お金を節約する予算を作る

また英語します。いいえ英語

予算は推定どの位お金が毎月あるし、支払う必要がありますどのくらいのお金を借りる, ユーティリティ, 食品, 交通, 衣料品, など. それはあなたを助けるお金を使い果たすことがなく過ごすことができますを把握. 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.
お金を節約する方法, ハーシャ KR による写真, 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. アメリカで, 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: 食品, ユーティリティ, 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!
  • 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. 緊急事態があればあなたの貯蓄を使用することができます。. 専門家は緊急の資金を 6 ヶ月に等しい作成をお勧めします’ あなたはあなたの仕事を失ったり、怪我イベント費. 緊急基金をビルドした後, 何かを節約することができますし、楽しい, あなたの家族との休暇に行く特別な何かを購入するか.

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.

遅延料金を支払う必要はありません、時間のあなたの手形すべてを支払うことを確認してください。. すべてのあなたの重要な領収書と 1 つのボックスにあなたのお金を過ごす方法の記録を維持します。, 引き出しやファイル.

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.

クレジット

Credit

クレジットは、銀行や信用組合からお金を借りると、それを払って、後ほど意味します。. クレジット カードを使用してお金を借りるとき, 利息を支払う必要, または、お金を借りるための料金.

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.

あなたの信用を保護するように時間をあなたの手形すべてを支払うことが重要です。. 1 日家を購入したい場合, クレジット カードを使用する必要があります。. 学ぶことができます。 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.

クレジット カードを取得する場合, 毎月完全あなたの手形を支払うために非常に注意する必要があります。. クレジット カードは役に立つが、毎月それらを払っていない場合をしばしばあなたに非常に高い関心を充電. あなたが持っているより多くのお金を費やすことはありません。!

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!

詐欺

Fraud

かわからない人にお金を与える場合に注意します。, 現金で支払っている場合は特に. あなたが小切手で支払うことができ、あなたの手形を支払うことの証明をして、銀行や信用組合の当座預金口座を取得することをお勧め. 現金でお支払いした場合, お支払いの証明があるので常に領収書を求める.

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.

いくつかの詐欺します。 (人をだますためのトリック) 新しいこの国にもまだ英語を話すことは、人をターゲットします。. たくさんのお金を獲得したメールを取得または e メールは、あなたがお金の多くを支払う必要がある場合, それは詐欺である可能性がありますまたは偽. 郵便局に確認してください。, ボランティア/メンター, 信頼できる友人や隣人がわからない場合.

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.

買うか、または投資を検討している場合, または何かを支払うこと, 書面での契約を要求する許容範囲です。, またはあなたの配偶者と話をしたり、提供について考える必要がありますと言う. マニュアルやアドバイスを求める時間なしお金の大きな金額を支払うに圧力をかけられて感じることはありません。.

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.

税金

Taxes

アメリカで, 皆は 4 月までに報告する必要が 15 every year how much income they received in the year before. そのレポートは確定申告と呼ばれる. You may owe taxes on that income. 税金は、公共サービスのための政府が支払うお金, あなたの子供や道路で運転するための学校のような. 学ぶことができます。 more about taxes and how to pay taxes. に応じてどのように多くのお金をします。, しかし, 払い戻しを受け取ることがあります。 (政府からのお金) 税年の間に支払われる既に.

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.

給料を受取るとき, いくつかのお金は、一定の税金をカバーするそれのうち取られる. 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, 退職や障害者のための貯蓄であります。.

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" プログラム.
This is a sample paycheck from the Wells Fargo “銀行上の手” プログラム.
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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