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• Financial Planning in Diff erent Household Life Cycles

  5-15

  Annamária Horváthné Kökény

  Bálint Ádám

  Róbert Csajbók

  Lili Komláti

  Views:

  55

  Households are characterised by diff erent life cycles with diff erent income structures and expenses. They have to be considered and planned in ti me, so that their fi nancial background can be ensured. Regarding effi ciency households are able to make their opti mal choices from diff erent alternati ves on the basis of their own system of objecti ves. In many cases households are unable to make these eff ecti ve decisions, which is usually due to the low level of their fi nancial culture. There are certain points in people’s lives when it is useful to have a large amount of savings. One of these points is the old age when people cannot earn a suffi cient amount of money. The other one takes place when someone starts his or her career or a family and when they make a living so as to be able to support themselves. One alternati ve of household life cycles is to set up their own business and operate it. Even during the operati on of  interprises we can diff erenti ate several life cycles. Households taking up enterprises are usually able to plan the necessary fi nancial background to launch their businesses and to prepare business plans for a profi table operati on as well as adjust them to changes, which is not an easy task. In our research we write about savings and we describe their roles in given life cycles. This writi ng includes some important elements of our research.

• THE FAMILY HOUSING ALLOWANCE AND THE EFFECTS EXPECTED

  55-63

  Flóra Tóth

  Annamária Horváthné Dr. Kökény

  Views:

  281

  In every field of the economy, like housing, state regulations play an important role. The role of state regulations is shown by the Family Housing Allowance (CSOK) as a governmental influential tool, which means development for several families with a faster administration and with favourable terms. We used primary and secondary research as well to present our findings in this article. Our questionnaire-based survey primarily focuses on the examination of the acquaintance level of the CSOK among the Hungarian residents, the motivationial level to participate in the programme and the effects and the results of the CSOK.