Pravljenje budžet da uštede

Takođe na engleskomNe zna engleski

Budžet je procena koliko novca imate svaki mesec, a koliko novca treba da plati za iznajmljivanje, komunalne usluge, hrana, transport, odeće, i sl. To će vam pomoći da shvatim šta ti mogu provesti bez ćete ostati bez novca. 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.
How to save money, fotografija Harљa KR, Kreativni 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. U 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: hrana, komunalne usluge, rent, bus fare or car loan for example
  • Make a list of other expenses you have to pay: osiguranje, 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. Možete koristiti tvoj štednja ako imate hitan. Stručnjaci preporučuju da kreirate svoj crni fond jednak 6 meseci’ troškovi u događaju izgubiti posao ili se povrede. Nakon što je vi ste izgradili svoj crni fond, Onda možete da sačuvate novac da radimo nešto zabavno, kao na odmor sa porodicom ili kupiti nešto posebno.

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.

Uverite se da plati sve svoje račune na vreme, tako da ne morate platiti bilo kasno naknade. Zadrži sve važne račune i podatke o kako provesti svoj novac u jednoj kutiji, fijoka ili datoteke.

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.

Kreditne

Credit

Kredit znači da pozajmljujem novac iz banke ili kreditne Unije i plate brzo cu se vratiti. Kad pozajmite novac koristeći kreditnu, Morate platiti kamatu, ili naknada za pozajmljivanje novca.

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.

Važno je da plati sve svoje račune na vreme, tako da zaštitite svoje kreditne. Ako želite kupiti kuću jednog dana, Možda ćete morati da koristite kreditne. Možete saznati 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.

Ako odlučite da dobijete kreditnu karticu, Morate biti vrlo oprezni da plati svoje račune u potpunosti svaki mesec. Kreditne kartice mogu biti od pomoći, ali često vam naplatiti vrlo visoke kamate ako ti ih ne isplati svaki mesec. Ne troše više novca nego što imate!

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!

Prevara

Fraud

Budi oprezan kada se daje pare ljudima ne znate, posebno ako plaćate gotovinom. Bolje da se sam tekući račun kod banke ili kreditne Unije, tako da mogu da platim po potvrdu i onda imate dokaz da je placa racune. Ako imate platiti u gotovini, Uvek pitam za potvrdu, tako da imate dokaz o plaćanju.

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.

Postoje neke prevare (trikovima da prevare narod) da meta ljudi koji su novi u ovoj zemlji i pa ipak ne govori engleski. Ako dobijete poštom ili e-pošte koja kaže da treba platiti mnogo novca ili da si osvojio mnogo novca, To može biti prevara ili lažne. Obratite se pošti, Tvoj dobrovoljac/mentor, ili pouzdanih prijatelja ili komšija, ako niste sigurni.

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.

Ako razmišljate o kupovini ili investiranje u, ili platiti za nešto, To je prihvatljivo da pitam za sporazum u pisanoj formi, ili da kažem da treba da razgovaram sa partnerom, ili da razmisli o ponudi. Ne budi pod pritiskom da plati veliku količinu novca bez dokumentacije ili trenutak za savet.

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.

Porezi

Taxes

U USA, Svako je dužan prijaviti do aprila 15 every year how much income they received in the year before. Taj izveštaj se zove porez. You may owe taxes on that income. Porezi su novac koji si platio vladi na javnim službama koje primate, kao škola za decu i puteve da vozi dalje. Možete saznati more about taxes and how to pay taxes. U zavisnosti od toga koliko novca ti napraviti., Međutim, možete dobiti povrat novca (novac nazad od vlade) na porez već platio si tokom godine.

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.

Kada primite platu, novac će biti preduzete od od toga da pokrije određene takse. 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, koja je ušteda za penziju ili invaliditet.

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" Program.
This is a sample paycheck from the Wells Fargo “Ruke na bankarstvo” Program.
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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