Kuumba Budget Hazvifaniri Kuva Zvakaoma
Chii chinonzi Budget?
Bhiriji inongova kuparara uye urongwa hwehuwandu hwemari yaunopinda uye kuti unobuda sei mwedzi mumwe nomumwe.
Iwe unogona kufungidzira bhizinesi richibudirira kana risina kuchengeta zvarinowana uye mari? Izvozvo ndizvo zvinoitika kana zvasvika pamari yako pachako . Pasina bhajeti yakajeka uye hurongwa hwekushandisa mari yako mwedzi wega wega, nzira yako yekubudirira mune zvemari inogona kuguma kuva nhamo yakawanda kupfuura iyo inoda kuva.
Kutya kukuru kwevanhu vakawanda pavanenge vaine bhajeti ndeyekuti vachatoda kukurumidza kuderedza mari yose inofadza - zvinhu zvakadai sepamwe nguva kafi kana kuti kudya kwemanheru, mafirimu usiku, kana kunyange rwendo kuenda kune vanamwari vezororo. Iyi ndiyo nzira isiri iyo yekufunga nezvesarudzo yako. Muzvokwadi, bhajeti isiri chinhu, kwete chirango.
Nepo iwe ungawana kuti iwe unoda kuderedza kushandiswa kwemari mushure mekubatanidza bhajeti, pasina kugara pasi nekusika imwe, hazvigoni kuziva kuti mari inofanira kuderedzwa, kana iripo. Zvisinei, haufaniri kubvumira kutya kwekutadzisa kushandisa kwako zvishoma kunomisa iwe kutora mari yako.
Kuita Bhijeti: Tanga Nemari Yako
Nhanho yekutanga mukugadzira bhajeti ndeyekutarisa mari yakawanda yaunayo mwedzi woga woga. Izvi zviri nyore uye zvinowanzodikanwa kuti iwe utarise purogiramu yako yebhasi. Zvechokwadi, kana iwe wakaroorwa, iva nechokwadi chokuti unosanganisira mari yawakaroorana naye zvakare. Mukuwedzera kune iwe unobhadharwa muripo, iwe unodawo kuisa chero imwe mimwe midzi yemari iwe unogona kuva nayo, zvakadai sezvikamu, chikwereti, bhizinesi rega, nezvimwe zvakadaro.
Asi zvakadini kana iwe uri freelancer kana kuti shandisa bhizinesi uye iwe hausi kugara uchigara wevhiki nevhiki kana yebhaekly paycheck? Muchiitiko ichocho, iwe uchada kushandisa mutemo wevheji kuti uone zvaunowana. Tarisa pamari yako yegore rakapera, saka chiverenga chiyero chemwedzi. Izvi zvinogona kukupa purogiramu yekutanga yemari yekuumba bhajeti yako.
Kuchengeta Kushandisa Kwemwedzi Wako
Imwe hafu yemari yekugadzirisa bhajeti iri kuwedzera mari yako yose yemwedzi. Tanga nemari yaunogara iwe uye yakasarudzwa iwe, yakadai sekubhadhara mari yako kana kukwereta, motokari yemari, inshuwarisi, chikwereti, nemitero. Kune vanhu vakawanda, izvi zvichave zvakasarudzwa, zvichireva kuti haugone kuchinja nyore mari iyo inokonzerwa mwedzi mumwe nomumwe. Zvakanaka, zvakadaro, nokuti zvinogona kuita kugadzirisa bhajeti yako iri nyore apo iyo inodhura haina kuchinja zvakanyanya.
Mushure mekunge makanyora mishonga yenyu yakagadzirirwa mwedzi wose, inguva yekuchera zvakadzika kuti muwane kupi pane imwe mari yenyu inofamba. Bvisa bhuku rako rekuongorora kana kutora bhodhi yako yemazuva ekupedzisira kuti ikubatsire neshato iyi. Nyora pasi mari yaunopedza pazvinhu zvakadai sezvinhu zvinobatsira, zvekutengesa, zvekuvaraidza, zvinyorwa, nezvimwe zvakadaro. Iri pepa rinoshanda rakanaka rinogona kukubatsira nekuchengeta nheyo dzemari.
Imwe nzira yekutsvaga mari yako yekuenzanisa inobvumirana nekaunti yako yekuongorora kana makadhi echikwereti purogiramu yebhajeti seMint . Izvo sangano racho rinonyora zvaunenge watenga iwe uye iwe unogona kushandisa mari kutenga kana kutora kubva kubhangi yako yebhangi. Iwe unogona kushandisawo purogiramu yekuumba bhajeti yako uye kuisa zvinangwa zvekuchengetedza.
Kuumba bhajeti yako
Kana uchinge wava nemari yako yose uye mari yako yose, danho rinotevera riri nyore. Iwe unongotsvaga kubhadhara mari yako kubva pamari yako.
Zvakanaka, iwe unofanirwa kuva nemari yakasara kana kamwe chete yako mari inoderedzwa. Iyi haisi mari yaunofanira kungopedza, zvisinei. Iyi mari inogona kushandiswa pakuvaka mari yako yekuchengetedza yakaoma , kubhadhara chikwereti kana kubhadhara chimwe chinangwa chemari.
Usanetseka kana iwe uine nhamba isina kunaka nguva yekutanga iwe uchiita bhadha yekuverenga.
Chikonzero chose chekuumba bhajeti ndechekuona kusakwana uye kuziva kuti ungataurire sei. Kazhinji iwe uchaziva kuti nokungoita zvishoma zvishoma zvishandiso pamashandisiro ako, iwe unogona kuchinja zvakanyanya mamiriro ako ezvinhu.
Zvichida izvi zvinoreva kuzvidzora pane imwe yemabhadharo enyu emagazini, kudya kamwe kamwe nguva mwedzi, kana kungozvirova chete mumasine pane nzvimbo yepakuvona movie. Kazhinji, kungochengetedza madhora mashomanana pano uye ikoko kunogona kukwana kuti usangoita chete kuti iwe unopedza zvishoma kudarika iwe unowana, asi zvakare kushandisa mari shoma shoma kune zvinhu zvakadai sepamusoro-chikwereti chikwereti chekwereti kana kuchengeta mari yako .
Yeuka kuongorora bhajeti yako mwedzi woga yoga uye funga nezvekuchinja chero kupi zvako mumari yako kana mari. Mari yako inofanira kuve yakagadzirirwa kushanduka sezvo mamiriro ako emari ari kuchinja, saka iwe unogona kugadzira nheyo yepamusoro.