Sum/Pawisa Budget Dan

different money piles

Last Update: September 30, 2019

Video ka siam a, mahse sawi loh leh sawi buai a awm deuh a. Hetah a chiang zawkin resources nen dah a ni. 

He article hi ka thlak/dah belh a nih chuan a chunga update date khi thlak zel a ni ang.

Sum/Pawisa budget thatna chhan:

  1. Pawisa pawngpaw hman atangin a veng. Kan pawisa kha khami budget (category) atan kan neih daih leh daih loh chiang takin awareness kan nei ang.
  2. Sum lut leh chhuak chiang taka hriatna. Kan kuta kawl leh bank atanga mi pawh. 
  3. Savings/Mamawh atana sum khawl/plan lawk. 
  4. Emergency/Thil thleng thut thei buaina laka invenna.
  5. Nakin mamawh tur hriat lawk atana lo inkhawl lawk. Xmas, birthday, inneih, etc. 

Sum enkawl dan tha thenkhat: 

  1. I mamawh leh i duh hre hrang rawh.
  2. Emergency fund. Chhiatni atan bik pawisa hman tur dah that. 
  3. Thla 3 – 6 vel sum hman tur (living expense) khawl. Hna atanga ban thut te a thleng thei.

Note: Fun money ka tih. Duh duh atana ka hman theih pawisa tam vak lo ka hlawh dawn atangin ka budget thin. Nawmchenna tur pawisa 🙂

Zero Based Budgeting System

Budget dan hrang hrang a awm a, he system hi ka hman lai a ni. 

Zero budget system awm dan example: 

  1. I sum neih zawng zawng kha hna I pe ang. A awmna tur bikah I budget vek ang tihna. Budget tur pawisa Engmah I neih tawh loh thleng (0). 
  2. I mamawh budget hmasa rawh (In man, electric, ei leh in, etc). Tichuan Nakina I la mamawh tur te pawh kha tunah budget vek rawh. Example: Savings, Xmas a thawmhnaw tur te pawh kha tunah I budget lawk ang. 
  3. Sum I hman apiangin I ziak thla (track) vek ang. I sum hman zat chu I budget lawk atang khan I subtract ang. Tichuan I hmang over a nih chuan I hman over khuh turin category dang atang khan pawisa I paih thung ang. 
  4. Sum khawl rawh. I tum tur chu thla tin sum rawn lutah inring ngawt lovin thla hmasa a hlawh rin etc. Tichuan I khawl chho zel ang.  

You need a budget (YNAB) ka hmang a, awlsam taka hriatthiam theih guide an nei. 

Note: Software man ngai kher lovin mahniin a thlawna spreadsheet siam pawh a thei. 

Zero based budgeting software dang dang:

Tools/Resources/Download: 

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