Macht ein Budget um Geld zu sparen

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Ein Budget ist eine Schätzung wie viel Geld Sie jeden Monat haben und wie viel Geld Sie für zahlen müssen zu mieten, Dienstprogramme, Essen, Transport, Kleidung, etc.. Es wird Ihnen helfen herauszufinden, was Sie ohne genügend Geld ausgeben können. 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.
Wie man Geld sparen, Foto von 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. In den USA, 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: Essen, Dienstprogramme, mieten, bus fare or car loan for example
  • Make a list of other expenses you have to pay: Versicherung, 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. Wenn Sie einen Notfall haben, können Sie Ihre Ersparnisse. Experten empfehlen, dass Sie eine Notfall-Fonds gleich sechs Monate erstellen’ Aufwendungen für den Fall Sie Ihren Job verlieren oder verletzt. Nachdem Sie eine Notfall-Fonds aufgebaut haben, dann Sie Geld sparen, um etwas Spaß, Wie gehen Sie auf Urlaub mit Ihrer Familie oder etwas Besonderes zu kaufen.

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.

Achten Sie darauf, alle Ihre Rechnungen pünktlich zu bezahlen, so dass Sie keine Mahngebühren bezahlen. Halten Sie alle Ihre wichtigen Einnahmen und Aufzeichnungen über wie Sie Ihr in einer Box Geld, Schublade oder Datei.

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.

Kredit

Credit

Kredit bedeutet, dass Geld von der Bank oder Credit Union und bezahlen sie später zurück. Wenn Sie mit Kreditkarten Geld leihen, Du musst Zinsen zahlen, oder eine Gebühr für das Geld zu leihen.

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.

Es ist wichtig, alle Ihre Rechnungen pünktlich zu bezahlen, so dass Sie Ihr Guthaben schützen. Möchten Sie ein Haus kaufen, eines Tages, Möglicherweise müssen Sie Guthaben verwenden. You can learn 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.

Entscheiden Sie sich für eine Kreditkarte zu erhalten, Du musst sehr vorsichtig sein, Ihre Rechnungen vollständig jeden Monat zahlen. Kreditkarten können hilfreich sein, aber häufig aufladen Sie sehr hohe Zinsen, wenn Sie nicht sie jeden Monat zahlen. Geben Sie nicht mehr Geld als Sie haben aus!

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!

Betrug

Fraud

Seien Sie vorsichtig, wenn Sie Geld an Menschen geben, dass Sie nicht wissen, vor allem, wenn Sie mit Bargeld bezahlen. Es ist besser, ein Girokonto bei einer Bank oder Credit Union bekommen, so dass Sie per Scheck bezahlen können und dann Sie Beweis haben der Zahlung Ihrer Rechnungen. Wenn Sie bar bezahlen müssen, immer eine Quittung verlangen Sie, so dass Sie Zahlungsnachweis.

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.

Es gibt einige Betrügereien (Tricks, um Leute zu betrügen) die Personen ansprechen, die neu in dieses Land und auch noch kein Englisch sprechen. Wenn Sie e-Mail oder e-Mail, die sagt, dass Sie eine Menge Geld oder das bezahlen müssen gewann Sie eine Menge Geld, Es könnte ein Betrug oder fake. Erkundigen Sie sich bei der Post, Ihre freiwilligen/mentor, oder einem vertrauenswürdigen Freund oder Nachbarn, wenn Sie unsicher sind.

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.

Wenn Sie erwägen den Kauf oder die Investition in, oder für etwas zu bezahlen, Es ist akzeptabel, die Vereinbarung schriftlich beantragen, oder Sie sagen muss, sprechen Sie mit Ihrem Ehepartner oder denken über das Angebot. Fühlen Sie sich nicht unter Druck gesetzt, einen großen Geldbetrag ohne Dokumentation oder mal um Rat fragen.

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.

Steuern

Taxes

In den USA, Jeder ist verpflichtet, bis zum April melden 15 every year how much income they received in the year before. Dieser Bericht nennt man eine Steuererklärung abgeben. 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, jedoch, 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" Programm.
This is a sample paycheck from the Wells Fargo “Hands on Banking” Programm.
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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