0649 \u0637\u0631\u0642 \u062a\u062c\u0646\u0628 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0632\u0627\u0626\u062f \u0647\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0638\u0627\u0631\u064a\u0641 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 (Cash Envelope System). \u0625\u0644\u064a\u0643 \u0643\u064a\u0641\u064a\u0629 \u0639\u0645\u0644\u0647: \u0627\u062e\u062a\u0631 \u0628\u0646\u0648\u062f\u064b\u0627 \u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 (\u0645\u062b\u0644 \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0648\u0627\u0644\u0648\u0642\u0648\u062f \u0648\u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629)\u060c \u0648\u0642\u0645 \u0628\u062a\u0633\u0645\u064a\u0629 \u0645\u0638\u0627\u0631\u064a\u0641 \u0641\u0631\u062f\u064a\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u0648\u062f\u060c \u062b\u0645 \u0636\u0639 \u0646\u0642\u0648\u062f\u064b\u0627 (\u0646\u0639\u0645\u060c \u0646\u0642\u0648\u062f\u064b\u0627 \u0645\u0627\u062f\u064a\u0629<\/em>) \u0641\u064a \u0643\u0644 \u0645\u0638\u0631\u0648\u0641.<\/p>\r\n\r\n\r\n\r\n\u064a\u064f\u0639\u062f \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0638\u0627\u0631\u064a\u0641 \u0645\u0641\u064a\u062f\u064b\u0627 \u0644\u0639\u062f\u0629 \u0623\u0633\u0628\u0627\u0628: 1) \u064a\u0645\u064a\u0644 \u0627\u0644\u0646\u0627\u0633 \u0625\u0644\u0649 \u0625\u0646\u0641\u0627\u0642 \u0623\u0642\u0644 \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0642\u0648\u062f \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u06482) \u064a\u0645\u0643\u0646\u0643 \u0641\u0642\u0637 \u0625\u0646\u0641\u0627\u0642 \u0645\u0627 \u062e\u0635\u0635\u062a\u0647 \u0641\u064a \u0627\u0644\u0645\u0638\u0631\u0648\u0641. \u0639\u0646\u062f\u0645\u0627 \u064a\u0646\u0641\u062f \u0627\u0644\u0645\u0627\u0644\u060c \u064a\u0646\u062a\u0647\u064a \u0627\u0644\u0623\u0645\u0631! \u0625\u0646\u0647\u0627 \u0637\u0631\u064a\u0642\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0627\u0646\u0636\u0628\u0627\u0637 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642.<\/p>\r\n\r\n\r\n\r\n
<\/p>\r\n\r\n\r\n\r\n
\u0646\u0635\u064a\u062d\u0629 \u0642\u064a\u0651\u0645\u0629<\/h3>\r\n\r\n\r\n\r\n
\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u062a\u062c\u0631\u0628\u0629 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0638\u0627\u0631\u064a\u0641 \u0644\u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643\u060c \u0641\u0625\u0646 Rachel Cruze Wallet \u062a\u0639\u062f \u0623\u062f\u0627\u0629 \u0631\u0627\u0626\u0639\u0629 (\u0648\u0623\u0646\u064a\u0642\u0629) \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0632\u0627\u0626\u062f. \u0641\u0647\u064a \u0645\u0635\u0645\u0645\u0629 \u062e\u0635\u064a\u0635\u0627\u064b \u0644\u062a\u0633\u0647\u064a\u0644 \u0639\u0645\u0644\u064a\u0629 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0646\u0642\u0648\u062f \u0648\u062a\u062e\u0635\u064a\u0635 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0644\u0643\u0644 \u0641\u0626\u0629 \u0645\u0646 \u0641\u0626\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0645\u0645\u0627 \u064a\u0645\u0646\u062d\u0643 \u062a\u062d\u0643\u0645\u0627\u064b \u0623\u0643\u0628\u0631 \u0641\u064a \u0623\u0645\u0648\u0627\u0644\u0643.<\/p>\r\n\r\n\r\n\r\n
9. \u062a\u062e\u0644\u064e\u0651 \u0639\u0646 \u0627\u0644\u062f\u064a\u0648\u0646.<\/h3>\r\n\r\n\r\n\r\n
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10. \u0627\u0628\u062d\u062b \u0639\u0646 \u0628\u062f\u0627\u0626\u0644 \u0644\u0644\u0639\u0644\u0627\u062c \u0628\u0627\u0644\u062a\u0633\u0648\u0642.<\/h3>\r\n\r\n\r\n\r\n
\u0642\u062f \u0646\u0645\u0632\u062d \u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u0628\u0634\u0623\u0646 \u0643\u0648\u0646\u0646\u0627 \u0645\u062f\u0645\u0646\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062a\u0633\u0648\u0642\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0642\u0647\u0631\u064a\u060c \u0648\u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645\u00a0Retail Therapy\u060c \u0647\u0648 \u0623\u0645\u0631 \u062d\u0642\u064a\u0642\u064a. \u0646\u0634\u062a\u0631\u064a \u0634\u064a\u0626\u064b\u0627 \u0644\u0623\u0646\u0646\u0627 \u0646\u0631\u064a\u062f\u0647\u00a0\u0627\u0644\u0622\u0646<\/em>. \u0646\u0636\u064a\u0641\u0647 \u0625\u0644\u0649 \u0633\u0644\u0629 \u0627\u0644\u062a\u0633\u0648\u0642\u00a0\u0642\u0628\u0644<\/em>\u00a0\u0623\u0646 \u0646\u0641\u0643\u0631 \u0641\u064a\u0645\u0627 \u0647\u0648 \u0645\u0648\u062c\u0648\u062f \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a (\u0623\u0648 \u0642\u0628\u0644 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0623\u0647\u062f\u0627\u0641\u0646\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629).<\/p>\r\n\r\n\r\n\r\n\u0644\u0643\u0646 \u0627\u0644\u0625\u0634\u0628\u0627\u0639 \u0627\u0644\u0641\u0648\u0631\u064a \u0644\u064a\u0633 \u0643\u0645\u0627 \u064a\u0628\u062f\u0648 \u0639\u0644\u064a\u0647. \u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0627\u0644 \u0644\u0627 \u064a\u062c\u0639\u0644\u0643 \u062a\u0634\u0639\u0631 \u0628\u062a\u062d\u0633\u0646 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639… \u062e\u0627\u0635\u0629 \u0639\u0646\u062f\u0645\u0627 \u062a\u0631\u0649 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u064a\u062a\u0642\u0644\u0635 \u0623\u0645\u0627\u0645 \u0639\u064a\u0646\u064a\u0643.<\/p>\r\n\r\n\r\n\r\n
\u0644\u0630\u0627\u060c \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0645\u0634\u0627\u0639\u0631\u0643 \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0627\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0645\u0627 \u062a\u062e\u0628\u0631\u0643 \u0628\u0647 \u0645\u0634\u0627\u0639\u0631\u0643 \u062d\u0642\u064b\u0627. \u0623\u0648 \u0627\u0628\u062d\u062b \u0639\u0646 \u0623\u0634\u064a\u0627\u0621 \u0623\u062e\u0631\u0649 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0647\u0627 \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0627\u0644: \u0645\u0627\u0631\u0633 \u0628\u0639\u0636 \u0627\u0644\u062a\u0645\u0627\u0631\u064a\u0646 \u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0629\u060c \u062a\u062d\u062f\u062b \u0625\u0644\u0649 \u0635\u062f\u064a\u0642\u060c \u0623\u0648 \u0642\u0645 \u0628\u0645\u0647\u0645\u0629 \u0643\u0646\u062a \u062a\u0624\u062c\u0644\u0647\u0627. \u0641\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0644\u064a\u0645 \u064a\u062a\u0637\u0644\u0628 \u0636\u0628\u0637 \u0627\u0644\u0646\u0641\u0633 \u0648\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0648\u0627\u0639\u064a.<\/p>\r\n\r\n\r\n\r\n
11. \u0642\u0627\u0648\u0645 \u0627\u0644\u0625\u063a\u0631\u0627\u0621\u0627\u062a.<\/h3>\r\n\r\n\r\n\r\n
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\u0631\u0628\u0645\u0627 \u062a\u0643\u0648\u0646 \u0645\u062d\u0627\u0633\u0628\u062a\u0643 \u062a\u062a\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644 Financial Coach – \u062e\u0628\u064a\u0631 \u064a\u0645\u0643\u0646\u0647 \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0648\u0636\u0639\u0643 \u0648\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u062c\u0630\u0631 \u0625\u0646\u0641\u0627\u0642\u0643 \u0627\u0644\u0632\u0627\u0626\u062f. \u0625\u0646 \u0645\u0639\u0631\u0641\u0629 \u0623\u0646\u0643 \u0633\u062a\u0636\u0637\u0631 \u0625\u0644\u0649 \u0625\u0628\u0644\u0627\u063a \u0634\u062e\u0635 \u0622\u062e\u0631 \u0639\u0646 \u062a\u0642\u062f\u0645\u0643 \u062a\u062d\u0641\u0632\u0643 \u0639\u0644\u0649 \u0628\u0630\u0644 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062c\u0647\u062f.<\/p>\r\n\r\n\r\n\r\n
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![\"How](\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/HowToStopSpending.jpg\")
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