Usingazivi kuti ungatanga sei bhajeji? Tevera matanho aya
Vanhu vazhinji vanoona kuti vari kushandisa zvakanyanya kupfuura zvavakaona, nepo vashoma vashoma vanozvidzivirira pamusana pokuponesa kupfuura zvavanoziva.
Kana ukangoita bhajeti, uchaona nzvimbo dzaungagona kuderedza mari. Iwe uchadzidzawo kuti unogona kuchengetedza sei mwedzi woga woga kune zvinangwa zvako zvemangwana, uye iwe unonzwisisa nzira yekuparadzanisa izvo zvakachengetwa pakati pezvinangwa zvako zvenguva pfupi uye ndezvenguva refu.
Dambudziko: Nyore
Nguva Yakakodzera: 1 Awa
Heino Ndezvipi:
Verengai Mutero Wenyu Mwedzi
Kana iwe chete mari yaunowana inobva mubasa rakagadzikana, danho iri rakajeka sekutarisa pamari yako yekupedzisira. Verengai mwedzi wekutora pamba.
Kana iwe uri wekushanda, wedzera mari yako yemari kubva mugore rapfuura uye ugoparadzana ne12. Unoda kunyanya kukwana? Wedzera zvaunowana kubva mumakore matatu adarika uye ugoparadzanisa ne 36.
Chengetedza Chero Chese Irregular Income
Wedzera zvisina kukwana kana mari yekusagadzikana, yakadai semabhonasi, makomisheni, zvikamu, mari yekubhadhara, uye mvumo. Kana iwe uchigamuchira izvi kwegore negore kana gore negore, ivhareji iyo kuti uwane kuongororwa kwemwedzi.
Gadzira Rondedzero Yezvaunoshandisa
Zvinotarisirwa mari ndeyebhadharo yaunofanira kuripa mwedzi mumwe nomumwe, kusanganisira:
- Hore kana kutora mari
- Auto uye kumba inshuwarisi
- Zvitano-kutarisira mari
- Kubhadhara chikwereti, zvakadai sezvikwereti zvevadzidzi uye makadhi emakadhi
- Utilities
- Gasoline
- Groceries
Gurai mari yegore negore nemadhora gumi nemakumi maviri ekubhadhara mari dzinotambirwa gore negore, zvakadai semutero weimba uye mutero wemari.
Ichakuratidza iwe mari yegore.
Itai Zita reZvirevo zveDiscretion
Nyora yako discretionary mari yakafanana neresitorendi kudya, varaidzo, mazororo, magetsi, nezvipo.
Ongorora gore rakapera rekwereti yako uye mabhidhidhi emadhidhi kuti uone kushandiswa kwako kwemari. Wedzera iyo uye ugovane ne12 kuti uwane chiyero chepamwedzi.
Iwe unogona zvakare kutenga software kana kubhadharira kubasa rekuInternet kuti uchengetedze tabs pamari yako.
Wedzera Yako Yakajeka uye Inonzwisiswa Kwemwedzi Imari
Enzanisa nharo yako yose kumari yako. Kana iwe ukashandisa zvinopfuura zvaunowana, iwe uchada kuita zvimwe zvigadziri.
Kana iwe uchiwana zvakawanda kupfuura iwe wapedza, congratulations - uri kuenda kunotanga kukuru. Iye zvino ndiyo nguva yekugadzirisa mari yako.
Dzvora Mari Yako Yokufunga
Kana iwe ukashandisa zvinopfuura zvaunowana, yako discretionary mari inofanira kuva yekutanga uye yakaoma kudarika . Isa pakudya masikati panzvimbo yekudya kunze. Vhadhara firimu kumba pane kuenda kumitambo.
Chengetedza Zvigadziriswa Zvako Zvikwereti
Fixed cost zvakaoma kukugura, asi iwe unogona kuchengetedza mazana kuburikidza nokudaro. Kumbira kuongororwa kwekukosha kweimba yako kana iwe uchifunga kuti nzvimbo yako yemitero yakakwirira. Kutaurirana nehutachiwana hwehutano hwemapurogiramu ako akasiyana. Kumbira chimwe chinhu chakakosha pamaketheni ako.
Ita kuchengetedza zvinokosha
Kana imwe nguva mari yako yakakwirira kudarika yako mari, sarudza kuti ndezvipi zvinangwa zvaunoda kuchengetedza. Zvaunofanira kuchengetedza zvinotanga kuwira muzvikamu zvitatu:
- Nguva pfupi: yezororo, mari yekugadzira motokari
- Mid-term: chikwata, chikoro chekoroji yevana vako
- Yenguva refu: kurega basa
Gurai mari yenyu muzvikwereti zvakasiyana-siyana zvakatsaurirwa kune imwe neimwe chinangwa.
Enzanisa Nazvo Chaicho Chaizvo Kuchishandisa Bhijiti Yako
Mwedzi woga woga, tarisa kuburikidza nekutaura kwako uye uenzanise mari yako chaiyo uye mari yako kusvika kumazana akafanotaurwa mubhajhini yako. Uchaona nzvimbo dzaunenge uine zvishoma uye nzvimbo dzaunenge uine zvakawanda kupfuura zvaunotarisirwa.
Zvaunoda
- Mari yako yekubhadhara kana kutora mutero kujekesa zvaunowana
- Chikwereti uye zvinyorwa zvemakadhi makadhi
- A List of Expenses
- Calculator