Hungu, Kuenda Kushanda Mari Mari. Tsvaga Zvingani.
Iwe wakatotora maawa ako maawa. Iwe unoita $ 18 kana $ 25 kana $ 36 kana $ 52 neawa.
Asi iwe hausati wapera. Iye zvino unofanirwa kuverenga mari yako.
"Asi basa rangu rinonditsigira ini nokuda kwezvandinobhadhara pandinoenda kubasa."
Kwete, handizvo zvandinoreva. Ndiri kutaura kune zvisiri zvekubhadhara mari.
Mari yekushanda. Mari yekuchengeta basa rako.
Kuenzanisira mari yekushanda, regai titarise mhedzisiro yekufananidzira.
Mari Yekushanda Muenzaniso 1
Allison inoda kupfeka zvipfeko zvakanaka zvekushanda - kwete maitiro akafananidzwa, zvichida, asi "bhizimisi" senguo dzakadai semashiripiti, mapiritsi emapenseti, uye zvitsitsinho. Haaiwanzogadzika zvipfeko izvi kana asina basa iri.
Anotenga chinhu chitsva chekugadzirisa basa rake kamwe pamwedzi, pamutengo we $ 100. Anoshandisa $ 1,200 pagore pamashandi emabasa. Anoshandisa maawa matatu pamwedzi, kana maawa 36 pagore, anotenga zvipfeko zvebasa.
Allison anowirirana maoko nevatengi, saka misumari yake inoda kutarisa unyanzvi. Anowana manicures kaviri pamwedzi, pamutengo we $ 25 per manicure. Haaiti kazhinji kuita izvi kana asiri kushanda. Anoshandisa madhora 600 pagore pamusoro peizvi, uye zvinomutora mamwe maawa matatu pamwedzi kana mamwe maawa 36 pagore.
Anofambisawo maminitsi makumi maviri nemashanu kuti ashande uye nemaminitsi 25 zvakare, achishandisa maawa 4.16 pavhiki achienda.
Iko maawa makumi maviri nemaviri pagore, achitora mavhiki maviri ezororo. Anobhadharawo madhora makumi maviri nemaviri pavhiki, kana $ 1,250 pagore, pamafuta anotarisana zvakananga nekutengesa kwake mari.
Kupfeka-uye-kusvimha pamotokari yake kunomubhadhara imwe $ 400 pagore.
Allison anotenga zvokudya zvakawanda zviri nyore nokuti ari kushanda. Anoshandisa $ 20 pavhiki pane zvekutengesa , achienzanisa nemari yaanopedza kana asina kushanda uye ane nguva yekubika kubva pakutanga.
Ndiyo imwe $ 1 000 pagore.
Ari kumhanya mangwanani-ngwanani. Kazhinji anoedza kukwepa kofi kumba, asi kamwe pavhiki ari kumhanya uye anotenga $ 3 kofi. Ndiyo imwe $ 150 pagore.
Vana vake vaviri vari muchechi yechitatu uye yechina. Vanoenda kumapurogiramu echikoro kubva pa3 masikati, apo chikoro chinobuda, kusvikira 6 pm, apo Allison anouya kumba kubva kubasa. Vana vanonakidzwa nemapurogiramu epashure, uye ivo vanoda kutora chikamu mumapurogiramu pasinei nokuti Allison haasi kushanda here, saka iyo mari haina kutora. Inoramba ichingofanana.
Asi mumasikati, apo chikoro chiripo, Allison anoda kuisa vana vaviri mumusasa wezuva rezhizha. Izvi zvinodhura madhora 1 500 pamwana mumwechete wezhizha , kana $ 3,000 zvakakwana.
Pose, Allison anoshandisa $ 7 600 pagore pamari yekushanda. Anoshandisawo mamwe maawa 280 achienda uye anotenga mbatya dzebhizimisi.
Ndezvipi Zuva Raro?
Anowana $ 55,000 pagore pamwe chete ne3% yemutambo wekushumira, iyo inokwana $ 1,500. Bhizimisi rake rinotsigirwa nekambani yehutano, kana akaitenga pamusika, yaizobhadhara $ 250 pamwedzi, kana kuti $ 3,000 pagore, saka "chikwereti zvachose" chikwana $ 55,000 + $ 1,650 + $ 3,000, kana $ 59,650.
Anoshandisa $ 7 600 pamutengo wekushanda, saka iye "net" kuripa $ 52,050.
Anoshanda maawa makumi mana pavhiki, masvondo makumi mashanu pagore, pamwe chete anowedzera mamwe maawa 280 pagore achienda uye anotenga mbatya dzebhizimisi, kwemaawa maviri nema280 pagore.
Izvi zvinoreva kuti "chikwata chemaawa masikati" chiri $ 52,050 / 2,280 = $ 22.82 paawa.
Ngatiedzei mumwe muenzaniso unofungidzira.
Mari Yekushanda Muenzaniso 2
Bob anoda kupfeka zvipfeko, mabhanhire, uye shangu dzinopenya kuti ashande. Sutu imwe neimwe inomutora $ 300. Ane zvake anenge masuo, uye anotsiva rimwe chete pagore sezvavanopera simba kana kuti vanorwara.
Anotengawo mabhanhire matanhatu, mabhanhire maviri, masokisi akasiyana-siyana, shangu imwechete uye shangu mbiri itsva gore roga roga, zvekuwedzera kwemwedzi we $ 400. Izvozvo zvinoreva kuti anoshandisa $ 700 pagore pamapfekete emabhizimusi. Anopedza maawa gumi pagore kutenga mabhizimisi mabhizimusi.
Anodawo kutora masuo ake akaoma-akacheneswa. Izvi zvinodhura imwe $ 40 pamwedzi, kana $ 480 pagore.
Anopedza maminitsi makumi matatu pamwedzi (maawa matanhatu pagore) achidonha uye achichera kuchenesa.
Anotarisirwa kuratidzira mumotokari yakatarisa paanenge achienda kunosangana nevatengi, saka anowana motokari yake inoshambwa vhiki nevhiki. Kana iye asiri kushanda, kazhinji haazomboiti izvozvo. Vhiki yevhiki yekushambidza motokari inodhura madhora mashanu, nokuda kwe $ 250 pagore.
Bob dzimwe nguva anotora masikati kubva kune imwe nzvimbo inokurumidza kudya kana achikanganwa kuuya nemasikati kuti ashande. Anoita izvi kaviri pavhiki, pa $ 7 masikati, kwema $ 700 pagore.
Ane maminitsi makumi mana nemakumi mashanu kubva kumativi ose. Achifunga nezvekugara kwevhiki mbiri, anoshandisa maawa 375 pagore achienda. Anobhadhara madhora mazana mana emotokari kupfeka-uye-kusvimha uye $ 2 500 pane petrol gore negore mukuenda mari.
Pose, mari yaBob yekushanda iri $ 5 430 pagore.
Anoita zvakaenzana neAllison - $ 55,000 pagore ne 3% yemutambo wekushumira pamwe nekambani yehutano inshuwarheni iyo inogona kutora madhora 250 pamwedzi kana akaitenga semurongwa wega. Icho chikwereti chemari ye $ 59,650.
Asi mubhadharo wake we "net", kunyange zvakadaro, ndeye $ 54,220. Anoshandisa maawa 391 pagore achienda, achidonha-akachenesa uye achitsvaga mabhizimisi.
Achifunga kuti anoshandawo kwemaawa makumi mana evhiki, maawa ake ega yega $ 22.67. Kana akashanda kwemaawa makumi maviri nemasere, purogiramu yake yeawa yega iri $ 20.53. Uye kana akashanda maawa makumi mashanu pavhiki, chiyero chake chiri $ 18.75 neawa.
The Bottom Line
Nguva dzose kuverenga mari yako yekushanda. Shandisa izvi semutsara webhajeti yako.
Zvechokwadi, iwe unogona nguva dzose kutsvaka nzira dzokuderedza mari yako yekushanda. Iwe unogona kupika kuti utore masikati kuti uite basa zuva nezuva. Iwe unogona kumira kutenga kofi kunze. Unogona kutarisa mbatya dzebhizimisi dzinodhura.
Asi zvimwe zvinodhura, sekuendesa mari uye kuchengetwa kwevana, hazvizogadziriswi. Unogona kusarudza kubvisa mari idzi kubva pane "mari" yako paunoita bhajeti yako.