Sei Kuita Bhijheti Kwakakosha Saka?
Anokurudzirwa mukurukuri John Maxwell akamboti, "Bhizimisi iri kuudza mari yako kwaunofanira kuenda pane kunetseka kwairi kuenda."
Kubhadhara mari ndeimwe yezvinhu zvinoshanda zvakanyanya zvekushandisa mari. Asi nei zvakakosha zvikuru? Ndezvipi zvakanakira kubhadhara? Uye nei uchifanira kufarira?
Ngatitarisei.
Ziva Zvaunotenga
Usati wagara pasi kuti uite bhajeti, iwe ungasaziva kuti ndeapi marudzi akasiyana ezvinhu zvaunoda kutenga.
Vanhu vazhinji vanoziva zvinhu zvinokonzera kuti vabvise chikwereti chavo zuva rimwe nerimwe kana vhiki nevhiki: zvokudya, petroli, coffees ku Starbucks, kudya kwekudya nevanin'ina.
Asi vanhu vazhinji havazivi zvinhu zvavanongorayira kamwe chete kana kaviri pagore, zvakadai sezvipo zvezororo, zvipo zvezvipo, uye motokisi yveshuwarisi.
Kuziva kunowedzera, kunyange zvakanyanya, kana zvasvika kune zvinhu zvatinongobhadhara chete panguva dzakasiyana-siyana, dzakadai sekugadzira denga redu, kutora nzvimbo yekushambadzira, kuisa matairi matsva pamotokari, kana kubhadhara mutoro wezvokudya zvechiremba unodhura.
Bhengi inokubatsira kuti uzive zvose izvi zvakasiyana-siyana zvemari. Aya mapepa anopa mazita akanaka ezvinodhura zvinowedzera pamusoro penguva.
Ita Zvaunotanga Kuita
Sezvandakareva kazhinji pane webhusaiti ino, kubhadharira urongwa hwekuenzanisa kushandiswa kwako nemari yako inokosha. Ndokusaka pasina nzira imwe chete "yakanakisisa" yekugadzira bhajeti yako - munhu wese anonyanya kukoshesa akasiyana.
Kuumba bhajeti kunogona kukubatsira kuti utaure zvinhu izvi zvakakosha. Ungada here kutumira vana vako kuchikoro chekunze, kana kuti mune mari yakakwana yekuvatora kune imwe nyika munguva yemachando? Ungada here kubhadhara chikwereti chako pakutanga, kana kuti uve nechikwata chikuru chekurega mari? Ungada here kugovera 10 muzana yemari yako kune rudo, kutenga motokari yako inotevera mune mari , kana kugadzirisa kicheni yako?
Iwe haugoni kutenga zvose. Chisarudzo chose chinoda kushambadzira. Kugadzira bhajeti kunobatsira kufungisisa zvakanyanya pamusoro pekushandira-iwe kwaunoda kuita.
Tanga Kutaurirana
Zvinogona kuva zvakaoma kuva mune peji yemari imwechete seyewakaroorana naye. Mushure mezvose, iwe newawakaroorana naye muchava nezvinhu zvakasiyana-siyana. Kana vana vako vakwegura zvakakwana kuti vave neruzhinji mumhuri dzemari dzemhuri, zvakanyanya kuoma kuti munhu wose awane peji rimwechete.
Kuumba bhajeti kunogona kukubatsira iwe, wako wako, vana vako, uye mamwe mapoka anofarira ane chivako chekukurukurirana pamusoro pezvisarudzo zvemari zvauchaita.
Iyi hurukuro ichakubvumira kuti uite zvido zvekutengesa uye zvisarudzo pamusoro pemugwagwa wezvemari inotorwa nemhuri yako. Mari yako ichazove "chirongwa chako" chekuzadzisa zvinangwa izvi.
Ita Zvinangwa Zvako Nokukurumidza
Zvinoratidzika sekuti haugoni kuenda mberi here? Chero pawakaita imwe nzira nemari yako, chimwe chiitiko chinokonzerwa nekukurumidza chinokusimudzira kudzokera kukwere rimwe. Motokari yako inoputsa. Mwana wako anokanda baseball kuburikidza nehwindo. Iwe unoda kuwana mazino ako euchenjeri akadzingwa, uye inshuwarisi haichafukidze chikwereti.
Bhengi inogona kukubatsira kuronga zvinhu izvi zvisingadzivisiki. Inogona kukubatsirawo kuti uende mberi pasinei nekushamiswa kwezvinhu izvi.
Nyaya iyi pamusoro pebhadharo yemari isina kutarisirwa inopa ruzivo rwakanyanya pamusoro pekuti iwe unogona sei kurarama nemapurvebho ehupenyu - uye uchiri kuramba wakasimba mune zvemari.
Iwe Uchitonga Budget Yako
Vanhu vakawanda vanotora kusaona zvikomborero zvekuita bhajeti nokuti vanonetseka kuti ivo vachave vakaderedzwa nemumwe.
Ingoyeuka: iwe unotarisira bhajeti yako, bhajeti yako haigoni kukudzora. Inokubatsira kuti uwane simba pamusoro pemari yako uye inokubvumira kurarama hupenyu hunogutsa. Haisi nguva here kuti iwe uise mari yako pane iyo inofanirwa? Mari yako inogona kukutungamirira ikoko.