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Your home is more than just a living space—it's a reflection of your personality, values, and lifestyle. Whether you're looking to cultivate a lush garden, redesign your interiors, embark on a DIY renovation, or embrace sustainable living, this guide covers the latest trends and tips in home and garden essentials.
1. Gardening: Cultivating Beauty & Sustainability

Gardening is a rewarding hobby that connects you with nature while enhancing your home’s curb appeal.
Top Gardening Trends (2024):

Native & Drought-Resistant Plants – Save water with xeriscaping (lavender, succulents).

Vertical & Urban Gardens – Perfect for small spaces (wall planters, balcony setups).

Edible Landscaping – Grow herbs, veggies, and fruit trees (tomatoes, strawberries).

Pollinator-Friendly Gardens – Attract bees & butterflies with wildflowers.

Gardening Tips for Beginners:

? Start small with easy-to-grow plants (pothos, basil).
? Use compost for natural soil enrichment.
? Water deeply but less frequently for stronger roots.
2. Interior Design: Style Meets Functionality

Your home’s interior should be both beautiful and livable.
2024 Interior Design Trends:

Biophilic Design – Bring nature indoors (wood accents, indoor plants).

Warm Minimalism – Neutral tones with cozy textures (linen, rattan).

Multifunctional Spaces – Home offices that double as guest rooms.

Vintage & Thrifted Decor – Sustainable, unique finds (Facebook Marketplace, Etsy).

Budget-Friendly Decor Ideas:

? Rearrange furniture for a fresh look.
? DIY art or upcycle old furniture.
? Use mirrors to create the illusion of space.
3. Home Improvement: DIY Upgrades That Add Value

From small fixes to major renovations, smart improvements increase comfort and home value.
Popular Home Improvement Projects:

Kitchen Refresh – Paint cabinets, update hardware.

Energy-Efficient Upgrades – LED lighting, smart thermostats.

Bathroom Remodel – Modern fixtures, walk-in showers.

Outdoor Living Spaces – Decks, patios, fire pits.

DIY vs. Hiring a Pro?

? DIY: Painting, shelving, minor repairs.
? Hire a pro: Electrical, plumbing, structural changes.
4. Outdoor Living: Extending Your Home Outside

Transform your backyard into an oasis for relaxation and entertainment.
Outdoor Living Trends:

Cozy Fire Features – Fire pits, outdoor fireplaces.

Outdoor Kitchens – Pizza ovens, BBQ stations.

Sustainable Landscaping – Rain gardens, permeable paving.

Privacy Solutions – Trellises, tall hedges, bamboo screens.

Affordable Outdoor Upgrades:

? String lights for instant ambiance.
? Repurpose pallets into patio furniture.
? Add potted plants for greenery.
5. Sustainable Living: Eco-Friendly Home Practices

Reduce your carbon footprint while saving money with green living solutions.
Ways to Live More Sustainably at Home:

Reduce Energy Use – Solar panels, smart power strips.

Water Conservation – Low-flow showerheads, rainwater harvesting.

Zero-Waste Habits – Composting, reusable containers.

Eco-Friendly Materials – Bamboo flooring, recycled glass countertops.

Easy Swaps for a Greener Home:

?? Swap plastic wrap for beeswax wraps.
?? Use LED bulbs instead of incandescent.
?? Choose secondhand furniture over fast furniture.
Final Thoughts

Your home and garden are extensions of your lifestyle—whether you’re a DIY enthusiast, a design lover, or an eco-conscious homeowner, small changes can make a big impact.

What’s your next home project?

Посмотрите на созданную модель, в ней уже есть основные показатели и настроенные формулы расчета https://tevconsulting.finance/anketa-business
На основании значений выручки и расходов есть дополнительные показатели: точка безубыточности, запас финансовой прочности, операционный рычаг https://tevconsulting.finance/vizitka
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При ведении управленческого учета в 1С:УНФ значения показателей для заполнения модели можно найти в самой программе https://tevconsulting.finance/
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В 1С:УНФ информация доступна в отчете Доходы и расходы по статьям (по отгрузке) https://tevconsulting.finance/confi
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Разбираем на примере https://tevconsulting.finance/anketa-business

Аналитическая записка https://tevconsulting.finance/dfa

Прогнозный баланс https://tevconsulting.finance/dfa

Исходные данные https://tevconsulting.finance/

Сценарий 3 https://tevconsulting.finance/dfa
Сокращение продаж и рост закупочных цен https://tevconsulting.finance/

общее описание проекта, товары и услуги, маркетинг-план и анализ рынков производственный план, структура управления, анализ рисков, финансовый план https://tevconsulting.finance/oferta

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Слишком оптимистичные или пессимистичные прогнозы по доходности https://tevconsulting.finance/business
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Пользователей, в т https://tevconsulting.finance/vizitka
ч https://tevconsulting.finance/yslugi-ip
инвесторов интересуют в первую очередь именно эти показатели https://tevconsulting.finance/business
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Денежный поток https://tevconsulting.finance/coaching

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Главный вопрос, на который финансовая модель помогает ответить собственнику: https://tevconsulting.finance/vizitka

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В пояснительной записке есть заключение, сделанное на основании показателей https://tevconsulting.finance/anketa-business
Например, анализ показал, что интернет-магазин текстильного предприятия посещают 10 тысяч человек в месяц, а покупки совершают только 200 человек https://tevconsulting.finance/oferta
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Чаще всего используют три основных варианта построения финмодели:

PP (срок окупаемости) — минимальный период, за который окупятся затраты на запуск https://tevconsulting.finance/oferta
Для этого нужно спрогнозировать, сколько прибыли бизнес будет приносить каждый год, и посчитать, когда совокупная прибыль превысит размер инвестиций https://tevconsulting.finance/anketa-business
Чем дольше окупаются вложения, тем менее привлекательной считается компания https://tevconsulting.finance/confi

Подсчитайте, сколько уже вложили и сколько ещё планируете вложить в бизнес https://tevconsulting.finance/dfa
Учитывайте деньги учредителей, инвесторов, кредиторов https://tevconsulting.finance/
Для последних дополнительно уточните сроки возврата и процентные ставки https://tevconsulting.finance/confi

Например, спрогнозируйте количество покупателей и размер среднего чека в вашей кондитерской по итогам первого, третьего, шестого и двенадцатого месяца https://tevconsulting.finance/confi
Укажите, почему вы считаете, что они повысятся https://tevconsulting.finance/oferta
На основе этих данных для каждого периода и направления перечислите:
Финансовая модель бизнеса Россия https://tevconsulting.finance/anketa-business

NPV (чистую приведённую стоимость) — это сумма входящих и исходящих денежных потоков на дату, когда инвестор хотел бы получить прибыль https://tevconsulting.finance/coaching
Например, спустя год после того, как он вложил деньги https://tevconsulting.finance/vizitka
По отрицательному NPV инвестор поймёт, что расходы проекта превысили сумму вложения https://tevconsulting.finance/vizitka

Документ готовится в табличной форме в программе Excel или в Google-документах https://tevconsulting.finance/yslugi-ip
Желательно разбираться в построении формул https://tevconsulting.finance/coaching
Это необходимо для выстраивания зависимости между конкретными показателями https://tevconsulting.finance/yslugi-ip
Есть готовые шаблоны и программы финансовых моделей https://tevconsulting.finance/business
Они значительно облегчают процесс подготовки ФМ https://tevconsulting.finance/dfa

Глобально у него две цели:

Укажите, сколько денег вы ежемесячно тратите или планируете тратить на:
Анализ чувствительности — это таблица с ключевыми показателями, которые больше других влияют на чистую прибыль компании https://tevconsulting.finance/
Инструмент позволяет отслеживать изменения выручки и чистой прибыли в зависимости от исходных данных https://tevconsulting.finance/oferta

?? Совет Перебирая таким образом показатели, можно найти наиболее чувствительные и важные https://tevconsulting.finance/yslugi-ip
Их нужно зафиксировать в таблице чувствительности https://tevconsulting.finance/anketa-business
После этого необходимо проиграть крайние сценарии развития — самый негативный и максимально оптимистичный https://tevconsulting.finance/vizitka

Зачем нужна финансовая модель https://tevconsulting.finance/vizitka

статья всего за год январь февраль март Переменные затраты, руб https://tevconsulting.finance/confi
, в том числе: 32 200 000 2 280 000 2 330 000 2 540 000 ткани 20 700 000 1 390 000 1 440 000 1 560 000 обслуживание станков 920 000 70 000 72 000 76 000 зарплата швей 5 160 000 380 000 410 000 450 000 Постоянные затраты, руб https://tevconsulting.finance/anketa-business
, в том числе: 7 680 000 640 000 640 000 640 000 аренда цеха и склада 1 800 000 150 000 150 000 150 000 зарплата сотрудников 2 880 000 240 000 240 000 240 000 коммунальные расходы 360 000 30 000 30 000 30 000 Итого затрат (себестоимость) 39 880 000 2 920 000 2 970 000 3 080 000 https://tevconsulting.finance/coaching

– тип инвесторов бизнеса https://tevconsulting.finance/