Kugadzirisa uye kugadzirisa zvebhadharo yemhuri chirango chinoda kuongororwa, uye rimwe zuva pakudzidziswa hazvikwanisi. Zivo, tsika uye ruzivo, uyewo kukwanisa kuzviramba chimwe chinhu nekuda kwemari yakarongerwa mari kana kuchengetedza - ndiyo huru yezvikamu zvekugadzirisa kuronga pamwe nechiitiko chakanaka.
Kuchengetedza pamba kuverenga
Kuchengetedza pamba kugadzirisa chikamu chinokosha chezuva rimwe nerimwe. Kubhadhara maminitsi mashanu kusvika kune rimwe pazuva re "kubudiswa kwezvemari", iwe uchagadzirisa zvemari mumhuri uye, zvakare, pane mienzaniso yako uye ruzivo, batsira vana vako kudzivisa matambudziko akawanda nemari yemhuri mune ramangwana.
Kugadzirisa uye kugadzirisa kwemari yemhuri kunosanganisira kuongororwa mari nemitengo yezuva nezuva, kuongorora zvinhu zvinobatsira uye zvisina zvazvinobatsira, kuronga bhajeti kuitira kuti zvizadzise zvinangwa zvenguva refu, nguva dzose kugadziriswa kwekuchengetedza kuitira kuchengetedza kuchengetedza mari mune zviitiko zvisingatarisiri simba majeure (kurwara, kurasikirwa nebasa, nezvimwewo).
Kuongorora kwe "mhuri yechikwama"
Kutanga kwekugadzirisa bhajeti yemhuri kunosanganisira kuongororwa kwemari yemhuri uye mari. Kuti uite izvi, unofanirwa kunyorera pasi yose mari uye mari yezuva nezuva kwemwedzi. Zvinonzwisisika, pachava nezvinhu zvishomanana chete zvekuwana mari, zvimwe zvose zvichava mari yako. Pakupera kwemwedzi, iwe unofanirwa kutarisa tsanangudzo yakakwana yekutenga kwose kwakaitwa. Iwe uchashamiswa zvikuru apo iwe uverenga mari yakashandiswa, sekutaura, "zvinhu zviduku zvehupenyu." Sezvo wakagamuchira mufananidzo chaiwo wemari yemhuri, unogona kutanga kuronga mhuri yako bhajeti. Ikozvino, nguva inotevera ichave iri kuronga nekuongorora.
Nokudaro, kana wakadzidza kuongorora uye kuronga, iwe unogona kutanga kuumba bhajeti yemhuri. Mari yemhuri, sekutonga, inoitwa yakajairika kwegore, uye yakajeka, nemwedzi. Kuumba bhajeti yemhuri, iwe unoda, pakutanga kwezvose, kuti uone zvinhu zvikuru zvekuwana nemari. Kutenda nekusikwa kwechigadziro chakadaro, munhu anogona kuongorora kuti mari inoshandiswa chii, uye iyo mari yezvinhu zvingaderedzwa. Chinhu chikuru ndechokuti mari inoshandiswa haifaniri kudarika, asi, zvisinei, zviduku, zvinhu zvekuwana kana zvakaenzana nazvo. "Kushayikwa kwemari yemhuri" hakugamuchirwi!
Mitemo yekugadzirisa inobudirira
Kuti urongwa hwemhuri huve hunobatsira uye hunobudirira, munhu anofanira kutevedzera mitemo yakasiyana-siyana nemitemo yekugadzirisa zvakakosha:
- Kuti udzivise "matambudziko" mumari yemhuri, munhu anofanira kuziva kuti angati "kwete" munguva. Izvi zvinoshanda kune zvakawanda zvisingatarisirwi kutenga zvatinogadzira. Kurarama maererano nehutano: "Ndinoda kutenga zvose zvandinoda uye kana ndichida," - izvi unoparadza ukama hwemari yemhuri yako.
- Kugara kwekutora "chikwama chemhuri" ndicho chigadziro chekugadzirira muhomwe yacho pachayo.
- Chengeta zvakanyanya nyaya yekuchengetedza, pasina ivo iwe haugone. Zvishoma, asi zvinofanira kuva.
- Nguva dzose kurukura nyaya dzemari dzemhuri nemurume wako kana shamwari yako.
- Mutemo mukuru wekugadzirisa mari yemhuri urikuumba iwe pachako mhuri yako yekugadzirisa maitiro. Izvi zvinonyanya kukosha kumhuri mitsva. Kukanganisa kwakakura ndiko kuedza kuisa mitemo nemitemo mumhuri, iyo yakarapwa mumhuri yevabereki. Kukurukurirana kwekutanga kweiyo nyaya ndeyekubvumirana kwehukama husina kurwisana munguva yemberi.
- Dzidza kuitisa nguva dzose kuongororwa kwemari uye tsvaga mamiriro ekutsvaga kutenga.
Mutemo mukuru wehupfumi hwemhuri
Vatungamiri vemari yemhuri inhau yemhuri uye yakarongedzwa, kureva kuti, zvinhu zvose zvemari zvinoda kuongororwa pamwechete nehafu yavo yechipiri. Uye muzvinhu zvose ikoko kunofanira kuva kuvimbika ! Kuvanza kukosha kwechokwadi kwekutenga kwako, zviwanikwa zvechokwadi kana zvikwereti zvinogona kuita zvinoparadza kwete chete maererano nemari yemari, asiwo mumhuri pachayo.
Nei uchida kuchengetwa
"Sangano redu rekubhadhara rinokwana chete kubhadharwa uye kubhadhara zvinhu zvekushandisa. Ndeupi rudzi rwekuchengetedza mumamiriro ezvinhu akadaro tinogona kutaura pamusoro? ", Anokurudzira Victoria. Hungu, chokwadi, mibairo yemhuri dzakawanda kazhinji haigone kuchengetedza chimwe chinhu nekudzoka. Kunyange zvakadaro, sezvandakataura pamusoro apa, kana ukaongorora zvinhu zvose zvemari, unogona kuwana chikamu chikuru chemari yemhuri isingakoshi.
Pazvikamu zvakaderera zvakakosha zvakakosha kuwana mamwe mitsva yemari. Ongorora zvose zvaunoziva kuita. Zvichida, kushambidza, kubatana, kuita sarudzo kana kudzidzira, shandisa semudzidzisi weChirungu, - pane zvakawanda zvingasarudzwa zvekuwedzera mari. Chinhu chikuru ndechokuda! Chero zvazvingava, 1% yemari yose yemhuri inogona kugara ichidzorerwa "yezuva riri kuuya."
Chimwe chimwe chikonzero chekukwanisa nekuponesa mari yemhuri ndiyo mutemo wekuchengetedza mari kune chimwe chinhu. Unoda kutenga terevhizheni kana motokari - isa mari yacho parutivi. Kuva nemhuri yekuchengetedza mari nguva dzose kuchakuponesa kana pane chero dambudziko kana mamiriro asingatarisirwi.
Pane chii chokuponesa?
Chimwe chikonzero chekuwana mari uye, sechigumisiro, chitubu chekuchengetera chinogona kuva hupfumi hunobudirira hwemari yemhuri. Ongorora zvinhu zvose zvemari uye funga pamusoro pezvaunogona kuchengetedza. Somuenzaniso, kana iwe uchidya mukamuri yekudyira kana kuti cafe, zvinodhura zvikuru kuti uve nezvokudya zvinotorwa newe kubva kumba. Kana iwe uchityaira motokari yako kana tekisi, kutakura kwevanhu vose kunotora mari shoma. Ongorora mari yemvura nemagetsi, mari yekutengesa zvipfeko kana makemikari emumba. Zvechokwadi, iwe uchawana zvitubu zvemamwe mari emari yebhajhini yemhuri.
Mhando dzemhuri yemari
Mhuri yemhuri yakabatana ndiyo yakakodzera yemari yemhuri. Asi, zvinoitika kuti izvi zvakanaka hazvienderani nemheyo nemitemo yemhuri. Funga nezvemhando huru yemari yemhuri.
Joint budget
Bhengi yakadaro inopa kuti mari yeiri nhengo yemhuri inoenda kune "gwaro rekushandisa mari" uye inowananidzwa pamwechete. Iko rudzi rwemari yemhuri inoratidzika se "kunyanya" kutarisira kwemari yemhuri, sezvo vakaroorana vasina zvivande kubva kune umwe kune hukuru hwehuwandu hwavo.
Nhengo yebhajheji
Nemhuri iyi yemari yemhuri, mari yose yemhuri inoverengwa uye yakakamurwa zvakaenzana. Iyi kugoverwa kwemari yemhuri kunogona kukonzera kukakavara kukuru uye kutsamwa. Kutanga, hazvisi nyore nguva dzose kuparadzira uyo anodya chii. Semuenzaniso, mumwe mudzimai anodya zviduku kana akabhadhara mari yakaenzana yemari muchikafu. Mukuwedzera, mumwe mudzimai anowana mari shomanana achange achinzwa akaomeswa, sezvo mari yake pachake ichava nemari shoma yemari.
Yakasiyana bhajeti
Iyi ndiyo mitambo inowanikwa yakawanda yekutarisa mari yemhuri muWestern Europe. Vakaroorana vanonzwa vakasununguka mune zvemari, kutarisira mari yavo pachavo uye kubhadhara mabhiriro avo. Kushandisa kwemari yemhuri, yakadai sekudzidzisa vana, kubhadhara mabhizimusi ehurumende, zvikwereti zvakabatanidzwa, zvinokwererwa nevakaroorana munharaunda.
Nguva ndiyo mari
Usatora nguva, tanga nekuronga nhasi. Nokudaro, mangwana unogona kudzivisa mari isina kunaka uye nokudaro uchengetedze mari shoma yemhuri. Yeuka kuti kungorangwa chete uye rekodhi rezvemari kuchaunza chiitiko chaicho chakanaka.
Kubatsirwa kwekugadzirisa nekugadzirisa kwemari yemhuri
Kutenda nekugadzirisa kwemari yemari yemhuri, iwe unokwanisa kuzadzisa zvinangwa zvako nekukurumidza zvakanyanya. Kutenda kurongwa hwemhuri hwakarongeka, unochengetedza mari yako. Mukuwedzera, nekuda kwebhadharo yemhuri, iwe nguva dzose uchagadzirira mamiriro asingaoneki. Uye yeuka kuti mhuri inorayirwa uye yakarongeka pakati pevakaroorana chinhu chinokosha chinoita kuti hukama hwemhuri huve nehutano hwakanaka. Kubudirira kwehupfumi nekugadzirisa iwe mazano!