Mabhiriji ane simba kupfuura iwe unofunga
Ndizvo here kuve nechokwadi kuti iwe hausi kushandisa mari yakawandisa kune shangu mushure mekudya kweka cat pamwe ne peji yegawani? Kwete kwete.
Pfungwa yekugadzirisa bhaari ndeyekuita chokwadi kuti pamagumo emwedzi, iwe uchiri nemari yakasara.
Ichokwadi Chaicho chebhajheji
Chinangwa chekugadzirisa bhajeti, mune mamwe mazwi, ndechekuti uve nechokwadi chokuti uri kurarama pasi pezvinhu zvako, pane kurarama pane kana kupfuura zvaunokwanisa.
Vamwe vanhu vanoshandisa bhajeti sechigadziro chekuti vaone kuti havasi kurarama mubhadharo kubhadhara .
Zvechokwadi, ndinoziva vanhu avo vasina kumboziva kuti ivo vairarama mubhadharo kuti vabhadhe kusvikira vanyora bhajeti.
Kubhadhara mari kunogona kubatsira sei
Mumwe weshamwari dzangu dzakanaka aishandiswa kuendesa mari mumari yake yekuchengetedza pakutanga kwemwe mwedzi. Akanga achizvidzivirira pamusana, achifunga kuti akanga achichengetedza mari.
Pakupera kwemwedzi, kuitira kuti abhadhara zvikwereti zvake, aizotumira mari kubva kune mari yekudzokera kumabhuku ake ekuongorora. Nhoroondo yake yekuchengetedza yakanga isingakure - aingova kutamba mutambo wokutsvaga.
Akazvinyengera mukufunga kuti akanga achiponesa. Haana kuziva izvi kusvikira aita bhajeti ndokutanga kutevera mari yake .
Kucherechedza mambure ake anokosha, anoti, zvakare akamubatsira kuziva migumisiro yemararamiro ake.
Usafanana neshamwari yangu. (Kana, kana iwe watoita saiye, itai semunhu wake mutsva, akazvigadzirisa.) Kana pamagumo emwedzi uri kuputsa uye iwe hauna mararamiro ekukanganisa akasiiwa, uri kurarama chitsva chinotevera, uye icho hachisi chinzvimbo chaunoda kupinda.
Budgeting Basics
Bhijeti inguva imwechete inogona kushandisa iyo inogona kukubudisa iwe kubva iyo inosunga. Kunyatsotaura, bhajeti yakatarwa yemutengo haisi kudiwa.
Kana iwe ukangosvitsa mari yako kubva kumusoro wekutanga wozozvipira kurarama pane imwe mari yako yose, uri kuzadzisa chinangwa chebhajeti. Iwe uri kurarama pasi pezvinhu zvako uye kuchengetedza zvikamu zvehutano zvemari yako.
Iwe haufaniri kutarisa kana kufungisisa nezvehuwandu hwemari yaunoshandisa mumaresitorendi zvichienderana nezvipfeko, kunyanya kana iwe uchitove usina chikwereti uye usina kuchengetedza chikamu chikuru chebhadharo.
Unofanira Kunyanya Kuponesa Zvii?
Pachishoma, ndinotenda kuti munhu wose anofanira kuchengetedza makumi maviri kubva muzana yemari yavo. Izvozvo zvinoparadzanisa kubva kune 10 kusvika ku15 muzana mumabhadharo ekurega mari, uye 5 kusvika ku 10 muzana mune mamwe matanho ekuchengetedza.
Izvo makumi maviri kubva muzana muzana inongotangira. Hapana chakaipa pakuponesa zvakawanda , uye pane kunyange kukura kwevanhu vanosimudzira pfungwa yekuponesa hafu.
Imwe nyanzvi yemutsetse yemari inongova chigadziro chinokubatsira kuti uende ikoko. Haisi iyo mhinduro yematambudziko ako; inongova nzira yaunogona kushandisa kuti ikubatsire kuchengetedza zvakawanda.
Mhando dzakasiyana dzekuchengetedza
Nenzira, apo ini ndichitaura pamusoro pekuchengetedza, ndiri kutaura kune chimwe chinhu chinowedzera kukura mumatare ako. Handirevi chaizvoizvo mari yaunopinza muakaunti yekuchengetedza .
Ndiri kunyanya kutaura nezvemari yaunogona kuisa mumabhengi ezvokutora mari, nhoroondo yehutano yekuchengetedza , kupera kwemari mari, kana kuti iwe ungashandisa sekuwedzera mari pane chikwereti.
Somuenzaniso, taura kuti chikwereti chako che $ 1,500 pamwedzi, asi iwe unobhadhara $ 2,000 pamwedzi.
Iko inoratidza mari inowanikwa $ 500 semari yekuwedzera kubhadhara, saka mari ye $ 500 inoshandiswa sekuchengetedza.
Zvechokwadi, haisi mari chaiyo mubhengi rebhangi, asi iyo mari inowedzera zvakanamatira mari yako inokosha. Zvakachengetwa zvisinei.