Kana zvakadaro, iwe unofunga kuti izwi rokuti "bhadha" nderokunyengera kwekuzvidzivirira iwe pachako. Nenzira yakanaka, handizvo.
Bhijhini haisi chinhu chinopfuura chirongwa chinokubatsira kuti uve nechokwadi chokuti uri kushandisa mari shoma pane iwe waunowana. Ndiyo nzira yepamusoro yemari yako. Kana iwe usingadi shoko rokuti "bhajeti," unzwe wakasununguka kuidana iyo chimwe chinhu, se "kushandisa purogiramu."
Bhijheji Range mu Complexity uye Scale
Izvo zviri nyore bhajeti chimwe chinhu chandinoti chinopesana nebhajari, umo iwe unongotora mari yako kubva kumusoro uye usingasunungisi kushandisa imwe nguva.
Iyi nzira yakanakisa-iri nyore, inonamatira kubatana nayo, uye inocheka zvakananga kumhanya. Iwe unova nechokwadi chokuti uri kuponesa zvakakwana, uye iwe hausi kushungurudza pamusoro pokuti pane imwe mari yako yose iri kuenda.
Kana iwe uchida bhajeti nechinyorwa chiduku, zvisinei, kune zvakawanda zvingasarudzwa zvinobva pakukanda mari yako mukati memburera yakazara (pamucheto unoperera wechirwere) pakuumba mahwendefa akawandisa nemapoka ayo-iyo inotengeswa imwe neimwe (pa kuguma kwakaoma kunzwisisa kweruzhinji). Heano mhando dzakawanda dzakasarudzwa:
Mabhadharo mashandisi anoita kuti zvive nyore kuziva nezvekushandisa kwaunoita mari. Pasinei nokuti iwe uri mudzidzi, munhu mukuru arikushanda, kana kubvisa purogiramu, kubhadharira kunogona kukubatsira kufunga zvakananga pamusoro pokuti mari yako iri kupi.
Hezvino zvinhu zvishoma zvaunofanira kugara uchifunga mupfungwa dzako pauri kusika bhajeti yako:
Wakave Wakakosha Emergency Savings?
Mari yako yekukurumidzira ndeyemari yaunogadzirira kunze kwemvura inonaya yakadai sokunge iwe ukarasikirwa nebasa rako, kana motokari yako yaputsa, kana kuti denga rako rinotanga kufamba. Zvakanaka, izvi zvinofanira kumirira mwedzi mitatu kusvika kumitanhatu yezvaunoshandisa. Nenzira iyi kana iwe ukarasikirwa nebasa rako muvhiki imwechete iyo motokari yako nedenga remba rinoputsa, iwe uchave wakanaka.
Uri Kunyatsokubhadhara Kubhadhara Chikwereti?
Hazvo-chikwereti chikwereti, kunyanya, chimwe chinhu chaunofanira kuisa pfungwa dzako nesimba rako. Nharaunda yekunaka zvikwereti zvakadai seimba yako yekubhadhara mari haisi yezvakanyanya kufunganya.
Uri Kuchengetera Kubhuku Zvikiti?
Iwe uchatsvaga zvakananga, mari yakatarwa yezvinhu zvikuru zvakadai semuchato, kubhadhara kuri pamba, zvipo zvezororo, mazororo, uye kubhadhara mari yemotokari yako inotevera? Kana zvisina kudaro, iwe ungada kuumba mari yeizvi zvakare.
Kune nzira dzakawanda dzaungagona kugadzirisa bhajeti.
Panyaya yepamusoro, iwe unogona kuumba imwe nepepa nepeni. Iwe unogonawo kushandisa aya mabhadharo ebasa rekubhadharira , iwe unogona kudhindisa pano, kana kuumba mahwendefa ako uchishandisa Microsoft Excel kana Google Spreadsheets.
Panewo zvishoma zvinyorwa zvakasiyana-siyana zvepaIndaneti zvingasarudzwa kubva pane, izvo zvingasununguka uye zvimwe zvisiri izvo.
Hapana mhinduro yakarurama kana isina kururama pamusoro pekuti zvakaoma sei / zvakaoma bhajeti yako inofanira kuva, uye zvipi zvishandise zvaunofanira kushandisa. Inzwa wakasununguka kusarudza chero chezvinhu zvinowanikwa zvinoshanda kwauri.