Shandisa iri bhajeti kuti uchengetedze nyore nyore mitero, kuchengetedza, uye hupenyu.
Kana zvasvika pakugadzirisa mari yako pachako, Mark Twain angadaro akati zvakanakisisa, "Chakavanzika chekuenda mberi, chiri kutanga."
Asi kutanga kunogona kutyisidzira, kunotyisa kunyange. Zvinoratidzika zvakaoma. Unotangira kupi, uye unochengetedza sei zvose?
Nhau dzakanaka. Hazvisi izvo zvakaoma. Zvinyorwa zvepfungwa zvekubudirira kwemari zviri nyore uye kurangwa. Ita vavariro dzakajeka, ita kuti zvive nyore-kutevera maitiro uye maitiro kuti uite zvinangwa zvako uye unamatira nepurogiramu gore mugore uye gore kunze kusvikira iwe warova chiratidzo.
Kubhadharira, ibwe rekona rekushandisa mari, muenzaniso wakanaka. Bhizimisi inowanzoonekwa sejeri rejeri; chimwe chinhu chinopedza rusununguko rwedu kuburikidza nekuyeuchidza nguva dzose pamusoro pemiganhu uye kuita kuti tive nemhosva. Zvakaipa, kutarisa mari uye kugara tichivandudza shanduro yebhajheti nguva dzose patinenge tatenga gwaro remaini rinoratidzika semabasa ekukuya.
Asi, chaizvoizvo, bhajeti yakanyatsogadzirirwa inonyanya kukosha kwejeri yekutambudzika kwemari. Kana iwe uchiziva kuti uri kushandisa sei mari yako, iwe unogona kuita zvisarudzo zvakajeka (uye kuchinja) kuti uone kuti iri kushandiswa zvakajeka kuti uwane zvido zvako, uye fambisa mberi zvinangwa zvako zvenguva refu. Kana ukangotarisisa zvakanaka zvaunoshandisa iwe uchashamiswa nemari yaunoshandisa mune dzimwe nzvimbo - kofi, cable TV, kunyange kutengesa. Zvine zvinyorwa izvi, iwe unogona kusarudza kuti ndezvipi zvinoshandiswa kugadzirisa uye iwe unofanirwa kushanda zvakaoma sei kuti uwane mari yakawanda kune buck yako.
(Zvichida haufaniri kunge uri kuita zvese zvekutenga paWele Foods.)
Uine ruzivo urwu, unogona kuronga hurongwa hwemwedzi wega wega hwekuchengetedza uye kushandisa mari iri nani inoshumira zvinangwa zvako. Izvozvo zvinonzi bhajeti.
Kana pfungwa yekusika nekuchengetedza bhajeti yakazara inokuita kuti uite hyperventilate, iyo TSL system inzira yakanaka yekugunzva mimwe yako mumvura.
Zvaisazova nyore. Iwe unongoraramira nehuwandu hunotevera hwehuwandu hwemari yako.
Percentages
- Mitero (30%) - Maddening, asi ichokwadi. Iwe unofanira kusiya chikamu chimwe chetatu chemari yako yakawanda kuvhara federal uye hurumende yemitero yemitero uye zvisingaverengeki zvimwe zvikwereti zvehurumende zvatinobhadhara, kusanganisira mitero yeimba. Izvo mheremhere yemari inofamba ichidzika pasi iyo inofanira kukukurudzira kuti uone kuti iwe ungakwanisa sei kuderedza mutero wako.
- Kuponesa (20%) - Ichi ndicho chaunofanira kunge uchichengetedza kubhadhara uye zvimwe zvinangwa zvenguva refu, zvakadai sokutenga imba. Zvakanaka, zvakawanda zvemari iyi zvichava mumushandirwi-anotsigirwa 401k, apo ichakura musingabhadhara mutero kusvikira wapera basa. Kana uchinge wakanyanyisa 401k yako uye usati wawana 20% yemari yako yakawandisa, tanga iyo yega yega yekwereti yekwereti uye uchengetedze pasha.
- Upenyu (50%) - Pamusoro apa inokusiya iwe nehafu yenguva yako yakawanda mari yekubhadhara zvinhu zvose zvaunoda uye zvaunoda muupenyu, kubva pane zvekudya uye pokugara kumotokari kugadzirisa kudya kwemajasi kusvika pakuwana vana ku Starbucks kune iyo gum. Kana iwe ukaita $ 80,000, une $ 40,000 kuti uwane zvese zvinoda / zvaunoda. Kuisa nhamba chaiyo pamusoro pekuti iwe unowanikwa zvakadini kupedza gore rino kunogona kuita kuti iwe zvakare ufungisise zvimwe zvekushandisa kwako.
Nzira yeTL yakaratidza kuti inosvika zviuru makumi mashanu zvekuita bhajeti. Kunyange zvazvo ini ndichiiona sechinhu chekutanga chekutanga, ndine mari yekugadzirisa vatengi vanogara pane iyi uye vasingamboshandisi mamwe majejeti emari. Vanhu ava vanowanzochengeteka mune zvemari. Vane ruzivo rwakakosha uye vanorarama zvakanaka mune zvavanokwanisa. Iko kune zvakawanda zvakagadziriswa mubato ravo re "Living".
Vazhinji veAmerica, ini ndinotenda, inofanira kutora nguva nekuedza kuumba mari yakawanda yegore negore. Haifaniri kunge yakaoma. Iwe haufaniri kupedza maminitsi makumi mashanu ekuputsa zvido zvako zvekutengesa nekugadzira zvinyorwa 20 zvebhajheji zvakasiyana. Tanga nekutsvaga zvinhu zvikuru-dzimba, zvishandiso, zvokudya, varaidzo, mbatya, motokari, uye nezvera. Iwe unogona kuwedzera zvikamu kupfuura nguva. Mari yako inoshandiswa ichava yakakosha uye ine simba kana iwe uchinge uchinge uchinge waita basa.
Hungu, kubhadhara bhajeti kunotora nguva uye kushanda. Asi mubayiro maererano nekuderedza kushungurudzika nekushandiswa kwakanyanya kwemari yako zvakakosha.
Sezvaimbova Navy SEAL uye mutariri webhizimisi Jocko Willenk anoparidza, "Kuranga kunofananidzwa nehusununguko." Mashoko akadai haana kumbobvira ataurwa panyaya yekugadzirisa mari yako.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo