Envelope Budgeting NaCash
Heino nzira iyo inoshanda.
Gadzira pepa rako rebhadhiro , kuronga mari yauchazoshandisa mune imwe nhengo yenguva yakati kana iine mwedzi wega kana bha-yevhiki nevhiki. Bhadhara mabhiriro ako ega ega ega ega ega, nekunyora cheki kana kubhadhara paIndaneti. Nokuda kwezvinhu zvinoshandiswa - kutengesa, gesi, varaidzo, nezvimwe - iwe uchishandisa bharopu yako bhajeti. Iwe unoda imwe vhokupepe yega rega bhajimi. Nyora zita remutambo uri mberi kwevupurupiti uye ugoisa mari yakagoverwa mumharopepu. Semuenzaniso, unogona kuva ne $ 200 muvhopupe yezvokudya. Paunenge uchitenga, shandisa mari iri muvhopupepu yechikamu ichocho. Kana imwe yemvupurupa isina chinhu, haugone kutenga chimwe chinhu pane iyo kunze kwekuti iwe "ukwereta" mari kubva kune imwe nzvimbo.
Envelope Budgeting neDebit Card
Chimwe chezvipingamupinyi zvevhopupeji yekugadzirisa mari ndeyekuti inoda mari. Kana iwe uchigamuchira mubairo wako pamagetsi, izvi zvinogona kureva rwendo rwokuenda kubhangi kuti ubudise mari kune mavulopu yako.
Iwe unogona kuvhara muvupurupa yehuwandu hwemari kunyange iwe uchida kushandisa yako debit kadi, asi inoda zvishoma (nyore) masvomhu uye imwe kuchengeta rekodhi.
Pavharopepe imwe neimwe, nyora chikamu uye mari yawakabvumira kune iyo. Iti, iyo imwechete $ 200 yekutengesa. Zvadaro, pose paunenge uchitenga, kubvisa chikamu chekutenga kubva pachiyero chebhajheji.
Kana iwe wakatenga madhora makumi mashanu mune zvekutengesa unogona kunyora $ 200- $ 45 = $ 155. Ita ichi nguva imwe neimwe yaunotenga mutengo kusvikira paine $ 0. Iwe unogona "kukwereta" kubva kune mamwe mapoka, zvakare. Ingoita kubvisa pane chikamu chaunokweretesa kubva, semuenzaniso Kuita $ 100- $ 25 = $ 75 uye kuwedzera kune chikamu chiri kukwereta mari, eg Groceries = $ 0 + $ 25 = $ 25.
Tiri kushandisa izwi rokuti "kukwereta" pachena nokuti haufaniri kubhadhara mari yacho kune rimwe divi. Zvinongoreva kuti une mari shoma yekushandisa muboka rakakwereta mari.
Smartphone Apps for Envelope Budgeting
Kana kushandisa mavuputiki sechinyakare-kana kufanana nebasa rakawandisa, unogona kukanda purogiramu yakadai seGoodBudget kana maBuvelopes, zvose zviripo zveIOS neAroid. Kubatsirwa kwepurogiramu ndechokuti iwe unogona kutarisa zviyero zvako chero kupi zvako pa-ku-kuenda pasina kuvhara mavhopu maviri.
GoodBudget haibvumirane nekambani yako yebhangi, izvo zvinoreva kuti iwe unofanira kutumira zvinyorwa zvako. Izvi chaizvoizvo zvinobatsira kune ani zvake ari kusvitsa kwekubvumira mapurogiramu kuti aungane kuvanhoroondo dzavo dzebhangi. Muvhuro unopa humwe hutano uye hunobvumirana neakaunti dzebhangi (zvichienderana nesangano).
Zvose idzi dzine shanduro dzakasununguka dzinopa nhamba shomanana ye mavuputiki uye zvinyorwa zvinyorwa zvinowedzera huwandu hwevhikipiki nezvimwe zvinhu zvaunogona kuwana. Semuenzaniso, maMuvelopes anopa chikwereti kukonzera chirongwa pamwe ne $ 10 / mwedzi weChishanu.
Nzira yeEvelopppipe Budgeting Inobatsira Sei Nekwereti?
Saka ikokuvhapiro yekubhadharo yakakubatsira sei kubhadhara chikwereti? Izvo zvose pfungwa yekuvharapa inofungidziro, kana kugadzirisa bhajheji zvachose, ndeyokushandisa mari yako munzira, kuderedza mari yako, uye kuti uve nemari yakasara pamagumo emwedzi mumwe nomumwe kuisa kune chikwereti chako (kana zvimwe zvinangwa zvemari kana uine ' ndakabhadhara chikwereti chako). Kana iwe usinganyatsocherechedza kushandisa kwako mari , iwe unogona kutora mari nyore nyore, kunyanya nebhadhiro yako yebhadhiro nokuti hauna chaicho chaicho chekukanganisa kwemari yako.
Invespeji bhajeti inochengetedza zvinhu zvose zvakaparadzana uye inokupa maonero anooneka pamusoro pemamiriro ako emari. Iwe unogona kutaurira nyore paunoda kubvisa mari yako kuti urambe uri munzira nebhajari yako.
Pakupera kwemwedzi, shandisai mari yose yakasara mumabhopufomu uye isai kune chikwereti - chikwereti chenyu chechikwereti chakanyanya kudarika, chikwereti chikuru chechikwereti chikwereti, kana chimwe chikwereti chawakasarudza kuti ubhadharwe . Kana uri kushandisa cash-based envelop budgeting, iwe unofanira kuisa muakaunti yako uye kunyora cheki kana kutenga mari yekuda mari nokuti haugoni kubhadhara zvikwereti zvekadhi yemakadhi nemari. Kana ukashandisa kadhi yako yemari panzvimbo yemari yemari, zvino wedzera zviyero zvakasara pane imwe vhokupepe, simbisa chiyero ichi muchikwereti chako chekutarisa, uye nyora cheki chechikwereti kune umwe wevakoti.