Iwe Unogona Kutaridzika Kuona Kwako Mari Yako Inoenda
Saizvozvowo, kutevera maitiro ako okushandisa mari kunokubatsira kuona kuti mari yako yaunoshandisa -iyo ingave yakasiyana zvakasiyana nemari yaunofunga kuti uri kushandisa.
Ndinofanira Kutarisa Nguva Yakadini Ndichitsvaga Kutenga Kwangu?
Vakatanga vatengi vanopedza pakati pemavhiki maviri kusvika mwedzi mumwe chete kutevera zvese zvinotengeswa vasati vatanga bhajeti. Ndicho chikonzero chakanaka chekutanga kana iwe usina kumbobvira watarisa kushandisa mari yako kare.
Pashure pekugadzira bhajeti, iwe unofanira kuramba uchitsvaga kushandisa kwako mari kuti uone maitiro ako "chaiwo" ekushandisa mari akafanana ne "pfungwa" dzawakaronga mubhajethi yako. Aya mabhizimisi emabasa ekubhadharira anogona kukubatsira kuti uenzanise iwe "chaiyo" pamusoro pe "yakanaka" yako.
Rubatsiro! Ndiri Kuve Nekutambudzwa Kuchengetedza Nzira Yezvose
Nhasi nzira dzakasiyana-siyana dzokubhadhara dzinogona kuita kuti uone kuti mari yako inorema. Munhu angakwanisa sei kuchengetedza mari imwe neimwe, kadhi rechikwereti, debit kadi , chekuongorora, kushandiswa kwebhenji kushandiswa, uye PayPal mutengesi?
Pane nzira dzakawanda dzekutarisa mari uye kubatana nehuwandu hwemari.
Rega kushandisa Cash
Iwe une zvinyorwa zvese, zvinyorwa zvemagetsi zvekadhi kadhi rechikwereti, debit kadi, chekuongorora, kushandiswa kwebhanji kubvisa uye PayPal mutengesi. Mhando chete yekutengeserana iyo isingatonyorwa yakanyorerwa mari.
Kana iwe ukarega kutenga zvinhu nemari, iwe uzvichengetedze kubva pamatambudziko ekuda kunyora manyore ako mari.
Pane kudaro, unogona kuongorora zvinyorwa zvemagetsi zvezuva rimwechete pavhiki (semugovera weMugovera wega wega) uye kuisa zvinyorwa izvi munzvimbo imwe chete. Iwe unogona kushandisa pepadheet, bhuku rekodha, kana rimwe remashizha ekubhajisa bhajeti .
Ndine chinhu chimwe chinokosha chinozivikanwa, kunyange zvakadaro: vamwe vanhu vanopedza mari yakawanda pavanenge vachiputira plastiki. Vanopedza zvishomanana kana vachifanira kuparadzana nemuviri, mabhuruu emadhora emari.
Kana iwe ukawira munharaunda iyi, ramba uchibhadhara zvinhu nezvinhu. Hapana chikonzero chekuzviisa mumamiriro ezvinhu umo iwe unogona kushandisa mari kupfuura iwe zvaunoda.
Edza Iko Envelope System
Pakutanga kwevhiki imwe neimwe, zvinhu zvinongororwa mavhesipiti ane mari. Dzorerai vhokupepe imwe kune imwe nzvimbo yekushandisa mari, uye nyorai mari yawakaisa mune imwe vhokupepe.
Semuenzaniso, mavuputiro enyu angave akanyorwa kuti "Zvokudya $ 25," "Gasoline $ 75" uye "Target $ 40." Sezvo iwe usingakwanisi kufanotaura zvakakwana mari yako yose, kunyanya pakutanga, chengetedza imwe "Zvimwe zvinhu" yevhovupu zvakare.
Pakupera kwevhiki, ona mari yawakasiyira muhopepepe imwe neimwe. Zvokudya zvako zvekudya zvemasikati, semuenzaniso, zvinogona kuva ne $ 5 zvakasara. Your envelope gasoline inogona kuva ne $ 12 yakasara. Invepe yako Yakatarirwa ingangodaro yakaenda "pamusoro pebhadharo" - iwe waifanira kushandisa $ 10 kubva mu "Miscellaneous" envelope yekuvhara kukanganisa.
Iyi inzira iri nyore yekuona mari yako. Uchaona maitiro ako emari mukati memakamuri makuru, pasina kutsungirira dambudziko rekutaura imwe neimwe yekutengesa. Iwe unogonawo kubhadhara zvinhu mune mari, izvo zvinogona kukukurudzira kuti upedze zvishoma kudarika iwe waizoita kana iwe uri kuputira pepurasitiki.
Itai Izvo Pasi
Chengetai kabhuku kaduku uye kunyora muhomwe yako kana pfuti, uye nyora mabhizinesi ose ipapo. Iwe unogonawo kuinyorera iyo purogiramu yemaziso pa smartphone yako.
Kubatsira kune izvi? Iwe uchafunga zvakanyanya pamusoro pemari imwe neimwe. Kunyora pasi kushandiswa kwega kwega kunokonzera kuti uwedzere kuziva nezvekushandisa kwemari yako panguva yaunenge uchitengesa.
Izvo hazvina kunaka? Inguva yakaoma. Zviri nyore kurega. Zviri nyore kukanganwa. Uye hapana nzira yekudzorera zvakare kudarika deta kana kuvhara mari yako inoderedza pfungwa dzako.