Maak 'n begroting om geld te spaar

Engels ookgeen Engels

'N begroting is 'n skatting van hoeveel geld jy elke maand het en hoeveel geld jy nodig het om te betaal vir huur, Nuts, kos, vervoer, klere, ens. Dit sal jou help uitvind wat jy kan spandeer sonder loop uit geld. Om 'n begroting maak dit ook makliker om geld te spaar.

A budget is an estimate of how much money you have every month and how much money you need to pay for rent, utilities, food, transportation, clothing, etc. It will help you figure out what you can spend without running out of money. Having a budget also makes it easier to save money.

How to save money and budget copyright Harsha KR, CC.
Hoe om geld te spaar, foto deur Harsha KR, Creative Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Maak 'n begroting beteken neem beheer van jou geld. Dit is veral belangrik as jy leef op 'n beperkte inkomste. In die VSA, baie baie mense kry in die moeilikheid met geld omdat hulle spandeer meer as wat hulle verdien.

Making a budget means taking control of your money. This is especially important if you are living on a limited income. In the USA, many many people get into trouble with money because they spend more than they earn.

Hoe om 'n begroting

How to make a budget

Skep jou begroting rondom jou salaris. Jy betaal per week, elke twee weke, of jy maandeliks? Maak jou begroting rondom jou betaal periodes.

Create your budget around your paycheck. Are you paid weekly, every two weeks, or you monthly? Make your budget around your pay periods.

  • Skryf neer jou maandelikse of weeklikse inkomste
  • Maak 'n lys van maandelikse of weeklikse uitgawes: kos, Nuts, huur, bus vragprys of motor lening byvoorbeeld
  • Maak 'n lys van ander uitgawes wat jy het om te betaal: versekering, herstel rekeninge, skool uitgawes
  • 'N lys van hoeveel jy moet opsy: byvoorbeeld jy sal wil spaar geld vir noodgevalle en stoor vir aankope of vir die reis
  • Voeg 'n bedrag vir vermaak of ander dinge wat jy wil spandeer op. Onthou net dit is verstandig om te koop wat jy nodig het voor die dinge wat jy wil hê!
  • Write down your monthly or weekly income
  • Make a list of monthly or weekly expenses: food, utilities, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: insurance, repair bills, school expenses
  • List how much you need to put aside: for example you will want to save money for emergencies and save up for purchases or for travel
  • Add an amount for entertainment or other things you want to spend on. Just remember it is wise to buy the things you need before the things you want!

As jou inkomste dek nie al jou koste, jou begroting is nie gebalanseer word. As jy jou inkomste kan verhoog, Jy sal moet sny op uitgawes waar jy kan.

If your income does not cover all your costs, your budget is not balanced. If you cannot increase your income, you will need to cut down on expenses where you can.

Spaar geld en rekords hou

Save money and keep records

As jy geld het oorgebly nadat jou uitgawes gedek is, begin spaar! Die beste manier om geld te spaar, is om dit in jou spaarrekening. Jy kan jou spaargeld gebruik as jy 'n noodgeval. Kenners beveel aan dat jy skep 'n nood fonds gelyk aan ses maande’ uitgawes in die geval jy verloor jou werk of seerkry. Nadat jy 'n nood fonds opgebou het, dan is jy geld om iets te doen kan stoor pret, soos gaan op vakansie met jou familie of koop iets spesiaals.

If you have some money left over after your expenses are covered, start saving! The best way to save money is by putting it into your savings account. You can use your savings if you have an emergency. Experts recommend you create an emergency fund equal to six months’ expenses in the event you lose your job or get injured. After you have built up an emergency fund, then you can save money to do something fun, like go on a vacation with your family or buy something special.

Maak seker jy betaal al jou rekeninge betyds sodat jy nie enige laat fooie te betaal. Hou al jou belangrike kwitansies en rekords van hoe spandeer jy jou geld in een boks, trekker of lêer.

Make sure to pay all of your bills on time so that you do not have to pay any late fees. Keep all of your important receipts and records of how you spend your money in one box, drawer or file.

Krediet

Credit

Krediet beteken leen geld by die bank of krediet unie en betaal dit terug later. Wanneer jy leen geld gebruik krediet, Jy sal moet rente betaal, of 'n fooi vir die geld te leen.

Credit means borrowing money from the bank or credit union and paying it back later. When you borrow money using credit, you will have to pay interest, or a fee for borrowing the money.

Dit is belangrik om te betaal al jou rekeninge betyds sodat jy beskerm jou krediet. As jy wil koop 'n huis eendag, dalk moet jy gebruik krediet. Jy kan leer meer oor krediet kaarte en lenings.

It is important to pay all of your bills on time so that you protect your credit. If you want to buy a house one day, you may need to use credit. You can learn more about credit cards and loans.

As jy besluit om 'n kredietkaart, Jy moet baie versigtig te betaal jou rekeninge heeltemal elke maand. Kredietkaarte kan nuttig wees, maar dikwels jy baie hoë rente hef as jy nie betaal hulle elke maand. Meer geld as wat jy spandeer nie!

If you decide to get a credit card, you need to be very careful to pay your bills entirely each month. Credit cards can be helpful but often charge you very high interest if you do not pay them off every month. Do not spend more money than you have!

Bedrog

Fraud

Wees versigtig wanneer jy geld aan mense gee jy nie weet, veral as jy met kontant betaal. Dit is beter om 'n Kontroleer tans rekening by 'n bank of krediet unie sodat jy kan per tjek betaal en dan moet jy bewys van jou rekeninge te betaal. As jy kontant betaal, Vra altyd vir 'n ontvangs sodat u bewys van betaling.

Be careful when you are giving money to people you do not know, especially if you are paying with cash. It is better to get a checking account at a bank or credit union so that you can pay by check and then you have proof of paying your bills. If you have to pay cash, always ask for a receipt so that you have proof of payment.

Daar is 'n paar swendelary (truuks om te bedrieg mense) daardie teiken mense wat nuut tot hierdie land en goed nog Engels praat nie. As jy e-pos kry of e-pos wat sê jy moet betaal 'n klomp geld of dat jy 'n klomp geld gewen, Dit is dalk 'n bedrogspul of vervals. Kontroleer met die Poskantoor, jou OPSLAG/mentor, of 'n vertroude vriend of naaste as jy onseker is.

There are some scams (tricks to cheat people) that target people who are new to this country and do not speak English well yet. If you get mail or email that says you need to pay a lot of money or that you won a lot of money, it might be a scam or fake. Check with the post office, your volunteer/mentor, or a trusted friend or neighbor if you are unsure.

As jy dit oorweeg om te koop of belê in, of om vir iets te betaal, Dit is aanvaarbaar om te vra vir ooreenkoms in skrif, of om te sê jy moet praat met jou gade of dink oor die aanbod. Nie gedwing word om 'n groot bedrag geld sonder dokumentasie of tyd om te vra vir advies.

If you are considering buying or investing in, or paying for something, it is acceptable to ask for agreement in writing, or to say you need to talk to your spouse or think about the offer. Do not feel pressured to pay a large amount of money without documentation or time to ask for advice.

Belastings

Taxes

In die VSA, almal is nodig om aan te meld deur April 15 elke jaar hoeveel inkomste hulle ontvang in die jaar voor. Daardie verslag is 'n belastingopgawe genoem. Jy kan skuld belastings op daardie inkomste. Belastings is geld wat jy betaal die regering vir die openbare dienste wat jy ontvang, soos skool vir u kinders en paaie te ry op. Jy kan leer meer oor belasting en hoe om te betaal belasting. Afhangende van hoeveel geld jy maak, egter, Jy kan 'n terugbetaling ontvang (geld terug van die regering) op belasting jy reeds betaal gedurende die jaar.

In the USA, everyone is required to report by April 15 every year how much income they received in the year before. That report is called a tax return. You may owe taxes on that income. Taxes are money that you pay the government for the public services you receive, like school for your children and roads to drive on. You can learn more about taxes and how to pay taxes. Depending on how much money you make, however, you might receive a refund (money back from the government) on tax you already paid during the year.

Wanneer jy 'n salaris ontvang, Sommige geld geneem word uit van dit te dek sekere belastings. Jou werkgewer sal geld van jou salaris te gee aan die regering namens jou hou. Dit genoem weerhoubelasting belastings. Dit sluit in staats- en federale belasting, werkloosheid versekering en sosiale sekuriteit, wat is spaar vir aftrede of ongeskiktheid.

When you receive a paycheck, some money will be taken out of of it to cover certain taxes. Your employer will keep some money from your paycheck to give to the government on your behalf. This called withholding taxes. This includes state and federal taxes, unemployment insurance and social security, which is savings for retirement or disability.

Sample Paycheck from the Wells Fargo "Hands on Banking" program.
Dit is 'n monster salaris uit die putte Fargo “Hande op bank” program.
Sample Paycheck from the Wells Fargo "Hands on Banking" program.
This is a sample paycheck from the Wells Fargo “Hands on Banking” program.

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