Itai Bhijhi Yega Muzviito Zvinomwe

Nhungamiro Yakatorwa-Nhanho Kuti Uite Budget

Bhijimenti yega kana yeimba ndiyo inongororwa yakajeka yemari inotarisirwa uye mari inoshandiswa kwenguva yakatsanangurwa, kazhinji mwedzi umwe. Kunyange zvazvo shoko rebhajheti rakanyanyisa kufanana nekuregeredza kushandiswa kwemari sezvo kudya kunowanzoenderana nekudya kusinganzwisisiki, bhajeti inofanira kureva kunyanya kushandiswa kwemari. Bhijheti ichakuratidza kuti mari yaunotarisira kuunza sei pamusoro pezvose zvaunoshandisa kubva kune zvinodiwa mari yakafanana neimba yekubhadhara uye kubhadharira kushandiswa kwekusarura sekushambadzira.

Panzvimbo pokuona bhajeti sechinhu chisina kunaka, chione sechigadziro chekuzadzisa zvinangwa zvako zvemari.

Icho Chibhadharo Chipi

Sezvo iwe pachako uchigadzirisa mari yekubatsira, bhadhiro yakanyorwa, yegore negore inokubvumira kuronga kuti uchashandisa sei uye / kana kuchengetedza mari yako mwedzi woga woga uyewo chengetedza mari yako yekushandisa maitiro. Kunyangwe kuita bhajheti kunogona kunge kusinganzwisisi sebasa rinofadza (uye kune vamwe, iro rinotyisa kwazvo), zvinokosha kuti uchengetedze imba yako yezvemari kuitira kuti huwandu hwemari huchengetedze pahutano. Kana iwe ukashandisa zvishoma mune imwe nzvimbo, unogona kupedza zvakawanda mune imwe kana kusarudza kuchengetedza mari iyo yekutenga kukuru mune ramangwana, kuvaka chikwama che "zuva remvura", kana kunyange kubhadhara.

Iwe usati watanga kuita bhajeti yako, zvakakosha kuziva kuti kuitira kuti ubudirire unofanirwa kupa mashoko akawanda uye akajeka sezvinogona. Pakupedzisira, mugumisiro wekugadzirisa bhajeti yako idzva ichakuratidza kuti mari yako inobva kupi, yakawanda sei, uye iyo yose iri kuenda mwedzi mumwe nomumwe.

Nebhajeti, unogona kutanga kuisa mari yako mberi uye nekurapa mari yako uye ramangwana rezvemari.

Nzira Yokuita Mari Yemajeri

Izvi zvinotevera nhanho yekutsika-nhanho yekuita bhajeti yakarurama uye inobatsira yega.

1. Unganidza zvinyorwa zvese zvemari iwe unogona. Izvi zvinosanganisira zvinyorwa zvebhangi, mabhizimisi ezvikwereti, mabhizimisi ezvezvinobudiswa, uye chero ruzivo pamusoro pekuwana mari kana mari. Chimwe chezviyo muhuwandu hwekugadzirisa bhajeti ndechekugadzira chiyero chepamwedzi, kuitira kuti ruzivo ruzhinji iwe unogona kugadzira zviri nani.

1. Nyora zvose zvekuwana mari yako. Kana iwe uri wekushanda iwe pachako kana une chero kunze kwezvinhu zvekuwana mari, iva nechokwadi chekunyora izvi zvakare. Kana mari yako inenge iri mubhadharo wenguva dzose apo mitero inotorwa zvishoma nezvishoma, saka kushandisa mari yekuwana (kana kutora pamba kumari) yakaisvonaka. Nyora izvi zvakakwana mari semwedzi wemwedzi.

2. Gadzira urongwa hwemari yepamwedzi. Nyora pasi rondedzero yezvose zvinotarisirwa mari yaunoronga pamusoro pekutora mwedzi. Izvi zvinosanganisira kubhadhara chikwereti , kubhadhara motokari, auto inshuwarisi, zvekudya, zvishandiso, varaidzo, yakaoma yekuchenesa, vadzidzi vechikwereti, kubhadhara mari kana kukoroji yekuchengetedza - kunyanya zvose zvaunoshandisa mari pa.

3. Kuputsa mari muzvikamu zviviri: zvakasarudzwa uye zvakasiyana. Fixed expenses ndeavo vanogara zvakafanana zvakafanana mwedzi mumwe nomumwe uye zvinoda zvikamu zvehupenyu hwako. Izvo zvaisanganisira mari yakadai sokubhadhara mari yako kana kubhadhara, motokari yemari, kabheji uye / kana kushanda kwepa internet, picto yefaji, kadhi rechikwereti uye nezvimwewo. Izvi zvinodhura, nokuda kwechikamu chikuru, zvinokosha asi zvisingaiti kuchinja mubhajheji. Zvimwe zvinoshandiswa mari ndeyomufananidzo unoshanduka kubva pamwedzi kusvika pamwedzi uye unosanganisira zvinhu zvakadai sezvokudya, peteroli, varaidzo, kudya kunze, uye zvipo, kutumidza zvishomanana. Ichi chikamu chichave chakakosha paunenge uchigadzirisa.

1. Chengetedza mari yako yemwedzi uye mwedzi yemari. Kana mugumisiro wako wekupedzisira unoratidza mari yakawanda pane mari, iwe uri kuenda kutanga zvakanaka. Izvi zvinoreva kuti iwe unokwanisa kuisa hukuru kune izvi zvakanyanya kune nzvimbo dzebhajheji yako sekuregera mari kana kubhadhara zvakawanda pamusoro pezvikwereti zvekadhi rechikwereti kuti ubvise chikwereti icho nekukurumidza. Kana iwe uri kuratidza mari yakakwirira yepamusoro pane mari, inoreva kuti humwe huchachinja huchafanira kuitwa.

2. Ita zvigadziriswa kune mari. Kana iwe wakanyatsotsanangura uye wakanyora zvose zvaunoshandisa, chinangwa chakanaka ndechokuti uve nemari yako uye mapurisa emari kuti akaenzana. Izvi zvinoreva kuti mari yako yose inowanikwa uye inotarirwa kune imwe nzvimbo inodhura kana kuti yekuchengetedza chinangwa.
   
   Kana iwe uri mumamiriro ezvinhu apo mari yakakwirira kupfuura mari, unofanirwa kutarisa zvinoshandiswa zvinoshandiswa kuti uwane nzvimbo dzekucheka. Sezvo mari iyi inowanzosava inokosha, inofanira kunge iri nyore kuveura mashomanana madhora munzvimbo shomanana kukuunza iwe pedyo nemari yako.

1. Dzokorora bhajeti yako gore negore. Zvakakosha kudzokorora bhajeti yako nguva dzose kuti uve nechokwadi chokuti uri kuramba uri munzira. Mushure memwedzi wokutanga tora miniti kuti ugare pasi uye uenzanise mari chaiyo yezvokubhadhara maererano nezvamakasika mubhajethi. Izvi zvichakuratidza kwawakaita zvakanaka uye kwaunoda kuvandudza.