Mari vanobhadharwa nguva, asi mari akanga asina. Nemashoko aya Takabvuma nevakawanda vomunyika yedu. Chii dambudziko - rakadzika nenhanho mubhadharo kana nekusagona zvakarurama kuparadzira pachavo mari? Tichaedza kufunga sei kuita musha nyaya uye kudzidza kudzora mari dzemhuri.
Zvayakanakira mhuri zvemari kuronga
Pakutanga, pachedu mari zvakanaka ingaita hakunakidzi uye purogiramu basa. Nguva kuunganidza pakutengeserana zvose uye chinyorwa mari - zviri kujairika vaya vakanga kumbofunga nezvenyaya yavo mari. Asi chokwadi, kuronga mari - ndiwo musimboti isimbe uye kubudirira. Kutanga kunyora yavanowana uye mari, unogona kukurumidza kuwana mhinduro yomubvunzo wokuti: "kupi mari kuenda?". A zviine musoro kuparadzirwa zvinhu uye mari kuchakubatsira kuchengetera huru kutenga, uye kuchibhadhara. Home bhajeti - zviri nyore nokuronga ose zvemari chokushandisa. Inogona kukubatsira kudzidza kuisa parutivi mari kusiya kwatangwa kutenga uye vawane rusununguko zvemari. How kuita musha nhoroondo zvakarurama uye zvakanaka?
Common dzakasiyana dzesangano remhuri bhajeti
Zvinonyanyozivikanwa vatatu siyana dzemhuri bhajeti. Izvi zvinowanzoitika, ubatanidzwewo zvakafanana kana kuparadzana bhajeti. The klassiske shanduro kuparadzirwa mari mumhuri dzakawanda munyika yedu - imwe mari mhuri nevakawanda. ino yokuti zvose kuwana mari inochengetwa mumwe vakaroorana, uyo anonziwo anoita kuti kuparadzirwa kwavo uye mari. Kakawanda, apo sangano Rinotarisira bhajeti mari mukadzi. The chikuru zvakaipira nezvechisarudzo ichi - zvakawedzera basa zvemari (nokuti yavaive mari) mumwe kuwanana. Muchiitiko chino, vakawanda zvikuru nhengo dzeimba mabasa kunogara pamapfudzi uyo anodzora mari runoyerera. Separate bhajeti iri kazhinji anosarudzwa vaduku vakaroorana. Muchiitiko chino, mumwe nomumwe vawanani kutarisira zvavo pachavo mari, saka ichibudisa chikamu zvavo zvavanoda. Ipfungwa yakanaka, asi chete kana vaviri murume nomudzimai vanoshanda uye vachiwana mari. The inonyanya democratic chimiro mhuri bhajeti: chikamu nhamba. Pane akasiyana miviri nayo. Muchiitiko chokutanga, vakawanda vakaroorana vaiwana mari achiumbwa vanhuwo mari ukapisa maererano zvinodiwa nemhuri. Panguva iyoyowo, mumwe nomumwe mari panyaya utariri zvakakwana. Kana yechipiri, zvinokosha pamba nguva yakawanda mari yacho kuwanana. Inowanikwa chechipiri peya zvekushandisa (ezasi mibairo) vari rakachengetedzwa. Both nzira chaizvo yakakodzera sepokutangira inzwi zvemari kuronga. Sei kuitisa Zvidavirire pamusoro ndiani kudzora mari mumhuri? Mhinduro yomubvunzo uyu, hangaiwa nomumwe anofanira kuwana woga. Zvose pamusoro mhuri bhajeti kunogamuchirika uye vane kodzero iripo.
pachako mari Ezvemutauro
How kuita kumba nyaya: mukabhuku, mune purogiramu kombiyuta kana kwavo pachavo smartphone? Zvose zvinoenderana mararamiro ako uye zvatinoda. Classic nemanyorerwo - Ledger. Izvi nebhuku rokunyorera, nebhuku rokunyorera kana bhuku padanga, pasi pre-metered huwandu zvekushandisa. Kupera muna iyi, bhajeti muruoko. Unofanira matanga (yamunenge kushandisa zviviri mavara). Zvinobatsira kuchengeta ledger vako karukureta nokuda nyore uye nokukurumidza Masvomhu. An nzira kuita kuti kumhanya pamba bhajeti kuchaita kukumbira mafeni zvigadzirwa mapepa. inozivikanwa chirongwa The Microsoft Office Excel chakagadzirirwa zvakananga kushanda pamatafura. Tenzi hazvivanetsi, kunyange mano kombiyuta user. Sei kuitisa rokuzvidavirira kuna Excel, pane dzimwe nuances? Kwete, sezvachiri sezviri pepa notibhuku - iwe chete vanofanira tafura yakakodzera kukura kusika. Nhasi private emari varonga inopisa musoro. Kana achida, nyore kuwana anokosha zvikumbiro hrs uye smartphones, uyewo mabasa paIndaneti dzakagadzirirwa kuchengetedza imba bhajeti. vanozvishandisa zhinji vanoita kusimba panokwanisika. Kazhinji, zvirongwa izvi zvechokwadi zvakanaka kuwedzererwa muchimiro kutenga mazita, zviyeuchidzo, zvaitika nokupfupikisa mwedzi.
Basic mitemo mhuri bhajeti
Zvaunofanira kuziva pamusoro nekurangarira kuti vabudirire nokushandisa zvarinotaura muupenyu hwezuva nezuva? Utongi rokutanga - kakawanda. Chinyorwa mari zvose nguva dzose. Haasi mumwe nomumwe wedu ane mukana zadza mari pamatafura daily. Zvisinei, kanenge kamwe ichi ngazviitwe 2 pamazuva. Kana iwe chengeta zvinyorwa zvishoma kazhinji, ungangova kukanganwa chikamu chinokosha pamusoro incidentals. Financial ekuronga nyanzvi dzinokurudzira kuti vasarasikirwe kunyange chete zvizere. Kazhinji, izvi "diki" mari akaita abhadhare mabhazi, aizikirimu uye kofi panzira kumba vanoumba chinokosha chikamu chipi zvekushandisa.
How kupedza chikamu mari?
Chikamu chokutanga uye zvikuru zvinokosha yemhuri bhajeti - ndiko mari mhuri. It anonyora mari zvose nokugamuchirwa dzemhuri. It mubayiro, magariro makomborero, mubereko upfumi. Usakanganwa pamusoro imwe-nguva mari. Premium zvipo zvemari oga, kunyora muripo sezvo zvakakodzera. Kunyange kana iwe akakunda rotari kana netsaona akawana bhiri mumugwagwa, iva nechokwadi kuti katsamba uwandu kugamuchirwa mari muchikamu. Zvakaratidza kuti zvinyorwa zvose mari inogona rakakamurwa yakatsiga uye non-inodzokororwa. Zvechokwadi, muna kuronga mari rinofanira kubva muchikwata rokutanga.
The chikuru zvinoshandiswa zvekushandisa
Rinonyatsooneka chinhu pamusoro zvekushandisa - ichi pamwedzi kubhadhara. Ose rakazvimirira munhu akabhadharira pamwedzi Magetsi nemvura, internet uye nvidia, dzidzo. Kazhinji ndiwo wakaiswa chitsama. Kana tikaita musha ndizvidavirire zvose dzose pamwedzi kubhadhara vanogona kubatwa chete mbiru. Vanhu vazhinji ano vanopedza pachavo mari uye zvimwe dzidzo kana nokuzvidzora kukura. Kana kwete kupinda chikamu rendi chipeto mutengo ari gym centre kana kosi mutauro? Kana mari idzi hapana anopfuura 3 zvinzvimbo, zvine musoro kunyora navo chete chikamu. With hombe vanoverengeka mabasa anobhadharwa edzidzo zvine musoro kuti dzinoashandura ari oga mbiru. Zvichitevera chaizvo chikamu mhuri bhajeti - zviri zvokudya. zvikuru zvose sei kuva mbiru iri tafura, sei kuti kuitisa rokuzvidavirira zvakanaka? Zvose zvinoenderana nezvinodiwa uye tsika dzemhuri. Mureza zvinhu zvakawanda zvekushandisa: imba, mbatya, imba mishonga, mishonga, varaidzo, pamabasa okuzvifadza, zvipo. Kana mhuri ine vana kana dzinovaraidza, nokuti mumwe nomumwe wavo Zvinogonekawo kuti govera yoga Chikamu zvekushandisa a. How zvikamu zvakawanda zvinofanira bhajeti yenyu, uchaona rekukwazisa kutanga mashoko ake. Musakanganwa kuita mbiru "Other". Zvichava zvinoita zvose kukanganwa mari uyewo mari kuti hazvigoni kusarudzwa kupatsanura.
Kana mhuri bhajeti kuchaita wekuita?
Enough kunyora pasi kuti 1-2 mwedzi ishandise uye uchakwanisa kunzwisisa kupi kusiya mari mumhuri yako. Most vomunyika yedu, mukusaziva chokuita epamba upfumi, nechivimbo chete anogona kunzi mubatanidzwa pamwedzi kubhadhara. Uye ichi ndicho mashoko anokosha nokuda kuongorora. Kana utility mari uye zvimwe fanira pamwedzi mipiro kupfuura hafu mhuri mari, zviri mukana kufunga kuwana chikamu-nguva basa kana kuchinja chikuru kubasa. Muzviitiko apo zvisingaiti, unofanira kuedza kuti ape kwaanoita. Nokuti Mapoka mazhinji vanobatsirwa yakapa evanhu discounts pamusoro utilities uye dzidzo yevana. Ivai nechokwadi kuti Chokwadi bhajeti zvabuda uye kuongorora rationality kuti mari. Unotoziva kuti kuitisa kuti ndizvidavirire. PC software, zvakagadzirirwa kudzora pachedu mari, anogona kufunga zvose Data akapinda mune zvoga nzira. Kana uri uchityaira musha bhajeti mukabhuku, uchafanira kushandisa karukureta.
Misimboti kodzera upfumi
Kuchengeta musha chizvidavirire kuchaita kuti nokungwaririra chokuita mari. How kuponesa pasina vachibayira huri upenyu? Mumwe guru zvinoshandiswa zvekushandisa - uku chikafu. Save zvokudya zvinogona chaizvoizvo, kana nokusingaperi mberi ari anenge menu uye zvitoro mazita. Enzanisa mitengo dzakasiyana muzvitoro, vatenge pamusoro Wholesale zvigadziko. Not zvakaipa unogona kuponesa pamusoro kutenga mbatya, kushanyira nemwaka rokutengesa uye kusarudza zvinhu zvekare kuunganidza. Edza kusiya zvavasingagoni kutenga, edza kuronga pachine mumwe nomumwe rwendo kuchitoro.
How kuita musha nyaya mukabhuku: mharidzo zvekupfakira
Tinopa iwe muenzaniso template kuitisa musha zvemari papepa. Unogona kuswedera mu ledger ake akadai tafura kana zvishoma kuti kuzvishandura. Maererano nedzimwe nyanzvi, zviri zvikuru zvakakunakira varonge yatarwa nyaya muchimiro kutwasuka neshongwe mari uye muzadze pavo kwema zvemari. Uyu unongova mumwe zvokusarudza, sei kuti kuitisa zvemari mukabhuku. Muenzaniso uri panotangira ndima iyi, ndiyo yakanakisisa akakodzera kuti mhuri kana munhu wechidiki wacho mari kuronga. Kana bhajeti iri vakaroorana vane mwana mumwechete, hunyambiri urongwa mbiru chinonyanya kukosha.
mhedziso
Takaedza napo kuudza zvose chii chinoumba musha bookkeeping. Sei kutungamirira muenzaniso mharidzo tafura dzakasiyana dzesangano mhuri bhajeti - zvose anounzwa kwataita. Pamwe inguva kutanga kunyora mari zvose uye mari iye zvino?