You need a Budget (YNAB) waa mid ka mid ah barnaamijyada miisaaniyadaynta ee caanka ah ee ka caawiya dadka inay gacanta ku dhigaan dhaqaalahooda. YNAB waxay isticmaashaa waxa loo yaqaan miisaaniyadayn eber ku salaysan^{(zero-based budgeting)} si ay kaaga caawiso inaad ku meelayso dhammaan dhaqaalaha soo gala meeshooda saxda ah.

Mid ka mid ah sifooyinka ugu faa'iidada badan ee YNAB waa qaabka Sanduuqa Gurmadka^{(Emergency Fund)} ee ku dhex dhisan . Waxay kuu ogolaanaysaa inaad qorsheysato hadaf kaydkaaga degdega ah oo aad dejiso sannad yool ah markaad rabto inaad gaadho. Kadib, YNAB waxay si toos ah u xisaabisaa inta aad u baahan tahay inaad kaydiso bil kasta si aad halkaas u hesho.

Waa maxay Sanduuqa Gurmadka?

Qof kastaa waa in loo dhigaa sanduuqa xaaladaha degdegga ah si uu barkin u noqdo marka ay noloshu ku dhacdo isbedel lama filaan ah oo ka sii daran. Sanduuqa degdega ah waa lacag caddaan ah oo aad u badan oo dabooli doonta kharashyo waaweyn oo lama filaan ah ama ku filan in lagu daboolo dhammaan biilashaada dhowr bilood ama ka badan.

Dhacdooyinka laga yaabo inay u baahdaan sanduuqa gurmadka waxaa ka mid ah:

• Luminta shaqadaada.
• Lahaanshaha xaalad caafimaad oo degdeg ah.
• Dayactirka guriga ama qalabka waaweyn.
• Dayactirka baabuurta waaweyn.
• Safarka lama filaanka ah ee xaaladaha degdega ah ee qoyska.

Dadku waxay dhibaato ku qabaan dhisidda sanduuqa xaaladaha degdegga ah sababtoo ah ma jirto meel ay ku yar tahay miisaaniyad kasta. Si kastaba ha ahaatee, iyadoo YNAB ay u qoondayso dhammaan lacagaha soo gala qaybo miisaaniyadeed oo gaar ah marka ay lacagtu soo gasho, waxay kugu dhiirigelinaysaa inaad u qoondayso ugu yaraan xoogaa dakhli ah miisaaniyadan bil kasta.

Haysashada ukun yar oo buul ah waxay kaa yarayn kartaa walbahaarka sababtoo ah xitaa marka ay wax musiibo ahi ku dhuftaan, waxaad ogaan doontaa inaad haysato wakhti aad ku xalliso arrimaha adoon noloshaada dumin.

Intee in^(Should) le'eg ayay tahay inaad ku kaydsato Sanduuqa Gurmadka?

Inta badan khubarada maaliyadeed waxay ku heshiiyaan inaad haysato sanduuq badbaado oo sidan oo kale ah si uu kaaga caawiyo inaad bixiso biilasha muhiimka ah ugu yaraan 3 ilaa 6 bilood.

Si aad taas u ogaato, fiiri dhammaan biilashaada oo ku dar kuwa aadan ka maarmi karin oo aadan bixinin 3 ilaa 6 bilood. Kuwani waxay noqon lahaayeen waxyaabo sida:

• Amaahda
• Amaahda baabuurta
• Raashinka
• Shidaal lagu tago oo laga soo galo shaqada
• Utility sida korontada, kulaylka, iyo biyaha

Haddii aad haysato meel kugu filan miisaaniyadaada^{(in your budget)} , waxa kale oo aad ku dari kartaa kharashyada sida kaararka deynta, amaahda shakhsi ahaaneed, iyo adeegyada madadaalada. Si kastaba ha ahaatee, qaar badan oo kuwan ka mid ah waa la kordhin karaa ama waa la tirtiri karaa in muddo ah haddii aad wacdo shirkadda oo aad weydiiso.

Marka aad xisaabiso wadarta cadadka aad u baahan tahay si aad u noolaato 3 ilaa 6 bilood, waa waqtigii aad ku habeyn lahayd Sanduuqaaga Gurmadka^{(Emergency Fund)} ee YNAB .

Dejinta Sanduuqaaga Degdegga ah ee YNAB

Fur bogga YNAB^{(YNAB website)} oo gal akoonkaaga. U gudub^(Scroll) shayga Sanduuqa Gurmadka^{(Emergency Fund)} oo dooro.

Tani waxay ku furi doontaa tifaftiraha Sanduuqa Gurmadka^{(Emergency Fund)} ee shayga saxda ah. Halkan waxa aad ku habayn kartaa oo aad ku maamuli kartaa sanduuqaaga xaaladaha degdegga ah wakhti ka dib.

Xagga sare ee muraayaddan waa heerka hadda ee sanduuqaaga. Waxaad arki doontaa bartilmaameedka ugu sarreeya iyo sida ugu wanaagsan ee aad u maalgalinayso sanduuqa talada hoostiisa.

Sanduuqa talada ee dhexda ku yaal wuxuu ku siinayaa xoogaa tilmaamo ah oo ku saabsan inta aad u baahan tahay si aad ugu meeleyso Sanduuqa Xaaladda Degdegga ah^{(Emergency Fund)} bishaan si aad ugu dhawaato yoolkaga. Waxaad halkan ku arki doontaa dhawr ikhtiyaar.

• Intee in le'eg ayaa dib loogu celin karaa sanduuqa si aad u buuxiso wax kasta oo aad ka bixisay bishan (lacag laga saaray).
• Qadarka aad u baahan tahay si aad u qoondayso wadar ahaan bishan si aad u sii ahaato bartilmaameedka isbeddelka guud ee kaydinta laga bilaabo hadda ilaa sanadka aad beegsanayso.
• Qadarka aad u baahan tahay inaad ku meelayso bishan si aad ugu yaraan horumar dhexdhexaad ah ugu samayso yoolkaaga (inkasta oo ay ka hoosayso isbeddelka kaydinta bartilmaameedka).

Haddii aad rabto inaad hagaajiso yoolka kaydinta bartilmaameedkaaga^{(target savings goal)} (ama haddii aadan weli dejin), dooro Tafatirka Bartilmaameedka^{(Edit Target)} .

Tani waxay furi doontaa daaqada Target halkaas oo aad dejin karto yoolka sanduuqa xaaladda degdegga ah iyo taariikhda marka aad rabto in aad si buuxda u hesho sanduuqa degdegga ah.

Dooro Badbaadinta Bartilmaameedka^{(Save Target)} marka aad dhammayso. Hadda oo hadafkaaga sanduuqa degdega ah la dejiyay, waxaad diyaar u tahay inaad bilawdo lacag u qoondaynta bil kasta oo aad la socoto horumarkaaga yoolkaas.

Maaraynta iyo La-socodka Sanduuqaaga Degdegga ah ee YNAB^{(Monitoring Your YNAB Emergency Fund)}

Bil kasta marka aad doorato sanduuqa xaaladda degdegga ah, muraayadda sare waxay ku siin doontaa talo degdeg ah oo ku saabsan waxa aad u baahan tahay inaad samayso si aad u gaadho bartilmaameedka sanduuqa taariikhda aad sheegtay.

Fikrad ahaan, waa inaad ku dhufato "ku sii wad" qaddarka uu lataliyuhu ku bixiyo sanduuqan. Taasi waxay hubin doontaa inaad ku sii socoto isbeddelka kaydka ee ay qiyaastay YNAB . 

Haddii aad tan dib uga dhacdo bil kasta, waa inaad ku darto xitaa wax ka badan bisha soo socota. Tani waa jiiriiq sibiq leh oo lagu geli karo waxayna adkeyn doontaa inaad gaarto yoolkaaga taariikhda aad rabto.

YNAB waxa kale oo ay ku siinaysaa xidhiidhyo degdeg ah oo kaa caawinaya in aad ku meelayso qaddarka saxda ah ee dakhligaaga bishii. Kaliya^(Just) hoos ugu dhaadhac qaybta Auto-Assign si aad u aragto kuwan.

Dooro^(Select) mid ka mid ah xiriiriyeyaasha soo socda si aad si toos ah ugu qoondayso qaddarka muuqda midigtiisa.

• Lacag la'aan^{(Underfunded)} : Miisaaniyad ku filan in lagu maalgeliyo yoolka, si aad horumar u sameyso.
• La qoondeeyey bishii hore^{(Assigned Last Month)} : Isticmaal isla qaddarkii aad ku qortay sanduuqaaga bishii hore.
• La Qaatay Bishii^{(Spent Last Month)} La Soo Dhaafay : Ma khusayso sanduuqa xaaladaha degdegga ah.
• Celceliska^{(Average Assigned)} La qoondeeyey : Waxa ay miisaaniyadayn doontaa celceliska 12 bilood ee waxa aad meelaynaysay wakhti hore.
• Celceliska Kharashaadka^{(Average Spent)} : Aan khusayn sanduuqa xaaladaha degdegga ah.
• Dib u habayn qadarka la heli karo^{(Reset Available Amount)} : Ku celi lacagaha la hayo 0.
• Dib u habayn^{(Reset Assigned Amount)} qadarka loo qoondeeyay: Dib u habayn qadarka loo qoondeeyay bishan 0.

Dhanka hoose ee muraayadda saxda ah, waxaad arki doontaa wadarta guud ee la xidhiidha sanduuqaaga. Halkani waa halka aad ka heli karto hadhaaga guud ee hadda jira iyo inta kaa hadhay bishii hore ee soo gashay bishan.

Waxa kale oo aad arki doontaa cadadka aad u qoondaysay sanduuqa ilaa hadda bishan.

Kharashaadka Lacagta caddaanka ah^{(Cash Spending)} iyo Kharashaadka Amaahda^{(Credit Spending)} maaha kuwo khuseeya Sanduuqa Xaaladda Degdegga ah^{(Emergency Fund)} , markaa waxaad iska indho tiri kartaa baaqyadan.

Hal shay oo kale oo aad ka ogaan karto isticmaalka Sanduuqa Degdegga ah ee YNAB^{(YNAB Emergency Fund)} ayaa ah inaad si dhakhso leh u arki karto diiwaanka xaddiyadii hore ee aad ka soo guurtay oo aad ka soo guurtay sanduuqa muddo ka dib.

Kaliya dooro summada saacadda yar ee ku xigta qaddarka aad u qoondaysay sanduuqa bishan.

Daaqad ayaa soo bixi doonta meesha aad ka dhex mari karto dhammaan taariikhda wax kala iibsiga ee gudaha iyo ka baxsan sanduuqaas.

Deji Sanduuqaaga Degdegga ah ee YNAB Hadda

Sanduuqa Gurmadka degdega ah^{(Emergency Fund)} ee YNAB waa waxa ugu horreeya ee ay tahay inaad lacag u qoondayso. Ha illoobin sifadan. Tixgeli inta aad u baahan tahay inaad ku noolaato 3 ilaa 6 bilood oo deji yoolka.

Ku dadaal inaad u qoondayso qaddarka aad u baahan tahay si aad u gaadho yoolkaas. Marka aad sameyso, waxaad awoodi doontaa inaad si fiican u seexato habeenkii, adigoo og in xitaa haddii ay noloshu kugu tuurto kubbad-curveball, waxaad heli doontaa taageero dhaqaale si aad u nuugo.

YNAB Emergency Fund: How to Build Your Safety Net

You Need a Budget (YNAB) is one of the more popular budgeting apps that helps people take control of their finances. YNAB uses what’s known as zero-based budgeting to help you assign all incoming finances to their rightful place.

One of the most useful features of YNAB is the built-in Emergency Fund feature. It lets you plan a goal for your emergency savings and set a target year when you want to achieve it. Then, YNAB automatically calculates exactly how much you need to save every month to get there.

What Is an Emergency Fund?

Everyone should have an emergency fund set aside as a cushion for when life takes an unexpected turn for the worse. An emergency fund is a fairly large sum of cash that’ll cover either unexpected large expenses or enough to cover all of your bills for a few months or more.

Events that might require an emergency fund include:

• Losing your job.
• Having a medical emergency.
• Major home or appliance repairs.
• Major car repairs.
• Unexpected travel for family emergencies.

People have a problem with building up an emergency fund because there’s rarely room for it in any budget. However, as YNAB assigns all incoming funds to specific budget categories as the money comes in, it encourages you to allocate at least some income to this budget each month.

Having this small nest egg can reduce your stress because even when something catastrophic hits, you’ll know you have some time to figure things out without it ruining your life.

How Much Should You Save in an Emergency Fund?

Most financial experts agree that you should have a safety fund like this to help you pay your critical bills for at least 3 to 6 months.

To figure this out, look through all of your bills and add up those you couldn’t get away with not paying for 3 to 6 months. These would be things like:

• Mortgage
• Car loans
• Groceries
• Fuel to get to and from work
• Utilities like electricity, heat, and water

If you have enough room in your budget, you could also include expenses like credit cards, personal loans, and entertainment services. However, many of these can be extended or canceled for some time if you call the company and ask.

Once you’ve calculated the total amount you need to survive for 3 to 6 months, it’s time to configure your Emergency Fund in YNAB.

Setting Up Your YNAB Emergency Fund

Open the YNAB website and log into your account. Scroll to the Emergency Fund item and select it.

This will open the Emergency Fund editor in the right pane. Here you can configure and manage your emergency fund over time.

At the top of this pane is the current status of your fund. You’ll see the target at the top and how well you’re doing funding it under the advice box.

The advice box in the middle gives you some tips on how much you need to assign to the Emergency Fund this month to get closer to your goal. You’ll notice several options here.

• How much to move back to the fund to make up for anything you spent from it this month (removed money).
• The amount you need to assign in total this month to stay on target with the overall savings trend from now until your target year.
• The amount you need to assign this month to at least make moderate progress toward your goal (even though it’s below the target savings trend).

If you want to adjust your target savings goal (or if you haven’t set it up yet), select Edit Target.

This will open the Target window where you can set the emergency fund goal and the date when you want to have that emergency fund fully available.

Select Save Target when you’re done. Now that your emergency fund goal is set, you’re ready to start assigning funds to it every month and monitoring your progress toward that goal.

Managing and Monitoring Your YNAB Emergency Fund

Each month when you select the emergency fund, the top pane will give you quick advice about what you need to do to reach that fund target by the date you specified.

Ideally, you should hit the “stay on track” amount that the advisor offers in this box. That will ensure that you’re staying right on the savings trend estimated by YNAB. 

If you fall behind this in any month, you’re going to have to add even more the following month. This is a slippery slope to get into and will make it very difficult to hit your goal by the date you want to.

YNAB also provides some quick links to help you assign the right amount of your monthly income. Just scroll down to the Auto-Assign section to see these.

Select any of the following links to automatically assign the amount displayed to the right of it.

• Underfunded: Budget just enough to fund the target, so you make some progress.
• Assigned Last Month: Use the same amount you assigned to your fund last month.
• Spent Last Month: Not relevant for an emergency fund.
• Average Assigned: Will budget the 12 month average of what you’ve been assigning in the past.
• Average Spent: Not relevant for an emergency fund.
• Reset Available Amount: Reset the available funds to 0.
• Reset Assigned Amount: Reset the assigned amount this month to 0.

Toward the bottom of the right pane, you’ll see the totals related to your fund. This is where you can find the current total balance and how much you had leftover from last month that rolled into this month.

You’ll also see the amount that you’ve assigned to the fund so far this month.

Cash Spending and Credit Spending aren’t relevant for the Emergency Fund, so you can ignore these balances.

One more thing to know about using the YNAB Emergency Fund is that you can quickly see a record of the past amounts you’ve moved in and out of the fund over time.

Just select the small clock icon next to the amount you’ve assigned to the fund this month.

A window will appear where you can scroll through the entire history of all of the transactions in and out of that fund.

Set Up Your YNAB Emergency Fund Now

The Emergency Fund in YNAB is the first thing you should assign money to. Don’t ignore this feature. Figure out how much you’ll need to live on for 3 to 6 months and set up the goal.

Be diligent about assigning the amount you need to reach that goal. Once you do, you’ll be able to sleep better at night, knowing that even if life throws you a curveball, you’ll have the financial backing to absorb it.

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