Mari yemhuri - maitirwe nayo uye sei kuichengetedza?

Upenyu hunova chigumbuso pakati pevakaroorana, kana mari yemhuri yakarongeka isina kuverenga. Izvi zvinoitika kune vakaroorana vatangotanga kushandiswa kune vamwe. Mumwe nomumwe wavo ane zvido zvake. Kuchengetedza bhajeti yemhuri kunopa chikonzero chakanaka, kana zvinodiwa zvemhuri yese zvichiverengwa.

Ndeipi bhajeti yemhuri?

Mwedzi unobhadharwa ndewevanhu vakuru, uye vana vanovimba navo. Mari yemhuri ndiyo inongororwa nemari yose yevakaroorana, iyo inosanganisira mari inogamuchirwa nenzira yekubhadhara nokuda kwekuita basa nekuwedzera. Mu "mari" isina kukwana inogona kubhadharwa:

• kutengeswa kwemwaka kwekukohwewa kukohwa kubva kune infield;
• iyo michina yean nanny, muchengeti wemba, mutumwa, iyo inoitwa kunze kwemaawa ekushanda;
• kugoverwa kwemashoko makuru (kutengeswa kwemapepanhau, mapepa, magazini);
• zvipfeko (manicure, pedicure, eyelash sticking, massage, hair hair, haircut);
• Basa rokugadzira muzvivako nedzimba;
• freelancing.

Mabasa aya anova nzira huru yekuwana mari, kana vamwe vasipo. Zvakawanda zvinoenderana nekushingaira kwomunhu, ruzivo rwebhizimisi rake uye nekwanisi yekushandura zvaidiwa kuva muchokwadi. Kana vanhu vakuru vemhuri vane zvido zvavo zvekuzvipira izvo zvinopa zvikomborero zvakanaka, zvino mhuri inopopotedzana, uye hukama hunosimbiswa.

Nei mhuri inoda bhajamiro?

Hazvina mhosva kuti mhuri yose yakawana mari yakawanda sei, mubhadharo haichawedzere, kana iwe uchiipedza nenzira isina musoro. Sangano rakakosha rekusungira mari rinodzivirira uye rinowedzera mari kunyange kana mari shoma inogamuchirwa. Mari yemhuri, iyo yakagadzirirwa pamapepa, inofunga nezvemazuva ose mari. Muchiitiko ichi, chinhu chinokosha chinopiwa kuchitenga umo:

• kune chidiro zuva nezuva;
• kune chibereko, chinokubvumira kuva nemamwe mari;
• mhuri dzinoona purofumi yakanaka nekudzokorora kwavo kunobatsira.

Mhando dzemhuri yemari

Nzira dzinowanika dzekuchengetedza bhajeti yemhuri dzinoumbwa nemhando dzesangano rake. Somuenzaniso, mune dzimwe mhuri, mudzimai ndiye mutungamiri akazara wekutengesa mari, ane makadhi ekubhadhara uye makadhi ekuchengetedza pamaoko ake. Mhuri yakadaro "mumiriri wega" haisijairika kana munhu asina chokwadi nezvake uye anofunga kuti mudzimai wake acharasa mari zvakanaka kupfuura iye. Mhuri yehuwandu yemari inogona kuenzanisirwa nemamwe marudzi:

1. Kazhinji . Nebhadhiro yemhuri yakawanda, mari huru uye yakawedzerwa inowanikwa mune imwe chete. Chokutanga, hurumende inobhadharwa, mari inoponeswa kwekutakura, kudya kwevana vari kuchikoro. Zvinhu zvakawanda zvinotengwa zvinodiwa zvinokosha (detergents, zvinhu zvakachena) uye zvinhu (nyama, zviyo, mafuta, shuga). Kubudirira kwezvinhu zvinotevera zvinoshandiswa kukurukurwa pamakurukota emhuri. Nhengo dzevakuru dzemhuri dzinogara dzichiziva kuti ndeipi uye nei vakasiya mari kubva kune imwe mhuri yenguruve.
2. Zvitsaura . Kuparara kwemari yakasiyana kunowedzera kuedza kune avo vakaroorana. Somuenzaniso, mukadzi anotenga chigadzirwa, asi murume anopa zvipfeko zvevana, aripa zvekudya. Izvo bhajeti yakasiyana mumhuri ndicho chikonzero chikuru chekusabvumirana kwemhuri. Kana mumwe wako akanyarara pamusoro pokuti ane mari, uye mumwe - anovada, saka hausi kure nemhosva yemhuri.
3. Mixed . Nzira yakanakisisa yemhuri yemari yekutarisa inosanganiswa. Dhaka huru inowanikwa, sezvinowanikwa mubhadharo yemhuri yose. Asi zvimwe zviwanikwa (somuenzaniso, murume ari kutsvaga basa pane nzvimbo yekuvaka, mudzimai anokora zvinhu uye anotengesa) agare naye. Ichi chimiro chekuumba bhajeti yemhuri haisi kukonzera kunzwa kwekusatendana kune umwe neumwe.

Bhengi iri mumhuri rakaita sei?

Vakaroorana vanowana mubhadharo wemwedzi wega kana vakashanda kune bhizinesi, mune zvekuchikoro uye kuchikoro, munzvimbo dzechipatara, mune zvigaro zvevanhu. Apo bhizinesi remhuri rinotungamirirwa, mari yakaenzana nemhuri yenguruve yegorosi inogona kugamuchirwa kwevhiki negavo kana zuva nezuva. Vanhu vakwegura havashandi, asi vanowana penheji. Pakati pezviyero izvi, mari yakawanda yemhuri inoumbwa.

Kubata, ruzivo, maitiro anoshingaira haagumi ipapo. Vanogadzira chimwe chinhu, kugadzirisa zviputsika zvakaputsika ivo pachavo nevamwe, vanogadzira zvinhu zvakanaka, kubika mikate yakanaka kunyoresa, nyora nyaya dzakanaka. Izvo zvakapiwa mari, iyo inounza purogiramu kupfuura pane nzvimbo yepamutemo yebasa, mune ramangwana inogona kuva inonyanya rudzi rwekuwana. Ndeipi migumisiro yemari yemhuri mumamiriro ezvinhu aya? Mhinduro yacho iri nyore: kubva kune zvese zvemari.

Nzira yekugadzirisa mari yemhuri?

Receipt yemari uye mari yavo inoshandiswa zviri nani pane pepa. Mashoko akadaro akaoma kuchengeta muchiyeuchidzo. Mari yemhuri ndiyo rekodhi yemari umo mari inochengeterwa, uye dhayi yavo inoratidzirwa kujekesa ruzivo rwekuti mari yakawanda "yekusununguka" inoramba yakadini kune dzimwe mari. Kuti uzvifungise, iwe unogona kugadzira bhuku rekunyora uye unyore matafura maviri mairi:

Urongwa hwehuwandu hwemhuri

Mubvunzo wekuti ungaronga sei mari yemhuri, iwe unofanirwa kudzoka nguva dzose. Zvakakosha kugona kuwana mari yevhiki, mwedzi, gore. Zvese zviwanikwa zvinonzwisiswa: penhesi, mubhadharo, kubhadhara, kubhadhara vana, mamwe mahomwe. Nguva dzose kubhadhara kunotsanangurwa: zvishandiso, magetsi, internet, kudya kwechikoro. Zvadaro: mari, iyo yakawanda yakasiyana-siyana: kubhadhara kwemafoni ekutaurirana, kushamba zvakaoma, michina yemhuri, zvipfeko. Zvinotarisirwa ndezvi:

• chiyero chezviitiko;
• mari yekushandisa nguva yakasviba (kutenga mabhazi, mbatatisi, shuga, miriwo uye michero yekukohwa kwechando).

Nzira yekugovera sei mari yemhuri?

Hazvisi zvakaoma kunzwisisa kuti ungaverenga sei bhajeti yemhuri, kana zviri pamusoro apa zvinoderedzwa kubva kumhuri yose yemari. Mari inoramba iine "rusununguko" inogona kushandiswa pakutenga kusati kwatorwa. Kana zvisingakwanisi, mari isina mari inofanira kusara kusvikira pamwedzi unotevera, apo bhajeti idzva richawana mutsva. Panguva imwe chete mari inowanikwawo kune rekodhi yemari kubva kune imwe nzvimbo. Nokufamba kwenguva, mari shoma inowanikwa kubva kuduku duku.

Nzira yekuwedzera mari yemhuri?

Muvhiki vhiki 7, iyo vanhu vanomwe vanoshandisa kubasa. Nguva yamadekwana inopera kugadzirira kudya kwemanheru, kushambidza ndiro, kutarisa nyaya kana mafirimu. Pakupera kwevhiki kunouya kutendeuka kwekuchenesa muimba , kunoshanda pamunda. Urongwa hwehuwandu hwemhuri hunoramba hwakafanana kubva pamwedzi kusvika pamwedzi. Kana paiva nenguva yakawanda yekusununguka, vanhu vanogona kuwedzera mari yavo kuburikidza nemamwe mapato. Pane imwe chete nzira yekubuda nayo: zvakakosha kugovera mabasa nekukwanisa pakati pemhuri yese yemhuri. Zvadaro zvichave zvichibvira kuwana pane imwe nzvimbo.

Kuchengetedza mari yemhuri

Chikanganiso chikuru cheimba ndeyekuedza kurarama semumwe munhu wese. Nokudaro zvakakosha kushamiswa nguva dzose nzira yekuchengetedza mari yemhuri. Vanhu vanotenga mari inoshandiswa perofoni, midziyo yemumba, zvipfeko. "Passive" wardrobe inosvika 20-40% - zvipfeko zvakanaka zvakachengeterwa zvimwe zviitiko, asi hazviitiki. Makamera, video makamera, microwaves anoshandiswa chete nguva nenguva. Zvokudya zvinovaka muviri ndeyewo dambudziko guru. Senyaya yekuti vanhu havatengi zvigadzirwa, asi yakagadzirwa nezvinhu zvinokosha. Asi zvikafu zvinonaka uye zvine utano zvinogona kugadzirirwa kubva pakutenga kusina mari.