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• The Encouragement of Household Savings

  61-70

  Annamária Horváthné Kökény

  Ádám Bálint

  Petra Kulcsár

  Gabriella Oravecz

  Views:

  79

  Savings are important not only for the individual, but also for the macro economy because the macro economy can only finance expansion investments from savings. Savings constitute an important element in the development of lending activity. However there is a connection between the development of income and savings. Our research team examined the importance and the role of savings and self-care for households considering the current difficult economic and financial situation. Currently a primary research is being carried out in the form of a questionnaire in the course of which households are asked about their saving habits and assets structure.

• An economic study of a solar collector investment project with specific aspects of energy saving

  121-124

  Zsolt Hollósy

  Nóra Hegedűsné Baranyai

  Arnold Gór

  Views:

  116

  The energy saving properi es of an exisi ng solar collector investment has been assessed based on factual data and stai si cal methods. The seasonality of electricity, water and gas consumpi on has been determined. The number of guest nights, the electricity and gas consumpi on showed a strong and a moderate correlai on. The costs saved did not live up to the expectai ons, which makes the return indicators signifi cantly worse. The discrepancy may be due to the system being designed to be bigger than reasonable or the great energy loss as well. The lat er may be because of the distance between the collectors and the hot water containers. The system may have calibrai on problems as well. The whole area brings about saving an amount of energy that equals to HUF 851000, which translates into 8788 m3 of natural gas. The decrease of CO2 emission should come to 16.26 t. on an annual average.

• HELP! What should i do? -the lack of financial knowledge in hungarian households

  116-121

  Annamária Horváthné Kökény

  Szabina Horváth

  Views:

  190

  Financial planning, the propensity to save and self-caring habits effect not only the households' financial management, but they effect the economical, political, social and cultural situation of the whole country. The intellectual skills of hungarians are undeveloped, which stems from the lack of financial literacy of individuals. More and more people realize the need for economic and financial knowledge since the 2008 economic crisis, and that the development of financial culture is essential. In our research we examined, how the financial awareness and the willingness to save of individuals and households can be influenced.

• 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.

• Financial Management, the Savings of Life Cycles in Everyday Life

  40-49

  Georgina Brlás

  Views:

  175

  ‘Money rules the world’ (BALYÓ, 2004, p. 3.) – it is an often used slogan which really determines our life. From an early age we realize how essential money is for us. It accompanies all our life. The quality of our life depends on how we can deal with our budget to be able to put aside as well. We can buy all the necessary items for everyday life but we have to manage well in order to be able to achieve our objectives, too. During our life our individual and common goals are also essential. The right and appropriate decisions have a great share in using our money. There is outstanding importance of being conscious, sober-minded, and precise and up-to-date during planning. We have to take into consideration the opinion of all the family members. Decisions need to be made together if possible. In this study we would like to emphasize the role of self-care in different life cycles as well as show the result of our related primary research.