Buda muDhaka uye Ugare kunze
Kukwereta inzira yeupenyu kune vakawanda vashandi. Zvikwereti uye zvikwereti zvevadzidzi, zvinowanzoonekwa se "chikwereti chakanaka" zvinogona kutora chikamu chikuru chemari yako yemwedzi.
Wedzera kadhi rechikwereti chikwereti uye chikwereti chemotokari mutsva pamusangano wemakore mashomanana, uye iwe unogona kupinda nyore pamusoro pemusoro wako. Payday zvikwereti uye zvimwe zvikwereti zvinotyisa zvinenge zvakatenderwa kutungamirira kune chikwereti.
Chii Chikwereti Chechikwereti?
Chikwereti chikwereti chinoramba chichikwereta chinotungamirira kuwedzerwa chikwereti, kuwedzera mari, uye pakupedzisira kusagadzikana. Paunopedza zvakawanda kupfuura zvaunoita, unoenda mune chikwereti. Pane imwe nguva, mari inofarira inenge yakakosha mari yemwedzi, uye chikwereti chako chinowedzera nekukurumidza. Unogona kutora chikwereti kuti ubhadhara chikwereti chiripo kana kuti uchengetedze zvikwereti zvako zvishoma.
Dzimwe nguva zvinonzwisisika kuwana chikwereti chitsva chinobhadhara chikwereti chiripo. Kudyidzana kwematokari kunogona kukubatsira kupedza zvishomanana pane zvekufarira nekuita nyore mari yako. Asi kana iwe uchida kutenga chikwereti kuti uchengetedze (kana kuti uwane mari yako ikozvino kushandiswa, kunze kwekutsvaga mari yekusamirwa kwemazuva anotevera semari uye pfuma), zvinhu zvinotanga kugadzikana.
Nzira Yokubuda Nayo Kubhadhara Chikwereti
Nhanho yekutanga yekubuda muchikwereti chikamu chikwata kuziva kuti une chikwereti chakawanda. Hapana kutongwa kwakakodzera - zvakapfuura zvapfuura. Ingotora maonero chaiwo emamiriro ezvinhu kuitira kuti utange kutora matanho.
Kunyange kana iwe uchikwanise kutenga yako yose yemwedzi wemari chikwereti, iwe uri kuzvivhara iwe mararamiro ako aripo nekugara mune chikwereti.
Kusiya basa rako kumhuri, kushandura mabasa, kubvisa rimwe zuva, kana kuenda kune imwe nyika kunze kwebasa kuchava pedyo nekutadza kana uchida kuchengetedza chikwereti ichocho. Kana uchinge waziva kuti iwe unoda kubhadhara chikwereti, tanga kushanda pakugadzirisa matanho.
Kunzwisisa mari yako: unofanirwa kunyatsoziva paunomira. Iwe unounza mari yakawanda sei mwedzi woga woga, uye mari yose iripi? Zvakakosha kuti uone zvose zvaunoshandisa, saka ita chero zvaunoda kuti zviitike. Iwe chete unoda kuita izvi mwedzi kana maviri kuti uwane ruzivo rwakanaka. Mamwe mazano ekutevera zvaunoshandisa zvinosanganisira:
- Shandisa nekodhi kana kadhi yebhengi kuitira kuti iwe uwane rekodhi yemagetsi yezvinhu zvose zvekutengesa
- Takura kanyorwa uye nyora newe
- Ramba (kana kuti uite) risiti yemari yose
- Ita urongwa hwemagetsi mune imwe rugwaro runyorwa kana pepafurasi
Kunyanya kana iwe uchibhadhara zvikwereti paIndaneti , enda nemabhuku ako ebhangi uye mabhiriji ekadhi rechikwereti kwemwedzi inoverengeka kuti uone kuti iwe unosanganisira zvisina kukwana mari, yakadai sekubhadhara kwegore kana gore. Shandisa mari yako pasi pegore negore kuitira kuti urege kushamisika.
Gadzira "hurongwa hwekushandisa:" zvino zvaunoziva kuti iwe unokwanisa sei kushandisa (yako mari) uye kuti waive uchishandisa mari yakawanda, ita bhajeti iwe unogona kugara nawo.
Tanga nezvose zvaunoita "zvido" zvakadai seimba uye zvekudya. Zvadaro tarisa zvimwe zvinoshandiswa, uye ona zvinokodzera. Zvakanaka, iwe unenge uine bhajamiro yezvinangwa zvehupenyu uye uzvishandise iwe pakutanga , asi kubvisa chikwereti kungave chinhu chinonyanya kukosha. Zvinosuruvarisa, izvi zvingave pane iwe unoda kuita zvimwe zvisingafadzi. Tsvaga nzira dzekushandisa zvishomanana pane zvekutengesa, kubvisa kabheji, kuwana purogiramu shoma yefoni, fambisa bhasikoro rako kuenda kushanda, uye nezvimwe. Iyi ndiyo danho rokutanga mukurarama pasi pezvinhu zvako.
Viga makadhi echikwereti: Makadhi echikwereti haasi akaipa (chaizvoizvo, akakura kana iwe uchibhadhara pamwedzi mumwe nomumwe), asi vanoita kuti zvive nyore kwazvo kupinda mune chikwereti chemhepo. Iko mari yepamusoro yemari pamakadhi akawanda inoreva kuti iwe uchabhadhara zvakawanda pane chero chinhu chaunotenga, uye kubhadhara zvishoma zvinoratidzwa kuti uunza dambudziko . Ita chero zvingaita kuti urege kuishandisa-uzvidzire, uzviise mumudziyo wemvura mufriji, kana chero.
Kana iwe uchida zviri nyore (uye zvinotevera) yekushandisa nemapurasitiki, shandisa kadi ye debit yakabatanidzwa neongororo yako yekutarisa kana kadi yebhadhiro yakabhadharwa isingakubvumiri kukwereta chikwereti.
Shandura maitiro ako zvishoma nezvishoma: zvakakosha kuwana avo "mahombekombe makuru" sekudzikisa motokari yako kana kubvisa mari inodhura cable service. Asi zvishoma kuchinja nyaya zvakare. Zvichida iwe unobata kudya kwemasikati pamwe nevashandi nguva shoma pavhiki, unakidzwa kudya kunze kwevhiki, uye kuda kushandisa mari pamakonti nemitambo yemabhora. Kunyange zvazvo hakuna imwe yemitadzo iyi yakaipa , inogona kuparadza bhajeti yako. Kana iwe wakanyanyisa nezvekubuda mune chikwereti, unofanira kuchinja tsika dzako zvishoma nezvishoma. Tanga zvishoma nekuita kofi yako pamba nekuunza kudya kwako kwemasikati kuti uende uye kubva ipapo.
Dzvora mari yako yokukwereta: zvinokuvadza kuwana mimwe chikwereti, asi chikwereti chekupedzisira chingangodaro. Kana iwe uine chikwereti chekwereti chikwereti pamitengo yepamusoro, iwe unogona kunge usina kuvhara mari inofarira mwedzi woga woga - kunyange nekubhadhara kukuru. Kubatanidza chikwereti nekodzero yakakodzera kunogona kubatsira zvakawanda zvemadhora ose kuenda kune kukwereta chikwereti. Asi iwe unoda kurangwa - kana iwe uchibhadhara chikwereti (kana, kunyanya, kutamisa chikwereti), iwe haugoni kupedza pamakadhi iwayo zvakare. Chikwereti chekubhadhara chikwereti chekwereti ndedzimwe nzira yekuwana chikwereti chiduku kwenguva pfupi - kungotarisa kuti kuguma kwekutsvaga kwenguva - uye vatengesi vepaIndaneti vanopa mari yekukwikwidzana pamitengo yechiremba kwenguva refu.
Sarudza basa renguva yakazara: zvichienderana nemari yakawanda yaunayo, basa rebasa rimwechete kana kuti rutivi rwomukati rungave rwakarongeka. Kuchera mashizha, pet-kugara pamagumo ekupera kwevhiki, uye gigs muhuwandu hwekugovana mune zvese zvakanaka. Nguva yepamusoro pabasa rako razvino raizobatsira, kunyanya panguva-uye-hafu kubhadhara. Chero chipi zvacho chaunogona kuita chinogona kuiswa kune chikwereti chako kuti ubatsire kukurumidza kubhadhara mari yako.
Kudzivisa Chikwereti
Kudzivisa chikwereti munzvimbo yekutanga kune nyore kupfuura kuzvivhara kunze kwegomba. Kana uchinge wakasimba mune zvemari, ramba wakarangwa. Nezviziviso zvakakandwa muhupenyu hwako kose-kose kubva paredhiyo kusvika pane yako Instagram feed, pamwe nekumanikidzwa kwe "kuchengeta pamwe neJeses," kudzivisa chikwereti hakusi nyore.
Urarame pasi apa zvaunogona: nokuti bedzi iwe unogona kuzviwana hazvirevi kuti ndizvo zvakanaka. Kutenga imba iwe unogona kutenga nyore nyore , kwete imwe iwe unofunga kuti iwe uchakwanisa kutenga mumakore mashanu. Shandisa nokungwarira uye tora nzira yekuchengetedza nzira yaunoshandisa nayo mari. Kurarama pasi pezvinhu zvako zvinokugadzirisa kuti uwane kubudirira mune zvemari ikozvino uye gare gare muupenyu. Kunyanya zvinoreva kuderedza kushungurudzika kana hupenyu hunokukandira iwe muchengeti wekombera.
Usatenga zvakanyanya kubvumidzwa: pamwe nemitsara yakafanana, yeuka kuti vateresi havafariri zvakanakisisa pamwoyo. Vanhu vanotora chikwereti vanowanzopa mari yakawanda yekutenga pamusha inobva pachikwereti chenyu chekuwana mari - asi iwe unogona (uye kazhinji unofanira) kushandisa mari shoma. Vatengesi vekutsvaga vanofarira kutaura maererano nemitemo yakawanda yekubhadhara pamwedzi, asi iyo haisi nzira yakarurama yekusarudza motokari.
Usakwereta nezvikwereti zvemakadhi: kunze kwekuti iwe unogona kubhadhara kadhi rako rechikwereti zvakakwana mwedzi wose, haufaniri kushandisa imwe. Kazhinji kacho kwete, makadhi ekwereti anotungamirira kumari yakawandisa nokuti iwe hausi "kunzwa" mari iri kushandiswa. Ita bhajeti uye shandisa mari kana kadhi yebhadhiro kusvikira uchinakidzwa nemari yako. Iwe unogona nguva dzose kudzokera kune chikwereti makadhi ekudzivirirwa kwevatengi nemubairo mushure mokunge musina chikwereti.
Chengetedza zvinokurumidza: dzimwe nguva vanhu vanopedzisira vari mune chikwereti nekuda kwemamiriro asingatarisirwi - kwete kushandiswa kwezuva nezuva. Kunyange zvazvo chikwereti ichocho chisingagoni kudzivirirwa, mumamiriro akawanda ezvinhu zvingadai zvakadziviswa nekuchengetedza mberi kwezvinhu zvinokurumidza uye mari dzisingatarisirwi. Tanga mari yekukurumidzira pakarepo , uye edza kuivaka kusvika kumwedzi mitatu kusvika kumitanhatu yehupenyu hwemari.
Cherechedza: Sarah Brooks akaita zvipo zvakakosha munyaya ino.