Nzira yekuchengetedza bhajeti yemhuri - mazano chaiwo

Ndiani asingafungi kuti ave nemari inoda mari mumhuri yenguruve-yenguruve? Unoda sei, kuti mibairo inopfuura kudhura. Uyezve, regai uye zvakanyanya sezvinobvira nemafungiro edza kurasa basa rakaoma rakawanikwa, uye mari ichiri kushandiswa zvakasimba pane chimwe chinhu. Kunyange zvakadaro zvakaoma zvingaratidzika, zvinogona kuchengetedza mari yemhuri, chinhu chikuru ndechokuteerera mazano chaiwo, kuva nemoyo murefu uye, zvakakosha, kuwana chido.

Nzira yekudzidzira nzira yekuchengetedza sei bhajeti yemhuri?

Saka, kutanga kwezvose, zvakakosha kutaura pamusoro pezvinonzi kuronga kwemari yemhuri. Zvakakosha kuitira kutumira zvakakwana mari yakakwana yekuzadzisa zvinangwa . Mukuwedzera, nekubatsira kwake iwe unogona kuva munhu akazvipira mune zvemari.

Zvakakoshawo kuwedzera kuti nekuda kwekugadzirira kunogona kupa nyore nyore hupenyu hunyaradza, kuparadza mari chete pane zvinodiwa uye zvakakosha.

1. Nhungamiro nhamba 1 . Kuti uchengetedze, haufaniri kuzvidzivirira iwe, uye nhengo dzemhuri yese, mafaro ehupenyu. Ita runyararo rwekutsvaga uye mune dzimwe nguva zvikwereti zvisingakoshi. Zvichida, mukadzi weimba yega wega achava nezvinofanira kuisa mukati maro. Inogona, somuenzaniso, kutenga zvisiri izvo. Panzvimbo pokushandisa mari pairi, vanogona kuiswa mari mukuzvitarisira ivo, kuzorora uye kunyange muzvipo kune hama. Mutemo mukuru unobatsira kunzwisisa chii chaunogona kuchengetedza bhajeti yemhuri ndeichi: "Dzidza kuisa mberi. Usakanganwa kuti unofanira kuchengetedza mari. Ndicho chikamu chakarembera chemari chichabatsira kusimbisa kunyaradza muupenyu. "
2. Nhungamiro nhamba 2 . Zvinokwanisika kuti wakanzwa pamusoro pegurogiramu, iyo inofanira kusanganisira iyo yakanyatsonaka data pamusoro pezvawakashandisa mari uye panguva. Zvechokwadi, zvakanaka, asi kana iwe uine mutoro iwe nemhando dzakadai sekuti zvidimbu zvipi zveeiii zvakatengwa uye zvinodyiwa muvhiki, zvino, unoona, izvi zvishoma zvishoma. Kusiyana kwakasiyana-siyana: muhutano hwemagetsi tinogadzira tafura. Ichava nehurukuro "Inoshandiswa" uye "Incomes". Semuenzaniso, inogona kuva michina, mbatya, kubhadhara kweInternet, kugadziriswa kwemafaira efoni uye nezvimwe zvakadaro. Chinhu chikuru hachisi kupedzisa pakuzadza tafura yakadaro nguva yako yose yekusununguka.
3. Nhungamiro nhamba nhamba 3. Iwe unotanga kutanga kuchengetedza bhajeti yemhuri, pakarepo paunowana mubhadharo. Saka, pakarepo udzoke chikamu ichocho chemari iyo inofanira kuve yakagadziriswa mukugadzira pachedu. Uye shandisa mari yakasara nerugare rwepfungwa.
4. Nhungamiro nhamba 4 . Ko mabhiriyoni eWest vanokwanisa sei kuwedzera mari iripo? Hongu, zvose zviri nyore. Ndiudze, unoziva kuti nguva yako yenguva yakawanda sei? Asi haizokuvadzi. Ziva mutengo wemari. Kuverenga: somuenzaniso, mumwedzi unowana 770 USD. Purogiramu yako yepamutemo yebasa iri maawa 176. Zvose, awa yehupenyu inodhura 4.4 USD. Kushandisa 20% yemari yako yako pasina, iwe unorasikirwa kwevhiki rose. Hazvisi kunyomba here? Izvozvi, pane kudaro, zvingave zvichiita kuenda muzororo kwevhiki rose.
5. Nhungamiro nhamba 5 . Iwe haufaniri kuchengetedza bhajeti yemhuri pane zvekudya, nokuti kana uchinge waderedza mari huru, iwe uchanzwa kuchinja. Muchiitiko ichi, zvakakodzera kufungisisa nyaya huru. Iyi haisi iyo yakawanda kangani pavhiki wakashandisa mari kubhadhara bhazi, uye, somuenzaniso, pane chikwereti chakavhara iwe waifamba neChishanu chekutanga pachikwata.

Tinochengetedza pamasangano ehurumende