Kudzidzisa mwana wako pamusoro pemari hakusi nyore. Asi kana iwe uchiita zvakarurama, unogona kuzvigadzirisa kuitira hupenyu hwose hwekubudirira kwemari . Uye ndiani asingadi izvozvo?
Pasi apa, mazano edu akakodzera uye mazano okudzidzisa mwana wako kuti aite sei-uye anonamatira kune-bhajeti.
Tanga Nezvokutanga
Ko mwana wako achiri kuyaruka anoziva musiyano pakati pezvakatarisirwa uye chaiwo mari inoshandiswa? Nguva shoma kwenguva refu uye kwenguva refu? Nzira yekuchengetedza sei chinangwa chekugara kwenguva refu chemari , kana kuti ungadzivisa sei chido chekupedza zvakawanda kupfuura zvavanowana?
Kana zvisingaiti, tanga ipapo.
Vanofanirwawo kunzwisisa zvinonzwisisika zvepamberi nepamushure-mitero yemari uye nheyo dzekufarira . Kana ivo vane pesaidzo, (saiyo mutengo kana bvumo Amai vakazvitenga kuti vawane gore ravo rokuzvarwa gore rapera,) vanofanira kunge vaine ruzivo rwezvinokosha zvemusika .
Kana vasina kutora imwe, iyi inguva yakakura yekuzarura kambani yebhangi kumwana wenyu. Iwe unofanirwa kuverengerwa semutarisiri wekambani, nenzira iyo unogona kuchengetedza mabheji pamashandisirwo, zvingaita zvekare zvekare , mari, uye mamwe mimwe nyaya. Zvadaro, vabatsire unyanzvi hwakanaka sekuenzanisa chikwangwani (chechikoro-chekare, asi chichibatsira), uchishandisa kadhi yebhengi, uye kuchengetedza kushandiswa kwemari kuburikidza nebazi rekubudisira paIndaneti kana purogiramu.
Iva nemwana anonyanya kufambisa pakutarisira kwemari kare? Funga kuvhura chikamu chemakadhi echikwereti kwavari, uye uchivabatsire kushandisa zvakanaka-uye kubhadhara-chikamu mwedzi mumwe nomumwe. Yeuka, hazvina kumboitika kare kuti utange kuvaka chikwata chakanaka.
Itai Kuti Vabatanidzwe
Regai vagara mumitambo yemhuri yemhuri pamusoro pesarudzo. Tanga zvishoma, uye usatarisira kuti vanzwisise zvinhu zvose pakarepo, (kureva musangano wakadzika pamwe nemari wako wezvemari maererano nehuwandu hwemari yako yekusimwa inogona kuva yakanyanya kuti vashandise kunze kwekuti iwe une mazamu mazamu pamaoko ako.)
Asi vabvumira kuti vabatanidze musangano wenyu wegore negore rebhajhe nemumwe wako-kana kugara pasi navo uye kuburikidza nemari yako, mutsara-nemutsetse kana iwe uri mubereki ari oga.
Pfungwa iyi ndeyokukurudzira kunzwisisa kwokuti mari yakawanda sei, iyo inoparadzaniswa pakati pemitemo, kushandiswa, mari, uye zvimwe zvinoshandiswa semari. Zvadaro, vanogona kuona kuti zvakasara zvakadini zvisiri-discretionary kushandisa (mabhizimusi, zvigadzirwa zvepurasitiki, mari yezvemari), uye pakupedzisira, zvakadini zvakasara zvekushandisa mari yekushandisa (kudya kunze, kutenga zvipfeko, nezvimwewo)
Uchishandisa nzira iyi, unogona kuvabatsira kuti vaone kuti dollar imwe neimwe mubhajheji yako inotarisirwa. Uye kana mari yacho yasvika, hakuchazovizve kushandiswa kwemwedzi iwoyo. Izvi zvichavadzivirira kuti vasashandise zvakawanda kupfuura zvavanowana sevanhu vakuru, mari yakaipa tsika .
Yeuka, nzira yakanakisisa yekudzidzisa vechidiki pamusoro pehupfumi ndeyekuti vaone muenzaniso chaiwo, mararamiro ekuti zvinoshanda sei, zvino kuisa izvo zvavakadzidza kuita mumwedzi wega wega.
Vabatsire Kutarisira Vavo Voga Mari
Pasinei nokuti iwe uri mupiro waunovapa kana kuti zviwanikwa kubva kune rimwe remaawa, zvinenge zvichida kuti mwana wako ari kuyaruka ane mari. Kunyange zvazvo ichi chikamu chingaita sechinyorwa, usangozvitendera kuti vashandise zvose-ndiyo mukana wakakwana wekuvadzidzisa pamusoro pebhadharo pane zvishoma.
Vabatsire kusarudza matanho akasiyana-siyana ekugadzirisa mari uye kuti mari yakawanda sei yekuisa mune imwe neimwe. Mienzaniso inogona kuva: yekupfeka bhajeti, kuenda neshamwari, gesi mari, kuchengetedza, uye kupa kune rudo rwaunoda. Asi ramba uchifunga kuti vechidiki havana mari yakafanana yevanhu vakuru vanoita, naizvozvo mari yavo yebhadharo ichaita zvakasiyana zvikuru. (Somuenzaniso, hakuzovi nebhajami chinhu chebhadha, mabhiriji, kana kuti zvokudya.)
Chimbofunga zvakanakisa kana mwana wako achibudirira kuburikidza nemari yavo muzvikamu zvitatu zvakasiyana-uye haakukumbirei mari nguva inotevera apo ivo vachienda kundotora pizza neshamwari nokuti vakatoti vagoisa mari iyo.
Ita Kuti Vabatisise Kubhadhara
Edza izvi shanduro bhajeti kuti ubatsire mwana wako achiri kuyaruka kuziva mari yavo.
Muenzaniso wedu wekusabatanidzwa unosanganisira zvikamu zvezvose zvinotarisirwa, pamwe chete nemari chaiyo yekuwana / kubhadharwa, kuitira kuti mwana wako anokwanisa kuwana nguva chaiyo yekutsvaga kuti anotsigira sei bhajeti ravo, kana kuti vari pedyo sei nekuzadzisa zvinangwa zvavo zvemwedzi.
Zvinangwa zveMwedzi zvinogona kusanganisira kuchengetedza zvimwe ($ 1 000 inowanikwa zvakanaka), kana kunyange kutora rwendo kana kuenda kune kambani huru neshamwari. Ramba uchifunga kuti iyi ndiyo template iri nyore. Vechidiki vako vanogona kuwedzera zvikamu zvevamwe mari, mari, kana mwedzi-kupfuura mwedzi kuchinja sezvavanotanga kuwedzera. Iyi template inogona zvakare kushandiswa zvakare mwedzi woga woga.
Inowanikwa | Anotarisirwa | Actual |
| Allowance | ||
| Mibairo | ||
| Zvimwe | ||
| Zvose: | ||
| Kutenga | ||
| Kutakura | ||
| Kuvaraidza | ||
| Nguo | ||
| Kupa | ||
| Savings | ||
| Zvose: | ||
| Mwedzi Nezvinangwa | ||
| Kuponesa | ||
| Zvimwe: |
Zvimwe zvishandiso zvikuru zvevechidiki zvinosanganisira kubhadhara mari yeWall, BusyKid, iyo inochengetedza mabasa epamba uye inoita kuti mwana wenyu agone kubhadhara mari imwe chete kana apedza, uye FamZoo, mhuri-wide budgeting tool. Mint.com zvakare isarudzo huru yekushandisa bhajeti kwemakore ose.