Iwe unofunga here kuti murume anonyatsoparadzira kugovera mari yemhuri uye anotungamirirwa nezvikonzero zvisinganzwisisi kwauri? Mumamiriro ezvinhu aya, zvinongova zvakakosha kuti utaure nevakaroorana nezvechinetso chekugadzirisa mari yemhuri. Uye haufaniri kuteerera kune ani zvake, kana iwe uchiudzwa kuti iwe unongoda kuronga bhajeti yemhuri kune iyo mhuri dzine mari yakawanda. Hapana chimwe chechimiro, iwe unogona kunyange kutaura kuti zvinhu zvose ndeimwe nzira yakapoteredza. Nokuti chinangwa chekutarisira bhajeti yemhuri ndechekucherechedza uye kugovera zvakakodzera mari inowanikwa.
Chii chinofanira kutangwa uye chii chinofanira kuitwa mune ramangwana kuitira kuti tinyatsoronga bhajeti yemhuri uye kuti kubvira ikozvino hazvingaratidzi kuti murume anonyatsoparadzira mari yemhuri? Mwedzi woga woga, mhuri inogamuchira mari, iyo inosanganisira mibairo yevakaroorana uye, dzimwe nguva, dzimwe nzvimbo, zvakadai sekubatsira mari kune vabereki, nezvimwewo. Uye mwedzi woga woga, nhengo dzemhuri dzinopedza mari iyi nokuda kwezvavanoda. Vanobhadhara zvinhu zvinoshandiswa, Indaneti, vanotenga zvokudya uye vanopedza mari pane varaidzo, nezvimwewo. Izvi zvinoreva kuti mwedzi woga woga mumhuri kune mari. Kuti ruzivo uye mari kuti zvienzane zvakanaka, uye hupfumi hwemhuri hunofanira kurongwa.
Ita mhuri bhajeti inorayirwa kwemwedzi. Muchidimbu chebhajheji, mari inoshandiswa inofanira kudarika mari, kana kuti inogona kuenzana. Paunoumba bhajeti yemhuri, iwe uchada kuratidza zvose zvaunowana, uye mune mari yekushandisa iwe unofanira kunyora zvose zvaunoda kubhadhara pasina kukanganisa (kubhadhara, zvokudya, mitero, zvikwereti, gereji, etc.).
Nokugadzira bhajeti yemhuri, iwe unogona kuzvibatsira kuti uchengetedze mari yekufamba kuzorora kana kwekutenga kunodhura. Kuti uite izvi, iwe unogona kuronga kushandisa mari yako, kuongororodza uye kuona kuti ndezvipi zvinotarisirwa kuti zvive zvisina maturo, uye kwaunokwanisa kuchengetedza mari. Izvi zvinogona kuitwa kwete kwemwedzi inoverengeka, asiwo kuitora muitiro. Tarisa uye zvinhu zvichaenda kukwira. Nokudaro, iwe unogona kuchengetedza mari yenguva yemberi dzidzo yevana, uye motokari uye firiji yakanaka
Imari yebumbiro yemhuri inoitawo basa rakadaro seiri kudzivirira. Inobatsira vaviri vacho kutonga mari yakawanda inogona kushandiswa, uye mari yakawanda yekudzoka. Izvi zvinobatsira zvikuru kumhuri dzevechiduku vasina ruzivo munyaya iyi yakaoma - kugoverwa kwemari yemhuri.
Kune mhuri dzose, munhu haagoni kusarudza imwe yepasi rose uye yakagadzirirwa hurongwa hwekugovera bhajeti yemhuri. Tinokupa zano, usati watanga kuigadzira, kufunga nezvezvinhu zvakadai sezvi:
- Chizvarwa chemhuri. Izvi zvinofanira kuverengerwa nokuti kuvapo kwevana vaduku mumhuri kunoreva kuwedzera mukupedza mune mbatya itsva, shangu, toyuni. Vechidiki vanogona kutowana mari, asi mari yavo yakawanikwa isiri uye haina basa. Saka hazvifaniri kuisirwa kupinda muurongwa hwemari.
- Zvimwe zvezvemupfumi zvinosanganisira chikonzero chikuru chemari yemhuri - mibairo, uye isiri-mitsva inowanikwa - mari kubva kubhadhara imba, kubva pakubhadhara, kubva pakuita mamwe mabasa, asina basa, nezvimwewo.
- Nhamba nhamba, iyo inoreva chiverengero chekushanda uye kusashandira nhengo dzemhuri. Mushure mezvose, kana kune vanhu vashanu mumhuri yako, uye mumwe chete wenyu anowana, saka zvakakodzera, mukana wemari kune mumwe nomumwe wemhuri ichave, kuisa zvinyoro, zviduku.
- Nhengo yemhuri yezvinodiwa. Mhuri imwe neimwe ine imwe mararamiro ehupenyu, uye yakakwirira iyo, yakakwirira uye inodhura zvido zvemunhu wese wemhuri anova. Sezvo pane chido chekutenga mari inodhura midziyo yemumba, nguo dzinodhura, shangu, unoda kukwereta nanny yemwana, kuitira kuti ugone kuwana nguva yekushandisa mari, kuenda kunzvimbo yakakonzera salon uye muimba yefitness.
Uye zvino tichakurukura nyaya huru dzebhadha yemhuri.
Mari yemari.
Izvi ndezvekuongororwa kwezvinyorwa izvi kuti zvipiwe nguva yakawanda, kuitira kuti gare gare kuichengetedze. Zvinonzwisisika, zvinyorwa zvaro zvakakanganiswa zvikuru nemararamiro emhuri uye zvaanoda, asi panewo sarudzo yakagadzirirwa. Nheyo uye husimbe mari inoshandiswa mumhuri imwe neimwe inogona kugoverwa mumatambudziko akadaro:
- kusingagumi, nenzira yevanhu vemunharaunda uye yekubhadharwa mari, somuenzaniso, kubhadhara chikwereti chekwereti, mari yemotokari, Indaneti, nezvimwe;
- kudya;
- panguvo;
- pane dzidzo uye kubudirira kwevanhu vose;
- kuumba mukati meimba;
- kuzorora;
- kupa humwe nzira yehupenyu hwemhuri.
Matambudziko - vavengi vesarudzo
Muhupenyu, zvisingazivikanwi mamiriro ezvinhu anoitika apo bhadharo yemwedzi yemwedzi yemhuri yapera simba kare kupfuura iyo inofanira kunge yakave iri. Izvi zvinoreva kuti iwe wakaronga zvisina kururama mari yako yemhuri. Iwe unoda kuwana mukati maro chikanganiso chawakaita nekugadzirisa icho, zvisinei kana izvi zvingaitika zvakare. Paunowana zvikonzero izvi, iva nechokwadi chekufunga nezvazvo, zvichakubatsira iwe munguva yemberi.
Iwe, uri mumamiriro ezvinhu akaoma kudaro, kana uchiri kwevhiki musati wawana mubhadharo, uye, sezvavanotaura, iwe unongoda kudya, iwe unoda kusarudza nenzira yakajeka yekuzadzisa mhuri yako bhajeti, kutora mari mune chikwereti. Asi iwe unofanirwa kuziva kuti ivo vachada kudzorerwa, uye zvichida kunyange nekufarira! Kushaiwa kwebhajari yako nenzira iyi hakugoni kugadzirisa.
Kutenga kunodhura
Chero kutengeswa kukuru kunofanira kurongwa mberi. Iwe unofanidza kuongorora mari yako uye mari yako, ita nechokwadi chokuti kutengeswa uku hakuzounzi kukanganisa kwebhajenti yako. Kana iwe uchinge usina zvakakwana, edza kuderedza zvimwe zvitsva kana kutozviisa zvachose zvachose.
Kana iwe wakatora mari yakakwana, usakurumidza nekutenga, nokuti bhadha yemhuri haifaniri kupera kusvikira pakupedzisira. Mushure mezvose, zvinogona kuitika kuti mari iyi inogona kukurumidzirwa kune dzimwe nguva dzinokosha.
"Mhuri yengoro" uye vana
Vanhu vazhinji vanotenda kuti chete vanhu vakuru vemhuri vanofanirwa kuronga bhajeti, uye vana havafaniri kuva nechokuita nacho. Asi uchibvumira mwana kuti atore muhurukuro yerwendo rwemunguva yemberi kugungwa, kana kuti akakwanisa kurasa imwe mari yemari pachake, iwe unobvumira mwana kumwero wepfungwa kuti azvione somunhu anokosha wemhuri. Uye iyi nguva yekudzidzisa ichakubatsira iwe kudzidzisa mumwana wako tsika yekuona mari nemishonga pamwe navo. Ichi chichava chiitiko chinogutsa kwaari, mwana munguva yemberi achatanga kufunga asati akukumbira kuti utenge imwe chido chinodhura. Mushure mezvose, iye achaziva kuti mari haifaniri kubva kumhepo, uye vane nzvimbo yekuguma.
Kuti uone kuti murume wako haasi weirdly kugovera bhajeti yemhuri, uye sezvamunoona zvakakosha, zviongorore iwe muenzaniso wemhuri yako bhajeti.
Joint budget.
Munyika yedu, iyo inonyanya kuenzaniswa yemari yemhuri ndeyebhadhiro yekubatana. Iro rudzi rwemari yemhuri runoti nhengo dzose dzemhuri dzinobatanidzwa mune mari, sezvo mari yose inopinda kune imwe "piggy bank". Vakaroorana vanobvumirana kuti hakuna "iwe" uye "ini" mari mumhuri, zvisinei kuti ndiani anowana zvakawanda.
Nhengo yebhajheji
Kana mhuri ikatora mufananidzo wakadai wemari yemhuri, zvinoreva kuti murume nomudzimai vanoverenga zvose zvinotarisirwa mari yegore rinouya, uye chikamu chinosara chakakamurwa pakati pavo kana hafu, kana kuti sezvavanoona zvakakodzera. Kazhinji mari inogoverwa zvakaenzana nemubairo wevakaroorana. Zvinonzwisisika, uyo anogamuchira mubhadharo muduku achave asina kugutsikana nemugumisiro wakadaro. Mushure mezvose, anoona zvisina kururama kuti akagamuchira zvishoma kudarika imwe nokuda kwezvaanoshandisa.
Yakasiyana bhajeti
Iyi mienzaniso yemari yemhuri yakawanda yakawanda muEurope, uye isu tangotanga kubuda. Panogadzirira bhajeti yemhuri yemhando iyi, vakaroorana vanonyatsoteerera nezvekudzivirirwa kwavo mune zvemari kubva kune mumwe nemumwe. Mumhuri yakadaro, vakaroorana vanojaira kuzvimiririra kurasa mari yavo uye kubhadhara zvikwereti zvavo. Zvechokwadi, mune dzimwe nyaya dzezvemari vanobhadhara zvakaenzana, semuenzaniso, vanobhadhara rendi yeimba kana kuti kubhadhara dzidzo yevana.
Paunosarudza mhuri yemari yemari yemhuri yako, unofanira kuyeuka kuti inofanirwa kugamuchirwa nevemhuri yese, zvisinei kuti ichatungamirira kusavhiringidzwa kwakavanzika uye kukakavadzana kwemhuri yeramangwana.
Isu tose tine tsika uye pfungwa pamusoro pehupenyu hwakanga huchidzidziswa kwatiri patakagara pamwe chete nevabereki vedu, uye izvo zvatiri kuendesa mhuri yedu mutsva kuti tive soy. Kazhinji zvinoitika kuti maonero ehupenyu uye kutarisira kwemhuri yemari yevakaroorana vakasiyana zvakasiyana, uye havagoni kusvika pakubvumirana. Asi zvakakosha kuwana mutauro wakafanana mune dambudziko iri uye pamwe chete sarudza muenzaniso wemhuri yemari yemhuri yako.