Nzira yekuita bhajeti yemotokari itsva
Zviri mukati
Kuchengetedza mari yemotokari itsva kana motokari itsva yakashandiswa hakufaniri kuva chinhu chinonetsa. Nekuronga kwakaringana, unogona kukwenenzvera nzira pasina kuita kuzvipira kukuru kwemari ipapo. Chengetedza zvishoma nezvishoma uye zvishoma nezvishoma nekugadzirisa zvine mwero kumaitiro ako ekushandisa, uye munguva pfupi iwe uchakwanisa kukohwa mibairo yekutyaira kunze kwenzvimbo yekupaka mota mumotokari yaunoda. Uhu hunyanzvi hwekudzidza nekukwenenzvera zvisinei nezera rako kana mamiriro ezvinhu, uye unogona kushandisa nzira iyi kune chero chinhu chikuru chekutenga, kusanganisira mota dzemangwana, mabhoti, kana kunyange dzimba.
Chikamu 1 che4: Iva akatendeseka nebhajeti yako
Nhanho 1: Nyora Mabhiri Ako eMwedzi uye Mari. Kana zvasvika kune mabhiri anosiyana nemwaka, senge gasi rechisikigo kana magetsi, unogona kutora avhareji yemari pamwedzi zvichienderana nezvawakabhadhara mugore rapfuura.
Usakanganwa kubatanidza girosari uye zvimwe zvekuvaraidza mari; haufaniri kurarama semumongi kuti uchengetedze mari yekubhadhara kana kubhadhara motokari yakazara.
Danho rechipiri: Verenga mari yaunowana pamwedzi. Batanidza zviwanikwa kunze kwebasa rako, senge alimony kana kutsigirwa kwevana.
Wobvisa mari yako yemwedzi nemwedzi pamari yaunowana pamwedzi. Iyi ndiyo mari yaunorasa. Shandisa nhamba iyi kusarudza kuti imarii yaungakwanisa kuisa parutivi motokari itsva.
Ramba uchifunga kuti haufanirwe kushandisa zvese izvi mumamiriro ezvinhu asingatarisirwi, akadai sechirwere chinotungamira kurovha mazuva kubasa, kana kugadzirisa kumota yako yazvino.
Nhanho 3: Shandisa bhajeti software. Kana kuita bhajeti nepenzura uye bepa isiri yako maitiro, funga kushandisa bhajeti software, mazhinji ayo anowanikwa sekudhawunirodha mahara.
Heano mamwe eanonyanya kufarirwa zvirongwa zvekuverenga bhajeti yako uye yekutevera mari:
- BudgetPulse
- mint
- PearBudget
- Kurumidza
- Unoda bhajeti
Chikamu 2 che4: Sarudza mitengo yemotokari uye gadzira hurongwa hwekuchengetedza
Pasina pfungwa yekuti imarii yaunoda kuchengetedza, haugone kufanotaura kuti zvichakutorera nguva yakareba sei kuchengetedza mari yekutenga mota. Izvi zvinoreva kuti iwe unofanirwa kuita imwe hwindo kutenga nguva isati yasvika kuti uwane pfungwa yekuti imarii mota yaunoda inozopedzisira yadhura.
Danho 1: Tarisa mitengo yemotokari. Kana uri kuronga kutenga mota ipapo ipapo, unogona kutarisa vatengesi uye kudhinda uye kushambadzira kwepamhepo kugadzira chinangwa chekuchengetedza.
Paunenge uchironga kuita mubhadharo wepasi, iwe unozopedzisira wave nevatengesi kwete vanhu.
Wonazve kuti imarii yauchazoda kubhadhara pamitero yako yemotokari yaunoda, inishuwarenzi yemwedzi wekutanga nemari yekunyoresa, uye wedzera iyo kumari yese yaunoda kuchengetedza. Mushure mezvose, unoda kutyaira motokari mushure mekunge waitenga.
Danho 2. Isa nguva inonzwisisika kuchengetedza mari inodiwa.. Kana uchinge waziva kuti imarii yauchazoda kuti utenge zvizere mota kana kubhadhara pasi, unogona kuverenga kuti zvichatora nguva yakareba sei kuunganidza mari inodiwa.
Tora mari yese inodiwa pakubhadhara pasi kana kutenga zvizere, pamwe nemitengo yakabatana, uye ugovane nemari yakaverengerwa pamwedzi yaunogona kuchengetedza. Izvi zvinoratidza kuti mwedzi mingani yaunoda kuchengetedza motokari yako itsva yeramangwana.
Chikamu 3 che4: Rambira kuChirongwa Chekuchengetedza
Zvirongwa zvako zvese nekutsvagisa hazvireve chinhu kana ukasanamatira kuhurongwa hwako hwekuchengetedza. Iko hakuna kushomeka kwezvinhu zvinogona kukuedza kuti upedze mari yakawanda kupfuura bhajeti yako, saka iwe unofanirwa kutora chero matanho aripo kwauri anozokuchengetedza iwe munzira kwayo.
Danho 1: Vhura account yekuchengetedza chete yekutenga mota mune ramangwana kana uchikwanisa.. Izvi zvichaita kuti zvikuomere kunyura muhomwe yemotokari yako kana uchinge waedzwa kushandisa chero chinhu pamusoro pebhajeti yako.
Danho rechipiri: Deposit car savings pakarepo. Kana basa rako richikubvumidza kubhadhara mubhadharo wako zvakananga, unogona kuseta otomatiki kutamisa kuaccount yako yekuchengetedza.
Kana iyo isiri sarudzo, edza kuisa mari yako yekuchengetedza mota nekukurumidza iwe paunongobhadharwa kuti uderedze njodzi yekuipedza nguva isati yakwana. Wobva waita sekuti mari haipo kusvika hurongwa hwako hwekuchengeta hwapera uye wava nemari inodiwa yekutenga mota.
Chikamu chechina che4: Enda kunotenga uye utenge
Danho 1. Dzokorora kutenga motokari nemutengo wakanakisisa.. Kana uchinge wachengeta mari inokwana kutenga motokari itsva—kungava nokubhadhara mubhadharo wakaderera kana kubhadhara mari yose—ziva kuti unogona kuwana motokari yakachipa kupfuura yawakachengeta.
Tora nguva yekutenga zvakare uye nekuongorora sarudzo pane kuisa mari yako pamotokari yekutanga yaunoona.
Danho rechipiri: Ongorora nzira dzemari. Izvi zvinoshandawo pakusarudza sarudzo yekubhadhara mari kana ukaronga kubhadhara pamwedzi mushure mekuita dhipoziti.
Mari yemubereko inosiyana uye iwe unoda kubhadhara zvishoma sezvinobvira kune rombo rekubhadhara mota yako zvishoma nezvishoma.
Sezvo mutemo, iyo banking institution inobhadharisa yakaderera muzana pane iyo mutengesi pachayo, asi izvi hazvisi nguva dzose. Tarisa nevakweretesi vakati wandei usati waita sarudzo uye kusaina kondirakiti, nekuti kana wangosaina mutsara une doti, wakazvipira uye chikwereti chako chiri pamutsetse.
Kana zvese zvataurwa uye zvaitwa, uye uine makiyi emota yako nyowani mumaoko ako, kuzvipira kwese kwebhajeti kwawakaita mukati memwedzi mishoma kuchakodzera kuedza. Mukuwedzera, iwe unogona kushandisa hunyanzvi hwako hutsva kuchengetedza kutenga mune ramangwana kana kuronga pamudyandigere. Iwe unogona kutoenderera mberi nekushandisa mari imwechete yemwedzi waunoisa parutivi motokari itsva muurongwa hwekuchengetedza ikozvino iwe wakagadzirisa kune iyo bhajeti.
