Kutevedzera bhajeti zuva roga roga kunogona kupedzisira kubviswa
Kutaura zvazviri, kugadzira bhajeti kunogona kuderedza kushushikana nekuvandudza hutano hwako nokuti hunoita kuti utore hupenyu hwako.
Nezvimwe zvekudzoka pamakumbo ako mushure mekunyorwa kwekwereti, ona zvinyorwa izvi:
Kurarama uye Kubudirira Pashure Pokufa Bhuku: Kutanga
Kurarama uye Kubudirira Mushure mekuputsa Bankruptcy: Kutora Stock of the Future
Kuponesa uye Kubudirira Pashure Bhupfumi: Emotions, Chikamu 1
Kuponesa uye Kubudirira Pashure Bhupfumi: Emotions, Chikamu 2
Kupona uye Kubudirira Pashure Kokufa: Kubhadharwa Kwakafanira
Kupona uye Kubudirira Pashure Pokubhadharwa: Chikwereti Chekwereti
Kupona uye Kubudirira Mushure mekushaya Bhengi: Kuwana New Credit
Unganidza Mari Yako Inoshandiswa
Nhanho yekutanga yekugadzira bhajeti ndeyokuwana uye kuunganidza zvose zvamunotora pamwedzi. Izvi zvinosanganisira zvose zvaunobhadhara pamwedzi wega wega, zvakadai sekubhadhara mari kana kukwereta, makadhi emakwereti, zvishandiso, kabato, Indaneti, nezvimwe. Uchazofanirawo kuwana chero zvikwereti zvaunofanira kubhadhara kashoma pamwedzi, zvichida zvichida auto inshuwarisi kana motokari yokunyora.
Kana uchinge uine zvose zvaunoshandisa pamwe chete, wakagadzirira danho rinotevera.
Zvechokwadi, zvakawanda zvekutora kwako hazvigadziri mwedzi woga woga. Kudzokorora chirevo chako chekuongorora chekuita kuchakubatsira iwe kuenzanisa iyo mari inoshandiswa kubva pamwedzi kusvika pamwedzi sezvokudya, varaidzo, uye mishonga yezvechiremba.
Tsvaga Zvaunowana
Kuenzanisira kunze kwekuwana mari yako yemwedzi kunofanira kunge iri basa rakanyanya kureruka pane kuunganidza pamwe chete zvese zvezvikwereti. Vanhu vazhinji vanobhadharwa vhiki mbiri, kuitira kuti mabhadharo enyu emabhadha kana mabhishopu ebhengi vakuudzei zvaunoda kuziva. Kana iwe uchigamuchira chero imwe mhando yemari inowanikwa pamwedzi kana kuti kazhinji, nguva dzose, iva nechokwadi chekucherechedza. Iwe unoda kuve nechokwadi chekuti unongotarisa kune yako mushure mekubhadhara mutero, hazvina musoro kuti uwane mari mubhajari yako iyo inotorwa nokukurumidza nehurumende!
Ita Chikamu Chokubhadharwa Kwebhajeti Yako
Iwe unogona kutanga kuumba bhajeti yako mune rimwe remashoko ekugadzirisa shoko kana se Excel spreadsheet pamakombiyuta yako kana nzira yekare yakasikwa (noruoko, zvechokwadi). Gadzira mutsara wegore negore. Gurai chikamu mumari inowanikwa nguva dzose uye musinganzwisisi mari.
Verengai mari yako yakawandisa kuburikidza nekuwedzera muwandu hwemari yaunowana mune gore iyo isiri yako yekubhadhara nguva dzose, nekuparadzanisa ne 12 (mwedzi 12 pagore). Somuenzaniso, kana iwe uchibhadharwa $ 3 000 kamwe chete pagore munaJune, gurai $ 3,000 nemwedzi gumi nemaviri kuti muve nemari yakawedzerwa mari yakawanda ye $ 250 pamwedzi.
Gadzirai Mari Yekutora Chikamu Chebhadharo Yenyu
Tanga kusika mari yezvikamu chikamu chebhajheji yako pasi kana kuti pedyo ne "Monthly Revenue" chikamu.
Gadzira chikamu chemarudzi ose emari yaunayo mwedzi woga woga.
Mari Imwedzi
Yeuka zvakare kugadzira chikamu chisina kukwana, sezvawakaita nekuda kwekusagadzikana kwemari pamwedzi! Semuenzaniso, kana iwe uchibhadhara $ 150 pagore kuti ubhadhare motokari uye $ 1000 negore nekuda kwehupfighu yemotokari iwe unenge uine chikamu cheNhepfenyuro Inodarika $ 95.83 pamwedzi. Iwe unowana nhamba iyoyo, sepakutanga, nokugovera gore rako rose rega rega zvisina kukwana $ 1,150 nemwedzi 12. Nokuda kwezvisina kukwana mari, sarudza iyo $ 95.83 muakaunti yekuchengetedza kuitira kuti iwe uve nemari yakakwana apo nguva inosvika yekubhadhara!
Heino urongwa hwezvinhu zvinodhura kuti uite:
- Automobile
- Gesi
- Kugadziriswa, mafuta anoshandiswa, kumwe kugadziriswa
- Kubhadhara mari uye mitero
- Kubhadhara chikwereti
- Bhizimisi Mari
- Chengeta mirairo
- Mari yebasa
- Charity
- Childcare
- Kubysitting
- Mwana anotsigira
- Nguo
- Credit Card Chees
- Gore negore, nguva, nguva yepamusoro nemimwe mari
- Mutero weMwedzi
- Dzidzo
- Chidzidzo
- Mabhuku
- School supplies
- Masoja omumunda
- Misc. mari
- Chikwereti chekwereti chevadzidzi
- Zvokudya
- Groceries
- Kudya kunze
- Zvipo
- Nezveutano
- Chiremba anoshanyira
- Eyeglasses
- Zvinyorwa
- Pamusoro pemishonga inoshandiswa uye zvinowedzera
- Mhuri
- Mari yekubhadhara / Kutenga chikwereti
- Associationowner's association inobata
- Simba
- Zvigadzirwa
- Imba yekugadzirisa nekugadzirisa
- Inishuwarenzi
- Automobile
- Vaimba pamba kana vashandi
- Utano
- Upenyu
- Kuremara
- Kutarisira kwenguva refu
- Mugwagwa rubatsiro
- Job cost
- Kudzorerwa
- Nguo
- Professional dees
- Kufarira uye Kuita
- Mabhuku, magazini
- Mafirimu, Cable
- Imitambo, zviitiko zvemitambo
- Hobbies
- Pet Care
- Zvokudya
- Zvigadzirwa
- Veterinarian
- Savings
- Kurega basa
- Investments
- Emergency fund
- Mitero
- Inowanikwa
- Property
- Utilities
- Mvura, kushambisa, tsvina
- Electricity
- Gesi
- Cable neInternet
- Nhare / Cell phone
- Zororo :
Bvisa Matengo kubva muNhare
Bvisa mari yako yose mwedzi wega wega kubva pamari yako yose mwedzi wega wega kubva kubhadharo yemari yako. Chinhu chose chakasara chinogona kuiswa mune mari kana mamwe makero. Kana uine maonero asina kunaka mubhajheji yako, unofanira kuderedza mari yako (kana kuwedzera mari yako).
Budget Table
Mari yako inogona kutarisa chimwe chinhu chakadai:
| Inowanikwa | |
| Nguva dzose Mari | $ 3,000 |
| Irregular Income | $ 250 |
| Nheyo Yose | $ 3,250 |
| ---------- | ---------- |
| Zvinodhura | $ 3,250 |
| Electricity / Gas | $ 200 |
| Nharembozha | $ 100 |
| TV yeTerevhizheni / Internet | $ 150 |
| Zvokudya | $ 700 |
| Credit Card Payments | $ 200 |
| Zvose zvinodhura | $ 4 600 |