Ni mutum ne a teburin ina kallon takardar biyan kuɗi ina gunaguni "to kashi ashirin cikin dari na... uh..." yayin da kowa ke jira. Sai ya zama lissafin ba shi da wuya ko kaɗan — ban taɓa damu ba don koyan gajeriyar hanya maimakon dogaro da wayata a kowane lokaci. Da zarar ya fahimce ni, ya fahimce ni har abada, kuma yanzu ina da saurin ban haushi a wannan.
Ga abin da babu wanda ya gaya maka: tips, haraji, da raba kudi duk suna amfani da dabara ɗaya, kawai an nuna su ta hanyoyi daban-daban. Ka koya sau ɗaya, ka yi amfani da shi a ko'ina.
Tip
A ce kudin $64 ne kuma kana son barin 18%. Kada ka yi ƙoƙarin yin 18% a kai tsaye — a nan ne mutane ke daskarewa. Yi 10% da farko, domin yana da sauƙi: kawai matsar da ma'anar decimal wuri ɗaya zuwa hagu. $64 ya zama $6.40. Yanzu kana da anka. Ninka shi sau biyu kuma ka kai 20% ($12.80), wanda ya kusa da 18%. Ka rage kaɗan — ka kira shi dala goma sha ɗaya da rabi — kuma ka kai wurin. Babu wanda ke bincika aikinka har dinari.
Haraji
Wannan yana damun mutane domin yana aiki akasin yadda kake tsammani — maimakon ka rage wani abu, kana ƙara wani abu. Kayan $45 tare da haraji 8% ba $45 rage wani abu ba ne, $45 sau 1.08 ne, wanda yake $48.60. Ban fahimci wannan ba na dogon lokaci mai ban kunya domin ina ƙoƙarin ragewa yayin da ya kamata in ninka. Idan aikinka kawai shine neman adadin haraji (ba jimla ba), shine kawai $45 × 0.08 = $3.60.
Raba Kudi
A nan ne ainihin gardama ke faruwa, ba don kowa maras kyauta ba, amma domin mutane suna yin matakai a cikin tsari mara kyau. Dole ne ka ƙara haraji da farko, sannan tip a kansa, sannan ka raba da yawan mutanen da ke teburin. Idan ka yi shi ba bisa ka'ida ba, wani zai gaza.
Misali na Gaskiya — Abincin Dare na Mutum Biyar
$150 jimlar farko, haraji 9%, tip 18%:
- Haraji da farko: 150 × 1.09 = $163.50
- Tip akan wannan sabon lambar: 163.50 × 1.18 = $192.93
- Sannan raba biyar: 192.93 ÷ 5 = $38.59 kowane
Tip da Haraji a Duniya
Abu daya da ya kamata ka sani idan kana tafiya: tip ba ta duniya ba ce. Kashi goma sha biyar zuwa ashirin shine al'ada a Amurka, amma a yawancin Turai da Asiya an riga an saka kuɗin hidima a farashin, don haka ba da babban tip ko dai ba lallai ba ne ko kuma yana damun ma'aikata. Na gano wannan ta hanya mara kyau a Tokyo, ina ƙoƙarin barin ƙarin kuɗi a teburin, wanda a fili ba abu ba ne a can. Haraji kuma yana aiki haka — wasu wurare suna nuna maka farashin da ya riga ya haɗa da shi, wasu kuma suna saka shi a wurin biyan kuɗi, wanda ke da mamaki idan ba ka tsammani ba.
- Amurka: Tip 15–20%, ana ƙara haraji a wurin biyan kuɗi
- Turai: Kuɗin hidima sau da yawa an haɗa, 5–10% don hidima ta musamman
- Japan: Ba a tsammanin tip, haraji yawanci an haɗa
- Australia: Babu al'adar tip, haraji an haɗa a farashin da aka nuna
- UK: Kuɗin hidima wani lokaci an haɗa, 10–15% na zaɓi
Babu ɗayan waɗannan da ke buƙatar app na musamman ko digiri na lissafi. Matakai uku ne: tip a sama, haraji a sama, sannan raba — kuma bayan ka yi shi da hannu sau da yawa, ka daina buƙatar tunani game da shi gaba ɗaya. Ka sani kawai.
Teburin Tunawa da Sauri
| Jimlar Farko | Tip 15% | Tip 18% | Tip 20% | Tare da Haraji 8% + Tip 18% |
|---|---|---|---|---|
| $20.00 | $3.00 | $3.60 | $4.00 | $25.49 |
| $35.00 | $5.25 | $6.30 | $7.00 | $44.60 |
| $50.00 | $7.50 | $9.00 | $10.00 | $63.72 |
| $75.00 | $11.25 | $13.50 | $15.00 | $95.58 |
| $100.00 | $15.00 | $18.00 | $20.00 | $127.44 |
| $150.00 | $22.50 | $27.00 | $30.00 | $191.16 |
| $200.00 | $30.00 | $36.00 | $40.00 | $254.88 |