Kugadzikana kwemari muupenyu hwemhuri hakubviri pasina kubatana uye kugoverana kwemabasa. Kana vana vasingazivi kuti vabereki vavo vanotambira marii uye vachida mari inopfuura yavanogona kubhadhara, izvi zvinogona kukonzera kukakavadzana kwemhuri. Zvakare, kana mari yemumwe wevakaroora ikakanganisa zvirongwa zvenguva refu zvemumwe, izvi zvinogona kutungamirira mukutonhodzwa kwemanzwiro avo. Ziva kuti basa rekugoverana mumari yemhuri rinogona kukubatsira sei kuwana nzira inonyanyoshanda yekuronga bhajeti yemhuri yako.
Nezve Kukosha Kwemutoro Wemari Muupenyu Hwemhuri
Mhuri yakanaka inogara sechikwata chakabatana, pamwe chete vachiisa zvinangwa zvemari zvenguva refu uye kutonga zvine hungwaru bhajeti remhuri. Asi chokwadi chinowanzova chakaipa, sezvo mutezo mumwe nomumwe wemhuri ungava nezvido zvomunhu oga zvinoda mari inopfuura bhajeti. Somugumisiro, dzimwe nhengo dzemhuri dzingaunganidza zvikwereti uye kunyange kukanganisa nhoroondo yavo yechikwereti. Zvechokwadi, kunyange mumamiriro ezvinhu akadaro, unogona kuwana payday zvikwereti online zvakaipa chikwereti. Zvisinei, zviri nani kunyatsoongorora mamiriro emari emhuri yako uye kudzidza maitiro ekugoverana mutoro.
Chii Chakagovaniswa Basa muMari Inosanganisira?
Hutungamiriri hunobudirira hwemari yemhuri hunofanirwa kuve hune musoro uye huchibva pakuongorora kwakakwana kwemari nemari. Zvisinei, mumhuri dzakawanda, kushandisa mari kunoitwa nokuzvidira, zvichienderana nezvido uye zvinodiwa. Edza kushandura maitiro emari asina kunaka aya nemaitiro anotevera ekugoverana mutoro.
Kukurukura Nyaya Dzemari
Vamwe vanhu vanofunga kuti kukurukura nyaya dzemari mumhuri kunoparadza manzwiro. Muchokwadi, izvi zvinosimudzira kunzwisisana kukuru uye mutoro wezvese kushandiswa. Sangana nemhuri yako panopera mwedzi kuti muongorore mashandisiro enyu emari, muone mashandisiro enyu emari, dzidzai kubva mukukanganisa kwenyu, uye moronga zvirongwa zvemwedzi unotevera.
Kubata Sarudzo-Kuita
Kana uri kuronga kutenga kukuru, sarudza imwe sarudzo pamwe chete nemhuri yose. Vamwe vangada kuchengetedza mari uye tenga imwe yakachipa kuitira kuti vashandise mari yacho kune chimwe chinhu.
Goverana Zvemari Mitoro
Mhuri yega yega inosungirwa kubhadhara, sekubhadhara zvikwereti, kubhadhara chikwereti, inishuwarenzi, nezvimwewo. Usarega nhengo yemhuri imwe chete ichibhadhara zvese izvi. Kunyangwe iwe ukasarudza kuronga bhajeti zvakasiyana, gadzira homwe yemubatanidzwa yemitengo yakadaro kuitira kuti nhengo dzese dzemhuri dzine mari dzibhadhare pamwe chete.
Gadzira Joint Accounts
Joint accounts inogona kuva chishandiso chinoshanda chekusimbisa kubatana kwemhuri maererano nenyaya dzemari. Ivo vanogona kukubatsira kugadzirisa akawanda mabasa anogara achimuka muhupenyu hwemhuri:
- Ratidza kuvimba kune yega yega nhengo yemhuri inokwanisa kuwana iyo account;
- Ipai mumwe nemumwe mukana wekuwana wekuwedzera mari muchiitiko chekukurumidzira;
- Ita kuti mari dzemhuri dzive pachena uye nyore pakuongorora pamwedzi.
The Bottom Line
Kusimudzira kugara zvakanaka kwemhuri kunofanira kubva pamari ine hutano. Asi izvi zvinogoneka chete kana nhengo yega yega yemhuri ichiziva nezvemutoro wayo wemari uye ichiita zvinoenderana nemimwe mitemo. Kiyi yekutarisirana kutaurirana kwakavhurika uye kwechokwadi nezvenyaya dzine chekuita nekushandisa uye zvirongwa zveramangwana. Kana iwe uchida kuwana imba yakachengeteka mune zvemari, tanga rwendo rwako rwezvemari pamwe chete nebhajeti uye nekugovana mabasa.
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