Proovi seda lihtsat 5-kategooria Eelarve

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Try This Simple 5-Category Budget

Sa tahad luua kulutuste plaani, muidu tuntud eelarve, kuid sa ei taha teha keerukalt üksikasjalikud line-item eelarve nagu tüüp, mis võiks hõlbustada nende kaudu eelarvestamine töölehed. Selle asemel, sa lihtsalt tahad eelarve, mis kujutab endast “põhjaliku ülevaate.”

Samal ajal, sa ei taha teha eelarve, mis on sama suur kui tüüp me visandada 80/20 eelarve või 50/30/20 eelarvest.

Tahad eelarve, mis on natuke täpsem ja struktureeritud. Tahad Goldilocks eelarve kuldset keskteed nende kahe vahel. Tahad eelarve tüübiga, mis võimaldab teil murda oma kulutusi viieks või kuueks kategooriad: mitte liiga vähe, kuid mitte liiga palju. Mida teha?

Siin on jaotus, mida teie eelarve peaks välja nägema, kui see on märgitud viis kategooriat. See eelarve on üks, mis Today Show toimetaja Jean Chatzky avalikustas Oprah võla toitumine. Siin me läheme:

majutus

Eluase peaks sisaldama 35 protsenti oma võtta kodu tulu. See hõlmab hüpoteegi või rentida, kõik kodus remonti ja hooldust, vara maksud, kommunaalkulud, nagu elekter, gaas, vesi ja kanalisatsioon, ning majaomanik või üürija kindlustus. Lühidalt, see sisaldab iga eluasemega seotud kulutusi.

vedu

Transport peaks võtma mitte rohkem kui 15 protsenti oma võtta kodu tulu. See hõlmab mis tahes auto maksed, mis sa üritad, bensiini, autokindlustus, kõik remonti ja hooldust, summa, mida maksavad parkimine, või (kui te sõita ühistranspordiga) summa, mida maksavad rongi, metroo piletid.

Pea meeles, transport ei kaasata ainult teie auto makse. See hõlmab kõike: oma auto makse oma õlivahetuse ja oma tune-ups, endale radiaator ja hammasrihm.

Muud elamiskulud

Other living expenses, which are predominantly discretionary expenses, should take up 25% of your income.

 This includes eating at restaurants, buying concert tickets, buying new clothes, going to sporting events, and taking the family on a nice vacation.

Savings

Savings should consume 10 percent of your budget. This is predominantly for retirement as well as building an emergency fund.

Debt Payoff

Debt Payoff should consume 15 percent of your income. This includes your credit cards or student loans. It does not include your minimum mortgage or car payment, which are listed under “housing” and “transportation.” (It does include any extra payments that you’re making towards your mortgage and car loan, above-and-beyond the minimum.)

You might be thinking: Wait a second, why are you only advocating a savings rate of 10 percent? Didn’t the 80/20 budget and the 50/30/20 budget both advocate savings rates of 20 percent?  Yes, they did, but as you’ll notice under the 80/20 budget and the 50/30/20 budget, “savings” included debt paydown.

In this five category budget, your savings and debt are listed as two separate categories.  With 10 percent for one and 15 percent for the other, you’re actually spending 25 percent (in total) on a combination of savings and debt pay-down.

This is even more aggressive and ambitious than the previous two budgets recommend.

Use this five category budget if you would like to create a budget that’s slightly detailed, but not overly so.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

Author: Ahmad Faishal

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He's Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.