Kunzwisisa Mari
Kadhi rechikwereti iri fomu yemagetsi kana yemagetsi - iyo ndiyo nzira yekuita zvekutengesa.
Usati wanyatsokwanisa kushandisa kadhi rechikwereti, unofanirwa kunzwisisa hutungamiri hwemari, semuenzaniso kuti mari inowanikwa, unogona kushandisa mari yaunowana iwe, uye iyo imwe yega yaunoshandisa inotora kubva pane zvaunenge uripo. Paunopera mari, haukwanise kupedza zvakawanda kusvikira iwe uchiwana zvakawanda, saka zvakakosha kuita zvakanaka kushandisa mari.
Kunzwisisa Borrowing uye Kubhadhara.
Kadhi rechikwereti rudzi rwe "mapepa ekuzarura" kana chikwereti chinowirirana chaunogona kukwereta kubva nguva dzose chero bedzi iwe uchigara nemitemo (vs. chikwereti chakavharwa chaunogona kukwereta kamwe chete).
Pose paunokwereta mari, ingave, kubva kubhangi kana shamwari, unofanira kuziva zvinokweretwa nemutengi. Kunyanya, apo iwe unofanirwa kuvabhadhara zvakare, mari yekubhadhara, uye zuva rebhadharo rimwe nerimwe rinofanira. Mukuwedzera, iwe unofanirwa kuziva izvo zvinoitika kana usingaiti izvo zvinotarisirwa kwauri , semuenzaniso kana iwe usingabhadhara mari zvakare nenguva.
Ita Kukwanisa Kuonana Nezvokufa
Mushumo wekubhadhara mwedzi wega wega unogona kunge uri chiyeuchidzo chekupa kadhi yako yekwereti inokupa kukuzivisa iwe chirevo chako chiri kuuya nekuda. Nenzira yakanaka, kadhi rako rechikwereti nokuda kwekubhadhara richave rakafanira pazuva rimwechete mwedzi mumwe nomumwe, saka zvingava nyore nyore kuchengeta.
Kuti ugadzirire kadhi rechikwereti, tive netsika yekuyeuka nekugadzirira mazuva anokosha pasina mumwe munhu kukuyeuchidza iwe.
Iwe unogona kuuya nehurongwa hwekuyeuka zuva rakakodzera , rakafanana nekadhigiramu purofoni yako, asi shandisa urongwa hwakavimbika uye husingagumi.
Shandisa Checking Account
Iwe unofanirwa kuva nehutano hwakasimba hwekutonga kero yako yekuongorora pasina overspending usati watarisa kadhi rechikwereti. Iwe unozviita sei? Gara uchiisa muakaunti yako yekuongorora, chengetedza bhuku rako rekuongorora, ita kuti uve netsika yekuongorora bhaari rako rekushandisa usati waita, uye usazonyora cheki kana shandura kadhi yako yebhadhiro kune zvakawanda kupfuura iwe uripo.
Kunzwisisa MaKadhi Makadhi Anoshanda Sei
Marikiti yemakadhi yakasiyana nezvakawanda zvezvinhu zvemari zvawakabata kusvika pano. Iwe haugone kuona mari yaunoshandisa uye iwe hausi kunyange kushandisa mari iwe chaunayo. Pane kudaro, uri kukwereta mari yaunofanira kubhadhara nemari yako yeramangwana.
Nheyo dzekadhi rechikwereti zvakanyatsojeka: unogona kukwereta imwe mari yakawanda (yako chikwereti muganhu) chero bedzi iwe kutumira chikwereti chiduku nezuva rakakodzera mwedzi mumwe nomumwe. Pane zvikwereti kana iwe ukwereta zvakawanda (enda kune chikamu), tumira pasi pasi pebhadharo shoma, kana kutumira chikwereti chiduku zvakare.