AY Honors/Household Budgeting/Answer Key/es

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1

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



2

Definir los siguientes términos:



3

Explicar la diferencia entre necesidades y deseos. Hacer una lista de los gastos de su familia y clasificarlos como necesidades o deseos.



4

¿Qué pueden hacer usted y su familia para ahorrar en los servicios públicos? ¿Cómo varía alguno de estos gastos durante las diferentes estaciones del año en su hogar?



5

¿Cómo puede afectar la inflación al presupuesto familiar?



6

¿Qué métodos usa su familia para pagar las cuentas? ¿Qué otros métodos podrían usarse?


A general increase in prices and fall in the purchasing value of money. Since the cost of living goes up over time, you need to increase your income over time as well.


7

¿Qué tipos de impuestos existen en su área (municipales, estatales/provinciales, federales, ingresos, propiedad, ventas, nóminas, etc.)? ¿Para qué se utilizan normalmente los impuestos en su región?



8

Explicar la diferencia entre deuda buena y deuda mala.


Generally no shopping should be done with credit. You should not be spending tomorrows income today because you don't know for sure if you have income coming tomorrow.


9

¿Qué es el interés? ¿Cómo se calcula? Calcular cuánto costaría realmente financiar un préstamo de $5000 con una tasa de interés del 7% durante 5 años.



10

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


Looking into these interest rates is an excellent free activity for Pathfinders that will teach them about money management. Don't just check yourself and feed them the answer, get them to seek out the information themselves.


10a

Tarjeta de crédito



10b

Sobregiro



10c

Préstamo estudiantil




11

¿Qué medidas pueden tomarse cuando la familia está endeudada?



12

Considerar Proverbios 6:6-8 y discutir el valor de tener un fondo para emergencias. ¿Cuántos meses de ingresos deberían ahorrarse generalmente para las emergencias?



13

Leer Mateo 25:14-30 y discutir el valor de invertir dinero. Identificar por lo menos dos métodos para invertir dinero. ¿Cuáles son las ventajas y desventajas de cada uno?



14

¿Cuáles son algunas de las ventajas y desventajas de usar pagos automáticos?



14a


Your info:


14b



14c




15

Simular lo siguiente (o equivalentes):


This exercise will really teach how to control spending, for it puts all spending down in black and white (and perhaps red!). This and the following requirement are why earning this honor requires a long term commitment for the Pathfinder.

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

Entrevistar a un profesional financiero o equivalente acerca de los presupuestos personales.


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

Elaborar un presupuesto familiar (puede hacerse junto con los padres). Llevar un presupuesto personal y registrar los ingresos y gastos durante dos meses.


Malachi 3:8-12

Do Not Rob God 8 “Will a man rob God? Yet you have robbed Me! But you say, ‘In what way have we robbed You?’ In tithes and offerings. 9 You are cursed with a curse, For you have robbed Me, Even this whole nation. 10 Bring all the tithes into the storehouse, That there may be food in My house, And try Me now in this,” Says the Lord of hosts, “If I will not open for you the windows of heaven And pour out for you such blessing That there will not be room enough to receive it. 11 “And I will rebuke the devourer for your sakes, So that he will not destroy the fruit of your ground, Nor shall the vine fail to bear fruit for you in the field,” Says the Lord of hosts; 12 “And all nations will call you blessed, For you will be a delightful land,” Says the Lord of hosts.



References