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Moliyaviy reja — bu
Sizning daromadingiz, xarajatlaringiz, jamg‘armangiz va investitsiyangizni bir tizimga soluvchi “yo‘l xarita”.
Shaxsiy moliyada xarajatlar — bu
Insonning daromadini turli ehtiyoj va maqsadlar uchun sarflash jarayonidir.
70,20,10 modelini tushuntiring
70% — zarur ehtiyojlar,20% — shaxsiy ehtiyojlar,10% — jamg‘arma va investitsiya
Moliyaviy maqsad turlari nechta va qaysilar
Qisqa muddatli , O‘rta muddatli , Uzoq muddatli
Pay yourself first” tamoyili ma'nosi
Avval jamg‘arma ajratiladi, keyin xarajat qilinadi.
Impulsiv xarid nima
bu oldindan reja qilinmasdan, birdaniga o‘ylamasdan qilinadigan xarid.
Xarajatlar nechta turga bo'linadi va ular qaysilar
3ta: Majburiy , o'zgaruvchan va ixtiyoriy
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