Samaynta miisaaniyad si loo badbaadiyo lacag

Ingiriisi sidoo kaleNo Ingiriisi

Miisaaniyadda A waa qiyaasta inta lacag ee aad qabto bil kasta iyo inta lacag ee aad u baahan tahay inaad bixiso kirada, yutiilitida, cuntada, gaadiidka, dharka, iwm. Waxay kaa caawin doona inaad ogaado waxa aad ka isticmaali karto oo aan ordaya baxay lacag. 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.
Sida loo badbaadiyo lacag, photo by Xarshaa 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 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: cuntada, yutiilitida, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: caymiska, 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. Waxaad isticmaali kartaa kaydka haddii aad leedahay xaalad degdeg ah. Khubarada ku talinaynaa in aad la abuuro fund deg-deg ah loo siman yahay ilaa lix bilood’ kharashyada ay dhacdo shaqo la'aan kugu dhacdo ama ku dhaawacmay. Ka dib markii aad dhisay fund deg-deg ah, ka dibna waxaad badbaadin kartaa lacag in la sameeyo wax madadaalo, sida tago fasax la leh qoyskaaga ama wax gaar ah ka iibsan.

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.

Hubi in aad bixiso oo dhan biilasha waqtiga si uma baahnid in aad bixiso lacagta ujrada soo daahay. Hayso dhammaan rasiidhada iyo diiwaanada aad u muhiim ah sida aad ku bixisaan aad lacag hal sanduuq, khaanad ama 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.

credit

Credit

Credit loola jeedaa lacagta amaahashada ka bangigaaga ama credit union oo mar dambe dib u bixinta. Marka aad amaahato lacag la isticmaalayo credit, waxaad u baahan doontaa inaad bixiso dulsaar, ama lacag ah amaahashada lacagta.

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.

Waxaa muhiim ah in ay bixiyaan oo dhan biilasha waqtiga si aad u ilaaliso credit. Haddii aad rabto in maalin maalmaha ka mid guri iibsato, laga yaabaa in aad u baahan tahay in aad isticmaasho credit. Waxaad baran kartaa 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.

Haddii aad go'aansato inaad hesho credit card, aad u baahan tahay in aad ka taxadartaa in ay bixiyaan biilasha gebi bil kasta. kaararka deynta waxay noqon kartaa mid waxtar leh, laakiin inta badan aad ka qaadaan xiisaha aad u sarreeya haddii aadan bixin off bil kasta. Ha ku qaataan lacag ka badan aad qabto!

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!

khayaanada

Fraud

Ka taxaddar marka aad bixinayso lacag dadka aanad garanayn, gaar ahaan haddii aad bixiso lacag caddaan ah. Waxaa fiican in la helo xisaab hubinta ee bangiga ama credit union ah si aad u bixin kartaa jeeg ka dibna aad leedahay caddeynta bixinta biilasha. Haddii aad qabto in lagu bixiyo lacag caddaan ah, had iyo jeer weydiiso rasiid si aad caddayn bixinta.

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.

Waxaa jira qaar ka mid ah been-abuurka (tricks in ay khiyaameeyaan dadka) in bartilmaameedka dadka ku cusub dalka iyo si fiican ku hadlin Ingiriisiga weli. Haddii aad hesho mail ama email sheegay in aad u baahan tahay in ay bixiyaan lacag aad u badan ama in aad ku guuleysato lacag aad u badan, waxaa laga yaabaa in lagu gaday ama been abuur ah. Ka hubi xafiiska boostada, aad iskaa wax u qabso / mentor, ama saaxiib aad ku kalsoon tahay ama deriskaaga haddii aadan hubin.

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.

Haddii aad tixgelinayso inaad iibsato ama la maalgashado, ama bixinta wax, waxa la aqbali karo si aad u codsato heshiis qoraal ah, ama in la yidhaahdo aad u baahan tahay inaad la hadasho qofka aad is qabtaan ama ku fikirno oo ku saabsan dalab ah. Ha dareemin cadaadis inaad bixiso xaddi weyn oo lacag la'aan waraaqo ama waqti si aad u weydiiso wixii talo ah.

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.

Cashuurta

Taxes

In USA, qof walba waxaa loo baahan yahay in ay soo sheegaan by April 15 every year how much income they received in the year before. warkaan waxaa lagu magacaabaa canshuurta ah. You may owe taxes on that income. Canshuurta waa lacagta in aad bixiso dawladda adeegyada dadweynaha aad hesho, sida dugsiga carruurta iyo waddooyinka wadato isticmaalka. Waxaad baran kartaa more about taxes and how to pay taxes. Iyadoo ku xiran inta lacag ee aad ka dhigi, Si kastaba ha ahaatee, laga yaabaa in aad hesho soo celiyo (lacagta ka soo laabtay xukuumadda) on canshuurta aad horay u bixisay sanadkan gudihiisa.

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.

Marka aad hesho jeeg, qaar ka mid ah lacag laga qaadi doonaa ka mid ah waxaa ka mid ah si ay u dedaan canshuur gaar ah. 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, taas oo ah kaydka hawlgabka ama naafada.

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" barnaamij.
This is a sample paycheck from the Wells Fargo “Hands on Banking” barnaamij.
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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