Nyaya yemari mumhuri yemhuri

Nyaya yezvemari muhupenyu hwemhuri ndiyo imwe yenhau dzinokosha kune vose vakaroorana. Iyo inopa kuoma kwakanyanya kune avo vakaroorana, shure kwezvose, mushure mechato, mushure mechichato, zviviri zvakasiyana zvachose uye hupfumi hwehupfumi, huchibatanidza mune imwe uye kubva ikozvino pavanotungamirirwa kune kuzadzika kwezvinangwa zvakafanana.

Pakarepo zvinodiwa kuwana mhinduro dzemibvunzo yakawanda nezvemari:

1. sei uye kupi kuchengeta mari yakawanikwa?
2. nzira yakakodzera sei kupa mari kune zvese zvemhuri yechidiki (izvo zvakangoerekana zvava zvizhinji)?
3. nzira yekuita nayo kuitira kuti paunotumira mari kune mukuru we "boiler", iwe unonzwa sekuzvimiririra sepamberi hwehupenyu hwemhuri?

Nyanzvi uye nyanzvi mune zvepfungwa dzemhuri dzatovapa mazano avo kune aya nemimwe mibvunzo. Zvirongwa zvekutarisira bhajeti yemhuri zvinogona kunge zvakagadziriswa sezvizvi: chikwereti chakajairika, chinowanikwa kana chakasiyana. Chimwe chikwama chinowanzoreva kuti vakaroorana vanoisa mari yavo mune imwe nzvimbo uye vanoita zvisungo zvekubatana pamusoro pemari yakawanda kana kutenga, uye kutora mari kubva kune cashier yakawanda pasina kuzivisa. Kana uchitarisira zvikwata zvakasiyana, nhoroondo dzevakaroorana dzakasiyana, dzinobhadharwa nezvemari inenge iri hafu, kana imwe neimwe maererano nenyaya dzavo (dzekubvumirana). Chimwe chikwereti chisingawaniki ndeyekutanga kwezvinhu zviviri zviri pamusoro apa zvirongwa. Mumwe nemudzimai vanosarudza chisarudzo chinogamuchirwa, asi, zvisinei, kune vakawanda, mhinduro yemari yemari muhupenyu hwemhuri, pakutanga, yakaoma kwazvo. Kune mumwe munhu zvakakwana kuti uzvienzanise noupenyu hutsva, uye mumwe munhu anoda ruzivo runobatsira, asingazivi kuti ndeipi, mwedzi woga woga unofanira kutora gomba mubhadharo yemhuri. Funga nezvevamwe vavo.

1. Kumanikidzira kushandiswa kwemari kushandiswa kwakakosha, chinangwa chakakosha chezviito zvakadaro ndechokuti uone kuti mari yakawanda uye chii chinoenda, zvinhu zvipi zvinoshandiswa zvinosungirwa, uye pasina izvo iwe unogona kuita kunze.
2. Cherechedza kuti iwe unopedza sei mari: ichi ndicho chisarudzo chekufunga kana chido chekuzvipira? Kana izvi zvikaitika, zvino ziva kuti hupenyu hwemhuri hunodikanwa nekutonhora-ropa, maonero ane chokuita nemari uye kutenga kwaunoita, hazviiti kuti uzviite - saka hapana mari yakakwana.
3. Edza kuiisa kure. Pasinei nemari yako yaunowana, nguva dzose inogoneka kudzoka zvishoma zvishoma, nokuti munyaya ino iwe uchava ne "mari yekusununguka" yaunogona kutumira kune zvinobatsira kuwana kana kuti zororo.
4. Kupfeka mari yakawanda muhombodo yako kunopikisa, nokuti inowedzera muedzo wokuipedza, uye miedzo mumhuri yemhuri yakakwana pasina isu!
5. Usatya kutaurirana mubvunzo wemari nehafu yako, zviri nyore kuita chisarudzo chakanaka pamwechete.
6. Usapfurikidza nemari yakachengetwa, neropafadzo, iyi haisi iyo chete nzira yekuvandudza mari yemamiriro ezvinhu. Kadhi dzingabhadharwa, kutengesa kwemwaka uye kutengesa, mamita - izvi zvose zvichange zvichishandura kuva nechinangwa paunenge uchitenga nekubhadhara zvakakodzera.
7. Zvibvumira kuti uwanzoverenga mari - inoronga uye inokubvumira kuti uone kwavari "kubuda."
8. Kana iwe wakangogamuchira mari, usakurumidza kuripedza, ureve nemafungiro aya, zvino tarisa, uye uchinje pfungwa dzako, kuwana kutenga hakudi.

Kupfupisa, tinoona kuti mubatsiri anokosha mukutarisira mari yemhuri yako ari kuronga. Chero chero mari yemabhadharo emhuri yaunosarudza (mari yakawanda, yakakwana kana yakasiyana), urongwa huchakubatsira kuti uone zvinangwa zvako zvemari uye uzvigadzirise nechinoshandiswa kumhuri chaiyo yemhuri, kwete chinyengeri. Uye kugadziriswa uye kuongororwa kwemari yemhuri kuchakubvumira kuti ushandise kushandisa nzira dzaunowana uye, nokugadzira reserve fund, usavatungamirire kwete zvezvinodiwa zvino, asiwo nezvezvinangwa zvako. Izvo hazvisi kungobatsira chete kugadzirisa nyaya yezvemari muupenyu hwemhuri, asiwo kunotungamirira kune hupenyu hunodiwa.