Table of Contents
Munakhala zaka khumi ndi ziŵiri m'maphunziro a sukulu akuphunzira kuzindikira mitokondria, kukonza mitu, ndi kusanthula Shakespeare . Koma munamaliza maphunziro, ndi kupeza ndalama zanu zenizeni, ndi kuyang'ana mosokonezeka pa zochepetsedwa. Munalandira mameno a ajuli ndipo simunadziŵe ngati mungainyalanyaze. Munamva andale zadziko "mabungwe a steack" ndi "muninipal mikate" ndipo munazindikira kuti simunadziŵe zimene iwo anatanthauza. Mumalandira ku mpukutu wa maphunziro wopindulitsa [[FLT:] .
Imeneyi si mlandu wanu. Maphunziro a ku America amaika patsogolo kukonzekera kwa koleji pa kukonzekera moyo, chidziŵitso chosatsimikizirika pa maluso opindulitsa. Pamene kuli kwakuti maiko ena amalamula kulemba ndi kulemba ndi maphunziro a zachuma ndi a boma, ophunzira ambiri a U.S. omaliza maphunziro satha kulemba misonkho, kupanga bajeti, kapena kuzindikira mmene boma la kumaloko limakhudzira lendi yawo. Mtsogoleri wodziŵa zambiri ameneyu amadzaza mipata imeneyo, kupereka chidziŵitso chenicheni cha dziko ponena za misonkho, bajeti, ndi makampani kuti sukulu yapamwamba iyenera kuphunzitsapo.
Gawo 1: Kukhoma Misonkho - Dongosolo Lomwe Palibe Amene Anafotokoza
Kumvetsetsa Malipiro Anu: Chifukwa Chake Ali Ochepa Kuposa Mmene Munkayembekezera
Malipiro oyamba amenewo ) adapita kuti ndalama zonse? Kodi n’chiyani kwenikweni chikuchitika:
Kubweza Tchata Chamson's' Bwana wanu amayerekezera msonkho wanu wa pachaka ndi kuuchotsa m'zipupa. Izi sizikudalira pa:
- Mafomu a W - 4 amene munadzaza (mwinamwake simukuwamvetsa)
- Mumakhala ndi malo a pepala (mwamkam’banja, muli ndi mwamuna kapena mkazi wanu, mutu wa banja)
- Chiŵerengero cha kulipira ndalama
- Kuchepetsa zinthu kapena kuyerekezera zinthu zimene zilipo
Chidziŵitso chachikulu . Mukhoza kusintha W-4 nthaŵi iliyonse. Kuchuluka kwa ndalama zimene mwatsala? Mukupereka boma loni yopanda chiwongola dzanja. Ndi yochepa kwambiri? Mudzakhala ndi ngongole mu April.
FICA: Zosasinthika
- Chisungiko cha Sacial : 6.2% ya ndalama zanu (kuwonjezera pa $160,200 mu 2023)
- Medicare[[FL:1]: 1.45% ya ndalama zonse (opanda kapusi)
- Addical Medicare[[FL:1]: 0.9% pa ndalama zoposa $200,000
Bwana wanu amalingana ndi zopereka zimenezi, kuŵirikiza kaŵiri ndalama zoikizira mapindu anu amtsogolo. Kudzigwirira ntchito? Mumalipira mbali zonse ziŵiri (Kudzidabwitsa kwa ntchito").
[[MFUNDO:0] Kafukufuku ndi Misonkho ya Kumaloko Malowa ndi malo:
- Maboma a Nine alibe msonkho wa ndalama [[FL:1]: Alaska, Florida, Nevada , New Hampshire , South Dakota, Tennessee, Texas , Washington, Wyoming
- mizinda ina imawonjezera yaiwo : Nzika za New York City zimalipira boma, boma, ndi msonkho wa ndalama wa m'mizinda
- Kukhala m’boma limodzi, kugwira ntchito m'dziko lina? Mungakhale ndi mangawa onse aŵiri
Mmene Msonkho Umagwirira Ntchito
Kusamvetsetsa msonkho kwakukulu: [[FL: 0]marnal v. mitengo ya msonkho yogwira mtima .
Nthano [1]: "Ngati ndipeza dola imodzi yowonjezereka, ndidzadumpha m'gulu lapamwamba ndi kutenga ndalama zochepa kumudzi.
Zenizeni : Magudumu a msonkho ali m'mphepete / kokha malipiro a m'backet iliyonse amakhomedwa pa mlingo umenewo.
Chitsanzo cha wogulitsa sheleji wosakwatira 2024:
- Choyamba K1,000: 10%
- K1,001 kapena $44,725: 12%
- K44,726 mpaka $95,375: 22%
- Ndipo n’zoteronso...
Ngati mupeza $500,000:
- Choyamba ndalama zokwana $11,000 zokhomedwa pa 10% = $1,100
- Chotsatira $3,3,25 yokhomedwa pa 12% = $4,047
- $5,275 yokhomedwa pa 22% = $1,160
- Msonkho wonse = $6,307 (malipiro okhutiritsa: 12.6%, osati 22%)
Chifukwa chake nkhani zimenezi : Musamaletse kukwera kapena kuwonjezera kuwopa. Nthaŵi zonse mumasunga ndalama zowonjezereka zopezedwa.
Misonkho Yowomba Mtengo: Kugwirizana Kwake pa Chaka
Chimene "Kupitira" kwenikweni kumatanthauza [1] Sudzakhoma misonkho pamene upanga faira(*)] mukuyanjanitsa zimene walipira kale mwa kukana zimene uli nazo.
[[FULT:0] Mchitidwe wofunika kwambiri [:
- Zikalata zachizembera (W-2s, 1099, malisiti)
- Comment='Kusankha ndalama zimene mumalandira (ndalama, chikondwerero, ntchito)
- Ziŵerengero zochepetsedwa [ (mwapadera kapena pepala)
- Mukhoza kugwiritsa ntchito ngongole (nuk'anulirapo dolar
- Yerekezerani ndi kuvuula (mafulo kapena malipiro)
Standard vs. Comment
- Kudyerera (2024): K1, 01, $27,700 yokwatirana mogwirizana
- Ogwiritsidwa ntchito : Chiwongola dzanja, boma / malowolo (okhala pa $100,000), zopereka zothandizira anthu, zowonongedwa za mankhwala zopitirira 7.5%
Anthu ambiri (pafupifupi 90%) ayamba kuchepetsa ndalama zimene anawapatsa kuyambira pamene anasintha ndalama za msonkho mu 2017.
Zitseko za magetsi vs. Madeko [[FLT: 1]
- Malo ochepetsera ndalama zokhomedwa (kusunga mlingo wanu wa m'mphepete)
- Access yochepetsera msonkho wobwerekedwa ndalama zokwana madola-odola (mtengo wapatali kwambiri)
Ulemu umene achinyamata ambiri amalephera:
- Ufulu wolandira msonkho [[FULT:1] (kukwera mpaka $7,430 kwa anthu oyeneretsedwa)
- [[MLT:0] Indalama za Opportunity za ku America (zoposa $2,500 pa zowonongedwa za koleji)
- Credit Credit (kukwera mpaka $2,000 pa maphunziro opitirizabe)
- Through Triver (kuposa $000 pa zopereka zapambuyo popuma)
Misonkho Yosafunika Kuilipira
[[MTL:0] Msonkho: Mtengo wa Tsiku ndi Tsiku wobisika [[Mbali 1]
- Mipata yoyambira pa 0% (Denmark, Oregon, Montana, New Hampshire, Alaska) kufika pa 10 peresenti m’madera ena
- Kaŵirikaŵiri saikamo zofunika (malakwilo, mankhwala) koma amasiyanasiyana malinga ndi boma
- Kugula zinthu pa Intaneti tsopano kumaperekedwa msonkho pambuyo pa 2018 Khoti Lalikulu
[[MTSOGOLE] Msonkho wopatulika: Ngakhale Amtengo Alipira [[Msonkhano:1]
- Olipidwa mwalamulo ndi eni nyumba
- Obwereka lendi (omangidwa kukhala lendi) analipidwa mosadziŵika
- Malipiro a m’dzikolo: sukulu, apolisi, moto, misewu
- Mungachotsepo ngati mulemba (m’chitseko cha SALT)
Capital Ganst: Pamene Kusungitsa ndalama Kukula
- Nthambi-''m'mbuyo (mwambo wa <1): Msonkho wolembedwa monga ndalama wamba
- Nthawi yaitali (imene ilipo pachaka & gt;1): Kutsika kwa mlingo (0%, 15%, kapena 20% potengera ndalama)
- Kufuna kugula katundu, crypto, malo, zinthu zopezeka
[[MFUNDO:0] Misonkho yobisa Munayamba kale kupereka [[FL:1]
- msonkho : Federal 18.46 + msonkho wa boma pa lita imodzi
- MTENGO wa pepala
- [[FULT:0] Alcohol/tobacco : "Misonkho ya siliva" kaŵirikaŵiri imaposa mtengo wa zogulitsidwa
- Hotel / galimoto ya tsindwi [1]: Misonkho ya kukaona malo yofikira 20%
Gawo 2: Kupanga Bajeti ndi Luso la Moyo Lomwe Palibe Amene Anaphunzitsa
Dziwani Zoona: Kumene Ndalama Zimapita
Kuwononga Ndalama ya American :
- Nyumba: 33% (yofunika, yothandiza kukonza malowolo, inshuwalansi)
- Zoyendera: 16% (malipiro a galimoto, inshuwalansi, gasi, kukonza)
- Chakudya: 13% (makoma ndi m’malo odyera
- Inshuwalansi: 12% (kudwala, moyo, ndi ina)
- Kusamalira thanzi: 8% (kupyola pa mtengo wa pocket)
- Zinthu zina zonse: 18% (ndalama, zovala, ndi zosungidwa)
Vutolo : Achinyamata ambiri sadziwa kumene ndalama zawo zimapita kufikira zitatha.
Kumangani Ndalama Zoyamba Zimene Mumagwiritsa Ntchito
Sankhani Chilichonse cha Mwezi umodzi Musasinthe khalidwe( kungowona):
- Kofi aliyense, kusalembetsa, kukwera Uber
- Gwiritsani ntchito apulogalamu (Mint, YNAB) kapena pulogalamu yosavuta kuitsatira
- Muzigwiritsa ntchito ndalama (zovuta kwambiri)
[[MTENGO:0] Sitepe 2: Chitani Moona Mtima [[Kusintha:1]
- Zofunika zokonzedwa [: Inshuwalansi, kuchepetsa ngongole
- Zofunika zokhoza kugwiritsidwa ntchito: Mazira, gasi, puloteni
- [[ML:0] Zifunitso [: Malo, mamembala
- Zifuno Zofunika [[FULT:1]: Kudya, zosangulutsa
- Zotsala [1]: thumba la nthaŵi yatsoka, kupuma pantchito, zonulirapo
- Zopereka za mtengo wa mazira : pamwamba pa zocheperapo
Sitepe 3: Gwiritsirani ntchito Lamulo 50/30/20 (lotsimikiziridwa kaamba ka zenizeni) matembenuzidwe amwambo:
- 50% zimene zikufunika
- 30% amafuna
- 20% Ndalama zosungidwa ndi ngongole
Kukhalako kwa achichepere :
- 60-70% imafunikira (lendi yaikulu, ngongole za ophunzira)
- 15-20% amafuna
- 10-20% Kusunga ndalama ndi ngongole zowonjezereka
Yambani kumene muli, osati kumene muyenera kukhala.
Ndalama Zofulumira: Mabanja Anu a Ndalama
['Kusintha] Chifukwa Chake Uphungu Wakwathu Suli Wokwanira Ulemu wakwawo umati sungayambe kusunga $200 choyamba. Koma zimenezo sizidzabisa:
- Lendi ya mwezi umodzi m'mizinda yambiri
- Kukonza galimoto
- Kuchezera chipinda changozi ndi inshuwalansi
- Kuchotsedwa ntchito mwadzidzidzi
M'nthaŵi yamakono ziwombezo za Ndalama za Mliri wa Zam'tsogolo :
- Speger: mwezi umodzi wa zowonongedwa
- siseko [1]: miyezi itatu ya zowonongedwa
- SEC : miyezi isanu ndi umodzi ya zowonongedwa
- Ogwira ntchito aufulu / Gag [: kuchepera kwa miyezi isanu ndi inayi
[[MLENGO:0] Kuimanga Popanda Kudzimva Wotayika [[FL:1]:
- Wodzifunira: $50 / pakecheck = K1,300 / chaka
- Lamulo Lopanda Malamulo: Ndalama zotsika msonkho, mabhonasi amatsika kuti asungitse ndalama
- Kagulitseni zinthu: Kuti simumaimba gitala, ma electronic akale
- Mbali yapadera ya ndalama zangozi
Kumvetsa Mathayo: Dongosolo Lomwe Limalamulira Zochita Zanu
[[NTL:0] Zomwe zalembedwa [[FULT:1]
- Mbiri ya Kulipira (35%) : Musaphonyepo ndalama zochepa
- Kudziwitsa (30%) : Sungani ndalama za khadi la ngongole zosakwana 30%
- Lansi ya Mbiri (15%): Musatseke makhadi akale
- Kuphatikiza Madzi (10% : Mafashoni osiyanasiyana othandiza (makadi, ngongole)
- [Kukongola kwatsopano] (10%): Musafunsire pa chilichonse panthaŵi imodzi
Msampha wa Credit Trap AARD APR: 24.37% (monga 2024)
- Malipiro ochepa pa $5,000 pamlingo: ~ $1150
- Nthaŵi yolipira zochepetsera: Zaka 23
- Chiwongola dzanja chokwanira: $6,923
[[ML:0] Ulendo wa Chikongozero cha Mathangato [:
- Pezani khadi la woyambira (losungidwa ngati kuli kofunika)
- Gwiritsirani ntchito kapepala kamodzi (Netflix, Spoyfyf)
- Mtengo wa ndalama zonse
- Musayende molinganizika
- Pambuyo pa miyezi 6, kupempha kuwonjezereka kwa mlingo (kuthandiza kugwiritsa ntchito njira zoperekera foni)
Wophunzira Wolowa: Ngongole Yopanda Amene Analongosola
[[FULT:0] Ndalama za Federal v. Mwamseri: Kusiyana Kodetsa nkhaŵa [[FTL:1] ngongole za Federal zikuperekedwa:
- Zoti mubwezere pa ndalama zimene mwalandira
- Kulolera ndi Kulolera
- Kukhoza kwa Kukhululukira kwa Utumiki Wapoyera
- Chiŵerengero chachiwongola dzanja chokhalitsa
Ngongole zaumwini:
- Kaŵirikaŵiri ziŵerengero zosiyanasiyana
- Zipangizo zochepetsa chitetezo
- Kusinthasintha
- Kuti zimenezi zitheke pangafunike kutulutsidwa chipangizo chotchedwa cosignal
[[ML:0] Kubwezera mapangano [[[ML:1]:
Chiyeneretso : zaka 10, chiwonjezeko chachikulu koposa mwezi uliwonse, chiwonkhetso chotsika kwambiri
[[FUL:0] Zolinganiza za kubwerako [[FULT:1]:
- IBR: 10-15% malipiro opezedwa
- PAY: 10% Ndalama zopezedwa mwalamulo
- REPAYE: 10% Ndalama zopezedwa mwalamulo
- ICR: 20% ya malipiro a oija
[[FL:0] Msampha wa kukhululukira [1]: Ndalama zoperekedwa zingakhale ndalama zolipiridwa (kusiyapo PSLF)
[[ML:0] Kodi muyenera kupenda?
- Mumakhala ndi ndalama zokwanira
- Thandizo labwino (700+)
- Palibe mapulani a PSLF
- Zingachepetse kwambiri
Musamachite zimenezi ngati:
- Mungafunikire kusankha zopeza
- Kuyesetsa kukhululukira ena
- Yobu sadziwa
Gawo 3: Zigawo Zenizeni za Dzikoli - Mmene Boma Limakukhudzirani Kwenikweni
Boma Lakumene Mumakhala: Zimene Mumasankha Pamoyo Wanu wa Tsiku ndi Tsiku
CiCity/Maulamuliro a Boma a Thupi Amene Akuyambukirani Molunjika:
[[MFUNDO:0] Kukokera ndi Kusintha [[Mbali:1]:
- Malamulo oyendera malamulo amasankha kumene angaikidwe
- Kulamulira malamulo achinsinsi (kumene ali)
- Kupanga malamulo ndi zofunika za kupenda
- Kupanga chakudya ndi ufulu wochita zinthu
- Malipiro a misonkho ya nyumba yokhudza lendi yanu
[[ML:0] Kusintha [['''''
- Malo odutsa anthu onse ndi ndandanda
- Masitepe otereka ndi mamita
- Kukonza misewu ndi kuchotsa chipale chofeŵa
- Makwalala a buke
- Nthaŵi yoyendera magalimoto
Mautumiki a Tsiku ndi Tsiku:
- Apolisi ndi ozimitsa moto
- Zotayidwa ndi kusungidwanso kwa zinthu zina
- Madzi ndi zimbudzi
- Mapaki ndi mapulogalamu a zosangalatsa
- Malaibulale ndi malo osungirako anthu
[[MFUNDO:0] Mabizinesi ndi Ntchito [[[ML:1]:
- Kuletsa zofunika za bizinesi
- Malipiro ochepa (mizinda yambiri imaposa kuchuluka kwa boma kapena kwa chigawo)
- Malo a tchuthi cha kupuma
- Kufufuza zakudya kuti zisawonongeke
- Nthaŵi zotsekera m’malesitilanti ndi m’malesitilanti
Kumvetsa Mphamvu Zanu za Ndale pa Chilichonse
Fireedi : Wopekedwa koma wofunika
- Woimira nyumba yanu: Akuimira anthu ~7600,000
- Oimira Inu: Kuimira boma lonse
- Pulezidenti: Malifalensi 330 miliyoni
- Chisonkhezero chanu [: Njung'ono imodzi, yofunika
Deti la chigawo: Kufikirika kowonjezereka
- Woimira Boma: Oimira ~500,000-100,000
- Bungwe la Boma: Malifalensi ~160,000 - 3000,000
- Bwanamkubwa: Akuimira boma lonse
- Chisonkhezero chanu [ : mwachindunji, kaŵirikaŵiri amadziŵa oimira
Deti la malo apafupi: Kumene Muli Mphamvu Yenizeni [
- Msonkhano wa Mzinda: Uimira 5,000 - 50,000
- Bungwe la sukulu: Kaŵirikaŵiri zikwizikwi chabe
- Mayor: Chonde yankhani makalata
- Chisonkhezero chanu [: Kukhoza kupanga masankho, kutchula mwachindunji akuluakulu a boma
Mmene Malamulo Amapangidwira Kwenikweni (Osati Chigwirizano cha Sukulu
[[ML:0] Zenizeni [[[ML:1]:
- Ndalama zambiri zimafa m’komiti popanda kuvota
- Anthu ofufuza zachuma nthawi zambiri amalemba malamulo
- "Ziwiri" phatikizani zinthu zosagwirizana
- Likulu la filimu limatanthauza mavoti 60 ofunikira kwa Nyumba ya Malamulo
- Lamulo la akuluakulu loletsa kuyendetsa zinthu lija limachititsa msonkhano kupitirira
Tsogolo la chigawo
- Malamulo a nthaŵi zina amathamangira kumaliza ndalama
- Malamulo achitsanzo olembedwa pakati pa maboma
- Kusintha kwa malamulo a bajeti
- Malamulo a ballot anyalanyaza malamulo
- Kawirikawiri chiphalaphala cha kazembe
[[ML:0] Zenizeni za Kumalo akwanuko :
- Zosankha zimene zimadzachitidwa Lolemba madzulo pamisonkhano ndi anthu ochepa chabe amene amapita
- Chisonkhezero cha opititsa patsogolo malo
- NKHONDO ZACHIGWIRIZANA NDI MINTHU
- Kusemphana maganizo pa nkhani ya umunthu kumachititsa kuti anthu azitsatira malamulo
- Kuulutsa nkhani kosoŵa
Ufulu Wanu m’Mikhalidwe Yeniweni
Zokumana nazo :
- Muyenera kupereka ID ngati mwatsekeredwa mwalamulo (Kuima kwa Terry)
- Mungakane kufunafuna popanda chilolezo (mwapadera)
- Mungathe kulemba apolisi poyera
- Muyenera kupempha momvekera bwino kuti mukhale chete
- Simungapeŵe ngakhale kumangidwa mwalamulo (kumenyana m’khoti)
Kugwira ntchito Malo Oyenera Nthaŵi Zambiri Osadziŵika :
- Kukambirana za malipiro kumatetezeredwa mwalamulo
- Magawo ambiri a "contractor" ngosaloleka
- Nthaŵi yaitali imagwira ntchito kwa antchito ambiri opeza ndalama zosakwana $255,568
- Kubwezera madandaulo n’koletsedwa
- "Kufuna" sikumatanthauza kusafuna njira
[[FULT:0] Ufulu Womanga (Kumangidwa ndi Boma):
- Nthaŵi zambiri woyendetsa malowolo amafunikira chilengezo cha maola 24-48 kuti aloŵe
- Malo osungirako chitetezo ali ndi malamulo okhwima
- "Kusintha kwa kukhala ndi malo ozoloŵereka" kumafuna mikhalidwe yosavuta kuigwiritsira ntchito
- Kuchotsa kumafunikira dongosolo lalamulo (osati "yekha thandizo")
- Kusankhana nyumba n’koletsedwa ndi lamulo
Ntchito Yanu Yapadera: Ntchito Yanu Yaikulu
[[FUL:0] Zimene Zimachitikadi [[[Mbali:1]
- Ma frameon afika (musanyalanyaze)
- Lipoti ku khoti (bweretsa buku / laptop)
- Dikirani m’chipinda cha ajuli (nthaŵi yochuluka yowonongedwa pano)
- Mwinamwake angafunike kupha munthu mwankhanza (wosankha chinsinsi)
- Ngati musankhidwa, tumikirani pozenga mlandu (kaŵirikaŵiri masiku 1-3)
- Kudzipeleka ndi kupanga zosankha
['Chifukwa chake anthu amayesa kupeŵa Icho [[Mlungu 1] (ndi Chifukwa Chake Sayenera):
- Malipiro ngoipa kwambiri ($15-50/tsiku)
- Olemba ntchito ayenera kuwapatsa nthaŵi koma sangalipidwe
- Kusokoneza chizoloŵezi
- Zikhoza kukhala zovuta m’maganizo
Koma ndi imodzi ya nthaŵi zochepa zimene nzika zimachita ulamuliro wa boma mwachindunji.
Kulankhula: Kuposa Kusankha kwa Pulezidenti
Kulembetsa zenizeni:
- Malo akufa amasiyanasiyana (tsiku limodzi ndi masiku 30 asanafike)
- Ngati ali osakangalika angachotsedwe
- Ana a sukulu ya koleji akhoza kulembetsa kusukulu kapena kunyumba
- Maboma ena ali ndi Intaneti, ena amafuna mapepala
[[FL:0] Zimene Zili pa Ballot Yanu :
- [[FULT:0] Fateral : Prezidenti, Senator, Woimira
- State: Bwanamkubwa, commun, oweruza
- Kumalo amodzi : Mayor, council, komiti ya sukulu, shejaff
- [[FULT:0] Ndalama [[[FULT:1]: Manda, misonkho, kusintha kwa tchata
- Zigawo zapadera : madzi, moto, mabodi a chipatala
['''Chifukwa chake kusankha N’kofunika Koposa [[FUTO:1]
- Bungwe la sukulu limasankha mapulogalamu a maphunziro, bajeti
- Bungwe la mumzindalo limakhoma misonkho ya m’madera ena, ndipo limakonza malo
- Loya wachigawo amasankha zimene ayenera kuweruza
- Mkulu wa asilikali amaika patsogolo malamulo
- Oweruza amaweruza milandu yambiri
Komabe nthaŵi zambiri chivoti cha kumaloko chokha n’chosakwanira 20%.
Gawo 4: Mmene Madongosolo Atsopano Amagwirizanitsira
Mgwirizano wa Msonkho ndi Msonkho
[[MFUNDO:0] Ndalama Yanu ya Misonkho[[Msonkhano:1]:
- [[FULT:0] Fateral : Military, Social Security, Medicare, chiwongola dzanja cha ngongole
- State: Maphunziro, Medicaid, misewu, ndende
- Kumalo amodzi : Sukulu, apolisi, moto, misewu, mapaki
[[FL:0] Zosankha Zosamveka Zosankha Zosankha
- Kukoma kwa utumiki (makalasi, nthaŵi zothandizira)
- Malo ophunzirira (kupezeka pa Intaneti)
- Kupita patsogolo kwa chuma (zosonkhezera zamalonda, nyumba)
- Moyo wabwino (malaibulale, maprogramu)
[[FUL:0] Chotengera Chanu Chogwirizana ndi Zisonkhezero [[FULT:1]:
- Kodi ndani amapanga zosankha za bajeti
- Kodi ndi zinthu ziti zimene zimalipiridwa kuti zikhale zofunika kwambiri?
- Mmene ndalama zimawonongedwera bwino
- Kaya ziphuphu zavumbulidwa
Zitsanzo Zenizeni za Kuloŵererana kwa Dongosolo
[[MPHAMVU:0] Chitsanzo 1: Mtengo Waukulu [[Msonkhano:1]
- IMPAWU: Malamulo opanga nyumba amaletsa kuperekedwa kwa nyumba
- Amene amasankha : bungwe la mzinda ndi kulinganiza
- chiyambukiro cha HTML : misonkho ya katundu yomangidwa monga lendi
- Chiyambukiro choluluzika: Ndalama zochepera pa zosoŵa zina
- Coption : Pitani ku misonkhano ya m'malo, voti ya oyembekezera kulowa m'malo
[[ML:0] Mpambo wa 2: Ngongole ya Ophunzira [[[ML:1]
- [[FULT:0] Mbali yapadera [: Kukhazikitsa malamulo a loni ndi kukhululukira
- Gawo la m'dziko [: ndalama za mayunivesite a anthu onse (kapena sumawa)
- chiyambukiro cha Thupi [[FL:1]: ndalama zolipirira, msonkho wokhululukidwa
- Chiyambukiro cha pulogalamu : Kuchedwa panyumba, kumachepetsa kuwonongetsa ndalama
- Coption: Kupezera ndalama zothandizira maphunziro, kufunsa oimira za chithandizo
[[ML:0] Mpambo 3: Kusamalira Thanzi Kutayika [[[FULT:1]
- [[FULT:0] Faredal: Medicare, Medicaid, ACA
- State: step medicaid, command ya inshuwalansi
- Kumalo amodzi : Zipatala za anthu onse, madipatimenti a zaumoyo
- chiyambukiro cha Tab: inshuwalansi ya wolemba ntchito isanapereke msonkho, ndalama zochepetsedwa za mankhwala
- Coption : Kumvetsetsa malo a zaumoyo a oyembekezera kudwala
Gawo 5: Zochita Zothandiza
Zochita Zamwamsanga (Mlungu Uno)
[[ML:0] ya zachuma :
- Muzifufuza m’mipukutu ya malipiro anu kuti mumvetsetse ndalama zimene mumalipira
- Pezani lipoti lanu la ngongole (lopanda ntchito pa chaka ndi chaka creditrehounce.com)
- Lembani masabusikripishoni onse ndi malipoti obwerezabwereza
- Tsegulani ndalama zambiri zosungidwa pa kampani ya zamwadzidzidzi
- Kukopera IRS
[[FUL:0][[FULT:1]:
- Pezani amene akuimirani (milingo yonse)
- Onani kuti wovota wanu ndi wovomerezeka
- Onani deti lotsatira la chisankho cha kumaloko
- Pezani ndandanda ya msonkhano wa m’tauni yanu
- Ŵerengani ufulu wanu wa parenti
Zolinga Zachidule (Miyezi 3 Yotsatira)
[[ML:0] ya zachuma :
- Muzipereka ndalama zothandizira anthu ovutika
- Pangani bajeti ndi kuitsatira kwa miyezi itatu
- Muzilemba ndalama zimene mungazibweze kuti musadzawononge ndalama zambiri
- Kufufuza ndi kupempha ngongole zonse za msonkho zoyenerera
- Dziŵani kuti wantchito wanu amapindula kwambiri
[[FUL:0][[FULT:1]:
- Pitani ku msonkhano wapoyera umodzi
- Kazembe woimira nkhani imodzi
- Bwanani kuvota ngati simunalembetse
- Ofuna kusanthulanso
- Khalani ndi gulu limodzi la chitaganya
Kukula kwa Nthaŵi Yaitali (Chaka Chino)
[[ML:0] ya zachuma :
- Ndalama zoyendetsera zinthu zadzidzidzi zowonongedwa pa miyezi 3 - 6
- Mukhozanso kuwonjezera pa zimene mumachita (amene abwana anu angafanane nawo)
- Muwongolere maambulera ndi 50+
- Msonkho wa kampani ya kanema inu mwini kapena kumvetsetsa chimene wokonzekerayo amachita
- ◯ Kulemba ndalama
[[FUL:0][[FULT:1]:
- Kudziŵa bwino kusankha kulikonse
- Muzingodzipereka pa ntchito kapena pa ndawala
- Muzidziwa mmene bajeti yanu imagwirira ntchito
- Mangani unansi ndi akuluakulu a boma
- Muthandizeni
Kulephera Kudziŵa Luso ndi Chifukwa Chake Lilipo
Chifukwa Chake Sukulu Sizimaphunzitsa Zimenezi
Zifukwa za programu [
- Mayeso oyenerera sapima maluso ogwirira ntchito
- Aphunzitsi saphunzitsidwa za ndalama zaumwini
- Kupenda kopangidwa ndi awo ochotsedwa pa zenizeni zamakono
- Anaika patsogolo maphunziro a koleji pa moyo wake
- Kukana maphunziro a boma kwa ndale zadziko
[[FULT:0] Zifukwa za Mafuno [[FULT:1]:
- Makolo otengeka ndi Mariya adzaphunzitsa (ochuluka satha)
- Kukambirana nkhani za ndalama kunali koletsedwa
- Anthu a m’mayiko ena amaona kuti nkhani zandale ndi zotsutsana
- Kudziwa zinthu mwachidule n’kofunika kwambiri
- Kuphunzitsa
Kuwononga Kotheratu kwa Kusadziŵa
[[ML:0] Ndalama zowonongedwa [[[FULT:1]
- Avereji ya banja imalipira $1,230 / chaka m’malipiro osafunikira
- Kukongola ndalama kumachititsa kuti anthu ambiri azikhala ndi chiwongola dzanja
- Kuphophonya Msonkho kumayambitsa chilango
- Malo amene amasoŵa ndi ndalama zochepetsera ndalama
- Inshuwalansi ndi ndalama zoikizira ndalama
[[FUL:0] Mitengo ya Chivomezi [[[FUL:1]:
- Kuchitira ena nkhanza zimene mumatsutsa
- Mautumiki amene mufunikira kudula
- Ufulu umene mwachita popanda kuyeseza
- Mavuto amene mumakumana nawo amakhala opanda malo alionse
- Demokalase imafooketsa popanda kutengamo mbali
Mapeto ake: Kupatsidwa Mphamvu mwa Maphunziro
Mumpata wa zimene sukulu imaphunzitsa ndi zimene moyo umafunikira sindiwo kulephera kwa inu eni . Koma kuyembekezera kuti sukulu zipeze njira zokhalirabe zosavuta ndi ndalama, zochotsedwa ku ulamuliro wa boma, ndi zogwiritsidwa mwala ndi madongosolo amene simukumvetsetsa.
Kumvetsetsa misonkho kumasintha kuchokera ku zonulirapo zachinsinsi kukhala zomveka (ngati zopereka za boma). Mukhoza kulinganiza bwino, kukana ngongole, ndi kupanga zosankha zodziŵitsidwa ponena za ndalama ndi zoikizira ndalama.
Kulinganiza bajeti [[FT:1] kumasintha kuchoka ku nkhaŵa ya zachuma ndi kuyendetsa ndalama. Mukudziŵa kumene ndalama zimapita, chifukwa chake zimatha, ndi mmene zingalozere ku zonulirapo zanu mmalo mozilola kuzimiriza.
Kusintha malamulo a boma [1] Kusinthani kuchokera ku woonerera wandale kuti mukhale ndi phande. Mumazindikira mtundu wa boma umene ungalamulire zimene zingakhudze zosankha, ndi chifukwa chake mukuchitapo kanthu kwambiri kuposa mmene munkaganizira.
Izi siziri kokha maluso a kukula . Mphamvu ya kusunga ndalama zambiri zimene mumalandira. Mphamvu yomangirira chisungiko cha ndalama. Mphamvu zotetezera ufulu wanu. Mphamvu imene imachokera ku malo kapena chuma koma ku chidziŵitso ndi pangano.
Komiti ya maphunziro inalephera kupereka chidziŵitso chothandiza chimenechi, koma kulepherako sikumakupangitsani kukhala wosazindikira. Chidziŵitso chiripo. Ziŵiya ziripo. Funso lokha ndi lakuti kaya mudzatenga thayo la kuphunzira zimene sukulu sinaphunzitse.
Maphunziro anu enieni amayamba tsopano. Kalasi limakhala m'chigawo mukasankha kupita. Maphunzirowo ndiwo moyo wanu weniweni. Mayesowo amabwera tsiku lililonse monga zosankha zokhudza ndalama, kuvota, ndi pangano la anthu onse. Mosiyana ndi sukulu, sungalephere kukhoza kuphunzira, kuwongolera, ndi kukhala ndi ulamuliro wokulirapo pa moyo wanu.
Mukulandirani ku dziko lenileni. Ndi buku ili limene anaiwala kuphatikiza dipuloma yanu.
Mabuku Owonjezereka
Maphunziro a Zachuma
- CHUMA CHA POSAKAMBIRA - Masheya aulere a ku America ambiri
- Ndalama Yanga.gov - zopezera ndalama zoŵerengera ndi kuŵerenga
- [[FUMT:0] Consumer Protection Bureau Ziŵiya ndi zitsogozo za zosankha za ndalama
Kuloŵa M’gulu la Malamulo a Mtundu Wosiyanasiyana
- USA.gov - Gate ku mautumiki onse a boma ndi chidziŵitso
- Ballotepia - Khonsoti yosankha ndi chidziŵitso cha ofuna kusankhidwa
- GovTrack.us - lamulo la Track ndi kutumiza oimira
Zipangizo za Bajeti
- [[ML:0] Mint - Kulinganiza ndi kujambula
- Mufunikira Bajeti (YNAB) - Kakonzedwe ka bajeti yolinganiza zinthu koma yochuluka
- Likulu laumwini - Ufulu wa kuikizira ndi ukonde
