Dzidza kugadzirisa mari yako, kunyange iwe usina mari yakawanda yakawanda
Kubhadhara mari uye kuchengetedza mari hakuiti zvisizvo kuvanhu vakawanda, nekuda kwezvikonzero pachena: zviri nyore uye kuedza kushandisa mari pane zvisiri izvo, kunyange kana bhajeti yako yakaoma.
Saka unogona sei kuenderera mberi nebhajari chaiyo uye kuchengeta mari?
Heano nhanho shanu dzaunofanira kutora kuti ugadzirisezve mari yako, kuisa mari yako mberi, kutora chero chikwereti chaunogona kuva nacho, uye chengetedza mitero yako. Aya mazano, akatorwa pamwechete, ane unhu chaihwo hwekuvandudza mari yako.
1. Tora Bhijidhi Yenyu Paya Track
Iwe hausi kuzoenda mberi mune zvemari kusvikira iwe uchinge uine bhajeti rinonzwisisika - iyo inobvumira zvose zvinyorwa zvepamusoro uye nekuda kwekukurumidza - uye unonamatira kune iyo bhajeti.
Kubhadhara mari yako ndiro dombo rekona yepfungwa yemari. Iwe unogona kuseka pfungwa yekusika bhajeti - mushure mezvose, iwe unofadza zvikuru kuziva zvaunopedza mwedzi woga woga, kunyanya pane zvinhu zvakakura-matikiti sebhadharo / kutengesa kana kutengesa motokari.
Asi edza izvi zvakadaro. Kugadzira bhajeti - uye kuitevera - kunogona kukubatsira kuona nzvimbo dzaunoshandisa zvakawanda kupfuura zvaunoona. Pano uchawana mazano ekugadzira bhajeti uye kutora mari pamwe chete nemamwe mano ekugadzirisa mari.
2. Dzidza Kuderedza Kudhonza
Kuvandudza bhajeti yako kuchakubatsira kuona nzvimbo dzaunoshandisa kupfuura iwe zvawakaona. Asi danho rinotevera rakanyanya kuoma: kudzvora mari yako pane zvinhu zvisingakoshi.
Izvi zvinoda mumwe mweya-kutsvaga pane zvinhu zvose zvakakura uye zviduku.
Somuenzaniso, iwe unonyatsoda $ 5 kofi mangwanani oga oga here? (Vamwe vachati hongu, asi kune vamwe mhinduro yacho kwete.) Ungaita here kuti uite nemotokari duku, yakakura? Panzvimbo yezororo rinodhura muzhizha, iwe ungaedza "kugara-cation," uko iwe unogara kumba (zvakanyanya kudhura) uye wozororera ikoko?
Zvose izvi zvinosarudzwa uye zvinhu zvakawanda zvinoitika, saka hapana mhinduro yakarurama kune vakawanda vavo. Asi kuzviisa kunze kuchakubatsira iwe kuisa mari yako mberi, uye izvozvo zvichakubatsira kuona nzvimbo dzaungachengetedza mari.
3. Shandisa Nekwereti Chako
Vanhu vashomanana vanoenda kure muhukuru pasina kuunganidza imwe chikwereti chekwereti: makadhi emakadhi, zvikwereti zvevadzidzi, mari yemari yemotokari, uye mari yekubhadhara mari yakawanda. Zvechokwadi, chikwereti chinogona kuva chinhu chakanaka (ndiani ane mari yekutenga imba chaiyo?), Asi kiyi ndechokuti uishandise nokungwara.
Marikiti yemakadhi uye mamwe maitiro emakwereti anogona kuva chikamu chinokosha chebhokisi rako rekushandisa mari, asi iwe unofanirwa kuchenjerera kana uchishandisa zvishandiso izvi. Kunzwisisa musiyano pakati pekwereti yakanaka uye chikwereti chakaipa kuchaenda nenzira yakareba pakuita kuti iwe ugadzire nekuchengetedza yakanaka chikwereti chenhoroondo.
4. Kuponesa Mari Sei?
Kuvaka upfumi, unofanira kutanga pane imwe nzvimbo. Saka, kukwanisa kuchengetedza mari ndiro dombo rekona yekuvaka upfumi.
Kuti uchengetedze mari, iwe unoda kushandisa mari shoma pane yaunowana. Izvi zvingaita sezviri pachena, asi kazhinji, zviri nyore kutaura pane kuzviita. Nenzira yakanaka, pane zvigadzirwa zvakawanda zvaungashandisa paunotanga kuchengeta mari, kunyange kana bhajeti yako yakasimba.
Iyo inonyanya kukosha pane izvi ndeyekuchengetedza chete. Vhura kero yekusachengeta, uye sarudza kero yako yekuongorora kuitira kuti iwe uchitengesa mari yakaiswa mwedzi wega wega mumabhuku ako ekuchengetedza.
Iwe haufaniri kutumira mari yakawanda - tanga nezvose zvaunogona kuita bhajeti. Asi kuzviita izvi zvisingatauriki (uye zvino kurwisa chido chekushandisa mari yacho zvisiri izvo) kuchakuita iwe mumugwagwa wekutora kwenguva refu.
5. Ita Zvekare kuTai Mitero Yako
Hapana anofarira kubhadhara mitero, asi iyo inokosha pane imwe hurongwa hwemari.
Kunyange kana iwe usingaiti mari yakawanda, unogona kushamisika kuziva kuti dzimwe nzira dzekubhadhara mitero uye zvisarudzo zvingakanganisa sei mari yako.
Kudzidza nzira yekudzikisa mitero ine mitero yemari yako inogona kuvimbisa kuti mari yakawanda inopinda muhomwe yako uye iri kushandiswa kune zvinangwa zvako zvemari.