Nzira Yokuramba Nayo Usina Chikwereti

MUNGUVA dzino dzinochinja, kushandisa zvakanaka pfuma yemhuri kunogona kuva denho. Unogona sei kugonana nedenho yacho nenzira inobudirira?

Mhinduro haisiri hayo mari inowanwa yakawanda. Nyanzvi dzezvemari dzinotaura kuti mhinduro yacho ine chokuita nokuva nepfungwa yokuti mari yacho iri kubva kupi uye iri kuenda kupi pamwe chete nokuva anodisa kuita zvisarudzo uchiziva. Kuti uite ikoku, unoda bhajeti.

Kukurira Kudzivisa Bhajeti

Mabhajeti, zvisinei, “anoparira marudzi ose emirangariro yokusuwa,” anodaro mupi zano wezvemari, Grace Weinstein. Naizvozvo, vanhu vakawanda havasati vachizoiita. Vamwe vanobatanidzawo kudikanwa kwebhajeti nemari inowanwa yakaderera kana kuti kushayikwa kwedzidzo. Asi kunyange vanoshanda mabasa ounyanzvi vane mari inowanwa yakawanda vane zvinetso zvemari. Mumwe mupi zano wezvemari anoti: “Mumwe wevanotsvaga betsero kwandiri wokutanga aitambira $1 795 200 pagore . . . Chikwereti chavo chekadhi rokutenga nechikwereti choga chakanga chiri zvishomanene pasi pe$912 000.”

Michael, adudzwa kare, akanga asingadi kutsvaka zano rezvemari nokuda kwechimwe chikonzero. Iye anobvuma, kuti: “Ndaitya kuti vamwe vaizondirangarira sendakapusa uye fuza.” Asi rutyo rwakadaro haruna hwaro. Kushandisa mari zvakanaka nokuwana mari zvinoda unyanzvi hwakasiyana, uye vanhu vakawanda zvikurusa havana kurovedzwa kushandisa mari zvakanaka. Mumwe mushandi womunzanga anoonesa, kuti: “Tinopedza kudzidza pachikoro chapamusoro tichiziva zvakawanda pamusoro peisosceles triangle kupfuura nzira yokuchengetedza nayo mari.”

Kuronga bhajeti, kunyange zvakadaro, kuri nyore zvikuru kudzidza. Kunobatanidza kuita ndaza yemari inowanwa nendaza yendyiko—uye ipapo kuchengeta ndyiko dziri mukati memari inowanwa. Chaizvoizvo, kuronga bhajeti kunogona kuva kunofadza, uye kurarama maererano nayo kunogona kuva kunogutsa.

Kutanga

Ngatitange nokuita ndaza yemari inowanwa. Nokuda kwevakawanda zvikurusa vedu, ikoku kunofanira kuva kuri nyore nemhaka yokuti kazhinji kazhinji kunobatanidza zvinhu zvishomanene bedzi—mari inotambirwa, mubereko wokuakaundi yokubhangi, uye zvichingodaro.

Asi usaverengera mari inowanwa isina chokwadi, yakadai seiyo inobva mupeyi yekushanda nguva yomuraudzo, mabhonasi, kana kuti zvipo. Vanobvunzwa mazano vezvemari vanonyevera kuti kurongera manyuko asina chokwadi emari inowanwa kunogona kukupinza muchikwereti. Kana mari inowanwa iyoyo ikagamuchirwa, ungasarudza kushandisa mari yacho kuti uzvifadze umene nemhuri, kubetsera vamwe vanoshayiwa, kana kuti kubetsera kuchinangwa chakafanirwa.

Kuita ndaza yendyiko, zvisinei, kunogona kuva kunoti nyengedzei zvikuru. Robert naRhonda, vadudzwa munyaya dzapfuura, vaisagona kunzwisisa uko mari yavo yaitamburirwa kuwanwa yakanga ichienda. Robert anotsanangura kuti vakapedza sei chinetso chacho: “Kwemwedzi mumwe takatakura mumwe nomumwe kapepa ndokunyora pasi sendi roga roga rataishandisa. Taitonyora pasi mari yaipedzerwa pakapu yekofi. Uye pakupera kwezuva rimwe nerimwe, tainyora zvitsama zvacho mubhuku rebhajeti randakanga ndatenga.”

Kunyora nokungwarira chinhu chiri chose chaunoshandisa kuchakubetsera kuwana ‘mari yakavanzika’ ipi neipi inoratidzika kuva isingabatiki. Kana uchiziva tsika dzako dzokushandisa mari, zvisinei, ungasarudza kurega kuchengeta chinyorwa chine udzame chechinhu chimwe nechimwe chaunoshandisira zuva rimwe nerimwe ndokupfuurira nendaza yendyiko dzemwedzi nemwedzi.

Kuronga Ndyiko Dzemwedzi Nemwedzi

Ungada kuita chati yakafanana neimwe inoratidzwa pamusoro apa. Muchikamu che“Mari Inoshandiswa Chaiyoiyo,” nyora chitsama chaunopedza pari zvino nokuda kwechinhu chimwe nechimwe. Ganhurira nhamba yezvikamu zvikuru, uchishandisa misoro yakadai se“zvokudya,” “imba,” uye “zvipfeko.” Zvisinei, usasiya tuzvikamu twunokosha. Nokuda kwaRobert naRhonda, rutivi rukuru rwemari yavo rwakanga rwuchienda kukudyira mumaresitorendi, naizvozvo kuparadzanisa “kudyira mumaresitorendi” ne“girosari” kwakabvumikisa kuva kunobetsera. Kana uchifarikanya kuitira vamwe mutsa, ikokuwo kunogona kuva kachikamu pasi pe“zvokudya.” Pfungwa yacho ndeyokuita kuti chati yacho iratidzire zvauri uye zvaunoda hako.

Apo unenge uchironga chati yako, usakanganwe ndyiko dzepashure pemwedzi mitatu yoga yoga, dzepakati pegore, dzegore negore, uye dzimwe dzepanhambo nenhambo, dzakadai sokuripira inishuwarenzi uye mitero. Kuti uzvibatanidze pachati yemwedzi nemwedzi, kunyange zvakadaro, uchafanira kukamura chitsama chacho nenhamba yakakodzera yemwedzi.

Chinhu chinokosha pandaza yendyiko ndiyo “mari inochengetwa.” Nepo vakawanda vangasafunga nezvemari inochengetwa sendyiko, nenzira yokuchenjera ucharonga imwe yemari yako inowanwa yemwedzi nemwedzi nokuda kwemamirire ezvinhu ekurumidziro kana kuti zvinangwa chaizvo. Grace Weinstein anosimbisa ukoshi hwokubatanidza mari inochengetwa mundaza yako yendyiko: “Kana usingakwanisi kuchengeta inenge zvayo 5 muzana yemari yako inowanwa yepashure pemutero (uye iyoyo idukusa zvikuru), uchafanira kuita matanho akakomba zvikuru. Bvisa kushandisa kwako kutenga nechikwereti, rongazve mararamire ako, uye rangarira zvinokosha.” Hungu, yeuka kubatanidza mari inochengetwa mubhajeti yako yemwedzi nemwedzi.

Kuti usatambure mukati menhambo yourovha hunobvira, zvino kunowanzorumbidzwa kuti uedze kutanga mari yakachengetwa inowanika zviri nyore yemari inotambirwa yeinenge mwedzi mitanhatu. “Kana ukawedzererwa,” anodaro mupi zano wezvemari, “chengeta hafu yayo.” Unorangarira kuti hakubviri kuti uchengete mari here?

Rangarira Laxmi Bai, uyo kufanana nevakawanda mumaruwa eIndia ari murombo zvikuru. Akatanga kuisa muhari mupunga mushoma kubva muchikamu chezuva nezuva chaaibikira mhuri yake. Panhambo nenhambo, aitengesa mupunga wacho ndokuisa mari yacho mubhangi. Iyoyi yakanga iri nhano yakananga kukuwana chikwereti chebhangi chokubetsera mwanakomana wake kutanga shopu yokugadzira mabhasikoro. Mari inochengetwa shomanene yakadaro yakaita misiyano mikuru muupenyu hwevakawanda, inoshuma kudaro India Today. Ikoku kwakaita kuti kuzvimirira mune zvemari kuve chinhu chaichoicho nokuda kwevamwe.

Zvisinei, kudzikamisa bhajeti kunopfuura kuita ndaza yemari inowanwa uye ndyiko. Kunobatanidza kuchengeta ndyiko dziri mukati memari inowanwa, uko kungada kuderedza kushandisa mari kwako.

Chinokosha Here?

Cherekedza musoro unoti “Chinokosha Here?” pafomu riri papeji 27. Ichi chikamu chinokosha kurangarira, zvikurukuru kana ukawana kuti hwerengedzo muchikamu che“Chitsama Chinobhajetwa” ihuru zvikuru kupfuura mari yaunowana. Zvisinei, kusarudza kana chinhu chichikosha uye kuti imari yakawanda sei yokubvumira nokuda kwacho kunogona kuva chinetso. Zvikurukuru kwakadaro munguva dzino dzinochinja apo tinodenhwa nokugoverwa kwenguva dzose kwezvinhu zvitsva zvinoziviswa sezvatinofanira kuva nazvo. Kufunga nezvendyiko imwe neimwe maererano nokuti ndechinodikanwa chaichoicho, chinodikanwa chine mibvunzo, kana kuti choumbozha chakanaka kuva nacho kuchabetsera.

Tarira ndyiko imwe neimwe yawaronga, uye pashure pokuyera kwokufungisisa, nyora “H” [Hungu] muchikamu chako che“Chinokosha Here?” kana chinhu chacho chiri chinokosha chaizvoizvo; “?” kana chiri chinodikanwa chine mibvunzo, uye “C” [Chakanaka] kana chiri choumbozha chakanaka kuva nacho. Yeuka, hwerengedzo yakarongwa muchikamu che“Chitsama Chinobhajetwa” hachigoni kuva chikuru zvikuru kupfuura mari yako inowanwa yemwedzi nemwedzi!

Zvinhu zvinoiswa chiratidzo chokuti “?” uye “C” sezviri pachena zvingava zvokutanga kubvisa. Ndyiko idzodzi dzingasafanira kubviswa zvachose. Pfungwa yacho ndeyokunzvera chinhu chimwe nechimwe kuona kana ndyiko yacho yakafanirwa nomufaro uyo ndyiko iyoyo inounza ndokubvisa nenzira inowirirana. Robert naRhonda vakaona pandaza yavo kuti vakanga vachipedzera $4 800 pamwedzi pakudyira mumaresitorendi. Yakanga iri tsika yavakanga vawira mairi nemhaka yokuti vose vari vaviri vaisaziva kubika. Asi Rhonda akaita matanho okudzidza uye anoti: “Zvino kubika kwazova kunofadza, uye tinodyira pamba kakawanda zvikuru.” Robert anowedzera, kuti: “Zvino tinodyira muresitorendi bedzi panhambo chaidzo kana kuti apo kunenge kuri madikanwa.”

Chinjo mumamirire ako ezvinhu ingakuparira kunzverazve zvakakwana zviri zvinokosha. Sezvadudzwa munyaya yokutanga, mari inowanwa yaAnthony yakadzikira zvikuru. Yakabva pa$460 800 pagore kusvikira kuisingasviki $192 000 ndokurambira ipapo kwemakore maviri. Kana ikoku kukafanira kuitika kwauri, ungafanira kuronga bhajeti yokungowana zvinoraramisa, uchibvisa zvose zvokuwedzera pakushandisa mari kwako.

Anthony akaita izvozvo chaizvo. Kupfurikidza nokuderedza zvakakomba mari inopedzerwa pazvokudya, zvipfeko, chokufambisa, uye nhandaro, iye akakwanisa nenzira inorwadza kubhadhara imba yake.a “Semhuri taifanira kuziva zvataifanira kuva nazvo chaizvoizvo nezvataida,” iye anodaro, “uye takabetserwa nechakaitika chacho. Zvino tinoziva nzira yokugutsikana nayo nezvishomanene.”

Deredza Chikwereti

Chikwereti chisingadzorwi chinogona kuvhiringidza nhamburiko dzako dzokurarama mukati memari yako. Nepo chikwereti chenguva refu chinoshandiswa nokuda kwokuwanira mari kutengwa kwezvinhu zvakadai semusha izvo zvinowedzera muukoshi chichigona kuva chinobetsera, zvikwereti zvemakadhi okutenga nechikwereti zvinoshandiswa kuwanira mari kurarama kwezuva nezuva zvinogona kubvumikisa kuva zvine ngwavaira. Naizvozvo “usatongobhadhara chikwereti chekadhi,” inodaro Newsweek.

Nyanzvi dzezvemari dzinokurudzira kubhadhara zvikwereti zvemakadhi okutenga nechikwereti kunyange kana uchifanira kuitora mumari yako yakachengetwa. Hazvimborina mufungo kuva nezvikwereti pamwero yomubereko yakakwirira apo unenge uchichengeta mari inochengetwa iri pamwero yomubereko yakaderera. Vachiziva ikoku, Michael naReena vakaripira zvikwereti zvavo zvemakadhi okutenga nechikwereti kupfurikidza nokuwanira keshi mabond avo emari inochengetwa, uye vakasarudza kusapinda mumamirire ezvinhu iwayo zvakare.

Robert naRhonda, vasina zviwanikwa zvakadaro, vakatendeukira kubhajeti yokungowana zvinoraramisa. Robert anoti: “Ndakagadzira bar graph pachikwangwani chichena yairatidza kuti chikwereti chedu chaizova chichiderera sei mwedzi nemwedzi ndokuturika chikwangwani chacho mukamuri redu rokurara umo taigona kuchiona mangwanani oga oga. Ikoku kwakagovera sundo yezuva nezuva.” Pakupera kwegore, vakafara sei kusava nechikwereti chavo chemakadhi okutenga nechikwereti che$57 600!

Mune dzimwe nyika kunyange mortgage haisi kushandisa mari nokuda kwokuwana mhindu kwakanaka sezvakwaichimbova. Uye kutenga musha kunogona kuguma kuchikudhurira zvikuru maererano nekuchajwa kwemubereko. Chii chaunogona kuita kuti uderedze ndyiko yemortgage? “Bhadhara chitsama chikuru chemari pakutanga kupfuura icho bhangi rinoda kana kuti zvimwe tenga imba inodhura zvishomanene,” inorumbidza kudaro Newsweek. “Kana uchitova neimba, dzivisa kurudziro yokutenga iri nani.”

Unogona kuderedza chaizvoizvo ndyiko yechikwereti chemotokari kupfurikidza nokuripira chitsama chikuru pakutanga. Asi uchafanira kuchengeta mari nokuda kwaikoku pachine nguva mberi kupfurikidza nokuinyora mubhajeti yenyu yemhuri. Uye zvakadiniko nokusarudza motokari yakanaka yakamboshandiswa?b Mutengo wayo wokutanga wakaderera ungareva miripo yemari yakaderera zvikuru. Ungatokwanisa kuitenga usingapindi muchikwereti nokuda kwayo.

Uchabudirira Here?

Kana uchibudirira mukuita kuti bhajeti yenyu ishande nenzira inobudirira kunotsamira zvikuru pakuti ndeyechokwadi sei. “Bhajeti yacho haisati ichizoshanda kana chitsama chinotsaurwa nokuda kwemhuri chiri chiduku kwazvo zvokuti sezvinobvira hamungapedzi mwedzi nacho,” vanodaro vamwe varoorani avo vakararama nenzira inobudirira mutsinhirano nebhajeti.

Chimwe chinhu chinokosha zvikuru mukuita kuti bhajeti ishande ikurukurirano yakanaka pakati pemitezo yemhuri. Avo vanotapurwa nebhajeti vanofanira kuva nomukana wokutaura maonere avo nemanzwire vasinganyombwi. Kana mitezo yemhuri inobatanidzwa ikanzwisisa zvinofanira kuwanwa nezvinodiwa zvomumwe nomumwe ndokuziva chiri chaizvoizvo mamirire emari emhuri, sezvingabvira pachava nebatira pamwe iri nani nomukana uri nani wokuti bhajeti yemhuri ichabudirira.

Munguva dzino dzinotambudza, sezvo mugariro wenyika uchiramba uchichinja, dzvinyiriro pamari dzemhuri inowedzera. (2 Timotio 3:1; 1 VaKorinte 7:31) Tinofanira kushandisa “uchenjeri chaihwo” mukugonana nezvinetso zveupenyu hwazvino. (Zvirevo 2:7) Kuchengeta bhajeti kungava chaizvo chinhu chichakubetsera kuita izvozvo.

[Mashoko Omuzasi]

[Mashoko okukwezva vaverengi ari papeji 28]

Nzvera chinhu chimwe nechimwe kuti uone kana ndyiko yacho yakafanirwa nomufaro wainounza

[Mashoko okukwezva vaverengi ari papeji 29]

Ngwarira kuchajwa kwemubereko wemakadhi okutenga nechikwereti!

[Chati iri papeji 27]

CHATI YENDYIKO DZEMWEDZI NEMWEDZI NEKUNZVERA Mwedzi

Zvokudya:

Girosari

Kudyira Kumaresitorendi

Mutsa

Imba:

Mortgage kana kuti rendi

Zvokushandisa

Zvipfeko

Chokufambisa

Zvipo

●

●

●

Mari Inochengetwa

Mitero

Inishuwarenzi

Zvakasiyana-siyana

HWEREN. (enzanisa nemari inowanwa)

MARI INOWANWA YEMWEDZI NEMWEDZI

Mari inotambirwa

Nzvimbo yokurenda (kana pane ipi neipi)

Mubereko pamari inochengetwa

HWERENGEDZO (enzanisa nendyiko)

[Mufananidzo uri papeji 26]

Kurukurirano yakanaka mumhuri inokosha mukuita kuti bhajeti ishande nenzira inobudirira