שאל בנקאי | הרצאות | טיפים בנקאיים

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להתנהל חכם מול בנקים

סוגי-ההוצאות והניהול שלהן?

לשאר הטיפים הבנקאיים בנושא התנהלות שוטפת
לעמוד הראשי של פינת הטיפ הבנקאי

לפעמים חלוקת ההוצאות לסוגים עשויה לסייע לנו בכל מיני שיקולים כמו הקצאת מסגרת, בחירת סוג כרטיס, חלוקת עסקה לתשלומים ועוד.
נחלק את סוג-ההוצאות: שוטף וחריג.
🔘 נסנכרן את ההוצאות השוטפות עם ההכנסה השוטפת, כי בד״כ הן קבועות (חשבונות, חינוך, מזון וכד׳).
רצוי מאוד לא לפרוס לתשלומים את ההוצאות השוטפות, כי אז פעולה זו יכולה להכביד בחודשים לאחר מכן. למשל זה מיותר לחלק את הוצאות הסופר לתשלומים, מאחר שהתשלום הבא יתווסף להוצאת המזון הבאה, ואז אנחנו בעצם מגדילים לעצמנו את ההוצאה ומעמיסים על הכיס ופוגעים ביתרת ההכנסה הפנויה.
🔘 גם את ההוצאות החריגות נפצל לשני חלקים:
▪️ צפויות: נפרוס לתשלומים בהתאם להכנסה הקבועה השוטפת (נניח: רישיון-רכב, טיול לחו״ל, מכשיר/ רהיט לבית וכד׳),
▪️ לא צפויות: נייעד בהתאם לחיסכון ששמים בצד לבלת״מ (בד״כ רפואי, תקלות-רכב וכו׳); החיסכון עבור ההוצאות הלא צפויות צריך להיות נזיל ולא למטרת רווח. הסוג הנפוץ הוא פר״י (פקדון ריבית יומי).
🔘 בנוסף, נתייחס להוצאות החד-פעמיות (הוצאות של ״פעם בחיים״) — למשל רכישת-בית, אירוע משפחתי, לימודים אקדמיים וכו׳.
ההיערכות האידיאלית עבורן אמורה לבוא בצורת חיסכון ארוך-טווח, בניגוד להוצאות החריגות הלא צפויות, אשר החיסכון עבורן צריך להיות נזיל.
🔘 מה עושים כאשר אין חסכונות, או כאשר ההוצאות גבוהות מההכנסות?
▪️ נרכז את ההוצאות לתאריך קבוע בחודש.
▪️ לקראת הוצאה חריגה נעשה סיעור-מוחות עד מתי ניתן לדחות אותה (למשל לבחון בונוס צפוי בעבודה בעוד כחודשיים.. או לתעדף את ההוצאות הדחופות יותר)..
▪️ נבחן תוכנית-הבראה מול הבנק.
▪️ נערוך רשימה של ההוצאות הקטנות וננפה מה שניתן — הן תמיד מצטברות לסכום אחד גדול.
▪️ ניפטר מ״נקיפות-המצפון״ כלפי הילדים.. לספק להם מה שהם צריכים, וכשיתאפשר בהמשך אז לספק מה שהלב רוצה.

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