Mus kawm ntawv qib siab yog ib qho lag luam kim. Thaum cov nqi kawm ntawv tau luam tawm kom meej hauv tsev kawm ntawv cov vev xaib thiab hauv cov ntawv teev npe, qhov kev siv nyiaj ntawm cov tub ntxhais kawm ntawv qib siab xav tau yuav nyuaj rau kev txiav txim siab. Kev nqis peev nyiaj txhua xyoo uas xav tau rau tsev kawm qib siab yog nyob ntawm ntau yam, suav nrog qhov uas ib tus xav txog kev siv nyiaj, kev ua ub no, thiab thaj chaw thaj chaw uas tus menyuam kawm ntawv mus kawm ntawv qib siab.
Sample Budget
| Qeb nyiaj txiag | Nyiaj xyoo |
|---|---|
| Clothing | $450-$750 |
| Entertainment | $1,300 |
| Khoom noj (piv txwv tias cov zaub mov feem ntau noj hauv tsev kawm ntawv) | $3,500-$7,500 |
| Gas/Car Insurance | $1,000-$5,000 |
| Cell Phone | $150-$800 |
| Kev ua si (xws li cov koom haum hauv tsev kawm ntawv) | $400-$1,200 |
| Gifts | $600-$1,100 |
| Phau ntawv thiab khoom siv tsev kawm ntawv | $600-$1,200 |
| Electronics | $200-$1,200 |
| Travel (ntau npaum li cas nyob deb ntawm tsev koj mus) | $300-$1,000 |
Tus naj npawb conservative ntxiv mus rau tag nrho ntawm $8,500, hos tus lej siab dav ntxiv mus txog $21,050 toj xyoo. Cov tub ntxhais kawm feem ntau yuav poob qhov chaw nruab nrab ntawm ob. Txij li thaum muaj ntau tus tub ntxhais kawm ntawv qib siab ua haujlwm thiab khwv tau qhov nruab nrab ntawm $ 195 toj ib lis piam lossis $ 10, 000 yog tias ua haujlwm ib nrab xyoo, lawv yuav tsum tsis txhob xav tau kev pab "siv nyiaj."
Calculating Needs
Ib qho ntawm cov laj thawj uas nws nyuaj rau txiav txim siab npaum li cas koj cov tub ntxhais kawm ntawv qib siab yuav xav tau yog tias cov neeg sib txawv xav txog cov khoom sib txawv raws li them nrog "kev siv nyiaj." Piv txwv li, qee cov neeg twb tau suav cov nqi ntawm cov phau ntawv thiab chaw nres tsheb hauv tsev kawm ntawv rau tus nqi mus kawm ntawv. Cov nyiaj qiv yog raws li qhov xav tau txhua xyoo no. Txawm li cas los xij, ntau tus niam txiv xav txog tej yam xws li phau ntawv yog ib yam dab tsi uas tus tub ntxhais kawm yuav thaum lawv ua haujlwm hauv tsev kawm qib siab, yuav tsum tau siv nyiaj.
Textbooks yog kim heev nrog cov phau ntawv tshiab nruab nrab nqi $80 thiab siv versions raug nqi $50 (kub nyob qhov twg los ntawm $200 txog $500 ib semester), thiab lawv yuav tsum tau. Chaw nres tsheb hauv tsev kawm ntawv yog lwm tus nqi zais hauv tsev kawm qib siab, uas tuaj yeem muaj li ntawm $ 400- $ 2000 toj xyoo. Txawm hais tias qee tus yuav tsis pom lub tsheb yog qhov tsim nyog, cov tub ntxhais kawm ntawv qib siab yuav xav lwm yam.
Yuav kom xam kev siv nyiaj kom raug, koj thawj zaug yuav tsum pom zoo rau qhov kev yuav khoom poob rau hauv qeb ntawm kev siv nyiaj, thiab dab tsi yog tus nqi kawm ntawv qib siab xwb.
Txoj Kev Siv Nyiaj Siv Tau
Cov khoom hauv qab no tuaj yeem suav tias yog siv nyiaj rau cov menyuam kawm ntawv qib siab:
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Cov ntxhais kawm ntawv qib siab tawm mus yuav khoom Clothing
- Entertainment
- Khoom noj khoom haus (noj mov, xaj pizza, kas fes mus, uas tej zaum yuav tsis suav nrog cov khoom noj rau lub xyoo)
- Gas lossis pej xeem thauj
- Cell phone
- Kev ua ub no xws li ncaws pob, chav seev cev, lossis kev koom tes hauv gym
- Gifts
- Tub ntawv thiab khoom siv tsev kawm ntawv
- Electronics (nrog rau lub computer)
- nyiaj pab kev mus los (los tsev rau Thanksgiving, thiab lwm yam)
Qee yam khoom sib txawv. Piv txwv li, yog tias muaj cov nyiaj pub dawb mus ncig ua si thiab cov tub ntxhais kawm mus kawm ntawv deb ntawm tsev, qhov nruab nrab daim pib dav hlau mus ncig yuav raug nqi $ 370 toj ib zaug. Kev txiav txim siab seb puas suav nrog cov nuj nqis no hauv kev siv nyiaj tag nrho yog qhov tseem ceeb. Thaum koj txiav txim siab tias yuav suav nrog cov khoom twg, koj yuav tsum kwv yees tias yuav tso nyiaj ntau npaum li cas rau txhua tus.
Nyiaj rau Txhua Hom Kev Siv Nyiaj
Txawm hais tias qee cov tub ntxhais kawm ntawv qib siab xav tau cov khaub ncaws loj loj txhua lub hlis, lwm tus tub ntxhais kawm ua qee lub khw thaum lub caij ntuj sov thiab mus rau tsev kawm nrog lawv cov khaub ncaws npaj rau lub xyoo. Ib yam li ntawd, qee cov tub ntxhais kawm koom nrog cov dej num kim thaum lwm tus tsis ua. Txawm hais tias ob hom tub ntxhais kawm yuav xav tau nyiaj ntau npaum li cas los siv, suav tag nrho yog nyob ntawm hom kev ua ub no uas lawv koom.
Thaum kawg, thaj chaw thaj chaw tuaj yeem cuam tshuam ntau qhov kev siv nyiaj uas cov tub ntxhais kawm ntawv xav tau. Cov khoom tsim nyog xws li nqi xauj tsev thiab khoom noj khoom haus yog kim dua hauv cov nroog loj, tab sis cov tub ntxhais kawm nyob rau hauv cov tsev kawm ntawv nyob deb nroog yuav siv roj lossis tsheb thauj neeg ntau dua li cov neeg nyob hauv nroog.
Setting Budget expectations
Ua ntej xa koj tus menyuam mus kawm ntawv qib siab, nws yog ib qho tseem ceeb los tham txog cov nyiaj txiag ntawm lawv lub tsev kawm ntawv lub neej. Feem ntau, qhov no yog thawj zaug lawv tau nyob ntawm lawv tus kheej thiab yuav tsum tau npaj lawv cov peev nyiaj. Ib tug menyuam kawm ntawv uas paub txog kev siv nyiaj tsis zoo yuav siv nyiaj tsis txaus los yuav phau ntawv, them nqi kawm, lossis lwm yam nuj nqis tseem ceeb ntawm kev nyob. Ib yam li ntawd, ntau tus tub ntxhais kawm ntawv hauv tsev kawm qib siab yuav ua haujlwm nrog credit lossis debit cards thawj zaug hauv lawv lub neej, thiab tsis muaj kev taw qhia kom raug, lawv yuav muaj kev tswj xyuas kev siv nyiaj tsis zoo thiab taug qab. Txawm hais tias qhov no tsuas yog ib qho kev sib tsoo ntawm txoj kev rau qee tus tub ntxhais kawm, rau lwm tus nws yuav txhais tau tias qhov sib txawv ntawm kev tuaj yeem mus kawm ntawv qib siab thiab tsis tau.
Ua ntej koj tus hluas mus kawm ntawv qib siab, tham txog cov hauv qab no:
-
niam thiab tus ntxhais tham txog kev siv nyiaj hauv tsev kawm qib siab Qhia kom lawv paub taug qab kev siv nyiaj txhua hli thiab sib haum rau lawv cov peev nyiaj.
- Qhia cov peev nyiaj pitfalls thiab tham los ntawm cov tswv yim los daws lawv.
- Sib tham qhov txawv ntawm qhov xav tau thiab xav tau. Qhia koj tus menyuam kom them cov khoom tsim nyog ua ntej, thiab tom qab ntawd siv cov nyiaj tau los siv los them rau cov khoom siv.
- Qhia lawv yuav ua li cas taug qab kev siv daim npav rho nyiaj thiab rov qab lawv tus as khauj txhua lub hlis.
- Qhia koj qhov kev cia siab rau koj cov hluas txog seb lawv yuav tswj hwm lawv li cas. Tsis txhob tso lawv tawm txhua zaus lawv siv nyiaj ntau dhau.
- Qhia lawv yuav ua li cas thiaj tsim tau ib qho nyiaj kub ceev thaum muaj ib yam dab tsi tshwm sim.
- Tom qab koj cov menyuam mus kawm ntawv qib siab, txuas ntxiv nrog kev sib tham txog nyiaj txiag nrog lawv kom koj tuaj yeem txheeb xyuas cov teeb meem ua ntej lawv tshwm sim.
Npaj Koj Cov Hluas
Txoj hauv kev zoo tshaj los npaj koj tus menyuam kawm ntawv qib siab rau kev paub txog nyiaj txiag zoo yog pib ntxov. Kev txuag kev ntxhov siab txij thaum yau, thiab txhawb cov menyuam kom taug qab kev siv nyiaj. Hauv tsev kawm ntawv theem siab, xav muab koj tus menyuam rau tus menyuam tus lej los tswj lawv tus kheej kom lawv paub tswj nyiaj thaum lawv mus kawm ntawv qib siab. Los ntawm kev tso lub hauv paus ntxov, koj tuaj yeem tsim koj tus hluas kom ua tiav thaum lawv zaum kawg ntawm lawv tus kheej.
