Kukadakhala kuti ukwati uliwonse womwe mudapitako utakhala ndi mtengo wokwera kwambiri kuti muwone kuchuluka kwake - phwando la anthu 250 mu hotelo yapamwamba yamzinda wa Philly lingawonekere mosiyana kwambiri ndi munthu wapamtima wa 50. zibwenzi ku Rockies ... kapena zingatero?
Ngati mukuganiza momwe mungakonzekere ukwati pa bajeti, kumvetsetsa omwe akukonzekera kukonzekera zochitika kudzakuthandizani kuti mukhalebe pagulu lanu. Mwachitsanzo, mungakhale mukuganiza kuti kucheza kwambiri ndi chakudya chodabwitsa, nyimbo ndi malo osangalatsa kudzakhala kotsika mtengo kuposa, kunena kuti, munthu wa 400-soiree paholo yochitira zochitika - koma popeza malo anu odyera ang'onoang'ono sachita maukwati. kuti nthawi zambiri, sizinakambidwe za mtundu wa vinyo womwe uli pa menyu ndipo Amalume anu Phil adalamula botolo la Cab ya mpesa yomwe idawonjezera, hmmm , ,000 ku biluyo.
Ndiye, ndi chiyani chomwe chimalowa mu bajeti yaukwati? Tidalumikizana ndi wopanga zochitika ku New York City Jennifer Brisman , yemwenso amadziwika kuti Wedding Planner, kuti mudziwe zambiri za bajeti yaukwati ndi njira zochepetsera kuti mupindule kwambiri ndi ndalama zanu.
Momwe Bajeti Yaukwati Imasweka:
1. Malipiro ovomerezeka (1% ya bajeti)
Kaya mudzakwatiwa m’tchalitchi cha Orthodox, funsani bwenzi lanu Chad kuti alembetse kukhala mtumiki wa pa intaneti kapena wodzigwirizanitsa (inde, mukhoza kukwatira popanda munthu wina m’malo ena, monga Pennsylvania), padzakhala mtengo wamtundu wina— monga chiphaso cha chilolezo chaukwati. Ngati mukugwiritsa ntchito m’busa, Brisman akunena kuti woyang’anira wanu angakupatseni chosankha pakati pa kupereka chopereka ku nyumba yawo yolambirira kapena chindapusa cha ntchito zawo. Ngati mutachita kale, zitha kuchotsedwa msonkho. Zodziwika bwino.
2. Mphatso za phwando la akwatibwi (2% ya bajeti)
Ngakhale sizofunikira kwenikweni, ndizabwino kwambiri, makamaka ngati phwando laukwati lidalowa mu bachelorette ndi shawa. Brisman akuwonetsa, komabe, kuti muthane ndi izi kumapeto kwenikweni kwa ulendo wokonzekera mukangochotsa zinthu zamatikiti akulu. Mwanjira iyi, simukugwiritsa ntchito ndalama zilizonse zomwe mungafune kuyika kwina.
3. Malangizo ndi ziwongola dzanja (2% ya bajeti)
N'zosavuta kuiwala kuti izi ziyenera kukhala gawo la bajeti yanu-choncho zindikirani mwamsanga (ndipo muzikumbukira nthawi zambiri). Ganizirani izi ngati kuthokoza koyenera, Brisman akutiuza, osati chifukwa cha ntchito yomwe mwachita bwino, komanso chifukwa chopitilira. Ngati wina akugwira ntchito kukampani, ndi koyenera kumuuza; ngati adzigwirira ntchito okha ndipo mukulipira, mwachindunji, izi sizikulangizidwa mwamphamvu. Ndiponso, pamenepa, chiwongola dzanja sichiperesenti ya mtengo wonsewo—chotero musamvere kuti muli ndi thayo la 20 peresenti pa bilu yojambula zithunzi ya ,000. Lankhulani zomwe mukuwona kuti ndizoyenera!
Zinayi. Maitanidwe ndi katundu wamapepala (7% ya bajeti)
Zinthu zonse zamakhalidwe zimawonjezera, motero Brisman amalimbikitsa kuti makasitomala ake awonetsetse kuti akudziwa zomwe alimo komanso kuti ali ndi zisankho: Pali zosankha zambiri zotsika mtengo zamakalata ndi mapepala, zosindikizidwa ndi digito. Chitani homuweki yanu ndikuwonetsetsa kuti mukudziwa zomwe mukufuna komanso zomwe mukufuna komanso kuti zonse zili mu bajeti. Sizomveka kupitilira bajeti pazinthu zomwe anthu amakonda kutaya.
5. Zovala za Mkwatibwi ndi Mkwati ndi zowonjezera (5% ya bajeti)
Awa ndi malo amodzi omwe anthu amapita mopanda bajeti, Brisman akubweza ataona mkwatibwi pambuyo pa mkwatibwi akuyesera kuvala $ 10,000 chifukwa chongosangalala ndikuyamba kukondana naye. Ngati mukuyesera kusunga m'gulu ili kumbukirani: Mumavala kamodzi kokha.
6. Zithunzi ndi makanema (10% ya bajeti)
Ngati pali chinthu chimodzi chomwe simuyenera kuchilemba, ndi gulu ili, atero Brisman: Ili ndi gawo limodzi loti mugwiritse ntchito ndalama. Zithunzi zimakhala moyo wonse! Ndipo makanema ndi njira yokhayo yojambulira zamatsenga ndi mphamvu zamasiku ano ndikusangalala nazo zaka zikubwerazi, mwachiyembekezo ndi ana anu ndi zidzukulu zanu.
7. Nyimbo ndi zosangalatsa (12% ya bajeti)
Palibe lamulo lolimba komanso lachangu lomwe ukwati uliwonse uyenera kusandulika kukhala phwando lovina, koma ngati mukufuna kutuluka, nyimbo zabwino ndizofunikira. Mukuda nkhawa ndi tanthauzo lanu? Ngati bajeti yanu silingakwanitse kugula gulu, DJ wodabwitsa adzadziwa kuwerenga unyinji ndikuyimba nyimbo zoyenera panthawi yoyenera.
8. Maluwa ndi zokongoletsera (13% ya bajeti)
Ma peonies onsewo mwina adzawononga ndalama zambiri - zambiri zambiri—kuposa momwe munaganizira. Mverani chenjezo la Brisman: Osakonzekera Pinterest. Limbikitsani pamenepo. Anthu zithunzi za ukwati zokongoletsa mwina kakhumi kuposa zimene mukukonzekera amathera.
9. Malo olandirira alendo, chakudya, zakumwa ndi antchito (45% ya bajeti)
Ah, zinthu zosangalatsa. Uwu ndiye umayi wa bajeti yanu ndipo udzakhudza kwambiri phwando lenileni. Brisman amalimbikitsa kuti azidzipusitsa ndikusankha zakudya ndi zakumwa zochepa kwenikweni chabwino m'malo modzifalitsa wekha woonda kwambiri chifukwa zidzawonekera. Ganizirani zomwe zili zofunika kwambiri kwa inu ndikubwerera mmbuyo, akutero.
Pamenepo muli nazo - bajeti yanu ya keke yaukwati yamagulu asanu ndi anayi. Zingawoneke zosasangalatsa kuposa momwe zimakhalira mukamalota uli maso, koma kukhala wowona bwino pakugwiritsa ntchito ndalama kudzakutetezani ku zodabwitsa zilizonse zazikulu pamzerewu. Ichi ndichifukwa chake tidafunsanso Brisman za zolakwika zomwe amawona pafupipafupi komanso momwe angapewere.
Zolakwa Zokonzekera Ukwati Zomwe Zidzasokoneza Bajeti Yanu:
1. Mndandanda wa alendo anu ndi chandamale chosuntha
Cholakwika chofala chomwe maanja amapanga ndikuchepetsa mndandanda wa alendo awo. Chifukwa chake tengani nthawi yanu yomanga musanakonzekere, chifukwa mndandanda wa alendo ukhoza ndipo ayenera Zimatenga milungu kuti zilowe. Nthawi zambiri, Brisman amapeza, mumayamba ndi mndandanda wothina kwambiri. Kenako, mumayenda tsiku lanu lantchito, Loweruka ndi Lamlungu ndikuyimba foni ndi abale ndi banja lanu kuti muzindikire kuti pali anthu ambiri omwe mumawaganizira kuti ayenera kukhala pamndandanda. Chifukwa chake, mumakulitsa mndandandawo kuti muwone momwe zimamvekera mukakometsedwa, koma mumapeza kuti muyenera kuwuchepetsanso. Kupeza sing'anga yosangalatsayo ndikofunikira. Yankho pano ndikuwona momwe mungapangire yaying'ono pomwe mukupatula mndandanda wa B.
2. Kupewa kukambirana nkhani zovuta
Imodzi mwa njira zosavuta zosinthira zowawa zomwe zachitika pokonzekera ukwati ndi kukhala ndi makambirano osokonekera aja pokonzekera—kaya ndi za banja, chipembedzo kapenanso bajeti. Mukapanda kuyankhula za zinthu izi molawirira, zidzakuvutitsani mukakhala kale ndi zinthu zina miliyoni zodetsa nkhawa.
3. Osamanga pamtsamiro wangozi
Bwerezani pambuyo pathu: Ziribe kanthu momwe ndingakonzere kapena kuchuluka kwa spreadsheet yanga ya Excel, ndidzakhala ndi ndalama zosayembekezereka. Simungathe kukonzekera zosayembekezereka, koma inu akhoza konzekerani zosayembekezereka popanga njira yachitetezo mu bajeti yanu. (Kutsitsa kwa mic.)
4. Kukonzekera ukwati wanu pa chikhalidwe TV
Malo ochezera a pa Intaneti ndi malo abwino kwambiri oti mulimbikitsidwe, komanso ndi owala ndi zithunzi zokongola zaukwati popanda kutchula chizindikiro chilichonse cha dollar, ndipo Brisman wawona zotsatira zake: Maso athu ndi aakulu kwambiri kuposa mimba zathu. Kumbukirani kuti zithunzi zokongolazi zimapangidwira kuti muzingodinanso, zomwe mumakonda komanso ndemanga. Sawonetsa njira yopita ku ukwati wopangidwa bwino pa bajeti. Ndipo samatanthauzira ‘banja losangalala.’ Gwiritsani ntchito malo ochezera a pa Intaneti ndi ndemanga zina za digito monga nsonga zolozera kuti mulankhule ndi ogulitsa za sitayilo ndi masomphenya omwe muli nawo pa tsiku lanu lalikulu.
Tapeza upangiri wokwanira wokwanira kuchokera kwa munthu yemwe mapulani maukwati kuti apeze zofunika pamoyo, koma nanga bwanji akwati ndi akwatibwi enieni amene adutsamo posachedwapa? Tinapempha maupangiri opulumutsa ndalama komanso anzeru ogwiritsira ntchito bajeti kwa anzathu omwe adakhalapo kuti atiuze nkhaniyi. Izi ndi zomwe adatiuza.
Malangizo a bajeti kuchokera kwa akwatibwi ndi akwatibwi enieni
1. Dumphani masiku apamwamba osunga
Yang'anani, timakonda zolemba zamanja ndikukweza zilembo monga munthu wotsatira. Koma masiku osungidwa osindikizidwa adzakudyerani ndalama zokwana mazana angapo (osachepera) pachinthu chomwe mungafune ndiyenera kuchitanso za ukwati! Zachidziwikire, ndiabwino komanso okongola, koma ndi osowa (komanso amawononga, sichoncho?). M'malo mwake, tumizani kusungirako kwa digito kokongola kudzera patsamba ngati Postless Paper . Palinso matani apamwamba opita pa digito: Mutha kusonkhanitsa maimelo, kutumiza zikumbutso, kulunzanitsa makalendala ndikupeza mosavuta tsamba lanu laukwati.
2. Pangani tsamba laulere
Inde, muyenera kukhala ndi tsamba laukwati kuti alendo anu azipeza mosavuta zidziwitso zonse kuti asamakutumizireni mameseji tsiku, basi imatikwera kuti? Koma palibe chifukwa kulipira pa tsamba laukwati masiku ano-ndipo inde, zomwe zikuphatikiza dzina la domain ndi seva! Masamba ngati Zola ndi Zopangidwa perekani mawebusayiti aukwati aulere omwe ali osinthika, owoneka bwino komanso osavuta kugwiritsa ntchito.
3. Pangani lamulo lochepetsa mndandanda wa alendo
Nambala yanu ya mndandanda ndi chirichonse . Imadziwitsa menyu, malo ndi bajeti yanu yonse. Chifukwa chake, mnzake wanzeru adatidziwitsa kuti kupanga lamulo limodzi ngati 21 ndi kupitilira apo
kapena palibe zowonjezera pokhapokha ngati zilidi zovuta ndi njira yosavuta yochepetsera nambala yanu popanda kupwetekedwa mtima.
4. Kweka chophimba chako
Gwiritsani ntchito 0 pa chophimba? Kapena…funsani mnzako yemwe adakwatirana posachedwa kuti amubwereke. Mwayi wake, adzayankha kuti inde.
5. Ndi zodzikongoletsera zanu;
Ngati mukuyesera kupanga bajeti, musawononge ndalama pa zodzikongoletsera zokongola. Mwina muli ndi azakhali kapena agogo omwe angakuloleni kuti mubwereke ndolo za diamondi kapena ngale za tsiku lofunika ili m'moyo wanu.
6. Gulani zosinthira ku ma boutique apamwamba aukwati
Monga BHLDN , Floravera ndi Modcloth .
7. Musaiwale ndalama zosinthira
Zovala zanga zinali 0-choncho ndimaganiza kuti ndikulowa pansi pa bajeti ... mpaka nditapeza ndalama zosinthira 0. Onetsetsani kuti mwalingalira za masinthidwe omwe mungafunikire pamene mukuyesa madiresi, akuchenjeza Tanya, mkwatibwi waposachedwapa.
8. Lowani pabanja pa sabata
Anna, aPampereDanthu mkwatibwi wokhala ndi ndalama zambiri zaukwati-bajeti, anali ndi phwando Lachinayi ndipo adatiuza kuti zidatsika ndi 60 peresenti poyerekeza ndi malo omwewo Lachisanu, ndi 80 peresenti yochepera Loweruka. Zedi, zinali zoseketsa kunena kuti ukwati wanga unali Lachinayi, koma zinali zodabwitsa! Anzanga ambiri anali oyamikira kuti sindinawagwiritse ntchito Loweruka ndi Lamlungu ndipo amapitabe kuntchito tsiku lotsatira ngati akufunadi.
9. Funsani wojambula wanu kuti mtengo wawo waola ndi wotani
Ndiyeno dziwani kuti ndi maola ati omwe ali ofunika kwambiri zanu. Mwina simukufunika kukhala ndi zithunzi zokonzekera. Izi zitha kusunga mpaka ,000, akulangiza Anna.
10. Ganizirani njira zina zochitira mwambowu
Ngati mwambowu ukukwera mtengo kwambiri pamalo ochitira phwando lamaloto anu, pezani malo ena ochitira mwambo wanu. Mapaki nthawi zonse amakhala achilungamo, ndipo amangofuna chilolezo, chomwe nthawi zambiri chimakhala mazana ochepa kwambiri. Central Park ndi 0 ndipo ndiye Central Park, mkwatibwi wina adatiuza.
11. Funsani ngati mavenda anu adzalandira ndalama m'malo molipira msonkho
Osati kukunyengererani mumsika wakuda, koma msonkho m'chigawo ngati New York ndi 9 peresenti, izi zitha kukupulumutsirani mulu wandalama. Simunazimve kwa ife.
12. Onani ngati mavenda anu akupatsani ndalama
Ndalama ndi wogulitsa aliyense amene angavomereze, mkwatibwi wina amatiuza, ndipo ambiri ndi omasuka kwa izo. M'malo mopatsa wojambula wanga ndalama zambiri m'mawa waukwati wanga, ndidazigawa pamalipiro atatu ang'onoang'ono. Ndinalipira zonse ndi miyezi kuti ndipite ndipo ndinamva zodabwitsa kuti ndifufuze mndandanda wanga.
13. Tsegulani kirediti kadi ndi bonasi yayikulu yolembetsa
Ndipo lipirani zambiri za honeymoon ndi mfundo (awa pali ena mwa makadi abwino kwambiri opezera mphotho zazikulu )—kapena tchuthi chonse!
14. Kusinthanitsa wanu chinkhoswe zithunzi ukwati Album
Kodi inu mwamtheradi chosowa zithunzi za chinkhoswe? Ojambula ambiri amaphatikiza izi mumitengo yawo. Angadziwe ndani? Mwina mukhoza kusinthanitsa chinkhoswe zithunzi rehearsal chakudya chamadzulo zithunzi kapena ukwati Album.
15. Ichitireni kumalo odyera
Kusunga ukwati wanu kumalo odyera kumatanthauza kuti chakudya, bala ndi antchito ali kale pamalopo. Ithanso (mwina) kukuthandizani kupewa ndalama zobwereketsa malo. Zinthu ziwiri zofunika kuzidziwa, akutero mkulu wathu wa bajeti Anna: Malo odyera angakufunseni kuti muchepetse chakudya ndi zakumwa - zomwe nthawi zambiri zimakhala zomveka. Ndipo inu ayenera kuwonetsetsa kuti malo odyera adachitapo izi kale. Simukufuna kukhala nkhumba mu kuyesa kwawo kwaukwati.
16. Phunzirani kukonda Excel
Kwa mkwatibwi wam'tsogolo Rachel: Ndikukwatirana m'mwezi umodzi kotero ndakhala ndikukhala mkati mwa Excel spreadsheet. Tili ndi chilichonse mu spreadsheet ndi mtengo woyerekezeredwa wa chinthu chilichonse, mtengo weniweni, kuchuluka komwe talipira mpaka pano, malangizo kwa ogulitsa athu onse, ndi zina zotero kuti tizitha kusunga ndalama zonse mosavuta. Ndikupangira kukhala ndi khushoni kuti mubwerere chifukwa pali zinthu zazing'ono miliyoni zomwe mwina simungaziwerengere, monga kugula kadzutsa (ndi nkhomaliro) paphwando lanu laukwati pamene mukukonzekera ndikujambula zithunzi.
17. Pangani splurge vs. scrimp list
Mkwatibwi wina waposachedwa (wotchedwanso Rachel) amalangiza maanja amtsogolo kuti aziyika patsogolo momwe angawonongere ndalama bwino komanso kulemba bwino, Kwa ine, inali diresi (ndinali bwino kubisa izi), koma izi zikutanthauza kuti sindingakhale ndi gulu. (tinali ndi DJ); kwa iye, inali photobooth (iye anali ADAMANT kuti tili ndi izi), kotero izo zikutanthauza kuti ife kutchipa pa zokomera alendo (tinachita mwambo M&Ms, koma iwo ali chithunzi Mzere memento, nawonso, kotero kuti ozizira?). Mfundo yofunika kwambiri: Zinatithandiza kuyang'ana momwe timawonongera ndalama poika patsogolo ndalama zathu.
ZOKHUDZANA : Zovala Zotsika mtengo za Atsikana: Malo 7 Ogulira Zovala Anzanu Adzafunadi Kuvala
