Chimwe chezvikonzero izvo vanhu vakawanda vanorega kubhadhara mari ndeyekuti havagoni kuita sevari kuita bhajeti. Kazhinji zvinetso zvinouya kubva pakuita imwe yezvi 10 zvinokanganisa bhadhaji. Inobatsira kunzwisisa zvikanganiso nemafungiro asina kunaka iwe unogona kunge uchikubatsira kuti uwane kudzora mari yako. Dzidza kana iwe uri kuita chimwe chezvikanganiso izvi uye kuti unozvigadzirisa sei .
01 Kubhadhara Mistake: Kufungidzira paMwedzi Yezvokudya
Paunotanga bhajeti yako yekutanga, iwe ungasaziva kuwanda kwekupa zvikamu zvakasiyana mubhajheji yako. Inobatsira kutarisa pamusoro pemwedzi mitatu yakapfuura yakakodzera yekushandisa uye uchitsigira mari yacho yega yega yega paavhareji yawakapedza. Mumwedzi mishoma inotevera, unogona kuderedza kushandiswa zvishoma nezvishoma. Imwe muenzaniso wakawanda ndeyekusarudza kuti iwe uchapedza $ 200.00 pamwedzi pane zvekutengesa iwe, apo mwedzi mishomanana yapfuura iwe uine $ 500.00. Kudzvora $ 300.00 mumwedzi pamusoro pekudya kunogona kuisa iwe pachako kukakundikana. 02 Kubhadhara Mistake: Kupa Mari yekubhadhara
Kana iwe uchibhadharwa vhiki imwe neimwe kana imwe neimwe vhiki, iwe unogona kugovera yako mari yekubhadhara. Izvi zvinoreva kuti vhiki iyo iwe unobhadhara chikwereti chako kana kubhadhara, iwe unogona kuva wakasimba chaizvo, uye inogona kuva yakaoma kana yakawanda yemitemo yako yakakodzera panguva imwe chete. Nzira yakanakisisa iri pari apa ndeyokuparadzanisa imwe neimwe yekubhadhara uye kuisa mari kubva kune imwe neimwe kuvhara mari huru. Imwe nzira ndeyekuchengetedza mwedzi wemari, uye shandisa izvozvo kune bhajeti yako, apo uri kuchengetedza zvauri kuwana mwedzi uno kuti ubhadhara pamitambo yemwedzi inotevera. Izvi zvinogadzirisa bhajeti zvakanyanya nyore, uye zvinobatsira kudzivirira nguva iyo iwe usina mari yekutengesa. 03 Budgeting Mistake: Kwete Kuchengeta Kushandisa Kwako
Kana iwe usingateereri mari yako neboka, ipapo bhajeti yako haisi kukuitira chero chakanaka. Kana iwe usingazivi zvawakapedza, haugoni kuziva kana wapedza muganhu wako. Chinokosha ndechokuti uwane nzira yekubhadharira iyo inoshanda zvakanaka kwauri, ingave software kana nzira yevulopu . Kana ukangotarisa mari yako, iwe unogona kutanga kutora bhajeti yako. 04 Bhijitori Mistake: Kusiya Zvinhu
Chikanganiso chimwe chete chekuti vanhu vanokanganwa kuisa zvinhu mubhajheji yavo. Iwe unogona kusiya zvinhu zvakadai sezvipo, mishudziro kana zvikwereti zvegore negore. Kana usina kuronga kana kuronga mari, inogona kukukuvadza kana yava nguva yokuripa. Iwe unogona kugadzirisa mari yegore negore nekuparadzanisa mari yaunobhadhara neiri gumi nemaviri nekuisa mari iyo pamwedzi wega wega. Iwe unodawo kuva nechokwadi kuti hauna kukanganwa kuwedzera zvinhu izvo vanhu vanowanzokanganwa . Pashure pemwedzi mishomanana yebhajheji, iwe unogona kukwanisa kuziva mari yaunoshandisa. 05 Kubhadharira Mistake: Kusashanda seChishanu
Kana iwe wakaroorana, chimwe chezvinhu zvikuru zvinogona kunge zviri kushanda pamwechete pabhadharo yako . Imi mose munoda kuzvipira, nekukurukurirana kwaunenge uine mari nguva dzose. Izvi zvinokudzivirira kubva kune zvose zviri zviviri kushandisa mari yakawandisa kana kupfurikidza nemutengo wemari mune rimwe zuva. Kana iwe wakaroorana, zvakakosha kuti iwe ushande pamwechete pamari yako. 06 Budgeting Mistake: Hapana Emergency Fund
Chikwata chekukurumidzira ndicho chinoponesa bhajeti yako kana iwe uchibhadhara kugadzirisa motokari kana iwe unofanirwa kuvhara dambudziko rekurapa. Kana iwe ukasarudzira mari muhomwe yako yekukurumidzira, iwe uchakwanisa kubata zvisina kutarisirwa kana nguva yasvika. Dhaka rako rekukurumidzira rinoita kuti zvive nyore kubata nematambudziko anokonzerwa nemari muhupenyu hwako nokuti unoziva kuti wakazvifukidza. 07 Kubhadharwa Mistake: Hapana Kufara Mari
Paunenge uchizvidzivirira pamari yose inofadza kana yekushambadzira, iwe unowanzopinza bhajeti yako. Splurges dzakanaka, asi iwe unofanirwa kuvaronga , uzviise mubhajheji yako mwedzi woga woga uye unamatira kune mari yaunenge uchizoshandisa. Kana zvisina kudaro, iwe unogona kupararira uye kupedzisa kushandisa mari kupfuura iwe zvaunenge uine kana iwe usati wakamisa mitemo pakutanga. 08 Kubhadhara Mistake: Kuronga Kuda Sezvinodiwa
Chimwe chikanganiso icho vanhu vanoita ndechokuisa zvavanoda sezvinodiwa. Apo chimwe chinhu chinosarudzwa, sechidikanwi, iwe haufungi kufunga kuzvidzora pairi zvakanyanya pakutanga. Iwe unogonawo kugadzira zvido uye unoda kupinda muchikamu chimwe chete, chinogona kuita kuti zvive zvakaoma. Somuenzaniso, zvokudya zvinonzi zvinodiwa, kudya kunze kwekushaiwa. Zvokudya zvako zvinokosha zvinoda, zvokudya, pokugara, uye simba. Kutakura mukati mechikonzero kunogona kuva chido zvichienderana neunogara. Dzidza zvakawanda pamusoro pezvishanu zvinowanzodiwa kuti vanhu vanokanganisa zvinhu zvinodiwa . 09 Kubhadhara mari yekuita mari: Kufunga kuti Mwedzi Yenyu Yese Inowanikwa
Vanhu vazhinji vanotarisa zvikwereti zvavo zvepamwedzi semagariro. Semuenzaniso, yako kabhadhi uye foni yemutero inogona kuva imwechete mwedzi mumwe nomumwe. Somugumisiro, kana uchitarisa bhajeti yako, iwe ungasave uchifunga nzira dzaunogona kuderedza mari yaunoshandisa pavari . Inobhadhara kutenga zvakapoteredza zvinhu zvose kubva kune inshuwarisi kuenda kune waterevhizheni yako kuhutano hwehutano hwako. Iwe unofanirwa kutora nguva gore negore kuti uone kana iwe unogona kuwana mutengo uri nani. 10 Kubhadharisa Mistake: Kusina Kuva Nemumwe
Kukanganisa kukuru kwebhajheji hakusi kune imwe chete. Kana iwe usina bhajeti, iwe unogona kunge uri kurarama pakati pematambudziko emari. Iwe hausi kuponesa kwekamangwana uye kungofambidzana uchifamba, iwe uchigona kukwanisa kusvika, hausi kuenda mberi. Tora nguva yekuisa bhajeti yako nhasi.