Making a budceya peran teserûf bike

English jîNo English

A budçeya texmînî ka çiqas pare tu her meh û çiqas perê te divê ji bo kirê bidin e, utilities, xûrek, neqlîye, lebas, hwd.. Ev dê alîkariya we karibin bibînin ka çi tu dikarî bê bez ji pereyan xerc. 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.
Ku çawa peran teserûf, photo by 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. Li DYA, 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: xûrek, utilities, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: sixorte, 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. Tu dikarî bi rezervên xwe eger we rewşeke acil bi kar tînin. Pispor pêşniyar dikin ku fona awarte ji bo şeş mehan de wekhev’ mesrefên ku di bûyerê de tu karê xwe wenda an get birîndar. Piştî ku tu ava kirine an kasa awarte, paşê tu pere ji bo tiştekî xweş, wek li tatîlan here bi malbata xwe an jî tiştekî bikirim taybet.

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.

Piştrast bike ku deynê hemû fatoreyên xwe di wextê de, da ku, tu ne gereke ku xercên dereng. Keep hemû tesbît û records yên giring te ka tu pereyên xwe xerc di yek box, berkêşkê an 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.

Krêdî

Credit

Credit maneya deyn pereyan ji banka an credit sendîkayê û dayîna ew piştî demekê dîsa. Gava ku tu peran deyn bikaranîna krediyê, hûn dê bi deynê faîzê, an xerca ji bo deyn pereyan.

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.

Ev girîng e, ji bo dayina hemû fatoreyên xwe di wextê de, da ku hûn parastina we ya krediyê. Heke tu dixwazî ​​xanî bikirin yek rojê de, ku dibe ku pêwîst ji bo bikaranîna krediyê. Hûn dikarin hîn bibin 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.

Eger tu biryarê bide bo bedesthênanî karta krediyê, divê hûn gelekî baldar bin ku fatoreyên xwe bidin bi temamî her meh. kartên kredîyan, dikare bibe alîkar di heman demê de gelek caran li te eleqeyekî gelek mezin, eger tu ji wan re her mehê bidin te. Ma pere zêdetir ji we derbas ne!

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!

Qelpezanî

Fraud

hişyar be dema ku tu bi dayîna pere ji bo kesên ku hûn nas nakin, bi taybetî jî, eger tu bi dayîna bi pere. Ev baştir e ji bo bidestxistina account bikarbîne, li banke an sendîkaya kredîyê, da ku tu bi check bidin û paşê delîl dayina fatoran we. Ger ku hûn ji bo bi peretî, herdem ji bo wergirtina pereyan bixwaze, da ku tu delîl li ser pere dane.

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.

in, hin scams hene (tricks bi fen û gelê) ku gelê hedef ku nû ji bo vî welatî ne û çi English baş yet dipeyivin ne. Ger tu mail an jî email ku dibêje divê hun bidin gelek pere get an, ku tu qezenc gelek pere, ew bibe dihêt an sexte. Check bi postê, dilxwazê ​​/ di umrê xwe, yan jî hevalekî xwe ewle an cîranê eger hûn ne emîn in.

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.

Heke hun difikirin ku kirîna an weberhênana di, an dayina ji bo tiştekî, ew meqbûl e ji bo peymana bi nivîskî bixwaze, an ku ez bêjim, tu pêdivî bi jina te, yan jî li ser pêşniyarê bifikirin. Ma xwe di bin zextan ji bo dayina beşekê mezin ji pereyên bê belge an dem ji bo şêwirdarîyê bixwazin bi.

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.

Baca

Taxes

Li DYA, herkesî tê xwestin ku serî bi April 15 every year how much income they received in the year before. Ku rapora xwe a beyanameyê de tê gotin. You may owe taxes on that income. Bac, ne pere ne ku tu hikûmeta ji bo xizmetên gel we qebûl bidin, mîna dibistanê ji bo zarokên û rê da ku ji dewriyeya li ser te. Hûn dikarin hîn bibin more about taxes and how to pay taxes. Li gor ka tu dê çiqas pereyan bide, lebê, hûn bistînin bistîne (pere ji hikûmetê) li ser baca we jixwe di dema salê de daye.

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.

Gava ku tu paycheck bistîne, hinek pere ji dê ji yên ku ev girtin ji bo tijîkirina bacê hebû. 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, e ku bi rezervên ji bo teqawid yan seqetiyê.

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" bername.
This is a sample paycheck from the Wells Fargo “Destên li ser Banking” bername.
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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