 | personal
finance
Personal finance Personal finance is the application of the
principles of finance to the monetary decisions of an individual or family unit.
It addresses the ways in which individuals or families obtain, budget, save, and
spend monetary resources over time, taking into account various financial risks
and future life events. Components of personal finance might include checking
and savings accounts, credit cards and consumer loans, investments in the stock
market, retirement plans, social security benefits, insurance policies, and income
tax management. A key component of personal finance is financial planning, a dynamic
process that requires regular monitoring and reevaluation. |  |
| Personal
finance | |
Personal finance |
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Personal
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general personal finance In general, it has five steps:
1. Assessment:
One's personal financial situation can be assessed by compiling simplified versions
of financial balance sheets and income statements. A personal balance sheet lists
the values of personal assets (e.g., car, house, clothes, stocks, bank account),
along with personal liabilities (e.g., credit card debt, bank loan, mortgage).
A personal income statement lists personal income and expenses.
2. Setting
goals: Two examples are "retire at age 65 with a personal net worth of $1,000,000"
and "buy a house in 3 years paying a monthly mortgage servicing cost that
is no more than 25% of my gross income". It is not uncommon to have several
goals, some short term and some long term. Setting financial goals helps direct
financial planning.
3. Creating a plan: The financial plan details how to
accomplish your goals. It could include, for example, reducing unnecessary expenses,
increasing one's employment income, or investing in the stock market.
4. Execution:
Execution of one's personal financial plan often requires discipline and perseverance.
Many people obtain assistance from professionals such as accountants, financial
planners, investment advisers, and lawyers.
5. Monitoring and reassessment:
As time passes, one's personal financial plan must be monitored for possible adjustments
or reassessments.
Typical goals most adults have are paying off credit card
and or student loan debt, retirement, college costs for children, medical expenses,
and estate planning.
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