Kutanga, unofanirwa kunzwisisa zvakajeka tsika yemari uye tsika yakanaka yemari. Nzira yemari ndeye mafungiro evanhu kumari yake. Zuva rimwe nerimwe tinosarudza - kushandisa kana kuchengetedza. Saizvozvowo, tsika yakanaka yemari ndiyo tsika inokubatsira kuti udzose mari yako yebhangi mwedzi woga woga.
"Dyara chiito - kukohwa tsika, kudyara tsika - kukohwa unhu, unodyara humiro - kukohwa chiitiko" - saka vekare vaitaura. Usafunga kuti izwi iri rinoshandisa chete kumitemo yetsika kana kuti maitiro ako chaiwo. Mushure mezvose, kana munhu asingakwanisi kugadzira nzira dzakanaka dzemari, haazomborarama mukubudirira, kunyange kana mubhadharo wake unopfuura 100 000.
Sezvazvakaitika, kukudziridza mafambiro akanaka emari hakusi kwakaoma, asi chinhu chekutanga chekuita ndechokuti iwe pachako unobvuma kuti iwe une maitiro akaipa emari. Izvi zvinosanganisira miitiro inotevera:
- kusakwanisa kudzora mari uye mari
- kutengesa kwenguva pfupi (zvizhinji zvadzo zvachose hazvina kufanira)
- zvikwereti zvachose zvevatengi
- kunonoka kubhadhara kwemitemo kusvikira zuva rokupedzisira.
Iyi ndiyo chete inonyanya tsika. Kubva pane izvi zvinotevera 2 nhau - yakanaka uye yakaipa. Zvakaipa - iwe ungadai wakave wakwanisa kuva munhu akazvimiririra, kana vabereki vachigona kukudzidzisa maitiro akanaka emari. Zvakanaka-iwe uri tenzi wako pachako, saka iwe wakasununguka kuchinja tsika dzako apo unoda.
Iye zvino zviri nani kunzwisisa zvinonzwisisika zvemari.
1. Kuchengetedza ruzivo rwezvemari. Ivo ruzivo rwakajeka rwehuwandu hwaunahwo, uchitarisa zvose zvinowanikwa (mubhadharo, bonus, bonus, hack basa,% pamadhipa, nezvimwewo) uye kuti zvakadini iwe wakashandisa zvakakwana (zvikwereti, zvekubhadhara mari, zvekudya, varaidzo, nezvimwewo). Kuti uite nhoroondo yakadai, haudi zvirongwa zvinodhura kana humwe unyanzvi hunokosha, chete chido chako chokutora hupenyu hwako pasi pekushandisa mari uye inowanzochengeterwa mabhuku uye peni yebhokisi inodiwa. Muenzaniso wakajeka:
Tafura yemwedzi mari
muvhareji muhomwe wevanhu 20 000 panguva ino (asati asvika zvishoma)
Nyaya yemari | % | chiyero |
Bhangi yebhangi | 10 | 2,000 |
Mhuri | 10 | 2,000 |
Kuvaraidza | 5 | 1 000 |
Zvisatarisirwe | 5 | 1 000 |
Communal payments | 30 | 6,000 |
Zvokudya | 30 | 6,000 |
Zvipfeko | 5 | 1 000 |
Kuenzanisa (kwehupfumi, kudzidza) | 5 | 1 000 |
TOTAL | 100 | 20,000 |
Kana iwe ukaita zvinhu zvose zvakanaka, ipapo muhomwe imwe neimwe iwe uchave nemari yekuwedzera mari.
2. Chido chekudzidza zvinhu zvitsva , asi usangodzidza kuti udzidze, asi dzidza zvakanyatsobatsira iwe kuva munhu akazvimirira. (Munhu anozvimiririra anozviona semumwe munhu anogona kurarama kwehafu yenguva paaichengetedza kana akashongedzwa asingashanduri nzira yake yehupenyu, saka kana ukashandisa zvinenge makumi matatu nemwedzi pamwedzi, saka iyo yako inofanira kuva nemaduku 30,000 * 6 = 180,000.) Izvi zvinogona kunge zvitsva sevamwe basa, uye kukura kweunyanzvi hwebasa rako remazuva ano, izvo zvichabatsira kuwedzera mubhadharo wako. Iva nechokwadi chekupa zvikamu zvishanu kubva muzana zvemari yako nokuda kwechinangwa ichi. Zvichida iwe unoda mamwe mabhuku kana zvidzidzo zvaunogona kubhadhara kunyange kana mwedzi mishoma yekuchengeta.
3. Kugona kuisa pamabhangi ebhengi chero mari (yakawanda kazhinji 10-15%) yemari yako. Zviri nani kuzviita pazuva rekuwana mari, saka hazvizovi pachena. Zviri nani kuti uise auto-kutumira kune imwe yenyaya, iyo yausingakwanisi kubvisa mari nyore nyore.
4. Kubhadhara mabhizimusi ose ehurumende , kana kwete pakarepo, ipapo pawakagamuchira mubhadharo. Zviri nani kuti uite izvi kubva pakadhi pamusi wemubhadharo kana kuisa iyo-kubhadhara pamari yako kadhi. Zvadaro zvichava nyore kwauri kuti unzwisise mari yakawanda iwe unogona kushandisa nekusununguka.
5. Kukwanisa kusaita zvinhu zvisingatengi , kutengesa kutengeswa kweterevhizheni kana kuti zvakanyorwa SALE (sale discount) muchitoro. Zvakanakisisa kumirira mazuva gumi nemakumi matatu. Dzimwe nguva zvakakwana kunyange 2, kunzwisisa kuti kutenga chimwe chinhu chausingadi chaizvo. Asi kana mwedzi gare gare iwe uchiri kuyeuka nyaya iyi, saka, zvichida, anonyatsoda iwe.
6. Mano ekutenga sezvinoitwa nevanhu vakapfuma, i.e. nevovremya time. Iwe unonyatsoziva zvinhu zvipi muimba kana wadhiro iwe unoda. Uye zviri nani zviri nani kuti uwane urongwa hwezvinhu zvaunoda kuzadza kana gore rinotevera. Semuenzaniso, unoziva kuti mahombe ako echando haataridzi zvakanaka zvakare, saka iwe unofanira kufunga kuti pakupera kwechando iwe uchaona kushambadzira kwakasiyana siyana uye zvichida kutora chimwe chinhu chaicho chaizvo. Mukuwedzera, zvinokutora iwe 2-3 nguva inodhura.
7. Kodzero yekushandisa mari mune zvakawanda kutenga (TV, kushamba, mudziyo wokushambidzira, etc.), uye kwete kutora chikwereti chevatengi, chikamu chechirongwa chausingazombotauri pachena muchitoro.
8. Kukwanisa kuongorora kuwanda kwechitoro paunoenda kunotenga. Kutanga, iwe haugoni kuyerwa chete, asi kunyange kunyengedzwa nekuzvipira. Usanonoka kubvisa chigadziri kana kuti hauna kana iwe usina kusimba pane zvidzidzo. Vazhinji vatengesi vadzidzisi, ivo vari kutoedza kuverenga iwe nenzira yakarurama, kuitira kuti pasave nenzwi riri pedyo nekambani. Sei vachida kukwezva kutengesa, nokuti vachawana "purogiramu" kune mumwe munhu. Uye kuwanda kwaunofanira kuverenga kuti ichokwadi here kuti iyo yakawanda iyo (poda, mazino, mashizha, mashizha, nezvimwewo) ichakutengesa iwe zvishoma.Imwe nguva zvinonzwisisika kutenga mune mwedzi mumwe chete muhombe huru yekuchenesa mavara, nekugara nhaka yemachena, uye Mwedzi unotevera ichiri chimwe chinhu chiri muhomwe huru imwechete iyo haisi yakadhura asi inobatsira kuchengetedza 10-15% yemari yemhuri.Nokuti izvi, ingoshandisa mari kubva kune tambo yekuenzanisa kuchengetedza.
9. Chiitiko chekushanya , chisina kushamwaridzana nechinangwa chisina maturo chiri kutenderera mabhizimisi. Zvichida kubata kana kuvekesa. Pashure pezvose, kana iwe ukadzidza kuita chimwe chinhu chepakutanga, zvinogona kuva zvose kuchengetedza zvinhu zvakafanana muchitoro, nekuwedzera mari, izvo zvinoita kuti ufare. Fungidzira kushamiswa kwevabereki kana vana kana iwe, somuenzaniso, uvape chitubu chasofa chawakashongedza mifananidzo (iyi iinewo yega) kana bhanhire rekutanga, shangu, bhegi risina mumwe munhu.