Mari yemhuri ndiyo nzira yekugadzirisa mari inowanikwa yemhuri yese. Kuchengetedza mari yemhuri hakusi kuvharirwa kwemari iwe pachako neveimba yako mune zvese zvehupenyu, asi kukwanisa kushandisa zvakanaka uye nekufungisisa kushandisa mari.
Kana uchida kuziva mhinduro kumubvunzo wekuti "Ungachengetedza sei mari yemhuri?" Zvadaro verenga nyaya ino. Zvipe iwe nemhuri yako kuchengeteka kwemari kana kuti nguva dzose uvandudze hutano hwavo - izvi chaizvoizvo.
Zvitsva nemari, kana nzira yekugadzirisa sei bhajeti yemhuri?
Kutanga, iwe unofanirwa kuzvidzidzira nehutano hwebhajami yemhuri, sezvo usina ruzivo rwepakutanga, haugone kuronga nenzira yakarurama.
Chimiro chemari yemhuri chinosanganisira nyaya dzebhadha yemhuri. Mari inowanikwa mubhadharo yemhuri inoumbwa kubva munyaya mbiri huru:
- mari inowanikwa;
- mamwe mari.
Muchikamu chezvinyorwa zvekutanga, zvinokwanisika kuvepa kuti purogiramu inogamuchirwa panzvimbo yebasa guru reumwe neumwe wemhuri. Kuwedzera mari inobhadharwa ndiyo inobhadhara mhuri inobva kune rimwe basa, kubva kumabhizimisi, kubhadhara kana kuwana mari kubva pakushandiswa kweimba iripo.
Mari zvatove mumabhadharo emhuri zvinogoverwa mumitsara yakawanda, kana kuti zvimwe iwe wakatofungidzira pane zvimwe zvinhu zvekushandisa:
- running costs;
- mari yekuunganidza;
- reserve fund;
- development fund.
Mazita akadaro echinhu chekushandiswa akagamuchirwa maererano nechinangwa chavo chikuru, chatichakurukura nezvinyorwa. Nhasi mari yekubhadhara mari inoshandiswa mari yemari yemhuri, inosanganisira mari yezvinhu zvose zvaunoda: zvokudya, mabhizimusi ekushandisa, zvipfeko zvisingadhura, shangu, kubhadhara chikwereti, nezvimwewo. Chikamu chemari yakasarudzwa kune zvinangwa zvakakomba uye zvinodhura, zvakadai sezororozhizha zhizha, kutenga kunodhura - kunonzi mari yekuunganidza. The reserve fund mari inorambidzwa "pamusi weusiku". Iko mari yekusimudzira inofunga mari iyo mhuri yako inotengeswa mukugadzirwa kwemhando ipi zvayo yekuwedzera mari.
Kuongororwa kwemari yemhuri kunogona kuitwa mushure memwedzi 3-4 yekunyatsocherechedza zvese mari uye mari yeimba yako, maererano nesarudzo iri pamusoro apa.
Iye zvino zvaunoziva kuti chimiro chemari yemhuri chatinogona kuenderera mberi tichitarisa nzira dzekuchengetedza bhajeti yemhuri.
Nzira yekuchengetedza sei bhajeti yemhuri?
Mari inowedzera, yakanyatsorondedzerwa yakawanda yaunowana nokuda kwebasa rako. Nezvo mari, zvinhu zvose zvakasiyana, zvinogona kuva zvisingagumi.
Ngwarira nzira dzinotevera dzekuchengetedza bhajeti yemhuri uye shandisa zvose kana kuti chimwe chazvo, icho chinokufananidza iwe zvakanakisisa.
Nzira dzokuchengetedza mari yemhuri
Kushandisa nzira dzakajeka dzokuchengetedza kunogona kuderedza mhuri inoshandiswa ne 10-25%.
- Kana uine motokari, shandisa iyo chete kana zvichida kudiwa. Kana iwe uine mukana wekufamba kuenda kunzvimbo yebasa kana kuresitoreti, usasvike kana usakanganise.
- Funga nezvemikana yekuchengetedza simba. Isu tagara tisingatauri magetsi uye hatikwanise kutarisa nhamba yakawanda yemidziyo yemumba, kushandiswa kwaro kunogona kusarirwa zvishoma,
kana kana pasina kubvira kwakadaro, saka kana zvichida edza kuisa magetsi ekudzivirira magasi muimba. - Ongorora zvakare mapurisa emitambo yevashambadziri vako, sezvazviri chaiyo gore rimwe nerimwe vanopa mari inodhura uye inobatsira, pamwe nekushandurwa kwaizoita mhuri yako kubva kubva kune 3 kusvika ku5 muzana yemari yemhuri.
- Usazviramba iwe zororo, enda kune mafirimu, skate uye ushambire mudziva, ita izvi, kana zvichibvira, pazuva revhiki. Chokutanga, pamasvondo mashoma kuwedzera kwevanhu, uye chechipiri, mari yezororo yakadaro ichava 10-15% inodhura pane yevhiki.