8 Matanho ekubvisa chikwereti
Kuva mune chikwereti kunonzwa kunotyisa. Chikwereti chichakuchengetedza kuti urege kuzadzisa zvinangwa zvemari yako, sekuchengetedza kubhadhara kana kutenga imba. Inogona kuva chinhu chinokonzera kushungurudzika uye kushungurudzika, zvichiita kuti ugare uchishushikana pamusoro pehupfumi hwako uye kuzvidemba kusingakwanisi kubhadhara chikwereti muupenyu hwako. Nenzira yakanaka, chikwereti hachisi mutongo weupenyu. Iwe unogona-uye unofanirwa-kuita kuti uwane chikwereti chinhu chinokosha.
Vanhu vazhinji vanonetseka nekubuda mune chikwereti nokuti havazivi kuti vanotanga kupi.
Vanhu vane mibvunzo yakawanda pamusoro pekuita. Ndezvipi zvikwereti zvinofanira kubhadharwa kutanga? Iwe unofanirwa kubhadhara mari yakawanda sei mwedzi mumwe nomumwe kuti ubudise chikwereti? Iko mari shoma yakakwana here? Ichatora nguva yakareba sei? Zvichava zvakaoma here? Chii chauchafanira kusiya? Kutevera zvikwiriso zvinomwe zvinokupa mazano aunoda kubhadhara chikwereti chako chakanaka.
1. Fungisisa Maitiro Awakaita Muchikwereti
Zano rezvemagariro rinokuudza kuti urege kugara pane zvakaitika, asi munyaya iyi, kutarisa kumashure kunogona kubatsira. Kubuda chikwereti - nekugara kunze-kunoda kuti iwe uchinje tsika kana mamiriro ezvinhu akakutungamirira kune chikwereti panzvimbo yekutanga.
Tora nguva yekufunga nezvokuti wakapinda sei mune chikwereti. Nyora pasi zvitatu kusvika kune zvishanu zvinhu zvaunofunga kuti zvakapiwa chikwereti chako. Chii chingave chakaita zvakasiyana? Chii chauchaita nenzira yakasiyana kudzivisa chikwereti munguva yemberi.
Chikwereti Chako Chingave Chisina Kukanganisa Kwako. Kakawanda, vanhu vanomuka mune chikwereti nokuti vakanyanyisa uye vakanyanyisa. Zvisinei, izvi hazvisizvo kune vose. Vanhu vazhinji vane chikwereti chezvechipatara chinokonzerwa nehutano husingawaniki.
Iwe unogona kuva nechikwereti nemhaka yekurambana .
Ichokwadi chaizvo zviri nyore kupinda muchikwereti. Makambani ekadhi yemakadhi akagadzirira kupa chikwereti. Izvozvo zvinosvikira iwe wapedza zvachose chikwereti chako. Mari yevamwe haisi kudzidziswa muzvikoro zvakawanda. Hatina kuberekwa tine ruzivo rwechikwereti kana kukwanisa kuenzanisa kuti chikwereti chakawanda sei. Uye isu tinokurudzirwa kubhadhara mari yezvidzidzo netariro yekuvandudza mararamiro edu emakore akawanda.
Kufungisisa pamusoro pezvinhu zvakakuendesa kuchikwereti hazvirevi kukuita kuti uchinetseke pamusoro pokuva mune chikwereti. Pane kudaro, chinangwa ndechokuziva kuti chii chakakonzera chikwereti chako kuitira kuti iwe utore matanho ekudzivirira chinhu chimwe chete kuti urege kuitika zvakare.
Uye kana iwe uine vana, kana kuti uchange uine rimwe zuva, izvi zvidzidzo zvinokosha kuti zvipfuure uye ivo, zvakare, vanogona kudzivisa chikwereti.
2. Shandura Maitiro Aunoipa Kuita Maitiro
Kuuya nemitemo yakaipa yekushandisa mari kwakaoma. Zvisinei iwe wave uchishandisa mari, iwe unenge uine (chii chinonzwa sokuti) chikonzero chakanaka chokuchishandisa. Asi, kana kushandiswa kwemari yako kuchikuvadza ramangwana rako remari, iwe unofanira kuzvibvisa. Rega kushandisa mari yakawandisa, ita bhajeti , uye utange mari yekukurumidza .
Ziva Zvakaipa Kuchishandisa Miitiro. Itai kuti mari yenyu ishandiswe kuburikidza nekutevera zvose zvamunoshandisa kwekunenge mwedzi. Zvadaro, isa mari yako muzvikamu uye upedze chikamu chimwe nechimwe. Izvi zvinoita kuti iwe uzive kuti kupi mari yako iri kuenda.
Imwe nzira yekuenzanisa mari yako yazvino kushandisa ndeyokuona chikamu chemari yako inosvika kune imwe neimwe yekushandisa mari: dzimba dzemari, gesi, zvokudya, nezvimwe. Kuverenga zvikamu, kugovana mari yawakapedza mune imwe nhengo yakawanda nehuwandu hwako mwedzi wokushandisa mari.
Kana uchangobva kuongorora kushandiswa kwako nguva yekugadzirisa kune mari yako inofamba.
Kana zvichiita sokuti uri kushandisa mari yakawandisa mune imwe nhengo, tsvaga nzira dzokuderedza zvakare pazvinodhura izvozvo. Somuenzaniso, kana makumi maviri ne25 kubva muzana yemari yako yaenda kune zvokudya, unofanira kufungidzira kuti unogona kuderedza sei mari yako yekudya. Ita 50/30/20 Mutemo webhadharo inogona kukubatsira kuti urambe uri kushandisa mari yako.
3. Mufananidzo Wakawanda Mari Yako Unayo
Kusvikira ikozvino, iwe wakangodaro usina kuramba uchiziva kuti iwe une chikwereti chakadini. Iye zvino inguva yekutarisana nechokwadi chechikwereti chako. Ita rondedzero yematokari ako ose , mari yaunokwereta, chikwereti chechido, uye mubhadharo wakaderera. Shandisa zvinyorwa zvitsva zvekubhadhara, zvinyorwa zvitsvaga kana mabhuku ebhangi, uye mushumo wako wechikwereti kuti uwane runyoro rwakakwana rwevanhu vose vanokwereta uye mari yaunokwereta.
4. Sarudza Kuti Unogona Kubhadhara Mari Zvipi
Kana iwe uri kubhadhara zvishoma pamwedzi wega wega, zvichakutora makore anoverengeka, zvichida kunyange makumi emakore ekupedzisira kubhadhara chikwereti chako. Kuti ubhadhe chikwereti chako nekukurumidza, iwe unofanira kutumira zvinopfuura kutengesa zvishoma kune imwe yenyaya dzako pamwedzi.
Shandisa Budget Yenyu Kukubatsira Pwere Chikwereti Chako. Shandisa bhajeti yako yegore negore kuti ikubatsire kuziva zvauri kukwanisa kushandisa pane chikwereti mwedzi wega wega. Chengetedza mari yako kubva kune zvese zvinovimbika zvinosanganisira mubhadharo, alimony, mari yekutsigira vana, mabhonasi, kana zvikamu. Zvadaro, bvisa zvaunoshandisa mwedzi woga woga pazvinhu zvinodiwa, izvo zvinhu zvaunoda kuti urarame. Zvinoda mari zvinosanganisira kubhadharwa kana kubhadhara, zvishandiso, zvekudya, kutakura, zvekurapa mari, uye chikwereti chako chazvino (zvishoma) mari.
Usakanganwa kubhadharira chero zvipi zvisiri izvo kana zve periodic zvinogona kuitika mumwedzi. Chii chakasara mushure mokuti makavhara zvose zvamunoda mari ndeyemari yaunogona kushandisa pane chikwereti chako. Shandisa iri mari muchikwereti chako chechikwereti.
Chengeta Zvimwe Chero Pose Paunogona. Mari yakawanda yaunogona kuisa kune chikwereti chako, iwe unokurumidza kubhadhara. Iva neunyanzvi mune zvaunouya nemari yakawedzerwa nekuderedza yako mari yazvino uye nekutsvaga nzira dzekuwedzera mari yako.
5. Isa pamwe chete chirongwa
Chirongwa chekwereti hachifaniri kuva chakaoma.
Zvose zvaunoda chaizvo kuita ndezvokukoshesa zvikwereti zvako, zvichida nehuwandu hwechikwata kana nehuwandu kana zvimwe zviyeudzo zvaunosarudza.
Ndeipi Chikwereti Chaunofanira Kubhadhara Chekutanga? Iwe unofanirwa kusarudza nzira iyo ichakuchengeta iwe uchikurudzirwa kubhadhara chikwereti chako. Kana kugadzirisa zvikwereti zvako zvakakosha zvikuru, ipapo nzira yakakwirira-inobatsira ndiyo yakanakisisa. Kune rumwe rutivi, kana iwe ungave usina kusununguka nekubhadhara pachikwereti chikuru kwenguva yakareba, ipapo chikwereti chiduku chiduku chichava nani kwauri. Panogona kuva nemunhu ane chikwereti iwe unoda kubvisa zvachose. Kana zvakadaro, kuripa iyo kadhi rechikwereti kutanga. Chinangwa ndechokuraira makadhi ako ekwereti uye kutanga kuvabhadhara.
Unofanira Kubhadhara Zvii? Kana ukangotarisa zvikwereti zvako, sarudza kuti uripi kubhadhara mwedzi woga woga. Zvinowanzoita kuti uite chikwereti chemari chechimwe chezvikwereti zvako paunenge uchibhadhara zviduku pane mamwe maakaunti. Zvadaro, kana wakabhadhara chikwereti chimwe, tumirazve chikwereti chako chechikwereti kune chikwereti chinotevera pane rako.
Inguva Yakatora Rini? Iwe unogona kuona hurongwa hwako huchaita uye hunofunga nguva iyo ichakutora iwe kuti uve chikwereti pasina kushandisa chikwereti chekubhadhara chikwata . Vamwe vanokubvumira kupinda mubhadharo wemwedzi wega wega kana chikwereti-kusina nguva yakatarwa kuti uite sarudzo yako yekubhadhara.
Cherechedza kuti nguva yako yekubhadhara chikwereti inogona kuchinja zvichienderana nemari yaunenge uchibhadhara kune chikwereti chako uye kuti iwe unotora chikwereti chakawedzerwa. Dzorerazve chikwereti chekubhadhara chikwata kamwechete kana kaviri pagore kuti uone kuti uri kufambira mberi sei kune chikwereti chako pasina nguva.
6. Tanga Kuita Mari
Ne chirongwa uye mwedzi wekubhadhara mwedzi, izvo zvaunofanira kuita zvinotevera ndezvokutumira makoko ako akatendeka mwedzi mumwe nomumwe. Iyi chikamu chechirongwa chichatora nguva refu, makore akawanda zvichienderana nehuwandu hwechikwereti chaunacho uye mari yaunenge uita. Kubatana nekubhadhara kwako chikamu chinokosha chekubuda mune chikwereti.
Tevedzera Zvaunofambira Mberi. Kuumba zvikwereti zvitsva zvinogona kukubatsira kuti urambe uchikurudzira mukubhadhara chikwereti chako. Nokupemberera kubudirira zviduku, sekubhadhara 10 kubva muzana kana 25 kubva muzana yemari yako, unoona kufambira mberi kwaunoita uye kuramba uchikurudzira.
7. Usaita Dhadharo Yakawanda
Iwe haugoni kushandisa makadhi ako ekwereti kana iwe uchida kubuda mune chikwereti. Kuumba chikwereti iwe uri kuedza kubhadhara chikwereti kunongokuvadza kufambira mberi kwako. Zvakafanana nokutora matanho maviri mberi uye matatu nhanho kumashure. Iwe uri kungozviisa iwe pachako.
Hazvina kudii kuti uvhare makadhi ako kadhi rechikwereti, kunze kwekuti iwe uchifunga kuti haungakwanisi kurwisa muedzo wokuzvishandisa.
Unogonawo kuisa makadhi ako kadhikiti kuti uzvidzivirire kusashandisa. Hungu, chaizvoizvo, isa makadhi ako ekwereti mumudziyo wemvura ugoaisa mufiriji. Kana iwe uchinge wakanganisa zvikwereti zvako zvekwereti, iwe unofanirwa kuisa mumabasa akawanda kuti uzvibudise kunze kwechando. Tariro, izvozvo zvichakupa nguva yekufunga zvakare uchishandisa makadhi ako uye udzorere zvakare mufiriji kusvikira iwe usina chikwereti.
8. Bounceback Kubva Zvimwe Zvipingamupinyi
Zvinogona kunge zvisina kutama kufamba munzira yako kune chikwereti rusununguko. Semuenzaniso, pane imwe nguva yezvemari inokurumidzira inoda kuti iwe udzike kudhura kwako kwekuwedzera kwemwedzi mishomanana. Zvakanaka. Ingotora chikwereti nemari yako yako nokukurumidza sezvaunokwanisa. Iwe unogona kuora mwoyo pakubhadhara chikwereti chako, uye icho chaicho. Kukurira kuora mwoyo uye chengetedza chikwereti chako chekubhadhara pamutambo.