Zvemukati
- Nyora pasi zvese zvaunowana
- Chengetedza pachena
- Nzwisisa mashandisiro aunoita mari
- Mari inotaura
- Gadza nhungamiro
- Sevha, Sevha, Chengetedza
- Wana mari yakakwana
- Sarudza zvaunoda
- Sarudza zvaunoda
- Kurukurai zvakagoverwa zvinangwa zvemari
- Kurukura zvinangwa zvako zvemari
- Sarudza mari yekushandisa maapplication
- Gadzira misangano yemari
- Budget usati wabhadhara
- Sarudza zvinangwa zvenguva refu
- Marii yakachengeterwa vaviri vakaroora?
- Vakaroorana vanofanira kugovana mari here?
- Tora woenda nazvo
Iko kuremerwa kwekutora chikwereti, kiredhiti kadhi zvikwereti uye zvimwe zvekushandisa zvemhuri zvinogona kunetesa kune vakaroorana.
Zvidzidzo zvinoratidza mari ndiyo inonyanya kukonzera kushungurudzika muhukama, uye matambudziko emari ari pamusoro pezvikonzero zvezvikonzero zvekurambana. Kutaurirana kakawanda uye kunoshanda kunogona kubatsira kuti michato irambe yakasimba, uye izvi zvinonyanya kuitika kana zvasvika pakushandisa mari.
Saka, sei bhajeti sevakaroora?
Tevedzera aya gumi nemashanu matipi ebhajeti kune vakaroorana kuti vawane mari yavo munzira kuitira kuti ugone kushandisa shoma nguva uchinetseka nezvemari uye yakawanda nguva uchifarira kambani yemumwe wako.
Imwe yematanho ekutanga ekuita bhajeti ndeyekubhaiza mari yako yese pamwe chete. Unogona kunge uri muhoro wako uye kubva kune mamwe mabasa ehunyanzvi anopiwa. Vaise vese munzvimbo imwechete sekutanga kumisikidza bhajeti uye nekuita zvimwe zvirongwa nekuchengetedza, maererano.
Vazhinji vakaroora vanosarudza kubatanidza maakaundi ebhengi, nepo vamwe vachisarudza kuchengeta mari yavo yakaparadzana. Zvisinei nezvaunofunga, kushandisa mari kunofanirwa kuve pachena. Sevanhu vakaroorana, hamusi kungogara chete muchigovana mari.
Tekinoroji inoita kuti iwe ugone kuchengeta zvese munzvimbo imwechete, zvichiita kuti zvive nyore kunyatso taurirana kushandisa nemumwe. Uye usatya kutaura pamusoro peinopfuura madhora chete nemasendi - govana zvinangwa zvako zvemari zvenguva refu kuti ugone kuchengetedza maererano.
Vanhu vanowanzo kuwira mune chimwe chezvikamu zviviri kana zvasvika pamabatiro avanoita mari:
- Vashandisi
- Saver
Zvakanaka kuona kuti ndiani ari nani pakuchengeta nekushandisa muwanano yako. Uchiri kuchengetedza kujekesa, tendera "saver" kuve maneja wekutanga wepamba-pamba zvinoshandiswa.
Saver inogona kuchengetedza iyo spender mukutarisa uye kugadzira bhajeti yekugadzirisa mari zvirinani.
Pamwe chete, gadzira zvikamu senge "grocery kushandisa" kana "mari yekuvaraidza" uye bvumiranai pamari yakawanda yekugovera chikamu chimwe nechimwe. Ingo rangarira kuchengetedza chiyero - saver inogona kuita kuti spender azvidavirire, uye iye spender anogona kuratidza zviitiko zvakakosha kukwirisa pamusoro.
Ronga kumberi uye sarudza nguva yekuita "hurukuro dzemari" apo pausingazokanganiswa kana kuvhiringidzwa, senge masikati eSvondo kana mushure mekunge vana vaenda kunorara. Izvi zvinowanzo kuve zvipfupi "kuongororwa" uko vaviri vangatarise mashandisiro avo maererano nezano ravo uye nekukurukura chero anouya mari.
Ita shuwa yekuronga izvi nguva dzose, senge pese paunobhadharwa iwe kana mumwe wako. Idzi hurukuro dzinogona kubatsira kuita kuti zvinhu zvisanyanya kunetsa kana pakaitika emergency isingatarisirwe.
Zvekusarudza bhajeti yevakaroora, bvumiranai pamusoro pekushandisa yakawanda sei rusununguko imi mose muri vaviri kugadzikana nayo. Ziva chiyero chemari kuti mangani emumwe wenyu aanogona kushandisa pakutenga kukuru.
Semuenzaniso, zvinogona kunge zvakanaka kudzoka kumba uine shangu dzemadhora makumi masere, asi kwete madhora mazana masere emitambo. Pasina nhungamiro, mumwe mudiwa anogona kunzwa kunetsekana nezvekutenga kukuru, nepo munhu arikushandisa ari murima nezvekuti nei kutenga kwanga kusiri iko.
Ichi chikumbaridzo chinokutendera kuti uve anoshanda, nekudaro uchideredza mukana wechiitiko chisingatarisirwe kana nharo gare gare.
Zviri nyore kushandisa chikwereti chako sechikonzero chekusachengeta. Gadzira runyorwa rwezvinangwa zvidiki, zvinogoneka.
Izvi zvinogona kuve zvakapusa sekuisa parutivi $ 25 kubva pamubhadharo wega wega muaccount account. Unogona kutanga nekuedza kusevha $ 1 000 yehomwe ye emergency uye wobva wawedzera pairi nguva dzose.
Kana iwe uchinetseka kusiya mari yakachengetwa chete, kumbira bhangi rako kuti riise zvirambidzo kuaccount account yako kudzivirira kubvisa mari. Ingo usakanganwa kubvuma kuponesa kubudirira pazvinoitika.
Kubvuma kuti unoda rubatsiro rwemari kunogona kunetsa uye kunonyadzisa, asi varairidzi vezvemari vakagadzirirwa kukubatsira iwe kuisa bhajeti, shanda pamashandisiro ako emashandisirwo, kana kunyangwe hurukuro dzakaomarara dzakaomarara nezvemari.
Aya masevhisi ebhajeti evakaroorana anowanzo kuve anodhura kwazvo, uye kudzoka kwekudyara kwakakwirira - pachako, iko kuderedzwa kunetseka muhukama hwako kwakakosha zvakanyanya kupfuura mutengo.
Kunyangwe iwe uchigona kuyedzwa kutsvaga zano kubva kushamwari kana mhuri, avo vepedyo newe vangasape iyo yakatendeseka, ine chinangwa rairo raunoda kunzwa.
Kabhizimusi kadiki kekusimbisa hutano hwako hwemari nerubatsiro rwemudzidzisi kunogona kubhadhara gare gare uye kukubatsira iwe nemumwe wako kudzivirira "kuzvidzidza nenzira yakaoma."
Kana uchinge waziva mashandisiro amunoita mese, rimwe danho mune bhajeti kune vakaroorana kusarudza zvese zvinodiwa. Izvi zvinosanganisira zvido zvemhuri zvakagovaniswa uye zvaunoda wega. Chinhu chakakosha kucherechedza ndechekuti iwe unofanirwa kungoverenga izvo zvinodikanwa uye kwete zvaunogona kusarudza.
Nhanho inotevera pakuronga bhajeti mushure mekufunga izvo zvinodiwa ndeyekuzvipatsanura mumhando dzakasiyana. Panogona kunge paine zvinodiwa nemunhu, zvemumba zvinodiwa, zvemagariro zvinodiwa, zvichingodaro. Kugadzira bhajeti yemwedzi unofanirwa kuve neese aya akapatsanurwa.
Izvi zvinangwa zvemari zvinowanzo kuve zvinangwa zvemberi. Zvinogona kunge zviri zvekutenga imba, mari yevana, nezvimwe. Gara pasi mokurukura zvinangwa zvakadaro wozvinyora pasi muspredishiti. Gadzira yakozve vaviri bhajeti uye sarudza yekuchengetedza zvirongwa, maererano.
Vhidhiyo iri pazasi ndeye vaviri vaviri uye nzira dzavo dzekutarisira zvemari pamwechete. Ivo vanokurukura avo akakosha emari uye vanogovana matipi ebhajeti kune vakaroorana:
Kungofanana nemi mose makagovana zvinangwa zvemari, bhajeti yevakaroora inofanirwa zvakare kusanganisira zvinangwa zvevamwe. Zvinangwa zvemunhu mumwe nemumwe zvinoreva zvemunhu mari sekukwereta uye zvimwe zvinodiwa. Kuronga bhajeti kunofanirwa zvakare kusanganisira zvinangwa zvega zvakasiyana zvichibva pamaitiro emari emunhu.
Kuti uwane bhajeti inoshanda yevakaroorana, tsvaga yakanakisa bhajeti app yevakaroora iyo inogona kuvabatsira mukugadzira bhajeti uye kunyora zvavanoshandisa zvakasiyana nenzira kuti vazonzwisisa mune ramangwana.
Mamwe emabhajeti maapplication ekubatsira vakaroorana ndeaya:
- Homebudget
- Honeydue
- Grocery
- PocketGuard
- HoneyFi
- Kuvandudzwa
- Twine Kuchengetedza App
- Unoda Budget (YNAB)
- Zvakareruka
- Wally
- Goodbudget
- Mvelopu
Kana iwe usiri kufarira maapplication emhuri bhajeti kana kuronga bhajeti yemhuri, kugadzira yakadzama uye yakagadziridzwa bhajeti kuronga iwe wega imwe sarudzo iwe yaunogona kugadzirisa sezviri maererano nezvaunoda.
Dambudziko harigadziriswe nekugadzira bhajeti. Kuomerera pairi kunoda kushanda nesimba kukuru.
Imwe yemazano ebhajeti kune vakaroorana kuronga misangano yevhiki nevhiki kuti vakurukure nezvehurongwa, mari, uye kutsauka. Izvi zvinozovabatsira kuve munzira uye vadzivise zvisina kufanira mashandisirwo ezvinhu zvinogona kudzivirirwa.
Kuronga kwezvemari kwevakaroora kana bhajeti kune vakaroorana kunofanira kutanga nzira kubhadhara kusati kwagamuchirwa. Izvi zvinochengeta zvaunoshandisa zvichiongorora uye zvinokutendera mese nguva yakakwana yekukurukura izvo zvinodiwa uye zvinogona kudzivirirwa.
Kana mari yauya chete, zvinhu zvinokurumidza uye kutsetseka kutsetseka.
Kuronga mari yevakaroorana hakufanirwe kuganhurirwa pakusarudza mashandisiro emwedzi nemubhadharo wega wega. Vakaroorana vanofanirwa zvakare kuronga bhajeti inoenderana nezvinangwa zvavo zvenguva yakareba sekurega basa, homwe yezvekurapa, kutanga bhizinesi, fizi yemwana yechikoro, nezvimwe.
Edza zvakare:Uri Kugona Sei Kugadzirisa Yako Yekuroora Uye Zvemari Quiz
Marii yakachengeterwa vaviri vakaroora?
Vaviri vakaroorana vanofanirwa squirrel mari inokwana yakachengeterwa mazuva ekunaya, kuitira kuti vasazonetsekana nezvemari pazuva rakajairika uye zvakanyanya kukosha, yenguva dzekukurumidzira.
Vakaroorana vanofanira kutevera a 50/30/20 fomula uko kwavanofanirwa kuchengetedza 20% yemari yavo, 50% yezvemari yakamisikidzwa uye 30% semari yekuziva.
Zvakare, vaviri vacho vanofanirwa kuve nemwedzi mipfumbamwe yemari yakachengetwa muaccount inosvikika yezvinodiwa zvechimbichimbi.
Izvi zvinogona kuitwa neyakafanira bhajeti kune vakaroorana kana vagara pasi kunyora mari yavo uye chengetedza zvirinani.
Vakaroorana vanofanira kugovana mari here?
Kana vaviri vacho vari kushanda, zvakafanira kuti vagovane mari yavo muwanano.
Pane zvikonzero zvakasiyana siyana nei vanhu vakaroorana vachifanira kugovana mari muwanano:
- Kugovera zvemari kunopa pachena
- Inobatsira kuseta zvirinani zvibodzwa zvemari
- Vakaroorana vanogona kuita sarudzo dziri nani dzekurega basa
- Inochinjisa tarisiro kubva kune yako kuenda kumhuri
- Inopa zvirinani kuchinjika kufamba neshanduko
- Mari yakawanda yakaenzana nezvakawanda mubereko zvakawanikwa
Tora woenda nazvo
Kana iwe nemumwe wako mukatarisana nematambudziko emari, zvakakosha kuti muedze zvakanyanya kuronga bhajeti nekutarisira mari pamwechete.
Kubva pakubata musangano webhajeti yevhiki nevhiki nemumwe wako kuti mubvumirane nezvenzira dzekuona mashandisirwo emari kana kutounza nyanzvi mumufananidzo, unogona kusarudza bhajeti yevakaroorana nekushanda pamwe chete nemazano akakodzera ebhajeti uye kuwana mari yako munzira kwete nguva.