Zvakavanzika zvekubhadhara zvikwereti zvako

Kana uine zvikwereti zvakawanda zvakaunganidzwa, hausi wega. Nekuda kwedambudziko re Covid-19, vanhu vakawanda vakarasikirwa nemabasa uye vava nechikwereti chakawanda kupfuura kare. Muchokwadi, chikwereti chinogona kuparadza zviroto zvako zvemari uye hupenyu hwako pachako.. Pasinei nokuti une mari shoma pakadhi rako rechikwereti mwedzi woga woga kana kuti unotarisana negomo rezvisungo zvemari, chikwereti chinokutadzisa kufambira mberi.

Kubhadhara zvikwereti uye zvikwereti zvinoda kuzvipira, kutsunga uye kutsungirira. Heano mamwe matipi akangwara ekukubatsira kubvisa chikwereti chako nekukurumidza.

10 matipi nokuda kwekudzorera

1. Rega kushandisa makadhi echikwereti

Kana uri kufunga nezvekubhadhara zvikwereti zvako nekukurumidza sezvinobvira, tanga nechikwereti chako. kadhi rechikwereti. Kazhinji makadhi echikwereti anotakura mibairo yepamusorosoro uye inogona kutumira chiyero chako kutenderera kunze kwekutonga.

Danho rekutanga kurega kushandisa makadhi ako echikwereti zvachose. Paunotsvedza zvakanyanya, kunyanya kuenzana kunokwira. Kunyangwe ukaramba uchishandisa kadhi rako, dzivisa kuvimba nezvinogoneka sekukwanisa kutora mari yekumberi.

Kusiyana nekutora mari kubva kuakaundi yako yekubhangi kuburikidza nekadhi rechikwereti, kadhi rechikwereti mari yepamberi inowanzokubhadharira mari yakawanda yekumberi uye nechikwereti chakakwira. Uyezve, machaji emubereko anotanga kuungana nekukasira, kazhinji kubva pazuva raunotora chikwereti.

Une dambudziko rekurega kuenda? Edza chaizvo kuomesa makadhi mukapu yeaizi. Nenguva yaunokwanisa kuiwana zvakare, ndinovimba unenge wachinja pfungwa dzako nezvekushandisa.

2. Bhadhara sezvaunokwanisa mwedzi wega wega

Nzira yekubhadhara chikwereti nokukurumidza inosanganisira masvomhu akareruka. Kana iwe uchibhadhara zvakanyanya, iwe uchakurumidza kusunungurwa kubva pane zvaunosungirwa. Usangobhadhara mari shoma pazuva rega rega, kana kuti zvinokutora zvachose. Ehe, kugadzira homwe yekukurumidzira kunofanirwa kuve chinhu chekutanga.

Asi kana wasvika pachinangwa ichocho, shandisa mari yose yaunayo kubhadhara chikwereti chekadhi kana zvikwereti zvevadzidzi. Kana iwe uchibhadhara zvakanyanya, iwe uchakurumidza kusunungurwa kubva pane zvaunosungirwa.

Wakachengeta mari muchitoro chegirosari nekuunganidza makuponi pakutengesa? Shandisa mari yakachengetwa kubhadhara zvikwereti zvako. Wakashanda ovhataimu svondo rapfuura here? Isa mari yakawedzerwa kune chikwereti chako.

3. Bhadhara zvikwereti zvako murkuderedza mari yako

Zviri nyore kutaura pane kuita, asiri ? Nhanho yekutanga yekudzikisa mari yako ndeyekuziva chaizvo kuti mari yako iri kuenda kupi mwedzi wega wega. Zvibvunze kuti: Unoshandisa mari yako zvikurukuru pazvinhu zvaunoda kana kuti pazvinhu zvaunongoda here?

Nyora pasi mari yako uye ugovane muzvikamu zviviri. Zviripachena, mari inoshandiswa semvura, magetsi, gasi, kana mari yechikoro yevana vako inofanira kunge iri mukoramu yezvinodiwa, nepo cable TV, rwendo rwako rwekuzorora runotevera, kofi yako Daily Starbucks kana kudya kwako kwemanheru paresitorendi yaunofarira yekuItaly inofanira kunyorwa muchikamu chechipiri. .

Chekutanga, ziva maitiro ako akanyanya kukoshesa uye tsvaga nzira dzekudzidzikisa kana kudzibvisa zvachose. Zvadaro, zvishoma nezvishoma asi zvechokwadi, tsvaga nzira dzekudzikisa mari yako yese, kunyangwe idzo dzaunoona sezvinodiwa.

Semuenzaniso: Wakambofananidza mareti esevhisi efoni kubva kune vakasiyana vanopa kuti uwane inodhura zvakanyanya? Iko kuchengetwa kunozounganidza nekufamba kwenguva kuchakubatsira iwe kubuda muchikwereti nekukurumidza.

Nyatsotarisa kuti mari yako iri kuenda kupi uye paradzanisa zvinodiwa nezvinongodiwa chete. Dzivisa kushanya kwemazuva ese kucafe yemuno kana yako yaunofarira masikati nzvimbo. Nokufamba kwenguva, izvi zvakachengetwa zvinogona kuwedzera. Vashandise kuchera gomba nekukurumidza kupfuura zvaitarisirwa.

Kana uri kunetseka kuziva kuti ndedzipi mari dzaunogona kuderedza, tanga nekugadzirisa bhajeti. Shandisa software yakadai Unoda Budget kuti ikubatsire kutsanangura zvaunokoshesa kushandisa mari.

Sevhisi yakadai billcutterz inogona kukubatsira kutaurirana mabhiriro epamwedzi akaderera uye kusunungura mari yakawanda kuti utore chikwereti.

4. Kaviri mari yako

Makorokoto kana wakabhadhara kadhi rechikwereti rimwe chete! Nekudaro, kuzadzisa chinangwa ichocho hazvireve kuti inguva yepati. Rambai muchienderera mberi nekugovera mari dzakabhadharwa kuchikwereti ichi izvo zvave kusunungurwa kuti mubhadhare pamutsetse unotevera.

Kadhi rechikwereti, kana rakashandiswa zvine hungwaru, inzira huru yekuvaka chikwereti, kukubatsira kusangana nemari yausingatarisire, uye kunyange mari yebhizinesi rako.

Asi iwe unofanirwa kuita zvese zvaunogona kuti ubhadhare kadhi rako rechikwereti zvizere mwedzi wega wega. Kuti ujairane nekuchengetedza chiyero chakaderera, shandisa kadhi rako rechikwereti sekunge kadhi rekubhengi, uchigadzira muripo wega wega kuti ubhadhare chikamu chako mwedzi wega wega.

5. Shandisa zvibvumirano kubhadhara kutengesa

Kana iwe ukawana kamwe kamwe mhepo, sekubhadhara mutero kana bhonasi kubasa, usaparadze pairi. Pane kudaro, ruma bullet uye shandisa imwe yemari kubhadhara chikwereti.

Imwe yenzira dzechokwadi dzekubhadhara chikwereti chako nekukurumidza ndeye kushandisa mari yaunowana usingatarisire. Somuenzaniso, paunogamuchira bhonasi yebasa yebasa rakasiyana kana rekuvhara dhiri rakakosha. Makambani mazhinji anopa mabhonasi pakati pegore nepaKisimusi.

Wawedzerwa muhoro here? Ipa imwe mari mwedzi wega wega kuti ubhadhare chikwereti chako. Kana iwe uine bhizinesi rako pachako, chikomborero chinogona kunge chiri chako chekudzosera mutero kana zvidzikiso zvekusimudzira zvaunogamuchira kubva kune vaunoshanda navo. Muchidimbu, pese paunenge uine imwe sosi yekuwana mari, usarase pane zvaunoda uye ushandise iyo kubhadhara chikwereti chako.

6. Freelance kuti uwane mari yakawedzerwa

Paunenge uchitsvaga kubhadhara chikwereti nekukurumidza, usatarise zvakanyanya pakuchengetedza mari. Dzimwe nguva mhinduro inokurumidza ndeyekuwana mari yakawanda. Edza ruoko rwako pa freelancing kuti uwane mamwe madhora ekuwedzera.

Mune zvimwe zviitiko, unogona kukwanisa kuunza mari yakawanda, iyo yose inofanira kupinda muhomwe yekubhadhara chikwereti. Tarisa misika yemafreelancers seFiverr, kana funga kushandisa mota yako kuwana mari nekutyaira sevhisi yekutumira sePostmates.

7. Tanga wagadzirisa zvikwereti zvine mubereko wepamusoro

Kunyangwe vamwe vachipika kuti nzira yakanakisa yekubhadhara chikwereti inzira yechikwereti cheSnowball - iyo inoratidza kuti iwe unobhadhara zvikwereti nemabharanzi akaderera kutanga kuvaka simba - zvinoita kuti mari iwedzere kuti abvise zvikwereti izvozvo nemhindu yepamusorosoro kutanga. THE chinangwa chikuru ndechekubhadhara chikwereti nekukurumidzat, zvisinei, sarudzo ndeyako.

8. Ita bhajeti yako

Kana iwe wakaverenga kusvika ikozvino, uri kutora kubhadhara chikwereti chako nekukurumidza zvakanyanya. Imwe yenzira dzakanakisa dzaungatora kugadzira bhajeti rakareruka, zviri nyore uye zviri nyore.

Bhajeti inodarika kupatsanura kutenga kwako pamwedzi mune zvaunoda uye zvaunoda, sezvakakurukurwa pakutanga. Bhajeti yakanyorwa ichakubatsira kunyatsoongorora kuti mari yako iri kuenda kupi mwedzi wega wega uye kukupa hurongwa hwekushandisa mari gore rese.

Iwe unozokwanisa kuona zviri nyore chinangwa chako (munyaya yako, kugovera mari yakawanda kubhadhara zvikwereti zvako kudzamara wazvibhadhara zvachose) uye kwete kutsauka kubva pachinangwa ichi. Tarisa chinyorwa ichi che ziva kuronga bhajeti yako.

9. Bvuma dambudziko racho nemafungiro akanaka

Chokwadi ndechekuti haufanirwe kusiya zvinhu zvakanakisa muhupenyu kunyangwe wakazvipira kubhadhara zvikwereti zvako nekukurumidza. Usatarisana nedambudziko iri sechibayiro. Svika nayo seshanduko yakanaka mumararamiro ako uye maitiro akaipa ekare.

Izvi zvinogona kutungamirira kuhutano hwakanaka, huri pakati nepakati. Iwe uri nhengo yejimu inodhura here? Kanzura kunyorera kwako uye tamba mitambo mupaki kana kunze.

Iwe unowanzoenda kunodya kunze kwekupera kwevhiki kuresitorendi yemhando yepamusoro here? Dzidza kubika maresiphi aunofarira kumba. Mabhegi neshangu dzevagadziri ndizvo zvaunoda here? Iwe unogona kuwana zvinhu zvakafanana zvakanyanya pamhepo nemitengo mikuru. Kunyanya chikonzero chekumira.

Izvi zvinogadziriswa hazvizove nemigumisiro yakanaka pahutano hwako, asiwo pachikwama chako. Iwe uchashamisika kuti imarii yaunogona kuchengetedza kubhadhara chikwereti chako nekukurumidza.

10. Tengesa zvese zvausingade

Vazhinji vedu tinochengeta zvinhu zvatisingawanzo shandisa. Zvimwe zvinhu zvausingachashandisi zvingave zvakakosha - edza kuzvitengesa. Iwe unogona kushandisa mari yakaunganidzwa kubhadhara chikwereti chako nekukurumidza.

Iyo yakajairwa kutengeswa kwegaraji ndeimwe yedzachipa uye dziri nyore nzira dzekutengesa zvinhu zvauri kuda kubvisa, kana iwe unogona kuzviita online: eBay, Craigslist, Etsy kana LetGo ndedzimwe dzeanonyanya kufarirwa mapuratifomu echinangwa ichi.

Muchidimbu…

Aya matipi gumi akatoshanda kune vakawanda vari mumamiriro akafanana neako. Kana uchifunga kuti chikwereti chiri kukukurira, funga kuti hakusi kuguma kwenyika uye kuti chinhu chiri chose chine chigadzikiso.

Iwe unofanirwa kuve neushingi hwekusvika uye kuongorora mamiriro ako chaiwo, uye kushandisa matekiniki anokunakira iwe pakati peakataurwa pano. Kubhadhara zvikwereti zvako zvingada kuti iwe uite mamwe mararamiro ekuchinja, asi hazvifaniri kunge zvichiodza mwoyo.

Kana iwe uchinetseka kujairana nemamiriro matsva, ita shanduko zvishoma nezvishoma kuitira kuti maitiro asanyanya kuwanda.

Nezvese zvinokunetsa, ndisiye mhinduro.