Місячний бюджет студента Ужгородського університету (9 лютого – 9 березня 2016 року)

Abstract

У статті досліджуються основні статті доходів (кишенькові, стипендія, зарплата) і витрат (продукти харчування та харчування поза домом, одяг взуття, транспортні витрати, подарунки, оренда житла, комунальні платежі, аптека (лікування)) однієї з найбільш соціально незахищених верств населення – студентів (Ужгородського університету) за місяць (з 9 лютого до 9 березня 2016 року), наводяться основні фінансові помилки людини. Знання основних фінансових помилок допомагає взяти свій бюджет під контроль, збільшувати заощадження. Ключові слова: персональні фінанси, доходи, витрати, заощадження.

Firstly, the students are one of the most disadvantaged social groups. Researching of the students’ budget show their financial condition, the need for social protection. Secondly, the students are future specialists and their behavior with money and their money habits as students will affect the financial condition of the graduates in the future. The main parts of the student’s income are pocket money (43,3%) and scholarship (26,6%) – in total 70,1%. The salary in the structure of income is only 9,2%. The incomes of this structure can be characterized as dependent from other people and from the state. The main items of the student’s expenses are: food and eating out – 19,3%, clothing and footwear – 11,2%, transportation costs – 10,7%, gifts (mainly because of the holiday on March 8) – 9,9%, the rental of property – 8,7%. The cost of health care – 5,4%, alcohol and cigarettes – 0,3%. On average, the 92% of incomes were spent. Being aware of the main financial mistakes helps you to get your budget under control, increasing savings. The main financial mistakes include: a disinclination to leave the “comfort zone”; an unwillingness to improve their financial literacy; the desire to protect themselves from the financial affairs; the cohabitation without discussing the financial matters; the inattention to the property and health; the excessive depts; shopping to lift the mood; the inability to distinguish between wants and needs; the desire to look ‘better than other’; the unwillingness to budget; the ignorance of the balance on their accounts; the investment of money using false names; the preference of certain investment objects; the hope for the pension system; the insufficient use of compound interest with the aim of saving; the unwillingness to seek the professional financial help; the misuse of time; the reduction of fees and prices; the provision of free servings; the refusal of vacation; the ignoring of the opportunities to acquire new knowledge; the inability to negotiate; the lending money to relatives, friends and acquaintances; the excessive material help to grown up children; the thoughtless charity; the tendency to group thinking; the management of the family budget with one family member. In the future it is planned to investigate the youth’s budget of different ages and regions. Keywords: personal finances, incomes, expenses, savings.