Ua ib tug nyiaj txiag kom txuag tau nyiaj

English kujTsis English

Ib tug nyiaj txiag yog ib qho kwv yees ntau npaum li cas cov nyiaj uas koj muaj txhua txhua lub hli thiab ntau npaum li cas cov nyiaj uas koj yuav tsum tau them rau nqi xauj tsev, hlauv taws xob, khoom noj khoom haus, tsheb thauj mus los, khaub ncaws, thiab lwm yam. Nws yuav pab koj xyuas seb dab tsi koj yuav siv tsis tau khiav tawm ntawm cov nyiaj. Muaj ib pob nyiaj kuj yuav ua rau nws yooj yim kom txuag tau nyiaj.

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.
Yuav ua li cas kom txuag tau nyiaj, yees duab los ntawm Harsha KR, Creative Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Ua ib tug nyiaj txiag txhais tau tias kev tswj ntawm cov nyiaj koj. Qhov no yog tshwj xeeb tshaj yog ib qho tseem ceeb yog hais tias koj nyob rau ib tug tsawg nyiaj khwv tau los. Nyob rau hauv lub teb chaws USA, muaj ntau ntau cov neeg tau txais mus rau hauv cov teeb meem nrog cov nyiaj vim hais tias lawv siv ntau tshaj li lawv khwv tau.

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.

Yuav ua li cas yuav ua rau ib cov nyiaj

How to make a budget

Tsim koj cov nyiaj txiag nyob ib ncig ntawm koj daim tshev. Yog koj them nyiaj txhua lub lis piam, txhua txhua ob lub lis piam, los yog koj txhua hli? Ua koj cov nyiaj txiag nyob ib ncig ntawm koj tus neeg them sij hawm.

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

  • Sau koj cov nyiaj los yog txhua lub limtiam nyiaj khwv tau los
  • Ua ib daim ntawv teev txhua hli los yog txhua lub limtiam cov nuj nqis: khoom noj khoom haus, hlauv taws xob, nqi xauj tsev, caij npav los yog tsheb nyiaj txais rau Piv txwv li
  • Ua ib daim ntawv teev lwm yam nuj nqis koj yuav tau them: kev tuav pov hwm, kho cov nqi kho mob, lub tsev kawm ntawv cov kev siv nyiaj
  • Sau ntau npaum li cas koj yuav tsum muab tso rau ib sab: Piv txwv li koj yuav xav kom txuag tau nyiaj rau thaum muaj xwm txheej thiab txuag tau li rau kev yuav khoom los yog mus txawv tebchaws
  • Ntxiv ib qho kev nqi rau kev lom zem los yog lwm yam uas koj xav tau los yog siv nyob rau hauv. Cia li nco ntsoov nws yog paub qab hau mus yuav tej yam uas koj xav tau ua ntej tej yam uas koj xav!
  • 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!

Yog hais tias koj cov nyiaj khwv tau tsis them tag nrho koj cov nqi, koj cov nyiaj txiag tsis yog balanced. Yog hais tias koj muaj peev xwm tsis nce koj cov nyiaj, koj yuav tsum tau txiav cia nyob rau cov nuj nqis uas koj tau.

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.

Txuag tau nyiaj thiab kom cov ntaub ntawv

Save money and keep records

Yog hais tias koj muaj ib co nyiaj seem tom qab koj cov nuj nqis yuav them, pib txuag! Qhov zoo tshaj plaws txoj kev uas yuav txuag tau nyiaj yog los ntawm muab nws rau hauv koj lub txhab nyiaj. Koj yuav siv tau koj cov nyiaj khaws tseg, yog hais tias koj muaj ib qho xwm txheej ceev. Kws txawj pom zoo kom koj ua ib tug thaum muaj xwm ceev nyiaj sib npaug zos rau rau lub hlis’ cov nuj nqis nyob rau hauv cov kev tshwm sim rau koj poob koj txoj hauj lwm los yog tau txais raug mob. Tom qab koj tau ua li ib qho xwm ceev nyiaj, ces koj yuav txuag tau nyiaj ua ib yam dab tsi lom zem, zoo li mus nyob rau ib so nrog koj tsev neeg los yog yuav ib yam dab tsi tshwj xeeb.

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.

Nco ntsoov them tag nrho cov ntawm koj cov nqi rau lub sij hawm uas koj tsis tau them tej nqi lig. Khaws tag nrho cov ntawm koj tseem ceeb receipts thiab cov ntaub ntawv ntawm yuav ua li cas koj siv koj cov nyiaj nyob rau hauv ib lub thawv, tub rau khoom los yog cov ntaub ntawv.

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

Credit

Credit txhais tau tias txais nyiaj los ntawm lub tsev txhab nyiaj los yog credit union thiab them nws rov qab tom qab. Thaum koj qiv nyiaj siv credit, koj yuav tau them paj laum, los yog ib tug nqi rau txais cov nyiaj.

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.

Nws yog ib qho tseem ceeb rau them tag nrho cov ntawm koj cov nqi rau lub sij hawm kom koj tiv thaiv koj cov credit. Yog hais tias koj xav mus yuav ib tug lub tsev ib hnub, tej zaum koj yuav tsum tau siv credit. Koj yuav kawm tau ntau ntxiv txog credit cards thiab cov nyiaj qiv.

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.

Yog hais tias koj txiav txim siab mus yuav tau ib tug credit card, koj yuav tsum tau ceev faj heev kom them koj cov nuj nqi nkaus txhua lub hli. Credit card yuav pab tau tab sis feem ntau them koj heev paj yog koj tsis them nyiaj rau lawv tawm txhua txhua lub hli. Tsis txhob siv nyiaj ntau dua koj muaj!

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!

dag

Fraud

Ceev faj thaum koj muab nyiaj rau cov neeg koj tsis paub, tshwj xeeb tshaj yog yog hais tias koj them nyaj ntsuab. Nws yog zoo dua kom tau ib tug xyuas account ntawm ib lub txhab nyiaj los yog credit union yog li ntawd koj yuav tau them los ntawm check thiab ces koj muaj pov thawj ntawm kev them nqi koj cov nuj nqi. Yog hais tias koj yuav tau them cov nyiaj ntsuab, yeej ib txwm hais rau ib tug tau txais daim ntawv kom koj muaj pov thawj ntawm kev them nyiaj.

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.

Muaj ib co dag (tricks khib lav cov neeg) uas lub hom phiaj cov neeg uas tuaj tshiab rau teb chaws no thiab tsis txawj hais lus Askiv zoo tsis tau. Yog hais tias koj tau txais xa ntawv los yog email uas hais tias koj yuav tsum tau them ib tug ntau ntawm cov nyiaj los yog hais tias koj yeej muaj ib tug ntau ntawm cov nyiaj, tej zaum yuav ib tug kws txuj ci dag los yog fake. Mus saib lub post office, koj pab dawb / cob, los yog ib tug phooj ywg zoo los yog tus neeg nyob ze tias koj tsis paub.

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.

Yog hais tias koj xav yuav los yog investing nyob rau hauv, los yog them rau ib yam dab tsi, nws yog tau thov kev pom zoo nyob rau hauv kev sau ntawv, los yog mus rau hais tias koj yuav tsum tham nrog koj tus txij nkawm los yog xav txog qhov kev. Tsis txhob xav tias pressured kom them ib tug loj npaum li cas ntawm cov nyiaj tsis muaj ntaub ntawv los yog lub sij hawm mus nug rau tswv yim.

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.

Nqi Se

Taxes

Nyob rau hauv lub teb chaws USA, txhua leej txhua tus yuav tsum hais qhia los ntawm lub Plaub Hlis 15 txhua txhua xyoo ntau npaum li cas nyiaj khwv tau los uas lawv tau txais nyob rau hauv lub xyoo ua ntej. Hais tias tsab ntawv ceeb toom no yog hu ua ib tug se. Tej zaum koj yuav tshuav se rau uas cov nyiaj khwv tau. Se yog cov nyiaj uas koj them tsoom fwv rau cov pej xeem cov kev pab cuam uas koj tau txais, zoo li lub tsev kawm ntawv rau koj cov me nyuam thiab cov kev tsav rau. Koj yuav kawm tau ntau ntxiv txog se thiab yuav ua li cas them se. Nyob ntawm seb ntau npaum li cas cov nyiaj uas koj ua, Txawm li cas los, tej zaum koj yuav tau txais cov nyiaj ua se (cov nyiaj rov qab los ntawm tsoom fwv) rau cov nyiaj ua se koj twb them thaum lub sij hawm lub xyoo.

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.

Thaum koj tau txais ib daim tshev, ib co nyiaj yuav tsum tau noj tawm ntawm nws mus rau tej se. Koj lub chaw haujlwm yuav kom ib co nyiaj los ntawm koj daim tshev los muab rau tus tsoom fwv nyob rau hauv koj sawv cev. Qhov no hu ua txiav se. Qhov no muaj xws li lub xeev thiab tsoom fwv teb chaws se, nyiaj poob hauj lwm tuav pov hwm thiab kev sib raug zoo ruaj ntseg, uas yog nyiaj rau ua hauj lwm los yog kev tsis taus.

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" kev pab cuam.
Qhov no yog ib cov qauv daim tshev los ntawm lub Wells Fargo “Tes rau Banking” kev pab cuam.
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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