Maonero ako emari angangochinja zvinoshamisa apo iwe unoroora kana uchiri kana usina kuroorwa. Ndisati ndaroorana, ndaiwanzopedza mari imwe neimwe yandakaita mari imwe neimwe, ndisingambozvidzi chinhu chipi nechipi chandaida uye chaicho chiripo chekubhadhara mari yekubhadhara , kunyange zvazvo ndaiva nedhigiriji yepamunda mundima yangu ndikaita mubhadharo wakanaka.
Murume wangu, kune rumwe rutivi, aigara achishandisa mari shoma shoma, akadya zvakanyanya, uye akatenga mbatya dzisina mari-iyo, apo paakatenga chero zvachose.
Apo patakaroorana, pakanga pane zvigadziriswa kumativi ose maviri pamusoro pokuti tingaita sei mari yedu. Hezvino maitiro atakashandura pfungwa dzedu nezvemari uye akadzidza kushanda pamwe chete kune zvinowanzodiwa mune zvemari.
Kukuziva Iwe Iye Zvino Wakavakwa-Mukuzvidavirira
Pane imwe nguva vaviri vakaroora, kune pfungwa yekuzvidavirira kwezvemari uye yekuita basa kune mumwe wavo. Zvinotowedzera kuoma kuenzanisa zvikwereti izvi zvekutsvaga, iyo yepamusoro-ye-pamusoro pevhiki yekupedzisira nevashamwari, kana $ 100-pamwe nekufara maawa apo mari yako inobata mumwe munhu.
Zvingave iwe uri vaviri kana vaviri vasina mari yekuwana mari, ivai nevana kana musingaiti, kuti muve peji imwechete sezvinodiwa nemumwe wako nemari yaunoshandisa mari inokosha. Edza kugadzirisa bhajeti inofanirwa uye inoshanda kune vose vaviri. Iva nechokwadi chekuisa mari yemari yemiganhu yakadai sekuchengetedza kubhadhara mari, kubhadhara chikwereti chipi nechipi, pamwe nehupenyu hwemazuva ese, uye kunyanya kushandisa mari.
Tarisa zvinangwa zvemari zvakajeka uye uzviise pane imwe nzvimbo yakakurumbira (zvichida pane firiji yako kana mune imwe gwaro rakagoverwa). Ipapo unouya nechirongwa chekuenda ikoko.
Zvichida iwe uri kuponesa kutenga imba , uri kuisa pamari mari yokubhadhara chikwereti, kana kuti uchida kufamba rwendo rukuru. Pasinei nechinangwa, kuva nezvakafanana zvezvemari kunodzivisa kupesana, uye kunogona kuita kuti mumwe wako awedzere kudarika uye asingazivi kusanganisa chinangwa chakagoverwa.
Dzidzidzise paMitemo
Zvakawanda zvinoshanduka kana iwe waroora-uye izvo zvinosanganisira mitemo yeimba yako, mari yemari, uye chero ipi zvayo kana vanhu vanovimba navo. Kunyange zvazvo uchiita nenyaya dzepamutemo semishuwarenzi yehupenyu, kuda, uye kubhadhara kungaita sekunakidza, iyo chikamu chikuru chekushandura kubva kune imwe mindset kune mumwe akaroorwa.
Iye zvino inguva yekuziva kuti zvigaro zvako zvakafukidzwa. Iva nechokwadi chokuti imi mose mune inshuwarisi yehupenyu, kunyanya kana mune chikwereti chakakura chechikwereti sechikwereti, kana kuti nguva yakareba inotarisirwa kuchengetwa kwevana. Uyewo iva nechokwadi kuti vanobatsirwa pamishuwarenzi yehupenyu hwako yakarurama, uye kuti imi mose mune zvido zvitsva. Uyewo, iwe mose munofanira kuziva nhoroondo dzose dzamunazvo, pane mabhengi, uye nezvose zvinyorwa.
Gara pasi uye utaure pamusoro pezvinangwa zvako zvekurega basa , uye kana uri munzira yekuenda ikoko. Iwe unogona kunge uchida kufunga nezvekusangana nemudzidzisi wezvemari kuti akubatsire kugadzirisa zvinangwa zvakajeka uye uone chirongwa chekuenda ikoko. Iwe unogona kufunga kuisa musangano wemwedzi wemwedzi nemumwe wako kuti uende pamusoro pebhajeti, iwe uri kuita sei pane zvinangwa zvako zvezvemari uye chero zvimwe zvakakosha.
Kugadzirisa Iko Kunokosha
Iwe newawakaroorana naye muchava nemaonero akasiyana-siyana pamusoro pekushandisa mari uye kuchengetedza mari.
Edza kuramba uchifunga kuti iwe mose makamutswa mumhuri yakasiyana-siyana iyo inogona kunge yakasiyana nemitemo uye mafungiro emari.
Kuchinja mari yako yekufunga mari nemukaro ndeyekuwana nzvimbo yepakati inokuita kuti ugare wakasununguka. Semuenzaniso, mumwe murume anonzi spender anganzwa akanetswa pasina kushandiswa kwemari kushandiswa mubhajethi.
Kune rumwe rutivi, mudikani asingabatsiri angasema kuchatenga mazita emagetsi uye kutengesa pazvitoro zvakawanda zvekuchengetedza mari. Chinokosha ndechokuti uwane mari yemudiwa wako isingatauriki uye uiremekedze, zvichipa iyo inoshanda nebhajari yako.
Izvo Hazvizogara Zvichingove 50/50
Sezvakaita mumhuri yako, hapana chinhu chichazoparadzana chaiyo 50/50. Ikoko pachava nekuchinja kwezvikwereti, nekuda kwezvinhu zvakadai sekurasikirwa nebasa, kuchinja masimiro, kuva nevana, kana kungosiyana kwekuwana simba kubva pamasarudzo ako akasarudzwa.
Mumwe musikana angasarudza kudzokera kuchikoro kuti awedzere simba rekuwana mune ramangwana, achisiya mumwe kuti arambe achiwana nekusimbisa mhuri. Nguva imwe chete, iwe unogona kusarudza kusiya basa rako renguva yakazara kuti utsigire mhuri yako kana kutevera unyanzvi hwokutengesa. Zvichida mumwe mudzimai ane chikwereti chikuru chechikwereti chomudzidzi , uye chimwe chacho hachina.
Kuchinja mari yako yekufunga kubva kune mumwe munhu kune mumwe akaroorwa kunoreva kuyeuka kuti zvinhu hazvisi nguva dzose. Usachengeta mapepa. Pane kudaro, shanda pamwe chete kuti uwane zvinangwa zvako zvemari.
Yeuka Iwe uri paTeam rimwechete
Pakupera kwezuva, zvakakosha kuti uyeuke kuti uri muboka rimwechete. Kuva wakaroorana hakusi kungobatana chete; iyo kubatana kwepamutemo uye kwezvemari, zvakare.
Zvichida kana kwete iwe unoona zvinhu nenzira imwe chete kana zvasvika kumhuri yako nemari (kureva: iwe kazhinji haugoni), iwe uri boka uye richakubatsira chete mukufamba kwenguva kuita seumwe-kunyanya kana inouya kumari yako.
Dzimwe mazano:
- Gara kune bhadhati chaiyo inoshanda kune vose vari vaviri uye iyo inofunga nezvehupenyu hwenyu hwemazuva ano.
- Sarudza pazvinhu zvakaita inshuwarisi yehupenyu uye kuda pamwe chete, saka imi mose munoziva mitemo iri munzvimbo.
- Funga kusangana nemudzidzisi wezvemari kana kuva nemusangano wemwedzi wemwedzi nemumwe wako.
- Ramba uchifunga kuti chikwereti chomumwe wako chinogona kukukanganisa iwe.
- Chimwe chezvinhu zvakaipisisa zvaungaita ndezvokupedza zvakawanda pamuchato wako uye utange muchato wako mune chikwereti . Batisisa bhajeti yemari, uye usashandisa zvakawanda kupfuura zvaunogona kuwana.
- Ita chibvumirano kune vose vanobvumirana pamusoro pekutenga kukuru vasati vaitwa.