Purogiramu yemari yega, kana Nzira yekusununguka kwezvinhu

Vashomanana vavo vane mafungiro echisikigo uye vanoda kuverenga. Vazhinji vedu pamashoko okuti "mari yekugadzirisa", "mari yekugadzirisa", "bhajeti" uye zvakadaro zvinotanga kusvetwa zvisina kufanira. Kutaura zvazviri, izvi zvose zvinoratidzika sezvisingabatsiri kana zvichitinetsa iwe pachako. Vanhu vazhinji vanoziva nemamiriro ezvinhu apo, vhiki imwe chete mushure mekugamuchira mubhadharo wemari, inoramba iri "chete" kusvikira kune imwe inotevera, uye vhiki imwe kana maviri gare gare inosvika yokuti ndiyo nguva yekutsvaga chikwereti kusvika kune imwe nguva yekubhadhara. Munhu wose anoziva kuti hapana mari yakawanda. Zvechokwadi, munhu wese ane zveshoko rake "mazhinji-zvishoma", asi iyi ihurukuro yakasiyana.

Hazvisiko kuti tive neuchenjeri hwose hwehupfumi kuitira kuti udzidze kuronga mari yako uye mari yako zvakakodzera. Zvichakadaro, ruzivo rwepamusoro uye unyanzvi munharaunda ino zvinogona kubatsira kumunhu wose, pasinei nehukuru hwemari uye yehutano hwemhuri. Kutungamirirwa kwemhuri yebhajheti kunogona kuenzanisirwa pamutengo wemitemo yakajeka, inoretically inozivikanwa kune vose. Kune vakawanda, ruzivo urwu runoramba ruine chikonzero nekuda kweuchenjeri kana kusatenda.

Nzira yekuita purogiramu yezvemari

Chokutanga pane zvose, tinoda kunzwisisa nekugadzirisa zvatinayo maererano nemari yekuwana uye mari. Vaya vanogamuchira mibairo yakawandisa kana isingapfuuri, nemari yekuwana ichagadzirisa nyore nyore. Asi kuti uone kuwanda kwemari inofanira kushanda zvakaoma. Zvinotanga kutanga kutora zvose zvaunoshandisa mubhuku rekodhadhi (kombiyuta faira, purogiramu yakasarudzwa, iyo yava kunyanya kuwanda - inosarudzo yekugadzirisa inosarudzwa nomumwe nomumwe kurara kwako). Izwi rinokosha mumutsara wekupedzisira ndeye Zvose, nokuti, mushure memwedzi, iwe uchashamiswa kuziva kuti mari yakawanda inobhururuka sei "pasina".

Mwedzi mumwe kana maviri scrupulous records, unogona kutanga chinonakidza-kuongorora. Iyi nguva inozara ne "zvizhinji zvinowanikwa" kunyange kune avo vasingafungi kushandisa mari. Zvakakosha kuongorora kwete zvinhu zvose zvekushandiswa, kuzvigadzirisa kwenguva yemberi, asiwo chiyero chemari uye mari. Ichi chikonzero chakanaka chokufunga: zvichida zviri nani kuedza kusasimbisa hupfumi, asi kuedza kuwana zvakawanda?

Mushure mokunge makanyatsoongorora zvinhu zvose, munofanirwa kugadzira hurongwa hwemari. Pano - rusununguko rwakakwana rwekugadzira, kuongorora, hongu, kuongorora kwakapfuura.

• Isu tinokwanisa chete kukurudzira kupa nyaya yakadai se "zvisingafanoonekwi mari", kuisa mukati maro zvinenge 10% zvekuwana. Zvakafanana mukugadzirisa - hupenyu hunogara huchikanda zvishamiso zvisingatarisirwi. Usavhiringidza mari iyi nehavha capsule yezuva remvura! Kana wakakwanisa kusashandisa mari yakatarwa kune zvisingafungidziriki, unogona kuchengeta zvachose - kunyanya kuisa iyo, kunyange iwe pachako chimwe chinhu chokupamba.
• Izvo chirongwa chezvemari chinotofanira kunge chine chinyorwa che "kuunganidza". Zvose nyanzvi mundima iyi dzakabatana mune iyoyo 10% inogona kuchengetedzwa zvakanaka, pasinei nehukuru hwekuwana mari, pasinei nokuti yakaita sei kuti bhanhire rakasimba harisisimbiswi. Uyezve, zvinonzwisisika kutumira idzi 10% kune imwe kambani yebhangi, kuitira kuti pasina muedzo wokushandisa. Munhu asina humwe huwandu hwemari shure kwemweya wake haagoni kuva nechivimbo kwete chete mangwana, asi nhasi.
• Kugadzira hurongwa hwezvemari, haufaniri kurega zvakanyanya kushandisa mari muhutano uye dzidzo. Izvi zvinogona kuonekwa sechipo kune ramangwana, nokuti munhu anorwara haakwanisi kuzviwanira zvakakwana ivo nevanoda, uye kuwedzera kudzidzira kunogona kupa zvimwe zvekuwana mari.
• Zvakakosha kunyatsofunga pamusoro pemaitiro ezvakanaka, "akarurama" ekuponesa, i.e. Pasina zvikuvadza iwe pachako. Iwe unogona kukwanisa kukwana mari nenzira dzakasiyana-siyana, somuenzaniso, kurongedza kutengesa kwepaIndaneti, sarudza mutengo wakanakisisa wekutengesa mafoni, digital TV, usazvidza zviito, kutengesa, kutora nzvimbo (pane zvakawanda zvavo zvino), nezvimwewo.
• Kana hurongwa hwako hwehupfumi hunosanganisira chinhu chakadai semidzanga, wedzera mari inowanikwa mumwedzi wegumi nembiri, uye zvino nehuwandu hwemakore aunoda kurarama. Unowana sei mugumisiro? Iwe uchiri kukwanisa kushandisa mari yakadaro kuti uone kuti nguva yawakapa yakanyanya kuderedzwa here? Kuzvidzivirira zvishoma pamari yavo pachake mari inosabhadharwa.
• Uye yekupedzisira. Mari inofanira kushanda. Kana pane chimwe chinhu chokuisa mari-ita (fungidzira zvakanaka-kupi), rega kufarira mubhangi idiki, asi kuchiri kwakanaka kuigamuchira. Izvo mari yakawanda inotendeuka, iyo inokurumidza kuunganidza. Usave wakakosha, asi rega kupwanya. Success!