如何在4个简单步骤中创建预算
如果你有一个计划，预算是很容易的. 但我们并不总是为紧急情况做计划.
Now is a really good time to take a hard look at where your money is going in order to make some decisions about what is the most important to your survival with the least amount of harm to your overall financial picture. You can use effective money management and emergency loans to get through unexpected hardship.
Follow these 4 simple steps to learn how to create a budget in an emergency.
Step 1 - Budgeting Starts with Making a List
Write down all of your bills and expenses. 有些是显而易见的, 比如房租、水电费和食物, but we recommend making a list to help jog your memory for other expenses such as water delivery or pet food.
Look at your bank and credit card statements for automatic payments like Pandora or gym memberships. Also remember to include periodic and occasional expenses like your DMV renewal or property 税es.
Here are some categories to include in your list:
- 租金及水电费
- 食物
- Miscellaneous costs (water delivery, pet food, etc.)
- 自动支付
- 定期支付
Step 2 - Organize and Prioritize Your List
Go through your list and decide what is necessary versus discretionary.
Prioritize your list in order of most important to the least. The basic needs must be met first- keep a roof over your head and food on your table. We also suggest that electricity and running water is fairly vital for survival!
Step 3 - Emergency 贷款 and Other 资源
Look at the options available to help you with your necessary expenses.
You are looking for ways to reduce the outflow of your limited resources.
You may want to look into an emergency loan to help you with your basic needs. Perhaps you need help supporting your business through hard times. 加州海岸 emergency relief for small businesses in San Diego or Riverside counties. You can also contact your mortgage provider to see if they have any assistance available for you, 例如延迟或跳过付款.
Look for food resources to minimize that necessary cost. Try using what is in your pantry and freezer to lower your grocery bill. For your utilities, there are already services in place to help customers with reduced income. Give them a call or go online to their websites to see how they can help. You or your business may also be eligible for 灾难财政援助.
步骤4 -联系你的债权人
Look at options available to help you with your discretionary expenses.
If you have steady income and can afford more than necessities, go down your list of priorities and pay what you can.
Remember that missing your minimum payment per the contracted agreement on your debts will negatively impact your credit score significantly. Even one missed payment will make a big impact. Contact your creditors as soon as possible, 在你逾期30天之前, and see what they can do to help you through this temporary crisis.
记住，这只是暂时的. These adjustments and reductions will not be forever and things will go back to normal again. Stay calm, stay focused, stay aware of your resources, and most importantly, stay safe.
DISCLAIMER: The tips provided are for informational purposes only and in no way should be relied upon for financial, 税, 或法律建议. The information is subject to change without notice. 加州海岸信用社 encourages you to do your own due diligence when making decisions regarding your financial management.
引用:
- www.moneymanagement.org -非营利性债务管理资源
