Shandisa iri pepa rekushandisa kuti uone kuti iwe unopedza mari yakawanda sei mukuseka
Uye iyo ndiyo crux ye discretionary kushandisa bhajeti - inongova yakakura semari yaunowana kuti uibhadhara mari yacho.
Nzira Yokushandisa Nayo Pepa Rokushanda
Iwe unogona kushandisa peji rino rega pachako kuti uwane pfungwa yekuti iwe unopedza mari yakawanda sei pahurukuro yekufunga. Iwe unogona kuishandisa zvakare pamwe chete nemamwe mabhizimisi emabasa ekugadzira bhajeti yakakwana.
Kucheka Kudzoka paDiscretionary Kupera
Discretionary mari inowanzoti iwe unogona kurarama kunze kwekuti kana kusundidzira kwasvika, saka sarudzo ino ine zvikwereti zviri nyore kugura. Ichokwadi, izvozvo zvinogona kuva nyaya yemunhu pachake. Vamwe vanhu vanozviona zvakaoma kufungidzira kuti zvimwe zvezvinhu izvi-zvakadai sedhevhizheni neterevhizheni yemusha - ndeye "discretionary." Asi kana iwe uchifunga pamusoro pazvo, hazvina kukosha kuti tipone, pasinei nokuti tingada sei TV yedu inoratidza kana Facebook mitambo.
Yakawanda yebhajimhini inokonzerwa nehuwandu inowanikwa mukati memusangano. Zvichida iwe hauna kumbofungisisa nezvehuwandu hwehutano hwako hwekubata huri kukubhadhara iwe kana kuti waive uchishandisa mari yakawanda sei mumaresitorendi.
Kana uri kuedza kuchengetedza mari kana kuziva kuti sei mari yako yose yaenda kumagumo emwedzi woga woga, tarisa paunoda mari yako. Izvi ndizvo zvinhu zvokutanga zvinofanira kuendeswa kana uchida kuderedza mari yako.
Mienzaniso yekudhura kwekufunga
Heino urongwa hwevamwe vanozivikanwa zvinowanikwa zvinhu.
Pinda zvaunofunga kuti uri kushandisa mavari mukati mekomba, uye enda mumwedzi mako ekupedzisira ebhengi uye zvinyorwa zvekadhi rechikwereti uye inyore kuti unopedza mari yakawanda sei pamwedzi wega wega. Kana iwe pachako uchishandisa mari, iwe uchafanira kutsaurira mwedzi kana maviri kuti uchengete risiti yako kutanga.
| DISCRETIONARY EXPENSE | MUMWE MUTEMO | ZVINOKOSHA |
| Mutambo kana Satellite TV | ||
| Internet | ||
| Kudya - Zvokudya | ||
| Zvokudya Zvokutsanya / Zvisasa Zvokudya | ||
| Nguo | ||
| Gym / Fitness Club | ||
| Beauty Products | ||
| Zvinyorwa (magazini, Netflix, nezvimwewo) | ||
| Professional / Club inobatsira | ||
| Kuzvivaraidza uye Mitambo | ||
| Zvidzidzo (Music, Art, etc.) | ||
| Mazororo uye Zvipo | ||
| Chakanaka Zvipo | ||
| Misc # 1 | ||
| Misc # 2 | ||
| TOTAL |
Kana iyi yekushandisa kushandiswa kwemashandisirwo ega ndiro bhajeti chete rauri kushandisa, iwe unofanira kunge uine pfungwa yakanaka yekuti uri kushandisa mari yako "yakawedzera". Shandisa urongwa uhwu kuti uite mazano pamusoro pekukwanisa kuderedza mubhajheji yako kana zvichidiwa.
Edza kushandisa izvi pamwe chete nebasa rekubhadhara mari uye zvinodiwa mari kuitira kuti ugone kuunza bhajeti yakakwana.
Icho Chiitiko Chinotevera Kuti Uwane Budget Yakazara
Kana iwe wakashandisa mari yekubhadhara uye yezvinodiwa mari yekushandura, iwe zvino unogona kuwedzera yako yakagadziridzwa uye yakakwana.
| MUMWE MUTEMO | ZVINOKOSHA |
| Mari Yese Inoshandiswa (Necessary + Discretionary) | |
| Nheyo Yose | |
| Kusiyana |
Kana iwe ukashandisa zvakawanda kupfuura zvaunowana, iwe uchada kugadzirisa bhadha yako pakarepo. Iwe uri pangozi yekupinda mune chikwereti kana kuwedzera chikwereti chako. Kana iwe uchiwana zvakawanda kupfuura iwe wapedza, unofara.