Ƙarfin sarrafa kuɗin da ya dace yana da inganci musamman a yanayin rikicin kuɗi, lokacin da ikon sayayya na jama'a ke raguwa, hauhawar farashin kayayyaki, kuma farashin canjin kuɗi gaba ɗaya ba a iya faɗi.A ƙasa akwai kura-kurai na gama-gari waɗanda suka shafi harkokin kuɗi tare da shawarwarin tsara kuɗi don taimakawa sarrafa kuɗin ku yadda ya kamata.
Kasafin kudi shine abu mafi mahimmanci a cikin tsara kudi.Don haka yana da mahimmanci a yi taka tsantsan yayin tattara kasafin kuɗi.Don farawa dole ne ku tsara kasafin ku na wata mai zuwa kuma bayan shi ne kawai za ku iya yin kasafin kuɗi na shekara.
Kamar yadda tushen ke ɗaukar kuɗin shiga na wata-wata, cire irin waɗannan kuɗaɗen yau da kullun kamar farashin gidaje, sufuri, sannan zaɓi 20-30% akan ajiyar kuɗi ko lamunin jinginar gida.
Sauran za a iya kashe a kan rayuwa: gidajen cin abinci, nishadi, da dai sauransu. Idan kana tsoron kashewa da yawa, iyakance kanka a cikin mako-mako kudi ta samun wani adadin shirye tsabar kudi.
"Lokacin da mutane ke karbar bashi, suna tunanin cewa ya kamata su mayar da shi da wuri-wuri," in ji Sofia Bera, ƙwararren mai tsara kuɗi kuma ta kafa kamfanin Gen Y Planning.Kuma ku ciyar da abin da kuka samu a cikinsa.Amma ba daidai ba ne a hankali".
Idan ba ku da kuɗi a ranar damina, idan akwai gaggawa (misali gaggawar gyaran mota) dole ne ku biya ta katin kiredit ko shiga cikin sabbin basussuka.Ajiye aƙalla aƙalla $1000 idan akwai kuɗaɗen da ba zato ba tsammani.Kuma sannu a hankali ƙara "jakar iska" zuwa adadin kuɗin shiga har zuwa watanni uku zuwa shida.
"Yawanci lokacin da mutane ke shirin saka hannun jari, suna tunanin riba ne kawai kuma ba sa tunanin hakan zai yiyuwa asara", in ji Harold Evensky, shugaban kamfanin sarrafa kudi Evensky& Katz.Ya ce a wasu lokutan mutane ba sa yin lissafin lissafi na asali.
Misali, manta cewa idan a cikin shekara guda sun yi asarar 50%, kuma a shekara ta gaba sun sami kashi 50% na ribar, ba su koma wurin farawa ba, kuma sun yi asarar 25% ajiya.Saboda haka, ka yi tunani game da sakamakon.Yi shiri ga kowane zaɓi.Kuma ba shakka, zai fi hikima a saka hannun jari a cikin abubuwa daban-daban na saka hannun jari.
Lokacin aikawa: Janairu-15-2023