1 mazano emari kune vachangoroorana

Kutanga hupenyu hutsva sevachangobva kuchata zvinoreva kusanganisa nyika dzako, uye izvo zvinosanganisira mari yako. Kutaura pamusoro pemari yako kungave kusiri iyo yakanyanya kufambidzana nhaurirano yekutanga, asi inyaya yakakosha kuva nayo. Ndosaka iKuwana mazano ezvemari akanakisisa kune vachangoroorana kwakakosha izvo zvichakubatsira iwe kubata mari yako nenzira yakanyanya kunaka.

Kunyange dai manga muchitogara mese musati maroorana, mashandisiro emari enyu anozochinja kana mava vadyidzani vepamutemo. Zvingave zvakaoma kutaura nezvenyaya idzi dzemari pakutanga, asi zvinovandudza yako unyanzvi hwokukurukura uye ichadzivisa kusanzwisisana kupi nokupi kwezvemari munguva yemberi.

Pamusoro pezvo, kushanda sechikwata nemari yako kunosimbisa hukama hwako nekukubatsira svikai pazvinangwa zvenyu zvemari pamwe chete ! Muchinyorwa chino, neruzivo rwangu semuchata, ndinogovana newe mamwe matipi ekukubatsira kubata mari yako kana uchangobva kuchata.

handeyi

🥀 Sei kutonga kwemari kwakakosha semurume nemukadzi?

Kutarisira mari mukati mevaviri kwakakosha zvakanyanya pakugadzikana uye kuwirirana kwehukama. Chokwadi, mabatiro anoita mari nevanodyidzana nawo anogona kukanganisa zvakanyanya pamari yavo, kugara zvakanaka mupfungwa, uye kunyange kureba kwehukama hwavo.

Kudzivisa Kusawirirana Kwemari

Imwe yemabhenefiti makuru ekutonga kwemari kunoshanda sevakaroora ndeye kudzivirira kukakavara zvakabatanidzwa nemari. Kusawirirana pamusoro pekushandisa mari, zvikwereti uye zvinangwa zvemari zvinogona kukurumidza kukanganisa ukama. Nekutanga kutaurirana kwakavhurika uye kushanda pamwechete kugadzira hurongwa hwemari, vakaroorana vanogona kudzivirira mazhinji emakakatanwa aya uye kusimbisa hukama hwavo.

Kuona kugadzikana kwemari kwemhuri

Kutarisira zvakanaka kwemari kunobatsirawo kuona kugadzikana kwemhuri. Nokuronga bhajeti, kuchengetera zvinhu zvisingatarisirwi, uye kuisa mari mune remangwana, vakaroorana vanogona kurarama zviri nani nemamiriro ezvinhu omuupenyu uye kudzivisa kunetseka zvemari kusiri madikanwa.

Ita kuti kubudirira kwezvinangwa zvakafanana

Kungave kutenga imba, kuronga rwendo kana kugadzirira kuenda pamudyandigere, kutonga kwakanaka kwemari kunobatsira vakaroorana kuzadzisa zvinangwa zvavo zvavanogovana. Nekushanda pamwe chete kuti vabudirire pazvinhanho zvemari izvi, vanodyidzana vanosimbisa kubatana kwavo uye kusimbisa kuzvipira kwavo vese.

Simbisa kuvimba uye kubuda pachena muhukama

Chekupedzisira, kutonga kwemari kwakajeka uye kwakanaka kunosimbisa kuvimbana mukati mevaviri. Nekugovana mabasa emari uye kuva akatendeseka pamusoro penyaya dzemari, vadyidzani vanovaka kuvimbana kunotekeshera zvakanaka mumativi ese ehukama hwavo.

🥀 10 mazano emari kune vachangoroorana

Usarega nyaya dzemari yako dzichikukanganisa muhukama hwako. Heano mazano gumi evachangobva kuchata kuti vachengetedze mari dzavo!

1. Taura nezvenhoroondo yemari yemhuri yako

Kukurukura nezvenhoroondo yezvemari yemhuri nderimwe remazano akakosha aungaite kana wakaroora. Kutaura nezve nhoroondo yemhuri yako nemari inzira yakanaka yekuvhura nhaurirano nezvemari yewanano yenyu.

Ratidza kuti vabereki vako vakabata sei mari, zvawakadzidza kwavari Zvemari zvekare uye kuti vakakudzidzisa sei kuchengetedza kana kushandisa mari inogona kubatsira kune vakaroorana.

Inogona zvakare kukubatsira kuona kana iwe wakagara nhaka kusachengeteka kwemari kana uine chero mari blockages yaunoda kushanda pairi. Nenzira iyi, iwe unogona kutaura navo sechikwata uye kushanda kune kubudirira kwemari!

2. Joint bank account yevachangobva kuchata

Paunosarudza kuvhura a joint bank account sevachangobva kuchata, uchafanirwa kushanyira bhangi raunosarudza. Wasvika ipapo, uchafanirwa kuunza zvitupa zvako, humbowo hwekero uye pamwe chitupa chemuchato kuti upedze kuvhura account.

Izvo zvakakosha kuti utaure nezve hurongwa hwekutarisira account newawakaroora, semvumo yekubvisa, mabasa emari, uye madhipoziti uye kubvisa zvichaitwa. Nekumisikidza zvakajeka aya mazwi kubva pakutanga, unogona kudzivirira kusanzwisisana uye kubata mari yako nemazvo semurume nemukadzi.

Kuvhura account yebhangi yakabatana kunopa mukana wekurerutsa manejimendi emari kune vachangochata, nekuisa pakati pemari yemumba nemari. Izvi zvinogona kuita kuti zvive nyore kubhadhara mabhiri akabatanidzwa uye kuita mari pamwe chete. Pamusoro pezvo, account yakabatana inogona kusimbisa kujeka kwemari mukati mevaviri.

Nekudaro, izvi zvinorevawo kurasikirwa kwekuzvimirira kwemari, sezvo muridzi wega wega ane mukana wakaenzana wekuwana mari. Pamusoro pezvo, kana paine kusawirirana kana kupatsanurwa, kubata iyo account account kunogona kuita kuti pave nekunetsana. Saka zvakakosha kutaurirana zvakanaka uye kutsanangura mitemo yakajeka kubva pakutanga.

3. Gadzira bhajeti rakati

Kana mangoroorana uye muchigara mese, muchafanirwa kugadzira bhajeti remwedzi nemhuri semurume nemukadzi. Kutanga, sarudza mari yako yaunogovera pamwedzi.

Tevere, nyora rondedzero yemari yako senge mabhiri epamwedzi, varaidzo, Mortgages, inishuwarenzi, pamwe chete nezvikwereti nezvimwe zvikwereti. Kana uchinge wadzidza rondedzero iyi, bvisa mari isingakoshi.

Kuve nebhajeti zvese zvinokupa kunzwisisa kuri nani kwehuwandu hwaunoda kuunza pamwedzi uye kukubatsira kubata nechikwereti uye kudzivirira kushandisa zvakanyanya. Iri nderimwe remazano akanyanya kukosha kune vachangochata vakaroorana kuti vashandise kumari yako.

4. Gara uchikurukura newawakaroorana naye nezvemari yako

Mari yako yemuchato haifanire kutsvairwa pasi pegumbo. Mamiriro ezvinhu anosungirwa kushanduka panguva dzakasiyana muhupenyu hwenyu hwekuroorana. Saka pinda mutsika yekuongorora zvemari dzako pamwedzi kana bimonthly kuti uve nechokwadi chekuti unogara chokwadi. kune bhajeti yemhuri yako.

Zano redu kune vachangochata nderekuti ive nhaurirano inofadza. Hongu, mari inyaya yakakomba asi zviri nani kutaurirana zvakanaka. Pamwe ronga dhizeti fundraising hurukuro uye unakirwe nekeke rinonaka iwe uchitaura mari.

5. Iva akatendeseka pamusoro pechikwereti chako

Zano rewanano rinoshanda kune zvese zvehukama hwenyu ndeiyi: tendeseka kune wawakaroora kana kuroorwa. Izvi ndezvechokwadi kunyanya kana zvasvika pakutaura pamusoro pemari. Iwe haungade kuwedzeredza mari yaunowana, kana kunyepa pamusoro pehuwandu hwezvikwereti zvako.

Vakawanda vanoona chikwereti chinonyadzisa, asi chokwadi ndechokuti vanhu vakawanda vane chikwereti pane imwe nguva muupenyu hwavo. Inogona kunge iri zvikwereti zvemudzidzi, chikwereti chekadhi rechikwereti, remba, kana chikwereti chemotokari. Chero zvazvingava, udza mumwe wako nezvemari yaunokwereta musati maroorana.

Kana mangotaura nezvezvikwereti zvenyu pachena, itai chinangwa chenyu kuzvigadzirisa muri vaviri. Iwe unogona kunge usinganzwe sekuti ibasa rako kubhadhara chikwereti chawakawana wawakaroora usati wadanana.

Zvisinei, chikwereti chavo chinogona kuita kuti zvikuomere kuwana chikwereti kana kutenga imba pamwe chete. Zvakare, kana vangobatana neakaundi yako yekubhangi, iwe unova nemhosva yezvese zvikwereti zvakaitwa muwanano. Naizvozvo, unogona kuderedza zvikwereti zvako nekukurumidza kana iwe ukazviita pamwe chete.

Kungozvitaura sezvandangoita zvinoita kunge zviri nyore asi handizvo zvinogara zvakadaro. Saka, ndakafunga kugoverana newe premium yekudzidzira kosi yandakanga ndatenga painternet uye iyo yakandibatsira chaizvo nekukurumidza kubvisa zvikwereti zvangu makore maviri apfuura. Dzvanya pane iyi link kana iwe uchidawo kutenga kudzidziswa uku.

6. Gadzira homwe yekukurumidzira

Hauzombozvidembi kugadzira a homwe yechimbichimbi mushure mekuroorana. Iyi yakavharwa saving account inzira huru yekuisa mari parutivi kune emergency kana zviitiko zvisingatarisirwe. Somuenzaniso: kana ukarasikirwa nebasa rako, kana uchierekana uchitarisira mwana, kana denga richidonha, motokari inoputsika, uye ndandanda inopfuurira.

Gadzira a savings account mumazita ako ese uye isa otomatiki kutumira kuburikidza neako ekubhengi app yepamhepo kana kutenderedza mari muakaundi pamwedzi. Mari yekukurumidzira inokura zvishoma nezvishoma nekufamba kwenguva uye inokupa runyararo rwepfungwa kana paine dambudziko risingatarisirwe.

7. Usavanza mashandisiro aunoita mari

Dambudziko rinowanzoitika rinokonzera kusawirirana muwanano idambudziko rekushandisa zvakanyanya. Tichifunga kuti avhareji yeAmerica inoshandisa madhora zviuru zvinomwe nemazana mana pagore, hazvishamise.

Kushandisa mari yakawandisa kunogona kuunganidza chikwereti, kukonzera kusavimbana pakati pevakaroorana, uye kuratidza kushaikwa kwekuremekedzana mumba. Dzivisa matambudziko aya ehukama nekubvunza mudiwa wako usati watenga mahombe uye kuva pachena uye kutendeseka nezve mashandisiro aunoita mari.

8. Ronga Retirement uye Gadzira Estate Plan pamwechete

Imwe yemazano edu akanyanya kukosha kune vachangochata kuronga kwavo pamudyandigere pamwe chete. Kuenda pamudyandigere kuchava chikamu chikuru chewanano yako.

Ino ndiyo nguva yaunozorora, isa tsoka dzako kumusoro uye tanga kuva nenguva yakanaka pamwe chete. Unogona kuronga pamudyandigere wako nekugadzira maakaundi ekuchengetera mari.

Iwe unogona zvakare kutaura neachipangamazano wezvemari nezvekudyara uye kugadzira hurongwa hweimba sechikamu chehurongwa hwako hwekurega basa.

Izvo zvakakosha kusiyanisa mapotifolio ako kuti uvake zvinobudirira maakaundi ako ekurega basa. Kudzikamisa mari isingakoshi uye kuronga bhajeti zvinoenderana nehupenyu hwako hwese hwekushanda zvakare mazano makuru ekuronga pamudyandigere.

9. Gadzira zvinangwa zvemari sevanhu vachangoroorana

Imwe yeakanakisa matipi emari kune vachangochata kugadzira zvinangwa zvemari pamwechete. Kuve nezvinangwa zvinogona kukubatsira iwe kuzadzisa zviono zvako zvehupenyu hombe!

Paunenge uchiisa zvinangwa, yeuka kuzviita zvakananga uye zvinoyerika. Zvakanakawo kumisa zvinangwa zvenguva pfupi, yepakati uye yakareba.

Somuenzaniso, Zvinangwa zvenguva pfupi zvingave zvinhu zvakaita sekuchengetedza mazororo kana Kisimusi. Izvi zvinangwa zvinowanzova pakati pe12 ne24 mwedzi. Zvinangwa zvenguva yepakati zvinoda kuronga kwakawanda uye mari yakawanda kupfuura zvinangwa zvenguva pfupi. Semuenzaniso, kuchengetedza motokari kana kubhadhara mari paimba.

Zvinangwa zvenguva refu zvinotora kuronga kwakawanda uye kutsunga kuzadzisa. Zvinangwa izvi zvinosanganisira zvinhu zvakaita sekuchengetedza pamudyandigere kana kubhadhara imba yako yemba.

Saka, kugadzira zvibodzwa zvemari nderimwe remazano akakosha kune vachangochata anogona kukubatsira iwe kumisa chiono chehupenyu hwako pamwechete.

10. Ronga manheru emazuva anodhura

Rimwe remazano akanyanya kukosha kune vachangoroorana nderekutsvaga mafaro, erudo ekuita izvo zvisingakutse bhajeti rako. Zviri nyore kukweverwa mukubuda uye kunakidzwa, kudya kudya kwemanheru kunodhura uye kuenda kumabhaisikopo nguva dzose, asi zvinogona kukurumidza kudhura.

Nekudaro, zvakakosha kuisa parutivi nguva uye kuve nemazuva ehusiku aunogona kutora mukana nawo.

Kune matani emapati edzimba mazano kune vakaroorana pane bhajeti! Iwe unogona kuronga fondue, musangano we spa kana kugadzirira kudya pamwe chete. Kufara pamwe chete pasina kushandisa yakawandisa ndiro zano rakanakisa rekuchengetedza mari kune vachangochata.

🥀 Muchidimbu…

Imwe yeakanakisa matipi emari aunogona kutevera kana iwe uchangobva kuchata ndeyekugara wakatendeseka nezve zvikwereti zvako, mari yaunowana, uye bhajeti nhoroondo.

Nyaya dzemari dzewanano inyaya inobaya mwoyo, asi zvakakosha kuti mugare muchikurukura nemudiwa wako. Kukurukurirana chinhu chinokosha pakuroorana.

Aya matipi emari evachangoroorana anogona kukubatsira kuita bhajeti zviri nani, kugadzira zvinangwa, uye zvakanyanya kukosha, kuwana zvinhu zvinonakidza zvekuita pamwe chete. Wadii kutanga nekutora makosi edu emahara emari pamwechete kuti tishande takanangana nebudiriro yemari!

🥀FAQs

Ndezvipi zvakanakira kuvhura akaundi yebhangi yemubatanidzwa kune vachangoroorana?

Kuvhura account yekubhanga yakabatana kunorerutsa manejimendi emari, kunofambisa kubhadhara mari yemubatanidzwa uye kunosimbisa kujeka kwemari mukati mevaviri.

Ndeapi magwaro anowanzodiwa kuti uvhure akaundi yebhangi yakabatana?

Zvitupa, humbowo hwekero uye dzimwe nguva gwaro remuchato rinowanzodiwa pakuvhura account yekubhanga yakabatana.

Ndezvipi zvakashata zveakaundi yebhangi yakabatana?

Akaundi yebhangi yakabatana inogona kuguma nekurasikirwa kwekuzvimiririra mune zvemari uye, kana paine kusawirirana kana kupatsanurwa, kubata iyo account account kunogona kuita kuti pave nekunetsana.

Nzira yekudzivirira sei kukakavara kune mubatanidzwa webhangi account?

Kukurukurirana pachena, kugadza mitemo yakajeka kubva pakutanga, uye kutsanangura zvinangwa zvemari zvakagovaniswa zvakakosha kuti udzivise kusawirirana kunoenderana neakaundi yebhangi yakabatana.

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