Kuɗi
Hanyar Tallafin Asusun Gaggawa
Kimanta watanni nawa kuɗin ku zai rufe mahimman kashe kuɗi lokacin da kuɗin shiga ya faɗi.
Ƙara zuwa wurin aikiƘimomin shigarwa
Ana sabunta sakamako yayin da kake rubutu. Babu maɓallin lissafi. Duk lissafin suna gudana a cikin burauzarka.
Watanni na titin jirgin sama
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Takaitaccen Bayani
| Adadin | |
|---|---|
| Kuɗin da ake amfani da su | — |
| Kuɗin da ake kashewa na wata-wata | — |
| Adadin ma'ajiyar ajiya | — |
| Jimlar kuɗi | — |
Raba kuɗi
An auna sanduna zuwa jimlar kuɗi. Ma'ajiyar ajiya ita ce kuɗin da kuka zaɓi kada ku kashe ko da a cikin gaggawa; kuɗin da za a iya amfani da shi shine abin da ke ba da kuɗin titin jirgin sama.
Titin Jirgin Sama a matakan buffer daban-daban
| An ajiye ma'ajiyar ajiya | Kuɗin da ake amfani da su | Titin Jirgin Sama |
|---|
Kowane layi yana sake ƙididdige kuɗin da za a iya amfani da su azaman lokutan kuɗi (1 ban da buffer) kuma yana raba da gibin wata-wata ɗaya.
Ƙa’ida
Gibin wata-wata = kuɗaɗen wata-wata - kuɗin shiga na gaggawa na wata-wata. Kuɗin da za a iya amfani da su = kuɗi × (1 − buffer%). Titin Jirgin Sama = kuɗin da za a iya amfani da su ÷ gibin wata-wata, lokacin da gibin ya kasance tabbatacce. Idan kuɗin shiga ya ƙunshi kuɗaɗen da za a kashe, titin jirgin sama ba a iyakance shi da kuɗi ba.
Misalin aiki
Kudi $120,000 tare da ma'ajiyar 10%: kuɗin da za a iya amfani da shi shine $120,000 × 90% = $108,000, an ajiye shi $12,000. Ragewar wata-wata shine $15,000 − $5,000 = $10,000, don haka ma'ajiyar hanya shine $108,000 ÷ $10,000 = watanni 10.8.
Amfani da iyakoki
Ana ɗaukar kashe kuɗi da kuɗin shiga na gaggawa a matsayin daidaitacce a kowane wata, ba tare da riba da aka samu akan kuɗi ba, babu sabbin basussuka, babu kuɗin da aka kashe sau ɗaya, kuma babu canji a ma'ajiyar. Gaggawa ta gaske suna da yawa: babban kuɗi guda ɗaya yana rage ma'ajiyar hanya fiye da yadda matsakaicin wata-wata ya nuna.
FAQ
Menene ma'aunin buffer?
Kuɗin da ba ku kashe da gangan ba: bene don kuɗaɗen da ba za a iya yin ciniki ba, ajiya, ko ajiyar kuɗi na wata bayan gaggawa. Babban ma'ajiyar hanya yana rage ma'ajiyar hanya amma yana barin matashin kai.
Idan kudin shiga na gaggawa ya rufe min kudaden da na kashe fa?
To, karancin kudin ya zama sifili ko kuma mara kyau kuma ba a fitar da kudi ba: titin jirgin sama ba a iyakance shi da tsabar kudi akan wadannan alkaluma ba. Kalkuleta ya ce haka maimakon raba shi da sifili.
Shin ya kamata kashe kuɗi su zama kashe kuɗi na yau da kullun ko kashe kuɗi kaɗan?
Kudin da aka kashe a matsayin na yau da kullun yana ba da ainihin titin jirgin sama na gaggawa. Kudin da aka kashe a matsayin na yau da kullun yana ba da adadi mai tsawo, mai rikitarwa; gudanar da duka biyun kuma kwatanta.
Shin kudi yana samun riba yayin da nake zana shi?
Ba a nan ba. Ribar da aka samu a tarin kudi kadan ne idan aka kwatanta da kudin da aka kashe a kowane wata, kuma idan aka yi la'akari da cewa babu wanda ke kiyaye kiyasin mai ra'ayin mazan jiya.
Nawa titin jirgin sama ya isa?
Wannan ya dogara da yanayinka kuma ba lamba ce da wannan kalkuleta ya tsara ba. Tsarin tsare-tsare na yau da kullun yana tsakanin 'yan watanni zuwa shekara; teburin hankali da ke sama yana nuna abin da kowane matakin buffer ke kashewa a cikin watanni.
Kayan aiki masu alaƙa
- Kalkuleta na Manufar Ajiyar Kuɗi — sake gina tarin kuɗi bayan amfani da shi
- Kalkuleta na Biyan Katin Kiredit — share bashin katin da ke zubar da kasafin kuɗi iri ɗaya
- Kalkuleta na ritaya — Tsarin tanadi na dogon lokaci
Sakamako kimantawa ne kawai kuma ba ya nufin shawarar ƙwararru.