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Budgetplan: verschil tussen versies

Budgetplan (bekijk bron)

Versie van 2 jul 2024 17:05

8.689 bytes verwijderd ,  2 jul 2024 17:05
→‎Inleiding
 
(26 tussenliggende versies door 4 gebruikers niet weergegeven)
Regel 1: Regel 1:
Voorbeeld van een budgetplan (overzicht van geplande inkomsten en uitgaven) :
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: 760px;" data-mce-style="width: 760px;"
|-
| style="width: 21px;" data-mce-style="width: 21px;"|'''Uitgaven'''
| style="width: 59px;" data-mce-style="width: 59px;"|<br />
| style="width: 164px;" data-mce-style="width: 164px;"|<br />
| style="width: 105px;" data-mce-style="width: 105px;"|<br />
| style="width: 10px;" data-mce-style="width: 10px;"|<br />
| style="width: 309px;" data-mce-style="width: 309px;"|'''Inkomsten'''
| 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;"|'''vaste lasten'''
| style="width: 164px;" data-mce-style="width: 164px;"|<br />
| style="width: 105px;" data-mce-style="width: 105px;"|<br />
| style="width: 10px;" data-mce-style="width: 10px;"|<br />
| style="width: 309px;" data-mce-style="width: 309px;"|<br />
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Huur/hypotheek
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 800
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"|Salaris
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 2.400
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Energie
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 100
| style="width: 10px;" data-mce-style="width: 10px;"| 
| 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: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Water/maand
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 30
| style="width: 10px;" data-mce-style="width: 10px;"| 
| 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: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Zorgverzekering
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 270
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"|Kinderopvang
| style="width: 79px; text-align: right;" data-mce-style="width: 79px; text-align: right;"|€ 200<br />
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Gemeentebelastingen
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 80
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Aflossing schuld
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 200
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Internet
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 70
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Mobiele telefonie
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 70
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Netflix
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 15
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Sportclub
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 20
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Wegenbelasting
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 30
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Verzekeringen
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 60
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"|Kinderopvang
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 300
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"|'''Totaal Vaste lasten'''
| style="width: 164px;" data-mce-style="width: 164px;"|<br />
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|'''€ 2.045'''
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"|Leefgeld
| style="width: 164px;" data-mce-style="width: 164px;"| 
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 300
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"|<br />
| 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;"|Reservering onvoorziene uitgaven
| style="width: 164px;" data-mce-style="width: 164px;"|<br />
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|€ 100
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"| 
| style="width: 59px;" data-mce-style="width: 59px;"| 
| style="width: 164px;" data-mce-style="width: 164px;"| 
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"| 
| style="width: 10px;" data-mce-style="width: 10px;"| 
| style="width: 309px;" data-mce-style="width: 309px;"| 
| style="width: 79px;" data-mce-style="width: 79px;"| 
|-
| style="width: 21px;" data-mce-style="width: 21px;"|'''Totaal uitgaven'''
| style="width: 59px;" data-mce-style="width: 59px;"|<br />
| style="width: 164px;" data-mce-style="width: 164px;"|<br />
| style="width: 105px; text-align: right;" data-mce-style="width: 105px; text-align: right;"|'''€ 2.445'''
| style="width: 10px;" data-mce-style="width: 10px;"|<br />
| style="width: 309px;" data-mce-style="width: 309px;"|'''Totaal Inkomsten'''
| style="width: 79px;" data-mce-style="width: 79px;"|'''€ 2.715'''
|}
De [[Afloscapaciteit|afloscapaciteit]] bedraagt in dit geval € 2715-€ 2445 = € 270. De volgende stap is het opstellen van het [[Schuldenoverzicht|schuldenoverzicht]].


gas Water/maand


Een versie voor eigen gebruik kun je [http://wiki.broer.us/Supportfiles/BSSplan.xlsx hier] downloaden.
{{!}} 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


{{!}} style="width: 103px; text-align: right;" {{!}} € 81
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} t mobile ab. mieke +
{{!}} style="width: 103px; text-align: right;" {{!}} 106
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} extra kosten t mobile
{{!}} style="width: 103px; text-align: right;" {{!}}
<br>
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} T mobile abb. kids
{{!}} style="width: 103px; text-align: right;" {{!}} € 20
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} T mobile abb. kids


{{!}} style="width: 103px; text-align: right;" {{!}} €20
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} ANWB fiets/brommer




Zie ook[[schuldregeling]]
verzekeringen


{{!}} style="width: 103px; text-align: right;" {{!}} € 60
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}} <br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}} Anwb lidmaatschap
{{!}} style="width: 103px; text-align: right;" {{!}} € 18,35
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}}
<br>
{{!}} style="width: 103px; text-align: right;" {{!}}
<br>
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}} '''Totaal Vaste lasten'''
{{!}} style="width: 164px;" {{!}} <br>
{{!}} style="width: 103px; text-align: right;" {{!}} '''€ 2.045'''
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}} Leefgeld
{{!}} style="width: 164px;" {{!}}
<br>
{{!}} style="width: 103px; text-align: right;" {{!}} € 300
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}} <br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}} <br>
{{!}} style="width: 59px;" {{!}} Reservering onvoorziene uitgaven
{{!}} style="width: 164px;" {{!}} <br>
{{!}} style="width: 103px; text-align: right;" {{!}} € 100
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}}
<br>
{{!}} style="width: 59px;" {{!}}
<br>
{{!}} style="width: 164px;" {{!}}
<br>
{{!}} style="width: 103px; text-align: right;" {{!}}
<br>
{{!}} style="width: 12px;" {{!}}
<br>
{{!}} style="width: 309px;" {{!}}
<br>
{{!}} style="width: 79px;" {{!}}
<br>
{{!}}-
{{!}} style="width: 21px;" {{!}} '''Totaal uitgaven'''
{{!}} style="width: 59px;" {{!}} <br>
{{!}} style="width: 164px;" {{!}} <br>
{{!}} style="width: 103px; text-align: right;" {{!}} '''€ 2.445'''
{{!}} style="width: 12px;" {{!}} <br>
{{!}} style="width: 309px;" {{!}} '''Totaal Inkomsten'''
{{!}} 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]].


=== Hoeveel Reserveren en hoeveel Afloscapaciteit ===
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'''








'''1 persoon, inkomen per maand zonder toeslagen:'''
{{{!}} class="wikitable"
{{!}}-
{{!}} Inkomen
{{!}} style="text-align: right;" {{!}} € 975
{{!}} style="text-align: right;" {{!}} € 1025
{{!}} style="text-align: right;" {{!}} €1125
{{!}} style="text-align: right;" {{!}} € 1225
{{!}} style="text-align: right;" {{!}} € 1325
{{!}} style="text-align: right;" {{!}} € 1425
{{!}} style="text-align: right;" {{!}} € 1525
{{!}} etc.
{{!}}-
{{!}} Afloscapaciteit
{{!}} style="text-align: right;" {{!}} € 50
{{!}} style="text-align: right;" {{!}} € 50<br>
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 150
{{!}} style="text-align: right;" {{!}} € 250
{{!}} style="text-align: right;" {{!}} € 350
{{!}} style="text-align: right;" {{!}} € 450
{{!}}
<br>
{{!}}-
{{!}} Reservering
{{!}} style="text-align: right;" {{!}} € 0
{{!}} style="text-align: right;" {{!}} € 0<br>
{{!}} style="text-align: right;" {{!}} € 50
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}}
<br>
{{!}}}
'''2 personen, inkomen per maand zonder toeslagen:'''
{{{!}} class="wikitable"
{{!}}-
{{!}} Inkomen
{{!}} style="text-align: right;" {{!}} € 1465
{{!}} style="text-align: right;" {{!}} € 1515
{{!}} style="text-align: right;" {{!}} €1615
{{!}} style="text-align: right;" {{!}} € 1715
{{!}} style="text-align: right;" {{!}} € 1815
{{!}} style="text-align: right;" {{!}} € 1915
{{!}} style="text-align: right;" {{!}} € 2015
{{!}} etc.
{{!}}-
{{!}} Afloscapaciteit
{{!}} style="text-align: right;" {{!}} € 50
{{!}} style="text-align: right;" {{!}} € 50<br>
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 150
{{!}} style="text-align: right;" {{!}} € 250
{{!}} style="text-align: right;" {{!}} € 350
{{!}} style="text-align: right;" {{!}} € 450
{{!}}
<br>
{{!}}-
{{!}} Reservering
{{!}} style="text-align: right;" {{!}} € 0
{{!}} style="text-align: right;" {{!}} € 0<br>
{{!}} style="text-align: right;" {{!}} € 50
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}} style="text-align: right;" {{!}} € 100
{{!}}
<br>
{{!}}}


==Naar stap 2: het schuldenoverzicht==
De volgende stap is een overzicht van de achterstanden te maken. Klik daarvoor [[Schuldenoverzicht|hier]]




Regel 195: Regel 368:




 
Zie ook: [[Schuldenoverzicht]], [[Schuldregeling]], [[Overzicht van het vaste lasten schema |Vaste Lasten Schema ]] en[[Budget-, schuldenplan voor eigen gebruik|Excel versie voor eigen gebruik]]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Het budgetplan geeft overzicht van in komsten en uitgaven op basis waarvan geleefd (kan) gaan worden:
{| class="wikitable" style="border-collapse: collapse;table-layout:fixed;width:500pt" border="0" width="666" cellspacing="0" cellpadding="0"
|- class="xl64" style="height:21.0pt"
| class="xl74" style="height:21.0pt;mso-ignore:  colspan;width:204pt" colspan="3" width="272" height="28"|Uitgaven
| class="xl76" style="width:63pt" width="84"| 
| class="xl75" style="width:49pt" width="65"| 
| class="xl64" style="width:7pt" width="9"| 
| class="xl74" style="width:112pt" width="149"|Inkomsten
| class="xl75" style="width:65pt" width="87"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl82" style="border-left:none" colspan="2"|vaste lasten
| class="xl70" style="border-top:none;border-left:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68"| 
| class="xl65" style="border-top:none"| 
| class="xl66" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Huur/hypotheek
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>800
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"|Salaris
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>2.400
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Energie
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>100
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"|Zorgtoeslag
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>50
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Water/maand
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>30
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"|Kinderbijslag /maand
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>65
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Zorgverzekering
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>270
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"|Kinderopvang
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>200
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Gemeentebelastingen
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>80
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Aflossing schuld
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>200
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Internet
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>70
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Mobiele telefonie
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>70
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Netflix
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>15
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Sportclub
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>20
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Wegenbelasting
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>30
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Verzekeringen
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>60
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"|Kinderopvang
| class="xl70" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>300
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl77" style="mso-ignore:colspan;border-right:.5pt solid black" colspan="2"|Totaal
Vaste lasten
| class="xl70" style="border-top:none;border-left:none"| 
| class="xl71" style="border-top:none;border-left:none"|€ 2.045
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"|Leef<span style="display:none">geld</span>
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl70" style="border-top:none;border-left:none"| 
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>300
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl83" style="border-right:.5pt solid black;  height:16.0pt" colspan="3" height="21"|Reservering onvoorziene uitgaven
| class="xl70" style="border-top:none;border-left:none"| 
| class="xl71" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>100
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:16.0pt"
| class="xl65" style="height:16.0pt;border-top:none" height="21"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl63" style="border-top:none;border-left:none"| 
| class="xl70" style="border-top:none;border-left:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
| class="xl68" style="border-top:none"| 
| class="xl65" style="border-top:none"| 
| class="xl71" style="border-top:none;border-left:none"| 
|- style="height:17.0pt"
| class="xl79" style="height:17.0pt;mso-ignore:colspan;  border-right:.5pt solid black" colspan="3" height="23"|Totaal uitgaven
| class="xl72" style="border-top:none;border-left:none"| 
| class="xl73" style="border-top:none;border-left:none"|€ 2.445
| class="xl69" style="border-top:none"| 
| class="xl67" style="border-top:none"|Totaal Inkomsten
| class="xl73" style="border-top:none;border-left:none"|€<span style="mso-spacerun:yes">
</span>2.715<!-- [if supportMisalignedColumns]-->
|- style="display:none"
| style="width:31pt" width="41"| 
| style="width:27pt" width="36"| 
| style="width:146pt" width="195"| 
| style="width:63pt" width="84"| 
| style="width:49pt" width="65"| 
| style="width:7pt" width="9"| 
| style="width:112pt" width="149"| 
| style="width:65pt" width="87"|<!--[endif]-->
|}
Overgenomen van "https://schuldhulphulp.nl/wiki/index.php?title=Speciaal:MobielVerschillen/882...6389"