8 getting spending.pdf

8/10/2019 8 Getting Spending.pdf

http://slidepdf.com/reader/full/8-getting-spendingpdf 1/29

Anttdoa

fok]pnokdoa



Acvnrodoa

• [ln Efbfomn tc en ]trumh• Fbbcmftdoa `cony tc hnnp tln mcfbdtdco lfppy

•eut oct tcc lfppy!

•Yrcvdkn gust nocual tc hnnp tln dotnrmlfoanfebns jrc` rdsdoa updo rnvcbt

•Lfppy pncpbn kco—t rnvcbt ‛ oc rnfsco tc

•Enonvcbnot kdmtftcrs frn rfrn

•Yncpbn do fegnmt pcvnrty kco—t rnvcbt ‛ oc wdbb, oc `nfos

•Dt—s fbb tlcsn pbfmns wlnrn tln dotnrmlfoanfebns frn sc`nwlnrn

do entwnno tlft bnfknrs lfvn tc en nxtrf mfrnjub



Kn`cmrfmy

• Fs tln sdzn cj tln wdoodoa mcfbdtdco domrnfsns, puebdmaccks enmc`n tln njjdmdnot `nfos tc ‒pfy cjj ‐ dts`n`enrs

•oco-nxmbukfebn

•oco-rdvfbrcus

•cjtno sujjnr onaftdvn nxtnrofbdtdns

•uoknr-prckumnk

•cvnrusnk•knarfknk

• Kn`cmrfts mf`pfdao ey cjjnrdoa kdjjnrnot efshnts cjpuebdm accks fok kdjjnrnot `nfos cj prckumdoa tln`

(dkncbcay)



Kn`cmrfmy & Qnfbtl

• Kcns knvnbcp`not bnfk tc kn`cmrfmy3

• CU

• Kcns kn`cmrfmy bnfk tc knvnbcp`not



]nbnmtcrftn [lncry

•Bnfknrs wfot tc survdvn.

•]urvdvfb notfdbs hnnpdoa tln nssnotdfbs bcyfb fokdotnrmlfoanfebn qudnsmnot

•rnafrkbnss cj rnad`n typn

•Do kn`cmrfmdns tlds gust sc lfppnos tc dovcbvnbcchdoa cut jcr tln wnbjfrn cj f vfst `fgcrdty cjtln pncpbn (oco-nxmbukfebn)



•Arcwtl kcns oct aufrfotnn pcbdtdmfb d`prcvn`not,eut ondtlnr kcns dt prnmbukn dt.

• Futcmrfts cjtno fraun tlft pcbdtdmfb bdenrfbdzftdco dsf buxury tlft lfs tc en snt fsdkn uotdb wnfbtl dscetfdonk.

•Knpnoknomn co f bfran mcfbdtdco cj nssnotdfbs ds fpcwnrjub nxpbfoftdco jcr tln qufbdty cj bdjn.



Mcrrnbftdco

• Tcu kco't hocw foytldoa fecut pcbdtdms do f advno

mcuotry eut tlny fsh ycu wlntlnr dt ds f kn`cmrfmycr f kdmtftcrsldp.

•Bcch ft dts pnr mfpdtf domc`n. Tcu mfo `fhn fprntty acck aunss.



[ln Kftf



\ T, T \, W T W \

• Qn `dalt lypctlnsdzn tlft kdmtftcrsldps frn ̀ crn mcokumdvn tcnmcoc`dm arcwtl3• Fjtnr fbb, ycu mfo d`pbn`not tln pcbdmdns ycu wfot wdtlcut wcrrydoa tcc `uml fecutkdssnot.

• Fbtnroftdvnby, wn mfo fraun tlft kn`cmrfmdns frn `crn mcokumdvn tcnmcoc`dm arcwtl.

•Bnfknrs do kn`cmrfmdns frn fmmcuotfebn tc tln mcostdtunomy, tlny lfvn tc `fhn enttnrknmdsdcos fecut fbbcmftdoa rnscurmns.

•Yrznwcrshd nt fb. kdsfarnn wdtl ectl frau`nots. [lnrn ds oc nvdknomn tcslcw tlft kn`cmrfmdns fok kdmtftcrsldps kdjjnr do tnr`s cj nmcoc`dmarcwtl.

•Lcwnvnr, tlny slcw tlft pcbdtdmfb dostfedbdty lfs `crn onaftdvn d`pfmtco nmcoc`dm pnrjcr`fomn do kdmtftcrsldps tlfo do kn`cmrfmdns.



\ T, T \, W T W \

•Yrznwcrshd nt fb. mcombukn tlft tlnrn ds oc nvdknomn

tc slcw tlft kn`cmrfmdns fok kdmtftcrsldps kdjjnrdo tnr`s cj nmcoc`dm arcwtl.

•Lcwnvnr, tlny slcw tlft pcbdtdmfb dostfedbdty lfs`crn onaftdvn d`pfmt co nmcoc`dm pnrjcr`fomndo kdmtftcrsldps tlfo do kn`cmrfmdns.



Ocrtl Hcrnf lfs 6;-ynfr, mc`prnlnosdvn uodvnrsdty



Efdbcuts fok Mcfbdtdco ]dzn



Efdbcuts fok Mcfbdtdco ]dzn

•Efdbcuts frn cjtno f sdao tlft bnfknrs smrnwnk up.

•Do s`fbb mcfbdtdco rnad`ns, tln bnfknr usns tlnefdbcut tc pfy cjj (nssnotdfb) mrcodns.

•Do bfran mcfbdtdco rnad`ns, tlnrn ds cjtno f mlfoancj bnfknrs7

•onw efshnt cj puebdm accks

•rnaubftcry rnjcr`



Nvno Futcmrfts Yrcvdkn ]c`n Yuebdm Accks

Qly3



Nvno Futcmrfts Yrcvdkn ]c`n Yuebdm Accks. Qly3

• Bnfknrs onnk tc mcbbnmt tfxns.• Nmcoc`dmfbby prckumtdvn pncpbn lfvn `crn wdtl

wldml tc pfy.• ]c, futcmrfts wdbb spnok co tln typn cj puebdmaccks tlft frn onmnssfry jcr nmcoc`dm prckumtdvdty(eut oct co ctlnr scrts cj puebdm accks)

•Dojrfstrumturn

•Efsdm lnfbtl mfrn

•Yrd`fry nkumftdco



Nkumftdco

• [cc ùml nkumftdcofb cppcrtuodty mfo nqudp crkdofry jcbh(dotnrmlfoanfebns) tc rnvcbt

•@ftl fok ]mdnomn do futcmrfmdns

•Ycbdtdmfb ]mdnomn fok ]cmdcbcay frn `cst stukdnk do kn`cmrfmdns

• Futcmrfmdns rfrnby lfvn arnft uodvnrsdtdns•Mldof fok ]doafpcrn frn tln coby futlcrdtfrdfo rnad`ns wdtl uodvnrsdtdns do tlntcp 599

•Kdmtftcrs mldbkrno usufbby ac cvnrsnns jcr smlccbdoa (Cxjcrk)

•ôdvnrsdtdns tln`snbvns, lcwnvnr, frn hdok cj bdhn s`fbbmcfbdtdco rnad`ns

•‒Bnafmy‐ fk`dssdcos

• Fbuòd fok Knvnbcp`not



Lnfbtl Mfrn•

Efsdm lnfbtlmfrn ds sc`ntd`ns acck do futcmrfmdns

• Tnt, dojfot `crtfbdty rftns frn typdmfbby ldal•Dt wdbb en f bcoa td`n enjcrn dojfots frn dotnrmlfoanfebns.

•Enonvcbnot kdmtftcrs3• Qlno Eftdstf wfs kn`cmrftdmfbby nbnmtnk ln wfs fo njjnmtdvn scmdfb

rnjcr`nr wdtl summnssjub nmcoc`dm pcbdmdns.• Qlno ln rnturonk tc pcwnr do f s`fbb mcfbdtdco rnad`n, ln wfs bnssmcomnronk wdtl tlnsn dssuns (dkncbcay3)

•Unbftdvn dojfot `crtfbdty rftn do Muef knmbdonk uoknr ectl Eftdstf DD

fok Mfstrc (rfkdmfbby kdjjnrnot dkncbcadns)



Dojfot @crtfbdty • ‒[ln wcrbk—s =: acvnro`nots tlft knpnok co tln

bfranst arcup cj nssnotdfbs lfvn tldrty-con jnwnrdojfot knftls pnr 6,999 edrtls tlfo tln jcrty-jcuracvnro`nots tlft knpnok co tln s`fbbnst arcup cj

nssnotdfbs.

• Mc`pfrdoa tln sf`n ndalty mcuotrdns eut ocw efsnkco pnr mfpdtf domc`n, tln pccrnst lfvn jdjtnno `crndojfot knftls pnr 6,999 edrtls tlfo tln rdmlnst.

• Endoa rdml kcns jfmdbdtftn sfvdoa efedns— bdvns eut oct

fs `uml fs endoa kn`cmrftdm!‐



Eudbkdoa Dojrfstrumturn

•Ucfks•Accks tc `frhnt & Futcmrft cut cj tln mcuotry fok tlft—s dt!

•Ucfks frn nxpnosdvn• [nrrfdo mfo snrvn fs fo d`pnkd̀ not

•Nstfebdslnk ondalecrlccks mfo snrvn fs fo d`pnkd`not

• [ypdmfbby nok up mcstdoa ̀ crn do futcmrfmdns ‛ arfjt (mrcodns)

•Uftdc cj krdvdoa kdstfomn tc tln kdstfomn fs tln mrcwjbdns ‛ s`fbb rftdc `nfos strfdalt rcfk

•Coby 5 cj tln =9 bcwnst rftdcs frn do kn`cmrfmdns (=9 ynfrs)

•Coby 5 cj tln 69 bcwnst rftdcs frn do kn`cmrfmdns (ocw)



Nfrtlqufhns

•D`pfmt fok rnspcosn frn f juomtdco cj pcbdtdms

•Ef`, Drfo 599=•:.> tc :.: co tln Udmltnr ]mfbn

•@crn tlfo 5:,999 c j 41,999 rnsdknots wnrn hdbbnk

•Dqudqun, Mldbbn 599>

•1.4 co tln Udmltnr ]mfbn (5> td`n arnftnr tlfo Ef`)

•66 cj 5=<,999 rnsdknots wnrn hdbbnk



Eudbkdoa Mckns

•Kntfdbnk•^pkftnk

•Nojcrmnk

• ‒Eda mcfbdtdcos sfvn bdvns enmfusn eda-mcfbdtdco

bnfknrs hocw tlft dj tlny kco—t prctnmt tlndrcrkdofry mdtdznos tlny—bb en turonk cut cj cjjdmn dojfvcr cj sc`ncon wlc wdbb.‐

8 getting spending.pdf

Documents