Kuve nemari nemari kune zvinopfuura kungoita zvigaro. Usanetseka kuti iwe hausi wemasvomhu; Unyanzvi hukuru hwemasvomhu hausi chaihwo hunokosha - iwe unongoda kuziva kuwedzera kwekuwedzera nekubvisa.
Upenyu huri nyore zvikuru kana iwe une unyanzvi hwakanaka hwemari. Iwe unopedza sei mari yako inokanganisa chikwereti chako chikwereti uye chikwereti chemari yako yaunopedza kutakura. Kana uri kurwisana nemari yekuita mari, somuenzaniso, uri kurarama mubhadharo kuti ubhadhara pasinei nekuita mari yakawandisa, heano mamwe mazano ekuvandudza mararamiro ako emari.
1. Funga Usati Waita
Paunotarisana nechisarudzo chekushandisa mari, kunyanya chisarudzo chikuru chekutenga, usangofunga kuti unogona kutenga chimwe chinhu. Iva nechokwadi chokuti iwe unokwanisa chaizvo kuzvipa uye kuti iwe hauna kutora mari iyoyo kune imwe mari.
Izvozvo zvinoreva kushandisa bhajeti yako uye kuenzanisira mumabhuku ako ekuongorora nekuchengetedza kuti uone kana iwe unogona kutenga kutenga. Yeuka kuti nekuda kwekuti mari iripo hazvireve kuti iwe unogona kutenga iyo. Iwe unofanirwawo kufunga nezvekubhadhara uye mari yaunofanira kubhadhara mushure mekuzobhadhara kwako kwezuva.
2. Iva neD B
Vanhu vazhinji havasi kuronga nokuti havadi kupinda mune zvavanofunga kuti zvingava zvinotyisa kukurongedza mari, kuwedzera nhamba, nekuita kuti zvinhu zvose zvivepo. Asi kana iwe wakaipa nemari, iwe hauna chakanaka chekuzvipembedza nebhajheji. Kana zvose zvinotora kuti mari yako iende pane imwe nguva maawa mashoma achishanda bhajeti mwedzi mumwe nomumwe, nei iwe usingagoni kuzviita?
Panzvimbo pokuisa pfungwa pakugadzira bhajeti, funga nezvekukosha kwehuwandu hwemari huchaunza muupenyu hwako.
3. Shandisa Budget
Mari yako yekusarura haibatsiri kana iwe ukaiita iwe rega iitore guruva mufaira yakasvikirwa mubhesi rako refisi kana faira cabinet. Taura nezvazvo kakawanda mumwedzi wose kuti ubatsire kutungamirira kushandura kwako zvisarudzo.
Kuvandudza iyo apo iwe uchibhadhara zvikwereti uye uchipedza kune dzimwe mari dzedzimwe mwedzi. Penguva ipi neipi mumwedzi, iwe unofanirwa kuva nemafungiro emari yakawanda yaunokwanisa kushandisa, uchifungisisa chero mari yawakasara kuribhadhara.
4. Zvipe iwe muganhu wekutengesa kusingabhadharwi
Chikamu chinonyanya kukosha chebhajhini yako ndeyekuwana mari kana mari yakasara mushure mokubvisa mari yako kubva pane zvaunowana. Kana iwe uine mari yakasara, unogona kuishandisa kuti ufare uye unofara, asi chete kusvika pane imwe. Iwe haugoni kupenga nemari iyi, kunyanya kana isiri iyo yakawanda inofanira kupedza mwedzi wose. Usati waita chero matenga makuru, iva nechokwadi chokuti hazvizopindira nechinhu chipi zvacho chawakaronga.
5. Tarisa Zvaunoshandisa
Zviduku zvidenga pano uye ikoko zvinowedzera nokukurumidza uye usati wazviziva, iwe wapedza mari yako yakawanda. Tanga kutevera kushandisa kwako mari kuti uwane nzvimbo dzaungave usingazivi kuti iwe unodarika. Chengetedza mabhizimisi ako uye nyora kutenga kwako mumagazini inoishandiswa, ugozviisa muzvikamu kuitira kuti uone nzvimbo dzaunenge wakaomerwa kuchengeta kushandisa mari yako.
6. Usazvipira kune Mitsva ipi zvayo Inoramba Ichidzokorora Mwedzi
Kungoita kuti mari yako uye chikwereti chako chikwereti kune imwe chikwereti, hazvirevi kuti unofanira kuitora.
Vanhu vazhinji naively vanofunga kuti bhengi haringavabvumi nokuda kwekadhi rechikwereti kana chikwereti chavasingagoni kuwana. Bhizinesi chete inonyatsoziva mari yako, sezvawakashuma, uye chikwereti chikwereti chinosanganiswa pamushumo wekwereti yako, kwete chero zvimwe zvikwereti zvinogona kukudzivirira kuti urege kutora nguva yako. Zviri kwauri kuti uone kana mutero wemwedzi wega wega unogona kutengesa zvichienderana nemari yako uye mamwe mimwe mitoro yemwedzi.
7. Iva nechokwadi kuti Uri Kubhadhara Mitengo Yakanakisisa
Iwe unogona kushandisa zvakanyanya mari yako yekuenzanisa kutenga, kuve nechokwadi kuti uri kubhadhara mitengo yakaderera yezvikwereti nemasevisi. Tsvaga zvikwereti, makononi, uye dzimwe nzira dzisingabatsiri pose paunogona.
8. Chengetedza Kubhadha Kukuru
Kukwanisa kunonoka kugutsikana kuchaenda nenzira yekukubatsira kuva nani nemari. Paunenge uchibvisa kutenga kukuru, pane kupa zvipi zvinokosha zvinokosha kana kuisa kutenga pane kadhi rechikwereti, unozvipa nguva yekuongorora kana kutenga kunokosha uye kunyange nguva yakawanda yekuenzanisa nemitengo.
Nokuchengetedza panzvimbo pane kushandisa chikwereti, iwe unorega kubhadhara chikwereti pakutenga. Uye kana iwe uchiponesa pane kudarika zvikwereti kana zvikwereti, zvakanaka, haufaniri kutarisana nemigumisiro yakawanda yekushayikwa kwezvikwereti .
9. Chengetedza Zvitengi Zvako ZveKodhadhi
Marikiti yemakadhi iipi yakaipa muvengi. Paunopera mari, iwe unongotora chikadhi chako chekwereti usina kufunga kana iwe unokwanisa kubhadhara mari. Ramba chido chekushandisa zvikwereti zvako zvekwereti zvekutenga iwe usingakwanisi kutenga, kunyanya pane zvinhu zvausingadi chaizvo.
10. Shingairira Kuponesa Nguva dzose.
Kuvhara mari mumabhuku ekuchengetedza mwedzi wega wega kunogona kukubatsira kuvaka miitiro yakanaka yemari. Iwe unokwanisa kuchigadzirisa kuitira kuti mari yacho inotamiswa kubva paakaona chekuita kuakaunti yako yekuchengetedza. Nenzira iyo, haufaniri kuyeuka kuti uende.
Kuva akanaka nemari kunotora tsika. Pakutanga, iwe haugoni kushandiswa kuronga mberi uye kubvisa zvigaro kusvikira uchigona kuzviwanira. Kana iwe uchiwedzera kuita izvi maitiro ehupenyu hwako hwezuva nezuva, zviri nyore kuti uchengetedze mari yako uye zviri nani pane mari yako ichava.