AY Honors/Household Budgeting (SAD)/Answer Key/es

Presupuesto familiar

Nivel de destreza

2

Año

2012

Version

28.11.2024

Autoridad de aprobación

División Sudamericana

1

¿Qué es un presupuesto familiar y cuál es la importancia de hacerlo?

2

Hacer una lista de los gastos de su familia y clasificarlas en necesarias, útiles y superfluas.

3

Verificar la lista de compras de comestibles y productos de higiene y limpieza de su familia. ¿Todos los artículos son realmente necesarios?

4

Describir cuál es el mejor día y local para obtener hortalizas, frutas y verduras en su vecindario.

5

¿Qué puede hacer usted y su familia para economizar agua, energía eléctrica y teléfono?

6

¿Qué es la inflación?

7

¿Qué impuestos su familia tiene que pagar?

8

¿Qué clase de compras nunca deberían ser hechas con crédito? ¿Por qué?

9

¿Qué es interés? ¿Cómo debe ser calculado?

10

Investigar cuál es la tasa de interés y responsabilidades financieras en las líneas de crédito de lo siguiente:

10a

Tarjeta de crédito

10b

Sobregiro

10c

Préstamo personal

11

¿Qué medidas deben ser tomadas cuando la familia está endeudada?

Another way to get out of debt is to sell assets off to raise cash. Selling investments, real estate, furniture etc may be the only alternative if you suffer some serious unfortunate circumstances, but eventually you will run out of things to sell so running a budget surplus is a much better plan.

12

¿Qué porcentaje de los ingresos de una familia debe ser ahorrado?

Financial planners suggest 5-10% of household income should be saved. Learn about the idea of "paying yourself first" by putting away your savings first (right after God's portion and taxes) so that it does not get spent.

Long term savings can and should include a raining day fund, education savings (college fund), house down payment and retirement planning.

You might do extra short term saving for future spending like vacation planning, and for other special or large purchases.

13

Investigar por lo menos dos métodos además de la libreta de ahorros para invertir el dinero ahorrado. ¿Cuáles son las ventajas y las desventajas de cada una?

Passbook saving plans usually give very little or no interest or rate of return. If you want to make your savings grow for you, you should look into options like:

Bonds: A loan to a government or company with a fixed repayment schedule and interest. Most bonds can not be redeemed on demand, but they can be sold to someone else. If interest rates go up, the value of a bond can decrease, but if interest rates go down, the value of the bond can rise. Tradable Bonds require a fairly high minimum investment and require specified investment multiples. You can't put a random amount like $353 into a bond.

Term Deposits: A usually fixed term deposit with a bank that pays a better interest rate then a savings account. Term deposits are usually fixed so your money is locked in. If they can be redeemed early, you will likely have to give up all the interest. Term deposits usually have a fairly low minimum amount, but more then many Pathfinders can afford.

Money Market Fund: These investment funds invest in low risk income producing investments like T-bills and short term bonds. They usually allow random amounts of money to be invested and you can put in and take out money whenever you need to. There are management fees, but nominal. Very convenient.

Mutual Funds: Different mutual funds are governed by different investment strategies, from the super safe and boring (like money markets funds) to the "hang on for a roller coaster ride" leveraged emerging market funds. Carefully consider your investment objectives before choosing a fund to invest in. Mutual funds incur commissions and management fees, so be sure you understand these before investing. An advantage of mutual funds is that most will accept a small initial investment with regular small automatic additions over time.

14

Saber hacer lo siguiente:

14a

Llenar y endosar cheques

Writing a check involves correctly filling in the :

• Payee - who the check passes money to
• Date - this could be a date in the future (a post dated check)
• Figure - the

Your info:

Purpose of the check:

10. Writing the purpose here makes sure the receiver knows what it's for, and helps you remember later on what this check was paying for. Also called the reference line. It is optional, but might include an invoice or account number or a short note like "rent for 123 Walnut St for Feb 2016."

Signing the check:

14b

Llenar recibos

The elements of a receipt usually include:

• Who paid the money
• Who received the money
• The purpose of the payment
• The amount paid
• The date paid
• Some sort of receipt number
• Often receipts are made in duplicate so that both parties can keep a copy

14c

Pagar boletos y/o facturas en un cajero automático

Increasingly bills can be paid via ATMs, so go try it. If you don't have a bank card, work with a parent.

14d

Archivar los recibos de pago

14e

Interpretar un extracto de una cuenta corriente o de ahorros

15

Mantener un presupuesto personal y registro de entrada y salida de dinero durante sies meses.

An easy way to track spending is to get a receipt for every amount of money you spend and then categorize the receipts occasionally.

Another way is to write down what you spend in a notebook or on your phone. You might check out personal budgeting apps for your smart phone to assist in this task.

Some find a jar system works well. Income is recorded and placed in labeled jars or envelopes by how it should be spent. When you need to buy food you pull money from the food jar. If you find you need to move money between jars or categories, record that. You might choose to modify the system by keeping a small float of cash in you wallet or purse, then each night top up the float with money from the correct jars based on how you spent part of the float that day (we can usually remember how we spent money that day). This avoids having to carry all your cash around in jars in case you need to spend some money.

16

Montar un presupuesto familiar y mantener un registro preciso de entradas y salidas durante 6 meses (Conquistadores y jóvenes pueden hacer esto en conjunto con los padres); los muchachos y las muchachas que viven en haciendas pueden hacer registros sobre la agricultura, lácteos o ganado.

Your family operates as an economic unit. You can only control what you can measure and understanding how you spend money as a family will help you control spending. The need to write down what you spend will give you a moment to pause and reflect on the need to spend the money, so just the process of tracking spending will usually reduce spending.

17

Leer Malaquías 3:8-12 y escribir un mínimo de 250 palabras sobre lo que significa ser un mayordomo fiel.

Malaquías 3:8-12

Referencias