Иргэн та хувийн санхүүгээ төлөвлөсөн үү?

ene

“Хаана хүрэхээ мэдэхгүй хүн яаж хүрэхээ мэдэхгүй. Хаа нэгэн газар очлоо ч өөрийн очих ёстой байсан газар гэдгээ мэдэхгүй” гэж нэгэн гүн ухаантан хэлжээ. Түүнтэй адил хүн бүрт хүсэл мөрөөдөл бий. Гагцхүү хүсэл мөрөөдлөө биелүүлэхийн тулд ямар зам туулах вэ гэдгээ тодорхойлох учиртай.

Төлөвлөгөөгүй, адгуу, залхуу зам сонговол мэдээж буруу замаар будаа тээнэ. Нарийн төлөвлөгөөтэй, хөдөлмөрч зам сонговол хүсэл мөрөөдөлдөө хүрнэ. Тэрхүү зөв замыг “Хувь хүний санхүүгийн төлөвлөлт”-өөр илэрхийлж болох юм. Санхүүгээ зөв удирдсан хүн өмнөө тавьсан амьдралын зорилгууддаа хүрнэ. Таны амьдралын зорилго, хүсэл мөрөөдөлд орон сууцтай болох, шинэ машин авах, хүүхдээ гадаадад сургуульд сургах, үнэт эдлэл авах, дэлхийг тойрон аялах, сурч боловсрох, өөрийн бизнесийг эхлүүлэх, алдартай зохиолч, алдартай дуучин болох гэх мэт олон зүйлс байж болно.

Гэвч энэ бүхнээ хувийн санхүүгийн төлөвлөгөөгүйгээр биелүүлнэ гэдэг бараг л боломжгүй. Учир нь энэ бүх хүсэл мөрөөдлийг биелүүлэхэд мөнгө ямар нэг хэмжээгээр заавал оролцож байдаг учраас тэр юм. Тиймээс санхүүгээ сайн төлөвлөх нь мөрөөдөлдөө хүрэх цорын ганц зам гэдгийг мэргэжилтнүүд зөвлөж байна. МУИС-ийн Эдийн засгийн тэнхимийн багш Б.Алтанцэцэгийн “Хэрэглэгчдийн итгэлийн индекс ба 2019 оны хүлээлт” судалгаанд нэгэн сонирхолтой жишээ байх юм.

Энэ судалгааг хийхийн тулд иргэдээс “2019 онд эдийн засаг ямар байх вэ” гэдэг асуулт асуужээ. Харин иргэд гутрангиар ойрын ирээдүйгээ харсан хариулт хэлсэн байна. Тодруулбал, иргэдийн 72-80 хувь нь “Инфляц өснө” гэсэн хүлээлттэй байсан бол “Ам. долларын ханш цаашид өсөх эсэхийг мэдэхгүй” гэж ихэнх нь хариулжээ. Үүнээс дүгнээд иргэдийн суурь санхүүгийн ойлголт хүртээмжтэй. Харин ахисан төвшний буюу хөрөнгийн зах зээл, банк, санхүү, даатгалын тухай төдийлөн ойлгодоггүй гэдгийг судалгаанд дүгнэсэн байна. Иргэд “ирэх зургаан сард эдийн засаг сайжирна. Цалин ч нэмэгдэнэ” гэсэн хүлээлттэй зээл авдаг.

Гэтэл ямар нэгэн төрийн бодлого, гадаад нөхцөл байдлаас шалтгаалж нөхцөл байдал өөрчлөгдсөн тохиолдолд зорилго нь талаар болдог гэнэ. Тиймээс ямар нэгэн зүйлд найдалгүй найдвартайгаар санхүүгээ төлөвлөх учиртай гэдгийг мэргэжилтнүүд зөвлөж байна. Ингээд та бүхэнд “Санхүүгээ хэрхэн төлөвлөх” талаар судлаачид хэрхэн зөвлөснийг хүргэе.

ХУВИЙН САНХҮҮГЭЭ ХЭРХЭН ОНОВЧТОЙ ТӨЛӨВЛӨХ ВЭ

Танд хэрэгтэй зүйлс Хадгаламжийн данс Тэмдэглэх цаас Тооны машин Зарлага бүрээ тэмдэглэ. Магадгүй зарлагуудаа ангилж болох юм. Хоол хүнс, энтертаймент, тээвэр гэх мэтчилэн. Зарлагын жагсаалтаа сарын эцэст харж хаана хэмнэлт гаргаж болох талаар бодож үзээрэй. Сарынхаа орлого зарлагыг ангилал бүрт хуваан хувилж үзээрэй. Өөрөө өөртөө шударга байж, хэрэггүй зардлуудаа багасга. Зарлага бүрээ тэмдэглэхээр таны илүү хэрэглээ нь юу байна гэдэг нь тодорхой гарч ирнэ. Хадгаламжийн дансандаа мөнгө хий. Өөрийн cap бүрийн орлогын 10 хувь бүрийг хадгаламжиндаа хийгээрэй.

Шаардлагагүй тохиолдолд хадгаламж дахь мөнгөө бүү хэрэглээрэй. Хугацаатай хадгаламжийн данс нээснээр дэмий зарлага гаргахаас сэргийлж чадна. Санхүүгийн төлөвлөгөө тооцоо нь таныг баригдмал чөлөөтэй байхад тань саад болж байгаа мэт эхэндээ санагдах боловч хоёр cap та хэрэгжүүлээд үзээрэй, үр дүнг гайхах болно. Хэрэглээгээ ангилж түүндээ зориулан хадгаламж үүсгэх нь ил үү ухаалаг зарцуулалт, хэмнэлтэд хүргэнэ.

Хүүхдүүддээ мөнгөний үнэ цэнийг эртнээс мэдрүүлэх Сэтгэлзүйн хувьд санхүүгийн асуудлыг хүндрүүлэхгүйгээр авч үзэх Хамгийн багадаа хоёр сарын турш бүх зарлага, орлогоо тэмдэглэх Та эдгээрийг хэрэгжүүлж үзээрэй, хэрэгжүүлж үзсэнийхээ дараа л үр дүнг харах боломжтойг сана.

Эх сурвалж: “Хувь хүний санхүү” ном

МӨНГӨ САНХҮҮГЭЭ ТӨЛӨВЛӨХ ТАВАН ҮЕ ШАТ

Нэгдүгээрт, Одоогийн нөхцөл байдлаа үнэлэх. Хувь хүн, эсвэл өрх гэр орлого, зарлагын тайлан гаргаж санхүүгийн өнөөгийн нөхцөл байдлаа үнэлэх нь чухал. Балансыг хоёр баганатай хүснэгтээр гаргаж болно. Нэг баганад бэлэн мөнгө, хувцас, үнэт эдлэл, бусад эд хогшил, үл хөдлөх хөрөнгө тус бүрийн мөнгөн дүн, нөгөө баганад өр төлбөр, бусдын өмнө хүлээсэн үүргийн мөнгөн дүнг харуулна. Харин орлого зарлагын тайланг долоо хоногоор, сараар, эсвэл жилийн орлого, зарлагаа нэг бүрчлэн бичиж хүснэгтээр гаргана. Энэ хоёр хүснэгтээс та юуны өмнө зардлаа хэрхэн багасгах талаар эхний дүгнэлт хийж болно.

Цаашлаад ирээдүйд олох орлогоо нэмэгдүүлэх боломжийг аль болох бодитой тооцоолж харах нь чухал. Хоёрдугаарт, Зорилгоо тодорхойлох. Юуны өмнө өөрийн хуримтлал хийх хэрэгцээ, шаардлагаа сайтар бодож тунгаах хэрэгтэй. Тухайлбал, та ирэх таван жилд ямар хэмжээний мөнгө хуримтлуулах хүсэлтэй байна вэ. Ирэх 30 жилд өөртөө ямар амлалт өгөх вэ гэдгийг өөрөөсөө асууж хариулт ав. Тэгээд санхүү, мөнгөний талаар тодорхой зорилго тавина.

Жишээ нь, “Би 60 нас хүрч тэтгэвэрт гарах үедээ 50 сая төгрөгийн хадгаламжтай болно”, эсвэл “Гурван жилийн дотор өөрийн унаатай болно” гэх мэт. Насанд хүрсэн ихэнх хүмүүст хүүхдийнхээ цэцэрлэг, сургууль, их дээд сургуулийн төлбөрийн мөнгийг хуримтлуулах, эсвэл их, дээд сургуулийн төлбөрт Төрийн сангаас авсан зээлээ төлөх, машин авах, орон байртай болох зэрэг нь санхүүгийн нийтлэг зорилго болдог. Та хэд хэдэн зорилго зэрэг тавьж ч болно. Эдгээр нь урт, богино хугацааны зорилт байж болно.

Гуравдугаарт, Санхүүгийн төлөвлөгөө зохиох. Төлөвлөгөө нь санхүүгийн зорилгоо хэдийд, хэрхэн, ямар арга замаар хэрэгжүүлэхийг тодорхойлсон баримт юм. Жишээ нь, чухал шаардлагагүй зүйлд мөнгөө үрэхгүй байх, орлогоо нэмэгдүүлэх талаар хэдийд, юуг, хэрхэн хийх, мөнгөн хуримтлалтай болсон үедээ ямар хөрөнгө оруулалт хэзээ, хэрхэн хийх гэх мэтээр төлөвлөгөө зохионо. Уг төлөвлөгөө нь хэрэгжих боломжтой, бодит байдлаараа хүсэл мөрөөдлийн жагсаалтаас ялгагдана.

Дөрөвдүгээрт, Хэрэгжүүлэх, хянах. Санхүүгийн төлөвлөгөөгөө хэрэгжүүлэх эсэх нь хувь хүний сахилга, хариуцлагаас ихээхэн шалтгаална. Өөрөөр хэлбэл, төлөвлөсөн ажлаа хэрэгжүүлэхэд хүчин чармайлт гаргаж, замын дундаас ухарч няцахгүй, тууштай байх чадвар танд зайлшгүй хэрэгтэй. Санхүүгийн төлөвлөгөөний биелэлтдээ хяналт тавьж ажиллах нь бизнесийн үйл ажиллагаа амжилттай хэрэгжихийн үндэс болдог. Ийм учраас бодит судалгаанд тулгуурласан, хэрэгжих боломжтой санхүүгийн төлөвлөгөөтэй байх нь амжилттай хэрэгжих үндэс болно.

Тавдугаарт, Санхүүгийн төлөвлөгөөний биелэлтээ явцын дунд хянах, залруулах. Цаг хугацааны явцад урьдчилж тооцоогүй, танаас хамаарахгүй гэнэтийн явдлууд гарч төлөвлөгөөг өөрчлөхөд хүргэж болох юм. Энэ үед анхны төлөвлөгөөгөө өөрчлөх, залруулах шаардлага гарна. Нэгэнт сайн боловсруулж бичигдсэн санхүүгийн төлөвлөгөөтэй байх нь биелэх магадлал өндөр бөгөөд бичигдээгүй төлөвлөгөө биелдэггүй гэдгийг санах нь зүйтэй.

Эх сурвалж: “Санхүүгийн хөтөч” ном

САНХҮҮГИЙН ШИЙДВЭР ГАРГАХДАА ЮУ АНХААРАХ ВЭ

1. Санхүүгийн шийдвэр гаргахдаа юуг анхаарах ёстой вэ?

a. Орлого зарлагаа тогтмол хяна

b. Бэлэг, дурсгалын зүйлд төлөвлөснөөс ихийг битгий зарлагад

c. Утас байрны төлбөр гэх мэт нэхэмжлэхүүдээ тухай бүр төлж байх, интернет банк гэх мэт онлайн байдлаар шийдэх.

2. Шийдвэр гаргахаас өмнө өөрөөсөө асуух асуулт юу байх вэ?

a. Худалдан авах гэж байгаа зүйлд тань зорилго байна уу

b. Тэр зүйл чинь хэр удаан эдэлгээтэй вэ

c. Энэ зүйл хэр их хэрэглээтэй вэ. Байнга хэрэглэх бил үү

d. Энэ зүйл гэрт байвал замбараагүй байдал үүсгэж, хог болохоор байна уу

e. Манай найз үүнийг худалдан аваарай гэсэн болохоор л би авах гэж байгаа бил үү

f. Заавал өнөөдөр худалдан авах хэрэгтэй байна уу

g. Үүнээс илүү дээр сонголт байж болох бил үү

3. Санхүүгийн шийдвэр гаргалтад хүмүүс юун дээр ихэвчлэн алддаг вэ?

a. Зорилгогүй эсвэл заавал хэрэгцээтэй биш зүйлд зориулан зээл авдаг

b. Үр дагавраа бодож үзэлгүй найз эсвэл гэр бүлийнхэндээ мөнгө зээлэх, зээлж авах

c. Яаралтай хэрэгцээтэй үед хэрэглэх сан, хадгаламж үүсгээгүй байх

d. Хүүхдэдээ багаас санхүүгийн ойлголт, мөнгөний үнэ цэнийг ойлгуулахгүй байх гэх мэт

4. Өрхийн орлогоо нэмэгдүүлэх ямар боломж байдаг вэ?

/Энд ажил хийх боломжгүй гэрийн эзэгтэй ч юм уу, бүтэн цагийн ажил хийх боломжгүй иргэдэд санаа өгөх/

a. Өөрт хэрэгцээгүй зүйлсээ зарах

b. Онлайнаар нийтлэл бичиж зарах

c. Хөрөнгийн зах зээл дээр тоглох

d. Мэддэг зүйлээ бусдад заах

е. Сошиал маркетинг хийх гэх мэт

Эх сурвалж: livingwell-mom


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