Vanhu kazhinji vanofananidza "bhajeti" ne "ledger." Nepo izvi zvine pfungwa dzakabatana, mazwi maviri ane zvinoreva zvakasiyana.
Tsanangudzo ye "Ledger"
Chifambisi chinhu (kana muviri kana digital) inokubvumira kunyora kushandiswa kwako. Bhuku rinotakura ishoko rekuunganidza-data; hapana chimwe. Chifambisi chiri chinhu chinobatsira mukugadzira bhajeti .
Nhoroondo yekare, boka rekutakura rakanga riri bhurocha iro vanhu vaizoitakura muhomwe yavo kana muhomwe, umo vaizokwanisa kunyora mari yavo pane imwe nzvimbo-yekutengesa.
Munguva pfupi yapfuura, vanhu vakaunganidza mapeti uye vakazviisa mumatungamiri pamakombiyuta avo pamba. Vamwe vakashandisa chirevo chekadhi rechikwereti - chirongwa chinotsanangura kutenga kamwe - sechinhu chakashata, chinotungamirira. Mazuva ano, vanhu vanoshandisa mapurogiramu epurogiramu uye mawebhusayithi anotora maakaunti ako, achiunganidza data, uye anoshandisa sehurukuro yemagetsi.
Tsanangudzo ye "Budget"
Bhijheti igadziro-huru-mifananidzo inobatsira vanhu kurongedza maitiro avo ekushandisa mari yavo nezvido zvavo, zvinangwa, uye zvinokosha. Icho chinyorwa chinogadzira zvamunosarudza kushandisa mari yeramangwana, shiri-meso maziso. Chifambiso, panguva iyo, chiri kumusoro-pedyo-uye-pachako.
Kuva nekwereti (ine deta) kunogona kukubatsira kugadzira bhajeti. Nokudzidza yako iripo yekushandisa purogiramu , iwe unogona kuona nzvimbo dzaunoda kugadzirisa.
Iwe unogona, semuenzaniso, ngodzidze zvaunoshandisa uye ona kuti iwe unoda kudzorera 5 kubva muzana yeimwe yaunoshandisa chikwata, zvakadai sekupfekedza, kune imwe nzvimbo, zvakadai sekurega basa.
Mwedzi unotevera, unogona kudzidza chikwata chako kuti uone kubudirira kwawakaita chinangwa ichocho.
Kuisa Vaviri Pamwe
Ngatitangei kuburikidza nemuenzaniso wekuti ungashandisa sei dheta kuti ikubatsire bhajeti. Ngatiti Sally anonyora zvizhinji zvekutenga kwake nekuunganidza zvidhi. Anopa mari yaakashandisa mupasiteteti pakupera kwezuva rimwe nerimwe.
Sezvo achiita izvi zuva rega rega, anongopedza maminitsi mashanu pazuva rekushanda (pasi pehafu yeawa pavhiki) achishanda pabasa iri.
Pakupera kwemwedzi, Sally anoongorora kushandiswa kwake uye anoona kuti ari kushandisa mari yakawanda kudya mumaresitorendi kupfuura zvaakaona. Anodawo kutora rwendo kuenda kuItaly. Akashongedzerwa nemashoko kubva mudhegi rake ( spreadsheet ), anogadzira bhajeti (big-picture-goal) iyo inomutungamirira kushandisa zvishoma pane zvekudya zvekudya kwekugadzirira mukuvakira mari yezororo.
Ko Zvakadini neIndaneti Inozivikanwa?
Kubhadhara mawebsite seMint.com kuita sevatungamiri vatungamiri. Aya mawebsite anotora uye akaronga kushandisa kwako uye kuratidzira mari yako yega yega mafananidzo emagrafu, marati, nezvimwe zvinoratidzwa zvinobatsira. Dhiyabhuku-kukohwa kwehuwandu hwemasayiti aya anoratidza unhu hwevatungamiri panzvimbo pehutano hwemari.
Asi mawebsite aya anokubvumirawo kuisa zvinangwa zvako zvekushandisa kwemangwana. Pamusoro paMint.com, somuenzaniso, unogona kuisa kuti iwe unoda kuchengetedza $ 40,000 nokuda kwekubhadhara pasi pamusha . Pane kunyange chigadziro chinokubatsira kuti uverenge mari yakawanda yaunogona kushandisa mumhuri, zvichienderana nemari yako.
Iwe unogona kusarudza maakaiti kana zvikwata kubva kwaunoda kubvisa yako pasi kubhadhara mari.
Iwe unogonawo kuongorora kufambira mberi kwaunoita kune chinangwa ichi.
Chinangwa-chekucherechedza kwewebsite ino chinoratidza kubhadhara kwechokwadi. Asi kubhadharira hakugoni kuve kwakakwana zvizere sezvo inoda chinhu chevanhu chekutonga, kuongorora, nekufunga kwakanyanya.
Bhijhesi inosanganisira guru-mamiriro ekugadzirisa-chinangwa, asi chikwata chinogona kuva chinhu chakakosha chekubatsira kutungamirira iyo nzira.