Dzidza Maitiro Okubhadharisa Kwezvinhu Zvose Zvaunoshandisa
The Definition of Fixed Expenses
Fixed expenses inodhura imwe chete mwedzi mumwe nomumwe. Izvi zvisingakwanisi kushandurwa zviri nyore uye zvinowanzobhadharwa nguva dzose, zvakadai sevhiki nevhiki, mwedzi mumwe nomumwe, wega wega kana gore negore.
Zviri nyore zvikuru kuronga mari yekugadzirisa mari kudarika zvinodhura zvinodhura kana mari yekuziva .
Imba yemhuri yakagadziriswa mari ndeyekutengesa kana kubhadhara mari, kutengesa motokari, mari yekutengesa imari uye mari yemishandiro yveshuwarenzi. Nepo iwe unogona kunyora shanduko yako yekubhadhara mari pamwedzi nekugadzirisa chikwereti chako kana kukumbira purofisi yako yemutero, izvi hazvisi nyore nyore.
Izvozvowo ndezvechokwadi kana iwe uchibhadhara renti. Iwe unogona kuchinja mari iyi kuburikidza nekuenda kune imwe imba inodhura kana kuwana waunogara naye, asi izvi ndizvo zvinoshandiswa pakuchinja mararamiro.
Inishuwarenzi yako yehutano , motokari yveshuwarisi , inshuwarisi yehupenyu, uye vagari vomunharaunda kana inshuwarisi yerineni imwewo mienzaniso yakaiswa mari Iwe unofanirwa kupedza maawa akawanda uchitsvakurudza zvimwe zvirongwa zvekushandura idzi mari yekubhadhara kwemwedzi.
Zvakanakira Kuchengetedza Mari Pamutengo Wakawanda
Chidzidzo chikuru apa ndechokuti pasinei nezita rayo, "kusarudzwa" mari haisi kuiswa mumatombo. Kana iwe ukarashikirwa nebasa rako kana utsinye uchida kutanga kuponesa, unogona kupedza maawa mashomanana kuti udzikise mari yako yakagadzirirwa.
Sezvo yakagadzirirwa mari inowanzofananidzira chunk yakakura yemari yako, mari yaunoponesa munharaunda ino inogona kuva yakakosha.
Kuchengetedza mari pane zvakagadziriswa mari kune chikamu chechipiri: haunganzwi sokunge uri kupedza mararamiro ako. Kutenga kunotengesa kwehutano huripo yehutano inshumbisi kana chirongwa chinodhura chine foni chinongoda maawa mashomanana ako nguva gore negore.
Kana uchinge wawana motokari idzi dzinodhura, unozogadzirisa zvisarudzo zvinoshandiswa mumari yako yemwedzi.
Mune mamwe mazwi: kuderedza mitemo yako yakagadzirirwa mwedzi miviri hakuzoiti kuti unzwe sokuti uri kushaya frugal nekuti vanhu vakawanda havafungi nezvemwedzi yavo yakatarwa mari. Iwe "uchanzwa chinamato" zvikuru kana iwe uchiita zvisarudzo zvezuva rimwe nerimwe se "Ndinofanira kudya paresitorendi manheru ano here?" Kana "Ndinofanira kutenga jeans idzodzo here?"
The Definition of Variable Costs
Zvimwe zvinoshandiswa zvinoshandiswa zvinomiririra zuva rega roga kushandisa zvisarudzo zvakadai sekudya paresitorendi, kutenga zvishongo, kunwa doro Starbucks, uye kutamba hombe yegorofu neshamwari dzako.
Izvi zvinodhura hazviiti sezviri kushanduka nokuti ndeye discretionary. Pane kudaro, "vari kushanduka" nokuti mari yaunoshandisa yakasiyana kubva pamwedzi kusvika pamwedzi.
Kunyange zvazvo mari yakawanda yakawanda inoshandiswa inomirira discretionary kushandisa (dzakadai seresitorendi, Starbucks, uye gorofu), zvimwe zvinodhura zvinodhura zvinoda.
Mhuri dzakawanda, somuenzaniso, shandisa mari yakawanda yemari pamitambo mwedzi mumwe nomumwe. Vanhu vazhinji vanopedza mari yakawanda mwedzi mumwe nomumwe nekuisa mafuta mumotokari dzavo uye kubhadhara kudiwa kwemotokari nekugadzirisa.
Kuchengetedza Zvimwe Zviripo
Zvimwe zvinodhura zvinowanzova mari yokutanga iyo vanhu vanoedza kucheka kana vachida kutanga kuchengetedza mari .
Zvinosuruvarisa, kushandiswa kwekutengesa kune zvimwe zvezvinosuruvarisa mari yekuderedza zvakare, nokuti zvinoda kuzvipira zuva rega rega kushandiswa kwekusarudzwa kwemaitiro.
Kugadzirisa mari yakasarudzwa, kufanana nefoni yako chirongwa kana kadhi yako, inoda kungoita chisarudzo kamwe chete, uye kurarama nechisarudzo ichocho kwemwedzi inoverengeka kana makore.
Kuderedza kutengesa zvinodhura, kune rumwe rutivi, kunoda kushingaira kuita zvisarudzo zvakawanda zuva rega rega pamusoro pekutenga kana kutenga zvimwe zvinhu kana kupinda mune zvimwe zviitiko.
The Bottom Line
Kana iwe uchida kutanga kutema kumashure, tarisa pazvinhu zvose zvako zvakasarudzwa uye zvinoshandiswa. Kupa musi weMugovera masikati kuti uongorore mabhadharo ako ose, zvirongwa zve inshuwarisi, uye zvikwereti zvinowanikwa pamwedzi zvese zvinogona kukubatsira kuti uwedzere mazana emadhora kubva pamari yako yakatarwa yemwedzi.
Kana uchikwanisa kuderedza zvimwe zvinodhura zvinowedzera kuwedzera pamitemo yako yakatarwa yemwedzi, iwe uchasunungura mari yakawanda kuti uchengetedze kubhadhara, uwane mari yekukurumidzira , kubhadhara chikwereti , kana kuisa mari.