koduseelarve
Koduseelarve, often translated as household budget, is a plan that documents expected income and planned expenditures for a household over a period, usually a month. It serves to ensure that spending matches income, to build savings, and to reduce debt, while maintaining enough funds for emergencies and goals. It is used by households of all sizes and can be drawn up by individuals, couples, or families.
A typical koduseelarve includes: income sources (salary, benefits, passive income), fixed expenses (mortgage or rent, utilities,
The process usually involves tracking current spending, projecting income, setting short- and long-term financial goals, and
Several budgeting approaches are common, such as zero-based budgeting, where every euro is assigned to a category,
Benefits include improved financial awareness, better control over expenses, enhanced savings, and greater readiness for unforeseen