Kufanya bajeti ya kuokoa fedha

Kiingereza piaKiingereza hakuna

Bajeti ni makisio ya fedha kiasi gani una kila mwezi na fedha kiasi gani unahitaji kulipa kodi, huduma, chakula, usafirishaji, nguo, nk. Itakusaidia kufikiri nini unaweza kutumia bila kukimbia nje ya fedha. Kuwa na bajeti pia hurahisisha kuokoa fedha.

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.
Jinsi ya kuokoa fedha, picha na Harsha KR, Creative Commons
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, Creative Commons

Kufanya njia ya bajeti kuchukua udhibiti wa pesa zako. Hii ni muhimu hasa kama wewe wanaishi kujipatia mapato. Katika Marekani, watu wengi wengi huingia taabani kutokana na fedha kwa sababu wanatumia zaidi ya wao kulipwa.

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.

Jinsi ya kutengeneza bajeti

How to make a budget

Unda bajeti yako karibu yako anaweza. Ni kulipwa kwa kila wiki, kila wiki mbili, au wewe kila mwezi? Kufanya bajeti yako karibu hedhi zako malipo.

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

  • Andika mapato yako kila mwezi au kila wiki
  • Tengeneza orodha ya gharama za kila mwezi au kila wiki: chakula, huduma, kodi, basi mkopo nauli au gari kwa mfano
  • Tengeneza orodha ya gharama nyingine utalazimika kulipa: bima, kurekebisha miswada, gharama za shule
  • Orodhesha kiasi gani unahitaji kuweka kando: kwa mfano, unataka kuokoa fedha kwa ajili ya dharura na Hifadhi kwa manunuzi au kwa ajili ya kusafiri
  • Ongeza kiasi kwa ajili ya burudani au mambo mengine, unataka kutumia katika. Kumbuka tu ni busara kununua vitu unahitaji kabla mambo unayotaka!
  • 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!

Kama mapato yako kufidia gharama zako zote, bajeti yako ni uwiano. Kama haiwezi kuongeza mapato yako, unahitaji kukata juu ya gharama ambapo unaweza.

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.

Kuokoa fedha na kuweka kumbukumbu

Save money and keep records

Kama una pesa kushoto baada ya matumizi yako ni kufunikwa, Anza kuhifadhi! Njia bora ya kuhifadhi fedha ni kwa kuweka katika akaunti ya akiba. Unaweza kutumia akiba yako kama una dharura. Wataalam kupendekeza kuunda mfuko wa dharura sawa na miezi sita’ gharama katika tukio la kupoteza kazi yako au kupata kujeruhiwa. Baada ya kuwa kujengwa na mfuko wa dharura, basi unaweza kuokoa fedha kufanya kitu furaha, kama kwenda juu ya likizo na familia yako au kununua kitu maalum.

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.

Hakikisha kulipa bili zote kwa wakati ili kwamba huna kulipa ada yoyote ya kuchelewa. Kuweka risiti yako muhimu yote na rekodi ya jinsi ya kutumia pesa zako katika kikasha kimoja, droo au faili.

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.

Mikopo

Credit

Mikopo maana kukopa fedha kutoka benki au SACCO na kulipa nyuma baadaye. Wakati unaweza kukopa fedha kutumia mikopo, utakuwa kulipa riba, au ada kwa ajili ya kukopa fedha.

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.

Ni muhimu kulipa bili zote kwa wakati ili kulinda mkopo wako. Kama unataka kununua nyumba siku moja, Unaweza kuhitajika kutumia mikopo. Unaweza kujifunza zaidi kuhusu kadi za mikopo na mikopo.

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.

Kama wewe kuamua kupata kadi ya mkopo, unahitaji kuwa makini sana kulipa bili kabisa kila mwezi. Kadi za mkopo zinaweza kuwa na manufaa lakini mara nyingi malipo wewe riba ya juu sana kama unaweza kulipa yao mbali kila mwezi. Kutumia fedha zaidi kuliko wewe!

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!

Udanganyifu

Fraud

Kuwa makini wakati unatoa fedha kwa watu kujua, hasa kama wewe ni kulipa kwa fedha. Ni vizuri kupata akaunti ya Cheki katika benki au SACCO ili kwamba unaweza kulipa kwa ukaguzi na kisha una uthibitisho wa kulipa bili. Kama una kulipa fedha, kila wakati Uliza kwa risiti ili kwamba una ushahidi wa malipo.

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.

Kuna ulaghai baadhi (mbinu za kudanganya watu) kwamba lengo watu ambao ni wapya kwa nchi hii na kuongea Kiingereza vizuri bado. Kama unaweza kupata barua au barua pepe ambayo anasema unaweza kuhitaji kulipa mengi ya fedha au kwamba umeshinda pesa nyingi, inaweza kuwa kashfa au bandia. Kagua na posta, yako kujitolea/mshauri, au ukamleta rafiki au jirani kama huna uhakika.

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.

Kama wewe ni kuzingatia kununua au kuwekeza katika, au kulipa kwa ajili ya kitu, inakubalika kuomba makubaliano katika kuandika, au tuseme unahitaji kuzungumza na mwenzi wako au kufikiria kutoa. Kuhisi kushinikizwa kulipa kiasi kikubwa cha fedha bila stakabadhi au muda wa kuomba ushauri.

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.

Kodi

Taxes

Katika Marekani, kila mtu anatakiwa kuripoti kwa Aprili 15 kila mwaka mapato kiasi gani walipokea mwaka kabla ya. Ripoti hiyo inaitwa kodi kurudi. Wanaweza kutoa kodi ya mapato kwamba. Kodi ni pesa utakazolipa serikali kwa huduma za umma unaweza kupokea, kama shule kwa ajili ya watoto wako na barabara nipelekeni. Unaweza kujifunza zaidi kuhusu kodi na jinsi ya kulipa kodi. Kulingana na kiasi cha fedha kufanya, Hata hivyo, wanaweza kupokea marejesho ya (fedha kutoka serikali ya) kwenye kodi wewe tayari kulipwa wakati wa mwaka wa.

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.

Wakati unapokea anaweza na, baadhi ya fedha zitachukuliwa nje ya ya kufidia kodi fulani. Mwajiri wako kuweka kiasi cha fedha kutoka yako anaweza kutoa kwa serikali kwa niaba yako. Hii inaitwa kodi ya zuio. Hii inajumuisha hali na kodi ya shirikisho, ukosefu wa ajira bima na Hifadhi ya jamii, ambayo ni akiba kwa ajili ya kustaafu au ulemavu.

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" programu.
Hii ni anaweza sampuli kutoka Fargo visima “Mikono kwenye benki” programu.
Sample Paycheck from the Wells Fargo "Hands on Banking" program.
This is a sample paycheck from the Wells Fargo “Hands on Banking” program.

Jifunze zaidi

Learn more

Rasilimali nyingine

Other resources

Ukurasa huu alimsaidia wewe? Uso Unaocheka Ndio Frown uso La
Asante kwa maoni yako!