Iwe Haudi Kutsvaga Kwakadzama, Bhuku Rinofanirwa Budget. Chii Chaungaita?
Humwe hutano hwemhando dzinoda kugadzira mutsara-chinhu, zvakanyatsorongwa bhajeti mukati pepasiteteti, mumapurogiramu kana mumapepanhau ekare-ne-pencil.
Vamwe vanhu, zvisinei, vanowanzova "guru-mifananidzo" vanofunga, uye pfungwa yebhadharo yakajeka inovasiya.
Kana iwe uri mumwe wehutsika hwemhando iyo inofarira kutora mifananidzo yakawanda kutarisa bhajeti, panzvimbo yekubudisa urongwa hwendaneti-chii, chii chaungaita kuti uone kuti iwe uri pamusoro pemari yako?
Heano mazano masere.
Ratidza kuti Wakawana Mupi Wakawanda
Ngatitii iwe unoita $ 15 paawa, kana $ 35 paawa, kana $ 40,000 pagore, kana $ 70,000 pagore. Chero chipi zvacho chaunowana, usangoverengera mubhadharo weawa wega wega kana wegore rega rega se "mari yako". Iwe chete unobhadhara chaizvo chikamu cheiyo.
Funga nezvekuderedzwa kwakatorwa kune zvimwe zvinhu zvaunobhadharwa kune zvematongerwo enyika, zvehurumende nemunharaunda, uyewo Social Security. Uyewo, bvisa mari yekushanda , yakadai sehuwandu hwemari yaunopedza kuenda uye kubva kubasa zuva rega rega. Kana iwe uchifanira kubhadhara kuchengetwa kwevana panguva yebasa rekushanda, kubvisa icho chikamu kubva "yako yakawandisa mari", zvakare. Izvi zvingakubatsira kuti uchinje mari yako ye "net" mushure mekunge mari inoshandiswa nemabasa inobviswa kunze.
Nguva dzose Tarisa Mazano
Kana iwe ukaswedera kune zvose zvinoshandiswa nemari yekuponesa mari, kufungisisa kwemari, uchakwanisa kubhadhara mari yako kunze kwekuda kubhadhara bhajeti yezvinhu.
Usatya kutambidzwa uye kubvumira zvigaro!
Kune matani emabasa makuru anotarisirwa kunze uko kana iwe uchingozvitarisa. Enzanisa matengo mumutambo. Shandisa mapurogiramu akasununguka, sebhacode scanners, kuenzanisa-shop iwe uri mukati mechitoro. Ita kuti-it-iwe pachake zvirongwa. Ita zvokudya kubva pakutanga. Shandura kumagetsi e LED, ayo achachengetedza magetsi ako.
Pasi pepamusoro: Kunyange kana iwe usingakwanisi kugadzira bhajeti repapepa ne pensi, unofanirwa kunyatsoteerera zvakadzama zvemaitiro ako ezuva nezuva.
Tsvaga Chikwereti Chako uye Debit Card Zvinyorwa zveMari Yakasvikiswa uye Mhosva
Wakazongotanga kuchinjwa kuva chibharo chausingadi? Wakave wakapomerwa nemhosva mari yakawandisa kune chigadzirwa here? Wakawana here nekubhadharwa nemari kana kuti chirango chaunogona kukwanisa kutaurirana nacho?
Ita iwe (uye yako chikwereti) nyasha kana uchitarisa pamashoko ose emwedzi wega wega wamunogamuchira uye uine chokwadi chekuti zvose zvaunoshandisa zvinotenderwa. Mari dzakavanzwa uye kusaruramisira zvinowanzoitika, saka iva nechokwadi chekuti unoongorora zvataurwa zvako nguva dzose.
Vhura Majikiti Akachengetedzwa Kwekuchengetedza
Kuchengetedza mari yenguva refu kunofanira kuva yakakosha sekugadzirisa mari munguva pfupi. Zvinorevei izvo? Chaizvoizvo, zvinoreva kuti haufaniri kuwedzerwa zvakanyanya mu minutia yezuva rimwe nezuva penny-pinching kuti iwe hauna hanya nezvinangwa zvako zvenguva refu, zvakadai semari inokurumidza, kubhadhara, uye kumusha uye kugadzirisa motokari.
Sarudza kuti mari yakawanda sei, pamari yekubhadhara kana pamwedzi, unoda kupa kune imwe yezvinangwa zvako zvekugara kwenguva refu. Zvadaro unozobvisa mari iyoyo mavhiki maviri kana mwedzi imwe neimwe muakaunti yekuchengetedza yakagadzirirwa chinangwa ichocho.
Semuenzaniso, unogona kuzarura kadhi ye SmartyPig ; Inhoroondo yekuchengetedza yakawanda inokubvumira kuti ugadzire zvinangwa zviduku zvekuchengetedza, zvakadai se "Kutenga Idzva (Yakashandiswa) Car" kana "Kubhadhara mabhuku eSimester Anotevera." Iwe unogona kuita kuti urege kubvisa purofiti yako yekuongorora pane imwe neimwe yenyaya idzi dzekuchengetedza mavhiki maviri kana mwedzi mumwe nomumwe.
Ongorora Paunoshandisa Mari Yako
Zvakanaka, saka hausi kugadzira bhadha yemari. Asi iwe unogona kunge uchiziva nezvekupi mari yako iri kufamba. Kana iwe uchizviwana iwe uchiraira mazao akanaka muAmazon vhiki nevhiki, kana kana ukacherechedza kuti uri kubuda kunodya neshamwari dzako kaviri pavhiki, iwe waona kudhonza kukuru pahomwe yako. Iwe haufaniri kunge uchida pepanheti kuti ikuudze kuti uri kushandisa zvakawanda munhandare iyi - iwe unongoda kuwedzera kuzviziva.
Isa Chekuita Nheyo Nyanzvi
Ratidza kuti unoda hupi muhutano nemamwe makore, kuti unoda kuchengetedza dzidzo yekoroji yemwana wako , uye chii chaunopedza iwe uchida kuti makadhi ako ekwereti akwanise kubhadharwa . Ita kurongeka nokuisa zvinangwa zvakananga nemitambo yakatarwa. Zvadaro shanda kumashure kuti uone kuti iwe unoda zvakadini kuponesa mwedzi woga woga kuti uite chinangwa ichocho.
Teverai 80/20 Rule
Pachinyore, iwe unofanira kuchengetedza 20 muzana yemari yako yokutora kumusha. Kana iwe usingadi kutarisa-chinhu chimwe chezvinhu zviri mubhajheji yako, ipapo - kana zvisingaiti - iwe pachako ugoisa chikamu 20 muzana yemari yako yekuwana pamba, uye upedze zororo. Ndiri kutaura nezveiyi sebhajeti 80/20 .
Vane 20 muzana yaunowana kuti iwe uri kuponesa inofanira kuiswa kune nguva yakareba yekubhadhara, zvakadai sekurega, kubhadhara mari paimba, kuumba mari yekukurumidza, kana kubhadhara mari yako yekutengesa kare. Inofanira kushandiswa kwezvinangwa zvenguva pfupi yekuchengetedza sekutenga dhavhisha itsva, iyo inonzi discretionary kutenga.
Isa Mari Yako
Pane muganhu wekuti iwe unogona kuwana mari yakawanda nekuchengetedza sei. Asi kana iwe ukaisa kuwedzerwa kufarira kushanda panzvimbo yako, mari yako inotanga kukura pamwero unoshamisa. Saka tanga kuisa mavambo pakutanga kwehupenyu, uite inodhora-mari yaunotarisa , unamatira nebhasi-yebhadharo yemari, uye unakidzwe nekuona mari yako kaviri kana katatu !