Iwe unogona kunge wakanzwa mazwi akadai semari, mari yakawanda, mari yakagadziriswa , kubhadhara kumusha, pamwe nemari inoshandiswa. Asi iwe unonyatsoziva here kuti rimwe nerimwe rinorevei, zvose mukutaura uye mune zvehutano hwako? Uye kana iwe usingaiti, unogona sei kufambira mberi nebhajari chaiyo mupfungwa? Tinoputsa izvo zvinonyatsofungidzirwa kuti zvinokonzerwa nemari-uye zvisiri-pasi.
Chii Chisingabviri Kuwana?
Kuzviisa pachena, mari inoshandiswa ndiyo mari yawakasiya kubva mubhadharo yako mushure mekunge iwe wakabhadhara federal, nyika, uye mitero yemunharaunda.
Inonziwo mari yakawandisa, kana kuti mari inoshandiswa yakawanikwa (DPI).
Mari inoshandiswa inewo kukosha kwezvemari. Handizvo chete chimwe chezvinhu zvakakosha zvekushandiswa kwevatengi, ihwowo ndewumwe wezvishanu zvinoshandiswa zvekutsvaga . Kana iwe uchida kambani Econ 101 yekuvandudza (handizvo isu tose?), Chido ndechekuti "mari yakawanda sei uye maitirwo anotengwa pamitambo yakasiyana-siyana panguva imwe nguva." Muchidimbu, mari yakawanda inogadziriswa mumwe munhu anogadzira ( pakati pezvimwe zvikonzero) mari yakawanda inoshandisa pazvinhu nemabasa.
Ndezvipi Zvisingafungi Kuti Ndezvipo Zvisingakoshi?
Asi usashandise mari yako yose inogona kuwanikwa chete ikozvino. Mari inoshandiswa haisi yekuvhiringidzika nekunzwisisa mari. Discretionary mari inotora danho rinopfuurira: ndizvo zvawakasiyira kwete mushure mekunge iwe wakabhadhara federal, nyika uye mutero wemunharaunda, asi izvo zvawakasiya mushure mezvinhu zvakadai sekubhadhara, kubhadhara chikwereti chako, utano hwehutano, kutakura, uye zvokupfeka.
Discretionary mari inogona kushandiswa pakudya kunze, kuisa mari, kufamba, uye zvimwe zvisiri izvo zvinokosha kana mari. Ndiyo "mari yako inonakidza," mari yaunogona kushandisa pazvinhu zvausingadi iwe nehana isina mhosva, uchiziva kuti imwe yako mari inotarisirwa.
Nzira Yokugadzirisa Mari Yako Inotadza Kuwana
Haisi chakavanzika chokuti iwe unofanira kunge uine bhajeti, uye iyo inonyanya kushandiswa kune mari yako inowanikwa.
Nepo kune marudzi akasiyana-siyana akasiyana-siyana ekubhajharisa: hutongi hwe50/30/20 , iyo mavhopupeyo, nzira ye 80/20 , iyo yemaitiro emutsetse webhadharo, kunyange "iwe uripi wekutanga" nzira, inosvika pamamiriro ezvinhu ega uye zvaunofarira paunosarudza nzira ipi yekushandisa. Mushure mezvose, hapana chinangwa chokuva nebhajheji kana iwe usingadi kubatisisa kwazviri kana kuti hazvina musoro kune mararamiro ako iye zvino kana mamiriro ezvinhu.
Mimwe mibvunzo yekufungisisa usati wasarudza bhajeti: Une chikwereti chemudzidzi here? Kadhidhiro yemari chikwereti? Iwe unoda kubhadhara mari yako, kana iwe ungasarudza kushandisa mari yako yakawedzerwa uye kungoita zvishoma zvishoma mumari yemvura? Iwe uri spender kana muponesi here? Unodya kakawanda sei? Iwe unofarira kufamba kazhinji kana iwe uri weimba yevanhu here? Iwe une tara rinodhura here kana iwe unofarira kuve usina kunaka mune zvaunotenga?
Kana uchinge wasarudza mari yako inokosha, iwe unokwanisa kuwana bhajeti inokubatsira iwe. Uye paunenge uchizadza bhajeti yako, usakanganwa mabheji aya anowanzokanganwa-maitiro .
Nzira Yokuderedza Kurasikirwa kana Kudzingiswa Kwekufunga
Asi ngatitii nhamba dzacho haisi kuwedzera. Zvinogona kuva nguva yekuongorora zvakare mararamiro ako uye kuderedza shure kwaunogona.
Edza pepa rino rekugadzirisa kuti udonhedze pa discretionary kushandisa. Mushure mezvose, netsanangudzo, iri kushandiswa pane zvinhu zvaungagona kuita pasina.
Edza izvi mazano ekuderedza bhajeti yako: pamwe pamwe nekufamba kwekuita mari yekuisa mari, kumira kana kurega kudya kunze, kubhadhara chikwereti nokukurumidza kuti uchengetedze mari pane zvekufarira, kutenga zvekudya zvakawanda kubva pachikwata chechikwata seSam's Club kana Costco, kana kuderedza kabheji mushure nekusarudza purogiramu inodhura. (Kusiyana nekutenda kwakakurumbira, haudi HBO.)
Vamwe discretionary kushandisa zvinhu zvingangodaro zvakagadzikana pasina nyaya zvinosanganisira kuti haisi kumboshandisa-gym membership, aekiekly manicure / pedicure kana imwe spa spa, magazini kana mararamiro anoendesa kubhadhara, mapoka ehupfumi kana kechikwata, kunyange zvipo zvezororo .
Ko Nhamba Yako Inowedzera Here?
Nyanzvi dzakawanda dzinoti iwe unoshaiwa (kubhadhara kana kubhadhara chikwereti, zvokudya, mitero) inongofanira kungoverengera 50 muzana yemari yako, asi kubvumirana kwemari kunofanirwa kuverengera makumi matatu kana kupfuura.
Izvo makumi 20 kubva muzana inofanira kushandiswa kune zvimwe zvinangwa zvemari, zvakadai sokubhadhara chikwereti , kuchengetedza, kana kuisa mari.
Kunyange zvazvo chinangwa ichi chingave chakanaka kune vamwe, edza kuwana pedyo neyo nhamba sezvaunogona. Iwe pachako iwe pachako uchakuonga.