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Budget

  1. Family budget vs individual budget
  2. What is your attitude to credits? Do you take them?
  3. What are the advantages and disadvantages of credit cards? Do we really need them? 
  4. What for does the credit history exist? Do you know your credit history? Have you ever seen a report on your credit history? 
  5. Have you ever tried to record all your spending? What tool is better for that, in your opinion - special programs / mobile applications / simple Excel table? Does record of spending really help to control your buget?
  6. Have you ever tried to create your individual / family budget for a month? What was the result?
  7. Four walls of basement: food, clothes, place to live, transport. What else should we necessarily think about when we calculate individual / family budget for a month?
  8. GIVE -> SAVE -> SPEND formula. How do you understand it? What do you think about it?
  9. Do you agree that financial success is not a big house and black BMW? What is financial success then? What is the role of budget on the way to success?
  10. Do we need financial advisers (computer / phone / agencies / personal advisers) to achieve financial success? 

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