Imwe yemaitiro akanakisa e kuvandudza hutano hwemari yedu pachedu kuita bhajeti. Kuva nebhajeti kwakakosha zvekuti kunyangwe makambani makuru, pamwe nehurumende, vanozvirongera bhajeti yavo. asi chii ichocho? Uye pamusoro pezvose, zvinoitwa sei? Ichi chinyorwa chakaitirwa kushanda se general gwara pamaitiro ekuita wega bhajeti, kuitira kuti mari yedu ivandudzike.
Chii icho uye ndechei?
Bhajeti chirongwa icho mune edu maviri mari inopinda nekubuda kwedu zvakanyorwa, kuitira kuti semhedzisiro inotipa kuronga kwekuti mari yedu inofanira kuenda kupi. zviwanikwa zvehupfumi, uye pamusoro pazvose zvinotibatsira kuziva kuti zviriko here imwe ndege yekubhururuka kana zvimwe zvinoshandiswa Izvo zvinoita kuti dzimwe nguva isu tisingakwanise kuchengetedza kana kuti isu tinotoshaya mari yekugona kubhadhara vhiki nevhiki kana vhiki mbiri.
Iyo bhajeti ine chinyorwa cheimwe yeimwe yenguva umo mune kubuda kwemari; Chikonzero nei izvi zvichifanira kujekeswa ndechekuti kana isu tisingatarise kubuda kwedu kwese kwemari, kazhinji pane kusahadzika kuti sei tisina mari yakakwana pakupera kwemwedzi; uye pazviitiko zvakawanda ndezvekuti mari inobuda mune zvimwe zvinwiwa, muzvinwiwa kana kufamba neshamwari. Uye kana pasina kuronga chaiko pane izvi, zvichave zvakaoma kwazvo mari yedu inovandudzika.
Ipapo bhajeti inotibatsira kudzora mari inopinda, pamwe nekudzora mashandisiro edu; uye nekutonga tinoreva kuti sezvo mwedzi unopfuura isu tichava tatoziva zvatinogona uye zvatisingakwanise kushandisa mari yedu ku. Asi hazvibatsiri chete pane izvi, bhajeti ichatibvumidzawo kuona kushomeka pari zvino pamabatiro edu emari tobva taronga, semuenzaniso, kubhadhara zvikwereti kana kuchengetedza kuti tikwanise tenga iyo imba kana mota iyoyo yatinoda zvakanyanya.
Zvino zvatave kuziva mikana ingatipiwe nebhajeti, mubvunzo unonyanya kukosha unouya: zvinoitwa sei? Chikamu chinotevera chichava nemabasa ekutsanangura maitirwo azvo bhajeti uye kuti ungadudzira sei.
Kugadzira bhajeti
Zvinoenderana nezvatakaongorora muchikamu chakapfuura Bhajeti rakavakirwa pazvinhu zvikuru zviviri, kupinda kwemari, nekubuda kwemari. Saka kuti tiite bhajeti redu, chinhu chekutanga chatinoda kugadzira runyorwa nemari dzese dzakapinda dzakarongwa, semuenzaniso, kana tiine muhoro we1500 euros, uye mari yekurenda ye300 euros, isu tinonyora ivo pasi kuti vakwanise kuita mari yekupedzisira, iyo mune ino kesi ingave mazana e1800. Kana uchingova nemumwe chete yakatarwa pamwedzi mari, muhoro wedu, unofanirwa kutariswa sezvazviri, kukosha kwekuisa kamwe chete.
Chinhu chinotevera kugadzira runyorwa nezvose mari inobuda, kana mari yakarongwa; kune ino nhanho isu tinofanirwa kuita zvinotevera. Chekutanga pane zvese, mari yatinoziva kuti inobhadharwa mukati memwedzi yakanyorwa .. Pano tinofanirwa kusanganisira, semuenzaniso, mari dzakadai sekubhadharira nharembozha, internet, isuwo tinofanirwa kusanganisira kiredhiti kana kubhadharwa mari yegeji; ikozvino kunouya chikamu chakati omei, uye ndiko kuti kusvika parizvino mari yakatarwa, ndiko kuti mwedzi nemwedzi unofanirwa kubhadhara chaiyo mari yemasevhisi edu kana zvirongwa apo paine mari isinganyatsoita, senge mari pachikafu kana gasi remota.
Kune zviitiko zvatisingazive chaizvo kuti imarii yatichazoshandisa patry yedu, chatinofanirwa kuita kuverenga huwandu hunofungidzirwa hwemashandisiro atinoita pasvondo, nenzira iyi tinogona kuita kuverenga chaiko. Uye kudzivirira kuti kuverenga kwedu kwave kushoma pane chaiko mari, zviri nyore kuti gumi muzana riwedzerwe pamari yakaguma, nenzira iyi tinokwanisa kutora mari isina kurongwa nenzira isingakanganise yasara bhajeti yedu. uye kuti yedu kuronga zvakarongwa kubhadhara.
Imwe pfungwa yakakosha yekutarisa mubhajeti yedu ndeye mari yekuchengetedza imba, kana iyo chunk, pamwe nekubhadharwa kwemitero uye mari yekupfeka; Zvakakosha kuti kunyangwe tisingaendi mwedzi wega-wega kunotenga mbatya dzakaenzana nedzakapfuura, pane mari yakati wandei yakatemwa yakanangwa nechinangwa chakataurwa, kuitira kuti kana mwedzi uno tisingashandise bhajeti rembatya , yemwedzi unotevera tinogona kushandisa bhajeti yemwedzi iwoyo pamwe nekuchengetedza, kana kuramba tichichengeta.
Ngationgororei bhajeti yazvino
Kana tangova nemari mbiri dzakakosha, iyo mari nezvose zvadzinoshandisa, zvakakosha kuti kuti tidudzire tinofananidza mari idzi; Pane mamiriro matatu, yekutanga uye isingawanzoitika ndeyekuti mari yatinoita inodarika zvatinoshandisa, uye kana tichiti ndiyo yakajairika tinotaura nguva dzatinoita bhajeti, nekuti chinangwa ndechekuti nekufamba kwenguva tinosvika mamiriro, kuitira kuchengetedza.
Mamiriro echipiri ndeekuti riini mari yedu zvakaenzana nemari yedu; Aya mamiriro akanaka chaizvo, zvisinei, haazi akanyanya kunaka, sezvo kupera kwemwedzi hatizombove nechatinochengeta. Uye yekupedzisira mamiriro ndipo apo edu ekushandisa anopfuura mari yedu; ichi ndicho chakajairika, uye chikonzero chikuru ndechekuti hatina zvakakosha.
Nyaya yechipiri yatinofanira kutarisa kuti tidudzire bhajeti yedu iri mukubhadhara zvikwereti, nekuti izvi ndizvo zvinowanzo kukonzera matambudziko makuru mukuwedzera kwekumiririra ruzhinji mari mubhajeti. Saka pano isu tine dambudziko rekugadzirisa, zvikwereti.
Mubvunzo wechitatu watinofanira kufunga nezvawo ndewekuona kana tiine zvakakosha mubhajeti, tichazviona izvi nekuenzanisa mari yemunhu Nekuremekedza kushandiswa kwese, nenzira iyi tinogona kuziva kuti ndeapi mativi ari kupihwa bhajeti hombe; uye kana tangove neizvi zvakanyatsotsanangurwa, zvichave zvakakosha kuti isu pachedu tiongorore kana huwandu hunomiririra chikamu chepamusoro chakakosha kana tichikwanisa kudzideredza, nyaya ichataurwa nezvayo mumashure.
Iyo yemangwana bhajeti
Zvino zvatave nazvo zano rezvatinoshandisa nemari Zvatinoita mwedzi nemwedzi, uye kuti takaongorora bhajeti redu kuti tikwanise kumisikidza mikana yemukana nezvakakosha, zvakakosha zvakanyanya kuti tironge kuti tinoda kuti bhajeti redu riite sei mune ramangwana kuti tikwanise ponesa.
Chinhu chekutanga chatinofanira kufunga nezvacho isu pekutanga, kuitira kuti tichengetedze zvisina basa mari kubva pakuronga. Zvimwe zvezvatinokoshesa zvinogona kunge zviri zvikwereti uye mari yerendi kana chikafu. Kana tangova nezvatinoisa pekutanga zvakanaka, tichafanirwa kuverenga bhajeti remangwana, uye nenzira iyi tinogona kuzadzisa mari yedu yekutanga. Iye zvino ngatifambei tiende kunenyaya inonakidza kwazvo, zvikwereti.
Chinhu chechipiri kugadzirisa zvikwereti zvatiinazvo, zvakakosha kuti kana tichiita bhajeti nyowani yemwedzi tiyeuke kuti, kana isu tinobhadhara mari kune mukuru wechikwereti chedu, mari yemwedzi nemwedzi inoderera, kuwedzera kune huwandu hwechimbadzo hwatichazobhadhara huchaderera. Nenzira iyi iwe unofanirwa kuita runyorwa nezvose zvikwereti, kana tangova nerunyorwa urwu zvakakosha kunyora pasi izvo zvikwereti, nguva yavanofanirwa kuvharwa kana kugadziriswa, uye pakupedzisira mwero wemubereko. Sechitupa, zvikwereti zvekutanga zvinofanirwa kugadziriswa ndevaya vane huwandu hwemubereko.
Ndokunge, kana isu tiine zvikwereti zvitatu, yekutanga ine mubhadharo wemwedzi wega we5 euros yekubhadhara kwemwedzi gumi nemaviri uye nechiyero che12%, chechipiri nemubhadharo wemwedzi wega we3 euros kubhadhara kwemwedzi misere ine chiyero che10 %, uye chechitatu nemubhadharo wemwedzi ne8 euros inobhadharwa mumwedzi makumi maviri nemana uye pasina mubereko; uye mari yatiri kuwana inokwana kubhadhara zvikwereti zvitatu, uye tasara nemari yekuwedzera, chinhu chinopa zano ndechekubhadhara izvo zvekuwedzera kuaccount yekutanga, inova ndiyo ine mwero wepamusoro. Kana izvi zvangogadziriswa, isu tinobhadhara maeuro gumi echikwereti chechipiri, pamwe nemari yekuwedzera, uye nenzira iyi tinogona kugadzirisa chikwereti chedu zviri nyore nekudaro nekuvandudza bhajeti yedu nemari yedu.
Kana tangove kugadzirisa kana kuronga kubhadhara kwezvikwereti zvedu Iyo inotevera yakakosha pfungwa yekufunga ndeye masvosve emari, ayo anoenda anenge asingacherechedzwe, senge matipi kana dzimwe nguva mari pazvikafu zvekudya kana shuwa senge ice cream. Kudzora mari idzi kwakakosha nekuti kana tikabatanidza zvese zvidiki izvi, iyo inoguma inowanzo kuve yakawanda; Ziva kuti kudzikisira uye zvirinani kudzora rudzi urwu rwemari kunotibvumidza kupa pekutanga kune zvimwe zvinhu zvakaita sekubhadhara zvikwereti zvatiinazvo.
Kana tangove nebhajeti yedu yakarongwa, zvakakosha kuti tidzidze kuidzora, ndiko kuti, tinofanirwa kutevedzera iyo kuitira kuti tigone kuchengetedza uye kudzikisira mari yedu isingakoshi.