Maererano nekuongorora kwakaitwa 2015 CareerBuilder, 61% yevashandi vanoti vanogara mari yekubhadhara kuti vabhadhe.
Nhamba yacho yakakwirira kudarika gore rapfuura apo 49% yevashandi vakarondedzera kubhadhara mari yekubhadhara kubhadhara.
Chikonzero nei Kurarama Kwekubhadhara Kwekubhadhara Kunotyisa
Dambudziko rekubhadhara mari yekubhadhara kuti ubhadharwe ndewekuti iwe unotanganisa kukanganisa kwemari. Zviri nyore kuunganidza yakawanda kadhi rechikwereti chikwereti kana kuipa, payday chikwereti chikwereti . Kana pane chikwereti chekwereti chikwereti chaunowedzera, iyo inowedzera mari yako shoma ichave. Usati wazviziva, hauzokwanisi kubhadhara mari yako shoma uye iwe haugone kukwereta mari yakawanda kuti uwane zvigaro.
Nemhaka yokuti ramangwana rako rinoenderana nemari yako yazvino, unofanirwa kurega kurarama mubhadharo kuti ubhadhe ikozvino.
Nzira Yekurega Kurarama Paycheck ku Paycheck
Iwe uri kurarama mubhadharo kuti ubhadhara kana nokuti hausi bhajeti kana kuti iwe haugadziri mari yakakwana yekuvhara mari yako.
Tanga nekugadzira bhajeti (kana kugadzirisa rakaputsika bhajeti). Bhengi inokubatsira kuronga kuti ungashandisa sei mari yako.
Kugadzira bhajeti kunoita kuti uzive mberi kwenguva kana iwe uchiita mari yakakwana yekupa miviri. Kana zvose zvaunoshandisa zvakakwana mukati mebhajhini yako, ipapo mari yako inowedzera uye kushandisa kwako inetso.
Chengetedza mari yako . Kana bhajeti yako isiri kushanda, chengetedza mari yako kuti uone kuti mari yako iripi.
Chengetedza mabhizimisi ako kwemavhiki mashoma. Vaparadzanisa ivo muzvikamu zvakadai segesi uye nezvokudya, ezvo wobva wawedzera mapeji emhando imwe neimwe. Izvi zvichakuita kuti uone kuti uri kushandisa mari yakawanda. Kana iwe uri paIndaneti uchitarisa uye uchinyanya kushandisa chekiti uye kadi yako yebhadharo, unogona kukwanisa kutengesa mabhizimusi ako kuExcel kana shanduro yemari yakafanana neMint.com.
Dzvora mari yako . Kana ukangoona kuti mari iri kudii, unogona kutanga kuvhara matanho. Izvi zvinogona kuda kuti mararamiro ehupenyu achinje. Semuenzaniso, kana iwe wakagara uchitenga $ 5 latte mangwanani ose musati washanda ($ 100 pamwedzi), unogona kutanga kuita kofi pamba ($ 20- $ 25 pamwedzi), kana kuenda pasina coffee zvachose. Iwe unogona kubvisa kubhadhara kambani inodhura, nokuti kana iwe uri kurarama mubhadharo kuti ubhadharwe, iwe haukwanise kuwana.
Wedzera mari yako . Kuwedzerwa mari yako haisi nguva dzose inogona, asi kune zvimwe zvingasarudzwa kunze kwekutora kukwidziridzwa. Kana iwe kazhinji uchingowana mari yekubhadhara mutero, unogona kukwanisa kuchinja mitero yako yekutora uye kuwana mari yakawanda mubhadharo yako mwedzi mumwe nomumwe. Zvechokwadi, izvi zvinoreva kuti iwe unowana mari yepamusoro (kana iwe uchiwana imwe zvachose), asi iwe uchava nemari yakawanda yekushandisa mukati memwedzi. Iwe unogona kufungawo kushanda chikamu-nguva kana kuita mari kune rumwe rutivi nekunaka.
Chenjerera: kuita mari yakawanda hakusi kugadzirisa nguva yako yekubhadhara kubhadhara dambudziko. CareerBuilder inoshuma kuti 30% yevashandi vanoita nhamba dzitanhatu kana kuti vazhinji vanoti ivo vari kurarama mubhadharo kuti vabhadharwe.
Shandura mafungiro ako nezvemari . Kazhinji vanhu vanorarama mubhadharo kuti vabhadhara havakwanise kushandisa mari yakanakisisa kudarika zvisarudzo. Dzimwe nguva vanonyanya kufungidzira kuti vangashandisa mari yakawanda sei uye vanopedza kushandisa mari yakawanda kupfuura iyo yavanoita. Unogona kuzviwana uri kushandisa mari yakawanda pane zvinhu zvaunoda kupfuura zvinhu zvaunoda. Kana, zvinogona kuva kuti mari yako iri kupera mumapfigiro iwe wausingazivi waivapo. Chero, chiitiko, kuisa bhajeti uye kubhadhara zvakanyanya kushandiswa kwako kuchakubatsira kuti udzoke pamugwagwa.