Ndezvipi zvinowanzoonekwa nehuwandu hwemari? Ndezvipi zviratidzo zvinokonzera mamwe mararamiro kuti abudirire uye vamwe vokundikana?
Bhengi Yenyu Inofanirwa Kufungidzira Zvaunotanga Kuita
Danho rimwe harisi kuita bhajeti . Ndiyo nhanho mbiri. Nhanho imwe ndeyokugara zvakare nepepa risina pepa uye funga nezvezvinokosha zvikuru muupenyu hwako. Chii chakakosha kwauri? Unofunga nezvehupenyu hupi? Ichi chiito chakakosha, saka usachirega.
Iwe unogona kupedza mazuva mashoma uchifunga zvakanyanya nezvemubvunzo uyu. Iwe unogona kuitaurirana nemhuri yako, shamwari kana mutungamiriri wechitendero. Kufungisisa zvakanyanya pamusoro pezvinhu zvaunonyanya kukosha kungaita kuti iwe uite zvikonzero zvakadai sokuti:
- Chinonyanya kukosha ndechokuti uve nemari yakakwana yekuregera kwangu, saka handisi kuzova mutoro wemari kune vana vangu mumakore angu endarama. Izvozvo zvinonyanya kukosha kupfuura kutenga motokari yemakore maviri apo motokari yemakore mashanu yaizoita basa racho.
- Chechipiri chepamusoro-soro ndechekuwana mari yakakwana yekuendesa vana vangu kukireji. Icho chinonyanya kukosha kupfuura kupedza vhiki imwe chete pamahombekombe ichando ichi.
- Chinhu chechitatu chepamusoro-soro ndechekunzwa kuponeswa kwekutora chikwereti changu chakabhadhara zvizere. Kupa mari yakawedzerwa $ 100 pamwedzi kunotora chikwereti kunokosha kudarika kuwana misha itsva.
Rega ndive akajeka-ini handisi kureva kuti zvinhu zvinokosha zvakanyorwa pamusoro apa zvinofanira kuva zvako. Zvaunonyanya kukoshesa iwe pachako - iwe unofanira kusarudza zvaunofunga.
Iwe unogona kusarudza kutora vana vako kune imwe nyika - saka vanogona kuona imwe tsika - inonyanya kukosha pane kubhadhara mari yako yekutengesa kare. Kana iwe ungasarudza zvakasiyana. Ndicho chisarudzo chako. Pfungwa yacho ndeyekuti bhajeti yakabudirira zvikuru inoratidza kuratidzika kwako kwakadzika-zvakanyanya.
Ita Zviduku, Zvisina Kurarama Mazuva Ekuchinja
Zviri nyore kusiya pazvinangwa zvinonyanya kuda, zvakakurumidza. "Enda kumitambo yemazuva manomwe pavhiki!" angangodaro ane chido kune mumwe munhu asingashandisi zvachose, asi "enda kumitambo yekurovedza kaviri pavhiki" chinangwa chinonzwisisika. Saizvozvowo, kunyanya kukanda mari yako - kana kudzokorora zvakare kutungamirira mari yako-ingave yakakura zvikuru yehupenyu hwekuchinja. Zvakaoma kuenda kubva pakushandisa $ 100 pane varaidzo vhiki imwe neimwe kushandisa $ 0.
Gadzira bhajeti inokuita kuti uite zviduku zviduku pane mararamiro ako. Uya nehombodo yemasikati kuti ushande. Tenga pane zvekubudiswa kwezvinhu zvako zvekudya zvekutengesa (saNorstrom Rack panzvimbo yeNorstrom). Kana uchizoita shanduko huru, itai mu "big-tiketi" nzvimbo - sekutenga kechipiri yemakore matanhatu yeChristian Accord panzvimbo yeAcura ane makore 1. Ndicho chaunotenga iwe unofanira kungoita kamwe chete - mushure mekutenga iyo motokari, hapana muedzo wokutenga motokari yakasiyana vhiki inotevera.
Tsvaga Zvaunowana
Hapana chinofananidza nekunzwa pfungwa yekuita. Ita matanho mumabhadharo ako kuitira kuti ugone kugutsikana nekurova zvinangwa zvako. Izvi zvinoshamisa zvinogona kunge zvinomiririra - uchiti, apo iwe wakabhadhara $ 10 000 zvekubhadhara chikwereti chako (pamwe nekugara uchibhadhara chikwereti).
Zvechokwadi, iwe hauna chikwereti chako chose chekubhadhara chiripo-asi iwe uri $ 10 000 pedyo, uye ndicho chikonzero chekupemberera.
Heino nheyo inokosha: Haufaniri kupemberera nekuparurging. Izvozvo zvakafanana nokupemberera kurasikirwa nemapirundi mashanu nokudya cheesecake yose. Tinodzidziswa kutenda kuti "kupemberera" kunosanganisira kushandisa mari yakawanda. Hazviiti.
Zvechokwadi mhemberero - pamusana wayo - kazhinji inosanganisira kushandisa nguva yakanakisisa nevanhu vaunoda. Iwe unogona kupemberera nokugadzirisa mimhanzi uye kutamba muimba yako yekugara. Unogona kupemberera nekubhadhara bhafirimu yako yaunofarira kana kupedza zuva pane pepa yako yaunoda. Kana iwe unogona kupemberera nenzira yawakaita iwe pawakanga uri mwana: nokupa mumwe munhu ane mafaro akareba-mashanu.