{"id":2637,"date":"2023-10-04T22:08:18","date_gmt":"2023-10-04T22:08:18","guid":{"rendered":"https:\/\/invertiscapital.com\/5-pasos-para-elaborar-presupuesto-familiar\/"},"modified":"2023-10-24T15:22:58","modified_gmt":"2023-10-24T15:22:58","slug":"5-passos-per-elaborar-pressupost-familiar","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/5-passos-per-elaborar-pressupost-familiar\/","title":{"rendered":"5 passos per elaborar el teu pressupost familiar"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Per poder organitzar les finances familiars necessitem una mica d\u201fordre i aix\u00ed aconseguirem evitar desequilibris que suposin un problema econ\u00f2mic. Patricia Foster, experta en finances personals, ens explica que una senzilla manera d&#8217;evitar els embolics econ\u00f2mics \u00e9s elaborar un pressupost familiar que doni una mica d&#8217;ordre.<\/p><p class=\"wp-block-paragraph\">Estableix 5 passos per dur a terme aquest proc\u00e9s<\/p><p class=\"wp-block-paragraph\">Pareu atenci\u00f3!<\/p><p class=\"wp-block-paragraph\">1r L&#8217;eina. En primer lloc, hem d&#8217;escollir l&#8217;eina on anirem registrant les dades necess\u00e0ries. Pot ser des d&#8217;un Excel a una llibreta f\u00edsica, per\u00f2 recordeu que ha d&#8217;estar disponible en tot moment perqu\u00e8 puguis revisar-la.<\/p><p class=\"wp-block-paragraph\"> <\/p><p class=\"wp-block-paragraph\">2n Registrar la informaci\u00f3. Aix\u00ed com hem escollit l&#8217;eina, el pas seg\u00fcent ser\u00e0 utilitzar-la, \u00e9s a dir, anar apuntant despeses i ingressos que realitzem en un mes. \u00c9s recomanable que apuntis les dades de la manera m\u00e9s precisa possible.<\/p><p class=\"wp-block-paragraph\"> <\/p><p class=\"wp-block-paragraph\">3r Identificar els ingressos. Has de distingir a l&#8217;hora d&#8217;apuntar els teus ingressos entre fixos (sou, pensi\u00f3) i variables (hores extra, premis, feines independents). Aix\u00ed podr\u00e0s tenir una idea m\u00e9s clara de quants diners reps mensualment.<\/p><p class=\"wp-block-paragraph\"> <figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2929\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2022\/06\/entrepreneur-working-with-bills.jpg\" alt=\"\" width=\"1500\" height=\"1000\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\">4t Identificar les despeses. Diguem que aquest \u00e9s el pas m\u00e9s complicat, ja que haur\u00e0s de tenir molt de compte. Has d&#8217;escriure les despeses fixes (la hipoteca, mensualitat escolar, transport) tamb\u00e9 has de tenir en compte les despeses extres (regals, lleure, sortides) aix\u00ed podr\u00e0s realment observar i calcular el nivell de despesa que tens.<\/p><p class=\"wp-block-paragraph\"> <\/p><p class=\"wp-block-paragraph\">5\u00e8 Gestionar el pressupost. Quan has apuntat el teu nivell de despeses i ingressos, el seg\u00fcent ser\u00e0 fer un balan\u00e7. El problema arriba si les despeses superen els teus ingressos, en aquest cas estaries en n\u00fameros vermells, per la qual cosa haur\u00e0s de dur a terme una retallada en despeses variables o augmentar els teus ingressos. En canvi, si el balan\u00e7 indica el contrari, els diners que sobra dels teus ingressos els pots destinar a l&#8217;estalvi.<\/p><p class=\"wp-block-paragraph\">Com a conclusi\u00f3, entenem que l&#8217;important d&#8217;ordenar les nostres finances \u00e9s aconseguir que els ingressos cobreixin les despeses del tot. \u00c9s ideal si, a m\u00e9s, els supera.<\/p><p class=\"wp-block-paragraph\">Font: Diari \u00abEl Comer\u00e7\u00bb<\/p>","protected":false},"excerpt":{"rendered":"<p>Per poder organitzar les finances familiars necessitem una mica d\u201fordre i aix\u00ed aconseguirem evitar desequilibris que suposin un problema econ\u00f2mic. Patricia Foster, experta en finances personals, ens explica que una senzilla manera d&#8217;evitar els embolics econ\u00f2mics \u00e9s elaborar un pressupost familiar que doni una mica d&#8217;ordre. Estableix 5 passos per dur a terme aquest proc\u00e9s [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2543,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[126],"tags":[],"class_list":["post-2637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-personals-i-planificacio","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2637"}],"version-history":[{"count":4,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2637\/revisions"}],"predecessor-version":[{"id":3168,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2637\/revisions\/3168"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2543"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}