What Is A Budget? | Cash Course | PragerU Kids

00:04:46
https://www.youtube.com/watch?v=CbhjhWleKGE

Ringkasan

TLDREl vídeo destaca la importància de tenir un pressupost per gestionar les finances i evitar la falta de diners, fins i tot amb ingressos alts. S'introdueix la regla 50/30/20, que suggereix gastar el 50% dels ingressos en necessitats, el 30% en desitjos i estalviar el 20%. Es proporcionen passos per crear un pressupost, incloent calcular els ingressos totals, classificar les despeses i establir metes d'estalvi. El pressupost no és només un límit, sinó una eina per utilitzar els diners de manera més intel·ligent i preparar-se per despeses inesperades.

Takeaways

  • 💰 Un pressupost és essencial per gestionar bé els diners.
  • 📊 La regla 50/30/20 ajuda a equilibrar ingressos, necessitats i desitjos.
  • 🪙 Estalviar el 20% dels ingressos és crucial per a la seguretat financera.
  • 🏡 Les necessitats són essencials, com el menjar i els pagaments de la llar.
  • 🛍️ Reduir despeses de desitjos pot ajudar a mantenir l'equilibri del pressupost.
  • 🎯 Establir metes financeres pot motivar l'estalvi.
  • 📉 Reviseu i ajusteu el pressupost regularment.
  • 📝 Prioritzeu les despeses per controlar el pressupost.
  • 🚀 Preparar-se per imprevistos ajuda a evitar la crisi financera.
  • 🌈 Un pressupost permet gaudir de la vida amb responsabilitat.

Garis waktu

  • 00:00:00 - 00:04:46

    En aquesta secció, es discuteix la importància d'un pressupost per gestionar les finances personals. Es menciona que moltes persones, incloent atletes milionaris, es troben en dificultats financeres a causa de la mala gestió dels diners. La solució proposada és seguir la regla 50/30/20, que recomana destinar el 50% dels ingressos a necessitats, el 30% a desitjos i el 20% a estalvis. Es detallen exemples pràctics de com aplicar aquesta regla en la vida diària i es subratlla la importància de l'estalvi i la planificació a llarg termini per aconseguir objectius financers.

Peta Pikiran

Video Tanya Jawab

  • Què és un pressupost?

    Un pressupost és un pla que ajuda a fer un seguiment dels ingressos, les despeses i els estalvis.

  • Quina regla s'ha de seguir per elaborar un pressupost?

    Seguiu la regla 50/30/20: 50% per necessitats, 30% per desitjos i 20% per estalvi.

  • Com puc començar a fer el meu pressupost?

    Calcular els ingressos totals, dividir-los en percentatges i prioritzar la despesa.

  • Quins són els beneficis d'un pressupost?

    Un pressupost ajuda a gestionar els diners de manera més eficient i es prepara per a despeses inesperades.

  • Per què és important estalviar?

    Estalviar permet tenir diners per a emergències i objectius futurs.

  • Quins són alguns exemples de necessitats?

    Les necessitats inclouen pagaments de la casa, aliments i despeses mèdiques.

  • Què són els desitjos en el pressupost?

    Els desitjos inclouen coses com sortir amb amics o compres no essencials.

  • Com em mantinc motivat per estalviar?

    Establir metes d'estalvi clares pot ajudar a mantenir la motivació.

  • Què fer si el pressupost està desequilibrat?

    Revisar primer la categoria de desitjos per reduir despeses.

  • És un pressupost una forma de limitar les meves despeses?

    No, un pressupost és una eina per fer un millor ús dels diners i gaudir de la vida.

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Gulir Otomatis:
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    have you ever noticed how some people
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    always seem to be broke even though they
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    have a good job no way why is it that so
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    many millionaire athletes go bankrupt as
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    soon as they
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    retire the truth is there are a lot of
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    ways to make money but not everyone uses
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    the money they make wisely they spend
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    too much on things they don't really
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    need then when times get tough or they
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    want to achieve a big goal like buying a
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    house or retiring early they realize
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    they don't have enough money left if you
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    want to make sure you're being smart
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    with your money you need at least one
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    very important thing a
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    [Music]
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    budget so what is a budget a budget is a
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    plan that will help you keep track of
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    how much money you make how much you
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    spend what you spend it on and how much
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    you save we'll look at one month as an
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    example let's say that when you combine
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    your allowance and the money you earn
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    from your part-time job you make $2,000
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    per month that total is called your
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    income so so what kind of budget should
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    I use to make sure I'm being smart with
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    my income there's a known rule from
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    professionals it's called the 503020
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    rule that means you can spend 50% of
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    your income on your needs 30% on your
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    wants and put 20% away in your
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    savings so what exactly would my budget
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    look like if I wanted to follow the 50
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    302 rule for most people spending is
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    easy and saving is hard so the first
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    thing to do is set aside the money you
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    should be saving according to the rule
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    that means 20% of your 20 $ income or
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    $400 will go straight into your savings
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    every month don't dip into your savings
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    until you really really need to
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    eventually this is the money that will
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    be there for you in an emergency or to
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    put towards something
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    expensive some people even start saving
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    for their retirement so that they can
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    travel and have fun when they're done
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    working don't be afraid to think
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    longterm okay now that your savings is
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    put away safe and sound you can look at
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    the rest of your budget 50% of your 20
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    income or $1,000 a month is what you
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    should keep handy for your needs things
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    that are absolutely necessary when
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    you're older this will be things like
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    house payments groceries medical bills
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    and stuff like that right now your needs
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    may be clothes lunch money sports
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    equipment or maybe a car one
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    day finally you can spend 30% of your
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    income or $600 a month on your wants in
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    other words things that you enjoy but
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    aren't as essential this will be the
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    money you spend on going out with
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    friends or shopping
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    your wants may be important to you but
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    they're not as important as your needs
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    or savings so if your budget is ever out
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    of balance and you need to reduce your
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    spending this is the category you should
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    look at first some of your wants may
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    seem small but they really add up like
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    if you spend just $3 at the vending
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    machine every day it doesn't seem like
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    much but at the end of the year that's
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    about $1,000 you could have save for
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    something awesome
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    instead so do you think you're ready to
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    make your own budget just follow a few
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    simple steps number one figure out your
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    income that's how much money I make
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    every month if you make money in a
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    couple different ways be sure to add it
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    all together so that you're working with
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    your total monthly income number two
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    divide your income into percentages
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    following the 503020 rule so you can see
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    exactly how much you should be spending
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    on needs and wants and how much you
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    should put away into your
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    savings number three prioritize your
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    spending think about things you already
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    spend your money on on and what category
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    they fit
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    into then decide what you need to do to
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    get your spending and saving habits to
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    match your new
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    budget number four set some goals it's
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    always easier to save up money when you
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    have a goal in mind maybe it's a trip
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    you want to go on or something nice you
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    want to buy or maybe you just want to
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    have peace of mind in case of an
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    emergency figure out how much money
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    you'll need for it and how long it will
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    take to save that up knowing what your
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    financial goals are is great motivation
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    to stick to your
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    budget all right now that you've got
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    your budget and a plan to achieve your
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    goals you can enjoy the confidence that
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    comes from being more prepared for those
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    surprise expenses that life might throw
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    at you just remember a budget is not an
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    end in itself it's a tool a way to help
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    you use every dollar wisely it isn't
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    about hoarding all the money you can get
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    but saving it so you can be ready for
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    the unexpected and enjoy
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    life subscribe and watch more at
  • 00:04:28
    prageru.com com
Tags
  • pressupost
  • finances personals
  • estalvi
  • despeses
  • regla 503020
  • objectius financers
  • gestió dels diners
  • ingressos
  • necessitats
  • desitjos