{"id":795,"date":"2010-09-01T12:05:16","date_gmt":"2010-09-01T10:05:16","guid":{"rendered":"http:\/\/www.haztartas-ma.hu\/?p=795"},"modified":"2017-10-21T19:41:52","modified_gmt":"2017-10-21T17:41:52","slug":"gazdalkodas-a-penzzel","status":"publish","type":"post","link":"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penzkezeles\/csaladi-koltsegvetes\/gazdalkodas-a-penzzel\/","title":{"rendered":"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel"},"content":{"rendered":"<p style=\"text-align: justify;\">Gazd\u00e1lkod\u00e1s\u00a0a p\u00e9nzzel: ott kezd\u0151dik, hogy\u00a0feljegyzed a bev\u00e9teleidet \u00e9s kiad\u00e1saidat. Mindegy, hova: kock\u00e1s f\u00fczetbe vagy Excel t\u00e1bl\u00e1ba, csak vezesd.<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><!--more--><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-18054\" src=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2011\/02\/penzkezeles-300x225.jpg\" alt=\"P\u00e9nzkezel\u00e9s\" width=\"300\" height=\"225\" srcset=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2011\/02\/penzkezeles-300x225.jpg 300w, https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2011\/02\/penzkezeles.jpg 640w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Ha a k\u00f6zelm\u00faltban egyszer-k\u00e9tszer siker\u00fclt ezt megtenned, elk\u00e9sz\u00edtheted az \u00f6sszes\u00edt\u00e9st. Fontos: a kiad\u00e1sokat k\u00e9t nagy csoportra oszd: \u00e1lland\u00f3 \u00e9s v\u00e1ltoz\u00f3 kiad\u00e1sokra. Ez a sz\u00e1m\u00edt\u00e1st is egyszer\u0171s\u00edti, hiszen az \u00e1lland\u00f3 kiad\u00e1sok csak\u00a0akkor v\u00e1ltoznak, ha valamelyik szolg\u00e1ltat\u00f3n\u00e1l \u00e1remel\u00e9s van. Ez\u00e9rt ezeket el\u00e9g ritk\u00e1n kell m\u00f3dos\u00edtani.<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\">A bev\u00e9telek \u00e9s kiad\u00e1sok fajt\u00e1i az egyes h\u00e1ztart\u00e1sokban elt\u00e9r\u0151ek lesznek, teh\u00e1t illeszd a saj\u00e1tod\u00e9hoz. Az \u00f6sszes\u00edt\u00e9s form\u00e1j\u00e1t is szabadon v\u00e1ltoztathatod. A l\u00e9nyeg, hogy minden t\u00e9tel szerepeljen benne. Seg\u00edts\u00e9g\u00fcl \u00edrtam neked egy list\u00e1t, amelyet alak\u00edts tetsz\u00e9sed szerint:\u00a0<\/span><\/p>\n<h3>Bev\u00e9telek \u00f6sszes\u00edt\u00e9se<\/h3>\n<ul>\n<li>munkaj\u00f6vedelmek<\/li>\n<li>Kieg\u00e9sz\u00edt\u0151 j\u00f6vedelmek<\/li>\n<li>Egy\u00e9b bev\u00e9telek<\/li>\n<\/ul>\n<p><span style=\"font-family: verdana,geneva;\">Bev\u00e9telek \u00f6sszesen:<\/span><\/p>\n<h3>Kiad\u00e1sok \u00f6sszes\u00edt\u00e9se<\/h3>\n<p><strong>\u00c1lland\u00f3 kiad\u00e1sok:<\/strong><\/p>\n<ul>\n<li><span style=\"font-family: verdana,geneva;\">Jelz\u00e1log hitel t\u00f6rleszt\u00e9s <\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Szem\u00e9lyi hitel (h\u00e1ztart\u00e1si g\u00e9p, g\u00e9pkocsi, stb.) t\u00f6rleszt\u00e9s<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">K\u00f6z\u00fczemi d\u00edjak (elektromos \u00e1ram, g\u00e1z, v\u00edz)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Kommunik\u00e1ci\u00f3s d\u00edjak (telefonok, TV)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Biztos\u00edt\u00e1sok (lak\u00e1s, g\u00e9pkocsi, \u00e9letbiztos\u00edt\u00e1sok)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Rendszeres megtakar\u00edt\u00e1sok (r\u00f6vid-, k\u00f6z\u00e9p- \u00e9s hossz\u00fa t\u00e1v\u00fa)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Egy\u00e9b \u00e1lland\u00f3 kiad\u00e1sok <\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: verdana,geneva;\">\u00a0\u00a0\u00a0\u00a0 \u00c1lland\u00f3 kiad\u00e1sok \u00f6sszesen:<\/span><\/p>\n<p><strong><span style=\"font-family: verdana, geneva;\">V\u00e1ltoz\u00f3 kiad\u00e1sok: <\/span><\/strong><\/p>\n<ul>\n<li><span style=\"font-family: verdana,geneva;\">\u00c9lelmiszer (otthoni \u00e9s h\u00e1zon k\u00edv\u00fcli \u00e9tkez\u00e9s)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Tiszt\u00e1lkod\u00f3- tiszt\u00edt\u00f3-\u00a0mos\u00f3- \u00e9s mosogat\u00f3szerek)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Ruh\u00e1zkod\u00e1s<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Eg\u00e9szs\u00e9g\u00fcgyi kiad\u00e1sok (orvos, gy\u00f3gyszer)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Fodr\u00e1sz, kozmetikus, manik\u0171r, stb. <\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Zsebp\u00e9nzek<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">G\u00e9pkocsi (\u00fczemanyag, szerviz)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">T\u00f6megk\u00f6zleked\u00e9s (b\u00e9rletek)<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Tanfolyami, k\u00fcl\u00f6n\u00f3rai d\u00edjak<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Sz\u00f3rakoz\u00e1s, kult\u00fara<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Sport <\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Hobbik<\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Aj\u00e1nd\u00e9kok <\/span><\/li>\n<li><span style=\"font-family: verdana,geneva;\">Egy\u00e9b v\u00e1ltoz\u00f3 kiad\u00e1sok<\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: verdana,geneva;\">V\u00e1ltoz\u00f3 kiad\u00e1sok \u00f6sszesen:<\/span><\/p>\n<h3>Ellen\u0151rz\u00e9s<\/h3>\n<p><span style=\"font-family: verdana,geneva;\">Egyszer\u0171 \u00f6sszef\u00fcgg\u00e9ssel <span style=\"color: #000000;\">ellen\u0151rizheted<\/span>, hogy j\u00f3l vezetted-e a nyilv\u00e1ntart\u00e1st.\u00a0Ha j\u00f3l sz\u00e1molt\u00e1l<\/span><\/p>\n<p><span style=\"font-family: verdana,geneva;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><span style=\"font-family: verdana,geneva;\">\u00a0<\/span><strong><span style=\"font-family: verdana,geneva;\">Bev\u00e9telek &#8211; ( \u00c1lland\u00f3 kiad\u00e1sok + V\u00e1ltoz\u00f3 kiad\u00e1sok ) = Marad\u00e9k p\u00e9nz <\/span><\/strong><\/p>\n<p><span style=\"font-family: verdana,geneva;\">A sz\u00e1m\u00edtott \u00f6sszegnek egyeznie kell a kassz\u00e1ban maradt p\u00e9nzzel. (Hogy siker\u00fclt?)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-801\" src=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2010\/09\/gazdalkodas-a-penzzel-300x225.jpg\" alt=\"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel\" width=\"300\" height=\"225\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3>Az adatok elemz\u00e9se<\/h3>\n<p><span style=\"font-family: verdana,geneva;\">Amikor k\u00e9szen vagy a csoportos\u00edt\u00e1ssal \u00e9s az \u00f6sszead\u00e1sokkal, vil\u00e1gosan l\u00e1tni fogod: mire mennyi p\u00e9nzt k\u00f6lt\u00f6tt\u00e9l az adott h\u00f3napban. Ha\u00a0egyes \u00f6sszegekkel\u00a0nem vagy megel\u00e9gedve, n\u00e9zd v\u00e9gig a t\u00e9teleket \u00e9s meg fogod l\u00e1tni, &#8222;hol szaladt el a l\u00f3&#8221;. A k\u00f6vetkez\u0151 h\u00f3napban figyelni fogsz ezekre a t\u00e9telekre \u00e9s\u00a0lesz olyan dolog, amit nem v\u00e1s\u00e1rolsz meg.\u00a0<\/span><\/p>\n<p>Ezt a m\u00f3dszert h\u00f3napr\u00f3l h\u00f3napra elv\u00e9gezve finom\u00edtani lehet a kiad\u00e1sokat. A sz\u00e1m\u00edt\u00e1sokban is gyakorlatot szerzel \u00e9s sokkal jobban megy majd.<\/p>\n<p>&nbsp;<\/p>\n<p>Kapcsol\u00f3d\u00f3 cikk:<\/p>\n<p><a title=\"H\u00e1ztart\u00e1si napl\u00f3\" href=\"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/hogyan-takarekoskodj\/\" target=\"_blank\" rel=\"noopener\">H\u00e1ztart\u00e1si napl\u00f3<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Gazd\u00e1lkod\u00e1s a p\u00e9nzzel k\u00e9p: Google k\u00e9pt\u00e1r<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gazd\u00e1lkod\u00e1s\u00a0a p\u00e9nzzel: ott kezd\u0151dik, hogy\u00a0feljegyzed a bev\u00e9teleidet \u00e9s kiad\u00e1saidat. Mindegy, hova: kock\u00e1s f\u00fczetbe vagy Excel t\u00e1bl\u00e1ba, csak vezesd.<\/p>\n","protected":false},"author":171,"featured_media":8580,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","_wp_rev_ctl_limit":""},"categories":[503],"tags":[],"class_list":["post-795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-csaladi-koltsegvetes","et-has-post-format-content","et_post_format-et-post-format-standard"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gazd\u00e1lkod\u00e1s a p\u00e9nzzel a h\u00e1ztart\u00e1sban - a h\u00f3 v\u00e9gi teend\u0151k<\/title>\n<meta name=\"description\" content=\"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel - nem bonyolult dolog. A h\u00f3nap v\u00e9g\u00e9n kisz\u00e1m\u00edtod, hogy milyen fajta kiad\u00e1sokra mennyit k\u00f6lt\u00f6tt\u00e9l \u00e9s ahol j\u00f3nak l\u00e1tod, v\u00e1ltoztatsz.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penzkezeles\/csaladi-koltsegvetes\/gazdalkodas-a-penzzel\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel a h\u00e1ztart\u00e1sban - a h\u00f3 v\u00e9gi teend\u0151k\" \/>\n<meta property=\"og:description\" content=\"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel - nem bonyolult dolog. 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