Kushandura nekadhi rako rechikwere kuri nyore. Iwe unofamba uchienda muchitoro, uchida kuita chinhu chimwe chete, uye usati wazviziva, wapedza nguva 10 zvawakaronga. Kutarisana nemigumisiro yekudarika kwepamusoro hakusi kunakidza nekupi zvako kwekufungidzira. Kushanyira kunotungamirira kune zviyero zvakakura zvinogona kukuvadza chikwereti chako chikoro , kuita kuti zvive zvakaoma uye zvinodhura kubhadhara chikwereti chako, uye kukuita iwe chikwereti.
Mushure mokunge wanyanyisa kudarika, unofanirwa kutarisana neicho chezvinhu zvawakapedza uye uchinje kushandisa mari yako kuti uite nokuda kwekunyadzisa kwako.
Nhau dzakanaka iwe unenge uine chizere chakakwana pamusoro pekushandisa kwekadhi rako rechikwereti uye nemamwe mazano, unogona kudzivisa overspending.
Usakanganwa Kuti Unofanira Kuripa Izvo
Ne makadhi emakwereti, pane kukanganiswa kwakadaro pakati pekutenga kwako uye chaizvoizvo kubhadhara kutenga kwako kwausingazivi kuti iwe uri kushandisa mari. Iwe haunzwi kurwadziwa kwekutenga nenzira yaunoda kana iwe ukashandisa mari, iyo ndeimwe yezvikonzero izvo vanhu vanowanzokweretesa nekadhi kadhikiti.
Iyi tsika yakaratidzwa muchidzidzo che2001 chakaitwa naDrazen Prelec naDuncan Simester weMIT's Sloan School of Management. Chidzidzo chacho chakawana kuti zvikamu zvakada kubhadhara zvimwe zvekutenga, kunyanya matikiti kumutambo webhasika, pavakashandisa kadhi rechikwereti pane mari.
Panewo chimwe chekuti ini handizivi nezvikwereti zvinokonzera kushandiswa. Muma1980, ruzhinji rwekuedza kwakaitwa naRichard Feinberg rwakaratidza kuti kuvapo kwemakadhi emakadhi echikwereti kwakakurudzira vatengi kushandisa mari yakawanda. Zvakafanana nelogos yaiva chinetso chekushandisa mari, yakafanana nenzira iyo imbwa dzaPavlov dzakatanga kutarisira zvokudya paainzwa bhero.
Dzivisa kufunga nezvekadhi rako rechikwereti semari isina mari, uchiyeuka kuti iwe uchafanira kudzorera zvose zvaunotenga. Ita kuti iwe uzvidavirire pane zvaunoshandisa pane yako kadhi rechikwereti, kupedza sekunge iwe uri kunyanya kushandisa mari.
Funga Nezvaunofunga Nemaoko Ako Kwete Hauna Kukwereta
Kana wakakwanisa kubhadhara chikwereti chako zvakanaka uye une mari yakanaka, kadhi yako yekwereti yekwereti ichakupa mubayiro wekwereti chikwereti chikuru. Iwe haufaniri kushandisa mari yako yose iripo nemhaka yokuti iripo. (Kushandisa chikwereti chakawandisa kunogona kukukanganisa kero yako yechikwereti.) Kunyange zvazvo chikwereti chiripo chiripo chinowedzera simba rako rekushandisa, kuva nechikwereti chikuru chekwereti hachisi chakafanana nekuva nemari yakawanda mubhangi.
Sezvo uchibhadhara chikwereti chako chakakwana ndiyo nzira yakanakisisa yekudzivisa kupinda mune chikwereti chakawanda, rega bhadha yako ikozvino inokurudzira mari yaunopedza. Ita wega mari yako yekushandisa mari yemari yekukweretesa inoshandiswa kubva pane zvaunowana uye zvimwe zvinoshandiswa, kwete chete pamutengo wako wechikwereti. Chengetedza chikwereti chako chekwereti , kwete chechikwereti chako chiripo, kuti uve nechokwadi kuti hausi kupfuurira kushandisa mari yawakasarudza kubva pane zvaunogona kubhadhara.
Iwe unogona kukumbira chikwereti chako chekwereti chikwereti kuderedza chikwereti chako chekwereti kana iwe iwe uchakubatsira iwe kuchengeta mari yako yekadhi yekwereti.
Iva Akangwarira Juggling Multiple Credit Cards
Kazhinji kutaura, makadhi akawanda emakwereti, iwe zviri nyore kudhura. Makadhi emakadhi emakadhi anowedzera mari yekwereti inowanikwa kwauri nemamwe mikana yekushandisa. Makadhi emakadhi emakadhi anorevawo kuti unofanira kutarisa zviyero pakati pemakadhi ekwereti uye tora kungwarira nekuchengeta zviyero zvako zvakabatana mukati memari yako yekushandisa.
Zvakaoma kutaura kuti mangani emakadhi emakadhi akawanda , asi kune vanhu vakawanda, imwe kadhi rechikwereti rakakwana. Paunoedzwa kuti uzarure kadhi kadhi rechikwereti, funga kuti sei iwe uchifarira. Ndizvo here kuti uwedzere zvimwe zvinowanikwa, kuti uchengete zviri nani mari yako, kana uri kutsvaga nzira dzokushandisa mari yakawanda?
Siya Manzwiro Ako kunze Kwayo
Chidzidzo cha2008 "Kushungurudzwa Hakusi Utsinye: Vanhu Vakasuruvara uye Vanozvimirira Vanoshandisa Zvakawanda" vakaratidza kuti vatengi vanopedza zvakawanda kana vakasuruvara.
Muchidzidzo chakabhadharwa neNational Science Foundation, zvidzidzo zvakaratidzwa sechisimba chakanyanya kana kuti neutral clip. Kutevera chikamu nyaya dzakabvumirwa kutenga. Avo avo vakaratidzwa chikamu chakashata vakanga vachida kubhadhara kanopfuura kaviri pane zvekutenga kwavo. Zvinotoneka kuti vatori vechikamu vakanga vasingazivi kuti maitiro avo ezvido zvakakanganisa sei mari yavo yekuita zvisarudzo.
Kushungurudzika, kusuruvara, kutsamwa, godo, uye kusuruvara zvinogona kutungamirira kudarika. Kana iwe wakatsamwirwa, dzokazve marwendo ekutengesa kusvikira iwe uri mukanhu huri nani kuitira kuti manzwiro ako asaita kuti iwe uwedzere kudarika.
Shandisa Kadhi Yako Cheko Chete Nezvinhu Zvaungadai Wakatenga Zvimwe
Mutemo uyu hauna kushandiswa kwevashandi vakawanda vekadhi rechikwereti. Vanhu vanowanzofunga kuti makadhi emarikiti ndeyekutenga zvinhu zvavasingagoni kuwana. Ichi ndicho chimwe chezvikonzero zvekuti vanhu vazhinji vari mune chikwereti pamusoro pemisoro yavo - vakashandisa makadhi emakadhi kuti vawedzere simba ravo rekutenga. Shandisa kadhi rako rechikwereti kutenga kwaunenge waita, kwete nekuda kwezvinhu zvausingawanzozvitenga nokuti hauna kukwanisa kuzvitenga.
Rega Zvido Zvako Zvemari Zvitungamirire Zvaunoshandisa Kutenga Zvisarudzo
Kushandura kunenge kuchida nguva dzose kukudzivirira kubva kune zvinangwa zvemari yako. Izvo zvinogona kunge zvisingave zvakananga kana kuti zvinoonekwa zvino, asi kunyanya kudarika zvakanyanya kuchaita kuti iwe ufambire mberi kusvika kune zvinangwa zvekubhadhara chikwereti, kuvaka sarudzo, kana kubvisa kare. Funga pamusoro pekuda kwaunenge uine mari mune 5, 10, 15 nemakore 25 anotevera. Sezvaunotarisana nekupedza zvisarudzo, funga kana zvisarudzo zvako zvingakubatsira iwe kusvika kune zvinangwa zvako zvemari.
Siya Makadhi Ako Pamba
Kwete kadhi rechikwereti, kwete kushandiswa, zvakarurama? Kuda kwako kunogona kunge kusina simba zvakakwana kukurira vatengesi 'mamiriyoni madhora ekudhinda maitiro. Takura kadhi rako rekwereti chete apo uri kutenga kune chinangwa chakanaka-kutenga zvidyo (neine urongwa) kana kutenga chinhu chitsva chekushandisa. Kana zvisina kudaro, iwe unotambura kushandisa kadhi rako rechikwereti kuti uwane mari isingatarisirwi.
Kana iwe uchinge wakatarisana nekadhi rechikwereti kudarika, unofanirwa kutora mamiriro ezvinhu. Isa kadhi rako rechikwereti kubva kure kusvikira iwe uchingokwanisa kururamiswa nemari yako yekushandisa mari yekadhi. Ichi ndicho chinhu chakanaka chaunofanira kuita kuti udzivirire chikwereti chako uye nguva yako yemari inomanikidzira kushandisa chete mari nemadhikiti ekubetsera achakubatsira kuti usapinda matambudziko anouya kubva kudarika kune chikwereti.