Mhuri Planning bhajeti

Munhu wose ajaira chokuti vanoda mari nhoroondo. Zvakakosha kuti kwete chete kuva anokwanisa kuponesa kupedza pachangu, asi chete kuti kuronga bhajeti. Pakutanga izvi zvinoita seboka tsvarakadenga nyore basa: kumbosendeka imwe mari, kuti aiite mari kuronga uye kwete tsaukai urongwa. Zvechokwadi, zviri nyore kudzora kushandisa kwaunoita mari uchigara uri woga, kuronga mhuri bhajeti zvinoda nguva yakawanda uye nesimba.

Saka, iwe basa pamberi rokuparadzira bhajeti nenzira yakadaro kuti zvakakwana kubhadhara chikwereti chacho, kubhadharwa kukireshi, Eenhede, kutenga mbatya uye neimba midziyo yemagetsi, uye pamusoro akasiya "zuva dema". Bvumiranai, zvakaoma kuyeuka zvose mabasa aya uye kukwanisa kushandisa mari rationally.

Kuronga mhuri bhajeti - nyaya kuti rinoda zvakarurama kusvika. Zvikasadaro, pasina zvakakodzera kuzvidzora, mari inogona kupedzerwa zvinhu, imi mune chokwadi zvikuru zvisingakoshi, vasakarurama uye varaidzo kutenga. Maererano kutenga uyu anodiwa chaizvoizvo here chinhu hazvibviri.

Mazuvano pane zvirongwa zvakawanda-software kuti anogona kukubatsira kuronga mhuri bhajeti nokukurumidza uye nyore. Somuenzaniso, "Home Bookkeeping". chirongwa ichi oga vanokanganisa pamusoro akapinda mashoko. Achibatsirwa e-musha ndizvidavirire unogona kudzora chikwereti, kupfupikisa kwenguva yakati, chengeta zvinyorwa mari uye mari, zvikwereti yokufambisa uye purogiramu, etc.

Maererano nokutsvakurudza nemasayendisiti American, mukuru nemari yakawandisa chikafu, uye 30% kwezvokudya kubva firiji yako anoenda ari marara. Izvi imhaka yokuti mhuri kutenga zvigadzirwa kwevhiki, havana nguva kudya zvose zvokudya uye zvaisakara. Ndicho chikonzero kuronga kudya kwevhiki kuti mhuri yakakura kunotodiwa. Ose kuchengetedza munhu anoyeuka sei uye chii akatenga.

Family bhajeti Kuronga izvo kazhinji unowira pamafudzi vakadzi, zvinoda akangwarira Masvomhu uye yakawanda achiteerera. Dzimwe nguva vanhu havana hanya kuti kupedza mari yakawanda zvinhu zvakafanana mhuri makemikari, zvizoro, zvigadzirwa muzvitoro. Kuronga mari inoda chikonzero chando uye akarongeka mafungiro. Regai kurasikirwa zvidiki, kanganwa pamusoro kupedza akadai kuenda mabhaisikopu, cafes, kutenga magazini uye zvichingodaro. D. mhuri The mari kupfuura kare rava maindasitiri uye zvokudya zvinogadzirwa nenguva Wholesale muzvitoro, saka unogona kuponesa kusvika 50% of bhajeti.

Uyewo munokosha ataura ndechokuti kazhinji tinowana zvigadzirwa zvavakatemerwa nemashoko okushambadza. Achiona izvi kana kuti chigadzirwa paterevhizheni kana paIndaneti, ukamhanya pakarepo kuti kumashopu kuti chigadzirwa itsva. Uye matongo zvikuru nevakadzi zvose - pamwaka Sales, panguva iyo shopaholics zvose zvakakwana vakanganwa kuti kudzora mhuri bhajeti, uye vanoenda mhepo.

Kana uchida kwete chete kuti tenzi Kuronga mhuri bhajeti akakwana, asi kuti kudzidza kuponesa, yeuka mashomanana mitemo nyore:

• Ipai vose zvikwereti neshamwari dzake, haana kutora mari vakakwereta;
• kuparadza zvose makadhi, iro hakuna muganhu;
• Kunonoka chikamu muhoro (20%);
• uendese bhajeti nenzira kuti 50% wenyu anogona kupedza pane zvakakodzera mari, 30% kuti aida zvinhu uye varaidzo, 20% kuti abhadhare chikwereti, mari.

Kuti husava kwako basa, unogona kuva akawanda mahamvuropu, iro riri kupendwa zvakadzama chii mari shure kwavo, unofanira kushandisa. Somuenzaniso, hamvuropu rekutanga akaronga kushandisa uye mumwe nokuda fanira mari (utilities, mubhadharo yemutoo wezvikwereti, Indaneti, pafoni, etc.), The wechitatu - nokuti chisingatarisirwi ishandise wechina - nokuti aida mari (mbatya, varaidzo), etc. .

Kuronga mhuri bhajeti - kwete zvikuru mafaro, asi zvakakodzera. Kana uchida kuva mumhuri yenyu nguva dzose aiva mari, uye iwe unogona chinhu hazvitadzise, iwe purani.