Munhu wose ane kadhi yekadhi rechikwereti anotakura chikwereti chekwereti chekwereti. Kana wawana yakawanda kadhi rechikwereti chikwereti inogona kutora makore akawanda uye mukana wezvibayiro kuti uibhadhara. Sezvaunoshandisa zvikwereti zvako zvekwereti, chengetedza mazano aya mupfungwa kuti urege kudzivirira kadhi rechikwereti chikwereti
01 Iva nebhadharo rinokurumidza.
02 Chengetedza chete zvaunokwanisa.
Dzivisa kukanganisa kwekushandisa kadhi rechikwereti kutenga zvinhu zvausingakwanisi kutenga. Unogona kudzivirira kadhi rechikwereti chikwereti nokutenga chete zvaunokwanisa kubhadhara. Heino mutemo mukuru wekutevera: kana iwe usingakwanisi kubhadhara mari, haugoni kuripa.
03 Dzivisa kusaenzana kusingakoshi kunoshandiswa.
Usafambisa zviyero kubva kadhi kana kadhi kuitira kuti usapedza mazuva ako akakodzera. Kana iwe uchiendesa chikwereti pane imwe kadhi rechikwereti, uve nechikonzero chakanaka, sekutora chikwereti chechidimbu chechibereko. Kana zvisina kudaro, muyero wako unongowedzera nekuda kwebhadharo yekubhadhara mari.
04 Usapotsa chikwereti chekadhi yemakadhi.
Kuramba uri munzira nekwereti yako yekwereti chikwereti ndeimwe yenzira dzakanakisisa dzokuti urege kubhadhara kadhi rechikwereti. Kana uchinge washaya mubhadharo, kubhadhara kwako kwaitevera kuchave kwakakwirira zvikuru sezvo uchizofanira kutora mari mbiri pamwe nekubhadhara mari yekupedzisira. Zvinowedzera kushamwaridzana, kuisa dambudziko pamabhadharo ako, uye kukuedza iwe kushandisa kadhi rako rechikwereti kuti uwane zvigaro.
05 Chengetedza bhadha yako yakazara mwedzi mumwe nomumwe.
Kana iwe uchida kudzivirira chikwereti chekwereti chikwereti, kuripa chikwereti chako chekadhi chikwereti mwedzi mumwe nomumwe. Nenzira iyo, hauzomboregi kutarisa uye kubvisa zvachose njodzi yekupinda muchikwereti chekwereti chikwereti. Iwe haufaniri kunetseka pamusoro pekuti iwe unogona kukwanisa kubhadhara mari shoma nokuti chikwereti chako chekwereti chave chabhadharwa zvakakwana. Ichokwadi kuti izvi zvinoreva kuti iwe unogona kungopedza zvakakwana iwe unogona kubhadhara mumwedzi mumwe chete.
06 Kuziva zviratidzo zvekadhi rechikwereti chikwereti.
Vanhu vazhinji vanopedzisira vane kadhi rechikwereti chikwereti nokuti havana kuziva kuti vakanga vari munzira. Kana iwe ukacherechedza zviratidzo zvekutanga zvekadhi rechikwereti, iwe unogona kudzivisa kupinda mune chikwereti zvachose. Semuenzaniso, kusakwanisa kubhadhara chikwereti chako chakakwana chiratidzo chokuti iwe uri kutungamira kadhi rechikwereti chikwereti.
07 Dzivisa mari kufambira mberi.
Mari yekushambadzira ndeimwe yenzira dzakaipa dzokushandisa kadhi rako rechikwereti. Kana iwe uchifanira kushandisa kadhi rako rechikwereti kuti uwane mari, unogona kunge wakatarisana nedambudziko rezvemari. Kana zvisina kudaro, iwe unotora mari kubva kubhangi yako yebhangi.
Mari inotangira nguva yakawanda ndiyo imwe yezvikamu zvekutanga zvekadhi rechikwereti chikwereti. Shingairira kugadzirisa bhajeti yenyu uye kugadzira purogiramu inokurumidza kuitira kuti musashandise mari inokurumidza mune imwe nguva.
08 Usakwereta kadhi rako rechikwereti.
Kana mumwe munhu achishandisa kadhi rako rechikwereti, iwe hauna simba pamusoro pekuti vanoishandisa sei. Kunyangwe kana munhu uyo akati ivo vachabhadhara chikwereti chekadhi rechikwereti, iwe uri pakupedzisira kune mhosva yemhosva dzavanoita. Izvozvo zvinoreva, kana vachienda pakushandisa spree uye vachiramba kubhadhara, iwe unofanira kubhadhara chikamu.
09 Kunzwisisa mazwi ako kadhi rechikwereti.
Verenga nechibvumirano chako chekadhi chekwereti uye ita nechokwadi chokuti unonzwisisa kuti kufarira kunoshandiswa sei kubhadha yako, iwe uchabhadharwa kupi, uye nguva yako inotora chikwereti ichikwira rini. Kunzwisisa zvinhu izvi zvekadhi rako rechikwereti kunogona kukubatsira kudzivisa kadhi rechikwereti chikwereti nokuti unonzwisisa kuti kushandisa kadi yako yekwereti kunodhura sei.
10 Deredza uwandu hwekadhi yemakadhi.
Izvo zvikwereti zvakawanda zvekwereti zvaunazvo, iwe unogona kuwedzera. Iwe unogona kuva nekuzvidzora kukuru, asi zviri nani kuti usazviedza iwe nezviuru zvemadhora mune chikwereti chiripo. Deredza purogiramu yemakadhi emakwereti muhomwe yako kuti urege kubhadhara kadhi rechikwereti chikwereti.