HOUSEHOLD\u27S SAVINGS PATTERNS IN TIME OF CRISIS

Vpliv globalne krize se pozna pri varčevanju gospodinjstev. Pred krizo so bila gospodinjstva zelo naklonjena varčevanju na kapitalskih trgih ter vzajemnih skladih, v času krize pa je ta delež upadel. Globalna kriza je prinesla brezposelnost, pomanjkanje finančnih sredstev, otežila je odplačevanje obstoječih kreditov. Da bo v prihodnje lažje prebroditi takšno obdobje je dobro razmisliti o varčevanju. Želja vsakega posameznika in gospodinjstva je, da bi bilo naše življenje lagodno in udobno, da bi bili finančno preskrbljeni, imeli finančno zaščito oziroma bili finančno osvobojeni. Vse to je mogoče doseči z oblikovanjem dobrega finančnega načrta. Najti moramo področja, kjer lahko prihranimo in kjer nepotrebno zapravljamo. V pomoč so nam lahko finančni svetovalci, ki imajo izkušnje in znanja na tem področju, vendar odločitev naj bo vedno naša. Možnosti za izbiro naložbe je veliko, npr. delnice, obveznice, vzajemni skladi, naložbena zavarovanja ter bančni produkti. Vsako gospodinjstvo ima svoje prioritete pri varčevanju, nekdo varčuje za socialno varnost, spet drugi za šolanje otrok ali pa za pokojnino. Na odločitev o izbiri naložbe vpliva tudi obdobje življenjskega finančnega cikla, v katerem se gospodinjstva nahajajo. Kot pravi zgoraj navedeni citat Mae West, živimo samo enkrat in prav tako je tudi pri varčevanju pomembno, da so finančni cilji pravilno in realno zastavljeni, kar vodi v dobro zasnovan finančni načrt, le-ta pa nas pripelje do kakovostnega življenjskega standarda.The influence of global crisis is most evident in household saving. Households used capital markets and mutual funds before the global economic crisis hit, but the percentage of households saving in these markets dropped during the crisis. The global crisis caused unemployment, lack of financial funds and made paying off credits difficult. In order to prepare for future instabilities, it is important to think about savings plans. Every individual and household wishes to have a comfortable and prosperous life. They want to be financially secure and free of any debt. All this may be obtained with a well-devised financial plan. We need to find areas where we can save money and where money is unnecessarily spent. Financial advisers that are experienced in this field can be of great assistance, but the final decision should always be ours. There are many investment opportunities, e.g. stocks, bonds, mutual funds, unitised insurance funds and bank products. Every household has its own priorities in regard to saving. Some save for social security, while others save for their children’s education or their own pension. The financial life cycle of households has a great impact on the decision households make when investing for their future. As the quote by Mae West states, we only live once and should, therefore, set feasible financial goals which are the basis of a well-formed financial plan that ensures us a quality living standard