Kana iwe uchibhadhara kamwechete pamwedzi inogona kuita bhajeti zvose zviri nyore uye dzakaoma zvikuru panguva imwe chete. Kana iwe uchibhadhara kamwe chete pamwedzi unogona kubhadhara mabhidha ako ose pakutanga kwemwedzi, uye iwe haufaniri kunetseka pamusoro pekuisa pane imwe chikamu kubva pane imwe neimwe yekubhadhara kuti uvhare renti yako kana iwe unotora chikwereti. Izvi zvinoita kuti ubhadhara zvikwereti zvako nyore nyore. Zvisinei, zvakaoma zvikuru nokuti zviri nyore kupfuura nemari yako yose nokukurumidza nekusiya iwe kupera pamagumo emwedzi mumwe nomumwe. Iwe haufaniri kukanganwa kuronga kwemazuva ekubhadhara mari paunoronga bhajeti yako. Heano mamwe mazano ekuita bhajeti nyore kana iwe uchibhadhara kamwe chete pamwedzi.
01 Chengetedza Zvikwereti Zvose Pamwechete
Izvo zvakaoma iwe unogona kuva nazvo ndezvibhadharo zvinoshandura zvakadai sekushandisa mari yako. Kana izvi zviri izvo iwe unogona kutaura nekambani kuti uone kana iwe unogona kuchinja zuva rako rekubhadhara. Kazhinji kambani dzinoda kushanda newe kuti uchinje zuva rakakodzera. Iwe unofanirwa kuvawo uchiisa mari imwe neimwe mumwedzi wega woga mune mari. Izvi zvingakubatsira kuti urege kurarama kubva pamarikiti kuti ubhadhe .
02 Isa kuCash chete kweZvamwe zveBabhadha Yenyu Zvinhu
Shandura zvakasara zvikamu mubhajheji yako kune invopepe system kana kuti pane mari chete. Izvi zvinoreva kuti iwe haungashandisi kadhi yako yebhadharo zvachose, asi uchongoshandisa chete mari yeboka rimwe nerimwe kuti utenge zvaunotenga. Iwe unogona kubvisa mari kubva kubhangi rako pakutanga kwemwedzi uye woisa mari yakakodzera mune imwe nhengo. Izvi zvichaita kuti urege kukurira mari yako yose mukudya kunze kwevhiki yekutanga sezvo maitiro akaparadzaniswa kare uye iwe unoziva kumira kushandiswa mune rimwe boka kana iwe uchinge usina mari.
Kushandisa mari kune chinhu chikuru kana iwe uchivenga kutevera kushandisa kwako. Iwe unoziva kurega kupedza paunenge usina mari. Izvi zvinotsanangura nzira uye inodzivirira mari yaunoda kuishandisa pane zvekutengesa kubva kushandiswa apo paunoenda neshamwari pamusoro pevhiki.
03 Gurai Mapoka Makamu Makiro Evhiki Yese
Kana iwe ukawana kuti iwe unopedza mari yako yakawanda yekudyira pakutanga kwemwedzi kana kana iwe uine nguva yakaoma nezvimwe zvikamu zvakadai sekuvaraidza, ungada kugovera izvi kuva zviduku zvigumi zvevhiki. Iwe unogona kuisa muganhu wevhiki imwe neimwe, uye ingotora iyo iyo purogiramu newe kana iwe uchienda kunotenga. Iwe unogonawo kuita mavhopu mavhiki ega ega. Iyi ndiyo nzira yakanakisisa yekurega overspending. Iyo inogona kukubatsira iwe kurega kudya mahairi uye mucheka pamagumo emwedzi woga woga uye kukubatsira iwe kuramba uchifamba.
Izvi zvinokosha kana iwe uchida kuita basa rako rebhajheji uye mari yakasara pamagumo emwedzi. Kana iwe uri kumhanya mune nhau uchishandisa kadi yako yebhadharo, kushandura kune mari uye kugovera kusvika mumashandisirwo emagumi ega kwevhiki kunogona kuita kuti bhajeti itange kukushandira iwe.
04 Bata kuDhura Zvikamu
Chinokosha pakuzviita kumagumo emwedzi woga woga kunamatira pamiganhu yako yevhiki yega yega yega uye kuti usapedzisira uri mune chimwe chikamu. Sezvaunoshandura pamari yezvivaraidzo zvako, zvekudya, uye zvekupfeka mari, iwe uchakurumidza kudzidza kudzivisa overspending. Zvakakosha kurega kupedza kana iwe uchinge usina mari. Cash inogona kukubatsira iwe kuita izvi, uye kuisa mitemo yevhiki nevhiki kunogona kubatsira zvakare. Zvakakosha kuve nechokwadi chokuti haukanganwi huwandu hwemari . Iwe unogonawo kutarisa nzira itsva dzekuchengetedza mwedzi mumwechete kuti ukubatsire kubatisisa kumiganhu yako yekushandisa.
05 Gadzirai Emergency Fund
Kana iwe uchibhadhara kamwe chete pamwedzi, mwedzi unogona kunzwa urefu, kunyanya kana iwe uchimhanya mune zvisingatarisirwi mari yakafanana nekugadzira motokari nezvimwe nyaya. Mari yekukurumidza inogona kukubatsira iwe kutarisa iyo mari usingabhadhari bhajeti yako. Apo iwe unongorayirwa chete kamwe chete pamwedzi, zvinotonyanya kukosha kuti uve nechikwata chekukurumidzira nokuti dambudziko rinogona kudya mari yako yose pakutanga kwemwedzi uye kukusiya iwe uchirwisana nevamwe vose. Kuisa $ 50.00 pamusi wevhiki kuti uwane mari yekukurumidzira kuchakupa kutanga kwakanaka. Iwe unogona kushandisawo mabhonasi kana mitero yekubhadhara kuvaka imwe.