Yin kasafin kudin ajiye kudi
A kasafin kudin ne kimanta na nawa kudi kana da kowane wata da kuma yadda da yawa kudi kana bukatar ka biya haya, utilities, abinci, sufuri, tufafi, da dai sauransu. Zai taimake ka gane abin da za ka iya ciyar ba tare da guje daga kudi. Samun kasafin kudin ma sa ya fi sauƙi ga a ajiye kudi.
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.
Yin kasafin kudin yana nufin shan iko da your kudi. Wannan yana da muhimmanci musamman idan kana zaune a kan wata iyaka samun kudin shiga. A USA, da yawa, mutane da yawa samu shiga matsala da kudi saboda sun ciyar da fiye da suka kasance sunã tãrãwa.
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.
Yadda za a yi a kasafin kudin
How to make a budget
Ƙirƙiri da kasafin kudin a kusa da ku paycheck. Shin ka biya mako-mako, kowane mako biyu, ko ku wata-wata? Make your kasafin kudin a kusa da ku biya lokaci.
Create your budget around your paycheck. Are you paid weekly, every two weeks, or you monthly? Make your budget around your pay periods.
- Rubuta saukar da wata-wata ko mako-mako albashi
- Make jerin wata-wata ko mako-mako kudi: abinci, utilities, haya, bas kudin tafiya ko mota, rance misali
- Make a jerin wasu kudi dole ka biya: inshora, gyara takardar kudi, makaranta kudi
- Jerin nawa ka bukatar ka ajiye: misali za ka so ka ajiye kudi domin gaggawa da kuma ajiye har ga sayayya ko don tafiya
- Add wani adadin for nisha ko wasu abubuwa da kuke so ku ciyar a kan. Kamar tuna da shi shi ne mai hikima saya da abubuwan da kuke bukata kafin abubuwa kana so!
- 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!
Idan samun kudin shiga ba rufe duk halin kaka, kasafin kudin da aka ba adalci. Idan ba za ka iya kara samun kudin shiga, za ka bukatar ka sare kan kudi inda za ku iya.
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.
Ajiye kudi da kuma ci gaba da records
Save money and keep records
Idan kana da wasu kudi bar kan bayan ka kudi an rufe, fara ceton! Hanya mafi kyau don ajiye kudi ne ta hanyar sa shi a cikin tanadi asusun. Za ka iya amfani da kudin ajiya idan kana da gaggawa. Masana sun bayar da shawarar da ka ƙirƙiri wani asusun gaggawa daidaita zuwa watanni shida’ kudi a taron ka rasa aikinku ko samun rauni. Bayan ka gina up gaggawa asusun, sa'an nan ka iya ajiye kudi a yi wani abu fun, kamar je a kan wani hutu tare da iyali, ko kuma saya wani abu na musamman.
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.
Tabbatar biya duk your takardar kudi a kan lokaci haka da cewa ba ka da biya wani marigayi kudade. Ku kiyaye dukan of your muhimmanci receipts da records na yadda kuka ciyar da kudi a daya akwatin, aljihun tebur ko fayil.
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.
Credit nufin aron kudi daga banki ko bashi jam'iyya da kuma biyan shi daga baya. A lokacin da ka ara kudi ta amfani da bashi, za ka biya sha'awa, ko wani kudin domin aron kudi.
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.
Yana da muhimmanci a biya duk your takardar kudi a kan lokaci haka da cewa ka kare bashi. Idan kana so ka saya gidan wata rana, za ka iya bukatar yin amfani da bashi. Za ka iya koyi mafi game da katunan bashi da rance.
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.
Idan ka shawarta zaka samu wani katin bashi, kana bukatar ka yi hankali da su biya ka takardar kudi gaba ɗaya a kowane wata. Katunan bashi iya zama taimako amma sau da yawa cajin ka sosai high amfani idan ba ka biya su kashe kowane wata. Kada ku ciyar kudi fiye da kana da!
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!
Yi hankali lokacin da kake bada kudi ga mutane ba ku sani ba, musamman idan ka biya tare da tsabar kudi. Yana da kyau a samu wani dubawa asusu a banki ko bashi jam'iyya haka da cewa za ka iya biya da rajistan shiga sa'an nan kana da hujja na biyan your takardar kudi. Idan kana da biya tsabar kudi, ko da yaushe nemi a samu haka da cewa kana da hujja daga biyan bashin.
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.
Akwai wasu zamba (dabaru don yaudara mutane) cewa manufa mutanen da suke sabon ga wannan kasar da kuma bã su yin magana Turanci da kyau tukuna. Idan ka samu mail ko email cewa ya ce kana bukatar ka biya kudi mai yawa, ko da ka lashe kudi mai yawa, shi zai yi zamba ko karya ne. Duba tare da gidan waya, ka sa kai / shawarta, ko wani amintacce aboki ko makwabcin idan kun kasance m.
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.
Idan ka duba yiwuwar sayen ko zuba jari a cikin, ko biyan kudin wani abu, shi ne m zuwa neman yarjejeniyar a rubuce, ko kuwa a ce kana bukatar ka yi magana da mijinki ko tunani game da tayin. Kada ka ji pressured biya babban adadin kudi ba tare da takardun ko lokacin da za a nemi shawara.
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.
A USA, kowa da kowa yana da ake bukata domin bayar da rahoton da Afrilu 15 a kowace shekara nawa samun kudin shiga da suka samu a shekara kafin. Wannan rahoto da aka kira wani haraji samu. Za ka iya bashi haraji a kan cewa samun kudin shiga. Haraji ne kudi da ka biya gwamnatin ga jama'a da sabis da ka karɓi, kamar makaranta for your yara da kuma hanyoyi don fitar a kan. Za ka iya koyi mafi game da haraji da kuma yadda za a biya haraji. Dangane da nawa kudi za ka yi, duk da haka, za ka iya sami wani maida (kudi da baya daga gwamnatin) a kan haraji ka riga biya a lokacin da shekara.
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.
Lokacin da ka karɓi paycheck, wasu kudi za a dauka daga gare shi, ya rufe wasu haraji. Aikinka zai ci gaba da wasu kudi daga paycheck ba ga gwamnati a madadinku. Wannan kira kaki haraji. Wannan ya hada da jihar da kuma tarayya haraji, rashin aikin yi da inshora da kuma jin dadin jama'a, wanda shi ne tanadi domin ritaya ko tawaya.
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.