Household budget and net worth.
Subject of today's entry is nothing new for regular readers of the blog: the earlier entries drew both on budgeting, as well as the concept utorrent of net worth. Recently, however, something happened that made me realize the indissolubility of both of these issues, which is not necessarily as obvious as it might seem. And all this blame is our summary of expenditure for the previous month, which in total amounted to ...
There is no ... spending quite a bit as one month. Any clarifications regarding the residential project financed by such measures leave yourself to some other - more important is something else: sometimes becomes utorrent something that strongly distort the current picture of revenues and expenditures. Something that completely distort the current, almost perfectly equal, monthly spending:
He probably admit that even a much smaller outlay can seriously undermine the entire annual balance sheet and raises utorrent the question about the meaning of conduct lists, drawing medium, and forecasting the future. Because, as are the current utorrent 2,500 to nearly 100,000 zł zł, which have left our account in April? Well, nohow, so the natural conclusion is that the same conduct household budget, utorrent however legitimate and useful, absolutely not sufficient to determine whether you are well on your way to financial independence (whether total or partial).
Fortunately, utorrent there is a very simple utorrent way to control their own financial situation, despite occurring from time to time larger, not fully predictable surprises expenditure and revenue. The method is simple and relies on a combination of sources, which is a sheet of tracking monthly income and expenditure sheet summarizing and aggregating the data, which can be called at a glance: the image of the net.
The vast usefulness of a combination of both methods is one of the main reasons for which are not yet ready to put on applications for budgeting (which also do not trust because of the level of security entrusted to financial information). Most of them are good at the beginning, when you are just building a picture of your finances, we want to see leaks of money and looking for sources of savings. But when we come to the optimal spending level for us, and internal autopilot slowly takes control on well enough with his eyes closed, we can predict utorrent the next few months, there is the problem of tracking all of the assets (or, in many cases: debt), utorrent whose value changes are largely the resultant between the tracked monthly income and expenditure. If you know absolutely safe and comprehensive application to keep track of your household budget and net worth (TIAA ...), I'll try it willingly, and in the meantime let me hold the best of ways. And as of last month expenses at the level of 98,000 zł did not significantly affect utorrent our net worth, because our assets increased by apartment of similar value (in practice slightly less, because utorrent 98,000 zł includes the cost of the transaction, the tax PCC, notary fees, slightly purchases of construction, utorrent and monthly maintenance of my little family :)). Thanks to this, what we finally comes, that is, the net value, not suffered utorrent despite utorrent the huge expenditure: utorrent
- Not separate the classical tracking expenses and income (standard definition of "household budget") of its net worth - the two issues utorrent are inextricably linked, and one in considerable extent the result of the other.
- The impact of savings on the monthly net increase is useful for both novice savers and investors with years of experience. The former will be with flushed face followed the process of his getting out of debt and build the first beachheads financial stability, while others very quickly can roughly assess whether their investments in the last month have brought gains or losses (ie - if the net value has changed more than the result it is only from savings). Both some and others more or less consciously utorrent will try to determine its position on the road to financial independence (I recommend the entry of its stages, if you have not had the opportunity to read).
- Once again seen the disastrous influence of credit. When buying a good (or bad :)) consumer goods on credit, do not spend large amounts at once. Even the car for tens of thousands does not have to cause visible changes in the net value of the graph or in the level of expenditure. Ot - you bought something for which the coming years will pay a set amount every month and everything is fine and dandy. However, you do not see what discernible after buying for cash: a sudden, serious disequilibrium in the level of expenditure and the hole, which usually manifests itself in the graph net. Leaving the salon car for 60,000, you can boldly enter at least 65,000 on the expenditure side (insurance? Set of tires? Varnish m
Subject of today's entry is nothing new for regular readers of the blog: the earlier entries drew both on budgeting, as well as the concept utorrent of net worth. Recently, however, something happened that made me realize the indissolubility of both of these issues, which is not necessarily as obvious as it might seem. And all this blame is our summary of expenditure for the previous month, which in total amounted to ...
There is no ... spending quite a bit as one month. Any clarifications regarding the residential project financed by such measures leave yourself to some other - more important is something else: sometimes becomes utorrent something that strongly distort the current picture of revenues and expenditures. Something that completely distort the current, almost perfectly equal, monthly spending:
He probably admit that even a much smaller outlay can seriously undermine the entire annual balance sheet and raises utorrent the question about the meaning of conduct lists, drawing medium, and forecasting the future. Because, as are the current utorrent 2,500 to nearly 100,000 zł zł, which have left our account in April? Well, nohow, so the natural conclusion is that the same conduct household budget, utorrent however legitimate and useful, absolutely not sufficient to determine whether you are well on your way to financial independence (whether total or partial).
Fortunately, utorrent there is a very simple utorrent way to control their own financial situation, despite occurring from time to time larger, not fully predictable surprises expenditure and revenue. The method is simple and relies on a combination of sources, which is a sheet of tracking monthly income and expenditure sheet summarizing and aggregating the data, which can be called at a glance: the image of the net.
The vast usefulness of a combination of both methods is one of the main reasons for which are not yet ready to put on applications for budgeting (which also do not trust because of the level of security entrusted to financial information). Most of them are good at the beginning, when you are just building a picture of your finances, we want to see leaks of money and looking for sources of savings. But when we come to the optimal spending level for us, and internal autopilot slowly takes control on well enough with his eyes closed, we can predict utorrent the next few months, there is the problem of tracking all of the assets (or, in many cases: debt), utorrent whose value changes are largely the resultant between the tracked monthly income and expenditure. If you know absolutely safe and comprehensive application to keep track of your household budget and net worth (TIAA ...), I'll try it willingly, and in the meantime let me hold the best of ways. And as of last month expenses at the level of 98,000 zł did not significantly affect utorrent our net worth, because our assets increased by apartment of similar value (in practice slightly less, because utorrent 98,000 zł includes the cost of the transaction, the tax PCC, notary fees, slightly purchases of construction, utorrent and monthly maintenance of my little family :)). Thanks to this, what we finally comes, that is, the net value, not suffered utorrent despite utorrent the huge expenditure: utorrent
- Not separate the classical tracking expenses and income (standard definition of "household budget") of its net worth - the two issues utorrent are inextricably linked, and one in considerable extent the result of the other.
- The impact of savings on the monthly net increase is useful for both novice savers and investors with years of experience. The former will be with flushed face followed the process of his getting out of debt and build the first beachheads financial stability, while others very quickly can roughly assess whether their investments in the last month have brought gains or losses (ie - if the net value has changed more than the result it is only from savings). Both some and others more or less consciously utorrent will try to determine its position on the road to financial independence (I recommend the entry of its stages, if you have not had the opportunity to read).
- Once again seen the disastrous influence of credit. When buying a good (or bad :)) consumer goods on credit, do not spend large amounts at once. Even the car for tens of thousands does not have to cause visible changes in the net value of the graph or in the level of expenditure. Ot - you bought something for which the coming years will pay a set amount every month and everything is fine and dandy. However, you do not see what discernible after buying for cash: a sudden, serious disequilibrium in the level of expenditure and the hole, which usually manifests itself in the graph net. Leaving the salon car for 60,000, you can boldly enter at least 65,000 on the expenditure side (insurance? Set of tires? Varnish m
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