Panguva imwecheteyo, haudi kuita bhajeti iyo yakazara sebhajeti ye 80/20 kana bhajeti ye 50/30/20. Mienzaniso iyoyo inogumira iwe chete kumapoka maviri kana matatu. Iko 80/20, somuenzaniso, kungofambisa hurumende kuita 20 kubva muzana yemari yako yekuwana uye ne80 muzana kune zvimwe zvose.
Kunyange zvazvo iri pfungwa yakanaka kupa 20 muzana yemari yako yekuwana mari, iwe unogona kutsvaga tsanangudzo yemari yako yose pane zvese zvimwe.
Iwe unoda chimwe chinhu zvishoma zvakare zvakananga uye zvakarongeka. Kufanana neGoldilocks, uri kutsvaga shanduro inofadza pakati pezvinhu zviviri zvakanyanyisa. Imari yaunoda inofanira kukubvumira kuputsa mari yako muzvikamu zvishanu kana zvitanhatu: kwete zvishoma, asi kwete zvakawanda. Unofanira kuitei?
Funga kugadzira bhajeti inowanikwa muzvikamu zvishanu, kufanana neyo Today Today Editor Jean Chatzky yakafuridzirwa pamutoro weOntrah :
Housing
Dzimba dzinofanira kunge dzine 35 muzana yemari yako yekuwana pamba. Izvo zvinosanganisira chikwereti kana kuti chikwereti, kugadziriswa kwemusha uye kugadziriswa, mitero yemitengo, zvigadzirwa zvakadai semagetsi, gesi, mvura, uye gungwa remvura, uye vagari veimba kana renster inshuwarisi. Muchidimbu, inosanganisira mari yose yakabatana neimba.
Kutakura
Kutakura kunofanirwa kutora zvisingasviki 15 kubva muzana yemari yako yekutora pamba.
Izvozvo zvinosanganisira chero mari yemari yaunenge uchiita, mafuta, motokari yveshuwarisi, zvose kugadziriswa uye kugadzirisa, mari yaunenge uchibhadhara pakupaka, kana-kana iwe ukashambadzira kutakura kwevanhu-mari yaunobhadhara pachitima kana mumatokari emumigwagwa. Yeuka, kutakura hausi kungobhadhara motokari yako chete. Inosanganisira zvinhu zvose: kubhadhara motokari yako, mafuta ako kuchinja, yako-tune-ups, uye radiator yako itsva uye bhanhire nguva.
Zvimwe Zvokushandisa Zvokugara
Zvimwe zvikwereti zvekugara, izvo zvinowanzopiwa mari yekuziva, inofanira kutora 25 muzana yemari yako. Izvi zvinosanganisira kudya paresitorendi, kutenga matikiti emakonti, kutenga mbatya itsva, kuenda kumitambo yemitambo, uye kutora mhuri muzororo rakanaka.
Savings
Kuponesa kunofanira kupedza 10 muzana yemari yako. Izvi zvinonyanya kushandiswa mubasa rekushandira pamwe uye kuvaka chikwata chekukurumidzira.
Chikwereti Chikwereti
Mhosva Chikwereti chinofanira kudya 15 muzana yemari yako. Izvi zvinosanganisira makadhi ako ekwereti kana zvikwereti zvevadzidzi. Icho hachirevi chikwereti chako chekutora chikwereti kana kubhadhara motokari, izvo zvakanyorwa pasi pe "dzimba" uye "kutakura." Iko inosanganisira chero mari yaunenge uchibhadhara iwe uri kutora chikwereti chako uye mari yemari yepamusoro kumusoro uye kupfuura kupfuura zvishoma.
Iwe unogona kunge uchifunga: Chimirira chechipiri, nei uri kutsigira kuwanda kwekuchengetedza kwe10 chete muzana? Ko bhajeti ye 80/20 uye bhajeti 50/30/20 yose inotsigira kuchengetedza mari ye20 muzana here? Hongu, ivo vanoita, asi sezvamunoona pasi pebhajeti ye 80/20 uye bhajeti 50/30/20, "kuchengetedza" kwaisanganisira chikwereti chekubhadhara.
Muzvikamu izvi zvishanu, bhadha yako uye chikwereti zvakanyorwa sezvikamu zviviri zvakasiyana. Uine 10 muzana kune imwe uye 15 muzana kune imwe, iwe uri kunyanya kushandisa 25 kubva muzana (muhuwandu) pane kusanganiswa kwekuchengetedza uye chikwereti chabhadhara.
Izvi zvinotonyanya kurwisana uye zvinokurudzira kupfuura mamwe mabhadharo emabhadharo anoratidza. Shandisa iri bhadhiro yezvikamu zvishanu kana iwe uchida kugadzira chimwe chinhu zvishoma nezvishoma, asi kwete zvakaoma.