scholarly journals Become Captain of Your Financial Ship, Unit 3: Standing Watch

EDIS ◽  
2007 ◽  
Vol 2007 (2) ◽  
Author(s):  
Josephine Turner
Keyword(s):  
Financial Management ◽  
Debt Management ◽  
Money Management ◽  
Slide Presentation ◽  
Credit Report

FCS7223, a 32-page curriculum by Josephine Turner, is Unit 3 in a series on personal financial management. It includes a slide presentation, money management newsletters, credit report request forms, fact sheets, and worksheets on debt management and debt dangers, using credit, and how to request a credit report. Published by the UF Department of Family, Youth and Community Sciences, January 2007. Ask IFAS: Become Captain of Your Financial Ship curriculum (ufl.edu)

scholarly journals Become Captain of Your Financial Ship, Unit 1: Charting the Course

EDIS ◽  
2007 ◽  
Vol 2007 (2) ◽  
Author(s):  
Josephine Turner
Keyword(s):  
Financial Management ◽  
Money Management ◽  
Net Worth ◽  
Slide Presentation ◽  
Fact Sheet

FCS7221, a 27-page curriculum by Josephine Turner, is Unit 1 in a series on personal financial management. It includes a slide presentation and a fact sheet and set of worksheets on money management that will help consumers understand their goals, their net worth, and their spending habits, and then develop a spending plan. Published by the UF Department of Family, Youth and Community Sciences, January 2007. Ask IFAS: Become Captain of Your Financial Ship curriculum (ufl.edu)

scholarly journals Become Captain of Your Financial Ship, Unit 4: Stay the Course

EDIS ◽  
2007 ◽  
Vol 2007 (2) ◽  
Author(s):  
Josephine Turner
Keyword(s):  
Consumer Protection ◽  
Financial Management ◽  
Slide Presentation

FCS7224, a 34-page curriculum by Josephine Turner, is Unit 4 in a series on personal financial management. It includes a slide presentation and information on consumer protection and regulations, such as those relating to credit identify theft and protection against consumer fraud, as well as information on garage sales, store sales, and warranties. Published by the UF Department of Family, Youth and Community Sciences, January 2007. Ask IFAS: Become Captain of Your Financial Ship curriculum (ufl.edu)

scholarly journals FACTORS OF GROWTH OF THE EFFICIENCY OF PUBLIC DEBT MANAGEMENT

2021 ◽  
pp. 5-11
Author(s):  
M. E. Kosov
Keyword(s):  
Public Debt ◽  
Financial Management ◽  
The State ◽  
Debt Management ◽  
Macroeconomic Factors ◽  
The Public ◽  
Correlation And Regression Analysis ◽  
Public Financial Management ◽  
Public Debt Management ◽  
Debt Policy

Public debt is an integral part of public finances of various countries, the process of its management, including formation, maintenance and repayment has a powerful impact on the macroeconomic system of the state. The subject of the study is the public debt of the Russian Federation. The article performs a correlation and regression analysis of factors that have a direct impact on the state of the Russia’s public debt under the conditions of the restrictions caused by the Covid-19 coronavirus infection, as well as the consequences of these restrictions. The paper proposes an econometric model that describes a system of indirect macroeconomic factors that are not directly related to the state’s debt policy, but show the strongest influence on the formation of public debt in modern realities and increase the efficiency of its management, as well as reflect the quality of public financial management in general. The author concludes that the demographic burden and the indicator reflecting the ratio of the budget deficit to the total budget revenue have the greatest impact on the effectiveness of public debt management.

scholarly journals Divergent Gender Revolutions: Cohort Changes in Household Financial Management across Income Gradients

2021 ◽  
pp. 089124322110369
Author(s):  
Yang Hu
Keyword(s):  
Gender Equality ◽  
Gender Inequality ◽  
Financial Management ◽  
Gender Relations ◽  
Money Management ◽  
Couple Relationships ◽  
Male Control ◽  
Back Seat ◽  
High Earning ◽  
Nationally Representative

The ways in which partners manage their money provide important clues to gender inequality in and the nature of couple relationships. Analyzing data from nationally representative surveys ( N = 11,730 couples), I examine changes across British cohorts born between the 1920s and 1990s in their household financial management, and how the changes vary across individuals and couples occupying differential income positions. The results show divergent, nuanced cohort trends toward gender equality in couples’ money management. Across successive cohorts of low-earning women, there has been a subtle relaxation in the form of male control, reflected in a decrease in the proportion of men adopting “back-seat” management by retaining the majority of the couple’s money while delegating the chore of managing daily expenses to their partners. By contrast, the empowerment of high-earning women is reflected primarily in an individualization of financial management, evident in a cohort decrease in joint financial management and an increase in independent management. The trend of individualization is particularly prominent among couples in which both partners have equally high earnings. The findings provide new insights into and important extensions of the theorization of gender relations in and the individualization of couple relationships.

scholarly journals METHODOLOGICAL SUPPORT FOR THE FINANCIAL RESOURCES MANAGEMENT OF AN ENTERPRISE

2021 ◽  
Vol 2 (37) ◽  
pp. 244-251
Author(s):  
L. Obolentseva ◽  
V. Tretyak ◽  
I. Ternova ◽  
І. Sеgеdа ◽  
A. Shved
Keyword(s):  
Risk Management ◽  
Financial Management ◽  
Management System ◽  
Debt Management ◽  
Financial Resources ◽  
Financial Risks ◽  
Resources Management ◽  
Economic Entity ◽  
Wide Range ◽  
Definition Of

Abstract. The article suggests methodological support for the management of financial resources of domestic enterprises based on the definition of the key issues of financial management and its adaptation to existing economic conditions. It has been found out that for the construction of an effective system of financial resources management, it is advisable to take into account the following requirements: the existence of causal relationships between the elements of the system; dynamism, ability to change the qualitative state; possession of a parameter, the influence of which makes it possible to change the course of the economic process. It has been noted that when developing a budgeting system at an enterprise, it is always necessary to take into account the main limiting factors affecting the financial activity of an economic entity from which the budget calculation should begin. Determination of the preliminary set of budget indicators has been identified as the main task of designing a comprehensive budgeting system as a component of the financial resource management system. In order to guarantee the use of effective indicators by all participants in this process, it is necessary to simultaneously apply the principles of design «top-down» and «bottom-up». It has been pointed out that debt obligations are currently a big problem for domestic enterprises. The proposed methods of debt management allow managing the financial resources of the entity based on the definition of key positions of financial management. It has also been mentioned that one of the most important elements of the financial resources management system of an enterprise is risk management, which becomes an integral element and a subsystem of the strategic management of an economic entity. In turn, one of the most important elements of the risk management system in an enterprise is the assessment of financial risks. It has been noted that modern enterprises have the opportunity to use a wide range of methods for assessing financial risks, among which are such clusters of methods as statistical, analytical and expert. The conclusion has been made that in conditions of economic and social instability, economic entities should pay special attention to an integrated system of budgeting and risk management, since at present these two areas are the most important components of the effective management of financial resources of an enterprise. Keywords: financial resources management, enterprise, methodological support, assessment, level. JEL Classification M11, M31 Formulas: 9; fig.: 3; tabl.: 1; bibl.: 10.

scholarly journals The Habit of Savings among College students

2020 ◽  
pp. 38-43
Author(s):  
David Doe Fiergbor
Keyword(s):  
College Students ◽  
Financial Literacy ◽  
Financial Management ◽  
Economic Value ◽  
Money Management ◽  
Wealth Creation ◽  
Management Skills ◽  
Management Plans ◽  
Key Money ◽  
To Come

It is not easy to come by money however, money can easily ‘leave' one's possession if not properly managed. Money management skills are therefore important skills for life especially in the youthful days as wealth creation is not entirely about how hardworking an individual is but factors such as his/her ability to understand how money works and apply its management principles are of essence. Savings play an integral aspect of an individual’s financial management skills since it is the bedrock of personal financial success. Savings is not just about setting money aside for future use but also has to do with keeping anything of economic value. Savings are securing assurance today for tomorrow's uncertainties. This paper sought to examine the habit of savings among the college students. The result indicated that the majority of the college students do not save as a result of certain contributory factors such as meager salaries and economic hardships. Also, the majority of the college students do not have definite financial management plans such as savings as a result of inadequate financial literacy. The study concluded on the need for public education on key money management skills such as savings which is a recipe for wealth creation.  

School District Budgeting and Financial Management in the United States

Education ◽  
2020 ◽  
Author(s):  
Vincent Reitano
Keyword(s):  
United States ◽  
Public Education ◽  
School District ◽  
School Districts ◽  
Financial Management ◽  
The United States ◽  
General Purpose ◽  
Debt Management ◽  
Budget Process ◽  
Financial Condition

In the United States, school districts operate as a type of special purpose local government. Similar to general purpose governments, school districts are funded by own-source and intergovernmental revenues, although there is considerable variation in their revenue mix, contingent in part upon state-funding formulas. Unlike general purpose governments, school districts focus on the provision of public education to facilitate student learning, and therefore, expenditures are primarily relegated to teacher, support staff, and administrator salaries and benefits. Ensuring the provision of public education begins in part with the budget process. The school district budget process can assume different forms from incremental to rational and may involve a range of stakeholders, including elected officials and members of the public. Incremental budgeting begins with the prior-year budget and small upward increments, while alternatives can be based on rational decision-making theories, such as performance budgeting or zero-based budgeting. Despite these different potential budgeting methods, systematic evidence of their implantation in school districts is generally unavailable. As a complement to the budget process, school districts are also involved in financial management, which involves the strategic analysis of financial condition in the pursuit of financial resiliency and sustainability. In particular, school district budgeting and financial management involves strategically planning for and responding to internal and external trends to ensure continued public service provision in the form of public education. As a growing area of research, school district budgeting and financial management encompasses topics such as budget forecasting, financial condition analysis, optimization of fiscal reserves over the business cycle, and debt management, among other topics.

Financial Literacy and Retirement Planning in Sakon Nakhon Province, Nakhon Phanom Province and Mukdahan Province

2020 ◽  
Vol 11 (1) ◽  
pp. 18-18
Author(s):  
Tatiyaporn SIRISAKDAKUL ◽  
Butsakorn KHORNJAMNONG
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Retirement Planning ◽  
Financial Knowledge ◽  
Money Management ◽  
Fundamental Factor ◽  
Goods And Services ◽  
Working Age ◽  
Financial Decision ◽  
Thai People

Financial knowledge or financial literacy is a crucial and fundamental factor for people's living so that they are able to survive with quality but without debts. As money is used as a medium for exchange of either goods or services, people in need of carrying out any activities involving goods and services necessarily depend on money. Unfortunately, Thailand does not emphasize on providing financial knowledge to people, namely understanding financial disciplines, plans and effective money management, for good financial decision and stability. According to a survey of the Bank of Thailand (2019), many Thai people are in debts quite early and tend to be unable to pay back for their debts punctually. This is a point that reflects their lack of skills on financial management or few financial knowledges, thus resulting in a lot of bad debts among those who lack such knowledge. Keywords: Financial literacy,Retirement Planning,Working-age people

Economic Institutions for a Resilient Caribbean

2021 ◽  
Keyword(s):  
Monetary Policy ◽  
Financial Management ◽  
Financial Regulation ◽  
Debt Management ◽  
Fiscal Rules ◽  
Economic Institutions ◽  
Financial Systems ◽  
Sovereign Wealth Funds ◽  
Access To Credit ◽  
Fiscal Management

This volume focuses on economic institutions defined as rules and organizational arrangements that, if they govern the design and implementation of fiscal and monetary policies, can better align those policies with long-run citizen interests. Specifically, the economic institutions covered are those that promote more sustainable fiscal management, adequate implementation of monetary policy, and more resilient financial systems. On fiscal management, the book covers public revenue administrations, public financial management systems, public debt management institutions, fiscal rules, medium-term fiscal frameworks, independent fiscal councils, and the design features of sovereign wealth funds. While pension schemes are not a fiscal institution, they are also analyzed because of the fiscal burden and contingencies that these systems may entail. In terms of institutions that support effective monetary policy, the focus is on the importance of central bank independence and transparency. On financial systems, the book analyzes the relevance of financial regulation and supervision to promote more stable and efficient markets that are better suited to confront challenges and more resilient against external shocks. Some institutional enhancements that foster access to credit and deeper financial systems are also analyzed.

Behind Closed Doors: Older Couples and the Gendered Management of Household Money

2012 ◽  
Vol 12 (1) ◽  
pp. 163-174 ◽  
Author(s):  
Dinah Bisdee ◽  
Tom Daly ◽  
Debora Price
Keyword(s):  
Financial Management ◽  
Age Groups ◽  
Later Life ◽  
Well Being ◽  
Older Age ◽  
Money Management ◽  
Older Couples ◽  
Financial Decisions ◽  
The Face ◽  
Control And Management

As couples survive longer and live together into older age they face many issues of financial management, including daily money management on reduced and/or reducing income, and paying for care or the additional costs of disability. Yet household money management is highly gendered, especially for older age groups. This has implications for the ability of women, particularly, to manage financial decisions in the face of their partner's illness, or widowhood, as well as for their autonomy and well-being. We analyse in depth qualitative data from forty-five older couples across the socio-economic spectrum to show that women have varying emotional responses to money management in coupledom: ‘accepters’ who accept financial inequality and dominance by their husbands, ‘resenters’ who recognise these inequalities but resent them, and ‘modifiers/resisters’ who retain financial independence and power within their relationships. It is only the latter group, who have long histories of financial control and management, who are well placed for financial management and decisions in later life. By recognising the implications of different types of couple relationship, policies can be better designed to assist those navigating money in later life.

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