Nyieun anggaran nyimpen duit

Inggris ogéTaya basa Inggris

anggaran A mangrupa estimasu sabaraha duit nu kudu unggal bulan na sabaraha duit nu kudu mayar nyewa, Utiliti, kadaharan, kandaraan, baju, jsb. Eta bakal nulungan urang angka kaluar naon anjeun tiasa méakkeun tanpa ngajalankeun kaluar duit. Gaduhan anggaran ogé ngajadikeun eta gampang nyimpen duit.

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.
Kumaha nyimpen duit, poto ku Harsha KR, kreatif Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Nyieun anggaran hartina nyokot kadali duit Anjeun. Ieu hususna penting lamun anjeun aya kénéh dina panghasilan kawates. Di AS, loba loba jalma meunang kana kasulitan mawa duit lantaran méakkeun leuwih ti aranjeunna 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.

Kumaha sangkan anggaran

How to make a budget

Jieun anggaran Anjeun sabudeureun paycheck Anjeun. Anjeun dibayar mingguan, unggal dua minggu, atawa anjeun bulanan? Jieun anggaran Anjeun sabudeureun perioda bayar Anjeun.

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

  • Tulis handap panghasilan bulanan atawa mingguan Anjeun
  • Jieun daptar expenses bulanan atawa mingguan: kadaharan, Utiliti, nyewa, beus ongkos atawa injeuman mobil contona
  • Jieun daptar expenses sejenna maneh kudu mayar: asuransi, tagihan perbaikan, expenses sakola
  • Daptar sabaraha anjeun kedah nyimpen kumisan: contona anjeun bakal hoyong ngahemat duit emergencies sarta simpen up for purchases atawa keur perjalanan
  • Nambahkeun jumlah keur hiburan atawa hal lianna rék méakkeun dina. Ngan apal éta wijaksana meuli hal nu peryogi saméméh hal rék!
  • 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!

Mun panghasilan Anjeun teu nutupan kabeh biaya Anjeun, anggaran Anjeun teu saimbang. Lamun teu bisa ngaronjatkeun panghasilan Anjeun, anjeun bakal kudu ditegor on expenses dimana anjeun tiasa.

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.

Nyimpen duit na tetep rékaman

Save money and keep records

Upami Anjeun gaduh sababaraha duit ditinggalkeun leuwih sanggeus expenses anjeun nu ditutupan, ngamimitian nyimpen! Cara pangalusna pikeun nyimpen duit téh ku putting kana rekening tabungan Anjeun. Anjeun tiasa make tabungan Anjeun upami Anjeun gaduh kaayaan darurat. Ahli nyarankeun Anjeun nyieun hiji dana darurat sarua genep bulan’ expenses dina acara nu leungit proyek Anjeun atawa neangan luka. Saanggeus diwangun nepi hiji dana darurat, mangka anjeun bisa nyimpen duit pikeun ngalakukeun hiji hal senang, kawas balik dina pakansi kalayan kulawarga anjeun atanapi mésér hal husus.

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.

Pastikeun mayar sakabéh tagihan Anjeun dina waktos ku kituna anjeun teu kudu mayar sagala waragad telat. Tetep sakabéh kuitansi penting anjeun sarta rékaman tina kumaha anjeun méakkeun duit anjeun dina hiji kotak, laci atanapi file.

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.

kiridit

Credit

Kiridit hartina injeuman duit ti bank atawa kiridit rugbi jeung Mayar deui engké. Lamun anjeun nginjeum duit maké kiridit, Anjeun kudu mayar bunga, atawa fee keur injeuman duit.

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.

Kadé mayar sakabéh tagihan Anjeun dina waktos jadi nu ngajaga kiridit Anjeun. Upami anjeun hoyong meuli imah hiji hiji poé, Anjeun bisa jadi kudu make kiridit. Anjeun tiasa diajar langkung seueur ngeunaan kartu kiridit na gajian.

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.

Lamun mutuskeun pikeun meunangkeun kartu kiridit, Anjeun kudu jadi ati pisan mayar tagihan anjeun sagemblengna tiap bulan. kartu kiridit tiasa mantuan tapi sering ngeusi batre Anjeun dipikaresep pisan tinggi lamun teu mayar aranjeunna kaluar unggal bulan. Ulah méakkeun leuwih duit ti anjeun gaduh!

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!

tipuan

Fraud

Kudu ati nalika anjeun mere duit ka jalma nu teu nyaho, utamana lamun anjeun Mayar kalayan kontan. Éta hadé pikeun meunangkeun akun mariksa di bank atawa kiridit union ku kituna anjeun bisa mayar ku dipariksa lajeng anjeun boga bukti Mayar tagihan Anjeun. Lamun kudu mayar kontan, salawasna menta resi a sangkan nu boga bukti pembayaran.

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.

Aya sababaraha scams (trik keur curang jalma) yén udagan jalma anu anyar pikeun nagara ieu sareng teu nyarita basa Inggris ogé acan. Mun anjeun meunang mail atanapi email nu nyebutkeun nu peryogi mayar loba duit atawa nu meunang loba duit, eta bisa jadi hiji scam atanapi palsu. Pariksa kalayan kantor pos, volunteer anjeun / mentor, atawa sobat atawa tatangga dipercanten lamun aya 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.

Mun anjeun tempo meuli atawa investasi dina, atanapi Mayar pikeun hal, éta bisa ditarima mun menta perjangjian aya tulisan, atawa ngomong nu peryogi ngobrol salaki anjeun atanapi pikir ngeunaan tawaran. Ulah ngarasa pressured mayar loba duit tanpa dokuméntasi atawa waktu keur ménta papatah.

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.

pajeg

Taxes

Di AS, dulur anu diperlukeun pikeun ngalaporkeun ku April 15 unggal taun sabaraha panghasilan aranjeunna nampi dina taun sateuacan. Laporan nu disebut mulang pajeg. Anjeun bisa ngahutang pajeg dina panghasilan nu. Pajeg anu duit nu mayar pamaréntah pikeun layanan publik Anjeun nampa, kawas sakola pikeun barudak anjeun sarta jalan ngajalankeun on. Anjeun tiasa diajar langkung seueur ngeunaan pajeg na kumaha carana mayar pajeg. Gumantung kana sabaraha duit nu ngadamel, kumaha, Anjeun bisa nampa ngabalikeun duit a (duit deui tina pamaréntah) on pajeg anjeun geus dibayar salila sataun.

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.

Sawaktos Anjeun nampa paycheck a, sawatara duit bakal dibawa kaluar ti eta pikeun nutupan pajeg tangtu. dunungan anjeun bakal tetep sababaraha duit ti paycheck anjeun pikeun masihan ka pamaréntah atas nama Anjeun. Ieu disebutna pajeg withholding. Ieu ngawengku pajeg kaayaan sarta féderal, asuransi pangangguran sarta kaamanan sosial, nu tabungan keur pangsiun atawa cacad.

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.
Ieu paycheck sampel tina Wells Fargo “Leungeun kana Perbankan” 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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Learn more

daya lianna

Other resources

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