Mazano Okugovera Chikwereti Chekwereti Neumwe Munhu Akasiyana
Unogona kuwana kadhi yekadhi yemakadhi yekwereti nemumwe wako, shamwari yako, kana kunyange mwana kuti uite nyore kubhadhara mari, kubatanidza hupenyu hwako, kana kuti kubatsira munhu iyeye kuwana mari yakanaka yekwereti. Kutarisira kambani yekodha yemakadhi yekodha hakusi nyore nguva dzose. Iwe unofanirwa kukurukura zvinhu zvose zvaunenge uchisarudza paunenge uine kero yako keroti rechikwereti.
Isa Maximum Balance
Iwe unogona kusarudza chikwereti chako chemari chikwereti chinowedzera kushandiswa. Kufunga kuti kuwedzera kadhi rako rechikwereti hakusi kunaka kwekwereti yako chikamu, zviri nani kusarudza mari yakaderera. Zvakanaka, iwe haufaniri kutakura chikwereti icho chinopfuura 30% chekwereti chako chikwereti. Ndiyo $ 300 pane kadhi rechikwereti rine $ 1,000 muganhu. Kuisa huwandu hwekuchengetedza kunodzivirira iwe uye imwe chikamu chekwereti chikwereti chekambani uye unochengetedza muganhu pazinga rinokwanisa
Isa "Chibvumirano" Chiyero Chekutenga Zvikuru
Ratidza muganho mukuru wekutenga waunoshandisa sehutungamiri wekutaurirana nezvekutenga usati waita.
Nenzira iyo, hapana zvinoshamisa kana iwe uchidzoka kumba nemutengo unodhura apo wawakaroorana naye akagadzirira kuzvigadzirisa, kana, kunyanya kuipa apo mutero unouya. Kana iwe uchida kutenga pane kana pedyo nemuganhu, kurukura newawakaroorana naye kutanga. Somuenzaniso, unogona kusarudza kuti iwe mose munofanirwa kubvumirana pane chero kutenga kune $ 200.
Regai Mumwe Munhu Azive Iwe Wakaita Kutenga
Iwe haufaniri kutanga kutaurira zvose zvaunoita kumudzimai wako kana shamwari kana iwe usati watova. Ndiyo pfungwa yakanaka yekugovera ruzivo urwu, saka mumwe muiti webhuku anoziva kuti pane musiyano mubhadharo rekadhi rechikwereti kana iye (kana iye) achienda kuzishandisa kana kana mutero unouya.
Chengetedza Balance Pamberi Kutengesa
Usatora zvishoma kuti ibhadha rekodhi yakangofanana neyo ndiyo yekupedzisira iwe wakaiongorora. Iwe hauzombozivi kana imwe nyanzvi yebhuku ichashandisa kadhi. Kushanya nokukurumidza kune dhipatimendi rebasa rako rekubhengi kwekambani yekwereti kunogona kukuchengetedza kuti usapfuurira kune yako yaunobvumirwa kushandisa mari yako kana kupfuura, chikwereti chako chikamu.
Sarudza Ndivanaani Vari Kubhadhara Bhiri
Kana iwe vaviri iwe uchibhadhara zvikwereti pamwe chete panguva imwe chete kubva mubhuku rimwe chete, kusarudza kuti bhadharo ichabhadhara chii chakareruka. Kana iyo isiri iyo kubhadhara mari inoshanda mumba mako, unofanirwa kusarudza mberi kuti ndiani wenyu achabhadhara chikwereti. Kana mumwe munhu achizobhadhara chikwereti, mumwe wacho achaisa mune zvimwewo mari here?
Kunzwisisa Mudiwa Wako Kushandisa Miitiro
Kana iwe uri mukuru spender uye wako wega is tightwad, iwe mose munoda kunzwisisa kuti izvo zvichaita sei kugovera kadhi rechikwereti. Iwe unogona kuda kuparge nekadhi rechikwereti, kana wako wako asingadi.
Ikoko ndiko kushandiswa kwemiganhu uye kukurukurirana zvisati zvatanga kutenga zvakawanda. Kuziva kuti waunofambidzana naye zvinounza sei zvishamiso zvishoma.
Ziva Kadhi Inoshandisa Mbiri Yenyu Yose
Pasinei nokuti une kambani yakabatana kana kambani nemumwe munhu akakodzera, chikwereti chikamu chechikwereti chinokanganiswa nemukati wechikwata. Kutaura nezvezvemari, unofanira kufunga kaviri nekuwedzera mumwe munhu ane zvakaipa chikwereti kuunti yako. Nhoroondo inoratidza kuti munhu haakwanisi kutarisira chikwereti. Iva wakagadzirira kutora mutoro wemukana wako asingashandisi kushandisa mari nokuti ndiyo iyo kugovana kadhi rechikwereti kune.
Zivai Ramifications dzeSplit
Zvinosuruvarisa, kwete hukama hwose husingaperi. Kana iwe ukaputsa newaini yako mubati wechirungu, iwe mose muri vaviri vane mhosva yekubhadhara chikwereti chekadhi rechikwereti.
Hazvina kana mutemo wekurambana unoshandura maringe echibvumirano chokutanga. Kana mutongi achiti mumwe nemumwe wenyu anopa hafu yebhadharo uye wako wekare haafaniri kumisa (kana kuti) kumugumo webvumirano, kadhi rechikwereti haatarisi - iwe mose muri vaviri munofanirwa kubhadhara kubhadhara. Iwe unofanirwawo kuchenjerera kubhadhara mari - apo anotsamwa anokwidza chikwereti chekadhi rechikwereti uye haanetseki kuripira. Chikwereti chekwereti chikwereti hachikwanise kuti iwe uvhare kadhi yekadhi yemakadhi yekwereti kusvikira mabhiriro awanikwa, kuitira kuti mumwe mubati wekambani agone kuramba achibhadhara paunenge uchishanda kubhadhara chikamu.
Kugadzirisa kadhi rekodhi yemakadhi kunonyoreka apo vose vane vheji vane maitiro akafanana ekushandisa mari uye zvinangwa zvemari. Kana pane musiyano mukuru pakati pekushandisa kwemari yako - sefrifty spender ane hukuru hukuru spender - zvinogona kukonzera matambudziko. Kukurukurirana ndicho chinhu chinoita kuti uone kuti kushandisa kadhi kadhi rechikwereti hazvikuvadzi zvose chikwereti chako kana ukama hwako. Zvakanakisisa kuita zvisarudzo pamusoro pekushandisa kadhi rechikwereti usati wawana kadhi. Ivaise mukunyorera, saka zviri nyore kutaurira kwavari pose pose paine mubvunzo kana kusahadzika pamusoro pechibvumirano.