Shandisa iri bhajiro rekushandisa bhajeti kuti uwane rubatsiro pamari yako
Nokunyora zvose zvese zvinotora mari yako pane zvose zvaunoshandisa pamwedzi pamwedzi (kubva pane zvinodiwa mari yakadai sekubhadhara mari kana kubhadhara mari kubhadharo yekuziva sezvinoita kudya kunze kana kuenda kune mafirimu), unowana mufananidzo wechokwadi wemari yako yega, iyo inobvumira iwe kuti uite sarudzo dziri nani uye dzine ruzivo rwezvemari. Izvo bhajeti yakarurama ichakubatsirawo kuti upindure mubvunzo iwoyo unenge usina mubvunzo, "Ndingakwanisa here?"
Nzira yekushandisa bhadharo rako rekubhadharwa kwemari pamwedzi
Pasi pepa pepa rekushandira rinoedza kunyora zvinogona kuwanikwa mumwedzi uye mari. Sezvo hutano hwemari wese hwakasiyana, unogona kuona kuti haisi zvikamu zvose zvinoshanda kumari yako kana kupedza. Unogona kuwana kuti mamwe mwedzi akasiyana nedzimwe, asi iwe unofanirwa kuwana kuburikidza nekupfuura kuburikidza nebasa iri unenge wakagadzirirwa zviri nani kune izvo zvinoshandiswa uye kunyange kutarisirwa kwezvinhu zvisina kufanirwa mari.
Kunyangwe bhajeti yemwedzi wega wega inowanzosvika nguva yakajeka yekugadzirisa bhadharo yekutanga yega yega kana yeimba, pane zvakawanda zvekuwana mari uye mari isinganyatsotevedzeri purogiramu yemwedzi.
Semuenzaniso, unogona kuwana mubhadharo vhiki rese kana vhiki mbiri, kwete kamwe pamwedzi. Muchiitiko ichocho, iwe unoda kuverenga kuti iyo inowedzera sei kudarika nguva yemwedzi umwe uye nyora kuti mumutsara wakakodzera nekamuri. Iwe unogonawo kuva nechimwe chezvinhu zvinotarisirwa kana zvekare zvinowanzoitika zvinowanzoitika kakawanda kudarika mwedzi.
Kuzvidavirira kune iyo mari (semotokari yemotokari ) mubhadharo yako yemwedzi wega wega, ingorongedza mari yose yegore rekarani uye muparadzanise ne12 kuitira kuti muwane mari "yemwedzi". Nyora iyo nhamba mumutsara wakakodzera uye koromo.
Nzira yekugadzirisa sei bhajeti yako yebasa rebhajheti
Kutanga, tinokurudzira kuunganidza zvinyorwa zvese zvemari zvakadai sekubhadhara mari yako, zvikwereti zvekadhi rechikwereti, uye chero humwe ruzivo ruchazivisa kukosha kwakanakisisa uye kwakanyatsojeka kwezvaunotarisira kuwana nemari.
Iwe unotanga kuzadzisa iyo "Mutengo Wakawanda Wemajeri" muhombe yepamusoro pekugona kwako kwemwedzi unotevera. Izvi zvinofanira kunge zviri zvinyorwa zvako zvakanakisisa, zvakajeka. Kana rimwe boka risingaiti kwauri, iwe unogona kungosiya rakashama kana kupinda zero '0' mubhokisi. Pamusoro pemwedzi wemwedzi, chengeta zvaunowana uye kushandisa. Pakupera kwemwedzi, gadzirisa "Monthly Actual Inani" column uye woenzanise nemari yako yepakutanga. Wakanyanyisa here kuti iwe waizopedza mari yakawanda sei, asi usatora mari yaunopedza kudya kunze? Nyora musiyano. Kunyangwe iwe usingadi kuti uende kuburikidza nemutambo uyu mwedzi wega wega, unobatsira chaizvo pakutanga sezvo unobatsira iwe kukudziridza bhajeti yakakwana yegore negore kunotarisa kufambira mberi.
Nhamba Yenyu Yebhadharo Yegore Negore
Nhamba Yebasa Rokuwana Nayo: Nheyo Yakawanda | |
Chikamu | Mwedzi Unoverengeka |
Mibairo, Mariro, Mabhonasi | |
Inhare Inowanikwa | |
Investment Income | |
Mamwe Mapato (semuenzaniso, rubatsiro rwevana, alimony) | |
Nhamba Yebasa Rokubhadhara Mari: Mitero Yakadziviswa uye Paycheck Dheuctions | |
Chikamu | Mwedzi Unoverengeka |
Federal Revenue Tax | |
State uye Local Revenue Tax | |
Social Security uye Medicare Mutero | |
Mushandi Wealth Insurance Premium | |
Mubhizimisi Retirement Plan Contribution (p., 401k) | |
Zvimwe | |
Nhamba Yebasa Rokuwana Nayo: TOTAL | |
Chikamu | Mwedzi Unoverengeka |
(Kubvisa mitero uye kubhadhara kubva pamari yakawanda) | |
Mari Yezvekushanda Pasipa: Musha | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Mortgage or Rent | |||
HOA Mari | |||
Muridzi weimba kana Inhare Yeshuwarenzi | |||
Imisoro Mitero | |||
Musha Kugadzirisa / Kuchengetwa Kwemusha | |||
Kuvandudza Kwemusha | |||
Mazano Okushanda Pepa: Zvishandiso | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Electricity | |||
Mvura / Sewer | |||
Gasi rechisiko kana mafuta | |||
Nhare / Dheti Dhawende | |||
TV yeTerevhizheni / Internet | |||
Mari Yezvekudhura: Pekudya | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Groceries | |||
Restaurants / Fast Food | |||
Kafi / Doro | |||
Mari Yezvekudhura: Mafambisi eMhuri | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Child Support | |||
Alimony | |||
Daycare / Babysitting | |||
Mabasa / Zvidzidzo | |||
Mari Yezvokushanda Pepanhau: Utano Nezvokurapa | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Health Insurance Premium (kana isina kuderedzwa kubva pamarikuri kumusoro) | |||
Maonero eInishuwarenzi Premium (kana isina kuderedzwa pamusoro) | |||
Dental Insurance Premium (kana isina kuderedzwa pamusoro) | |||
Mari dzisingabhadharwa Mishonga / Inishuwarenzi Co-Nyika | |||
Zvinyorwa uye OTC Mishonga | |||
Kurasikirwa (semuenzaniso, Mudzidzisi wega, Gym, Yoga) | |||
Mari Yokudhura Basa Rokufambisa: Kutakura | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Mari yeMotokari / Mari Yokubhadhara | |||
Car Insurance | |||
Gasoline | |||
Car Repairs / Maintenance | |||
Ruzhinji uye Zvimwe Zvekutakura (Bus, Subway, Tax, Ride Share) | |||
Zvimwe Zvitoro Zvokutakura (semuenzaniso, mafransi, kupaka mari) | |||
Mari Yezvekudhura: Pepa Remari | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Credit Card Payment | |||
Mutero Wokubhadhara Kwevadzidzi | |||
Mamwe Miripo | |||
Mari Yezvekudhura: Rimwe Dhuwarisi | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Life Insurance | |||
Mari Yezvokushandisa Mari: Dzidzo | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Chidzidzo | |||
Zvinyorwa zvemashoko | |||
School Supplies | |||
Mari Yezvokushandisa Mahofisi: Kuzvivaraidza / Zvokuvhima | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Kushandisa kombiyuta | |||
Zvinyorwa uye Dues | |||
Hobbies | |||
Vacations / Travel | |||
Zvimwe Zvokuvaraidza | |||
Mari Yezvokushandisa Mahofisi: Pet Care | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Pet Food | |||
Kuchenesa, Bhodha, Chiremba | |||
Mari Yezvekudhura: Bhuku Rekushandira | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Toiletries / Cosmetics | |||
Household Products | |||
Nguo | |||
Zvimwe Zvokutarisira Kwevanhu | |||
Mari Yezvekudhura: Pepa Rokuchengetedza uye Mari | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Kubhadhara Marikiti (kwete kuderedzwa kubva pamarikiti - eg, IRAs) | |||
Brokerage Accounts | |||
College Fund | |||
Kuponesa / Emergency Savings | |||
Mazano Okushanda Pepa: Zvimwe zvinhu | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Zvipo / Mupiro | |||
Zvimwe Zvisizvo | |||
Mari Yezvokushandisa Mahofisi: TOTAL MAZVO | |||
Chikamu | Mwedzi weBhirijiti Mutengo | Mwedzi Wechokwadi Zvakakwana | Kusiyana |
Kuwedzera kweMwedzi kana Kupera |
Kushandiswa Kwemwedzi Nemwedzi: |
Kushandiswa Kwemwedzi Nemwedzi: |
Kushandiswa Kwemwedzi Kwose kana Kupera (Mari Inowanikwa Mudiki): |
Iwe wapedza bhasiro remari yebhajethi, chii zvino?
Unofunga here kuti pamagumo emwedzi waunoshandisa nguva yakawandisa kupfuura iwe uri kuunza, inogona kuva nguva yekuongorora zvakanyanya paunoshandisa mari yako nekugadzirisa nzvimbo dzaunokwanisa kuita musiyano . Iwe unofanirwa kuwana, kune rumwe rutivi, kuti iwe unogara uine mari yakasara pamwedzi wega wega, iwe zvino une mukana wekutora chaungaita nemari iyo yakawedzerwa mari. Iwe unoda kuvaka dambudziko rekukurumidza kana kuti "zuva rinonaya mvura" here? Iwe unogona kunge uri kupa zvakawanda kune rako rekuchengeta mari ? Iwe unogona kubhadhara zvimwe zvikwereti nokukurumidza here? Kana kuti zvimwe unoda kuchengetedza kune imwechete kana kuti huru.