Jifunze kuhusu pesa kwa kasi yako mwenyewe

Jinsi inavyofanya kazi

1. Soma somo fupi Lugha wazi, mifano halisi, na maneno mapya yaliyoelezewa.
2. Angalia ulichojifunza Jibu maswali machache na uone kwa nini kila jibu ni sawa.
3. Endelea Fuata njia mada kwa mada, au anza na kile unachohitaji leo.

Njia yako ya kujifunza

Tunashauri kwenda kwa utaratibu, lakini unaweza kuanza na mada yoyote.

1. Mada 1

   Misingi ya Pesa: Panga, Fuatilia, na Hifadhi

   Jenga mpango wa matumizi unaofanya kazi kwa kaya halisi za eneo la DC, ikiwa ni pamoja na mapato yasiyo sawa na pesa zinazotumwa kwa familia, na uanze mfuko wa dharura kutoka sifuri.

   Masomo: 2 Takriban dakika 29

   1. Build a Spending Plan That Fits Your Real Life

      Takriban dakika 15 Maswali ya maswali: 5

   2. Start an Emergency Fund from Zero

      Takriban dakika 14 Maswali ya maswali: 6

2. Mada 2

   Banking Basics: Accounts That Work for You

   How to open an account (even without an SSN), compare banks, credit unions, apps, and check cashers, and send money abroad safely and cheaply.

   Masomo: 3 Takriban dakika 46

   1. Opening a Bank Account, Even Without an SSN

      Takriban dakika 15 Maswali ya maswali: 5

   2. Banks, Credit Unions, Apps, and Check Cashers: What Is Protected and What It Costs

      Takriban dakika 15 Maswali ya maswali: 5

   3. Kutuma Pesa Nyumbani: Linganisha Gharama na Ujue Haki Zako

      Takriban dakika 16 Maswali ya maswali: 5

3. Mada 3

   Malipo na Ushuru wa Mapato ya Kibinafsi

   Elewa hati yako ya malipo na zuio, shughulikia ushuru kwa gig na mapato ya pesa taslimu, na faili bila malipo wakati unadai kila mkopo uliopata. Money Smart haina moduli ya ushuru, kwa hivyo mada hii ni ugani wa Wasomi wa Dola.

   Masomo: 3 Takriban dakika 48

   1. Read Your Pay Stub and Fill Out Your W-4

      Takriban dakika 15 Maswali ya maswali: 5

   2. Ushuru wa Gig, Pesa taslimu, na Mapato ya Kujiajiri

      Takriban dakika 15 Maswali ya maswali: 5

   3. Faili bila malipo na udai mikopo uliyopata

      Takriban dakika 18 Maswali ya maswali: 6

4. Mada 4

   Ripoti za Mikopo na Alama za Mikopo

   Soma ripoti yako ya mkopo na urekebishe makosa, jenga mkopo kutoka kwa chochote (pamoja na kama mgeni au mmiliki wa ITIN), na ujifunze ni nini kinachosonga alama yako.

   Masomo: 3 Takriban dakika 51

   1. Read Your Credit Report and Fix Mistakes

      Takriban dakika 18 Maswali ya maswali: 5

   2. Build Credit from Zero

      Takriban dakika 16 Maswali ya maswali: 5

   3. What Moves Your Credit Score (and What Does Not)

      Takriban dakika 17 Maswali ya maswali: 6

5. Mada 5

   Kukopa kwa busara na kuepuka mikopo ya uwindaji

   Tazama bei halisi ya mkopo, tambua siku ya malipo, kichwa, kukodisha ili kumiliki, na bidhaa zingine za gharama kubwa, tafuta chaguo salama, na upate ofa nzuri unapofadhili gari.

   Masomo: 2 Takriban dakika 36

   1. The Real Price of a Loan: High-Cost Traps and Safer Options

      Takriban dakika 18 Maswali ya maswali: 6

   2. Buying a Car: Get a Fair Loan and Avoid Dealer Traps

      Takriban dakika 18 Maswali ya maswali: 5

6. Mada 6

   Kadi za Mkopo na Kusimamia Deni

   Tumia kadi ya mkopo bila kulipa riba, unda mpango wa malipo unaofanya kazi, na ushughulikie wakusanyaji wa madeni, karatasi za mahakama, na bili za matibabu kwa ujasiri.

   Masomo: 3 Takriban dakika 49

   1. Use a Credit Card Without Paying Interest

      Takriban dakika 15 Maswali ya maswali: 5

   2. Make a Plan to Pay Off Debt

      Takriban dakika 16 Maswali ya maswali: 5

   3. Dealing with Debt Collectors and Collection Lawsuits

      Takriban dakika 18 Maswali ya maswali: 5

7. Mada 7

   Ufahamu wa Ulaghai na Ulinzi wa Utambulisho

   Tambua ulaghai wa leo, haswa ule unaolenga wahamiaji, wapangaji, na wanaotafuta kazi. Linda utambulisho wako bila malipo, na upate ikiwa umeibiwa.

   Masomo: 3 Takriban dakika 49

   1. Spot Today's Scams: Impostors, Texts, and Payment Apps

      Takriban dakika 15 Maswali ya maswali: 5

   2. Ulaghai unaolenga wahamiaji, wapangaji, na wanaotafuta kazi

      Takriban dakika 16 Maswali ya maswali: 5

   3. Protect Your Identity and Recover If It's Stolen

      Takriban dakika 18 Maswali ya maswali: 5

8. Mada 8

   Kukodisha na Uchaguzi wa Makazi

   Kodisha kwa ujasiri katika eneo la DC, na ulinganishe gharama halisi za kukodisha na kununua kabla ya kuanza njia ya kumiliki nyumba.

   Masomo: 2 Takriban dakika 34

   1. Renting in the DC Area: Leases, Deposits, and Your Rights

      Takriban dakika 18 Maswali ya maswali: 6

   2. Rent or Buy? Compare the Real Costs

      Takriban dakika 16 Maswali ya maswali: 5

9. Mada 9

   Kununua Nyumba na Kupata Rehani

   Tayarisha zaidi ya miezi 12, tumia usaidizi wa malipo ya ndani, linganisha ofa za mkopo, funga kwa usalama, na ujue mahali pa kugeukia ikiwa utarudi nyuma.

   Masomo: 3 Takriban dakika 52

   1. Get Mortgage-Ready: A 12-Month Plan

      Takriban dakika 16 Maswali ya maswali: 5

   2. Down Payment Help and Loan Types in DC, Maryland, and Virginia

      Takriban dakika 18 Maswali ya maswali: 6

   3. From Loan Estimate to Closing Day (and Keeping Your Home)

      Takriban dakika 18 Maswali ya maswali: 6

10. Mada 10

    Kujiandaa na Kupona kutoka kwa Mshtuko wa Kifedha

    Nini cha kufanya katika siku 30 za kwanza baada ya mapato kukoma, na mpango wa dharura wa familia kwa majanga, ugonjwa, na mabadiliko ya ghafla.

    Masomo: 2 Takriban dakika 30

    1. When Income Stops: Your First 30 Days

       Takriban dakika 15 Maswali ya maswali: 6

    2. Your Family's Financial Emergency Plan

       Takriban dakika 15 Maswali ya maswali: 6