Isticmaal waraaqdan miisaaniyadeed si aad u hesho maareynta dhaqaalahaaga
Markaad liis gareyso dhammaan ilaha dhaqaalahaaga ee ka soo gala dhamaan kharashyadaada bil walba (laga bilaabo kharashyada loo baahan yahay sida rahaamada ama kirada bixinta kharashka ku baxa kharashka sida soo cunidda ama tagista filimada), waxaad heleysaa sawir run ah ee socodka lacagtaada shakhsi ahaaneed, taas oo u ogolaan doonta si aad u sameyso go'aano maaliyadeed oo ka sii wanaagsan oo ka sii fiican. Miisaaniyadda saxda ah ayaa sidoo kale kaa caawin doonta inaad ka jawaabto su'aashan aan waxba ahayn, "Miyaan awoodi karaa?"
Sida loo isticmaalo waraaqda miisaaniyadeedka bil kasta
Hoos waxaa ku qoran warqad shaqo oo isku dayaysa in ay ku qorto ilaha macquulka ah ee dakhliga bishiiba iyo sidoo kale kharashyada. Maaddaama qof kasta dhaqaalihiisu ka duwan yahay, waxaa laga yaabaa inaad aragto in qayb kasta aanu ku habboonayn dakhligaaga ama kharajkaaga. Waxaad xitaa ogaan kartaa in bilaha qaar ka duwan yihiin kuwa kale, laakiin waa inaad ka faaidaysataa maradan layligan aad si fiican ugu diyaarsan tahay isbedeladaas iyo xitaa xisaabinta kharashyada aan la filayn.
In kasta oo miisaaniyadda bil walba guud ahaan waqtiga ugu macquulsan ee loogu talagalay in la sameeyo miisaaniyad shakhsi ahaaneed ama miisaaniyadeed, waxaa jira ilo badan oo dakhliga iyo kharashyada aan si fiican u raacin jadwalka bil kasta.
Tusaale ahaan, waxaad heli kartaa jeeg mushahar todobaad kasta ama laba asbuuc, ma aha mar bishii. Xaaladdan oo kale, waxaad dooneysaa inaad xisaabiso sida ay ugu kordhiso mudada hal bil oo aad ku qorto safka ku haboon iyo tiirka. Waxa kale oo laga yaabaa inaad leedahay qaar la filayo ama kharashyo soo noqnoqda oo dhacaya in ka badan ama ka yar inta badan bil kasta.
Si loo xisaabiyo kharashyada (sida caymiska baabuurta ) ee miisaaniyadaada billaha ah, si fudud u xisaabi wadarta kharashka sanadka kalandarka oo u qaybso 12 si loo helo kharashka "bil kasta". Ku qor lambarka ku jira safka ku haboon iyo midka ku habboon.
Sida loo buuxiyo warqadda miisaaniyadeed ee bil kasta
Si aan u bilowno, waxaanu soo jeedinaynaa in la soo uruuriyo dhammaan xisaabaadka maaliyadeed ee la midka ah sida jeegaaga mushaarka, biilalka kaararka deynta, iyo macluumaad kasta oo kale oo ku ogaan doona qiyaasta saxda ah ee ugu fiican ee dakhliga iyo kharashka la filayo.
Marka hore waxaad dhameystiri doontaa "Miisaaniyadda Miisaaniyadda Bilaha ah" si aad ugu fiicnaan karto awoodaada bisha soo socota. Kuwani waa inay noqdaan kuwa ugu fiican, oo lagu qiyaaso. Haddii qayb ka mid ah aanad ku quseynin, waxaad si fudud uga bixi kartaa barta ama geli '0' sanduuqa. Inta lagu jiro bisha, raadi dakhligaaga iyo kharashkaaga. Dhamaadka bisha, dhammeystir Xajmiga "Actual Amount Monthly" oo u barbardhig qiyaasahaaga asalka ah. Miyaad ku qiyaastay inta aad ku qarashgareysid dharka, laakiin hoos u dhig qadarka aad cunaysid? Qor faraqa. In kastoo aadan u baahnayn inaad jimicsigan sameyso bil kasta, waxay si fiican u caawineysaa bilawga maaddaama ay kaa caawineyso inaad horumariso miisaaniyadda bil kasta ee saxda ah si aad u tixraacdo hore u socoshada.
Warqada Xisaabinta Miisaaniyaddaada Bishii
Warqada Xisaabinta Dakhliga Suuqa: Dakhli guud | |
Qeybta | Qaddarka Bilaha ah |
Mushaharka, Mushaharka, Lacagaha | |
Dakhli Dakhliga | |
Dakhliga Maalgelinta | |
Dakhli kale (tusaale, masruufka caruurta, masruufka) | |
Warqada Xisaabinta Dakhliga Suuqa: Canshuurta laga jaray iyo Lacagta Lacagta Lacagta lagu bixiyo | |
Qeybta | Qaddarka Bilaha ah |
Canshuurta Dawlada Dhexe | |
Canshuurta Dakhliga Gobolka iyo Degmada | |
Caymiska Bulshada iyo Medicare Tax | |
Lacagta Caymiska Caafimaadka Shaqaalaha | |
Kaqaybqaadashada Qorshaha Hawlgabka Shaqaalaha (tusaale, 401k) | |
Kuwa kale | |
Warqada Xisaabinta Dakhliga Suuqa: WADARTA | |
Qeybta | Qaddarka Bilaha ah |
(Ka jar cashuurta iyo jar-jaryada dakhliga guud) | |
Warqada Xisaabta Kharashka: Guriga | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Amaah Kiro | |||
HOA Kharashka | |||
Caymiska Guriga ama Caymiska | |||
Cashuurta hantida | |||
Guri Dayactirka / Guriga Dayactirka | |||
Hagaajinta Guriga | |||
Warqada Xisaabta Kharashka: Dhaqaalaha | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Koronto | |||
Biyaha / Bulaacada | |||
Gaaska Dabiiciga ah ama Saliida | |||
Telefoonka / Qorshaha Xogta | |||
Cable TV / Internet | |||
Warqada Xisaabinta Kharashka: Cuntada | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Raashinka | |||
Makhaayadaha / Cuntada Fast | |||
Coffee / Alcohol | |||
Warqada Xisaabinta Kharashka: Xilka Qoyska | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Taageerada Ilmaha | |||
Alimony | |||
Xannaano maalmeedka / Ilmaha | |||
Hawlaha / Casharrada | |||
Warqada Xisaabinta Kharashka: Caafimaadka iyo Caafimaadka | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Caymiska Caafimaadka (haddii aan laga jarin jeegga korka) | |||
Vision Caymiska Vision (haddii aan laga jarin kor) | |||
Premium Caymiska Ilkaha (haddii aan laga jarin kor) | |||
Kharashyada Caafimaad ee aan La Lahayn / Caymiska Caymiska | |||
Dawooyinka dhakhtarku qoro iyo OTC | |||
Fudud (tusaale, Tababaraha Shakhsiyeed, Gym, Yoga) | |||
Warqada Xisaabinta Kharashka: Gaadiidka | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Lacagta Deynta / Amaahda Deynta | |||
Caymiska Caruurta | |||
Goolka | |||
Gawaarida Dayactirka / Dayactirka | |||
Gaadiidka Dadwaynaha iyo Gaadiidka Kale (Basaska, Tareenka, Canshuurta, Gaadiidka Raac) | |||
Kharashka Gaadiidka Kale (Tusaale, Gaadiidka, Kharashka Gawaarida) | |||
Warqada Xisaabinta Kharashka: Deynta Lacagta Deynta | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Lacagta Kaarka Deynta | |||
Bixinta Deynta Ardayga | |||
Deynta kale | |||
Warqada Xisaabinta Kharashka: Caymisyada kale | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Caymiska Nolosha | |||
Warqada Xisaabinta Kharashka: Waxbarashada | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Waxbarashada | |||
Buugaagta waxbarashada | |||
Qalabka Dugsiga | |||
Warqada Xisaabinta Kharashka: Madadaalada / Madadaalada | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Kharashka Kombuyuutarka | |||
Abaalmarin iyo Macaashka | |||
Hiwaayadaha | |||
Fasaxyada / Socdaalka | |||
Madadaalada kale | |||
Warqada Xisaabinta Kharashka: Daryeelka Caanaha | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Cuntada Cuntada | |||
Daaweynta, Gudbinta, Veterinary | |||
Dakhliga Shaqada Kharashka: Daryeelka Shakhsi ahaaneed | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Qalabka musqulaha / jooniska | |||
Alaabada Qoyska | |||
Dharka | |||
Daryeelka kale ee Shakhsiyeed | |||
Warqada Xisaabinta Kharashka: Kaydinta iyo Maalgashiyada | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Hawlgabka Hawlgabka (lagaa jaray jeeg-jeeg - sida, IRAs) | |||
Xisaabaadka Bixinta | |||
Sanduuqa Kulliyadda | |||
Kaydinta / Kaydinta Degdegga ah | |||
Warqada Xisaabinta Kharashka: Qeybaha kala duwan | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Gifts / Donate | |||
Waxyaabo kale duwan | |||
Warqada Xisaabinta Kharashka: LACAGTA WADARTA | |||
Qeybta | Tirada Miisaaniyadda Bishiiba | Tirada dhabta ah ee bishii | Farqiga |
Dib-u-dhigga bishii ama Dhicis |
Wadarta Dakhliga Bishii: |
Wadarta Kharashka Billaha ah: |
Isugeynta Dhamaadka Bilaha ah ama Dhimista (Kharashka Dakhligan Dakhliga): |
Waxaad buuxisay warqadda miisaaniyadda, maxaa hadda?
Haddii aad ogaato in dhamaadka bisha aad si joogta ah ujirta aad ujirto inaad soo qaadato, waxay noqon kartaa waqti aad ku eegto meesha aad ku isticmaalayso lacagtaada oo aad u hagaajiso meelaha aad awoodid si aad u sameyso isbeddelka . Haddii aad ka hesho, dhinaca kale, in aad si joogta ah lacag u hartay bil kasta, hadda waxaad haysataa fursad aad ku go'aansato waxa la sameeyo lacagtaan dheeraadka ah. Ma u baahan tahay inaad dhisto xaalad deg-deg ah ama "maalin roobeed"? Miyaad ka qaybqaadan kartaa waxyaabo dheeraad ah oo ku saabsan keydinta hawlgabkaaga ? Miyaad bixin kartaa qaar ka mid ah amaahda si dhakhso ah? Ama laga yaabee inaad jeceshahay inaad kaydsato iibsi gaar ah ama weyn.