Mumwe nomumwe wenyu anoshamisika kuti ungashandisa sei mubhadharo wako pane imwe godo, uye zvino udye imwe buckwheat kusvikira wero unotevera. Uye iwe haugoni kunzwisisa kuti sei iwe nguva dzose uchida kushandisa mari pane hardware yekombiyuta, uye pane zvitsva zvitsva. Zviri nyore kuti mukadzi azvicheka muzvokudya, achangodya chete porridges, uye panguva imwechete iye achava mumhepo yakanakisisa, uye chinhu ichocho chichagara zvakanaka uye nekuda kwechimiro, nokuti ane chido chokuzvidzidzisa pane kudya kwechinguva. Asi murume kubva pane zvaanoita muzvokudya zvakaoma kuramba, uye pasina nyama havagone.
Panofanira kunge kune kukanganisa kunonzwisisika, nokuti iyo isingaverengwi mari yezvemari inotungamirira kusanganisa nekunyadzisa. Munhu wose, paanotanga kugara pamwe chete, anoedza kushandisa imwe zvishoma, achiverenga kuti kune kakato 2 zvikwereti mumhuri, asi mari inowedzera kunyange kupfuura.
Maererano nehuwandu, vakadzi vanopedza mari pazvipfeko, zvipfeko, zvinonhuwira, kushandisa mari pazvipo kune hama neshamwari, pane varaidzo, pazvinhu zvekuumba imba inofadza. Varume havazombozvirambi ivo pachavo vachidya zvokudya zvinonaka uye kuisa mari muzviidzo zvavo.
Kuti udzivise dambudziko iri rekusava nekukakavadzana nekuzvidza, zvinokosha kuti ukurukure mari yemhuri. Inofanira kunyorwa pamapepa, sezvo munhu wose achiona kugoverwa kwemari uye mari. Tarisa pane zvaunogona kuchengetedza, chimwe nechimwe chinodhura zvakajeka pane zvinhu. Zvichida, mudiwa wako haazive kuti mari yakawanda sei inoshandiswa kugadziriswa uye yekuchenesa mafodya.
Semuenzaniso, tora chikafu newe kuti ushande, zvose zviri zviviri zvinobatsira uye zvisingabatsiri.
Tenga zvinhu panguva dzenguva dzezororo, pane zvekutengesa. Ita urongwa mberi kuti urege kutenga zvimwe. Zvimwe zvisingazovi nemari, uye iwe uchapedza mari yakawanda. Zvino, kana uchisvika kumusha, uchibvuma kufara, iwe uchaona boka rezvinhu zvisingakoshi. Uya nechikwereti chemari newe, asi panzvimbo iyoyo tora musikana wako kana murume wako newe. Kuti urege kutenga iyo yekutanga, kupa zvipo kuhama neshamwari zvisati zvaitika.
Ipai chikwereti kana musingadi kudarika chikwereti. Iwe unogona kuchengetedza mari yekutenga, uye pashure penguva yakati, iwe unogona kuchengetedza mari yakakodzera, uye bhangi hairi kudarika muhuwandu hwekufarira.
Kana iwe uchida kutenga chimwe chinhu zvakajeka kupfuura zvaunokwanisa, funga pamusoro pezvaunofanira kuchengetedza. Kana murume achiomerera pane kutenga kunodhura, ipapo regai agadzirire zvokudya zvinodhura. Edza kamwe kamwe pavhiki kutenga zvinhu zveimba uye zvokudya mumisika zhinji, enda chete kuchitoro kune chimwe chinhu chinodiwa.
Apo uri kuronga bhajeti yemhuri, iwe haufaniri kurarama mune chikwereti, zvingava zviri nani kuponesa pane kukwereta kune vanoziva. Kuti uwedzere, izvi hazvirevi kuti unofanira kuzviramba muzvinhu zvose. Mari inofanira kutorwa kana iine chikwereti. Hazvina musoro kuti tipe midziyo yemumba, nguo dzomoto uye zvishongo. Zvikwereti zvinoshandiswa nevanhu ivavo vasingagoni kuchengetedza mari pane chinhu chakakosha. Uye havagoni kuponesa, nokuti vanogara mune zvikwereti upenyu hwavo hwose. Nokudaro kugumisa - iwe unoda kudzivisa chikwereti.
Mubhangi, ita mari yekukurumidza. Iyo inonyanya kuzivikanwa nenyaya iyi ndeyekuti mari inodzinga pane imwe nguva, somuenzaniso, kaviri pagore. Pamwe iwe unorasikirwa nehanya kwako, uye izvi zvinenge 10% pagore. Mupiro wakadaro unogona kuzadzikiswa chero nguva.
Ngwarira kuverenga mhuri yekunowana uye inenge ichitarisa zvinhu zvekushandisa. Somuenzaniso, chikamu chemari ichaenda kumhuri inoda - yekubhadhara mari, chikamu - chichaenda kuakaunti yakakurumidza, yezvokudya, kutenga kwemhuri kune imba, petoro, zvinyorwa zvekunyora. Misha yemhuri yechipiri yemhuri inogona kubvumidzwa kutenga midziyo, mbatya, varaidzo (zvipo kune hama, mafirimu, kuenda kumakamuri) uye mari yehomwe. Tichifunga nezvemari chaiyo, zviyero zvinogona kugadziriswa.
Kana iwe usingakwanisi kuunganidza mari, zviri pachena kuti tevera urongwa. Kana iwe ukasarudza kuti hafu yemari inofanira kuiswa mu-account, saka usazvipa chero upi zvake.
Kana iwe uchigere kuwana mari yakakwana, uye miviri yako mibairo inowedzera muyero wakakwana wehupenyu, saka zvinodiwa nemhuri yako hazvienderani nemikana yako. Donesa zvido zvako. Hazvifanirwe kupinda muhutano husina kunaka hwebhadharo yemhuri. Uye izvi zvinofanira kuva: kuwanikwa kwemari mubhengi rebhangi, pasina zvikwereti, pamusi wekubhadhara kunofanira kuve nemari shoma yezvinodiwa mari. Nekubvumirana kwevakaroorana vaviri, kutenga kwega kwega uye kudiki kunofanira kuitwa. Dzimwe nguva murume kana mudzimai anodzinga chikamu chechipiri chekushandisa mari yakawanda. Zvibvunze, iwe unoda chinhu ichi, uye wakakura, kufunga, haugone kutenga zvisingabatsiri uye kuchengetedza mari mumhuri.
Zvinogara zvichidiwa kuchengetedza mari here?
Zvechokwadi, kuponesa kwakanaka, asi apo iwe unoda kuchengetedza, uye zvinoitika kuti kuponesa kwakanyanya kuduku zvokuti zvinongonyangadza hupenyu hwako.
Semuenzaniso, iwe wakaramba wakanonoka neshamwari. Imba yemusikana iri pedyo nekumisa, hapana kutakura, unofanira kuenda kumamwe mugumo weguta. Iwe wakasarudza kuchengeta mari uye usatora tekisi. Mushure mokumira kweawa pachitomira, uye kusviba, iwe unofanira kufamba uchienda kumba. Iwe unozvirumbidza iwe pachako kuti iwe wakachengeta mari. Asi mangwanani iwe unoona kuti pane zviratidzo zvose zvechando, uye kuitira kuti urege kutora zororo rinorwara, uri kuwana mishonga, nokuda kwechiyero chinopfuura kaviri kubhadhara tekisi. Mhedzisiro - iwe haugoni kuwana hope dzakakwana uye unenge wava kurwara.
Imwe yakadaro yakachengetwa. Iwe unogara murima, iwe unoda kuponesa, nokuti magetsi anotenga mari. Mune nguva yakaoma munguva yechando uye yekuvhuvhura muviri wedu uri kushaikwa kwechiedza. Maererano nevepfungwa dzepfungwa, chiedza chinofanira kuiswa panguva ino chichijeka. Kana iwe uri mune nzvimbo isina kujeka murima, inotungamirira kune kuora mwoyo kwemazuva, uye mari yakawanda ichashandiswa pakurapa chirwere chacho. Umagetsi unoda kuponeswa, asi hazvirevi kuti unofanirwa kugara murima apo paine kukwana kuvhara chiedza, haufaniri kubva paTV iri kushanda. Mushure mezvose, vanhu vazhinji vanosiya TV pane zuva rose, kunyange kana pasina munhu ari kutarisa.
Iye zvino tava kuziva kugadzirisa bhadha yemhuri zvakanaka. Munhu wose anofanira kuva nemari yezuva remvura, iyi ndiyo yakachengetwa mari. Kamwe chete pagore kana nguva nenguva unoda kuita mari yekuongorora. Iwe unogona kunge uine mari yakadaro iyo iwe haugone kuita kunze, kana iwe unoda kuderedza. Munyaya iyi, mumwe haafaniri kudyara hama dzake muchingwa nemvura. Uye izvi zvakakosha kuti iwe uzive zviri kuitika nemari yako. Zvichida mari yako yaunowana haina kukwana, kune iyo inotenga yaunotarisira kutenga. Kana iwe uchibata zvakanaka kuronga kwemari yemhuri, iwe unogona kurarama usina chikwereti, uye kuponeswa kuduku kuchakubatsira kuronga bhajeti yemhuri yako zvakarurama.