Nzira Yokugadzira Sei Budget

Pepa / Pencil, Spreadsheets, Apps - Pane Izvo Zvimwe Zvishandiso Zvokubhadharwa

Hauna kumbogadzira bhajeti here? Uri kushamisika kuti unotanga sei?

Usanetseke. Pane zvakawanda zvekusarudza kusarudza kubva pazvinouya mukugadzira bhajeti inoshanda kwauri.

Heano maitiro mashomanana okuita kuti utange kuitira kuti ugone kugadzira bhajeti ichakubatsira iwe kusvika pazvinangwa zvako.

Pepa-uye-Pencil

Chinhu chinonyanya kukosha chaunogona kuita kubhadharo iko kushandisa pepa nepeni. Iwe unogona kushandisa mabhizimisi ekushandira mabhadharo kuti akubatsire kuona kuti ungagadzira sei rudzi urwu rwebhajamiro.

Mapepa acho achakutora iwe nhanho-ne-nhanho kuburikidza nemari yose yakabatana nezvinodiwa, zvakadai sekudya; mari yose inobatana nehupfumi, zvakadai sokudya paresitorendi; uye chinangwa chega chega chekuchengeta chaungave nacho.

Nzira yakanakisisa yekutanga bhajeti ndeyokutanga kuenzanisa kuti ungada kushandisa mari yakawanda sei mumutambo wega wega (gesi, zvishandiso, zvekudya) pamwedzi. Zvadaro, mune imwe mutsara, nyora kuti wakapedza sei mwedzi iwoyo. Iwe uchakwanisa kuona musiyano pakati pezviviri uye kugadzirisa zvakakodzera.

Kana iwe uchiita izvi kwemwedzi inoverengeka inotevera, uchawana manzwiro emari yako yaunoshandisa mune imwe nhengo mwedzi mumwe nomumwe. Iwe uchanzwa zvakare kuti mari yaunoshandisa yakawanda yakawanda sei. Iwe zvino uchakwanisa kuderedza kusiyana pakati pekufungidzirwa kwekushandisa uye yako chaiyo yekushandisa.

Spreadsheets

Kana iwe usingafariri kushandisa mapepa uye bhajeti yemari, iwe unogona kushandisa software yakasununguka yakafanana seMicrosoft Excel kuti uite pepafurasi.

Vakawanda vechikwereti uye makadhi ekubhadhara makadhi vanokubvumira kutengesa zvinyorwa zvako zvakananga kuExcel kuitira kuti iwe unogona kunyora zvinyorwa zvese mashoko ari pamatauti ako ekwereti uye debit mumashiripiti.

Kana ukashandisa Google Mapepa, unogona kugovera bhadharo yako yebhadhati nevamwe muimba yako.

Munhu wese anokwanisa kuwana spreadsheet anogona kuzvigadzirisa, uye izvozvo zvinowanikwa munguva chaiyo chaiye. Mune mamwe mazwi, imba yako inogona kuunganidza vose kuwana uye kugadzirisa spreadsheet mukati me "gore," pasina, chero bedzi une Gmail / Google account.

Chinhu chikuru pamusoro peExcel neGoogle ndechekuti mumwe nomumwe ane bhadharo dzemazamu ehurongwa huripo, saka haufaniri kutanga kubva pakutanga.

Online Software

Kana iwe usina kufarira mahwhefa, unogona kushandisa purogiramu yepaIndaneti yakadai seMint.com . Iwe unofanirwa kugovera tsanangudzo yebhangi rako rekubhengi uye kadhi rechikwereti, asi usanetseka, Mint.com yakachengeteka.

Iyi webhusaiti inowedzera zvinyorwa zvako uye inokuratidza kuti uri kushandisa mari yakawanda sei mwedzi mumwe nomumwe. Inokubvumirawo kuti ugadzire zvinangwa, zvakadai sekuchengetedza kubhadhara kana kuchengetedza kwezororo.

Iwe uri murimi wekuda mari uyo anofarira mari yekutsvaga? Pamwe Chete Pamwechete imwe nzira isingabhadhari iyo yakafanana neyeMint asi inofanirwa kune avo vane maakareji ekutsvaga mari.

Mobile Apps

Panewo zvakawanda zvezvikwata zvingakubatsira iwe bhajeti. Mafupukisi ari kubudisazve chibvumirano chinokubvumira iwe kuti uite mavhopupeji yekugadzirisa zvirongwa. Vamwe vanhu vanosarudza kugadzirisa mari kuburikidza nokutakura mari yavo mumapuriputi, uye imwe envelopu inosarudzwa kuti iite bhajeti se "zvokudya" uye "gasi." Chirongwa ichi chinokubvumira kudzokorora icho chidimbu.

Zvirongwa zvepaIndaneti sezvaunoda Bhijititi, Mint, uye Guta reMunhu wekutanga kunewo mapurogiramu anobatsira anogona kukubatsira bhajeti.

Iyo inongororongwa yemapurogiramu akasiyana anogona kukubatsira iwe kugadzira bhajeti. Pane zvakawanda zvakasiyana nemikana yakadaro zvichienderana nekuti iwe unowanzofarira mapepa nemapeni, spreadsheets, apps, websites, kana mamwe maitiro. Hapana imwe nzira yakanakisisa. Sarudza iyo inonyanya kukubatsira iwe.

Zvimwe, kana iwe usingafariri kugadzira bhadha yezvinhu, iwe unogona kugara uchigadzira mari yako kubva kumusoro uye wotora zororo. Ndiri kutaura nezveiyo sarudzo ye 80/20, uye ndiyo nzira yakawanda yebhajeti yevanhu vasingadi kuongorora tsanangudzo.

Ndakatora Chiri ... Zvino Chii?

Iye zvino zvawakasarudza iwe bhajitimi yako, inguva yekufungisisa pane chikamu chakakosha pakuumba bhajeti: kuisa mari yakakwana yekuchengeta.

Pane nzira mbiri dzaungaita izvi:

1. Iwe unogona kuronga mari yakawanda sei, iwe wose, iwe unoda kuponesa pane zvose zvinangwa zvako zvakasiyana-siyana uye uendese mari iyo yose mune imwe chete yega mari yekuchengetedza. Somuenzaniso, iwe unogona kuchengetedza $ 200 pamwedzi uchienda kune yako inotevera motokari yekutsvaga, $ 50 kuenda kumotokari yekugadzira motokari, $ 50 kuenda kunezororo, $ 100 kuenda kumusha wekuchengetedza, $ 100 pamwedzi kuenda kunhenda yeutano isingatarisirwi, uye $ 70 pamwedzi kuenda kutambo chipo chechipo. Iwe unogona kuyananisa nekuita zvose zvezvinangwa zvakasiyana nekupa iyo yose muyese muakaunti yekuchengetedza.
2. Zvimwe, zvisinei, iwe unogona kuzarura kambani yekuchengetedza kwekutsvaga iyo inokubvumira kuti uumbe zvinyorwa zvakasiyana-siyana zvinotarirwa kune chinangwa chimwe nechimwe. Mawebhusayithi akaita seStartypig.com, somuenzaniso, anokubvumira kuti uite majenya e-sub-maaka akasiyana akanyorwa pane chimwe chinangwa.

Iye zvino wava kugadzirira kutanga kuisa bhajeti yako muchiito.