Zvemukati
- 1. Tanga sezvaunenge uchida kuenda mberi
- 2. Kuburitswa zvizere
- Gadzirisa zvaunotarisira nechinangwa chimwe chete
- 4. Seta mabhajeti ako
Dzimwe nguva, paunobatwa nechamupupuri chehurongwa hwemuchato, nguva yehusiku uye kufara kukuru pakuve murume kana mukadzi, zvinokwanisika kuti kutarisisa kune ramangwana remari yako uye kunyanya yako mari zvaunotarisira muwanano zvinogona kunge zvakadzikira zvishoma ( kana yakambozviita kumberi kwekukurukurirana munzvimbo yekutanga).
Mari inotarisirwa mumuchato inogona kazhinji kufuratirwa, kufungidzirwa uye kutorwa seyakareruka. Mishumo inoratidza kuti nyaya dzemari ndidzo dzinokonzeresa 22% yemarambane, zvichiita kuti ive yechitatu chikonzero chinokonzera kurambana. Kusatarisira mari yako zvaunotarisira muwanano ingozi huru ine mhedzisiro yausingade kubhejera pairi.
Paunenge wakaroora, iwe uri mukudyidzana, kushandira zvinangwa zvakagovaniswa muhupenyu. Zvimwe zvacho zvinosanganisira mari. Saka usati wawana uchinetsana kana kunzwa kunetsekana nemafungire emumwe wako uye maitiro nemaitiro emari zvine musoro kuti uongorore zvaunotarisira mari yemumwe wako newawakaroorana naye.
Kutora nguva yekunzwisisa zvaunotarisira mumari muwanano kunoderedza matambudziko anogona kunge sekunzwa sekunge urikudzorwa, kuve nekufunganya nezvezvikwereti zveumwe wako kana maitiro ekutenga, kana kunzwa kwekunzwa mhosva paunoshandisa. Izvo zvinogona zvakare kukurudzira kukurudziranwa kutaurirana, nhaurirano uye kutaurirana nezve ako ehupenyu ramangwana marongero uye kuda kana ukaita nhamburiko, kukuswededza padyo pamwe semurume nemukadzi apo pamunodzidza kushanda pamwechete kugadzira nekuzadzisa zvirongwa zvako zveremangwana.
Hedzino dzinoverengeka nzvimbo dzaungakwanise kutarisa kwadzo kuitira kuti iwe ugone kubvisa zvingangoitika zvinetswa zvinoitika pamusoro pemari inotarisirwa muwanano.
1. Tanga sezvaunenge uchida kuenda mberi
Imwe yemakanganiso makuru anoitwa nevakawanda vakaroora ndeyekuti vanoshandisa mari yakawandisa pazuva ravo remuchato. Iyi ndiyo imwe mari inotarisirwa mumuchato iyo inogona kumisikidza vaviri vaviri kumatambudziko emari kubva pakutanga.
Sezvauri kutanga, kune dzimwe nzira dzakawanda dzinobatsira dzaungashandisa mari yako kuzviitira hupenyu huri nani uye nekuzvipa mavambo akanakisa. Zvinoita zvine musoro kuregedza gomba remari iri uye kuseta bhajeti rako remuchato rakadzikira zvakanyanya kupfuura zvaunogona, mushure mezvose, rinongova zuva chete. Imba yako ndeye hupenyu!
Zvakare zano rakaipa kuvaka kiredhiti kadhi chikwereti chemuchato kungoshandisa kutanga kwehupenyu hwako hwewanano kuyedza kubhadhara chikwereti.
Kune nzira dzakawanda dzekunakidzwa nemutengo wezuva remuchato wakaderera iyo inogona kuve yakanaka uye isingakanganwike seyakakutorera makore mashanu esununguko yemari!
2. Kuburitswa zvizere
Vazhinji vedu vane mafupa emari muwadhiropu yedu, uye kunyangwe kukurukura mamiriro edu emari newawakaroorana naye hakusi chiitiko chinonakidza - chakakosha. Kana yako mari inotarisirwa mumuchato ichifunga kuti iwe unogona kuchengeta zvakavanzika zvemari zvako wega mushure mekuroora, ungangoda kufunga zvakare nekuti unenge uchitora njodzi huru pawanano yako.
Kutora nguva kuti munzwisise uye mugamuchire mamiriro ezvinhu emari aripo iye zvino nemafungire zvinoreva kuti muchakwanisa kuziva pekutangira mukugadzira hurongwa hwakajeka hwekuti muchazadzisa sei zvinangwa zvenyu muhupenyu hwenyu pamwe chete.
Pasina kuburitswa zvizere, iwe unozopinda mumatambudziko, kana kuve nekutsanangura kwekuita pane imwe nguva mune ramangwana, izvo pasina mubvunzo zvinotungamira kumatunhu ekuderera ekuvimbika muhukama hwako nemari.
Ita shuwa kuti iwe uri akatendeseka pamusoro pezvikwereti zvako, mashandisiro emashandisirwo, zvakashata, zvinokanganisa kufunganya uye zvaunotarisira uye mapatani akatenderedza mari kuitira kuti iwe ugone kugadzira hwaro hwakasimba hwemari yako yeramangwana.
Gadzirisa zvaunotarisira nechinangwa chimwe chete
Sezvo imi muchirarama hupenyu hwenyu pamwe chete muchave nezvinangwa uye zvinotarisirwa zvemari zvamunoda kushandira, pamwe iri imba hombe, zororo, kugadzirira mhuri, kubvisa chikwereti kana kuronga pamudyandigere, chero zvazvingava, kuchave nekukura chinangwa. Asi dambudziko nderekuti vaviri vakaroorana vanogona kuva netarisiro dzakasiyana zvachose pane sarudzo hombe dzemari dzavanoda kuita. Saka zvakakosha kuti mukurukure zvinangwa zvemari nezvishuwo zvenyu mozowirirana semurume nemukadzi muchibvumirana kuti ndezvipi zvinangwa zvemari zvamunoda kushandira. Nenzira iyi imi mose munogona kupihwa mari mukutamba chikamu chenyu mukushandira chinangwa chenyu. Kubatana mumuchato uye mari uye zvinangwa zvavo zvakakosha kune rugare uye mufaro muhukama.
Asi kushandira zvinangwa zvako ingori nhanho yekutanga, inotevera unozofanirwa kuita gadziriro yekuramba uchiongorora mumwe nemumwe kuti uone kana imi vaviri muchiri kuda ichi chinangwa, mafambira mberi sei kusvika pazvinangwa zvenyu, uye neshanduko dzipi dzamungagone kuda kugadzira. Pasina kutarisa mukati, kanokwana kamwe pagore, iwe uchakurumidza kukanganwa nezvazvo uye ungangoita kukukurwa kubva kune ako akakosha emari zvinangwa.
4. Seta mabhajeti ako
Zvakakosha kumisikidza bhajeti remhuri neepamoyo pachedu kuti ugone kuzadzisa zvinangwa zvako zvemari, uye vese vanonzwa kunge urikubatsira kuzadzisa chinangwa (kunyangwe paine munhu mumwe chete ari kugadzira mari). Nenzira iyi, yako grocery bhiri haizotanga kuwedzera nekuda kweiri nyore, iwe unodzima mwenje, kana kusanganisa marwendo mune imwe rwendo rwekuchengetedza pamafuta, ese ayo anozobatsira mukuchengetedza bhajeti yako.
Kuva nebhajeti yako yakabvumiranwa kunobatsirawo kwete chete mukugadzirisa mari yako asi zvakare kudzivirira chero mumwe wako kubva mukunzwa mhosva pamusoro pekushandisa, kana kudzivirirwa pakutenga chinhu chavanoda kana chavanoda kuchabvisa chero matambudziko kana nharo zvakare.
Tevedza aya matipi ekutarisira mari emuchato unobudirira. Mari handiyo yega chinhu chinoita kuti vaviri varambe vachifara, zvisinei, kusashandisa zvakanaka mari kunogona kukonzera kukakavara uye kuparara kwekutaurirana kwevakaroorana. Kuroora uye mari zvinofambidzana uye zvakakosha kubata nekugadzirisa zvinotarisirwa mumhuri.