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Upravljanje z osebnimi financami : delo diplomskega seminarja
ID Trafela, Tjaša (Author), ID Črnigoj, Matjaž (Mentor) More about this mentor... This link opens in a new window

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Abstract
V delu diplomskega seminarja z naslovom Upravljanje z osebnimi financami sta predstavljena področje osebnih financ in način, kako z njimi upravljati, če želimo doseči cilje, ki smo si jih zastavili in se razlikujejo glede na obdobja, v katerih živimo. Za dobro upravljanje lastnih financ je treba stalno spremljati in nadzorovati stanje svojih investicij in dolgov. Za navedeno temo sem se odločila, ker se sama približujem obdobju, ko bom morala začeti učinkovito upravljati s svojimi financami, hkrati pa sem se želela bolje seznaniti z varčevanjem, potrošnjo in zadolževanjem v Sloveniji. Za učinkovito upravljanje osebnih financ je bistveno poznavanje tega področja, zato so v delu predstavljeni tudi njegovi osnovni pojmi. Izvedla sem anketo, v kateri sem naključno populacijo povprašala o njenem upravljanju osebnih financ, odgovore pa sem primerjala s podatki iz statističnega urada. Zanimalo me je tudi, kako so varčevanje, zadolževanje in zavarovanje odvisni od starosti, poklica in stopnje izobrazbe. Zaradi pandemije smo Slovenci v zadnjih letih privarčevali več kot v prejšnjih, saj je bila zaradi ukrepov potrošnja otežena. Tudi dolg gospodinjstev se je v tem obdobju zmanjšal. Z anketo sem potrdila dejstvo, da smo Slovenci pri varčevanju zelo konservativni in nenaklonjeni tveganju.

Language:Slovenian
Keywords:osebne finance, finančni cilji, finančni življenjski cikel, varčevanje, investiranje, zadolževanje, zavarovanje
Work type:Bachelor thesis/paper
Organization:FMF - Faculty of Mathematics and Physics
Year:2022
PID:20.500.12556/RUL-139743 This link opens in a new window
UDC:519.8
COBISS.SI-ID:120722179 This link opens in a new window
Publication date in RUL:07.09.2022
Views:707
Downloads:73
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Secondary language

Language:English
Title:Personal finance management
Abstract:
This Bachelor's thesis entitled Personal finance management presents the concept of personal finance and how to manage it to achieve the desired goals, which differ depending on the time period which we live in. In order to manage your finances well, you need to constantly monitor and control the state of your investments and debts. I chose this topic because I am approaching a time in my life when I will have to start efficiently managing my finances; at the same time I also wanted to become more familiar with savings and debts in Slovenia. Having sufficient knowledge of these topics is essential for efficient management of personal finances, which is why the thesis also presents the basic concepts of personal finances. I conducted a survey to ask a random population about their personal finance management and compare it with data from SURS. I was also interested in how saving, debts and insurance depend on age, profession and level of education. Due to the pandemic, Slovenians have been saving more in recent years, as the measures made consumption more difficult. Household debt also decreased during this period. With the help of the survey, I confirmed the fact that Slovenians are very conservative and averse when it comes to risks when saving.

Keywords:personal finance, financial goals, financial life cycle, saving, investing, borrowing, insurance

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