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Budgetplan: verschil tussen versies

Budgetplan (bekijk bron)

Versie van 2 jul 2024 17:05

11.606 bytes verwijderd ,  2 jul 2024 17:05
→‎Inleiding
 
(40 tussenliggende versies door 5 gebruikers niet weergegeven)
Regel 1: Regel 1:
Voorbeeld van een budgetplan:
Het budgetplan dient als hulpmiddel om inzicht te geven in de inkomsten en uitgaven van een klant. Door dit inzicht kunnen afspraken worden gemaakt om te proberen binnen dit plan met geld om te gaan. Dat zal de ene maand beter gaan dan de andere en dat is niet erg. Het helpt klanten zich bewust te maken hoeveel geld er binnenkomt en er uitgaat.
== Inleiding ==
Het op orde krijgen van de financiën bestaat uit vier stappen:
# Het ordenen van de administratie
# Opstellen van het budgetplan (overzicht van de inkomsten en uitgaven)
# Het schuldenoverzicht (indien nodig)
# De schuldenregeling of financieel plan (voorspelling van de toekomst o.b.v. stap 2 en 3).
Hoe je de administratie kunt ordenen laten we aan jou. Ordner, tabbladen en perforator zijn daarvoor voldoende. We beginnen daarom hier met uitleg over het budgetplan.


== Budgetplan ==
Hieronder staat een voorbeeld van een budgetplan (overzicht van geplande inkomsten en uitgaven). Om te weten wat de uitgaven wat betreft vaste lasten zijn kun je het beste gebruik maken van de bankrekening van de cliënt. Door een overzicht te maken over de laatste drie maanden van een client (meestal kan dit op de website van de bank als pdf worden gedownload) krijg je een goed beeld van de vaste lasten per maand. Is er onvoldoende informatie dan kan ook het [https://persoonlijkbudgetadvies.nibud.nl/ rekenvoorbeeld van Nibud ] (Persoonlijk Budgetadvies) worden gebruikt als basis. 
{{{!}} class="wikitable" style="width: 760px;"
{{!}}-
{{!}} style="width: 21px;" {{!}} '''Uitgaven'''
{{!}} style="width: 59px;" {{!}} <br>
{{!}} style="width: 164px;" {{!}} <br>
{{!}} style="width: 103px;" {{!}} <br>
{{!}} style="width: 12px;" {{!}} <br>
{{!}} style="width: 309px;" {{!}} '''Inkomsten'''
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}} <br>
{{!}} style="width: 59px;" {{!}} '''vaste lasten'''
{{!}} style="width: 164px;" {{!}} <br>
{{!}} style="width: 103px;" {{!}} <br>
{{!}} style="width: 12px;" {{!}} <br>
{{!}} style="width: 309px;" {{!}} <br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Huur/hypotheek
{{!}} style="width: 103px; text-align: right;" {{!}} € 800
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} Salaris
{{!}} style="width: 79px; text-align: right;" {{!}} € 2.300
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Energie direct
{{!}} style="width: 103px; text-align: right;" {{!}} € 175
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} Zorgtoeslag
{{!}} style="width: 79px; text-align: right;" {{!}} € 50<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} dunea ga


{| class="wikitable" style="width: 993px;" data-mce-style="width: 993px;"
|-
| style="width: 21px;" data-mce-style="width: 21px;"|Uitgaven
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"| 
| style="width: 93px;" data-mce-style="width: 93px;"| 
| style="width: 116px;" data-mce-style="width: 116px;"|Inkomsten
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"|
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"|vaste lasten
| style="width: 192px;" data-mce-style="width: 192px;"| 
| style="width: 93px;" data-mce-style="width: 93px;"| 
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"|
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Huur/hypotheek
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 800
| style="width: 116px;" data-mce-style="width: 116px;"|Salaris
| style="width: 301px;" data-mce-style="width: 301px;"|€ 2,400
| style="width: 54px;" data-mce-style="width: 54px;"|<br />
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Energie
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 100
| style="width: 116px;" data-mce-style="width: 116px;"|Zorgtoeslag
| style="width: 301px;" data-mce-style="width: 301px;"|€ 50<br />
| style="width: 54px;" data-mce-style="width: 54px;"|<br />
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Water/maand
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 30
| style="width: 116px;" data-mce-style="width: 116px;"|Kinderbijslag /maand
| style="width: 301px;" data-mce-style="width: 301px;"|€ 65<br />
| style="width: 54px;" data-mce-style="width: 54px;"|<br />
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Zorgverzekering
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 270
| style="width: 116px;" data-mce-style="width: 116px;"|Kinderopvang
| style="width: 301px;" data-mce-style="width: 301px;"|€ 200<br />
| style="width: 54px;" data-mce-style="width: 54px;"|<br />
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Gemeentebelastingen
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 80
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Aflossing schuld
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 200
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Internet
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 70
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Mobiele telefonie
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 70
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Netflix
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 15
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Sportclub
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 20
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Wegenbelasting
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 30
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Verzekeringen
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 60
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|Kinderopvang
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 300
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"|'''Totaal Vaste lasten'''
| style="width: 192px;" data-mce-style="width: 192px;"|''''''
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|'''€ 2,045'''
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"|
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"|Leefgeld
| style="width: 192px;" data-mce-style="width: 192px;"| 
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 300
| style="width: 116px;" data-mce-style="width: 116px;"|<br />
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"|<br />
| style="width: 130px;" data-mce-style="width: 130px;"|Reservering onvoorziene uitgaven
| style="width: 192px;" data-mce-style="width: 192px;"|<br />
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 100
| style="width: 116px;" data-mce-style="width: 116px;"|
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"| 
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"| 
| style="width: 116px;" data-mce-style="width: 116px;"| 
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"|Totaal uitgaven
| style="width: 130px;" data-mce-style="width: 130px;"| 
| style="width: 192px;" data-mce-style="width: 192px;"|<br />
| style="width: 93px; text-align: right;" data-mce-style="width: 93px; text-align: right;"|€ 2,445
| style="width: 116px;" data-mce-style="width: 116px;"|Totaal Inkomsten
| style="width: 301px;" data-mce-style="width: 301px;"| 
| style="width: 54px;" data-mce-style="width: 54px;"|
|}
<p>


gas Water/maand


</p>
{{!}} style="width: 103px; text-align: right;" {{!}} € 60
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} Kinderbijslag /maand
{{!}} style="width: 79px; text-align: right;" {{!}} € 65<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Zorgverzekering
{{!}} style="width: 103px; text-align: right;" {{!}} € 229


{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} Kinderopvangtoeslag
{{!}} style="width: 79px; text-align: right;" {{!}} € 200<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Gemeentebelastingen
{{!}} style="width: 103px; text-align: right;" {{!}} € 91
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} Kindgebonden Budget
{{!}} style="width: 79px; text-align: right;" {{!}} € 100
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} avero
{{!}} style="width: 103px; text-align: right;" {{!}} € 42,77
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Ziggo internet, tv


<table border=0 cellpadding=0 cellspacing=0 width=666 style='border-collapse:
{{!}} style="width: 103px; text-align: right;" {{!}} € 81
collapse;table-layout:fixed;width:500pt'>
{{!}} style="width: 12px;" {{!}}
<col width=41 style='mso-width-source:userset;mso-width-alt:1322;width:31pt'>
<br>
<col width=36 style='mso-width-source:userset;mso-width-alt:1152;width:27pt'>
{{!}} style="width: 309px;" {{!}}
<col width=195 style='mso-width-source:userset;mso-width-alt:6229;width:146pt'>
<br>
<col width=84 style='mso-width-source:userset;mso-width-alt:2688;width:63pt'>
{{!}} style="width: 79px;" {{!}}
<col width=65 style='mso-width-source:userset;mso-width-alt:2090;width:49pt'>
<br>
<col width=9 style='mso-width-source:userset;mso-width-alt:298;width:7pt'>
{{!}}-  
<col width=149 style='mso-width-source:userset;mso-width-alt:4778;width:112pt'>
{{!}} style="width: 21px;" {{!}}
<col width=87 style='width:65pt'>
<br>
<tr class=xl64 height=28 style='height:21.0pt'>
{{!}} style="width: 59px;" {{!}}
  <td height=28 class=xl74 colspan=3 width=272 style='height:21.0pt;mso-ignore:
<br>
  colspan;width:204pt'>Uitgaven</td>
{{!}} style="width: 164px;" {{!}} t mobile ab. mieke +
  <td class=xl76 width=84 style='width:63pt'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}} 106
  <td class=xl75 width=65 style='width:49pt'>&nbsp;</td>
{{!}} style="width: 12px;" {{!}}
  <td class=xl64 width=9 style='width:7pt'></td>
<br>
  <td class=xl74 width=149 style='width:112pt'>Inkomsten</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl75 width=87 style='width:65pt'>&nbsp;</td>
<br>
</tr>
{{!}} style="width: 79px;" {{!}}
<tr height=21 style='height:16.0pt'>
<br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}}-
  <td colspan=2 class=xl82 style='border-left:none'>vaste lasten</td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 59px;" {{!}}
  <td class=xl68>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 164px;" {{!}} extra kosten t mobile
  <td class=xl66 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}}
</tr>
<br>
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 12px;" {{!}}
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>Huur/hypotheek</td>
<br>
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 79px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>        
<br>
  </span>800 </td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>Salaris</td>
{{!}} style="width: 59px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>      
{{!}} style="width: 164px;" {{!}} T mobile abb. kids
  </span>2,400 </td>
{{!}} style="width: 103px; text-align: right;" {{!}} € 20
</tr>
{{!}} style="width: 12px;" {{!}}
<tr height=21 style='height:16.0pt'>
<br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>Energie</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>        
{{!}}-  
  </span>100 </td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 59px;" {{!}}
  <td class=xl65 style='border-top:none'>Zorgtoeslag</td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}} style="width: 164px;" {{!}} T mobile abb. kids
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>           
 
  </span>50 </td>
{{!}} style="width: 103px; text-align: right;" {{!}} €20
</tr>
{{!}} style="width: 12px;" {{!}}
<tr height=21 style='height:16.0pt'>
<br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>Water/maand</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
{{!}}-
  </span>30 </td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 59px;" {{!}}
  <td class=xl65 style='border-top:none'>Kinderbijslag /maand</td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}} style="width: 164px;" {{!}} ANWB fiets/brommer
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>           
 
  </span>65 </td>
 
</tr>
verzekeringen
<tr height=21 style='height:16.0pt'>
 
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}} € 60
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 12px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>Zorgverzekering</td>
<br>
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 309px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>        
<br>
  </span>270 </td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}}-
  <td class=xl65 style='border-top:none'>Kinderopvang</td>
{{!}} style="width: 21px;" {{!}} <br>
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}} style="width: 59px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>         
<br>
  </span>200 </td>
{{!}} style="width: 164px;" {{!}} Anwb lidmaatschap
</tr>
{{!}} style="width: 103px; text-align: right;" {{!}} € 18,35
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 12px;" {{!}}
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>Gemeentebelastingen</td>
<br>
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 79px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
<br>
  </span>80 </td>
{{!}}-  
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 59px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
</tr>
{{!}} style="width: 164px;" {{!}}
<tr height=21 style='height:16.0pt'>
<br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>Aflossing schuld</td>
{{!}} style="width: 12px;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>        
{{!}} style="width: 309px;" {{!}}
  </span>200 </td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}}
</tr>
<br>
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 59px;" {{!}} '''Totaal Vaste lasten'''
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 164px;" {{!}} <br>
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}} '''€ 2.045'''
  <td class=xl63 style='border-top:none;border-left:none'>Internet</td>
{{!}} style="width: 12px;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
{{!}} style="width: 309px;" {{!}}
  </span>70 </td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}}
</tr>
<br>
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 59px;" {{!}} Leefgeld
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 164px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>Mobiele telefonie</td>
{{!}} style="width: 103px; text-align: right;" {{!}} € 300
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 12px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
<br>
  </span>70 </td>
{{!}} style="width: 309px;" {{!}} <br>
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}} <br>
</tr>
{{!}} style="width: 59px;" {{!}} Reservering onvoorziene uitgaven
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 164px;" {{!}} <br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 103px; text-align: right;" {{!}} € 100
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 12px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>Netflix</td>
<br>
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 309px;" {{!}}
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
<br>
  </span>15 </td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}}-
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 21px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
</tr>
{{!}} style="width: 59px;" {{!}}
<tr height=21 style='height:16.0pt'>
<br>
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 164px;" {{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>Sportclub</td>
{{!}} style="width: 103px; text-align: right;" {{!}}
  <td class=xl70 style='border-top:none;border-left:none'><span
<br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
{{!}} style="width: 12px;" {{!}}
  </span>20 </td>
<br>
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 309px;" {{!}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="width: 79px;" {{!}}
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
</tr>
{{!}}-
<tr height=21 style='height:16.0pt'>
{{!}} style="width: 21px;" {{!}} '''Totaal uitgaven'''
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="width: 59px;" {{!}} <br>
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="width: 164px;" {{!}} <br>
  <td class=xl63 style='border-top:none;border-left:none'>Wegenbelasting</td>
{{!}} style="width: 103px; text-align: right;" {{!}} '''€ 2.445'''
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}} style="width: 12px;" {{!}} <br>
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
{{!}} style="width: 309px;" {{!}} '''Totaal Inkomsten'''
  </span>30 </td>
{{!}} style="width: 79px;" {{!}} '''€ 2.715'''
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}}}
  <td class=xl68 style='border-top:none'>&nbsp;</td>
De [[Afloscapaciteit{{!}}afloscapaciteit]]bedraagt in dit geval € 2.715-€ 2.445 = € 270. De volgende stap is het opstellen van het [[Schuldenoverzicht{{!}}schuldenoverzicht]].
  <td class=xl65 style='border-top:none'>&nbsp;</td>
 
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
=== Hoeveel Reserveren en hoeveel Afloscapaciteit ===
</tr>
Het bepalen van afloscapaciteit en reserveringen is een moeilijke. De basis is om <u>niet</u> het gehele verschil tussen Uitgaven en Inkomsten aan te wenden voor het betalen van schulden en achterstanden. Het risico bestaat tenslotte dat er een tegenslag is waardoor bijvoorbeeld een afgesproken betalingsregeling niet kan worden nagekomen en heronderhandeld moet worden. Het is daarom beter wat geld achter de hand te hebben en als er voldoende reserve is meer af te betalen op een betalingsregeling dan is afgesproken dan andersom en zo heronderhandeling te voorkomen. Basis is om te streven naar een reserve van tenminste € 600 (liefst het dubbele d.w.z. € 1.200) na één jaar. In onderstaande tabel staan indicatieve voorbeelden om je een beeld te geven hoe je afloscapaciteit en reservering kunt bepalen. '''Het blijft maatwerk dat van cliënt tot cliënt zal verschillen (bijvoorbeeld a.g.v. toeslagen), de voorbeelden zijn slechts bedoeld om het mechanisme afloscapaciteit en reservering uit te leggen'''
<tr height=21 style='height:16.0pt'>
 
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
 
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
 
  <td class=xl63 style='border-top:none;border-left:none'>Verzekeringen</td>
 
  <td class=xl70 style='border-top:none;border-left:none'><span
'''1 persoon, inkomen per maand zonder toeslagen:'''
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>          
{{{!}} class="wikitable"
  </span>60 </td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} Inkomen
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 975
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 1025
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} €1125
</tr>
{{!}} style="text-align: right;" {{!}} € 1225
<tr height=21 style='height:16.0pt'>
{{!}} style="text-align: right;" {{!}} € 1325
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 1425
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 1525
  <td class=xl63 style='border-top:none;border-left:none'>Kinderopvang</td>
{{!}} etc.
  <td class=xl70 style='border-top:none;border-left:none'><span
{{!}}-
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>        
{{!}} Afloscapaciteit
  </span>300 </td>
{{!}} style="text-align: right;" {{!}} € 50
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 50<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 100
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 150
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 250
</tr>
{{!}} style="text-align: right;" {{!}} € 350
<tr height=21 style='height:16.0pt'>
{{!}} style="text-align: right;" {{!}} € 450
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}}
  <td class=xl77 colspan=2 style='mso-ignore:colspan;border-right:.5pt solid black'>Totaal
<br>
  Vaste lasten</td>
{{!}}-
  <td class=xl70 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} Reservering
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}} style="text-align: right;" {{!}} € 0
  style='mso-spacerun:yes'> </span>€ 2,045 </td>
{{!}} style="text-align: right;" {{!}} € 0<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 50
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 100
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 100
</tr>
{{!}} style="text-align: right;" {{!}} € 100
<tr height=21 style='height:16.0pt'>
{{!}} style="text-align: right;" {{!}} € 100
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}}
  <td class=xl63 style='border-top:none;border-left:none'>Leef<span
<br>
  style='display:none'>geld</span></td>
{{!}}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
'''2 personen, inkomen per maand zonder toeslagen:'''
  <td class=xl70 style='border-top:none;border-left:none'>&nbsp;</td>
{{{!}} class="wikitable"
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}}-
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>   
{{!}} Inkomen
  </span>300 </td>
{{!}} style="text-align: right;" {{!}} € 1465
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 1515
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} €1615
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 1715
</tr>
{{!}} style="text-align: right;" {{!}} € 1815
<tr height=21 style='height:16.0pt'>
{{!}} style="text-align: right;" {{!}} € 1915
  <td colspan=3 height=21 class=xl83 style='border-right:.5pt solid black;
{{!}} style="text-align: right;" {{!}} € 2015
  height:16.0pt'>Reservering onvoorziene uitgaven</td>
{{!}} etc.
  <td class=xl70 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}}-
  <td class=xl71 style='border-top:none;border-left:none'><span
{{!}} Afloscapaciteit
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>   
{{!}} style="text-align: right;" {{!}} € 50
  </span>100 </td>
{{!}} style="text-align: right;" {{!}} € 50<br>
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 100
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 150
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 250
</tr>
{{!}} style="text-align: right;" {{!}} € 350
<tr height=21 style='height:16.0pt'>
{{!}} style="text-align: right;" {{!}} € 450
  <td height=21 class=xl65 style='height:16.0pt;border-top:none'>&nbsp;</td>
{{!}}
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl63 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}}-
  <td class=xl70 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} Reservering
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 0
  <td class=xl68 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 0<br>
  <td class=xl65 style='border-top:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 50
  <td class=xl71 style='border-top:none;border-left:none'>&nbsp;</td>
{{!}} style="text-align: right;" {{!}} € 100
</tr>
{{!}} style="text-align: right;" {{!}} € 100
<tr height=23 style='height:17.0pt'>
{{!}} style="text-align: right;" {{!}} € 100
  <td height=23 class=xl79 colspan=3 style='height:17.0pt;mso-ignore:colspan;
{{!}} style="text-align: right;" {{!}} € 100
  border-right:.5pt solid black'>Totaal uitgaven</td>
{{!}}
  <td class=xl72 style='border-top:none;border-left:none'>&nbsp;</td>
<br>
  <td class=xl73 style='border-top:none;border-left:none'><span
{{!}}}
  style='mso-spacerun:yes'> </span>€ 2,445 </td>
 
  <td class=xl69 style='border-top:none'>&nbsp;</td>
==Naar stap 2: het schuldenoverzicht==
  <td class=xl67 style='border-top:none'>Totaal Inkomsten</td>
De volgende stap is een overzicht van de achterstanden te maken. Klik daarvoor [[Schuldenoverzicht|hier]]
  <td class=xl73 style='border-top:none;border-left:none'><span
 
  style='mso-spacerun:yes'> </span>€<span style='mso-spacerun:yes'>      
 
  </span>2,715 </td>
 
</tr>
 
<![if supportMisalignedColumns]>
 
<tr height=0 style='display:none'>
 
  <td width=41 style='width:31pt'></td>
 
  <td width=36 style='width:27pt'></td>
 
  <td width=195 style='width:146pt'></td>
 
  <td width=84 style='width:63pt'></td>
 
  <td width=65 style='width:49pt'></td>
 
  <td width=9 style='width:7pt'></td>
 
  <td width=149 style='width:112pt'></td>
 
  <td width=87 style='width:65pt'></td>
 
</tr>
Zie ook: [[Schuldenoverzicht]], [[Schuldregeling]], [[Overzicht van het vaste lasten schema |Vaste Lasten Schema ]] en[[Budget-, schuldenplan voor eigen gebruik|Excel versie voor eigen gebruik]]
<![endif]>
</table>
Overgenomen van "https://schuldhulphulp.nl/wiki/index.php?title=Speciaal:MobielVerschillen/259...6389"