Sezvo tsika yezuva nezuva inoratidza, hapana mari yakawanda. Uye kana pane mhuri nevana, mari inowanzopera nokukurumidza kupfuura iyo inoonekwa. Mubvunzo wokuchengetedza mari unogona kubuda mumhuri ine chero mari yaunowana, sezvo kwete nguva dzose muhuhu hwemaripo ndeye chivimbo chehupenyu hwakanaka. Chinonyanya kukosha kukwanisa kugovana zvakakwana mari uye kuvashandisa nouchenjeri.
Mazano ekuchengetedza mari mumhuri
Kufungisisa nzira yekuchengetedza mari mumhuri, murume nomudzimai havatarisi nguva dzose mubvunzo iwoyo. Zvinogona kuonekwa kumurume kuti mudzimai anoshandisa mari yakawanda pamusoro pake, uye mudzimai - kuti murume ane mhosva yekunyengera. Nokudaro, pfungwa inokosha yekuchengetedza mhuri inofanira kuva yekugadzirisa mari. Nekuuya kwega kwega kwemari mumhuri yevakaroorana, zvakakosha kubvumirana pamwe nezvei uye mari yakazoshandiswa sei. Zvakakosha kufunga nezvezvinhu zvakadai zvinhu:
- mvumo yekubhadhara (zvishandiso, kubhadhara kukurukurirana kwefoni, Indaneti, dzidzo yevana, inshuwarisi, nezvimwe);
- chikafu - zvakanakisisa kugovera chimwe chikamu chevhiki imwe neimwe;
- kutenga zvakakodzera (zvipfeko kana shangu, kugadzirisa motokari, kutenga midziyo) - chinhu ichi chinogona kukonzera kusawirirana, saka unotanga kutanga neinokosha uye kuenda kune bhajeti yechinyorwa ichi chakakwana;
- zororo - chinhu ichi chemari hachigoni kuregererwa, sezvo hupenyu huchachinja. Kana iwe usingashandisi mari kubva munharaunda ino, wozovatumira kumwedzi unotevera uye uwedzere kwavari mwedzi unotevera;
- inviolable stock - kwete mhuri yose ine mari yakakwana yeizvi, asi isu tinofanira kuedza kuchengetedza zvishoma 5-10% yemari.
Paunenge wataura zvinhu izvi zvemari, unogona kuona kupi uye mari yakawanda sei inogona kubviswa, uyewo kukwanisa kutarisa kubuda kwemari. Kukundikana kuronga ndiro muvengi mukuru wekuponesa.
Mukuwedzera, pane mazano ekuchengetedza mari:
- kutenga zvinhu zvakanakisisa zvinhu, nokuti shangu dzakasununguka uye zvipfeko hazvigoni kupera nguva refu uye zvinotungamirira kumashandisirwo matsva;
- Usatenga zvinhu mu branded boutiques, kwausingafaniri kubhadhara pane chimwe chinhu, asi nechinangwa;
- makemikari emumba nemishonga yehutsanana inofanira kutengwa mumahombekiti makuru, sezvo izvi zvinobatsira zvikuru;
- midziyo yemumba inogona kutengwa mumvura yakashambidzwa, uko mitengo inoderedzwa nekuda kwechiremera chisina kukosha.
Chengetedza mari pane menyu yemhuri
Kune mazano mazhinji anokosha ekuchengetedza mari mumhuri pane zvigadzirwa:
- Ipai imwe mari yakawanda kune zvigadzirwa uye edza kusaenda mberi kwayo. Izvi zvingabatsira kudzivisa kudarika uye dambudziko risingakoshi.
- Ita menyu pakarepo kwevhiki. Usakanganwa kuti zvinofanira kunge zvakasiyana uye zvakaenzana.
- Tenga zvigadzirwa kamwe chete kwevhiki, kushanyira hofisi yepamusoro kashoma, umo iwe unoda kutenga zvose nezvimwe.
- Enda kuchitoro zvakanyatsorongedzwa, kuitira kuti usaita zvinhu zvisingatarisirwi zvaunotenga zvinogogodza mhuri kunze kwemari.
- Tanga bhuku rekuti iwe unoda kunyora urongwa hwekutanga, yechipiri mafundo uye mashizha ayo unogona kubika. Kune zvikafu zvakawanda zvekuti hazvina mari
ndiro, izvo zvatinokanganwa, saka bhuku rino richakubvumira kuti uyeuke kuti iwe unogona sei kufadza mhuri uye panguva imwechete kushandisa mari shoma. - Chengetedza chigadzirwa chinotora mari yakawanda kubva kwauri uye edza kuwana imwe nzira iyo. Kana iri nyama, dzidzai kuti ungagadzira sei mishonga kana hove dzinokwana . Kana iri masipi, iwe unofanira kutenga muupfu hwakawanda uye shuga, uye bheka makiki nemakeke iwe pachako.
Kuziva nzira yekuchengetedza mari zvakanaka mumhuri, unogona kuva nyanzvi yemari yako uye kuwana mari yausina kumboita.