ເຮັດໃຫ້ງົບປະມານທີ່ຈະຊ່ວຍປະຢັດເງິນໄດ້

ພາສາອັງກິດຍັງNo ອັງກິດ

A ງົບປະມານເປັນການຄາດຄະເນຂອງຫຼາຍປານໃດທີ່ທ່ານມີທຸກເດືອນແລະຫຼາຍປານໃດທີ່ທ່ານຕ້ອງການທີ່ຈະຈ່າຍສໍາລັບການໃຫ້ເຊົ່າ, ງົບປະມານຂອງ, ອາຫານ, ຂົນສົ່ງ, ເຄື່ອງນຸ່ງຫົ່ມ, ແລະອື່ນໆ. ມັນຈະຊ່ວຍໃຫ້ທ່ານສະສິ່ງທີ່ທ່ານສາມາດໃຊ້ໂດຍບໍ່ມີການແລ່ນອອກຈາກເງິນ. Having a budget also makes it easier to save money.

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.
ວິທີການປະຫຍັດເງິນ, ຮູບລັກສະນະ Harsha KR, Creative Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

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

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.

How to make a budget

How to make a budget

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

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

  • Write down your monthly or weekly income
  • Make a list of monthly or weekly expenses: ອາຫານ, ງົບປະມານຂອງ, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: ການປະກັນໄພ, 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!
  • 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!

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.

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.

Save money and keep records

Save money and keep records

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. ທ່ານສາມາດນໍາໃຊ້ເງິນຝາກປະຢັດຂອງທ່ານຖ້າຫາກວ່າທ່ານມີເຫດສຸກເສີນ. ຊ່ຽວຊານແນະນໍາໃຫ້ທ່ານສ້າງເປັນກອງທຶນສຸກເສີນເທົ່າທຽມກັນກັບຫົກເດືອນ’ ຄ່າໃຊ້ຈ່າຍໃນກໍລະນີທີ່ທ່ານສູນເສຍວຽກເຮັດງານທໍາຂອງທ່ານຫຼືໄດ້ຮັບບາດເຈັບ. ຫຼັງຈາກທີ່ທ່ານໄດ້ສ້າງຂຶ້ນເປັນກອງທຶນສຸກເສີນ, ຫຼັງຈາກນັ້ນທ່ານສາມາດຊ່ວຍປະຢັດເງິນເພື່ອເຮັດແນວໃດບາງສິ່ງບາງຢ່າງສະຫນຸກສະຫນານ, ຄືໄປພັກທີ່ມີຄອບຄົວຂອງທ່ານຫຼືຊື້ບາງສິ່ງບາງຢ່າງພິເສດ.

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.

ເຮັດໃຫ້ແນ່ໃຈວ່າຈະຈ່າຍທັງຫມົດຂອງໃບບິນຄ່າຂອງທ່ານກ່ຽວກັບການທີ່ໃຊ້ເວລາດັ່ງນັ້ນທ່ານບໍ່ຈໍາເປັນຕ້ອງຈ່າຍຄ່າທໍານຽມທ້າຍໃດ. ໃຫ້ເກັບຮັກສາທັງຫມົດຂອງໃບສໍາຄັນຂອງທ່ານແລະການບັນທຶກຂອງວິທີທີ່ທ່ານໃຊ້ເງິນຂອງທ່ານຢູ່ໃນຫ້ອງ, drawer ຫຼືເອກະສານ.

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.

ເຄດິດ

Credit

ເຄດິດຫມາຍຄວາມວ່າການກູ້ຢືມເງິນຈາກທະນາຄານຫຼືການປ່ອຍສິນເຊື່ອສະຫະພາບແລະການຈ່າຍມັນກັບຄືນໄປບ່ອນໃນພາຍຫລັງ. ໃນເວລາທີ່ທ່ານຢືມເງິນການນໍາໃຊ້ສິນເຊື່ອ, ທ່ານຈະຕ້ອງຈ່າຍຄ່າຄວາມສົນໃຈ, ຫຼືຄ່າທໍານຽມສໍາລັບການກູ້ຢືມເງິນໄດ້.

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.

ມັນເປັນສິ່ງສໍາຄັນທີ່ຈະຈ່າຍທັງຫມົດຂອງໃບບິນຄ່າຂອງທ່ານກ່ຽວກັບການທີ່ໃຊ້ເວລາດັ່ງນັ້ນທ່ານປົກປັກຮັກສາເຄດິດຂອງທ່ານ. ຖ້າຫາກວ່າທ່ານຕ້ອງການທີ່ຈະຊື້ເຮືອນເປັນວັນຫນຶ່ງ, ທ່ານອາດຈະຈໍາເປັນຕ້ອງໄດ້ນໍາໃຊ້ສິນເຊື່ອ. ທ່ານສາມາດຮຽນຮູ້ 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.

ຖ້າຫາກວ່າທ່ານຕັດສິນໃຈເພື່ອໃຫ້ໄດ້ຮັບບັດເຄຣດິດໄດ້, ທ່ານຈໍາເປັນຕ້ອງໄດ້ລະມັດລະວັງຫຼາຍເພື່ອຈ່າຍຄ່າໃບບິນຄ່າຂອງທ່ານທັງຫມົດໃນແຕ່ລະເດືອນ. ບັດເຄຣດິດສາມາດຈະເປັນປະໂຫຍດແຕ່ມັກຈະຄິດຄ່າບໍລິຄວາມສົນໃຈສູງທີ່ສຸດຖ້າຫາກວ່າທ່ານບໍ່ຈ່າຍໃຫ້ເຂົາເຈົ້າໄປທຸກໆເດືອນ. ບໍ່ໃຊ້ເງິນຫຼາຍກ່ວາທ່ານມີ!

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!

ສໍ້ໂກງ

Fraud

ລະມັດລະວັງໃນເວລາທີ່ທ່ານກໍາລັງໃຫ້ເງິນກັບຄົນທີ່ທ່ານບໍ່ຮູ້ວ່າ, ໂດຍສະເພາະແມ່ນຖ້າຫາກວ່າທ່ານກໍາລັງຈ່າຍດ້ວຍເງິນສົດ. ມັນເປັນທີ່ດີກວ່າເພື່ອໃຫ້ໄດ້ຮັບບັນຊີກວດສອບທີ່ເປັນທະນາຄານຫຼືການປ່ອຍສິນເຊື່ອສະຫະພາບດັ່ງນັ້ນທ່ານສາມາດຈ່າຍເງິນໂດຍການກວດກາແລະຫຼັງຈາກນັ້ນທ່ານມີຫຼັກຖານສະແດງການຈ່າຍໃບບິນຄ່າຂອງທ່ານ. ຖ້າຫາກວ່າທ່ານຕ້ອງຈ່າຍເງິນສົດ, ສະເຫມີຂໍໃຫ້ມີການຮັບເປັນດັ່ງນັ້ນທ່ານມີຫຼັກຖານສະແດງການຈ່າຍເງິນ.

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.

ມີການສົ່ງເສີມການຈໍານວນຫນຶ່ງແມ່ນ (tricks ທີ່ຈະໂກງຄົນ) ທີ່ປະຊາຊົນເປົ້າຫມາຍທີ່ຍັງໃຫມ່ກັບປະເທດນີ້ແລະບໍ່ສາມາດເວົ້າພາສາອັງກິດໄດ້ດີທັນ. ຖ້າຫາກວ່າທ່ານໄດ້ຮັບ mail ຫຼືອີເມລ໌ທີ່ບອກວ່າທ່ານຈໍາເປັນຕ້ອງໄດ້ຈ່າຍເງິນຈໍານວນຫລາຍຫລືວ່າທ່ານຊະນະຢ່າງຫຼາຍຂອງການເງິນເປັນ, ມັນອາດຈະເປັນການຫລອກລວງຫລືປອມ. ກວດສອບການມີຫ້ອງການໄປສະນີ, ອາສາສະຫມັກຂອງທ່ານ / ພີ່ລ້ຽງ, ຫລືເພື່ອນທີ່ໄວ້ໃຈຫຼືຄົນໃກ້ຄຽງຖ້າຫາກວ່າທ່ານບໍ່ແນ່ໃຈ.

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.

ຖ້າຫາກວ່າທ່ານກໍາລັງພິຈາລະນາຊື້ຫຼືການລົງທຶນໃນ, ຫຼືຈ່າຍສໍາລັບບາງສິ່ງບາງຢ່າງ, ມັນເປັນທີ່ຍອມຮັບການຮ້ອງຂໍໃຫ້ສໍາລັບຂໍ້ຕົກລົງໃນລາຍລັກອັກສອນ, ຫລືຈະເວົ້າວ່າທ່ານຕ້ອງການທີ່ຈະສົນທະນາກັບຄູ່ສົມລົດຂອງທ່ານຫຼືຄິດວ່າຂໍ້ສະເຫນີຂອງ. ບໍ່ມີຄວາມຮູ້ສຶກຖືກກົດດັນໃຫ້ຈ່າຍເປັນຈໍານວນເງິນຂະຫນາດໃຫຍ່ຂອງເງິນໂດຍບໍ່ມີການເອກະສານຫລືເວລາທີ່ຈະຮ້ອງຂໍໃຫ້ມີຄໍາແນະນໍາ.

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.

ພາສີອາກອນ

Taxes

ຢູ່ອາເມລິກາ, ທຸກຄົນຈໍາເປັນຕ້ອງມີການລາຍງານໃນເດືອນມີນາ 15 every year how much income they received in the year before. ບົດລາຍງານທີ່ຖືກເອີ້ນວ່າໃບແຈ້ງພາສີ. You may owe taxes on that income. ພາສີອາກອນແມ່ນເງິນທີ່ທ່ານຈ່າຍຂອງລັດຖະບານສໍາລັບການບໍລິການສາທາລະນະທີ່ທ່ານໄດ້ຮັບ, ຄືໂຮງຮຽນສໍາລັບເດັກນ້ອຍແລະຖະຫນົນຫົນທາງທີ່ຈະຂັບລົດຂອງທ່ານກ່ຽວກັບ. ທ່ານສາມາດຮຽນຮູ້ more about taxes and how to pay taxes. ຂຶ້ນຢູ່ກັບວິທີການເງິນຫຼາຍປານໃດທີ່ທ່ານເຮັດໃຫ້, ຢ່າງໃດກໍຕາມ, ທ່ານອາດຈະໄດ້ຮັບເງິນຈ່າຍຄືນໄດ້ (ເງິນກັບຄືນໄປບ່ອນຈາກລັດຖະບານ) ກ່ຽວກັບພາສີທີ່ທ່ານຈ່າຍເງິນໄປແລ້ວໃນໄລຍະປີ.

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.

ໃນເວລາທີ່ທ່ານໄດ້ຮັບການຈ່າຍເງິນ, ເງິນຈະໄດ້ຮັບການປະຕິບັດອອກຈາກຂອງມັນເພື່ອໃຫ້ກວມເອົາພາສີສະເພາະໃດຫນຶ່ງ. 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, ຊຶ່ງເປັນເງິນຝາກປະຢັດສໍາລັບການເງິນກະສຽນວຽກຫຼືຄວາມພິການ.

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" ໂຄງການ.
This is a sample paycheck from the Wells Fargo “ມືກ່ຽວກັບການທະນາຄານ” ໂຄງການ.
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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ບໍ່ຫນ້ານີ້ຊ່ວຍໃຫ້ທ່ານ? ໃບຫນ້າຍິ້ມ Yes ໃບຫນ້າ frown No
ຂໍ​ຂອບ​ໃຈ​ທ່ານ​ສໍາ​ລັບ​ການ​ຕໍາ​ນິ​ຕິ​ຊົມ​ຂອງ​ທ່ານ​!