Inoshungurudzwa nemafungiro ekugadzirisa bhajeti? Iyi mitemo inonyorera nzira
Kana iwe uchida kubhadhara, ndine mamwe makuru makuru. Mari yako yebhajho haifaniri kutarisa pane zvishoma zvido. Iyo haifaniri 15 mapoka akasiyana.
Uyezve, haifaniri kunge yakagadzirirwa zvakapoteredza kubviswa .
Iwe unogona kuzvibvumira zvishoma zvomufaro mukati mechirevo chebhadha yako yose. Zvechokwadi, kana iwe usingadi shoko rebhajhoti , wozoisa panzvimbo yacho nemafungiro ekuti iwe uri kusika urongwa kana gwara remigwagwa pamusoro pekuti iwe uchashandisa sei mari yako.
Iwe waisazoendesa kubva kuBoston kuenda kuSan Francisco usingashandisi mapu kana imwe nzira yekufamba, iwe iwe? Zvadaro ungazofambisa sei mari yako usingashandisi imwe nzira yemugwagwa?
Iwe uri mubhokisi rine bhajeti zvino? Heano mazano mashanu mazano aunogona kutevera apo iwe wakaisa pamwe bhadha yako yekutanga :
Zvishoma zvakawanda
Chikanganiso chinowanzoitwa rookie ndechokuti uwedzere bhajeti yako nekusingaperi. Iwe haufaniri kuisa mari yakawanda yaunoshandisa paisil polish, nevhudzi, pane petrol, pamabhadharo emagazini, kana pamasokisi matsva. Hapana anodikanwa nehuwandu hwemashoko. Izvo zvikamu zvishomanana, zviri nani.
Pamugumo wakareba wekunyanya, bhajeti yako inogona kunge yakaita sekiviri kana matatu.
Izvo zvinorwisa bhajeti kana bhajeti 50/30/20 inoshanda zviri nani nechepasi. Chikamu chikamu chebato chinoshanda zvakanaka, zvakare.
Iva Ichokwadi
Kana iwe zvino uri kushandisa $ 400 pamwedzi pane zvekutengesa, usafungidzira kuti mwedzi wakatevera iwe uchakwanisa kuputsa izvi kusvika ku $ 100 pamwedzi.
Pane kudaro, sarudza zvinowedzera zvinangwa. Kana ukashandisa $ 400 pane zvekudya mwedzi uno, edza kushandisa 5-10% pasi mwedzi unotevera.
Izvi zvinoguma mukupedza pakati pe $ 360 kusvika ku $ 380 pane zvekudya.
Ita izvozvo kwemwedzi kana maviri uye wozogadzirisa mberi kubva ipapo. Pakupedzisira, iwe uchasvika $ 300 mark. Kudukuka kwekuwedzera kudarika kwenguva kunowedzera.
Usazvishongedza Kuti Ushandise Mafashoni Akanguva
Vanhu vakawanda vanotendeukira kune software kana mapurogiramu kuti vatarise mari yavo. Kana izvi zvikauya zvakasununguka kwauri uye iwe unofarira zvishandiso izvi, izvo zvinonakidza. Asi usatya kushandisa mapepa akare uye mapeni kana ndizvo zvaunoda.
Hapana nzira yakarurama kana isina kururama yekushandisa bhajeti yako. Chinokosha ndechokuti uwane chero chii chinoshanda kwauri, pasinei nokuti iyo iri purogiramu, spreadsheet, kana peniki nemaapuripu.
Tanga Kutaurirana Kwemhuri Yevhiki
Iwe pachako hausi iye oga munhu anoshandisa uye anoponesa mukati memba yako. Rongedza misangano yevhiki nevhiki nemhuri yako kusanganisira munhu wese muzvisarudzo zvaunoita nemari yako.
Dzokorora zvinangwa zvako zvepamusoro, zvakadai sekuvaka chikamu chekutsvaga kana kukurumidza kubvisa mari yako yekubvisa mari. Taura nezve "nei" mushure mekushandisa mari yose kusarudza, zvakare.
Mhuri yako ingasada kuda kwekuti uri kutenga motokari inodhura, yakashandiswa panzvimbo yeiyo yakagadzirwa. Zvisinei, ivo vachanzwisisa chisarudzo ichi kana chakanyatsogadziriswa mumamiriro ezvinhu ekugadzira mupiro mukuru kune chikoro chekuchengetedza chikoro chemwana wako.
Rongedza Budget Yenyu Mwedzi Woga Woga
Zvechokwadi, bhajeti yako ichava nemitambo miviri: mari yaunoda kushandisa mwedzi woga woga, uye mari yaunoshandisa.
Sezvaunoongorora bhajeti yako mwedzi wega wega, unocherechedza kuti chokwadi chinokanganiswa sei kubva pane zvakarongwa zvakanakisisa. Paunoona migumisiro yemari yako, iwe uchaziva kuti nzvimbo yako dambudziko chii. Ongorora zviitiko izvi uye uite kugadzirisa maererano.
Pandakatanga bhadhaji, ndakaona kuti ndaipedza mari yakawanda ku Target uye kuAmazon kudarika zvandakanga ndaona. Ndichionga nekuongorora mari yangu, ndakanyanya kuva nehanya nekutenga. Izvo zvisati zvaitika, ndakanga ndisingakwanisi kufamba muTarget ndisati ndapukunyuka zvishoma $ 50 varombo. Mazuva ano, ini ndinogona kufamba nyore nyore kune Target, kubata chimwe chinhu, uye kubva. Chikonzero chete chandinogona kuita izvi ndechokuti bhajeti yakaunza nyaya iyi kwandiri.
Chinonyanya kukosha, iwe unofanirwa kuchengeta mafungiro ekuzvikudza. Kunyangwe iwe iwe chete uchinge uita humwe hudiki huri nani humwe humwe mwedzi, humwe huri nani huchawedzera kune hupenyu hwehupenyu hwekufamba kwenguva.