Dzidza Nheyo dzekuita bhajeti inoshanda kwauri
Izvi ndizvo zvinoreva kuti vazhinji vedu tinoshandisa mari yakawanda sezvinoda kuverenga (nzira yatinoda kushandisa mari yedu, munyika yakakwana) panzvimbo yezvakanaka-based guidelines (nzira yatinoda kushandisa mari yedu kuti tiwane zvinangwa zvemari).
Kugadzira bhajeti inoshanda uye inokubvumira kurarama hupenyu hunofadza uye hunofadza, unoda kuwana zvakasimba pane zvaunenge uchishandisa panguva ino, zvaunokwanisa kutenga , uye zvaunofunga.
Pasinei nokuti une dambudziko rakanamatira kubhajheji yako kana usina kukwanisa kuumba imwe, iyi iri nyore, nhanho-nhanho nzira yekukubatsira iwe kugadzira bhajeti iwe uchakwanisa kutevera.
Tsvaga Chirongwa Uchave Unonyaradza Kushandisa
Kana uchida kutarisa zvinhu zvose iwe pachako kuti uone kunyanya kwaunoita mari yako, shandisa spreadsheet muExcel uye shandisa maitiro kuitira kuti usafanira kuramba uchiwedzera zvinhu nemaoko. Ita pfungwa yekuunganidza mabhizimisi uye mabhiriro pakupera kwezuva (kana vhiki) kuvandudza nhamba dzako.
Kana ukasarudza kuongorora kushandisa kwako pasina kushandisa mari yakawanda, shandisa nzvimbo yakadai seMint.com , iyo inokubvumira kubatanidza mabhengi ebhangi nemakadhi emakwereti, kuitira kuti zvishandiso zvezuva nezuva zvinyatsorongedzerwa muhuwandu hwemari huripo. Iwe unogona kuona painoona apo mari yako iri kuenda kunze kwekutevedza zvinhu zvose iwe pachako.
Chero chero hurongwa hwaunosarudza , iva nechokwadi chokuti ndiyo imwe inofanirwa kushandiswa nemushandi kwauri .
Izvo zviri nyore kuti iwe uchengetedze uye uchenjere, kunyanya iwe unenge uri kuomerera pairi.
Verengai Mari Yako Yese
Mari yakawanda sei iri kuuya iye zvino? Ndiyo mambure ako ekudzorera kumusha mushure mezvinhu zvakadai semitero uye kudarika kwe 401K kunodzingwa. Ivai nemari yekubhadhara nguva dzose, mabasa emamwe mabasa, zvekuwedzera mari, nezvimwewo.
Verengai Yese Yako (Inodikanwa) Inoshandiswa
Mari yakawanda iri kuenda kune zvaidiwa ? Inosanganisira zvibatsiro, kubhadhara kana kubhadhara chikwereti, kutengesa motokari, mari yekurapa, uye zvekutengesa.
Zvimwe zvinoshandiswa, zvakadai sekubhadhara chikwereti kana kubhadhara motokari, zvichagadziriswa, zvichireva kuti iwe unobhadhara mari yakafanana mwedzi mushure. Zvimwe, sekudya, zvinosiyana uye zvichava zvakaoma kuverenga. Ipa muongorori wako wakanaka wekuti iwe unopedza mari yakawanda sei mwedzi, uye yeuka kuti iwe unogona kugara uchigadzirisa izvi gare gare. (Ona ganhuro # 7.)
Verengai Murairo Wenyu Wokurapa
Kugadzira bhajeti isingakubvumiri-uye iwe unonyanya kutevera-unoda kuzvibvumira "mari inofadza" mari. Zvakawanda sei zvichienderana nezvinowanikwa mune zvemari zviripo zvino, uyewo zvinhu zvipi zvinokuunzira mufaro mukuru.
Zvichida iwe unogona kuzvibvumira ikozvino iRebbox ine mari shoma yevhiki nevhiki. Zvichida iwe unogona kuisa $ 50 / vhiki pamusi wekudya kwakanaka.
Sarudza kuti ndezvipi zvinotengeswa zvinotarisirwa kwauri uye uone kuti ungaita sei nzvimbo yavo. Iwe unogona kunge usina hanya neTV kana zvipfeko, semuenzaniso, asi sarudza iwe unoda kuita nzvimbo yekutamba uye kufamba.
Usakanganwa Kuwedzerwa Kwezvimwe Nguva
Haasi yose inowanikwa nguva dzose inoshandiswa pamwedzi .
Zvinhu zvakadai sekubhadhara kwemvura kwegore negore uye kuregeresa kwemotokari yegore negore zvingasava pa radar yako yega mwedzi, asi izvo zvichiri kuzivikanwa, saka iwe unofanira kuzviwanira nzvimbo mubhajheji yako.
Kuti uone kuti hauna kuvharwa nemari isingatarisirwi, ita slot mubhadharo yako yemwedzi kune imwe nguva mari. Isa kishoma pamwedzi wega wega kuitira kuti kana iwe wegore roga roga kana wegore mushure mekunge uwane mari, iwe uchava nemari yekubhadhara.
Ita nzvimbo yekuchengetedza
Mwedzi woga woga, iwe unofanira kuisa mari kune zvinangwa zvitatu zvekuchengetedza:
- Emergency fund (mwedzi 3-6 yemari yezviitiko zvisingafungiriki sezvirwere kana njodzi)
- Chikwereti chekushandira mari (401K, IRA, nezvimwewo)
- Zvinangwa zvako pachako (kuchengetedza mhuri yezororo, mari yeimba, bhazi rako rekoroji, nezvimwewo)
Sarudza kuti iwe unokwanisa sei kupa rubatsiro kune chinangwa chimwe nechimwe, uye kana zvichidikanwa, tora zvimwe zvekushandura kwako uye zvingatarisirwa kuti zvibvumire iwe kuponesa zvakanyanya.
Kuponesa chimwe chinhu chakawanda vanhu vanoisa pavanopisa shure uye vanozvidemba mumugwagwa. Iva nesimba uye ita urongwa hwokuchengetedza sechikamu chebhadha yako yenguva dzose.
Kudzokorora uye Tweak
Mamiriro ezvinhu anochinja. Zvatinotanga kukoshesa, tinochinja mabasa, tinofamba, tine vana. Ita musangano iwe pachaga mwedzi mishomanana kuti ugare pasi nebhajheji yako uye iva nechokwadi chokuti iri kushanda nekuda kwezvinangwa zvako zvezvino uye zvechokwadi.
Kana iwe wakatotora nhamba yako ichigadzirirwa kupinda purogiramu kana webhusaiti, zviri nyore kutamba-famba nebhajheti dzako kuti uone kuti unogona kupika imwe nzvimbo kana kuti kuisa chinhu chimwe pamusoro peumwe.
Yeuka, bhajeti yako inoda kukushandira iwe, kwete imwe nzira yakapoteredza.