Toliko zelja, a tako malo para- Prioriteti

Nazalost, menadzment novca je nesto vecina nas najvise treba u zivotu, a najmanje su nas o tome ucili. Da li znas gde ti je lova odlazi? Ne odlazi,valjda sama iz novcanika?

ü  Budzet je kao mapa

Budzet je mapa koja ce ti pokazati kako do para. Kad bi isao/la na put, sigurno bi seo/la I isplanirao/la put na Googlu ili MapQuest-u. Morala bi znas odakle kreces I gde zelis da stines (koliko para imas, gde prosis, I koliko zelis da imas na kraju ili na sta da potrosis). Mora da imas plan, da nebi imao vise meseci nego para (provali ovo!).

 

ü  Planiraj za crne dane, ili iznenadna putovanja

Imaj plan za crne dane ili hitne situacije, jer ce se desiti. Nije pitanje da li ce se desiti, vec kad. Ako nisi primetio/la, zivot se desava, crni dani ili hitne situacije se desavaju. To je jednostavno tako. Razmisli, mozda ti iskrsne neki dobar dil za more, skijanje, elektroniku, a ti bas nista nemas u fondu za hitne situacije.

 

ü  Izbegavaj dugove

Ako trenutno imas dug/ove, JEDINI nacin da ih se oslobodis jeste da prestanes da pozajmljujes I da pocnes da otplacujes. Zamisli da si se zaglavio u rupi. Pokusavas da se izvuces, kopas dublje I tako samo pravis rupu jos dubljom. To je smesno, besmisleno, apsurdo!!!Prestani da pozajmljujes!!! Pa kako kad moras da vracas dugove? Samo te tvoje dve ruke ili pametna glavica mogu izvuci tako sto ce ti na poslu zaraditi dovoljno da seizvuces iz te situacije.

 

Da li si ti ili neko blizak bio u finansijkom problemu? Znas li zasto si tamo stigao? Sta te je do toga dovelo a sta ti je pomoglo da se iz te sitiacije izvadis?

 

So many things, so little money- Priorities

Unfortunately, managing your money is one subject that students may need the most knowledge in life, but get the least amount of training. You need to know where your money is going, so it doesn’t just walk out of your wallet, as it may be doing now.

ü  Budget as Map

A budget is essentially a road map for handling your money. If you were going on a road trip, you would take the time to map out on Google or Map Quest where you were going and how you needed to get there. A budget is the same thing for your money. You have to have a game plan, otherwise you’ll always end up with more month than money (figure that out!).

 

ü  Plan for rainy days
You have to plan for emergencies, because they will happen. It is not a matter of if it is going to rain, but rather when it does rain, do you have an umbrella? In case you haven’t noticed, life happens. That’s just the way it goes.

 

ü  Avoid debt

If you currently have debt, the only way you’re ever going to get out of debt is to stop borrowing money. Think if you were stuck in a hole. As you tried to get out, you continued to dig down a few more feet, and make the hole just a little bigger. That’s ridiculous. Quit borrowing money!

‘We buy with the money we do not have, things we don’t need, to impress people I don’t know.’

How do you make your priorities? Share with us!