Vanoti haungatore mari kana waenda, asi kuishandisa zvisina tsarukano pasina mubvunzo kuchaita kuti kurarama kuve kwakaoma. Iwe unoshanda nesimba kuti uwane sendi rega rega, asi kusaita sarudzo kunowanzo konzera kuti iwe uipedze nekukurumidza uye zvisina basa. Kupambadza kushandisa mari kunotungamira kumari yakaoma, kuwedzera chikwereti, uye zero kugadzirira ramangwana rako. Paunodzidza kuchengetedza mari, unosunungura mari yaunogona kushandisa kuchengetedza hupenyu huri nani.
Sezvo zvakakosha sekuchengetedza mari kumari yako nehupenyu, itsika iyo vanhu vazhinji vanonetseka kuita. Neraki, kune zvishandiso zvetekinoroji uye masevhisi aripo kubatsira vanhu kuchengetedza zvakawanda.
Yakakwirira-Goho Savings
Kuisa mari yako muakaundi inobereka mubereko ndiyo yakapusa yenzira dzese dzekuchengetedza mari yakawanda. Mari yako inowana mubereko usingaite chero chinhu. Kuwanda kwemari yaunoisa parutivi, ndipo paunowedzera kubatsirwa kubva mubereko yaunenge wawana.
Kuzvitenda kana kusazvitenda, mabhanga mazhinji anongopa vatengi vavo avhareji ye0.06% APY kunze kwekunge vachida kuisa zviuru zvemadhora kuti vagamuchire mibairo iri nani. Sezvineiwo, online mabhanga akafanana POSHI ipa yakakwira-goho rekutarisa uye sarudzo dzekuchengetedza dzevatengi dzinovabvumira kuwana 1.00% APY.
Auto-Chengetedza Zvinhu
Mushure mekubhadhara mabhiri ako, danho rinotevera rinofanira kusanganisira kuisa mari mukuchengetedza. Nekudaro, vanhu vazhinji vanofuratira danho iri uye vanotanga kushandisa mari pane zvimwe zvinhu. Nhau dzakanaka ndedzekuti iwe unogona otomatiki kuchengetedza kwako. Mamwe mabhanga anobvumira vatengi kumisikidza otomatiki kutamisa kubva kuaccount yavo yekutanga kuenda kune yavo yekuchengetedza.
Kunyangwe ukaisa madhora makumi maviri ega ega mubhadharo kana $20, iyo otomatiki debit inokubatsira kudzidza kurarama usingashandisi imwe mari. Iwe unogona kuwedzera huwandu hwaunoisa kutenderera kwega kwega kuti usvike pazvinangwa zvako zvekuchengetedza nekukurumidza nekufamba kwenguva.
Expense Trackers
Dzimwe nguva, nzira yakanakisa yekuchengetedza mari ndeyekudzivisa kuishandisa pazvinhu zvausingade. Kunyange zvichigona kuuya sechishamiso, dzimwe nguva vanhu havazive kuti izvo zvisina basa mari inotaridzika sei. Vanogona kunge vari kushandisa mari yakawandisa pakushambadzira masevhisi, kutora, zvipfeko, girosari, uye zvimwe zvinodhura vasingazive kuti zviri kukanganisa sei mari yavo.
Expense tracker apps inobatsira mukubatsira vatengi kuti vaongorore mashandisiro avanoita mari. Vanoongorora kutengeserana kuburikidza nemaakaundi ako ekubhangi akabatanidzwa uye vanokubatsira kuisa kutenga kwega kwega muzvikamu. Yepamberi trackers inotogadzira mishumo uye machati kuitira kuti iwe uone kuti yakawanda sei yemari yako ichaparadza. Ipapo, iwe unogona kushandura maitiro ako ekushandisa uye kuona kuwedzera kwemari yako yekuchengetedza.
Discount Shopping Apps
Imwe nzira yekuchengetedza mari ndeyekuva savvy shopper. Paunoenzanisa mitengo, tsvaga zvinopihwa zvekushambadzira, uye shandisa makuponi uye zvidzikiso, unogona kutambanudza mari yako mberi. Ehe, kuedza kutsvaga mitengo yakanakisa uye mikana yekuchengetedza mari hakusi nyore nenzvimbo dzakawanda dzakasiyana dzekutenga.
Nhau dzakanaka ndedzekuti unogona kudhawunirodha kuderedza kutenga zvikumbiro kunharembozha kana komputa yako kuti ufambirane nezvinozvino nzira dzekuchengetedza. Paunotenga uchishandisa aya maapplication, vanozotsvaga painternet vatengesi nemitengo yakanakisa uye vanotowana makuponi nemakodhi edhiresi aungashandisa kuchengetedza mari yakawanda pazvinhu zvaunoda nezvaunoda.
Unogona kutora mari yako mberi nekutora mari yawakachengeta woiisa muakaundi yako inobereka mubereko kuti ugozoishandisa. Kunyangwe iri masendi makumi mashanu kubva pagumi nemaviri-pack yebepa rechimbuzi kana madhora makumi mashanu pane dzimwe shangu nyowani, kuisa mari iyoyo parutivi kuchakubatsira iwe kuzadzisa zvinangwa zvako zvekuchengeta.
Mari yaunowana inogona kukusvitsa kure, kunyanya kana mutengo wekurarama ukaramba uchikwira. Nepo kuwana mari yekuwedzera imwe mhinduro, imwe iri kuwana yakawanda nzira dzekuchengetedza mari pese paunokwanisa. Nekuda kwehunyanzvi hwemazuva ano, kuchengetedza mari kuri nyore kupfuura nakare kose. Edza mamwe maturusi emari edhijitari uye zviwanikwa zvakanyorwa pamusoro kuti uone maitiro avanogona kuita mutsauko mubhangi account account yako uye hupenyu hwako.
