Introduction
We know that man's life is full of constant changes, such as his physical growth, his academic development, his social development and, one of the concepts that most of them are hardly given importance for is his economic development, of course. This depends on the customs and cultures of each country or place of origin, the economic development of the individual is of the utmost importance since it represents the main base family stability of society. Usually there are a few privileged people who are used to making personal savings at an early age, as their family financial situation allows them.
The vast majority begin to realize their savings at different ages, usually when they formalize a home with their partner. We know that this concept is one of the important changes that man should get used to taking care of his pockets since nothing is free in this life. Therefore, family savings are of the utmost importance to make this customary for all men regardless of country, religion and customs.
We emphasize that family heritage is one of the foundations of a good society. We could define as the assets that the members of a family already own and that they use to satisfy their needs in their daily lives. This is only possible if you get used to doing family financial projects. But unfortunately, this custom is almost non-existent. Most families are used to overconsumption, without measuring the consequences on their pockets. Let us know some of the causes why man abudes over consumption and consequently he has to spend more money and generate the lack of control of his savings.
The importance of saving is of utmost importance as it allows for a more pleasant future for family life. There are concepts in which the consumption of certain items is necessary but should be done with reasonable measure and as necessary as possible. The concepts where more expenses are made is in; fuels, life insurance, auto insurance, home insurance, electricity consumption, phone payments, unnecessary trips or walks to name a few.
Causing a mismatch in family expenses. There are certain dates or times where you could take advantage of saving a little without penalizing family expenses since it occurs on very good dates and only once each year, such as profit sharing and Christmas bonuses.
Sadly, this resource obtained as a recognition of the efforts of the workers, it is very common that this resource is misused, causing that at each beginning of the year it is more traditional to mention the January slope. Time in which the activities of the pledge loan houses and agiotistas start with more intensity, taking advantage of the economic needs of the people. Measuring and projecting family finances is very difficult since, by tradition and usually, people are worried about getting a job in order to receive a salary that satisfies family expenses without having a project of expenses.
Abstract
We know that man's life is full of constant changes, as for example their physical growth, their academic development, social development, and one of the concepts which most hardly provides you important is its economic development, it is clear that this depends on the Customs and cultures of each country or place of origin, the economic development of the individual is of utmost importance since it represents the family stability main basis of society. Usually are a few the privileged ones used to carry out personal savings at an early age, thus allows you to family economic situation.
The vast majority are beginning to make their savings at different ages usually when they formalize a home with his partner. We know that this is one of the important changes concept that man should get used to caring for their pockets since nothing is free in this life. So it is very important household savings make this custom for all men regardless of country religion and customs. Family heritage would stress that it is one of the foundations of a good society. We could define as assets already held by the members of a family and that used to be able to satisfy their needs of their daily lives.
This is only possible if you really used to carry out projects financial family. Unfortunately this custom is almost null most of the families are accustomed to envelope consumption, without measuring the consequences in their pockets. We know some of the causes by which man abuza envelope consumption and consequently that has to spend more money and generate the lack of control of their savings. The importance of saving is very important since it allows to have a more enjoyable future for family life. There are concepts in which the consumption of certain articles is necessary but it should take reasonable measure and you may need.
Concepts in where there are more expenses is in; fuels, life, auto, insurance of housing insurance, insurance consumption electricity payment phones, trips or trips unnecessary to name a few. Causing a mismatch in the family expenses. There are certain dates or times where could be used save a little while, be punished family expenses since it has very good dates and at one time each year, such as the distributions of profits and the bonuses.
Sadly this resource as a recognition of the efforts of the workers, is very common to this resource is provided a misuse, causing at the beginning of each year to be more traditional mentioning the slope of January. Time that begin with more intensity houses secured loans and jobber activities taking advantage of the economic needs of the people. Measure and plan the family's finances is difficult since, by tradition and usually it lives worried about getting a job for a salary in return that meets the family expenses without having a project's costs.
Development
Man's financial success is not in the remuneration he gets for rendering his services to an entity, but rather; the form and manner in which this resource is applied to where it is intended. Personal or family saving is very important for daily life since the economic future and the liquidity of man will depend on it. It is difficult to carry out this activity since it is very common to design financial projects for an organization, but it has been observed that only large investors are careful to handle this concept.
It is important to know how to give the correct rotation of our personal assets, so as not to cause what is already commonly traditional personal debt. Since this generates an additional and very high cost, sometimes there are large capital losses, but on many occasions, as is traditional, in many cases the consequences are not considered, but rather the need to obtain a resource to momentarily satisfy a need.
One of the complications known worldwide and that in many cases is due to lack of financial education is credit through electronic cards. Managing card payments and household finances can be a hassle if you are not an organized person. It's hard to keep track of all due dates, payments, addresses, and account numbers. Sometimes we have to pay late fees that could have been avoided if we had kept better records and organized a simple routine for your payments. This is just one example of many that exists of personal resource leaks.
Controlling household finances is difficult because it is not given the importance according to its magnitude in family life. Budgeting for household expenses is so simple and easy to understand how to manage and manage our own money. Effective money management begins with goals that you must set. This personal and family financial goal should be considered as a company managing the concepts of medium and long term. The importance of money in our current way of life is very important to give a lot of attention to how it should be managed.
Since the times and technological advancement are constant in today's world. Originating that it is very important to have disciplines in our expenses of the resources that we obtain for our daily work. We must understand that finance is the art and science of managing our money. So it is very important to create a financial education or, more correctly, a family strategic finance projection, similar to that of a company.
conclusion
Financial education in our daily lives, as already said, should be like that of a company. Spend what is necessary to achieve satisfaction, an objective, a profit with the least possible resource.
That our income is reflected in positive financial results, in the growth and well-being of the family. This issue is so important and necessary that nowadays there are personal financial advisers or administrators that, in many cases, it is seen in the figure of an insurance agent or a bank executive, however there are advisers dedicated especially to this activity.
That is why it is important to emphasize that in our active life in society it is necessary to know how to budget for our purchases and daily savings, taking into account our income, expenses and activities to have control of it.
It is important to know the tools that will make our savings become an efficient investment, for which we must be attentive to what the financial market offers in this matter, seeking the least risk with the highest possible utility.
Knowing how to properly account for our income and expenses, that in each investment that is made means a growth in our family finances, maximizing our personal fund will give greater security to the family assets.
Sadly, we must emphasize that these issues are only for a minority of society since a large part of the world population only manages to reach a very low level of school education.
