Bhajeti ingori hurongwa hwemari yako. Chikamu chakaoma kusarudza nzira yaucharamba uchishandisa. Heano mana anozivikanwa mumutauro wakajeka, uye kuti rimwe nerimwe rinoshanda riini, saka unogona kusarudza rimwe wotanga vhiki rino.
Chinyorwa chino chinobatsira pakuverenga chidzidzo cheBudgeting Methods muchidzidzo chedu chemari chemahara . Verenga, tarisa kana teerera pano, wobva waedza chidzidzo chekudyidzana.
Muchikamu chino
Sei uchishandisa nzira imwe chete?
Pasina nzira, unoongorora mari yako uye tariro yako. Neimwe nzira, unosarudza pachine nguva kuti chikamu chimwe nechimwe chemari yako chinoenda kupi. Izvi zvinobvisa kufungidzira kwezuva nezuva uye zvinoita kuti zvive nyore kuona matambudziko nekukurumidza.
Nzira 1: Mutemo we50/30/20
Mutemo uyu wakafarirwa neSenator weUS Elizabeth Warren pamwe chete nemunyori wake Amelia Warren Tyagi mubhuku rinonzi All Your Worth . Kamura mari yako mushure mekubhadhara mutero kuita zvikamu zvitatu: inenge 50 muzana yezvinodiwa , 30 muzana yezvinodiwa uye 20 muzana yekuchengetedza kana kubhadhara chikwereti.
Muenzaniso (nhamba dzakagadzirwa): ne2,000 pamwedzi, zvinoreva kuti inenge chiuru chezvinodiwa, 600 yezvinodiwa uye 400 yekuchengetedza. Zvinokurumidza kugadziriswa, uye ingori gwara chete. Kana rendi yako yakakwira, gadzirisa migove. Uchiri mutsva pane pfungwa iyi here? Tanga nezvinodiwa vs. zvinodiwa.
Nzira 2: Mahamvuropu
Isa mari yakatarwa yechikamu chimwe nechimwe muhamvuropu yaro, senge chikafu, mafaro uye zvekufambisa. Kana hamvuropu isina chinhu, unomira kushandisa mari muchikamu ichocho kusvika mwedzi unouya. Nhasi vanhu vazhinji vanoshandisa mahamvuropu edhijitari muapp yebhangi pane kushandisa mari. Zvinoshanda zvakanaka kana ukapedza mari yakawandisa pamakadhi, nekuti muganho unoonekwa.
Nzira 3: Kuronga bhajeti pasina kukanganiswa
Ipai mari yese yamunowana basa kusvika pasina chasara chisina kugoverwa. Mari yaunowana kana ukabvisa mari yese yakarongwa uye kuchengetedza kwakaenzana ne zero. Izvi hazvirevi kuti unoshandisa zvese: kuchengetedza ibasawo. Zvinoda kushanda nesimba mwedzi wega wega, uye zvinoenderana nebhajeti rakaoma kana risingawanzoitiki apo euro yega yega inokosheswa.
Nzira 4: Zvibhadhare iwe pachako kutanga
Sarudza mari yawakachengeta, woibvisa pazuva rekubhadhara, wozoshandisa yasara wakasununguka. Ndiyo nzira iri nyore yekuunganidza mari kana kutevera kwakanyatsojeka kuchiita sekunge basa rakaoma. Isa pamwe nechinangwa chakajeka kubva kumutungamiri wedu kusvika pakuisa chinangwa chekuchengetedza.
Ndeipi yaunofanira kusarudza?
| nzira | Best for | Kuedza |
|---|---|---|
| 50/30/20 | Vatangi vanoda mutemo uri nyore | Low |
| mahamvuropu | Vanhu vanoshandisa mari yakawandisa pamakadhi | nzira |
| Zvisina kushandiswa | Bhajeti rakaoma kana kuti risingaenderane | High |
| Zvibhadhare iwe kutanga | Vanhu vanonetseka kuponesa | Low |
Kana usina chokwadi, tanga ne50/30/20 kwemwedzi mumwe chete. Kana ukaramba uchishandisa mari yakawandisa, wedzera maenvelopu echikamu chedambudziko. Hapana nzira yakakwana. Yakanakisisa ndiyo yaunoramba uchishandisa.
Tanga vhiki rino
- Nyora pasi mari yako yemwedzi wega wega mushure mekubhadhara mutero.
- Nyora mitengo yako yakatarwa, zvinodiwa zvausingakwanise kupotsa.
- Sarudza imwe nzira woiisa mubhuku rekunyorera, spreadsheet kana app.
- Ongorora mushure memwedzi mumwe chete wogadzirisa. Bhajeti yako yekutanga ibasa rekunyora, kwete mhinduro yekupedzisira.
Tarisa uye dzidza
Mavhidhiyo mapfupi ekutsanangura nekukurumidza, uye maviri marefu anoenzanisa nzira dziri padivi nepadivi.
Mibvunzo inowanzobvunzwa
Ndeipi nzira yekugadzirira bhajeti yakanakira vanotanga?
Mutemo we50/30/20 ndiyo nzvimbo iri nyore yekutanga, nekuti une mabhaketi matatu chete. Kana usingakwani, edza maenvelopu kana kuronga bhajeti pasina kutevedzera mitemo.
Ndinoda app kuti ndibhajete here?
Kwete. Bhuku rekunyorera kana spreadsheet iri nyore inoshanda. Mapurogiramu anogona kubatsira nekutevera mashandisirwo emari otomatiki, asi nzira yacho inokosha kupfuura chishandiso.
Ndinofanira kuongorora bhajeti rangu kangani?
Tarisa vhiki rega rega kwemaminitsi mashoma woita ongororo yakareba kamwe chete pamwedzi. Gadzirisa huwandu hwemari yaunowana kana mari yako yachinja.
Ko kana mari yangu ikachinja mwedzi wega wega?
Bhajeti zvichibva pane mwedzi wako wakaderera, uye tarisa mari yekuwedzera sebhonasi yekuchengetedza. Kuronga bhajeti zvichibva pane zvisina kurongwa kunoshandawo zvakanaka pano, nekuti unoronga mwedzi wega wega kubva pane zvinosvika chaizvo.
Ramba uchidzidza
- Chidzidzo chemari: Nzira dzekugadzirisa bhajeti
- Kosi yeMari Yemahara
- Zvinodiwa vs. zvinodiwa
- Maitiro ekuisa chinangwa chekuchengetedza mari chauchazadzisa
Ruzivo rwedzidzo, kwete mazano emari. Mienzaniso inoshandisa manhamba akagadzirwa; tarisa mitemo nezvigadzirwa zvinoshanda kwaunogara.
