Zviratidzo Zvaunofamba Nekutambudzika
Kushandisa kadhi rechikwereti zvisina njere kunogona kutungamirira kugomo rechikwereti chekwereti chikwereti chakanga chisisakwanisi kukunda. Asi iwe unoziva sei kana uri kushandisa makadhi ako zvisina njere? Heano dzimwe nzira dzokukuudza kuti uri kutungamirirwa nekwereti kadhi chikwereti.
01 Unoshandisa Chikwereti Kuti Uwane Zvido Zvikuru
Mubairo wako uye mari yako inofanira kushandiswa kutenga zvinhu zvezuva nezuva sezvokudya, zvokupfeka, uye gesi, kwete yako kadhi rechikwereti. Kuva nekushandisa makadhi emakadhi ekuvhara marudzi aya ekutenga chiratidzo chekushaya mari. Shanda zvakaoma kuti urarame mune zvaunogona kuita kuti udzoke maitiro ako kune chikwereti chekwereti chikwereti.
02 Unoshandura Mihairiro Kuti Usachengetedze Kadhi Remari
Kune dzimwe nguva apo kutora chikwereti chekwereti kutengesa kunonzwisisika, kufanana nekugadzirisa zvikwereti zvekadhi rechikwereti kana kuti kuwana muchero wekuderera. Zvisinei, kazhinji kutumira zviyero panzvimbo yekubhadhara pasi zviyero zvako ibwe rekundu. Iwe unofanirwa kuverenga nzira yekuita mari yako yenguva dzose yekubhadhara chikwereti usati wapedza chikwereti chekwereti kuti uendese zviyero kune.
03 Unotora Bhiri reMari yeKadhi reKadhi kuti Ubhadhara Imwe
Kunyanya kukoshesa kadhi rechikwereti kuripo kwakachenjera. Asi kubhururuka kubhadhara nguva dzose hakusi kuchenjera. Kana iwe uchigara uchizviwana iwe wakasungirirwa kuti uwane mari kuti uite kadhi rako rechikwereti, iwe uri kutora kadhi rechikwereti. Kuwanda kwekubhadhara kunokonzera mari kuchakuvadza chikwereti chako uye kukusiya nemasarudzo mashomanana ekugadzirisa chikwereti chako.
04 Unodzivisa kana Usakanganwa Chikwereti Chekwereti
Kana kungofarira makadhi emakwereti chaizvoizvo kwakaita kuti vaende. Kunyengedza kadhi rako rechikwereti chikwereti hachipo chete kunopa nguva yekukura. Kutarisana nechikwereti chekwereti rechikwereti nokukurumidza kunokupa mukana wekutora chikwereti isati yasvika.
05 Unotengesa Zvakawanda Kupfuura Zvaunobhadhara
Fungidzira uchiedza kuzadza gomba apo mumwe munhu akashamisa tsvina yakawanda kupfuura iwe. Ndizvo zvakafanana nechikwereti. Kana uri kukwereta kupfuura iwe uri kuripa, kadhi rako rechikwereti chikwereti richaramba richiwedzera kuwedzera. Unofanirwa kumira kushandisa makodhikiti ako kana uchida kudzivisa kupinda muchikwereti chekwereti chikwereti.
06 Iwe Hauna Eer Emergency Fund
Kana iwe usina chikwereti chekukurumidzira , iwe uchanzwa uchimanikidzirwa kushandisa kadhi rako rechikwereti mumamiriro ekukurumidzira. Chikwereti chekwereti chikwereti chakakonzerwa nekuda kwekukura kukuru, zvisingatarisirwi zvinogona kuva zvakaoma kubhadhara, kunyanya kana bhajeti yako yatotambanudzwa. Iwe unogona kuvaka mari yekukurumidzira nekuchengetedza mari shoma mwedzi mumwe nomumwe, nguva dzose.
07 Iwe Hauna Sangano Rokubhadhara Chikwereti Chako Chekwereti
Izwi rinotaura kuti "Kukundikana kuronga kuri kuronga kukundikana." Kana iwe usingashandi nesimba kuti ubhadhe zvikwereti zvako zvekadhi rechikwereti, unogona kuguma usina kubhadhara pamakadhi kwemakore anotevera. Kunyangwe iwe uine chikwereti chekwereti chikwereti kana kwete, iwe unofanira kugara uine chirongwa chokubhadhara zviyero zvako.
08 Unoshandisa Chikwereti kune "Zvakanakira" Zvinodhura Zvinhu
Kuwedzerwa kwechikwereti ndechokuti kunotitadzisa kuti tifunge kuti tinokwanisa kutenga zvakawanda kupfuura zvatinogona chaizvo. Chokwadi ndechekuti mari yakawanda chete kana mari shoma (kana mbiri) inoita kuti iwe uwane zvinhu zvinodhura. Kuwedzera kadhi rechikwereti chikwereti kuchengetedza mararamiro ausingawanikwanisi hausi kuchenjera kwekusarudza mari yako yeramangwana.
09 Wakave Waita Maererano Nhoroondo
Kana iwe uine makadhi emakadhi ayo zvave akapfuura, zvichida iwe unopinda munhamo yakaoma yezvemari iyo iri kuchengeta yako kubva pakugadzirisa. Yeuka, zvakanyanya kupfuura nekuda kwekuti maakaiti ako ave, zvakanyanya kuve zviri kuunza zvakare ikozvino zvakare. Tarisa bhajeti yako yegore negore yemari yaunogona kushandisa kuti utore mabhidhiji ako kubhedha.
10 Une Maxed Out Credit Cards
Kana makadhi ako ekwereti ose akaiswa kunze, hausi kutungamirirwa kune kadhi rechikwereti chikwereti, iwe watova mairi. Chii zvino? Ita sarudzo yekubhadhara kadhi rako rechikwereti chikwereti uye kuita sarudzo dzakachenjera pamusoro pekushandisa kadhi yako yemakadhi munguva yemberi.