pul tejash uchun byudjet qilish

Ingliz tili, shuningdek,Hech Ingliz tili
How to save money and budget copyright Harsha KR, CC.
How to save money, Harsha Kr foto, CC.
How to save money and budget copyright Harsha KR, CC.
How to save money, photo by Harsha KR, CC.

Agar birinchi Amerika Qo'shma Shtatlarida kelganda, Agar qochqinlar Cash yordam yoki kam ta'minlangan oilalar uchun Vaqtinchalik yordam ham pul qo'llab-quvvatlash olasiz (TANF). Bundan tashqari, oziq-ovqat markalari yoki oziq-ovqat sotib olish uchun bir debet karta olish mumkin. Agar ish topish bir marta, Agar paycheck olish boshlanadi. You may want to learn how to budget in order to save money.

When you first arrive in the United States, you will receive cash support from either Refugee Cash Assistance or Temporary Assistance for Needy Families (TANF). You may also get food stamps or a debit card to buy food. Once you find a job, you will start getting a paycheck. You may want to learn how to budget in order to save money.

A byudjet har oy bor va siz uchun ijara to'lash kerak qancha pul qancha pul kiritish, kommunal, ovqat, tashish, kiyim, etc. Bu siz pul tugab holda sarflash mumkin, nima tushunishga yordam beradi. Bu sizga kerakli narsani oldin kerak narsalarni sotib olish uchun dono. If you have some left over at the end of the month, the best way to save money is by putting it into your savings. Agar favqulodda bor bo'lsa siz tejash foydalanishingiz mumkin. Mutaxassislar siz olti oy teng favqulodda fondini yaratish tavsiya’ Tadbirda xarajatlar siz ish yo'qotish yoki jarohat olish. Agar favqulodda jamg'armasini tashkil qurilgan so'ng, keyin bir narsa o'yin-kulgi qilish uchun pul saqlashingiz mumkin, kabi oilangiz bilan ta'tilga ketish yoki maxsus bir narsa sotib olish.

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. It is wise to buy the things you need before the things you want. If you have some left over at the end of the month, the best way to save money is by putting it into your savings. 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.

Agar biron-bir kech to'lovlarini to'lash kerak emas, shunday qilib, vaqtida qonun loyihalarini barcha to'lashga ishonch hosil qiling. Agar bir qutiga pul sarflash qanday muhim tushumlari va yozuvlar barcha saqlang, tortmasi yoki fayl.

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 bank yoki kredit uyushmasi pul qarz va keyinchalik qaytarib to'lash anglatadi. Agar kredit yordamida pul qarz qachon, Agar qiziqish to'lash kerak bo'ladi, yoki pul qarz uchun haq.

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.

Bu sizning kredit himoya, shunday qilib, vaqtida qonun loyihalarini barcha to'lash uchun muhim ahamiyatga ega. Agar bir kun bir uy sotib olmoqchi bo'lsa, Agar kredit foydalanish kerak bo'lishi mumkin.

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.

Agar kredit karta olish uchun qaror qilsangiz, Agar har bir oy to'liq sizning Xarajatlarni to'lash uchun juda ehtiyot bo'lish kerak. Agar har bir oy, ularni to'lash bo'lmasa Kredit kartalari foydali bo'lishi mumkin, lekin tez-tez sizni juda ham yuqori foiz haq mumkin. Agar bor ko'proq pul sarflash yo'q!

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!

firibgarlik

Fraud

Agar bilmasangiz, odamlarga pul berib bo'lsa ehtiyot bo'ling, Agar pul bilan to'lash, ayniqsa, agar. Bu Betob tomonidan to'lash mumkin, shunday qilib, bir bank yoki kredit uyushmasi bir tekshirish hisobini olish uchun yaxshidir va keyin siz taqdim etgan to'lov dalil bor. Agar pul to'lash kerak bo'lsa,, Agar to'lov hujjatga ega, shunday qilib, har doim bir tushgan so'rab.

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.

Ba'zi aldatmacalar bor (Fokuslar odamlarni aldash uchun) bu mamlakat uchun yangi bo'lgan va hali yaxshi ingliz tilida emas, deb maqsad odamlar. Agar ko'p pul to'lash kerak deydi pochta yoki elektron pochta olish yoki ko'p pul g'olib deb bo'lsa, Bu Scam yoki Fake bo'lishi mumkin. pochta bilan tekshiring, Sizning ko'ngilli / murabbiy, yoki ishonchli do'st yoki qo'shni Agar bilmasangiz,.

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.

Agar sotib olish yoki investitsiya inobatga bo'lsa, yoki biror narsa uchun to'lov, Bu yozma shartnoma so'rash qabul, yoki turmush o'rtog'ingiz bilan gaplashib kerak yoki Taklif haqida o'ylab aytish. hujjatlar yoki maslahat so'rash uchun vaqt bo'lmagan pul katta miqdorda to'lash uchun bosim his qilmang.

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.

soliqlar

Taxes

AQShda, har kim aprel tomonidan hisobot uchun talab qilinadi 15 Ular oldin yilda amalga qancha daromad har yili. Bu xabar bir soliq Qaytish deb ataladi. Ular bu daromad soliq qarzi mumkin. Soliqlar siz olish davlat xizmatlari uchun hukumatni to'lash pul bor, bolalaringizga va haydovchi yo'llar uchun maktab kabi. siz qancha pul qarab, ammo, Agar qaytarib olish mumkin (orqaga hukumatdan pul) soliq siz allaqachon yil davomida to'lanadi.

In the US, everyone is required to report by April 15 every year how much income they made in the year before. That report is called a tax return. They 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. 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.

Agar paycheck olganimizda, Ba'zi pul muayyan soliq qoplash uchun undan chiqib olinadi. chiqib olinadi pul "royaltiga", deyiladi. Bu ishsizlik sug'urtasi va ijtimoiy xavfsizlik kabi davlat va federal soliqlar hamda boshqa narsalarni o'z ichiga oladi, nafaqaga yoki nogironlik uchun omonat bo'lgan.

When you receive a paycheck, some money will be taken out of of it to cover certain taxes. The money that is taken out is called “withholding.” This includes state and federal taxes as well as other things like unemployment insurance and social security, which is savings for retirement or disability.

Sample Paycheck from the Wells Fargo "Hands on Banking" dastur.
Wells Fargo misol Paycheck “Bank haqida qo'llari” dastur.
Sample Paycheck from the Wells Fargo "Hands on Banking" program.
Sample Paycheck from the Wells Fargo “Hands on Banking” program.

qochoqlar o'z solig'i Fayl yordam juda ko'p turli tashkilotlar bor. RCO qidiruv _____________________________________________________________ sahifa sizga yaqin soliq yordam topish.

There are many different organizations that help refugees file their taxes. Search the RCO’s Local Resources page to find tax help near you.

Bu sahifa sizga yordam edi? Kulgich ha qoshlarini yuzi yo'q
Fikr va mulohazalaringiz uchun rahmat!