MaEveloppipe Budgeting Works
Iyi nzira yebhajeti yakatanga zvakare apo mabhiriro aibhadharwa nemari uye vanhu vanogona kuparadzanisa zvigadzirwa zvemari mumuviri mavhisikipu akasiyana , imwe neimwe inomirira chinangwa chakasiyana. Kunyange kana iwe usisashandisi mari yekubhadhara zvikwereti, mutemo uyu unoshanda uye unogona kushandiswa uchishandisa teknolojia yezuva ranhasi.
Nokuda kwemuenzaniso uyu, tichashandisa mwedzi wega wega, asi unogona kushandisa vhiki imwe neimwe kana nguva ipi inoshanda kwauri.
- Kuti ushandise envelopu yekugadzirisa mari, kutanga tanga kushandisa mari yekushandisa mari yebhajheji yako uye woisa kushandiswa kwemari yezvikamu. Mari yose yekushandiswa kwemari haifaniri kudarika mari yaunowana pamwedzi.
- Kushandisa imwe envelopputi pamashandisi ekushandisa, nyora zita rezvikamu chimwe nechimwe uye mari yegore negore yakagadziriswa pane mavulopu. Kana iwe uchibhadharwa vhiki rega rega kana bimonthly, gurai mari yegore roga roga yezvikamu chimwe nechimwe nenhamba yekubhadhara nguva yaunenge uine uye urenge iyo nhamba pavhopupepe zvakare.
- Nokuda kwemuenzaniso uyu, fungidzira iwe uchibhadhara mubhadharo, kunyange zvazvo vanhu vazhinji vane zvikwereti zvavo zvakachengetwa zvakananga. Chengetesa mubhadharo wako uye uise mari yakatarwa yega rega rega rega rega muvhaputi.
Muenzaniso wakajeka ungave wekubhadhara wevhiki yevhiki ye $ 500 nemari iyi:- $ 100 inopinda muhovepeji yemari yekudya
- $ 200 kusvika pakubhadhara bhafuti yemari
- $ 70 kusvika ku gas uye bhajiro yemari yekuchengetera bhajiro envelope
- $ 30 kusvika kumabhajiro ehurumende yebasa rekushandisa
- $ 70 kusvika kumushandi wekuzvidzivirira nekupfeka envelope
- $ 30 kusvika mubhadharo yemari yekuchengetedza mari
- Paunenge uchienda kunotenga kana kubhadhara mutero, tora mari yekubhadhara kubva muvupurupu yakakodzera.
Simba rekuvharapa rekugadzirisa mari nderokuti rinokumanikidza kugara muchikurukurirana nemari yekushandisa nekuti kamwe pivhopepe isina chinhu, haugoni kupedza kubva kubva iyo iyo kusvika iyo vvukupe inobhadharwa nemari inotevera.
Envelope Budgeting ne Financial Software
Nhasi mari yakatarwa yekubhadhara mari, kubhadhara mari yemagetsi, makadhi ekubhadhara , makadhi emakwereti uye kuongorora, bhadharo rekuvharopu yebharopu inenge isina kushandiswa. Zvisinei, hupfumi hwemari kana bhajeti yemapurogiramu inovakirwa pamusoro pemakondomu ekugadzirisa mari inoita kuti iwe ushandise nzira dzakanaka dzekutengesa mari paunenge uchishandisa mabhopupeji kuronga chirango.
Envelope budgeting software inowanzoshandisa mavhopu mavhisikiki kana mamwe maikirwo ekumiririra zvirongwa uye kuratidza kushandiswa kwemabasa uye zviyero zveboka rimwe nerimwe. Apo mari inonyorerwa, software inogovera chikamu kune imwe neimwe "envelope." Kana kutenga kuri kuitwa, taura software iyo inoshandisa zvikamu zvekushandisa uye software inoderedza "mari" kubva mumavhopu.
Kana ukashandisa kadhi rechikwereti kana nzira yakadaro yokubhadhara, software inoshandura mari yose kune imwezve envelope kuti iwane "mari" kusvikira chikwereti chekadhi rechikwereti chikabhadharwa. Mishonga inobhadharwa zvakananga uye kwete kuiswa kadhi rechikwereti (kubhadhara motokari, somuenzaniso) zvinokonzera software kuti ibvise mari yekubhadhara kubva muvupurupu yakakodzera.