2
bewerkingen
Budgetplan: verschil tussen versies
→Budgetplan
| Regel 14: | Regel 14: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|<br /> | | style="width: 59px;" data-mce-style="width: 59px;"|<br /> | ||
| style="width: 164px;" data-mce-style="width: 164px;"|<br /> | | style="width: 164px;" data-mce-style="width: 164px;"|<br /> | ||
| style="width: | | style="width: 103px;" data-mce-style="width: 103px;"|<br /> | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"|<br /> | ||
| style="width: 309px;" data-mce-style="width: 309px;"|'''Inkomsten''' | | style="width: 309px;" data-mce-style="width: 309px;"|'''Inkomsten''' | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 22: | Regel 22: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|'''vaste lasten''' | | style="width: 59px;" data-mce-style="width: 59px;"|'''vaste lasten''' | ||
| style="width: 164px;" data-mce-style="width: 164px;"|<br /> | | style="width: 164px;" data-mce-style="width: 164px;"|<br /> | ||
| style="width: | | style="width: 103px;" data-mce-style="width: 103px;"|<br /> | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"|<br /> | ||
| style="width: 309px;" data-mce-style="width: 309px;"|<br /> | | style="width: 309px;" data-mce-style="width: 309px;"|<br /> | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 30: | Regel 30: | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"|Huur/hypotheek | | style="width: 164px;" data-mce-style="width: 164px;"|Huur/hypotheek | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 800 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"|Salaris | | style="width: 309px;" data-mce-style="width: 309px;"|Salaris | ||
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 2.300 | | style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 2.300 | ||
| Regel 37: | Regel 37: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"|Energie | | style="width: 164px;" data-mce-style="width: 164px;"|Energie direct | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 175 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"|Zorgtoeslag | | style="width: 309px;" data-mce-style="width: 309px;"|Zorgtoeslag | ||
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 50<br /> | | style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 50<br /> | ||
| Regel 45: | Regel 45: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"|Water/maand | | style="width: 164px;" data-mce-style="width: 164px;"|dunea ga | ||
| style="width: | |||
| style="width: | |||
gas Water/maand | |||
| style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 60 | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"|Kinderbijslag /maand | | style="width: 309px;" data-mce-style="width: 309px;"|Kinderbijslag /maand | ||
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 65<br /> | | style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 65<br /> | ||
| Regel 54: | Regel 59: | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"|Zorgverzekering | | style="width: 164px;" data-mce-style="width: 164px;"|Zorgverzekering | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 229 | ||
| style="width: | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"|Kinderopvangtoeslag | | style="width: 309px;" data-mce-style="width: 309px;"|Kinderopvangtoeslag | ||
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 200<br /> | | style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 200<br /> | ||
| Regel 62: | Regel 69: | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"|Gemeentebelastingen | | style="width: 164px;" data-mce-style="width: 164px;"|Gemeentebelastingen | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 91 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"|Kindgebonden Budget | | style="width: 309px;" data-mce-style="width: 309px;"|Kindgebonden Budget | ||
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 100 | | style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 100 | ||
| Regel 69: | Regel 76: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|avero | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 42,77 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 77: | Regel 84: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|Ziggo internet, tv | ||
| style="width: | |||
| style="width: | |||
| style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 81 | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 85: | Regel 94: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|t mobile ab. mieke + | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|106 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 93: | Regel 102: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|extra kosten t mobile | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"| | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 101: | Regel 110: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|T mobile abb. kids | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 20 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 109: | Regel 118: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|T mobile abb. kids | ||
| style="width: | |||
| style="width: | |||
| style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€20 | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 117: | Regel 128: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"|ANWB fiets/brommer | ||
| style="width: | |||
| style="width: | |||
verzekeringen | |||
| style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 60 | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"| | |||
| style="width: 79px;" data-mce-style="width: 79px;"| | |||
|- | |||
| style="width: 21px;" data-mce-style="width: 21px;"|<br /> | |||
| style="width: 59px;" data-mce-style="width: 59px;"| | |||
| style="width: 164px;" data-mce-style="width: 164px;"|Anwb lidmaatschap | |||
| style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 18,35 | |||
| style="width: 12px;" data-mce-style="width: 12px;"| | |||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 125: | Regel 149: | ||
| style="width: 21px;" data-mce-style="width: 21px;"| | | style="width: 21px;" data-mce-style="width: 21px;"| | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"| | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"| | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 134: | Regel 158: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|'''Totaal Vaste lasten''' | | style="width: 59px;" data-mce-style="width: 59px;"|'''Totaal Vaste lasten''' | ||
| style="width: 164px;" data-mce-style="width: 164px;"|<br /> | | style="width: 164px;" data-mce-style="width: 164px;"|<br /> | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|'''€ 2.045''' | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 142: | Regel 166: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|Leefgeld | | style="width: 59px;" data-mce-style="width: 59px;"|Leefgeld | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"| | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 300 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"|<br /> | | style="width: 309px;" data-mce-style="width: 309px;"|<br /> | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 150: | Regel 174: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|Reservering onvoorziene uitgaven | | style="width: 59px;" data-mce-style="width: 59px;"|Reservering onvoorziene uitgaven | ||
| style="width: 164px;" data-mce-style="width: 164px;"|<br /> | | style="width: 164px;" data-mce-style="width: 164px;"|<br /> | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|€ 100 | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 158: | Regel 182: | ||
| style="width: 59px;" data-mce-style="width: 59px;"| | | style="width: 59px;" data-mce-style="width: 59px;"| | ||
| style="width: 164px;" data-mce-style="width: 164px;"| | | style="width: 164px;" data-mce-style="width: 164px;"| | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"| | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"| | ||
| style="width: 309px;" data-mce-style="width: 309px;"| | | style="width: 309px;" data-mce-style="width: 309px;"| | ||
| style="width: 79px;" data-mce-style="width: 79px;"| | | style="width: 79px;" data-mce-style="width: 79px;"| | ||
| Regel 166: | Regel 190: | ||
| style="width: 59px;" data-mce-style="width: 59px;"|<br /> | | style="width: 59px;" data-mce-style="width: 59px;"|<br /> | ||
| style="width: 164px;" data-mce-style="width: 164px;"|<br /> | | style="width: 164px;" data-mce-style="width: 164px;"|<br /> | ||
| style="width: | | style="width: 103px; text-align: right;" data-mce-style="width: 103px; text-align: right;"|'''€ 2.445''' | ||
| style="width: | | style="width: 12px;" data-mce-style="width: 12px;"|<br /> | ||
| style="width: 309px;" data-mce-style="width: 309px;"|'''Totaal Inkomsten''' | | style="width: 309px;" data-mce-style="width: 309px;"|'''Totaal Inkomsten''' | ||
| style="width: 79px;" data-mce-style="width: 79px;"|'''€ 2.715''' | | style="width: 79px;" data-mce-style="width: 79px;"|'''€ 2.715''' | ||
|} | |} | ||
De [[Afloscapaciteit|afloscapaciteit]] bedraagt in dit geval € 2.715-€ 2.445 = € 270. De volgende stap is het opstellen van het [[Schuldenoverzicht|schuldenoverzicht]]. | De [[Afloscapaciteit|afloscapaciteit]] | ||
bedraagt in dit geval € 2.715-€ 2.445 = € 270. De volgende stap is het opstellen van het [[Schuldenoverzicht|schuldenoverzicht]]. | |||
<p> | |||
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''' | </p><h3>Hoeveel Reserveren en hoeveel Afloscapaciteit</h3><p>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''' | ||
| Regel 182: | Regel 209: | ||
'''1 persoon, inkomen per maand zonder toeslagen:''' | '''1 persoon, inkomen per maand zonder toeslagen:''' | ||
</p> | |||
{| class="wikitable" | {| class="wikitable" | ||
|- | |- | ||
| Regel 214: | Regel 242: | ||
|| | || | ||
|} | |} | ||
'''2 personen, inkomen per maand zonder toeslagen:''' | <p>'''2 personen, inkomen per maand zonder toeslagen:''' | ||
</p> | |||
{| class="wikitable" | {| class="wikitable" | ||
|- | |- | ||