Mari ndechimwe chezvakagadzirwa nevanhu zvinonetsa. Ndivo zvimwe zvezvikonzero zvikuru zvekurambana nekupopotedzana. Kune vakawanda vakaroorana vane zvido zvakafanana uye tsika dzakafanana, ichi ndicho chigumbuso chega. Chipangamazano wezvemari Andy Bracken anopa matipi gumi ekuti ungatungamira sei hukama hwemari nemumwe wako munzira ine runyararo.
Kurukurai njodzi. Varume vane tsika vanowanzorerekera kune njodzi mari inovimbisa mibairo mikuru: semuenzaniso, ivo vanowanzo tamba masheya. Vakadzi, semutemo, vanonyanya kushanda kupfuura vavakaroorana navo, vanosarudza mari yakachengeteka - vanonyanya kusununguka kuvhura account yekubhangi. Usati wakurukura mikana chaiyo yekudyara, tsvaga kubvumirana pane nyaya yekuchengeteka.
Kamwe uye zvachose, gadzira chimiro chakafanana maererano nedzidzo yevana. Kukakavadzana nguva dzose pamusoro pekuti vana vachadzidza muchikoro chega kana chehurumende, uye kunyanya, kutamiswa kwevadyi venhaka kubva kune chimwe chikoro kuenda kune imwe mutoro wakawandisa kune hurongwa hwemagetsi uye bhajeti.
Pinda mutsika yekuvhura maemail zuva raunoagamuchira., uye kurukurai mabhiri ese nemudiwa. Mavuropu asina kuvhurwa anogona kutungamirira kumari, mhosva uye, semugumisiro, kukakavara.
Sarudzai pamari yepamwedzi iyo mumwe nemumwe wenyu anogona kushandisa sezvamunoona zvakakodzera. Sezvineiwo, unogona kunge uine akabatana maakaundi ekutanga mari uye savings, uye debit makadhi e "homwe" mari.
Chengetedza marisiti emari uye mari inoshandiswa. Kutevedzera rairo iri kuchakubatsira kudzivirira kukakavara kwakawanda kwemari - haugone kupokana nemasvomhu! Zvisinei, vakaroorana vakawanda vanoramba nechisimbwa kudzora ndyiko dzavo, uye ikoku kwakaomera varume zvikurukuru.
Nzira yakanakisa yekunzwisisa kana uchikwanisa kubhadhara dzimwe mari ndeyekuongorora mari yako yemwedzi nemwedzi, kuona kuti ndezvipi zvinosungirwa, uye kuverenga chikamu chemari yaunogona kurasa wakasununguka.
Dzira. Kana iwe uchiwanzo kushandisa mari yakawanda kupfuura yaunokwanisa kutenga, gadzira "yakachengeteka" account iyo inobata mari inodiwa kubhadhara mutero, zvekushandisa, inishuwarenzi ...
Zvakadini kana mumwe wenyu achida kurarama iye zvino uye kubhadhara gare gare, uye mumwe ane chokwadi chokuti anoda «financial pillow»?
Iva akajeka pamusoro pezvishuwo zvako musati matanga kugara mese. Zvingaita sezvisina rudo kuti iwe utaure nezvemari pakutanga kwehupenyu hwako pamwe chete, asi usati wakurukura nhamba yevana venguva yemberi uye chikwereti, udza mumwe wako pamusoro pezvaunotanga muupenyu.
Chii chinonyanya kukosha kwauri: kugadzirisa denga razvino munyika kana kutenga motokari itsva? Wagadzirira here kufamba nechikwereti? Zvakadini kana mumwe wenyu achifunga kuti zvakanaka kurarama iye zvino uye kubhadhara gare gare, uye mumwe ane chokwadi chokuti anoda "cushion yemari"?
Taura nezvezvirongwa zvako zvekurega basa pachine nguva. Kazhinji, vakaroorana vakambogadzirisa zvine rugare nyaya dzemari vanotanga hondo chaiyo mukurega basa. Pakutanga, havana kupedza nguva yakawanda vari pamwe chete, asi iye zvino vava kumanikidzwa kuonana nguva dzose.
Pakarepo zvinoitika kuti mumwe mudiwa anoda kushingairira kushandisa: kufamba, kuenda kumaresitorendi, dziva rekushambira uye kirabhu yekusimbisa muviri, nepo mumwe wacho achida kuchengetedza zuva rekunaya uye kupedza nguva yake yese yemahara pamberi peTV.
Ronga chikwereti chako. Kana upenyu hwakakura nenzira yokuti une chikwereti chikuru, chinhu chakaipisisa chaunogona kuita ndechokutiza vakweretesi. Kufarira pachikwereti kuchakwira, uye pfuma yako inogona kutorwa. Rongedza dambudziko nekukurumidza sezvinobvira: kurukura nemukweretesi mukana wekugadzirisa chikwereti kana kuchidzosera nemidziyo iripo. Dzimwe nguva zvinobhadhara kubvunza chipangamazano wezvemari.
Tauriranai. Kutaura pamusoro pemari nguva dzose—somuenzaniso kamwe pavhiki—kuchabetsera kujekesa nhau dzezvemari dzazvino uno uye kuva kudzivirira kunobudirira kwokupopotedzana pamusoro pemari.
Nezve munyori: Andy Bracken mupi wemazano wezvemari.