Dzivisa matambudziko emari kuburikidza nekushandisa zano rebenzi-uchapupu
Ungazvidzivirira sei kune dambudziko rakazara rezvemari?
Uyu mubvunzo unokosha. Ndinoda kupa nyaya iyi kutaura pamusoro pezvinhu zviviri:
Chokutanga, tichaongorora kuti vanhu vanozviwana sei mumatambudziko emari . Ndezvipi izvo zvinokonzera izvi?
Zvadaro tichazotaura pamusoro pematatu matanho aunogona kutora kuti uderedze mikana yokuti iwe uchange uri mune imwe nzvimbo inoshungurudza.
Une Chirongwa Chekuda Kwekugadzirisa Kwemari?
Iwe waizoitei iwe kana iwe kana wako wako kana zvimwe zvakakosha zvakatorerwa kubasa?
Chii chaizoitika?
Zvinosuruvarisa, vanhu vazhinji havagoni kupindura mubvunzo uyu. Imba yakawanda yemhuri haina chirongwa chekugadzirisa kuti vachazoita sei kana mumwe wavo kana vaviri vakaroorana vanorasikirwa nebasa.
Somugumisiro, ivo vari rimwe rinoputika kubva kune njodzi yemari.
Zvichida izvi hazvisi mamiriro ako, zvakadaro. Zvichida iwe watova nepurogiramu panzvimbo yezvingaitika kana mumwe munhu akadziviswa.
Zvichida wakafunga kuti ungabhadhara sei mari yako yekugara kubva kune imwe mubhadharo uye zvingatarisirwa mari kubva kune imwe munhu mubhadharo. Muchiitiko chekuti iwe unorambidzwa kubva kubasa, iwe unogona kunge uchingosangana nemari yako yekutanga. Kana izvi zviri izvo, kutanga kwevose kukwazisa, iwe uri mberi kwechibvumirano .
Ko Zvakadini neChirongwa Chekuchengeta?
Chechipiri, rega ndikukokere kuti utore chikamu mune imwe pfungwa yekuedza. Chii chaizoitika kana iwe newawakaroorana naye mukazorora panguva imwe chete?
Mune mamwe mazwi, chii chaizoitika kana mari yako yose yemari yakawana zero?
Mukuwedzera kune izvozvo, chii chaizoitika kana motokari yako kana firiji yako yakaputsika, kana denga rako rakatanga kusvetuka panguva iyo mumwe kana iwe mose musingashandi? Ungagona here kubhadhara zvikwereti izvi?
Vanhu vazhinji havana kugadzirira zvinhu zvisingatarisirwi zvachose, uye vazhinji vevaya vasina kugadzirira.
Vanhu vazhinji vanogona kugadzirisa njodzi imwe chete panguva imwechete, yakadai sedare rakaputsika, denga rakanyarara, kana kuti rakaputsika, asi haigoni kubata nemamiriro ezvinhu akawanda anonetsa anozovarova vose kamwechete.
Kana iwe uine usati wakagadzirira kana usati wakagadzirira zviitiko zvisingatarisirwi zvemari , ungaitei? Heano mazano mashomanana.
1. Gadzira Imergency Fund
Iwe unofanirwa kuchengetedza pakati pemwedzi mitanhatu kusvika kumatanhatu yemari yako yekugara yekushandisa mune imwe nhoroondo yekuchengetedza . Zvokugara zvekushandisa zvekugara zvinotarisa kune zvakakosha zvakadai seimba, zvekudya, petroolin, mari yemishandiro yemainishuwarenzi, zvishandiso, nezvimwe zvikwereti zvinokosha.
Ngatitangei nokuda kwemuenzaniso wekuti mari yako yaunoshandisa inosvika ku $ 5,000 pamwedzi. $ 2,000 yeiyi inopedzwa nezvokudya zvekudya, zvipfeko, kuenda ku Starbucks, zororo, mazororo, zvipo, itsva iPads, uye urongwa hwevamwe discretionary mari. Imwe $ 3,000 yeiyi inosanganisira zvikwereti zvako zvekutanga.
Kana iyi ndiyo bhajeti yako yemazuva ano, iwe unoda kuchengetedza mari yekukurumidza iri pakati pe $ 9,000 kusvika ku $ 18,000. Izvi zvakakwana kuti zvivhare mwedzi mitatu kusvika kumatanhatu yemari yako yemari .
2. Kubhadhara Chikwereti
Kuderedza mabhiriro ako, zviri nani pane chinzvimbo iwe unenge uine kana njodzi yemari inowira. Imwe yenzira dzakanyanyisa kuderedza mari yako ndeyokubvisa chikwereti chipi zvacho chiripo.
Pane mazano maviri pamusoro pekubvisa chikwereti chako . Imwe nyanzvi inonzi chikwereti stacking inotaura kuti iwe unofanirwa kuita urongwa wezvikwereti zvako zvose zvichienderana nehuwandu hwechikwereti.
Iwe unobva warasa zvese zvakasara pamadhora nemutengo wepamusoro, uchichengetedza mari yako shoma pane mamwe mimwe chikwereti (zvechokwadi), uye kanda mari imwe neimwe yaunayo pane imwe yepamusoro.
Icho chimwe chidzidzo chinonzi chikwereti chechikwata . Inotaura kuti iwe unofanira kutora rondedzero yako chikwereti kubva kubva duku kuduku kusvika kune imwe huru. Iwe iwe zvino ita mari shoma pane zvose zvezvikwereti zvako uye uise pasi rose rega rega raunenge uri pane chikwereti chiduku.
Kana wapedza kubvisa izvi kubva pane zvawakanyora, uchanzwa kufara kwekukunda, izvo zvichapa chikonzero chako kuti urambe uchienda . Chikwereti chechando chinonzi shanduro chinoshandisa mutemo wezvakawanda zvakakunda kukuchengetedza iwe.
Inotarisana nepfungwa yokuti hutano hwakanaka hwekutarisira hahuzi nyaya yemasvomhu, zvakanyanya sokuti inokurudzira. Edza imwe yemishonga iyi; hakuna mumwe munhu ari nani kana kuti akaipa pane imwe.
Sarudza chero chaunoshandisa iwe. Kana iwe ukaedza imwe uye iyo isingaiti seinoshanda, edza imwe uye ushandise chero nzira ipi inokupa iwe kubudirira.
3. Deredza Zvimwe Zvikwereti Zvako
Dzimba dzako nhatu dzinodhura zvikuru dzimba, kutakura, uye zvokudya. Chengetedza izvi zvitatu zvakaderera. Urarame mune imwe imba duku, inodhura kupfuura iwe unokwanisa kukwanisa kugara mairi. Gadzira motokari yakashandiswa kana kugara munharaunda yaunogona kushandisa kufamba kwevanhu kana kufamba. Pheka kumba kazhinji kuti uderedze zvokudya zvako.
Pasi iwe unogona kuchengeta mari yako yepamwedzi yemwedzi, iyo inowedzera kushanduka kwaunenge uine mubhadharo yako. Izvi zvinogadziriswa zvichauya zvakanaka kana iwe ukamborohwa nenjodzi yemari.