Enzanisa zviwanikwa zvako kune mari yezvinhu zvaunoda
Mari yacho yose mari yaunounza mwedzi woga woga. Inosanganisira mubhadharo uye mazano uye inogona kusanganisira mari yaunogamuchira nguva dzose kubva kumhuri, mazvikwereti, kana imwe imwe nzvimbo. Izvo zvisingasanganisi zvipo zvakakosha, mabhonasi, kana mhepo yakadai se lottery winnings: haugoni kutarisa mari yakadai, naizvozvo kuchenjera kuisiya iri kunze kwebhadharo yako.
Zvinotarisirwa ndezvipi zvinhu kana mabasa aunofanirwa kutenga nemari yako.
Zvinhu zvinodiwa zvinosanganisira zvokudya zvekudya, zvipfeko, pokugara, kupisa, uye kurapa. Zvimwe zvidikanwi zvine chokuita nekutarisira kwako zuva nezuva; somuenzaniso, unogona kutakura kutakura kuitira kuti urarame, kana iwe unogona kutenga kutenga yunifomu kuitira kuti uchengete basa rako. Mune zvimwe zviitiko, zvinodiwa zvinogonawo kusanganisira zvikwereti kana mari yekudzidzisa.
Kuti ugadzire bhajeti, iwe uchada kuenzanidza mari yako yenguva dzose kune zvinodiwa zvezvinhu zvinodiwa. Kana iwe ukawana kuti mari yako inenge isiri kudarika iwe unofanirwa kubhadhara zvinodiwa, iwe uchada kuwana nzira yekuderedza mari kana kuwedzera mari. Kana iwe ukawana kuti mari yako yakawanda kudarika mari yaunoda, une mari yakasara yekushandisa pa discretionary (zvaunogona) zvinhu.
Kushandisa Budget Sheets Kuti Uchengetedze Kubhadhara Nezvinodiwa
Bhijeti yemashizha, kana kuti mahwendefati, inoratidzirwa ruzivo rwekutengesa mari uye mari. Nekuona kamwe chete, unogona kuona zvaunopedza uye kuti mari yako inofananidzwa sei nemari yako.
Kuti uitange, iwe uchada kutora makoko ako ose ekubhadhara uye mamwe mazano ekuwana pamwe chete nemisiti yako kwemwedzi wose. Kana ukashandisa kubhadhara kana kadhi rechikwereti kuti ubhadhere pane zvaunoda, ruzivo irworwo ruchava pamashoko ako emwedzi. Kana zvisina kudaro, iwe uchada kutora maresi kwemwedzi wose.
Chengetedza Mari Yako. Iyi pepa ndiyo inofanirwa kutevera mari yaunouya nayo mwedzi woga woga. Kana iwe usina chokwadi (nokuti, somuenzaniso, iwe unowana mazano anowirirana mwedzi mumwe nomumwe) iwe uchafanira kuchengetedza kunyatsocherechedza kwemwedzi miviri. Nokuti ikozvino, kunyange zvakadaro, unogona kuverenga mazano ako.
| INCOME SOURCE | MIBVIRO YEMIMWE |
| Kubva 1: | |
| Kubva 2: | |
| Kubva 3: | |
| TOTAL: |
Chengetedza Mari Yenyu Inodiwa. Iri pepa rinosanganisira zvikwereti zvose zvaunofanira kubhadhara, kunyange zvisati zviri zvikamu zvose ( kufanana nemitero yemitero ) zvinoshanda kune vanhu vose. Zvakawanda zvezvinhu izvi zvinogona kuderedzwa nekutengesa. Zvimwe zvinhu zvakasiyana siyana ndezvipi kuti iwe uzadze nondiscretionary mari yako, sekuchengeta kwakwegura .
| NECESSARY EXPENSE | MUMWE MUTEMO | ZVINOKOSHA |
| Hoti kana Imba | ||
| Groceries | ||
| Zvishandiso (magetsi, gesi, kupisa) | ||
| Mvura uye Mvura | ||
| Trash Pickup | ||
| Health Insurance / Co-Pays | ||
| Auto Insurance | ||
| Auto Repairs / Maintenance / Fuel | ||
| Public Transit | ||
| Foni (Landline uye Cell Phone) | ||
| Mutero Wokubhadhara | ||
| Varidzi veminda / Renters Insurance | ||
| HOA chikwereti | ||
| Property Tax | ||
| Life Insurance | ||
| Mvere dzeCheka | ||
| Basic Toiletries | ||
| Child Care | ||
| Nguo | ||
| Kurega basa | ||
| Misc # 1 | ||
| Misc # 2 | ||
| TOTAL: |
Zvimwe Zvitsva Zvekushandisa Mari
Iwe wakashanda ukama pakati pemari yako uye iwe unofanirwa mari, zvinoreva iwe uri nani munzira yekugadzirisa bhajeti yako.
Kana iwe ukawana kuti mari yako inofanirwa yakafanana kana yakakura kudarika mari yako, unoda kuwana dzimwe nzira dzekuchengetedza.
Usati watanga kuderedza mari yako, zvakadaro, zvakakosha kuwana mufananidzo wakazara wezvaunoshandisa chaizvo. Vanhu vashomanana chete vanopedza bedzi pane zvinodiwa. Discretionary, kana kuti zvisarudzo, mari inoshandiswa inhengo yehupenyu hwevanhu vose. Dzinosanganisira mari yaunopedza pavanodya neshamwari, zvipo zvekuzvarwa, uye zororo.
Kana iwe wakafanana nevanhu vazhinji, iwe unoda kuchengetedza mari yakawanda kuti uzvipe iwe kuchinja kwakanyanya. Mashoko akanaka ekuchengetedza mari anouya nyore nyore kana iwe uchiziva nzvimbo yaunoda kuisa.