Kukundwa nezvinangwa zvako zvekuchengetedza? Rongedza ivo
Pane zvikonzero zvakawanda zvekuchengetedza: iwe unogona kunge uchida motokari, imba yakakura, kana kuti uchi muItaly. Zvichida iwe unongoda kubhadhara chikwereti chako chemudzidzi uye uine basa rakanaka rekurega basa!
Kuponesa kunopfuura kudarika mari yakawanda sei pakaguma kwemwedzi. Ndicho chinhu chinonyanya kukosha mubhadharo yako.
Zvinosuruvarisa, vanhu vazhinji vanokanganwa kuisa zvinangwa zvavo zvekuchengeta mubhajheji yavo, kushandisa mari yavo yakawedzerwa panzvimbo.
Kana iwe uchida kutanga kuponesa uye kufambira mberi nechinangwa chako, bhasiro remashoko ekubhadharo richakubatsira iwe kutarisa zvinangwa zvako, kuenzanisa zvinangwa izvi nekuwanda kwezvaunogona kuita bhaari yekuchengetedza, uye kuisa mari yako mberi.
Ita Wakawanda KweSheti
Iwe unogona kushandisa shanduro iyi chete kuti utarise zvinangwa zvako, kana iwe unogona kuzvishandisa pamwe chete nedzimwe mabhizimisi emabasa ekugadzira bhajeti yakakwana .
Ndinokurudzira zvikuru kushandisa shanduro iyi pamwe chete nebhadharo remabasa ekubhadhara mari uye zvingada uye bhajiro remari rebhadharo rekushandisa mari .
Izvi zvichakupa maonero akajeka emari yako, uye kuva nepfungwa pamusoro pezviri kuitika nemari yako maererano nemari yekushandisa, kuchengetedza, nekuwana zvinokubatsira chete.
Govedza Mazano
Kuti uone kuti iwe unoda kuchengetedza humwe mwedzi ipi kune imwe chinangwa, chokutanga sarudza kuti ungada kuchengeta zvakadini. Zvadaro sarudza apo nguva yako yekupedzisira ichave iri.
Gurai chinangwa chako nekuwanda kwemwedzi kusvikira nguva yako yekupedzisira yekuona kuti unofanira kuchengetedza sei mwedzi mumwe nomumwe.
Somuenzaniso, kana iwe uchida kuva ne $ 12,000 akachengetwa muchato mukati megore rimwe chete, uchada kuchengetedza $ 1 000 pamwedzi. (12,000 yakakamurwa nemwedzi 12 = chiuru.)
Pakupera kwemwedzi, nyora pasi kuti iwe wakanyatsochengetedza sei, saka unogona kuzvienzanisa nezvinangwa zvako.
Nguva Yenguva Pfupi / Emergency Fund Zvinangwa
Iyi ndiyo mari yaunoda kuvimba nayo apo ngozi dzehupenyu dzinomuka.
| CHIMWE CHENYIKA | ZVINOKOSHA |
| Kugadzira gorosi / kugadzirisa | |
| Musha kugadzirisa s / kugadzirisa | |
| Kurwara kana Njodzi | |
| Muchiitiko cheKurambidzwa | |
| Cushion kudzivirira Overdrafts | |
| TOTAL |
Mid-Term-Not-Emergency Goals
Zvinangwa izvi zvinowanzowira mukati memakore gumi kusvika kune gumi.
| CHIMWE CHENYIKA | ZVINOKOSHA |
| Muchato | |
| Car Purchase | |
| Vacation | |
| Dzidzo | |
| Kuchengetedza Kwemusha | |
| Kudzokorora Kuno | |
| Holiday Gifts | |
| Misc. # 1 | |
| Misc. # 2 | |
| TOTAL |
Zvinangwa Zvenguva refu
Kune vamwe vanhu, zvinangwa izvi zvinogona kuva nenguva yekureba kwenguva refu kupfuura makore gumi, kunyange zvazvo iyo isiri iyo yevanhu vose. Rongedza zvinangwa izvi mukati memakore ekupedzisira sezvinodiwa.
| CHIMWE CHENYIKA | ZVINOKOSHA |
| Kurega basa | |
| Kutenga Imba Yechipiri | |
| Misc. # 1 | |
| Misc. # 2 | |
| TOTAL |
Wedzera zviyero zvako, uye uzvienzanise nemari yaunokwanisa kuchengeta. Iwe unogona kuwana nhamba iyi nekuzadza peji rekuwana uye yezvinodiwa pepa rekushandisa uye discretionary kushandisa purogiramu yebasa .
Kana zvinangwa zvako zvinodhura zvinopfuura mari yaungachengetedza, une zvinhu zvitatu:
- Dzvora mari yako
- Deredza kudhura kwezvinangwa zvako
- Wedzera nguva yekupedzisira yezvinangwa zvako
Kana mukana wako wekuchengeta uchidarika zvinangwa zvako, congratulations! Funga kuwedzera chinangwa chitsva kana kuchengetedza zvakawanda kuti uwedzere kufambira mberi kwako kune zvinangwa zvako zvino.
Nzira Yokushandisa Nayo Kuponesa Kwako
Imwe yenzira dzakanyanyisa yekugadzirisa mari yako ndeyekugadzira purogiramu yekutora .
Mabhengi akawanda, kunyanya mabhangi ari muIndaneti, anokubvumira kuva nemari yakawanda yekuchengetedza. Kana iyo isiri iyo yebhangi yako, kana kana iri dambudziko rokumisa, tarisa mune mamwe mabhanga ane izvi. Iwe unoda kuita kuponesa sezviri nyore sezvinobvira.
Gadzira maverengi akawanda ekuchengetera zvikwereti kune imwe neimwe yezvinangwa zvako. Semuenzaniso, iwe unogona kuva nekodha yemuchato, iyo yekubhadhara kambani, iyo yekugadzira motokari nhoroondo, nezvimwewo.
Kana imwe nguva nhoroondo idzi dzichigadzirirwa, iwe uchada kubatanidza kero yako yekuongorora chekuita kwavari. Kana nhoroondo idzi dzose dzine bhangi imwe chete, haufaniri kuita izvi, asi kana mari yako yekuchengetera iri kune rimwe bhangi rakasiyana, iwe. Iwe unowanzotumirwa kuti uite izvi paunenge uchigadzirisa zvinongotengeswa.
Kana kamwe chete zvese zvakagadzirirwa, shandisa nhamba kubva padhipa rekushandisa kuti uone mari yakawanda yaunofanira kuendesa kune imwe nhoroondo. Saka kana iwe uchida kuchengetedza $ 1 000 nokuda kwechato chako mwedzi wega wega, sarudza kuchinja kwekutsvaga kubva pakuongorora kwako kune chikwereti chako chemuchato kwe $ 1000 mwedzi.
Kana iwe uchida kuparadzanisa mari, iwe unogona kuita izvozvo, zvakare. Mazhinji mabhangi achakubvumira kuita vhiki nevhiki, bi-vhiki imwe neimwe, kaviri-mwedzi, kana kuwedzerwa pamwedzi.
Ita izvi nezvose zvako zvekuchengetedza zvikwereti kuitira kuti iwe uri kungozvipira iwe pachavo. Zvadaro, gara zvakare uponese!