költségkeretet

Költségvetés is the Hungarian word for budget. It refers to a plan, usually financial, that estimates income and expenses over a specific period. A budget can be personal, for a household, a business, a project, or a government. It serves as a tool for planning, control, and decision-making.

In personal finance, a költségvetés helps individuals track their spending, identify areas where they can save money, and allocate funds towards their financial goals, such as saving for a down payment or paying off debt. Households often create a költségvetés to manage their collective income and expenses, ensuring they can cover essential needs and discretionary spending.

Businesses utilize budgets extensively for financial planning and management. A business költségvetés outlines expected revenues and costs, aiding in resource allocation, performance evaluation, and strategic decision-making. It can be broken down into departmental budgets or project-specific budgets.

Governmental költségvetések are crucial for public administration. They detail expected government revenue from taxes and other sources, and allocate funds for various public services, infrastructure projects, and social programs. The process of creating and approving a government budget is often a significant political undertaking.

Essentially, a költségvetés is a roadmap that guides financial activity, providing a framework for achieving desired outcomes by managing available resources effectively. It promotes financial discipline and allows for proactive adjustments when actual results deviate from the plan.