Inenge munhu wese ane mwedzi kana maviri kana ari pfupi pamari. Zvinogona kuva nokuti mutero usingatarisirwi mutero wakauya, kana iwe ungangodarika basa nekuda kwenjodzi. Pane zvikonzero zvepamusoro apo iwe ungashushikana nezvekuti unozovhara sei zvose zvaunoda kubhadhara mumwedzi. Kana iyi iri dambudziko risingagumi, zvinoreva kuti zvinowanzoitika kakawanda sokunge zvisingaiti, iwe uchada kuongorora bhajeti yako uye yako mari uye ugoita kuchinja kwakakodzera kudzivirira dambudziko remari risingaiti nguva yose. Heano mamwe mimwe mhinduro dzaunogona kutendeuka kana iwe uri pfupi pamari.
01 Shandisa Your Emergency Fund
02 Tsvaga Zvimwe Zvokudya Zvishoma
Iwe unogonawo kushanda kuti uwedzere mari nokukurumidza kuti ubhadhere nekuda kwekukurumidzira kwako.
- Nzira iri nyore kuita izvi ndeyokutengesa zvimwe zvinhu zvawave uine .
- Tsvaga basa renguva iyo iwe unogona kutora iyo ichakubhadhara iwe mazano. Izvi zvinokubvumira kuwana mari uye kubhadharwa musi iwoyo.
- Iwe unogonawo kutora rimwe basa rekushanda kwemaawa pane imwe sangano rinokurumidza kubhadhara zuva roga roga kana vhiki rega rokutendera iwe kubhadharwa nekukurumidza.
- Kutengesa plasma kana iwe uchida mari zvakanyanya.
- Babysit kana mudzidzisi. Aya mabasa anowanzobhadhara zuva rimwe chete raunotora.
03 Shingaira Kubhadhara Zvirongwa
Kana iwe uine bhadharo yezvechiremba kana kuti bhidha remutemo, iwe unowanzogadzira chirongwa chokubhadhara chezvikwereti. Iwe unogona kutokwanisa kudzivisa mitsva inofarira. Iwe uchada kusangana nechipatara kana chiremba pakarepo paunogamuchira mubhadharo kuitira kuti uite chirongwa. Iwe unotarisirwa kuita nguva dzose mwedzi, uye mari yacho inotarisana nekukwereta kwemari yacho.
Kana iwe uchida kuti motokari yako igadzirwe kana iwe unotarisana nerimwe dambudziko rechokwadi, iwe unogona kuripa mari nekadhi rechikwereti. Iyi inofanira kunge iri yekupedzisira, asi inofanira kuuya musati yatora chikwereti chemari yekubhadhara kana kushandisa cheki-cashing store sechisarudzo. Kadhi rechikwereti rinokubvumira kuti udzipire zvikwereti zvako pane chimwe chinhu chinogona kutarisirwa kunyange iwe uri kubhadhara chikwereti kune chikwereti.
04 Tsanangudzo Dambudziko Rakaderera
Kazhinji, kupfupika pamari kunoreva kuti iwe hausi kuronga zvakanaka, kana iwe hauna kuomerera kubhajheji yako mwedzi mumwe nomumwe. Izvi zvinonyanya kuitika kana iwe uchigara uchingopinda mune dambudziko iri. Iwe unogona kutarisana nechinetso ichi nekushanda pakusimbisa bhajeti yako. Iwe unofanirwa kucheka mari yako kuitira kuti iwe uite zvishoma apo iwe unogadzira. Funga kushandura kwemari kuti uvhare zvose zveimwe mari yako mumwedzi kuitira kuti iwe unogona kunyatsotarisa kushandisa kwako. Kana iwe usati uine bhajeti, ungaona kuti iwe haugoni kuita zvakakwana kuti uvhare zvikwereti. Kana izvi zviri izvo, iwe une dambudziko rechokwadi rekuwana mari uye iwe unoda kuwana mhinduro kwenguva refu kuti ikubatsire kutengesa zvikwereti zvako. Izvi zvinoreva iwe unofanirwa kuumba zvinangwa zvemabasa uye funga nezvekudzoka kuchikoro kuti uwedzere simba rako rekuwana. Zvakakosha kugadzirisa zvinetso izvi kana kuti iwe ungaguma uchinge uchisimudzira chikwereti chakawanda chingave chakaoma kubhadhara. Mari yako inoshandiswa zvikuru iwe unogona kushandisa kushandisa simba rako.