Home budget (Budżet domowy), PART 1

Home budget (Budżet domowy), PART 1

W poniższym dwuczęściowym artykule dowiecie się jak zarządzać budżetem domowym. Część pierwsza skupia się na pierwszym etapie tworzenia budżetu, a mianowicie zestawianiu przychodów oraz wydatków. Zmieniliśmy nieco koncepcję – cały tekst został napisany w języku angielskim, a ważniejsze słowa oraz wyrażenia związane z tematem a także ogólnie finansami zostały podkreślone i wyjaśnione pod artykułem w sekcji „Word Bank”.

 

 

Money makes the world go round, right? Well, some people will definitely agree, others may have objections. What is undeniably true, however, is that we can’t get by without it and it’s important to understand how to handle money in our everyday life. Home budget is usually one of the first aspects of finance that requires the ability to manage income and expenses and it applies to virtually everyone.

There are a few steps to a good home budget. Firstly, we need to determine our income. Grab a piece of paper and write down all the sources you get money from on a monthly basis (or at least regularly) – your job, odd jobs, bank account interest rate, renting out places, just to name a few. The amount of money received from each of these activities doesn’t have to be fixed for the budget to do its job. Just remember to adjust your income every month if there are any fluctuations.

Once you’ve established your income for a given month, you can proceed and list your expenses. Importantly, include ALL expenses if you want the budget to truly reflect your financial situation. Apart from your bills (rent, electricity, water, gas, TV, Internet, telephone, credit installments) don’t forget about such “trivial” expenses like food, gym membership, beautician, hairdresser, savings for your retirement, petrol, etc.). Since some of these expenses are not fixed, at the beginning of a month you would have to estimate how much, give or take, they will be (don’t worry, this skill comes with experience).

 

Word Bank:

finance – finanse

income – dochód

expenses – wydatki

sources (of income) – źródła (dochodu)

odd jobs – prace dorywcze

bank account interest rate – oprocentowanie konta bankowego

credit installment – rata kredytu

savings for your retirement – oszczędności na emeryturę

estimate – szacować