Mhinduro kuMibvunzo Yechibhadharo Inowirirana
Ikopi iri pasi apa inopindura mibvunzo inowanzozivikanwa pamusoro pokuti ungachengeta sei bhajeti rako pachako nechechokwadi chenyika.
Ndinobhadhara Sei Nenguva Imwe Yakawanda?
Haisi mari yega yega inowira zvakanaka mu "mwedzi yemari" yako.
Iwe uchada kubhadharira pane dzimwe nguva kana nguva dzemazuva. Izvi zvinosanganisira zvinhu zvakadai sezororo, mazuva ekuberekwa, zvipembere uye mari yezvechiremba kusanganisira uye chiremba gore negore nekushanya kwemazino.
Ndingakwanisa Sei Kuona Mitemo Yangu Yakawanda Yokuponesa?
Kubva pamazera uye mararamiro, vanhu vanochengetedza zvikonzero zvemarudzi ose. Iwe unogona kuisa mari kunze kwekurega basa, kubhadhara mitero yako yegore negore, mutambo wekune imwe nyika, imba huru yekugadzirisa, chikoro chako chevana vekoroji, kana kuti nekuda kwekuti unoda kupfumisa pane chikwata chikuru chekupfeka. Chero zvaunoda kana chido chako, zvinokosha kutarisa kufambira mberi kwako kune zvinangwa zvako zvose.
Inotengesa Chero Chinhu Chingaita Bhijeti?
Kune mahwendefa akawanda, mapurogiramu ezvirongwa uye zvishandiso zviripo nhasi zvakagadzirirwa kubatsira vanhu vane mari yavo pachavo. Kunyange zvazvo zvimwe zvezvigadzirwa izvi zvinodhura zvakanyanya se $ 95, nokuda kwechikamu chikuru, ivo vakasununguka.
Ndinoda Zvakawanda Sei Kuti Ndirege Kurega?
Upfumi hwakaoma uye hunogona kutongwa nezvinhu zvisingafanoonekwi (semuenzaniso, hakuna munhu anotarisira kuparara kwe'08) saka kazhinji zvakaoma kuziva kuti mari yakawanda sei yekuisa pamusana pokurasikirwa.
Nyaya iyi inogona kukubatsira kuti uzvione. Panguva iyi, ramba uchifunga nezvemitemo miviri yechigunwe - Kuwedzera kuburikidza nekutonga uye 4% kutonga - paunenge uchigadzirira kubhadhara kwako.
Chii chinonzi Emergency Fund?
Kubva pamagazini yeAARP kune mabhuku ekuchengetedza mari uye mawebsite, izwi rokuti "mari yehupfumi" inotakirwa zvakapoteredza semvura inotyisa.
Chikwata chekukurumidzira chimwe chezvivako zvekona zvemari yemunhu uye zvinogona kupa rugare rwepfungwa. Hapana, pasinei nokuti vaduku kana vakwegura, vanofanira kuva vasina imwe chete nokuti mari (nezita racho pachayo) inotarisirwa uye zvishoma zvinodiwa.
Ndezvipi ZVIKURU ZVINOKOSHA ZVINOFANIRA KUTI NDINOFANIRA BHUDZI?
Kana iwe uchinzwa uchinetseka nehuwandu hwezvinhu zvaunoda kuzvichengetera - muchato, firiji itsva, imba - zvino tora kufema kwakanyanya uye uise pfungwa pane zvishomanana, zvakakosha pane zvakakosha pane zvinhu. Kubhadhara mari, kana yaitwa zvakanaka, haisi yekuverenga kwezvinhu zviduku. Iri kugadzira hurongwa hunobatsira iwe.
Ndingawana sei mari yakawanda?
Kana uine, uye uchiomerera kune, bhajeti hairi kushanda kunze (uye iwe uri kusvika pfupi) kune mikana yekuwana mukana yevashandi venguva yakazara vanoshanda maawa 40 pavhiki. Kana iwe uchida kushanda manheru uye kumavhiki ekupedzisira mari yakawedzerwa ichaita kuti uswedere pedyo nekusangana nezvinangwa zvebhajheji.