كيفية وضع الميزانية
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.
عند أول وصولك إلى الولايات المتحدة ، ستتلقى دعمًا مادياً إما من المعونة النقدية للاجئين أو المعونة المؤقتة للأسر المحتاجة (مخيم التنف). يمكنك أيضًا الحصول على قسائم طعام أو بطاقة خصم لشراء الطعام. بمجرد العثور على وظيفة ، سوف تبدأ في الحصول على الراتب. قد ترغب في معرفة كيفية وضع الميزانية.
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
Create your budget around your paycheck. Are you paid weekly, every two weeks, or you monthly? Make your budget around your pay periods.
الائتمان يعني اقتراض الأموال من البنك أو اتحاد الائتمان ودفعها لاحقاً. عندما تقترض المال باستخدام الائتمان ، يجب عليك دفع فائدة ، أو رسوم مقابل استعارة المال.
- 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.
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. 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.
كن حذراً عن أعطاءك المال لأشخاص لا تعرفهم ، وخاصة إذا كنت تدفع نقداً. من الأفضل الحصول على حساب جاري في بنك أو اتحاد ائتماني بحيث يمكنك الدفع عن طريق الشيك ومن ثم يكون لديك دليل على دفع فواتيرك. إذا كان عليك الدفع نقدًا ، فأطلب دائمًا إيصالًا حتى يكون لديك إثبات للدفع.
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 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. You can learn more about credit cards and loans.
في الولايات المتحدة ، الجميع مطالبون بتقديم بيان او تقرير بحلول 15 أبريل من كل عام عن مقدار الدخل الذي حققته في العام السابق. يسمى هذا التقرير بـ الإقرار الضريبي. قد يدينون الضرائب على هذا الدخل. الضرائب هي المال الذي تدفعه للحكومة مقابل الخدمات العامة التي تتلقاها ، مثل المدرسة لأطفالك والطرق التي يجب عليك القيادة فيها. وبناءاً على مقدار المال الذي ستجنيه ، قد تحصل على رد أموال (أموال من الحكومة) على الضريبة التي دفعتها فعلياً خلال العام.
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!
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.
هناك العديد من المنظمات المختلفة التي تساعد اللاجئين على تقديم ضرائبهم. ابحث في صفحة الموارد المحلية الخاصة بـ RCO للعثور على مساعدة ضريبية بالقرب منك.
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.
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.