Kugoverana Zvingave Zvisingaiti Nguva Zvose Kuchengetedza Kana Mari Inobatanidzwa
Iwe uri muponesi. Zvinorwadza iwe kuparadzana nemari nokuti unofunga nezvebasa rakaoma rawakaenda naro kuti uriwane.
Wawakaroorana naye anoda kushandisa mari nokuti anofunga nezvekufadzwa kwekutenga.
Kana zvichida mamiriro ako akadzoka. Zvichida iwe ndiwe mukuru spender, uye wako wako isingatauri penny-pincher.
Pasinei nokuti ndiani anotamba basa iro, mamiriro ezvinhu ari kukuvadza ukama hwako .
Iwe nemumwe wako munofanirwa kuziva nzira yekubatanidza mari yenyu muhutano, yepamusoro kana yakaipa.
Iwe unogona sei kutsungirira nemamiriro ezvinhu aya ? Edza izvi mazano matsva:
Simbisa "Yako," "Mine," uye "Ours" Account
Isa gwaro rimwe chete rebhangi kubva kwauri kubhadhara mabhizimusi ako akabatanidzwa , akadai sendire yako kana kutengesa mari, zvishandiso, zvekudya, gesi, nezvimwe zvinodiwa zvekugara mari.
Mukuwedzera, gadzirisa nhaurwa dzakasiyana umo mumwe nomumwe wavo ane mari shoma yakawanda yavanokwanisa kupedza asi ivo vanoda. Muchibvumirano unobvumirana kuti mumwe nemumwe anowana kushandisa mari iyi nenzira ipi neipi yakanakisisa, uye mumwe wacho haagoni kutaura chero chinhu chipi zvacho (achifunga, zvechokwadi, kuti mari inoshandiswa kune chimwe chinhu chiri pamutemo uye chetsika).
Kana imi vaviri mukagadzirisa nhoroondo iyi , vaviri vakaroorana vanofanira kubatisisa kutonga kuti havagoni kutaura izwi rinopesana pamusoro pekuti mumwe wake anoshandisa sei mari yake, pasinei nokuti vanofunga sei.
Ichokwadi, zvakanakisisa kuti vaviri vakaroorana varege kutaura chero maonero.
Ramba wakanyarara pamusoro pemumwe wako waunotenga nenzira yaunoda nemunhu waunoziva. Iyi haisi mari yako; iyo mari yemudiwa wako, uye nekuda kwehukama hwako, iwe mose makabvumirana kuti munakidzwe nekuzvipira kwakakwana pane chikamu chebhajhini yenyu.
Iwe Unofanirwa Kubhadhara Mari Ipi ?
Vose venyu munoda kushamwaridzana mushure mokusarudza kuti inguva yenyu yakawanda sei iyo inofanirwa kuva. Vamwe vakaroorana vanosarudza kuchengeta imwe nhoroondo dzinomiririra mari yakafanana yemari, yakadai se 1 muzana kana 2 muzana yemhuri yavo yose bhajeti.
Kana vakaroorana vanounza $ 5,000 pamwedzi pamwe chete, semuenzaniso, uye vanopa 2 muzana yemari iyo mari kumabhuku avo ega, ivo vose vachawana $ 50 pamwedzi ($ 100 muzana) kutamba navo sezvavanoda.
Vamwe vakaroorana vanosarudza kuchengetedza chikamu chikuru cheimba yavo yebhajeti mumabhuku avo ega, se5%, 10 muzana, kana kunyange makumi maviri.
Kana ivo vaviri vakaroorana vanounza pamwe chete ne $ 5,000 pamwedzi vanosarudza kupa 20 muzana yemari yavo kune iyo purogiramu, zvino mumwe nomumwe wavo anowana $ 500 pamwedzi kuti atorerega asi vangada. Mumuenzaniso uyu, mari inosvika $ 1 000 yakatsaurirwa kumushandi we "wako newangu".
Zvakadini Kana Ukawana Kusiyana Kwakawanda?
Iyi mamiriro ezvinhu anonyadzisa kana iwe nemumwe wako muchiwana mari yakasiyana zvakasiyana nemari.
Uyo anowanikwa nemudzimai wepamusoro anganzwa sokuti iye ari kutsigira muchengeti wemudzimai wepasi, kunyanya kana vaviri vakaroorana vane mari yekuita mari-kunze kwemisha, asi uyo anowana mari yakakwirira anowanzoshanda kwemaawa akawanda.
Mune humwe hukama, izvi zvinogona kuva chikonzero chekutsamwa .
Kune rumwe rutivi, muwani wepamuviri-pasi anokwanisa kunzwa asinganzwisisiki, kunyanya kana iye akatora pahuwandu hwemabasa epamba. Mune mamiriro ezvinhu aya, mudzimai anowanikwa muzasi anganzwa sokunge kuti zvipo zvavo zvepanyika hazvizivikanwi.
Hapana humwe-hukuru-hunokodzera-yose mhinduro yeiyi nyaya. Heano mamwe maitiro :
- Vamwe vakaroorana vanopa mari yakaenzana nemari kumunhu mumwe nomumwe, pasinei nemari yega yega.
- Vamwe vakaroorana vanopa mari kumunhu mumwe nomumwe anenge akaenzana nehuwandu hwavo hwemari. Kana mumwe munhu anounza makumi manomwe kubva muzana emhuri inowanikwa pamwe chete, asi mumwewo mukana anounza makumi matatu emadhora, ipapo mumwe nomumwe anowana kushandiswa kwega ega iyo yakaenzana nemari yavo.
- Vamwe vakaroorana vanobhadhara "mubhadharo" kune wawakaroorana naye anotarisira huzhinji hwemabasa epamba.
Sezvaunogona kuona, izvi zvinomirira nzira dzakasiyana-siyana. Hapana chimwe cheizvi chiri nani kana chakaipisisa kupfuura chero imwe sarudzo, ivo vakangosiyana. Mari yemari ndeye "iwe pachako," naizvozvo unofanirwa kusarudza kuti ndeipi nzira yakanakisisa inokodzera maitiro ako, unhu, uye maitiro.