Iwe wakazviziva kwenguva yakati ikozvino, asi chokwadi chaicho chakangokurova iwe. Iwe haugoni kuita kuti yako zvishoma kubhadhara kadhi rechikwereti mwedzi uno. Zvingave kuti mari inotarisirwa inoderedza bhajeti yako, uri kutarisana nedambudziko rekushaya mari, kana iwe uri kungopfuura, inowanikwa kune yakanakisisa kwatiri pane imwe nguva kana imwe. Maitiro aunoita ichaita kuti hukwereti yako kuve yakakosha saka zvakakosha kuti urambe uchichenjerera.
Usangozviputira
Kana iwe usingakwanisi kuita mari yako yekubhadhara chikwereti pamwedzi, chinhu chakaipisisa chaunogona kuita ndechokuti rega bhiri riende risina kubhadharwa. Kubvisa mubhadharo wako zvishoma kungoita kuti zvive zvakaoma kuti uwane uye iwe unofanira kutarisana nemamwe maitiro-kwete-anofadza. Mukwereti wako anogona kutora zviito zvakadai sekubhadhara mari yekupedzisira kana kubhadhara chikwereti chekupedzisira kubhadhara yemari kana chikwereti chako chinopera mazuva makumi matatu apfuura.
Chimwe chikwereti chisina kukonzera chinoita kuti iwe uswedere kuva nechido chako chakanaka chakasimudzirwa kusvika kumutengo wepamusoro. Chikwereti chekwereti chikwereti chinogona kushanda zviri pamutemo chikwata chechikwata kune chikwereti chako kana iwe iwe mari mbiri-iko, unova mazuva makumi matanhatu apfuura. Zvichienderana nemitemo yako yekadhi rechikwereti, chirango chechirango chinogona kushanda kune imwe mimwe makadhi emakwereti aunayo nemudzikinuri wako. Zvakaipisisa, chirango chechirango chinogona kushanda kune zviyero zvitsva zvisingaperi.
Dzivisa kuwira kune " imwe dollar zvishoma kubhadhara myth " iyo inoratidza kuti unogona kutumira chimwe chinhu chiduku kudarika chikwereti chako chakanaka kuti usangane nemutengo wako wekubhadhara pamwedzi.
Kusiyana nezvaunogona kunge waiverenga kana kunzwa, kadhi rechikwereti haasi kubvisa chikwereti chekubhadhara chirango nekuda kwekuti wakaedza kubhadhara. Iwe unofanirwa kubhadhara zvishomanana kubhadhara kana kuita mamwe mahomwe urongwa nekadhi yako yekwereti yekwereti kuti urege kubva kuongororwa nguva yekupedzisira kana kuti chido chako chinowedzera.
Ita mari yakawedzerwa
Panogona kunge pane chimwe chinhu chaunogona kuita munguva pfupi kuti uwane mamwe mari. Iwe une unyanzvi kana basa raunogona kupa kune vamwe here? Edza kutora rimwe basa rokuzvipira pa Upwork kana Fiverr. Pane zvinhu zvakapoteredza imba unogona kutengesa here? Ivaise pane imwe nzvimbo yepa Facebook yemusika, Craigslist, kana eBay. Iwe unogona kutyaira kuti uende-kugoverana basa seUber kana Lyft. Pane huwandu hwezvakasika nzira dzokuita mari nokukurumidza kutengesa zvinhu kana kupa zvivako kune vamwe. Iwe unotofanira kunge uchida kufungidzira kunze kwebhokisi ndokuisa mubasa.
Taura nemutengi wako
Kana iwe usina nguva yekuuya nemari yebhadharo yako shoma, sidza kadi yako mumiriri uye tsanangura mamiriro acho ezvinhu. Itai kuti vazive kuti pane imwe nguva yechirangaridzo uye vaudzei kuti muchakwanisa kupipa mutero wenyu unotevera. Vamwe vanokwereta vachawedzera zuva rako rakakodzera , vachirega kubhadhara mari, uye vacharamba vachipa chiitiko che "ikozvino" chekubhadhara kune mari yechikwereti.
Haasi kadhi kadikiti yemakadhi ichava netsitsi. Kana kadhi yako yekubhadhara chikwereti isingadi kushanda newe, edza kutsvaka mari kune dzimwe nzvimbo mubhajheji yako. Pane chimwe chinhu chaunogona kupedza zvishoma mumwedzi uno? Zvichida iwe unogona kukwereta kubva kune shamwari kana nhengo yemhuri kana kutora zvishoma zvishoma kubva kune waunoshandira pane yako yekubhadhara.
Ona Mawaniro Aungaita Mari Yokubhadhara Chikwereti Chako kune dzimwe nzira dzekuuya nemari kuti iwe ubhadharire.
Ngwarira kutarisa mabhiriro ako
Iwe unogona kuedzwa kuti udzire zvimwe zvekubhadhara mari , asi pano pangava nemigumisiro ipapo, zvakare. Somuenzaniso, kana iwe usingabhadhara motokari yako, iwe unotarisana nemasangano ako akaregererwa.
Iyi inguva yakanaka yekudzokorora yako mari kuti uone kana iwe unogona kuderedza kana kubvisa zvimwe zvikwereti. Unogona here kutema kabha yako kana kubvisa internet? Sarudza zvishoma mari inoshandiswa foni papepa? Kumbira makambani enyu einishuwarenzi kuti muve madhigirii pasi Itai mamwe magadzirirwo emunhu oga kwemwedzi mishomanana? Funga zvinhu zvose zvaunoshandisa mari uye uone kana chiri chinhu chaunogona kuita kunze kwechinguva.
Nzira yekugadzira kubhadhara kusina kukwana
Kana zvakanyanya kuitika uye iwe ukasarirwa zuva rako rakakodzera, ita mari yako nokukurumidza nokukurumidza.
Iwe unogona kudzivisa kuva nechokunonoka kuwedzerwa kune chikwata chako chekwereti kuburikidza nekuita kubhadhara isati yasvika mazuva makumi matatu apfuura. Kunyanya, kubhadhara mushure mekunge zuva rako raitevera rinotenderera rinokuchengetedza kuti urege kuva nepamusoro pamaripo mumwedzi umwe chete. Iwe uchiri kutongerwa kubhadhara mari shoma, asi chikwereti chako chikoro chichachengeteka.
Iwe haufaniri kushevedza kadhi yako yekwereti chikwereti kuti uite mubhadharo wako - kunze kwekuti iwe uchida kubvunza kuti iwe unotora nguva yekukwanisa kuregererwa. Iwe unogona kuita mubhadharo wako paIndaneti, nekutumira, kana nefoni sezvaunowanzoita.
Kana iwe uchitumira kubhadhara kwako mushure mekunge zvinyorwa zvako zvadhindwa, kubhadhara hakuzorevi pane chirevo chako. Chengetera nhoroondo yako yepaIndaneti kuti uone kuti kubhadhara kwako kwakatumirwa uye kutarisa mari shoma yaunofanira kuita nezuva rinotevera rakakodzera.
Kwokuwana rubatsiro rwemhizha
Kana iwe ukaona kuti iwe unogara uchine dambudziko uchiita mari yako shoma , funga chikwereti kupa zano . Chikwereti chikwereti chinogona kukubatsira kuona nzira yekugadzirisa bhajeti yako kana kutaurirana nezvekubhadhara kwepamwedzi pamwedzi nemutengi wako. Chikamu chako chekadhi rechikwereti chichava nenhamba yaungashevedza kana uine dambudziko rezvemari. Kana, iwe unogona kusvika kune National Foundation yeCredit Counseling kuti uwane chikwereti chekupa zvikwereti kune imwe nzvimbo yako.