Nzira Yokugadzira A Budget Kushandisa TSL

Shandisa iyi Methodho Kuumba Smart Budget

Gore idzva rangotanga, uye kana iwe usina kuisa pamwe bhajeti yako zvakadaro, inguva yekutanga. Kana iwe usingazivi kuti unotanga kupi kana kuti sei, edza TSL nzira: Mitero, Savings Life. Chinangwa ndechekuedza kwekutsvaga kwemazana emadhora ose iwe unowanikwa:

Mitero = 30% kuFed neHurumende

Mitero inotora mari yakawanda kubva pamitero yedu yose uye inokosha kuti tisava nehanya navo apo iwe uri kuronga bhajeti yako.

Iva nechokwadi chokuti unoziva kuti unobhadhara zvakadini pamitero, uye izvi zvinosanganisira mitero yako yose: hurumende uye hurumende yemitero inobhadharwa, FICA, Medicare, kuwanikwa mari, pfuma, uye mutero wekutengesa.

Kuponesa = 20% kusvika kune 401 (k) Kuronga kana Kubhadhara Chikwereti

Kugovera 20% yemari yako yaunowana pakuchengetedza ndiyo nhamba inokosha, asi kana iwe uchifunga nezvemitero yakawanda-yakakosha yekuchengetedza yakadai sa 401 (k), 403 (b), 457 kana SEP IRA, unogona kusvika ikoko zvakawanda zvakakurumidza kupfuura iwe unofunga. Kana kuchengetedza 20% kunoratidzika kunopisa, tangotanga pane imwe nzvimbo uye shanda kusvika kune iyo. Iwe uchasvika ikoko nokukurumidza kupfuura iwe unofunga.

Hupenyu = 50% yeKudya, Imba, Kufara uye Zvose Zvose

Zvasara makumi mashanu kubva muzana yemari yako yakasara (iyi nhamba inogona kudiwa kugadziriswa zvichienderana nemamiriro ako emitero) ndeyemari inogona kushandiswa kushandiswa kwemari. Chero bedzi uri kushandisa TSL zvakarurama, hazvina basa kuti iwe unoshandisa sei mari iyi.

Asi, kana iwe uchida kushandisa zvakanyanya mari iyi, edza kuitungamirira kuzvinhu zvinokurudzira hupenyu.

TSL Mirayiridzo Bvisa Kudavira

Chimwe chezvikonzero zvandinofarira TSL mirayiridzo ndechokuti vanobvisa mhosva yekutadza. Chero bedzi iwe uri kurova nhamba dzako, iwe haufaniri kushushikana pamusoro pezvinoitwa nevevanhu zvinosvibisa.

Kana iwe uri mukati mebhajheji yako, uye Iced Vanilla Buttercup Triple Mocha Latte inoita kuti ufare- une chiedza chemavara kuti uchitenge uye uchinakidzwa nacho! Sezvo iwe uri kuwedzerwa-akachenjera, iwe unogona kukwanisa kuva penny-upenzi. Iwe unogona kupedza mapeni ako pane chero chaunoda, chero bedzi iwe uchiwana zvinhu zvikuru zvakanaka.

Simple TSL Worksheet

Kunyatsoshandiswa kwemari uye miitiro yekuchengetedza- TSL- inogona kukuita iwe tenzi wezvisarudzo zvako. Shandisa mirayiridzo yeTLL uye usava nemakaro. Vimba kuti kana ukaronga zvakanaka uye uchengetedze zvine njere iwe uchava nezvakawanda zvekupa zvekutora zvekare uye kufara. Tora danho rokutanga nhasi neshesi yepazasi iri pasi. Chokutanga, tora mari yako yemwedzi, zvichibatanidza mari imwe chete yaunowana:

Mhuri =

Mibairo =

Mazano =

Rental Income =

Trust Fund Income =

Under-the-Table Income =

Miscellaneous =

Mutengo wose = ____________

Iye zvino, shandisa mazano aya:

Mutengo wose X 30% = ____________ mumitero

Mari yose inowanikwa x 20% = ____________ mu Kuponesa

Mari yose inowanikwa x 50% = ____________ kuUpenyu

Nzira yeTL inzira isina mhosva yekushandisa mari yako yekuziva shure mushure mekunge iwe wakabhadhara mitero yako uye uisa mari mumari yako.

Kana iwe uine makore mashoma ari kushanda pasi pechikwama chako uye usati waisa mazano aya, asi hapana nguva yakafanana neyiyo.