Na'urar lissafin kasafin kuɗi
Jera kuɗin shigarku da kashe kuɗinku na wata don ganin abin da ya rage da yadda ya kwatanta da ka'idar 50/30/20.
Game da Na'urar lissafin kasafin kuɗi
Jera kuɗin shigarku da kashe kuɗinku na wata don ganin abin da ya rage da yadda ya kwatanta da ka'idar 50/30/20.
Ɓangare ne na sashen “Kuɗi” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin kasafin kuɗi
Abin da yake lissafawa da lokacin amfani da shi
Yana jera kuɗin shigarku da kashe kuɗinku na wata-wata, yana nuna abin da ya rage kuma yana kwatanta buƙatu, sha'awoyi da ajiyarku da dokar 50/30/20.
Yadda ake amfani da shi, mataki-mataki
- Ƙara hanyoyin kuɗin shigarku na wata-wata bayan haraji.
- Jera kashe kuɗinku kuma ku yi wa kowane abu alama a matsayin buƙata, sha'awa ko ajiya ko biyan bashi.
- Karanta adadin da ya rage da kwatancen.
Ma'anar kowace shigarwa
- Iri – Buƙata: essentials. Want: choices. Ajiya ko debt: savings da extra debt payments.
Yadda ake karanta sakamako
- Ragowa ko overspent – Income minus spending.
- 50/30/20 Tebur – Your shares of income against the 50, 30 and 20 targets.
Dabarar lissafi
Left = total income − total spending. Share = group total ÷ total income. The 50/30/20 rule suggests 50% needs, 30% wants and 20% saving.
Misali da aka warware
Income of 2,800 against needs of 1,700, wants of 350 and saving of 300 leaves 450 a month, 5,400 a year. Needs are 61% of income, above the 50% guide.
Zato da iyakoki
- Kowane wata amounts. Juya irregular bills zuwa a Kowane wata Matsakaici.
- The 50/30/20 raba shi ne a guide, not a rule.
Kurakuran da aka saba yi
- Leaving out irregular costs such as car repairs and gifts.
Tambayoyin da ake yawan yi
Idan buƙatuna sun wuce 50% fa?
A wurare masu tsada haka abu ne da aka saba. Mayar da hankali kan ci gaba da ajiya akai-akai da rage sha'awoyi.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Kowace shekara
- £5,400if babu komai changes
- Savings kashi
- 27%An ajiye plus unspent
Against the 50/30/20 rule
| Group | Adadi | Raba | Buri |
|---|---|---|---|
| Needs | £1,700 | 61% | 50% |
| Wants | £350 | 13% | 30% |
| Ajiya da debt | £300 | 11% | 20% |