Nzira yekugovana mari mari pasina shungu
Kubatanidza mari yako haisi pfungwa yose-kana-isina. Vakaroorana vanogona kusarudza kubva kune dzimwe nzira. Ngatitarisei mimwe mienzaniso.
The Proportional Method
Vakaroorana vanoshandisa "nzira yakatarwa" yekubatanidza mari yavo yega yega chip muimba yekubhadhara pamutengo wekuenzanisa nemari yavo.
Muenzaniso: John naSally
John anowana $ 2,000 pamwedzi, iyo inenge 33 muzana yemari yeimba yavo yose. Sally inowana $ 4,000 pamwedzi, iyo inosvika 66 muzana yemari yose yemhuri.
Vakaroorana vanoshandisa $ 3,000 pamwedzi pamishapa yeimba yavo, yakadai sekubhadhara mari yavo, zvishandiso, zvekudya, uye imwe yegumi nezviviri pamari yavo yegore negore yakadai semitero yavo yemitengo .
John anowana 33 kubva muzana yemari yakabatanidzwa pamwe chete, saka anoripa 33 kubva muzana yemari yavo ye $ 3,000 pamwedzi, iyo inokwana $ 1 000.
Sally inowana 66 kubva muzana yemhuri yakabatanidzwa pamwe chete, saka inopa 66 muzana yemwedzi yavo yemwedzi, iyo inofanana ne $ 2,000.
Nzira dzekushandisa: Inonyanya kukosha ndeyokuti mumwe wako haanzwi kuomerwa kwe "kuramba" kana "bhajhesi kusvika" kuwanikwa kweumwewo. Mune mamwe mazwi, kupesana kwavo kwekuwana hakuiti kuti mararamiro ehupenyu apesane.
Vaviri vacho vanonakidzwawo ne "nzvimbo yepakati-pasi" yemari yakavhenganiswa yemari. Vanopa zvikwereti zvemhuri, asi vanozvichengetedza mari yavo pachavo semunhu mumwe nomumwe.
Mutezo: Chimwe chinhu chinonyanya kukanganisa ndechokuti mukomana anowedzera-kuwana angatanga kunzwa ane shungu kana kuti angatanga kunzwa sevari "kutongerwa" kuti awane zvakawanda.
Iyo Raw Contribution Method
Vakaroorana vanoshandisa "nzira yekubatsira yakasvibiswa" imwe chip chipimo muhamba yakafanana, zvisinei nokuti vanoita zvakadini.
Muenzaniso: Danny naKate
Danny anowana $ 3 500 pamwedzi. Kate anotora $ 5,000 pamwedzi.
Mari yeimba yavo inouya ku $ 4,000 pamwedzi. Izvo zvipi zvese mu $ 2,000 uye kuchengeta zvakasara zvemari yavo muzvikamu zvakasiyana.
Nzira dzepamusoro : Mukana wekuwana mari yakakwirira haanzwi "kupomerwa" nekuda kwekubudirira kwavo, uye muwani wekuwana mari shoma haanzwi "anotsigirwa.
Mutengo: Vanoda chibvumirano pamusoro pezvinofanira kuita kana mari yomumwe wako inodonha kusvika zero (somuenzaniso, kana mumwe wevamwe vashaya basa ravo). Ukama hwavo hunogona kuoma kana Kate akararama upenyu hunofadza kudarika Danny nokuti ane mari yakawanda "inofadza" yakasara mushure mekubhadhara zvikwereti. Vamwe vakaroorana vanotsoropodza nzira iyi sevanonzwawo se "vagaro-sa."
# 3: Kuzadzisa Kubatanidza
Vakaroorana vanobatanidza zvizere mari yavo vanobatanidza mabhengi avo ebhengi , vanotakura kero chete yekodhi kana kuti debit, uye vanyorerana pamari yavo yekutsvaga .
Muenzaniso: Devon naHilary
Devon inowana $ 3 700 pamwedzi; Hilary anowana $ 2 600. Zvose zvikwereti zvinowanikwa zvakananga mujeri rekuongororwa, izvo vaviri vacho vanoshandisa kubhadhara zvikwereti zvavo zvose.
Vaviri vacho vanotakurawo mari yekubatanidza mari kana kuti debit, iyo yavanoshandisa kubhadhara zvose zvavanenge vatenga, pasinei nokuti ichatenga imba (seyi microwave) kana kuti munhu anotenga (Hilary anoshandisa $ 100 pamwedzi pa salon hair, nepo Devon anoda kuunganidza baseball makadhi).
Zvimwe: Vanobatana sechinhu chimwechete - "isu" pane "iwe" uye "ini." Hapana waanoshamwaridzana anoenderera mberi "kuverenga. Kana mumwe munhu awana mari yaanowana kana kuti mari yomumwe munhu inowira, ivo vanofananirana kunze . Kuremekedza-kuchengetedza kunowedzerawo nyore.
Mutezi: Mupiro wepamusoro-wero anogona kukanganisa muchengeti wekuchechera kwepasi kuti atore mari yake, kunyanya kana munhu mumwe chete ari kutarisa kuva spender apo imwe inowanzova yakaoma.
Mhedziso
Hapana imwe nzira yakanakisisa yekubatanidza mari yekubatana. Chinhu chakakosha zvikuru kuziva kuti kune nzira dzakawanda dzaungashandisa.
Iwe newawakaroorana naye munofanira kuongorora kubudirira uye kukanganisa kwegadziriro imwe neimwe yekusarudza nzira ipi inofanirwa iwe.
Kana ukasarudza nzira, usatya kutya tweak kana kuchinja. Iwe newawakaroorana naye munogona kuedza kutsvaga mazano akasiyana-siyana musati mawana "muyero wakakwana" pakati pemunhu mumwe nomumwe wemari yako uye nemudzimai wako mari .