Nzira Yokugadzirisa Nayo Mari Yenyu
Kushandisa bhajeti kuti uchengetedze mari yako ndiyo inokosha yekubhadhara chikwereti chako. Asi, dzimwe nguva bhajeti yako ingasashanda . Nhamba idzi dzinogona kunge dzisina kufanana uye nenzira imwe neimwe iwe unogona kushandisa nguva yakawanda kupfuura iwe wakaronga. Heano chivande: matambudziko akawanda nebhajheji haasi pamusoro pebhajheti chaiyo zvachose. Heano zvimwe zvezvikonzero zvinowanzoburwa nemari inosashanda uye kuti ungawana sei bhajeti yako pamutambo.
01 Hauna Kuzvipa Zvakakwana Nguva
02 Matambudziko Ako Akapambirira Mari Yako
Kana mari yako yakawanikwa (mari inoshandiswa kuderedza mari) ndiyo nhamba isina kunaka, iwe uri kushandisa mari yakawanda kupfuura iwe. Dambudziko harisi bhajeti, ndiko kushandiswa kwako. Ongorora imwe neimwe yekushandisa mari uye uone kuti ndeiwe unogona kuderedza.
Izvi zvinogona kuva basa rakaoma, kunyanya kana uri kudzvora kune dzimwe nzvimbo dzinoita kuti unzwe wakasununguka. Asi kudzidza kurarama mukati mehutano hwako kuchakuisa mune imwe nzvimbo iri nani mune zvemari.
03 Iwe Hauna Mari Yakawanda Yakatarirwa Zvimwe Zvikamu
Zviri nyore kunyanya kufunga kuti iwe uchatora mari yakawanda sei mune dzimwe nzvimbo, kunyanya zvokudya uye gasi. Kana iwe ukaona kuti iwe unoramba uchinyanyisa kubhadhara bhajeti yako mumapoka iwayo, ungada kuwedzera bhajeti yezvinhu izvi. Yeuka kuti zvinogona kureva kuderedza zvakare kushandiswa kwako kune dzimwe nzvimbo kuti urege kubva kune bhajeti.
04 Iwe Hausi Kuisa Kwazvo
Unofanirwa kushandisa bhajeti yako kana uchida kuti iite. Usangonyora nhamba papepa uye uinamire muhodhi uye ukanganwe nezvazvo. Tarisa bhajeti yako nguva dzose mumwedzi. Chengetedza mari yako uye uenzanise neawakaronga kuti uone kuti uri kuita sei.
05 Iwe Hauna Kusiya Chero Chekuseka
Kurarama pane bhajeti hazvireve kuti haugoni kufara nezvinhu zvako zvinowanzoitika pakuzvivaraidza nekuvaraidza. Zvinongoreva kuti iwe wakasarudza nguva isati yapfuura kuti uchapedza mari yakawanda sei pazvinhu izvozvo. Kucheka zvose zvinonakidza zvichaita kuti iwe usatsvega bhajeji uye iyo haisi iyo chinangwa. Ramba rakakodzera. Iwe unogona kunge uchingofara uye usingaiti bhadha yako.
06 Unotarisa Zvakawanda paChiri Kupfuura Gurongwa
Basa rekugadzirisa rakanaka harifaniri kuparadzira shanduro yepamusoro kana purogiramu yemari. Iwe unogona kunyora kuisa bhajeti yako muhomwe yega yega uye kuita kuti ibudirire semhando ipi zvayo yemagetsi yemari. Kana bhajeti yako yekushandisa mari ichikuita kuti urege kuvhejesa, tora pasi pasi. Dhinda mapepa mashomanana ebhizinesi rekushandura bhajeti kuitira kuti utange.
07 Hamuri Kuchigadzirisa
Bhijheti haisi chikamu chepamutemo-chisungo chisingazombochinjwa. Pane zvakasiyana, unofanira kuchinja bhadha yako nguva nenguva, kunyanya pakutanga. Kana mari yako kana mari yako ishanduka, iva nechokwadi chokuti bhajeti yako inoratidza kuchinja. Upenyu hukuru hunochinja sehuroorana, kurambana, kana kuberekwa, zvinodawo kugadziriswa kwemari. A
08 Hausi Kuzvipira Kuzvipira
Kuratidzira bhajeti yako kunoda iwe kuti utaure "kwete" kune zvimwe zvisingatengeswa kutenga. Iwe unogona kutofanira kutora kutenga nguva yakareba zvakakwana kuti uone bhajeti yako kuti uone kana iwe uchikwanise kuzvipa. Usatya kunonoka zvimwe kutenga, kunyange kana zvichireva kuchengetedza ivo.
09 Uri kubiridzira
Hongu, iwe unogona kunyengedza pane bhajeti. Iwe unogona kudarika mari yako kana kutarisira mari. Hapana munhu achakurova iwe nekunyengera pane bhajeti yako. Cherechedza, zvisinei, kusanamatira kubhadharo yako kunogona kuva nemigumisiro, kufanana nezvimwe chikwereti kubhadhara kana kuvhara mune mari yako yekubhadhara zvikwereti nguva dzose.
10 Iwe Wakakanganwa Mamwe Matengo
Kana iwe usingaverengi mari yose mubhajheji yako, inogona kuoneka yakaputsika kana uchienzanisa mari yako kumari yako pamagumo emwedzi. Shandisa chekuchera chekeri, mabhizimusi ekuIndaneti, uye mabhizimusi ekubvisa ATM kuti utore zvose zvaunoshandisa.
11 Iwe Wanga Usina Bhijiti Kuti Uwane Mari Yegore Negore
Hasi mitsara yako yose ine mwedzi yakakodzera. Vamwe vavo, sekubhadhara mari yemishuwarisi kana mitero yemitengo, inongowanikwa kamwe chete pagore. Kana iwe usingaverengi mari iyi mubhajheji yako, ivo vachakutora vakashamiswa. Bhijititi yegore negore-gore rinoshandiswa kudhura nekuparadzanisa mari yose ye 12 kana 6. Kana ukaisa mari yacho mukati megore, iyo huru mari haizokuri mari yako.
12 Iwe Hauna Eer Emergency Fund
Chikwata chekukurumidzira chinokuchengetedza kuti usapedze kubva muhomwe nekuda kwemari isingatarisirwi. Kana iwe usina chirongwa chekukurumidzira iye zvino, tanga kuisa mazana mashoma madhora mwedzi mumwe nomumwe kusvikira iwe ukavaka mari yakaoma yekushungurudza iyo mwedzi mitatu kusvika kumitanhatu yekugara mari.