Urongwa hwehuwandu hwemhuri

Izwi re "bhajeti" rinonyatsozivikanwa pakati pevanhu. Asi havasi vose vanoziva kuti iyi haisi nzira imwe chete yekuverenga mari uye mari, asi zvakare chiratidzo chehukama hwemhuri mumhuri. Mari yemhuri iyi chirongwa chegore negore, yakagadzirirwa maererano nehuwandu hwemari yeimwe mhuri.

Ndezvipi zvakajeka kuverenga nekutarisa mari yemhuri?

Kuti uverenge bhajeti yemhuri, iwe uchada kuverenga shanduro yemari nemari yemhuri yako mukati memwedzi 3-4.

Kune zvikamu zvakasiyana-siyana muhutungamiri hwehuwandu hwemhuri.

1. Kugadzirisa zvinangwa zvepasi rose. Kana mhuri yako isisina chinangwa chakajeka, iwe haugone kuita bhajeti nenzira iyo inobatsira kubudirira.
2. Kugadzira bhajeti yemhuri kana kuronga mari. Panguva ino, iwe unofanira kugovera zvose zvinoshandiswa:

• zvinodiwa - zvokudya, zvinobatsira;
• zvinodiwa - mari yekufambisa, kudya kwemasikati pa robot, nezvimwe;
• iyo yaida - inodhura kutenga.

• Chii chinoshandiswa nemhuri yangu mari yakawanda?
• pane zvingaita kuchengetedza?
• tinoda zvakadini, uye tinoda zvakadini?

Ndezvipi zvakajeka kuparadzira mhuri bhajeti?

Nyaya inonyanya kuwanda ndeyekuenzanisa, maererano nezvinogovera chibatanidzwa, pamwe chete-zvakaparadzana, zvakasiyana siyana dzemhuri dzemari. Chimwe nechimwe chemienzaniso yakaratidza ine zvinyorwa uye zvisingabatsiri, saka iwe unofanidza kusarudza rudzi rwako zvichienderana nemamiriro ehukama hwemhuri yako.

1. Joint budget. Rudzi rwemari yemhuri yakawanda. Mumamiriro ezvinhu aya, mudzimai nemurume vakaisa pamwe chete mari yose yakabatanidzwa pamwe chete uye vanosarudza pamwe chete kuti vashandise. Munyaya iyi, mari yemari uye bhajeti yemhuri yakabatana.

   Zvimwe zvinhu: pfungwa ye "kubatana" yemhuri.

   Mutengo: kusadikanwa kweumwe neumwe wevakaroorana kuzopa, kubhadhara mari yavo, chido chokusununguka pakugadzirisa matambudziko avo emari. Chido chekurasa mari pane imwe nzvimbo, uye kwete pamwe chete.

2. Pamwe - zvakatsaurwa kana bhizinesi. Kana iwe ukashandisa mufananidzo wakadai wemari yemhuri, iwe unogona kuzvimiririra kuchengetedza chete mari iyo yakasara mushure mekubhadharwa kwezvinhu zvose zvakakosha, zvakadai sezvokudya, mari yekubhadhara, mari yemhuri, nezvimwewo.

   Zvimwe zvinhu: hapana pfungwa yekuzvipa mhosva pamari inoshandiswa kubva mubhadharo yemhuri yose.

   Cons: kusavimba kwemhuri yemhuri kune mumwe nemumwe, nekuda kwekuzvimirira kwavo mune zvemari.

3. Yakasiyana bhajeti. Vakaroorana munyaya iyi muzvinhu zvose vanozvipa ivo pachako, kusvika pane zvekudya. Inogona kushandiswa mumhuri umo mudzimai nomurume vane mari yakawanda uye havadi kuvimba nomumwe munhu.

Pros: hapana kukakavadzana mune zvemari.

Cons: kusava nechido chekugadzira pamwe chete.

Nzira yekugadzirisa mari yemhuri?

"Ungagadzirisa sei bhajeti yemhuri?" Mubvunzo unoshungurudza vanhu vakawanda. Mazuva ano teknolojia inokubvumira kuti uite nyore nyore mari yemhuri kuburikidza nekugadzirira zvirongwa zvekushandisa nemari yemwedzi unotevera. Kana iwe usingakwanisi kuwana mapurogiramu akakonzerwa akombiyuta, ipapo iwe unogona kuzvimirira pachako ita tafura yemari nemari yemhuri yako. Yeuka kuti data inofanira kunyatsotsanangurwa sezvakanyatsoita.

1. Ita tafura muzvigaro 4.
2. Muchikamu chekutanga, nyora zita remari inotarisirwa mumwedzi uno, mubhadharo, pensions, zvipo zvevana, nezvimwewo.
3. Muchikamu chechipiri, pinda muwandu wemari yakatarwa inowanikwa.
4. Muchikamu chechitatu, pinda inofungidzirwa mari, marudzi ose ekutenga.
5. Nhamba yekupedzisira ichaenderana nemari yemari yekutarisira kutenga.
6. Kuenzanisa kwemari yemhuri. Verengai mari uye mari, fungai zvingashandurwa mune data iri mutafura ino kuti uwedzere mari yemhuri, ichisarudza.