Kubhadhara Mazano uye Software Zvigadzirwa zveChikoro Vadzidzi
Kutarisira mari paunenge uchienda kuchikoroji kunofanirwa kuchengeta mushure mekudzidzira chikwereti pasi. Tevedzera mazano aya echokwadi ekubhadharira vadzidzi uye shandisa purogiramu yemari yega yega kuti ugadzire uye ubatisise bhajiji yekoroji.
Chinoita Kuti Ude Budget muKoreji
Bhijhesi inokupa kuchenjerera kushandiswa kwemari, izvo zvinoita kuti udzidze unyanzvi hwokugadzirisa zvemari hunodiwa kuti ubudirire munyika chaiyo mushure mokunge wapedza kudzidza. Vadzidzi vanowanzonzwa kushamwaridzana nevezera ravo kuti vashandise pasina kufunga, uye kuva nebhajeti kunotaura kune rubatsiro nekugadzirisa kana pane mari yakakwana yekubhadhara zvokudya zvekudya, kunwa kunze neshamwari, zvipfeko zvisingadi uye mamwe mari.
Sezvo iwe mudzidzi wakakomba, iwe unotora mabasa mazhinji iwe uchiwana dzidzo yepamusoro, uye kuchengetedza bhajeti kungaridzika sekutambudzika. Asi, maminetsi mashomanana anoshandiswa pakugadzirisa bhajeti achakusunungura iwe pesaidzo gare gare. Chikwereti chaunowana mukoroji chinodzvora kupfuura bhajeti nokuti chikwereti icho chiri kutora muhomwe iwe unotanga kutanga nehupenyu shure kwekoroji.
Unganidza Mashoko
Kutanga bhajiro yako yekorojiyasi, ona kuti mari yako ichave iri yekushandisa izvi zvinyorwa zvemashoko:
- Freshman anofanirwa kutaura neine chiitiko chekoroji mudzidzi pamusoro pezvinotarisirwa kutarisira.
- Ihofisi yehupenyu hwevadzidzi kana nyaya dzevadzidzi payejiji yako inogona kupa ruzivo pamusoro pezvinhu zvinotarisirwa paunenge uri kuchikoro. Ingotumira email kana kumira nehofisi kukumbira ruzivo.
- Chengeta zvose zvaunoshandisa mumwedzi miviri yekutanga yemakirasi, kusvikira pasi pepa pizza, kofi uye kuchikoro. Iva akatendeseka iwe pachako uye sanganisira zvose zvaunotenga. Nyora zviyero izvi muhuwandu hwemari purogiramu iri pasi apa, pane bhajeti pamapepa kana mubhadharo rebhajheti risina rusununguko .
Budgeting Software
Heano mamwe emhando dzakanakisisa dzemari yekutarisira bhajiji yekoroji:
Windows: SplashMoney iri nyore kushandisa uye ine zvinhu zvinopfuura zvakakwana kune mudzidzi wekoroji. I $ 20 ye desktop desktop, uye imwe $ 5 kana iwe uchida kuenderana ne iPhone kana Android apps. Nzira yekusununguka ndiyo Microsoft Money Plus Sunset Deluxe . Iyo mazano eIndaneti haasisiri kushanda muMari, saka haugoni kukanda mabhizinesi ebhengi (iwe unogona kutumira kutengesa , kunyange zvakadaro), asi ichiri kushandiswa zvikuru uye mutengo wakarurama.
Mac: KwaMac, ini ndinoda iBank 4 , asi pamadhora anosvika 60, zvinodhura kune mudzidzi wekoroji uye ine zvimwe zvinhu zvinopfuura mudzidzi achishandisa. Chinhu chisina kudhura chinonzi SplashMoney for Mac, ambotaurwa pamusoro. GnuCash isingabhadharwi, uye kana isiri sekanakidza seBank, ichaita basa rakakura pakutsvaga kushandisa mari uye bhajeti.
PaIndaneti: Kana iri purogiramu yepaIndaneti inowedzera mararamiro ako, PearBudget Online yakaisvonaka pakuronga bhajeti uye inodhura $ 3 pamwedzi mushure mekuedzwa kwepachena. ClearCheckbook iri muIndaneti yemari yemari yepurogiramu ine nzvimbo yakagadzirwa yakagadzirwa zvakanaka inoshanda zvakanaka pane imwe foni yefoni. Mint.com ndiyo imwe huru yekutenga inowanzove yakakurumbira neboka rekoroji, yakasununguka uye ine iPhone uye Android apps.
Mobile: Zvechokwadi, kune mamwe makuru ehurumende yebhajitiring apps nemashandisi ekushandisa mari asingabatanidzi kakombiyuta kana web browser. Chengetedza Pocket Money uye Shandisa - Bhijititi kubva kuI iPhone apps list kana Nickel Tracker kana EEBA , iyo inoratidzwa nemamwe mapurogiramu eAvidence yemari .
Budget Inoshandisa zvikamu
Rimwe raunosarudza mari yako yebhajheti, mari uye mari yezvikwereti zvinoda kutsanangurwa mune software, spreadsheet kana pamapepa. Pano pane zvikwata mudzidzi wekoljiji anofanira kufunga nezvazvo:
Zvikamu Zvitsva
- Chikoro chinobhadhara zvakananga nevabereki, kana vabereki mari vanopa mudzidzi kunyanya kuvhara mari yekoroji
- Chikamu chebasa rekuwana basa
- Scholarships uye zvipo
- Zvikwereti zvevadzidzi
- Mari kubva pamunhu oga
- Mari inobva kubhuku rekoroji yekuchengetedza
Zvitsva zvemari
- College tuition
- Chikoro chemari: mabasa ekubhadhara, mari yekupaka, mabhizimisi emari
- Mabhuku
- Kuzvitarisira: kuchenesa mari, zvinhu zvehutsanana
- Zvishandiso: mabhuku, mabhuku echikafu, mapeni, bhuku remabhuku
- Zvishandiso: kombiyuta, kuverenga mwenje
- Zvidhinha zviduku: mini-firiji, moto unopisa, microwave
- Kerenda kana pa-campus dzimba
- Zvokudya: zvokudya uye dorm zvirongwa zvekudya
- Kutakura: motokari dzinodhura kana gesi mari yemotokari yemusikana, bhazi yebhasi
- Zvipfeko
- Inishuwarenzi: mudzidzi angangodaro akafukidzwa nemutemo wemubereki
- Kuvaraidza
Mushure mokunge bhajeti yakagadzirwa, ipai mari inowanika kune mari yako yemwedzi. Iwe unogona kutarisa mushumo webhajheji vhiki imwe neimwe kuti uone kana iwe uine overspent uye iwe unoda kudzosera zvakare pane zvisingakoshi mari yekubatsira kudzivisa kudarika pamusoro pemwedzi. Kana ukashandisa shanduro yekushandisa kana yepaIndaneti, unogona kuzviisa kuti uratidze maitiro ako ekushandisa pamba peji kuitira kuti uone kana iwe uri kubhadharira zvakanaka pane imwe nguva nguva dzose paunotanga purogiramu.