Unofanira Kutanga neMari kana Kutanga Nemari?
Pane nzira mbiri dzekutarisa bhajeti yako.
Nzira inonyanyozivikanwa ndeyekuongorora zvaunowana, uye chengetedza mari yako kusvikira ichienderana nemari yako. Zvimwe zvishoma - asi zvakaenzana-zvinoshanda - nzira yekusarudza mari yakawanda yaunoda kushandisa mwedzi wega wega, uye shandisa mari yako kuti ienzane nemari yako.
Ngatitarisei zvinobudirira uye zvakashata zvezvinhu zviviri izvi.
Mari Yokutanga, Zvadaro Mari
Ndakanyora zvakajeka pamusoro penzira yekugadzirisa 50/30/20 , iyo yakarongedzwa naHarvard economist Elizabeth Warren nemwanasikana wake, Amelia Warren Tyagi.
Vanotaura kuti vanhu vanofanira kupa 50 muzana yemari yavo "vanoda," 30 muzana kune "vanoda" uye 20 muzana yekuchengetedza uye kuderedza chikwereti.
Iyi nzira yekugadzirisa bhajeti inotanga nokutarisa pamari yako - "Ndingaita zvakadini?" - uye kuisa sarudzo yako yekushandisa kubva pachiyero ichocho. Sezvandakambotaura, nzira iyi yekubhadhara mari ndiyo inonyanya kuzivikanwa nezvekusarudzira bhajeti.
Pro's: Inoita kuti iwe urarame mune zvaunokwanisa.
Con's: Inotarisa pakucheka mari (kushaiwa, kushaiwa) panzvimbo yekuwedzera mari. Izvi zvinogona kunzwa sezvinoitwa kudya: zvakaoma kusunga.
Zvinonyanya kukosha: Vanhu vane gadziriro, yakagadzikana mari.
Kutenga Kokutanga, Zvadaro Mari
Heano nzira shomanana asi yakavimbika: Kutanga, ita urongwa hwezvinhu zvose zvaunoda kubhadhara. Zvadaro funga kuti ndipi mari yemari yaunofanira kuisa.
Somuenzaniso, ngatitii iwe unoda kushandisa:
- Mortgage (kusanganisira inshuwarisi nemitero): $ 2,000 / mo
- Zvokudya: $ 400 / mo
- Cellular Phone: $ 100 / mo
- Zvitunha zveMhuri (Inoenda kune Target, Amazon.com, nezvimwewo): $ 100 / mo
- Car uye Upenyu Inishuwarenzi: $ 100 / mo
- Zvishandiso: $ 200 / mo
- "Fara" Mari (Zvokudya, MaConth, BBQ, Coffee pa Starbucks): $ 800 / mo
- Motokari Kubhadhara Iwe: $ 300 / mo
- Kubhadhara Imari Savings : $ 1,000 / mo
- Kuchengetwa Kwezororo Nezororo: $ 250 / mo
- Kuchengetedza Musha uye Car Kugadzirisa uye Emergency Fund: $ 250 / mo
Zvose: $ 5,500 pamwedzi
Iye zvino, ngatitii iwe ikozvino unowana $ 4,000 chete pamwedzi. Mubvunzo unopinda mumusoro wako, panguva iyi, unofanira kunge uri: "Ndingawana sei $ 1,500 pamwedzi?"
Zvichida uchasarudza kuwana mari yakawedzerwa kune rumwe rutivi . Somuenzaniso, kubhadhara maawa 50 pamwedzi (inenge 14.3 maawa pavhiki, kana maawa maviri pazuva) pa $ 30 / hr ichakuunza imwe $ 1,500.
Zvichida iwe unotanga kutsvaga mari inogona kukuunza chikamu chemari iyoyo. Iwe unogona, somuenzaniso, sarudza kutenga nzvimbo inobhadhara iyo inobhadhara madhora mazana maviri pamwedzi "mumutengo wakachena wemari" (mari yakasara pashure pokubhadhara mari yose).
Zvichida unototanga kutanga kutarisa basa idzva nemari yakakwirira.
Chinonyanya kukosha ndechekuti kuburikidza nekushandisa mari yekubhadhara mari (pane mari yekuwana mari-yekuti mari yako), iwe unofunga kuti iwe unoshandura kubva pane "kugadzirisa zvikwereti zvako" uye "kuunza mari yakawanda." Icho chisimba chepfungwa.
Zvisinei, ndine mavhavhaki maviri anokosha: Kutanga, usashandisa nzira iyi sechikonzero chokutanga kurarama pamusoro pezvinhu zvako. Kana iwe ukawana $ 4,000 uye iwe unotarisira kurarama semunoita $ 5 500, une chinangwa chikuru. Asi iwe unofanirwa kubvisa mari yako kusvikira wawana $ 5,500.
Chechipiri, dzivisa mararamiro hyper-inflation. Vanhu vazhinji vanopedza mubhadharo wega wega. Zvese mari yako uye mari yako inofanira kuwedzera maererano nekuwedzera kwebhadharo. Cherechedza kuti mumuenzaniso uri pamusoro apa, mari yekuchengetedza inosvika $ 1,800 pamwedzi - $ 1,500 mu "kuchengetedza" pamwe ne $ 300 " kubhadhara motokari iwe pachako " -kubatanidzwa mune chinangwa chemari.
Pro's: Inoita kuti iwe ucherechedze pakuita mari pane kuderedza mari. Iwe unotanga nerunyorwa rwezvinhu zvaunoda kuita. Zvino iwe unotora nzira yekuita kuti izvozvo zviitike. Kupa simba uye mukana-wakavakirwa.
Con's: Zvinogona kutungamirira kumararamiro emitengo kunze kwekuti iwe uri kuisa chikamu chakasimba chemari yako yekuchengetedza.
Zvinonyanya kukosha: Vanhu vanofadzwa nemikana mitsva. Vanhu vane, kana vanoda kutsvaga, mitsva yakawanda yemari.
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Chikamu Cherechedza kubva kuna Paula, Mutungamiri Wako wekubhadhara mari
Pandakasika mabhizinesi ekushandira bhajeti , ndakatarisa "Ratidza Pfuma Yako" seChikamu Chekutanga.
Ndinosarudza kuita izvi nokuti kuongorora mari - kwete pane mari - ndiyo nzira inowanzoshandiswa nevanhu kugadzirisa bhajeti.
Zvisinei, "nzira inowanikwa" ndiyo haisi iyo "yakanakisisa" nzira. Ndapedza makore akawanda ndichikurukura bhajeti uye kutarisira mari nevanhu vari munyika yose, uye ini ndinotenda zvakasimba kuti hapana imwe chete "yakanakisisa" nzira. Mari yemari yako iwe pachako , uye iwe unofanirwa kusarudza nzira inokodzera unhu hwako uye chimiro. Nzira yaunosarudza haina kukosha kudarika zvaunowana.