Shandisa Aya Mabhadharo Emapuranga Epafambiro Nhanho-Nhanho
Kana iwe uchida kugadzira bhajeti uye usingazivi kuti kuvepi ikozvino mabhasiro ebasa rebhajami achakutungamirira kuburikidza nemari yako nemashoko akazara, nhanho-nhanho-mirairo. Iwe uchakwanisa kuverenga zvaunowana, kuputsa mari yako, uye kuchengetedza zvese zvaunenge uine zvinangwa zvekuchengetedza .
Vanhu vazhinji vanoona kuti kushandisa mapepa matatu ese pamwe chete inzira yakanaka yekugadzira bhajeti yakazara. Kana ukasarudza kuzviita nenzira iyi, ichakupa shiri-meso maziso ehutano hwako, izvo zvinokosha pasinei nokuti (kana kuti zvishoma) mari yaunayo mubhangi.
Zvisinei, kana iwe uri mutsva pakugadzirisa bhajeti kana kuti usingafariri bhajeti, ita zvishoma nezvishoma. Zvakanyatsonaka kushandisa shanduro imwe chete uye kurisa pane imwe nzvimbo inenge iri mubhajethi yako.
Semuenzaniso, unogona kushandisa Discretionary Spending worksheet kuti uone kuti mari yako yakawanda sei inotora kumusha inobhadhara iwe unoda kugovera kune zvishongo, kutamba mitambo, uye varaidzo. Izvi zvingave zvinobatsira kana uri kuwana kuti hauna mari yakakwana pamagumo emwedzi kuti uvhare zvaunoda mari.
01 Bhijeti Yepaji Yezvekushandira - MaPiro Nezvakakosha
Iri bhajiro rekushandisa bhajheji rinokubvumira kunyora zvose zvako zvekuwana mari uye kuenzanisa nhamba iyoyo kuzvinhu zvako zvepakutanga, zvisina kutenderwa.
Tanga nekuzvibvunza iwe iwe unogamuchira sei mari. Iwe unogamuchira mubhadharo kamwechete pamwedzi kana kwevhiki mbiri here? Iwe unogamuchira mwedzi webhonasi chekuongorora, kana, iwe unobhadharwa zvachose nekutumwa? Kana, iwe unogamuchira kusarudzwa kwepamwechete pane kuwedzera chekugara kwevhiki nevhiki? Zvadaro, zvibvunze kana iwe uine chikamu chekuwana mari (zvisinei kuti iwe unonzi sei) kana kana ukawana muganhu wemari. Usatora zvituti zviduku zvakadai sechiitiko chekuberekwa gig kana kuti imbwa inofamba basa raunoita pane imwe nguva.
Iri pepa remabhuku richakubatsira kuti uone zvose zvayo. Inokubatsirawo kuti uone kuti zvinokosha sei mari yako (sekutengesa, zvishandiso, kutfambisa, uye rendi, kana kutora chikwereti chekubhadhara mari) inopesana nemutengo wako wegore negore.
Kana iwe ukasarudza kugadzirisa pepa rimwe chete pepurogiramu panguva imwe zvino iyi ndiyo pepa rekushandisa raunoshandisa nokuti ndiro pepaji rekushandira iro mamwe maviri akavakirwa.
02 Budget Worksheet - Discretionary Spending
Pano ndipo paunotanga kuverenga zvose zvako "zvinonakidza" mari, kufanana nechisimba pamusana mutsva, kubudiswa kwechitsva chinotyisa pane iTunes kana kuedza kuti chikafu chetsva munhu wese anotaura nezvazvo. Kana uchida kugadzirisa bhajeti yako, iyi ndiyo nzvimbo dzinoshandiswa kuti uite zvishoma.
Asi mutengi ngaachenjere. "Discretionary" iri muziso remuoni. Iro shoko iro rinoreva "kushandiswa kwekutonga kwako." Saka, shandisa iwe pachako kutonga kuti usarudze kana zvinhu izvi zviri zvechokwadi discretionary kana, kunzwa zvakanyanya sezvinodiwa. Semuenzaniso, kana iwe uri chirongwa chekugadzira hurumende saka kuedza yakakosha mhepo yechina-nyori ichaita sechinhu chinodiwa.
Izvozvo zvakati, kana iwe wakanyatsopera pakuponesa mari, iwe unofanirwa kutora maonero akaoma pamusoro pezvose zvaunoshandisa uye kwete chete avo vari "zvinodiwa".
Uye edza kusafunga nezvazvo sekuzvidzivirira iwe pachako, nokuti hazvisi izvo bhajeti inofanirwa kuita. Pane kudaro, funga nezvezvinhu zvakatengwa hazvisi kuunza chero kukosha muupenyu hwako, kana iwe unofara kushandisa mari yako kune imwe nzvimbo.
03 Bhuku Rekushandisa Bhijititi - Mazano Okuchengetedza
Kune zvikonzero zvisingaverengeki zvekuponesa kubva pakukwanisa kutenga bhedha idzva zve den yako kuti uve nemari yekugamuchira muchato unoshamisa kumwanasikana wako. Kana iwe ukazviwana uchinetseka nezvose zvaunazvo zvinangwa, usazvidya mwoyo. Ndizvo zvakakwana.
Kuva nemisarudzo yakawanda kunogona kunge kunotyisa ndicho chikonzero chebhuku rino rinobatsira. Icho Chinangwa Chekuchengetedza mapepa achakubatsira iwe kunyora funga nezvezvinangwa zvako zvose uye uone kuti iwe unoda chaizvo mari yako kuenda. Uye, ichakubatsira iwe kuisa zvinhu zvinokosha.
Pasina urongwa uhwu, unogona kuzviwana uchichengetedza zvinhu zvisina kunaka, kana kuti kwete kuchengetedza zvachose nokuti pane "zvakawanda" kuti uchengetedze. Kuwana zvinangwa zvako zvose zvakarongwa mune rimwe runyoro zvinokupa rugare rwepfungwa iwe unoda kuve nechokwadi kuti uri kuita chinhu chakanaka nemari yako.