- 19/04/2019
- Objava: Kristina Miklavcic
- Segment poslovanja Financijsko savjetovanje

Osnove finansijske pismenosti i preporuke za mame. I tate.
Savjetuje: Kristina Miklavčić, direktorica eXtea d.o.o. Sarajevo, finansijska konsultantica za fizička i pravna lica
Izvorni tekst možete pronaći na portalu http://maminedileme.ba
Drage mame,
Često je splet obaveza, organizacije i brige o svim detaljima našeg doma prenaporan. Da, često se i pogubimo u svim tim obavezama praveći naš mali ugodni raj domom, pravim domom gdje smo najopuštenije u ishabanoj najdražoj trenirci i najudobnijoj širokoj pamučnoj majici, žonglirajući između supruga, kuhinje, djece, posla, veša i ostalih obaveza.
No drage žene, majke i kraljice ne zaboravite na stanje novčanika, jednostavno ne zaboravite da se pobrinete i o njemu, jer izvor svih problema na svijetu potiče od viška ili manjka novčanih sredstava kojima se ne zna upravljati.
Stoga s Vama rado dijelim sljedeće savjete i misli u okviru edukativne emisije i portala ‘Mamine dileme’:
1. ”Nije sreća para puna vreća, znaju to oni što je imaju” – TAČNO
Ali je isto tako tačno da novčana sigurnost daje životni balans i mir na svim poljima, pa onda možete i imate vremena poraditi i počistiti životne i poslovne stvari koje ne štimaju.
2. Uvijek uredno vodite svoje finansije – TAČNO
Ne smije Vam se nikada desiti da ne znate na šta ste potrošile 50 KM ili 100 KM, niti bilo koji drugi manji ili veći iznos. Sve račune uvijek uzmite (što je svakako i Vaša zakonska dužnost) i čuvajte ih do momenta kada ćete jednom sedmično ili jednom u deset dana pisati i sravnjivati kućni budžet.
3. Trebam li voditi kućni budžet i šta je to zapravo ? – DA TREBATE OBAVEZNO
Da trebate voditi obavezno kućni budžet, minimalno jednom u sedam ili optimalno jednom u deset dana, na osnovu svih računa koje ste sačuvali iz redovne kupovine i aktivnosti iz tačke broj. 2. Kućni budžet se otvara početkom mjeseca i zatvara na zadnji dan tekućeg mjeseca i tako iz mjeseca u mjesec.
Vođenje kućnog budžeta je nužno, a u praksi ga primjenjuju visoko obrazovani i samosvjesni ljudi koji su finansijski pismeni, žele i znaju na šta im odlaze novčana sredstva i prave plan za efikasniju potrošnju i štednju kako danas tako i za buduće vrijeme.
Najefikasniji način vođenja kućnog budžeta jesu redoslijedom kako je nabrojano;
– Excel tabela
– Teka za matematiku na kockice
– Budžet mobilne aplikacije (često nisu baš jednostavne za korištenje i isključivo su na engleskom jeziku, uz par izuzetaka)
– Set namjenskih kuverata s natpisima stavki budžeta
4. Kako raspoređivati kućni budžet i šta s konstatacijom – moj novac, tvoj novac ?
Svi članovi jednog domaćinstva kao porodica trebalo bi da dijele sve dobro i loše pod zajedničkim krovom, uključujući stvari i navike koje se podrazumijevaju poput; ručka, večere, zajedničkih obaveza, porodičnih okupljanja, druženja i sl. no isto se podrazumijeva i za novčane primitke i izdatke.
Kućni budžet se raspoređuje svaki mjesec iznova za realne i elementarne potrebe koje su nam krucijalne za normalno odvijanje svih životnih funkcija jedne zdrave i balansirane porodice.
Raspoređuje se upravo po mjesečnim tabelama budžeta iz tačke broj 3. na segmente:
– Prehrana
– Neprehrana (higijena i sl.)
– Režijski troškovi
– Troškovi djece kao članova domaćinstva (vrtić, produženi boravak, treninzi, obuća i sl.)
– Kreditne obaveze tj. rata kredita, ukoliko smo kreditno eksponirani
– Gorivo
– Vanredna stavka budžeta (ne planirana potrošnja)
– Putovanje, ekskurzije, izleti, more, skijanje i sl. (ako smo isto planirali za dati mjesec)
– Sitne ili krupnije kućne potrepštine
– Vjenčanja, rođendani, zabave, praznici i sl.
– Ušteđevina
– Džeparac članova domaćinstva
– Razno
U zdravim porodičnim okruženjima, gdje bračni partneri nisu ‘cimeri’ već ravnopravni (kako treba i da bude) životni partneri, nema mjesta za konstatacije tipa: moj novac – tvoj novac, ovo sam ja zaradio/la, mogu li posuditi od tebe novčana sredstva i sl.
U 90 % slučajeva i istraživanja, bračni partneri koji ulaze u koliziju oko novčanih sredstava i njihove raspodjele, njihov brak na žalost završava razvodom prije ili kasnije. Stoga riječima poput moje/tvoje pod zajedničkim krovom i istim budžetom nema mjesta ako želite dugoročnu harmoniju, povjerenje, zajedništvo i stabilnost te transparentnost odnosa u svakom pogledu.
5. Krediti i kreditne kartice, kako upravljati tim proizvodima i trebaju li nam ?
Bez kredita većina građana nije u stanju osigurati sebi elementarne životne stvari, stoga se trebate kreditno eksponirati samo i doslovno za to tj. za kupovinu nekretnine ili bilo kojih drugih potreba koje su Vam krucijalne ili koje vam poslije u životu mogu donijeti pasivne prihode.
U kreditne aranžmane se ne trebate upuštati ni pod razno za putovanja, razne proslave, odjeću i sl.
Kreditne kartice su moderno zlo kapitalističkog doba, isto tako Vam realno ne trebaju jer uz adekvatnu finansijsku disciplinu, Vi sami sebi možete uštedjeti novce, nakon par mjeseci i trošiti te svoje novce kao da su s kreditne kartice ali bez kamata i opet ih vračati, pa trošiti i sl.
Kamatne stope na kreditne kartice su jako visoke od 10 % pa na dalje, a to Vas tjera da često kupujete stvari i koje Vam ne trebaju, da bi možda zadivili ljude koje ne volite od novca koji realno nemate. Razmislite dobro treba li Vam to u životu ?
Finansijska nepismenost je velika, a to upravo najviše i odgovara finansijskim institucijama jer je lakše manipulisati ljudima s neznanjem. Stoga nemojte biti dio te populacije, edukujte se i ne koristite novac koji Vam ne treba i za koji nemate izvora da ga vratite tj. vratite posuđenu glavnicu s kamatom.
6. Kako preživjeti od 01. do narednog 01. u mjesecu s minimalnim primanjima ?
Tako su nekada živjeli i naši roditelji i naši pradjedovi bar u većini slučajeva. Ako su mogli oni, možete i Vi samo se često pitamo čemu sve to u 21. vijeku pa mi zaslužujemo bolje od onoga što imamo trenutno. Ne možemo se uvijek referencirati na stvari i događaje iz daleke prošlosti i sl., stoga finansijska sredstva kolika god da su treba pravilno rasporediti na svaki dan i ne trošiti više nego što se raspolaže novcem u datom trenutku.
Također je jako bitno da se porodica ne zadužuje ni na kratak ni na dug rok za stvari i potrebe koje im u toj fazi života nisu nužne ili elementarne.
7. U šta je najbolje ulagati višak ostvarenih novčanih sredstava ?
Ako imate višak ostvarenih novčanih sredstava, najbolje je iste ulagati u pasivne prihode tj. kupovinu nekretnina koje se odmah mogu izdavati, zatim ulaganje u životnu ušteđevinu kroz vidove životnog dugoročnog osiguranja. Kroz životno osiguranje postižu se veće kamatne stope na dugi rok u odnosu na ušteđevinu u bankama gdje su kamatne stope izrazito niske.
U EU banke često imaju i negativne kamatne stope na ušteđevinu jer imaju višak deponovanog novca i ne treba im dodatni, pa tako negativnim kamatnim stopama tjeraju građane da ne drže novčana sredstva kod njih.
8. Koji su glavni stereotipi o novcu i o ljudima koji ga imaju ?
Neki od glavnih ali izrazito netačnih stereotipa su:
– Bogati ljudi su na nezakonit način zaradili svoj novac, tako vjeruje srednja klasa.
– Novac je uzrok svog zla u svijetu.
– Put u uspjeh i bogatstvo je popločan formalnim znanjem i sl.
– Vjerovanje da Vam stalni posao daje sigurnost-bogati ljudi znaju da to apsolutno nije tačno.
– Učite svoju djecu da budu sretni s onim što imaju-obrazovani ljudi ne rade tako, nego učite svoju djecu da slijede svoje snove i gledaju u budućnost.
9. Šta kad ne znate upravljati novcem i toga ste svjesni ?
Najveća i najteža borba je uvijek borba čovjeka samog sa sobom. Teško je spoznati sebe i spoznati da nešto ne radite kao treba ili da ne znate. Baš poput Sokrata ”Jedina prava mudrost je u saznanju da ništa ne znate”. Stoga kad saznate da ništa ne znate, a pogotovo da ne znate o novcu, od kojeg direktno zavisite i Vi i Vaša porodica, povucite se iz ključnih odluka i ustupite ih drugim članovima porodice. Time ćete napraviti i veliku uslugu sebi i porodici.
Svako treba da radi ono što najbolje zna ali mora biti svjestan i činjenice šta ne zna. Nema ništa opasnije na svijetu nego dati novac ljudima koji ne znaju njime upravljati, ko ne zna upravljati vlastitim novcem, neće znati ni tuđim.
10. Samohrani roditelji i novčani problemi
Danas u BiH je poseban izazov preživjeti 30 dana i s dvije plate, a da ne govorimo o jednoj plati i ako je u pitanju samo jedan roditelj koji brine o djeci, bilo da se radi o majci ili o ocu. Za te roditelje posebno važi pravilo finansijske discipline, čega su oni sami i svjesni pa su često daleko discipliniraniji od recimo potpune porodice u čijem sastavu su oba roditelja.
Za samohrane roditelje je jako bitno pravilno raspoređivati novčana sredstva i ostaviti dio sredstava za vanredne okolnosti ili imati bilo – kavu ušteđevinu, obzirom da se često nemaju na koga osloniti osim sami na sebe. Jednostavno nema plan B na žalost, često nema drugog bračnog partnera da ‘uskoči’ kao pomoć u obavezama ili sa finansijskom injekcijom.
Stoga topla preporuka svima koji spadaju u ovaj segment roditeljstva jeste da strogo vode kućni budžet i paze na sva finansijska sredstva. U slučaju da se trebate zadužiti, nemojte to raditi kod ovlaštenih finansijskih institucija, zadužujte se za realne potrebe kod osoba iz kruga poznanstava, kako bi imali manji stres i pritisak ali podjednako obavezu da dug redovno otplaćujete.
11. Šta su to pasivni i aktivni novčani prihodi i kako doći do njih, šta učiniti ?
Prihodi se u ekonomiji i finansijama, bilo da pričamo o elementarnom ili naprednom poznavanju uvijek dijele na aktivne i pasivne.
– Aktivni prihodi su oni prihodi za koje se uvijek kontinuirano trudimo tj. radimo i za koje na kraju dobijemo nagradu u vidu redovnih ličnih primanja. U aktivne prihode spada Vaša redovna plata koju dobijete svaki mjesec u relativno isto vrijeme, ali ako ne radite duži period ili ste bolesni taj prihod će da se smanji ili čak i da se skroz eliminira. Aktivnog prihoda ima sve dok ste i vi aktivni, čim Vaša aktivnost opadne iz bilo kojeg razloga, proporcionalno s tim opada i prihod.
– Pasivni prihod su oni prihodi koji nam kontinuirano dolaze u manjim ili većim finansijskim iznosima a da mi sami za njih kontinuirano ne radimo skoro ništa. Primjer pasivnih prihoda su:
• Iznajmjivanje vlastite pokretne ili nepokretne imovine
• Dobijanje finansijskih iznosa na osnovu raznih licenci i iznajmljivanja prava o autorskim djelima i sl.
• Kontinuirani finansijski iznosi za usluge održavanja određenih programskih rješenja gdje ima vrlo malo aktivnosti i sl.
• Prihodi od raznih provizija i sl.
Bogati ljudi i oni finansijski pismeni uvijek se trude generisati što više pasivnih prihoda u odnosu na aktivne, kupuju se nekretnine za višak finansijskih sredstava i onda zarađuje na njima ostvarujući čisti profit.
Stoga ako imate višak finansijskih sredstava i želite ih uložiti, uložite pametno tako da generišete pasivne prihode tj. uz minimalna ulaganja dobijete maksimalni rezultat.
Za kraj, ne zaboravite:
- Srednja klasa pamti, dobre stare dane a bogati gledaju u budućnost, stoga budimo dio onih koji gledaju u svjetliju budućnost za nas i našu porodicu.
- Štedite 10 % svojih prihoda, a živite od ostalih 90 %.
- Kreirajte višestruke izvore aktivnih i pasivnih prihoda.
- Dijelite ideje s ljudima koji razmišljaju isto ili slično kao Vi.
- Definicija ludila je raditi uporno i konstantno jedne te iste stvari a očekivati promjenu na bolje.
- Da ti to možeš, ako jednostavno nešto želiš da uradiš, to i uradi !
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