Hapana Chei-Kukura-Kunokwana-Yose Bhijeti. Edza Izvi zvinoshandiswa kuti uwane Zvaunoda.
Vanhu vazhinji vanofunga kuti "bhajeti" ndeyekucheka-uye-yakaoma, imwe chete-yakafanana-yose-regimen. Muzvokwadi, hapana chaigona kuva kure nechokwadi. Iko kune zvakawanda zvakasiyana-siyana zvebhajeti maitiro anotsigira zvakasiyana siyana zvekunakidza. Heano mamwe emasarudzo anozivikanwa zvikuru.
01 Mari Yemajeri
Nzira yebhadhiro ndiyo inouya kune pfungwa dzevanhu vakawanda kutanga. Iwe unonyora zvaunowana, nyora yako mari, uye uwane mutsauko. (Tarisiro iwe uri kuwana zvakawanda kupfuura zvauri kushandisa.)
Mushure maizvozvi, unoisa zvinangwa zvekuti iwe unoda kushandisa mari yakawanda sei muzvikamu zvose, zvakadai sekutengesa, gesi, nekuvaraidza.
Izvi zvingava nzira huru yebhajeti yevanhu vane tsanangudzo-uye vane nguva yakawanda. Hazvisi zvakanyanya kune vanhu vari "guru-mifananidzo" vanofunga, zvisikwa zvekusika, uye vanhu vanoita basa.
02 The 50/30/20 Budget
Bhijeti 50/30/20 chirongwa chakarerurika umo iwe unoputsa mari yako muzvikamu zvitatu: zvinodikanwa, zvinoda, nekuchengetedza.
50 muzana yemutero wako wekutora kumusha unofanira kuenda kune zvaunoda, 30 muzana inofanira kuendeswa kune zvaunoda, uye 20 muzana inofanira kuiswa mune mari.
Kuparadzanisa zvinodiwa kubva pane zvinogona kuve nyore. "Zvinoda" zvinosanganisira zvako chete zvinodiwa zvinokosha. Iwe unogona kufunga kuti zvekudya zvidikanwi, asi kune zvinhu izvo "zvinoda." Semuenzaniso, michero nemiriwo yaunotenga muchitoro i "chido," apo maokie Oreo unotenga muchitoro i "kushaiwa."
Kuzvichengeta pamwe chete pasi pemaambura yakakura ye "zvekudya" kunokuita kuti ubatanidza "zvinodiwa" uye "anoda."
03 The Budget 80/20
Mari yeByclock 80/20 inonyanya kuoma kupfuura 50/30/20. Pasi pesarudzo iyi, iwe unongoronga mari yako kubva kumusoro, uye wozoshandisa zvakasara zvose.
Makumi maviri kubva muzana iwe unofanira kuchengetedza. Iwe unofanirwa kuisa zvishoma 10-15 muzana kunze kwekurega basa. Iwe unogona kushandisa zororo zvekukurumidza, kutenga iyo motokari inotevera mune mari, kugadziriswa kwemusha, uye dzimwe nheyo dzenguva refu yekuchengetedza.
Iwe unogonawo kugadzirisa izvi mubhajeti ye 70/30, bhajeti 60/40, kana kuti kunyange bhajeti 50/50, zvichienderana nekusarura kwaunosarudza kuchengeta.
Kunaka kwebhajeti iyi ndechokuti kana mari yako yachengetwa, haufaniri kunetseka pamusoro pokuti mari yako yose iri kupi. Izvi zvinozivikanwawo sekuti Pay Payself Pamberi yekugadzirisa nzira.
04 The Sub-Savings Accounts Method
Pano panotarisa bhajeti ye 80/20: iwe unogona kusarudza mari yakawanda yaunoda kuchengetedza nekuisa mari yako mune zvinyorwa zvekuchengetedza mazano zvichienderana nezvinangwa zvako.
Iwe unozarura maakareji akawanda ekuchengetedza uye unopa mumwe nomumwe zita rekudana rakabva kune zvinangwa zvakananga, se "Paris yezororo" uye "yekugadzira motokari yemangwana." Zvadaro unoisa chinangwa ($ 2,000 nokuda kwekufamba kweParis neJanuary inotevera; $ 800 yekugadzirisa motokari yemangwana iyi inoMarch) uye kugovera madhora ne nguva yekuona kuti unofanira kuchengetedza sei mwedzi mumwe nomumwe.
Iye zvino unokwanisa kuzvigadziridza mari purogiramu mwedzi mumwe nomumwe kubva kuongororo yako yekuongorora mumabhuku ako akawanda ekuchengetedza. Paunenge wapedza, shandisa mari yako zvakasununguka.
Mabhenji epaIndaneti seStartyPig anokubvumira kuumba maverengi akawanda ekuchengetedza maakaiti uye ona nhaurirano yako yebhajheji.
05 Kubhadhara Zvishandiso & Apps
Iyi haisi bhajeti "nzira," asi zvakakodzera kutaurwa. Vanhu vazhinji, kunyanya avo vanoda kuumba imwe tsika yemuganhu-chimwe chinhu, shandisa shanduro, zvishandiso, uye mapurogiramu kuti vaite maitiro avo emari kutevera.
Zvirongwa zvakadai semunhu wega wega, Unoda bhajeti, uye Mint.com inogona kukubatsira kuti utarise mari yako mukati memhando dzakasiyana-siyana. Iwe haufaniri kuchengetedza pepa repepa-ne-pencil.