Fè yon bidjè pou ekonomize lajan

Angle touPa gen anglè

Yon bidje se yon estimasyon konbyen lajan ou gen chak mwa e konbyen lajan ou bezwen pou peye pou lwaye, sevis piblik, manje, transpòtasyon, rad, ets. Li pral ede ou konnen ki sa ou ka pase san yo pa kouri soti nan lajan. Eske ou gen yon bidje tou fe li pi fasil pou konseve pou lajan.

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.
Kijan pou konseve pou lajan, foto pa acha KR, Kreyatif komen yo
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Fe yon bidje vle di pran kontwol lajan ou. Sa a se espesyalman enpotan si ou ap viv sou yon revni limite. Nan Etazini, anpil moun antre nan pwoblem avek lajan paske yo pase plis pase sa yo touche.

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.

Kijan pou fe yon bidje

How to make a budget

Kreye bidje ou nan chek ou a. Eske ou peye chak semen, chak de semen, oswa ou chak mwa? Fe bidje ou nan peryod peman ou yo.

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

  • Ekri sou revni chak mwa ou oswa chak semen
  • Fe yon lis depans chak mwa oswa chak semen: manje, sevis piblik, Lwe, pri otobis oswa yon pre machin pou egzanp
  • Fe yon lis lot depans ou dwe peye: asirans, bodwo reparasyon, depans lekol
  • Lis konbyen lajan ou bezwen mete sou kote: pou egzanp ou pral vle pou konseve pou lajan pou ijans epi pou konseve pou acha oswa pou vwayaje
  • Ajoute yon kantite pou amizman oswa lot bagay ou vle depanse sou. Jis sonje li gen bon konprann pou achte bagay ou bezwen yo anvan bagay ou vle yo!
  • 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!

Si revni ou pa kouvri tout depans ou yo, bidje ou pa balanse. Si ou pa kapab ogmante revni ou, ou ap bezwen koupe sou depans ki kote ou ka.

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.

Ekonomize lajan epi kenbe dosye

Save money and keep records

Si ou gen kek lajan ki rete apre depans ou yo kouvri, komanse sove! Pi bon fason pou konseve pou lajan se pa mete li nan kont ekonomi ou. Ou kapab itilize ekonomi ou si ou gen yon ijans. Ekspe rekomande ou kreye yon fon dijans egal a sis mwa’ nan evenman ou pedi travay ou oswa pou ou blese. Apre ou fin bati yon fon ijans, le sa a, ou ka ekonomize lajan fe yon bagay plezi, tankou ale nan yon vakans ak fanmi ou oswa achte yon bagay espesyal.

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.

Asire ou peye tout bodwo ou sou tan pou ou pa gen pou peye nenpot fre ki gen reta. Kenbe tout resi enpotan ou ak dosye ou sou fason ou depanse lajan ou nan yon bwat, tiwa oswa dosye.

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.

Kredi

Credit

Kredi ki vle di prete lajan nan bank la oswa Inyon kredi epi li peye li pita. Le ou prete lajan le li sevi avek kredi, ou pral oblije peye entere, oswa yon fre pou prete lajan an.

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.

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. Ou ka aprann more about credit cards and loans.

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.

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!

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!

Fraud

Fraud

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.

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.

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.

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.

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.

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.

Taxes

Taxes

Nan Etazini, 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. Ou ka aprann more about taxes and how to pay taxes. Depending on how much money you make, Sepandan, you might receive a refund (money back from the government) on tax you already paid during the year.

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.

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.

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" pwogram.
This is a sample paycheck from the Wells Fargo “Men sou bank” pwogram.
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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