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Presupuesto familiar

Autoridad de aprobación:
Categoría:
Nivel de destreza:
Año de introducción:

Contenido

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?

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 impuestos su familia tiene que pagar?

8

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

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 interés? ¿Cómo debe ser calculado?

10

Investigar cuál es la tasa de interés y responsabilidades financieras en las líneas de crédito de 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 personal

11

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

12

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

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?

14

Saber hacer lo siguiente:

14a

Llenar y endosar cheques

14b

Llenar recibos

14c

Pagar boletos y/o facturas en un cajero automático

15

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

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.

17

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

Malachi 3:8-12

Referencias

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-Your info:
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 <!-- 15. Keep a personal budget and a log of money coming in and out for six months. -->
-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.
+{{clear}}
-An easy way to track spending is to get a receipt for every amount of money you spend and then categorize the receipts occasionally.
+{{clear}}
-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.
+{{clear}}
-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.
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 <!-- 16. Make a family budget and keep an accurate record of inputs and outputs for six months (Pathfinders and youths can do this together with parents); those who live on farms can make records of farming, dairy and livestock. -->
-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.
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 {{Bible link|Malachi 3:8-12}}
-Do Not Rob God
+{{clear}}
-“Will a man rob God?
-Yet you have robbed Me!
-But you say,
-‘In what way have we robbed You?’
-In tithes and offerings.
-You are cursed with a curse,
-For you have robbed Me,
-Even this whole nation.
-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.
-“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;
-“And all nations will call you blessed,
-For you will be a delightful land,”
-Says the Lord of hosts.
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-==References==
+==Referencias==
-[[Category:Adventist Youth Honors Answer Book|{{SUBPAGENAME}}]]
+[[Category:Adventist Youth Honors Answer Book/es]]
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Difference between revisions of "AY Honors/Household Budgeting/Answer Key/es"

Revision as of 08:18, 17 March 2021

Presupuesto familiar

Referencias