Maererano nekuongorora kweFebruary 2017 naLearningVest, vanhu vazhinji vanonzwa vasinganzwisisi kutaura nezvemari yavo nehafu yavo yakanaka. Ivo chete 44 muzana yevanhu vakapindura vakati havana kunyanya kutaura nezvehuwandu hwezvemari, zvakadai sehukuru hwezvavanochengeta mari kana kuti zvakadzama zvezvinetso zvavo zvezvemari, kune vavakaroorana navo.
Munguva iyi, 20 muzana vakabvuma kuti vakanga vasati vambonyatsokurukurirana nyaya dzezvemari nevashamwari vavo.
Kunyangwe kutaura nezvemari nemunhu wauri kuedza woo kunogona kunyadzisa kana kurwadza, zvakakosha, taura nyanzvi - kunyanya kana iwe uchingogara pamwe chete kana kuronga kugoverana hupenyu hwako nevamwe. Kupinda muhurukuro dzisina kunaka kunogona kukubatsira kuchengetedza nguva kana mari kwekufamba kwenguva sezvo iwe uchida kuita zvisarudzo zvemari zvakanakisisa; zvinogonawo kuderedza zvinetso zvaunorwisana pamusoro pemari mune ramangwana.
Pano pane nharo dzinowanikwa munyaya dzemari dzinowanzonyadzisa kana kuti dzakaoma kuti dzikurukure, asi dzakakodzera kubhadhara:
Chikwereti chako chikoro : Unogona kunge usingadi kubvuma kuti chikoro chako chekwereti hachina kukwana, asi kugoverana zvikwereti zvako zvekwereti uye zvikwereti kune umwe neumwe zvakakosha kuti uve nechokwadi chokuti uri kuita sarudzo dzakanaka dzemari. Somuenzaniso, kana uri kuronga kutenga motokari pamwe chete, asi mumwe wako ane chikwereti chakanyanya kudarika chikwereti, iwe unogona kuwana mukana wekuwedzera wekufarira pamari yemotokari kana mumwe wenyu achishanda.
Saizvozvowo, kana uine chikwereti chakawanda iwe unoda kuendesa kumutengo wakaderera kadhi rechikwereti, iwe unogona kuwana rubatsiro rwuri nani kana munhu ane chikwereti chikuru chekwereti achishanda.
Zvikwereti zvako : Kufungira pamusoro pemari yako yakakoshawo pakuronga kwenguva refu-kunyanya kana iwe uri zviuru zvemadhora mune tsvuku.
Kana iwe une makumi makumi ezviuru zvemadhora mune chikwereti chikwereti chemudzidzi kana uri kuedza zvakaoma kuti ubhadhara maxed card, ugovana zvikwereti nemudiwa wako. Iwe unogona kushamisika kuona humwe hunokosha humwe hukwanisa uye huchida kukubatsira iwe kubvisa zvikwereti izvozvo. Kubatanidza masimba uye kushandisa zvose zviripo zvekubhadhara pasi zviyero zvinogona kukubatsira kubvisa chikwereti nokukurumidza. Mukuwedzera, kugovana ruzivo pamusoro pezviyero zvako zvinogona kukubatsira iwe pamwe chete urongwa hwehupenyu hwako hunotevera hunoenda uye sarudza nzira inoshanda iwe mose.
Zvaunoshandisa: Usakanganwa kutaura pamusoro pekushandisa, zvakare, nguva inotevera kana uchitaura nezvemari. Iwe unogona kunyara kubvuma kuti mari yako yakanganisa sei, kana kuti kakawanda iwe splurge pane junk iwe usingashandisi. Asi kutaura chokwadi nezvekushandisa kwemari yako kunokosha pakuumba bhajeti iwe nevose unogona kunamatira. Kushanda pamwe chete pabhadharo uye kubatirana pamwe chete kunogona kukubatsira kuti uite maererano nechinangwa chako chakanaka. Usingadi kuodza mwoyo wako wako unogona kuita zvishamiso zvekuti iwe unokwanisa kuti kwete kana iwe unonzwa uchiedzwa nekutenga.
Mitero yako: Usangosiya iyo kumubhadhara wako kuti ataure nezvemakore ako ose emutero . Zvakakoshawo kutaura pamusoro pemitero yako nemumwe wako kuitira kuti iwe ugone kugadzira zvisarudzo zvezvemari zvinokuchengetedza mari pane nguva.
Semuenzaniso, iwe ungada kukurukurirana kugadzirisa zvekushandisa kwemhuri yako yekushandisa mari kuitira kuti iwe ugone kupedza mari yakawanda mubhadharo rekusabhadhara mutero. Kana iwe unogona kuderedza mari yako inotengesa nekuwedzera zvipo zvako zvechipo.
Mhuri yako yakakosha: Vana vangani vamunosarudza kuva navo kuchavawo nechinetso chikuru pamutsara wezasi wemhuri yako. Vanhu vazhinji havafariri kukurukura nezvemari yekuwana vana - kunyanya apo vari kusarudza kuti vangani vane. Asi pfungwa yakanaka kana iwe uchida kudzivisa kuwedzeredza iwe pachako nekuisa mari yako chekuchengetedza panjodzi. Kutaura nezvevana vangani vana vamunoda uye kuti unotarisira kuvakurira sei kuchakubatsira kusarudza zvaunokwanisa. Ichakubatsirawo kuti ujekese kana mumwe wako ari kuda kugara kumba, kuti unoda kushandisa mari yakawanda sei pakuchengetwa kwevana uye kuti unofunga zvakadini mari yekuwedzera, zvakadai sezororo rezhizha, mitambo yemitambo kana makirasi.
Zvido zvako uye mamwe magumo ekupedzisira-ehupenyu: Hazvina kufadza kutaura pamusoro pekufa kweumwe neumwe; asi iwe unogona kuuya kuzvidemba kana iwe usingaiti. Iva nechokwadi chekutaura pamusoro pezvaizoitika kana mumwe wenyu achifanira kukurumidza kubuda. Tora nguva yekukurukurirana nekubatanidza kuisa zvaunoda nezvimwe zvinhu zvinokosha. Nenzira iyo, shamwari yako yasara haisi kurasikirwa nenguva kana mari iri kuedza kuita zvinhu zvako zvakarongeka. Uyewo funga kuwedzera mamwe inshuwarisi yehupenyu - kunyanya kana mumwe wenyu ari kuvimba nemari kune imwe.
Purogiramu Yako B: Iwe unogona kuva nechinangwa chekugara pamwe chete kuti uwane hupenyu, asi ichiri chakanaka chekubhadhara mari kubvumirana zvisati zvaitika pamusoro pezvaizoitika kana iwe ukaparadzanisa. Kubvumirana pane chirongwa chezvemari muchiitiko chaunoputsa chichakuchengetedza nguva nemari yemutemo. Kunyora chibvumirano chisina kukwanisa kunogona kukupawo kwenguva refu rugare rwepfungwa - kunyanya kana mumwe wako ane mari yakawanda kupfuura imwe.