Hutungamiriri hweMari hweKugamuchira Vaenzi: Nei Uchida Kushandisa Rolling Forecast - NaDavid Lund

Kufungidzira zvinhu zvitsva hakusi chinhu chitsva asi ndinofanira kutaura kuti mahotera mazhinji haazvishandise, uye ndizvo zvaanofanira kushandisa. Chishandiso chinobatsira zvikuru chine huremu hwacho hwegoridhe. Izvi zvichitaurwa, hachina huremu hwakawanda asi kana wangotanga kushandisa chimwe chishandiso chakakosha chaunofanira kuva nacho mwedzi wega wega, uye kukosha kwacho kunowanzowedzera huremu mumwedzi mishoma yekupedzisira yegore. Kufanana nenyaya iri muchivande chakanaka, inogona kungoerekana yachinja yoguma isingatarisirwi.

Kutanga tinofanira kutsanangura kuti tinogadzira sei fungidziro inoenderera mberi uye kuratidza nzira dzakanakisisa dzakapoteredza kugadzirwa kwayo. Zvadaro, tinoda kunzwisisa kuti tinotaura sei zvayakawana uye pakupedzisira tinoda kuona kuti tingaishandisa sei kushandura divi rezvemari, zvichitipa mukana wekuita nhamba dzedu zvakare.

Pakutanga panofanira kuva nebhajeti. Pasina bhajeti hatigone kuva nefungidziro yenguva dzose. Bhajeti rehotera remwedzi gumi nemiviri rakatsanangurwa rinounganidzwa nevatungamiriri vemadhipatimendi, rakabatanidzwa nemutungamiriri wezvemari, uye rinotenderwa nekambani nevaridzi. Izvozvo zvinonzwika zviri nyore asi hazvisi nyore zvachose. Verenga blog riri padivi penzira yekuti sei zvichitora "nguva yakareba" kugadzira bhajeti pano.

Kana bhajeti ragamuchirwa, rinovharirwa zvachose uye hapana zvimwe zvinobvumidzwa kuchinja. Rinoramba rakafanana nekusingaperi, rakafanana neshiri yemhando yewoolly mammoth kubva munguva yechando yakakanganwika kare, harizombochinji. Ndiro basa rinoitwa nekufungidzira kuri kuenderera mberi. Kana tapinda mugore idzva kana kuti pakupera kwaZvita zvichienderana nehurongwa hwebhizinesi renyu, muchafanotaura Ndira, Kukadzi naKurume.

Hwaro hwekufungidzira kwemazuva makumi matatu, makumi matanhatu, uye makumi mapfumbamwe inyaya yebhajeti, asi ikozvino tava kuona mamiriro ari pamberi pedu zvakajeka kupfuura zvatakaita patakanyora bhajeti muna, ngatitii, Nyamavhuvhu/Gunyana. Iye zvino tava kuona makamuri ari mumabhuku, kumhanya, mapoka, uye basa riripo nderekufungidzira mwedzi wega wega sezvatinogona, tichichengetedza bhajeti sekuenzanisa. Tinozvienzanisawo nemwedzi yakafanana gore rapfuura sekuenzanisa kune revo.

Heino muenzaniso wekuti tinoshandisa sei fungidziro inoenderera mberi. Ngatitii takaronga bhajeti reREVPAR muna Ndira remadhora zana nemakumi mashanu, Kukadzi zana nemakumi mana nemakumi mana uye Kurume zana nemakumi matanhatu nemashanu. Fungidziro yazvino inoratidza kuti tiri kuswedera pedyo asi tichidzokera kumashure. REVPAR muna Ndira yemadhora zana nemakumi matatu, Kukadzi zana nemakumi maviri nemashanu uye Kurume yemadhora zana nemakumi manomwe. Zvichienzaniswa nebhajeti, asi zviri pachena kuti tiri kumashure uye mari inowanikwa haisi yakanaka. Saka, toita sei izvozvi?

Iye zvino tava kuchinja uye mutambo wacho wava kutarisa kubva pamari inowanikwa kuenda kuGOP. Chii chatingaita kuti tideredze purofiti yakarasika mukota yekutanga tichifunga nezvekudzikira kwemari yatakatarisira tichienzanisa nebhajeti? Chii chatingamisa, kunonoka, kuderedza, kubvisa mukushanda kwedu kana zvasvika pakubhadhara mari uye mari inoshandiswa mukota yekutanga izvo zvichatibatsira kuderedza kurasikirwa tisingauraye murwere? Chikamu chekupedzisira ichocho chakakosha. Tinofanira kuziva zvakadzama zvatinogona kurasa ngarava iri kunyura pasina kuputika kumeso kwedu.

Ndiwo mufananidzo watinoda kugadzira nekugadzirisa. Tingaita sei kuti zvinhu zvirambe zviri pamwe chete sezvinobvira pamutengo wepasi kunyangwe mutengo wepamusoro usingashande sezvatakanga takaronga mubhajeti. Mwedzi nemwedzi tinotarisa uye tinogadzirisa mashandisiro edu zvakanyanya sezvinobvira. Muchiitiko ichi, tinongoda kubuda muQ1 neganda redu rakawanda richiri kushanda. Ndiwo mamiriro ezvinhu ari kufamba.

Mwedzi wega wega taivandudza mufananidzo unotevera wemazuva makumi matatu, makumi matanhatu nemakumi mapfumbamwe, uye panguva imwe chete, taizadza "mwedzi chaiyo" kuitira kuti tive nemaonero ari kuramba achiwedzera pamusoro pechinangwa chikuru - GOP yakarongwa nebhajeti rekupera kwegore.

Ngatishandisei fungidziro yaKubvumbi semuenzaniso unotevera. Iye zvino tine chaiyo yaNdira, Kukadzi naKurume! Iye zvino ndava kuona nhamba dzeYTD kubva munaKurume uye tiri kumashure mumari inowanikwa uye GOP yebhajeti, pamwe nefungidziro yazvino yemwedzi mitatu inotevera uye pakupedzisira nhamba dzakarongwa mubhajeti yemwedzi mitanhatu yapfuura. Nguva yese iyi ndiri kuramba ndakatarisa mubairo - kuguma kwegore. Fungidziro yaKubvumbi naChivabvu yakasimba asi Chikumi haina kusimba, uye zhizha richiri kure zvakanyanya kuti ndifare zvakanyanya. Ndinotora nhamba dzangu dzazvino dzataurwa dzaKubvumbi naChivabvu, uye ndinoona kwandingagadzirisa kusasimba kweQ1. Ndinewo pfungwa yaChikumi, chii chatingavhara uye saizi chaiyo kuitira kuti tigone kupedza hafu yekutanga yegore kana pedyo neGOP yakarongwa mubhajeti.

Mwedzi wega wega tinoongorora mwedzi mumwe chete tonyora zvatinotarisira. Iyi ndiyo nzira yatinotevera mugore rese.

Ngatishandisei fungidziro yaGunyana semuenzaniso unotevera. Iye zvino ndine mhedzisiro yeYTD Nyamavhuvhu uye mufananidzo waGunyana wakanaka, asi Gumiguru uye kunyanya Mbudzi vari kumashure zvikuru kunyanya nekumhanya kwemapoka. Apa ndipo pandinoda kuunganidza mauto. Bhajeti redu reGOP kubva Nyamavhuvhu 31 rave pedyo zvikuru. Handidi kukundwa mumutambo uyu mumwedzi mina yekupedzisira yegore. Ndinoshanda nesimba nechikwata changu chekutengesa nemari. Tinofanira kuisa zvinhu zvakakosha mumusika kuti tigadzirise mamiriro eboka. Tinofanira kuva nechokwadi chekuti chinangwa chedu chenguva pfupi chasvika. Chii chatingaita kuti tiwedzere mari inowanikwa uye tideredze mari inoshandiswa?

Hazvisi zvesainzi, asi ndiwo mashandisiro atinoita bhajeti. Tinoshandisa fungidziro kuti tirambe tiri pedyo nehurongwa hwegore hwekupedzisira hwakarongwa. Patakasarira takawedzera simba pakutarisira mari uye mazano ekuwana mari. Patakasarira takanyanya kutarisa pakuwedzera mari inobuda.

Mwedzi wega wega kusvika muna Zvita, tinotamba zvakafanana nekufungidzira kwedu uye bhajeti redu. Ndiyo nzira yatinozvibata nayo zvinobudirira. Uye nenzira, hatimboregi. Mwedzi mishoma yakaipa zvinoreva kuti kune mwedzi wakanaka uri mberi. Ndagara ndichiti, "Kutarisira bhajeti kwakafanana nekutamba baseball."

Tsvaga chinyorwa chinotevera chine musoro unoti "Smoke and Mirrors" pamusoro pekuti ungazadzisa sei vimbiso yako uye ugoita zvakawandisa pakupera kwegore uye wozadza makabati ako panguva imwe chete.

KuHotel Financial Coach ndinobatsira vatungamiriri vemahotera nemapoka nekudzidzisa hutungamiriri hwezvemari, mawebhusaiti nemaworkshop. Kudzidza nekushandisa hunyanzvi hunodiwa hwehutungamiriri hwemari ndiyo nzira inokurumidza yekubudirira mubasa uye kuwedzera kubudirira kwemunhu. Ndinovandudza zvakanyanya mhedzisiro yemunhu nechikwata nekudzoka kwakaratidza pamari yandinoisa.

Fonera kana kunyora tsamba nhasi woronga hurukuro yemahara yekuti ungagadzira sei timu yehutungamiriri ine mari muhotera yako.