“Mazuva mashoma apfuura ndakambopinda mushopu kuti ndingoona zvinhu zvakanga zvirimo. Ndakatenga chinhu chaidhura chandainge ndisina kuronga kutenga!”​—Colin.

 Colin ari kubvuma kuti haagoni kushandisa mari zvakanaka. Ndozvauriwo here? Kana uinewo dambudziko iri, nyaya ino ichakubatsira.

•  Nei uchifanira kushandisa mari yako zvakanaka?

•  Ungazviita sei?

•  Zvinotaurwa nevezera rako?

 Nhema: Kuzvidzora pakutenga zvinhu kunokushayisa rusununguko.

 Chokwadi: Kuzvidzora pakutenga zvinhu kunoita kuti unyatsova nerusununguko. “Kana uchigona kushandisa mari, zvichaita uve nemari yakawanda yekutenga zvinhu zvaunoda, rinodaro bhuku rinonzi I’m Broke! The Money Handbook.

 Ziva kuti: Kana ukashandisa mari zvakanaka . . .

•   Uchava nemari yakakwana panguva yaunenge wava kuida. “Ndinoda kuzoenda kuSouth America,” anodaro mumwe musikana anonzi Inez. “Pandinochengeta imwe mari, ndinoedza kuramba ndichizviyeuchidza nezverwendo urwu.”

•   Unova nezvikwereti zvishoma kana kusatombopinda muchikwereti. Bhaibheri rinoti: “Anokwereta anova muranda womunhu anomukweretesa.” (Zvirevo 22:7) Musikana anonzi Anna akataura zvinoenderana nemashoko aya achiti, “Kana uine chikwereti, ndochaunenge wava kungoshandira.” Anotiwo, “Kana usina zvikwereti unokwanisa kuzadzisa zvinangwa zvako.”

•   Unenge uchifunga semunhu mukuru. Kushandisa mari zvakanaka kunozokubatsira kana wakura. Jean ane makore 20 anoti, “Zvichandibatsira kana ndakura pandinenge ndava kuzviraramira.” Anotiwo: “Ndiri kuedza kushandisa mari zvakanaka iye zvino, kuti ndizokwanisa kuita izvozvo mune ramangwana.”

 Chinhu chinokosha chaunofanira kuziva ndechekuti: “Kugona kushandisa mari zvakanaka ndiro danho rekutanga rinokubatsira kuti uzogona kuzviraramira,” rinodaro bhuku rinonzi The Complete Guide to Personal Finance: For Teenagers and College Students. “Kunyatsoshandisa mari zvakanaka chipo chinozokubatsira kweupenyu hwako hwese.”

 Ziva pane chinetso chako. Kana uchingogara usina mari, tanga nekutsvaga kuti iri kuenda kupi. Vamwe vanopedzerwa mari nekutenga zvinhu paindaneti. Vamwewo ndivo vanopota vachingotenga-tenga zvekuti panozopera mwedzi vanenge vasisina kana sendi.

 “Mari inoshandiswa kutenga tunhu tudiki ikazobatanidzwa inenge yakatowanda. Ndinenge ndichiti ndikambotengera vanhu zvipo zvidiki pano neapo, ndombopfuura nepacoffee shop, ndozomboti regai nditengewo kanhu kari pasero​—panozopera mwedzi, ndinozoshamisika kuti $100 yakaenda kupi!”​—Hailey.

 Iva nebhajeti. Bhaibheri rinoti: “Zvirongwa zvomunhu anoshingaira zvinobatsira.” (Zvirevo 21:5) Kuva nebhajeti kuchakubatsira kuti ushandise mari zvinoenderana nehomwe yako.

 “Kana uchishandisa mari yakawanda kupfuura yaunowana, chimbotarisa kuti mari yako iri kuendepi, wosiyana nekuishandisa pazvinhu zvisingakoshi. Kana ukadaro uchaona kuti uchasara uine imwe mari.”​—Danielle.

 Ita zvaunenge waronga. Pane zvaunogona kuita kuti uone kuti mari yako iri kufamba sei, uye kuti urege kutenga zvinhu zvisingakoshi. Chimboona zvakaitwa nevamwe vechidiki kuti vaite izvi:

•  “Ndinowanzokurumidza kuendesa mari yangu kubhengi nekuti ndinoziva kuti kashoma kuti ndizokundwa nekamwoyo kekuda kuishandisa kana iri ikoko.”​—David.

•  “Pandinoenda kumashops, handitakure mari yakawandisa. Izvozvo zvinoita kuti ndisabude mubhajeti.”​—Ellen.

•  “Ndikamboti mirei ndisati ndatenga chinhu chandiri kuda zvinondipa nguva yekuti ndinyatsofunga kuti ndiri kunyatsochida zveshuwa here.”​—Jesiah.

•  “Handiendi kumapati ese! Kana ndisina mari yacho, handinyari kutaura kuti handisi kukwanisa kuuya.”​—Jennifer.

 Chinhu chinokosha chaunofanira kuziva ndechekuti: Kushandisa mari zvakanaka haisi nyaya yekutamba nayo. Colin ambotaurwa patangira nyaya ino ndiwo maonero aava kuita. “Kana ndichida kuzova baba vemba handifaniri kuva munhu anongopfachura mari!” Akatiwo, “Kana ndisiri kugona kushandisa mari zvakanaka iye zvino ndisati ndaroora, ndichazova nematambudziko mumhuri yangu.”