Ona Maitiro Aungachengetedza Mari Yenyu Bhuku Maererano Nezvaunozvishandisa

Ndekupi Kuzarura Maakaunti, Mazano Aungaita Kuti Uwane Mari

Kushanda iwe pachako kune zvikomborero zvizhinji, kusanganisira kuisa maawa ako, kuva webasa rako, usingabvunzi zuva kana nguva yezororo, uye uri mukugadzirisa zvakakwana zvebhizimisi rako. Nechinhu chipi nechipi chakanaka, kunyange zvakadaro, chinouya kusagadzikana.

Sezvo ani zvake anozvishanda achiziva, imwe dambudziko guru rekushanda iwe bhizimusi rako riri kutarisira mari. Zvinowanzobhadhara dambudziko, asi unoda kuziva kuti ungatakura sei zvinhu zvinotevera:

• Paunoshanda iwe pachako, hauna chikwereti chinouya mumavhiki ose maviri. Dzimwe vhiki dzinogona kuunza zero mari kana kuti zvinoda kuti iwe uwane mari zhinji mubhizinesi.
• Iwe unofanirwa kuzarura mabhangi ebhengi, maakare nehurumende uye masimba emunharaunda, uye kugadzirisa mari yemabhizimisi (kusiyana nemabasa aunoda-uye kuunza mari).
• Iwe unofanirwa kutarisa mari uye mari yako zvakanyatsonaka kuitira kuti urege kukanganwa mitero yakabviswa.
• Washandi wako haakuregi mitero kwauri kana kukubatsira kubhadhara mitero.
• Iwe kazhinji hauna kuwana mabhonasi, uye kutora nguva kunoreva iwe haungabhadharwi.

Kutarisira mari yako uye mabhangi ako ebhangi apo unoshanda iwe pachako unogona kunge wakanyengera. Kunyangwe iwe wakanga uri wekushanda iwe kwemakore 10 apfuura kana iwe uri mutsva munyika yebasa rako pachako, mazano aya anogona kukubatsira iwe kuchengeta mari yako.

Chengetedza Mari Dzemabhizimisi Kusiyanisa neZvino Zvokushandisa

Iwe zvachose unofanirwa kuva nekutarisa kuongorora kero neakachengetwa kwekambani yebhizimisi rako.

Kunyange zvazvo zvingaratidzika sekuvhiringidza pakutanga, kuva nenyaya dzakasiyana ichagadzirisa maitiro ako ekugadzirisa uye kunyoresa mitero yako. Kunyanya, zviri nyore kwazvo kuchengeta nhamba yezvauri kushandisa uye zvauri kuunza apo zvose zvebhizimisi rako rezvemari nemari inowanikwa zvinoparadzaniswa zvakasiyana mumabhuku avo pachavo.

Kwatingazarura mabhangi mabhengi: Mabhengi akawanda uye zvikwereti zvezvikwereti zvinopa mabhadharo akakwana evanoshandisa bhizimisi vanozvishanda. Mitero yezvikwereti zvezvikwereti izvi zvinowanzosiyana nekubhadhara mari dzebasa rako, saka bvunza nezvemari yebhizimisi makambani, uye tsanangura kuti unoronga sei kushandisa kero yako.

1. Nhengo dzemakambani emunharaunda yenguva dzose inowanzova sarudzo yakanaka yebasa risina mari mari. Izvo zvikwereti zvinowanikwa nevatengi zvinowanzotarisa pamari shoma uye kukwikwidzana, asi mamwe masangano emakwereti ane mhando imwechete yekutengesa semabhanki makuru.
2. Mabhangi maduku ane ruzivo rwemunharaunda rwakangofanana nemamwe masangano emakwereti. Kunyanya, vanogona kukubatsira iwe kukudziridza hukama hwemunharaunda. Mabhangi maduku uye zvikwereti zvezvikwereti zvingaratidzika sechinhu chiduku, asi masangano mazhinji ane hosha yakakwana yevashandi kune dzose asi mabhizinesi makuru.
3. Mabhenji epaIndaneti anowanzochengetedza mitengo yakaderera uye inopa maitiro akanaka. Iwe hauzokwanisi kuita zvakawanda iwe pachako, asi iwe unogona kunge uchiita zvose zvaunoda kana iwe pachako uchizvigadzirira. Capital One 360 ​​(yaimbova ING Direct) inonyanya kuzivikanwa pamabhizimusi ekupa mabhizimusi pasina kubhadhara mabhizinesi ekuongorora uye kuchengeta maakaiti.
4. Mabhanga makuru anotora rap yakaipa, asi ane huwandu hwehupo uye yese yebasa raungada kana bhizinesi rako richikura. US Bank ibhangi rimwe rinopa rusununguko kutarisa kumakambani maduku, uye mamwe mabhanga anopa mahara mahara kana iwe uchikwanisa kubhadhara mari.

Shandisa Aunti Yokuchengetera Imisoro

Kumhanyira bhizinesi rako harirevi kuti haufaniri kubhadhara mitero. Kusiyana nemubhadharo wemubhadharo uyo ane mitero yakasimwa, iwe uri zana muzana ane mhosva yekubhadhara federal nemimwe mitero. Izvozvo zvinogona kushamisa kana iwe ukashandisa mari yakawanda yauri kuunza.

Kuti udzivise mari uye zvikwereti, iwe unogona kudiwa kubhadhara mitero inenge yakatarwa kwegore rimwe nerimwe . Kuti uite nyore mabhangi ebhangi uye kubatsira kuchengetedza mari yako yakanyatsorongeka, ega ega ega yekuchengetera kambani chete pamitero. Zvichienderana nezvamunowana, nzvimbo, bhizimisi sangano, nezvimwe zvinhu, iwe unogona kunge uchida kutengesa pakati pe15 ne30 muzana yepfumi yako mumabhuku ako ekubhadhara mutero. Iwe uchazvionga nokuda kwekuita izvi apo nguva yemutero inouya.

Gadzira Zero-Sum Budget

Nhaurirano yezero-sum ndiyo bhajeti inonyanya kujeka iyo inasiya mari isina kusiyiwa pakupera kwemwedzi.

Nokunyatsotarisa zvamunoshandisa mwedzi woga woga, iwe unotaurira mari yako yose kwaunofanira kuenda, usingasiyi chinhu chakasara kamwe chete mari yose yakabhadharwa. Kuti uitange, nyora zvose zvako zvakasarudzwa zvinodiwa kwemwedzi. Zvadaro, chengetedza mari yako yemwedzi mitatu inotevera kuti uone kuti zvinoshandiswa zvakasiyana-siyana ndezvipi (tarisa Fixed and Variable Expenses ). Tsvaga nhamba inoshanda kwauri mwedzi woga woga uye uchitumira mari yacho kubva kubhizimisi rako kutarisa kuongororo yako yekutarisa-iyi inowanikwa iwe pachako. Chero ipi zvayo yebhizimisi mari inouya inopinda zvakananga mubhizinesi rebhizimisi rako. Pakutanga kwemwedzi mumwe nomumwe, unotumira mari yaunoda zvakare uye wotanga.

Muenzaniso: Unofunga kuti inodhura $ 4 300 kuti urarame mwedzi wega wega kusanganisira yakasarudzwa uye yakasiyana-siyana mari. Mumwedzi wose, bhizinesi rako rinotora $ 6 500. Pakutanga kwemwedzi unotevera, iwe unodhinda $ 4 300 kubva mubhizinesi uchiongorora kupinda uri woga. Iwewo unofambisa 25 kubva muzana yezvikwereti muakaunti yako yekubhadhara mitero ($ 1,625) uye shandisa zvakasara ($ 575) kuti uite zvakare mubhizimisi rako kana kuchengetedza kubhadhara.

Shandisa Budgeting Software

Kuti uende pamwe nemari yako-sum sum, unoshandisa purogiramu yebhajhini yebhizimisi rako rose uye hupenyu hwako. Mint.com uye PersonalCapital.com zvose zvirongwa zvisingabhadhari zvinokubvumira kutarisa kushandiswa kwemari yako, kugadzira makero ezvimwe nzvimbo yekushandisa mari, kutarisa mari yako yakakosha, kutevera maakaiti ako ekutsvaga, nezvimwewo. Budgeting software inogona kukubatsira kuti uchengetedze pamwedzi wega wega uye kukubatsira kuti uone kushandiswa kwako.

Kutarisira mabhizinesi ako ebhengi hazvifaniri kunge zvakaoma kana iwe uchitamba bhizinesi duku. Neko mari yako uye mabhangi emabhangi ari kushanda zvakanaka, iwe uchakwanisa kupa nguva yako yakawanda kune izvo zvinonyanya kukosha-bhizinesi rako nevatengi vako.

Cherechedza: Justin Pritchard akagadzirisa nyaya ino.