Pane zvitsva zvishanu zvingakubatsira kuti uwane kutonga kwemari yako. Tevera matanho mashanu aya nguva dzose, uye matambudziko ako ezvemari anotanga kuderera-pamwe nekushungurudzika kwemari kunofambidzana navo.
Tanga Nezvinangwa
Chinhu chokutanga chaunofanira kuita ndechokunyora zvinangwa zvakananga pamusoro pezvaunoda kuita nehupenyu hwako nemari yako. Mari dzinogona kuchinja nzvimbo dzakawanda dzehupenyu hwako. Chinangwa chako chekufamba munyika chinokubata maitiro ako aunoronga mari yako. Chinangwa chako chekurega basa remangwana chinotarisana nekunyatsobata kwako mari yako ikozvino. Kubata pamba, kutanga mhuri, kutama kana kuchinja mabasa ose kuchabatwa nekutarisa kwaunoita mari yako.
Kana uchangobva kunyora pasi zvinangwa zvako zvemari, unofanirwa kuzviisa mberi. Izvi zvinovimbisa kuti uri kutarisira kune avo vanokosha zvikuru kwauri. Iwe unogona kuatarisa zvakare nenzira yaunoda kuzadzikisa nayo, asi yeuka kwechinangwa chenguva refu sekuchengetedza kubhadhara, unofanirwa kushanda kune iyo uye uchishanda pane zvimwe zvinangwa zvako.
Pasi pane mamwe mazano ekuti ungaziva sei zvinangwa zvako zvemari:
Tanga nekuisa chinangwa chenguva refu sekusununguka kubva mune chikwereti , kutenga imba, kana kuti kurega nekukurumidza. Izvo zvinangwa zvakasiyana nemigariro yako yenguva pfupi.
Ita zvinangwa zvenguva pfupi, sekutevera bhajeti, kuderedza mari yako , kana kusashandisa yako makadhi.
Ita kuti zvinangwa zvako zvivepo kukubatsira iwe kutanga chirongwa chemari.
Gadzira hurongwa
Chirongwa chezvemari chinonyanya kukosha mukukubatsira kusvika kune zvinangwa zvako zvemari. Chirongwa chacho chinofanira kuva nematanho akawanda. Muenzaniso weurongwa unogona kusanganisira kuwana kutonga kwebhajheji yako, kugadzira hurongwa hwekushandisa mari, nekubuda mune chikwereti.
Kana wapedza kuita zvinhu izvi zvitatu, wakasunungura mari yakawanda, uye mari yaunosunungura kubva pane chikwereti chako mari inogona kushandiswa pakuzadzisa zvinangwa izvi.
Pano, iwe unofanira kusarudza kuti zvinhu zvipi zvinokosha zvakakosha kwauri. Ramba uchishanda uchienda kune zvaunoda nguva refu yekurega basa , asi zvakare tanga kutarisa pane zvinangwa zvakakosha zvawakazvigadzirira iwe pachako. Iwe unoda kutora rwendo runoshamisa here? Tanga kutora mari ? Tenga imba kana kuvaka yako bhizinesi? Izvo zvinhu zvose zvaunofanira kufunga paunosarudza pane imwe danho rako rinotevera.
Zvinangwa zvako, pamwechete nechikwata chekukurumidzira, chichakubatsira iwe kudzivisa kuita zvisarudzo zvemari zvichibva pakutya uye kukubatsira kuti uwane kutonga kwemamiriro ako.
Pakusika hurongwa hwemari, yeuka zvinhu izvi:
Yako bhajeti inokosha yekubudirira. Icho ndicho chigadziro chinokupa iwe kunyanya kutarisa kwemangwana rako remangwana. Iko bhajari yako ndiyo inokosha yekuzadzisa zvimwe zveurongwa hwako.
Iwe unofanirwa kuramba uchingobatsira kune vavariro dzenguva refu sekuchengetedza kubhadhara pasinei nheyo ipi yepurogiramu yako yemari uri iwe.
Kuvaka mari yekukurumidzira ndeimwe imwe chinhu chinokosha pakubudirira kwemari.
Gara kuBhujhuti Yako
Bhengi yako ndeimwe yezvigadzirwa zvikuru zvingakubatsira kubudirira mune zvemari.
Iyo inokubvumira kuti iwe ugadzire hurongwa hwekushandisa kuitira kuti ugone kuisa mari yako nenzira iyo ichakubatsira iwe kusvika kune zvinangwa zvako.
Bhengi inokuita kuti usarudze kushandisa mari yako. Pasina urongwa, iwe unogona kushandisa mari yako pane zvinhu zvisingakoshi iwe, asi iwe unoda panguva iyoyo, uye oshamisika kuti nei usati wasvika pamatambudziko makuru awakazvigadzirira iwe pachako.
Zvinhu zvishoma kuti uchengetedze mupfungwa: Kunyange mushure mokunge musina chikwereti, iwe uchiri kuda kuva nebhajheji. Zviri nyore kushandisa zvakawanda kupfuura iwe, uye kana ukarega kutevera mari yako, unogona kudzokera kune chikwereti.
Kana iwe wakaroora, iwe newawakaroorana naye munoda kushanda pamwe chete pabhadharo. Izvi zvichakubatsira kuti uite zvinangwa zvako zvemari pamwechete pamwe nekudzivirira kurwa. Pasi apa pane dzimwe mazano kune vakaroorana vanoda kuumba bhadha pamwe chete:
Funga kuchinja kune vhupurupi yehutongwa hwemari inoshandisa mari yezvikamu zvakaoma.
Shandisa bhajeti software nefoni yefaira kuitira kuti iwe unogona kupinda kushandisa munguva chaiyo.
Kuronga mberi kunogonawo kukubatsira kuti urege kudzika kupfuura.
Buda Mudambudziko
Chikwereti ndicho chipingamupinyi chikuru chekuzadzisa zvinangwa zvako zvemari , saka kubvisa iyo inofanira kuva yekutanga.
Gadzira chikwereti chekugadzirisa hurongwa , izvo zvichakubatsira iwe kuripa nokukurumidza. Paunenge uchitora mari shoma pane chikwereti chako chose, unoisa mari yakawanda pane imwe chikwereti pane imwe nguva wozoendesa mari yose yauri kuripa pachikwereti chekutanga kune chikwereti chinotevera apo yekutanga yakabhadharwa, zvichiita "snowball effect."
Kana uchinge usiri chikwereti, iwe unoda kuzvipira kuti ugare kunze kwechikwereti. Rega kutakura makadhi ako ekwereti akakupoteredza, uye chengetedza chikamu chekukurumidza kuvhara mari dzisingatarisirwi kuitira kuti iwe usingadi kutendeukira kune kadhi rechikwereti kuti uvanze. Aya mazano anobatsira kubhadhara chikwereti nokukurumidza:
Kutengesa zvinhu kuti uwane mari yakawanda yekukandira purogiramu yako yekubhadhara chikwereti chako.
Basa rechipiri rinogona kubatsira kukurumidza kuita izvi uye zvingave zvakakosha kana iwe uchida kugadzirisa kusingaperi kumamiriro ako.
Tsvaga nzvimbo dzaunogona kuderedza bhajeti yako kuti uwedzere chikwereti chako.
Usave Uchitya Kubvunza Mazano
Kana iwe wakagadzirira kukura upfumi hwako uye kutanga kutora mari, unofanirwa kutaurirana nemari wezvemari kuti akubatsire kuita sarudzo yako yekuita mari.
Mutevedzeri akanaka achagovera njodzi dzinobatanidzwa mune rimwe rekutsvaga, nekukubatsira kuwana michina inofanana nehutano hwako huripo uchikubatsira kushanda kune zvinangwa zvako nekukurumidza sezvinobvira. Mumwe anoronga mari anogona kukubatsirawo nebhajheji yako, iyo imwewo pamwe.
Yeuka kuti kudyidzana inzira inogara kwenguva refu yekuvaka upfumi . Iwe unogona kuwanawo rubatsiro rwemari mune imwe nzvimbo.
Chechi yeruwa kana nzvimbo yemunharaunda inogona kunge ichipa zvidzidzo pamari yemari uye bhajeti. Dzimwe nguva, mabhandi nemakambani emakwereti anopa zvidzidzo, zvakare.
Iwe unogona kuwanawo mutungamiri uyo angada kukufamba iwe kuburikidza nebhajabi yako mwedzi mishoma yapfuura. Izvi zvinogona kukubatsira kana iwe uchinetseka nemari yako.
Kana vabereki vako kana nhengo dzemumhuri vakanaka nemari, funga kuvakumbira rubatsiro, kana kugara pasi uye kutaura navo pamusoro pezvakavabatsira ivo mune zvemari uye zvavakanga vaita zvakasiyana.
Yakavandudzwa naRachel Morgan Cautero .