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wiki:ynab-book-de [2015/03/08 14:47]
jan [Out with the Old]
wiki:ynab-book-de [2016/01/04 23:24] (aktuell)
languagebrain
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 von Jesse Mecham von Jesse Mecham
  
-übersetzt ​von der [[https://www.ynabcommunity.de]] +übersetzt ​aus dem Englischen Original unter [[http://www.ynab.com/book/]] von der [[https://www.ynabcommunity.de]]
- +
-Orignialquelle: ​[[http://www.ynab.com/book/]]+
 ==== Einführung ==== ==== Einführung ====
  
 +Ich bin noch nicht verzweifelt genug, um etwas gegen die Umstände zu tun, die mich verzweifeln lassen. ​
 +- Ashleigh Brilliant
  
----- 
  
 +=== Verzweifelt ===
  
-I’m not yet desperate enough to do +Ich hatte gerade mein Sparkonto für einen Verlobungsring geplündert. Einige Tage später stammelte ich den Antrag. Glücklicherweise sagte Julie trotzdem ja.
-anything about the conditions that +
-are making me desperate. +
-- Ashleigh Brilliant+
  
-=== Desperate ===+Es war November 2002 und ich saß an einem Computer in der Unibibliothek (wir hatten beide keinen Computer), ein paar Minuten bevor der Bus zur Arbeit fuhr (wir hatten beide auch kein Auto), und dachte über unsere finanzielle Zukunft nach. Unser Nettoeinkommen würde ungefähr $1200 im Monat sein (für uns beide).
  
- I had just emptied my savings account for an engagement ringA few days later I +Zu allem Übel hatte ich noch sieben Unisemester vor mir, bis ich meinen Master bekommen würdeGlücklicherweise würde Julie ihren Abschluß in den nächsten sechs Monaten machen, im sehr lukrativen Gebiet der Sozialarbeit (Ihr wißt schon -- Investmentbanking,​ aber mit Herz -- der Sarkasmus ist volle Absicht)Ich fühlte mich ein wenig verzweifelt.  
-blundered the proposalLuckilyJulie said yes anyway+ 
- It was November of 2002and there I sat, at a computer ​in the university library ​(between +=== Und Du? === 
-the two of uswe didn’t own a computer), a few minutes before taking the bus to work+ 
-(between the two of uswe didn’t own a car either)wondering about the future of our financial +Ich vermuteDu fühlst Dich ganz ähnlichUnd warum auch nicht? ​ 
-situationOur take-home pay was going to be approximately $1,200 per month (between the + 
-two of us). +Nachdem unsere Geschichte auf dem Campus einer Universität spieltlass uns hier anfangen. Die Kosten für einen Abschluß an einer öffentlichen oder privaten Hochschule (in den USA, d.Ü.) sind zwischen 2000 und 2006 um 29% bzw. 26% gestiegen. ​(Fußnote: "​Average Undergraduate Tuition and Fees and Room and Board Rates Charged for Full-Time Students in Degree-Granting Institutions,​ by Type and Control ​of Institution:​ 1964–65 Through 2005–06."​ National Center for Education Statistics. Sept. 2006. US Dept. of EducationInstitute of Education Sciences. 10 Jan. 2008 <​http://​nces.ed.gov/​programs/​digest/​d06/​tables/​dt06_319.asp>​) 
- To make matters worseI had seven semesters of school left to obtain my master’s + 
-degreeFortunatelyJulie would be finishing her degree ​in the next six months in the very +Wenn wir uns vor Augen führendass die Kosten für die höhere Bildung bereits vor der Jahrtausendwende unglaublich hoch warensind solche Steigerungen nur schwer zu verdauen. 
-lucrative field of social work (you know -- investment banking, but with heart -- sarcasm fully + 
-intended). I felt a bit desperate.+Das Thema wird noch problematischer wenn man daran denktdass man unpraktischerweise die Rechnungen für die Ausbildung genau dann bekommtwenn man sich eigentlich Gedanken über die eigene Altersvorsorge machen sollteWenn wir jetzt noch betrachtendass fast die Hälfte ​(48%aller Beschäftigten Ersparnisse und Investments im Wert von weniger als $25.000 haben (den Wert eines eventuellen Eigenheims nicht mitgerechnet)sieht der Ruhestand plötzlich nicht mehr so sehr nach einem goldenen Herbst aus(Fußnote: MacdonaldJohn. "How Much Money Do Americans Have in Savings, Investments?"​ Employee Benefit Research Institute. 19 Apr. 2007. 10 Jan. 2008 <​http://​www.ebri.org/​pdf/​publications/​facts/​fastfacts/​fastfact041907.pdf>​) 
 + 
 +----
  
-=== You? ===+ Und wir haben noch gar nicht erwähnt, dass ein beträchtlicher Teil dieser "​weniger als $25,000” bereits für eine immer größer werdende Schuldenlast vorgemerkt ist. In 2004 erreichte die durchschnittliche Kreditkartenschuld pro Haushalt $9,312, das bedeutet eine Erhöhung von  116% in den letzten zehn Jahren! (Fußnote: Kelley, Rob. "Debt: Consumers Juggle Big Burden."​ CNN. 10 Oct. 2005. 10 Jan. 2008 <​http://​money.cnn.com/​2005/​10/​07/​pf/​debt/​debtmeasures/​index.htm>​)
  
- I’m going to speculate that you might be having similar feelings. 
- And why shouldn’t you? Since my story’s setting is on a university campus, let’s start 
-there. The cost of obtaining a degree from a public or private institution increased 29 and 26 
-percent respectively,​ from 2000 to 2006.1 
- ​Considering the fact that the pre-2000 price tag for 
-higher education was already staggering, these increases are nothing to shrug off lightly. 
- The issue becomes more problematic when you consider the inconvenient reality that 
-tuition bills start coming about the time you really should be worrying about your own 
-retirement. In light of the fact that nearly half (48 percent) of all workers have total savings and 
-investments (excluding the value of their primary residence) of less than $25,0002, retirement 
-starts to look less than golden. 
- And we’ve failed to mention that a sizable chunk of that “less than $25,000” is earmarked 
-for an ever-increasing debt load. In 2004, the average credit card debt per household reached 
-$9,312, increasing 116% over the past ten years!3 
  As long as I’ve got you feeling upbeat about tuition costs, retirement savings, and the  As long as I’ve got you feeling upbeat about tuition costs, retirement savings, and the
 (your?) debt load, let’s consider health care. In a report issued by the Kaiser Family Foundation (your?) debt load, let’s consider health care. In a report issued by the Kaiser Family Foundation
 we find that, “Since 2001, premiums for family coverage have increased 78 percent, while wages we find that, “Since 2001, premiums for family coverage have increased 78 percent, while wages
-have gone up 19 percent and inflation has gone up 17 percent.”+have gone up 19 percent and inflation has gone up 17 percent.” ​(Footnote: PaloskyCraig, and Larry Levitt. "​HEALTH INSURANCE PREMIUMS RISE 6.1 PERCENT IN 2007, LESS RAPIDLY THAN IN RECENT YEARS BUT STILL FASTER THAN WAGES."​ Kaiser Family Foundation. 11 Sept. 2007. 10 Jan. 2008 <​http://​www.kff.org/​insurance/​ehbs091107nr.cfm>)
- ​Needless to sayit’s not uncommon for things to look a little bleak.+
  
-1 "​Average Undergraduate Tuition and Fees and Room and Board Rates Charged for Full-Time Students in Degree-Granting Institutionsby Type and Control + ​Needless to sayit’s not uncommon ​for things to look a little bleak.
-of Institution:​ 1964–65 Through 2005–06."​ National Center ​for Education Statistics. Sept. 2006. US Dept. of Education, Institute of Education Sciences. 10 Jan. +
-2008 <​http://​nces.ed.gov/​programs/​digest/​d06/​tables/​dt06_319.asp>​. +
-2 Macdonald, John. "How Much Money Do Americans Have in Savings, Investments?"​ Employee Benefit Research Institute. 19 Apr. 2007. 10 Jan. 2008 +
-<​http://​www.ebri.org/​pdf/​publications/​facts/​fastfacts/​fastfact041907.pdf>​. +
-3 Kelley, Rob. "Debt: Consumers Juggle Big Burden."​ CNN. 10 Oct. 2005. 10 Jan. 2008 <​http://​money.cnn.com/​2005/​10/​07/​pf/​debt/​debtmeasures/​ +
-index.htm>​. +
-4 Palosky, Craig, and Larry Levitt. "​HEALTH INSURANCE PREMIUMS RISE 6.1 PERCENT IN 2007, LESS RAPIDLY THAN IN RECENT YEARS BUT STILL FASTER +
-THAN WAGES."​ Kaiser Family Foundation. 11 Sept. 2007. 10 Jan. 2008 <​http://​www.kff.org/​insurance/​ehbs091107nr.cfm>​.+
  
 === Solution === === Solution ===
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  As money came in during the month, it was put into what I called the next month’s  As money came in during the month, it was put into what I called the next month’s
 “Available” bucket. With that feature in place, we could sit down and plan what we wanted to “Available” bucket. With that feature in place, we could sit down and plan what we wanted to
-do with every single one of our dollars1 +do with every single one of our dollars(Footnote: This is Rule One.) Recording spending had been purely reactive. Now we
-. Recording spending had been purely reactive. Now we+
 were gleaning something entirely new and helpful from our budget: the benefits of proactively were gleaning something entirely new and helpful from our budget: the benefits of proactively
 planning. (More on that later.) planning. (More on that later.)
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 coming month. We were able to foresee upcoming expenses that happened less frequently (i.e. coming month. We were able to foresee upcoming expenses that happened less frequently (i.e.
 property taxes, car insurance, life insurance, etc.) and allocate money toward each of those. property taxes, car insurance, life insurance, etc.) and allocate money toward each of those.
-When they came due, the money was there2 +When they came due, the money was there(Footnote: ​This is Rule Two.)
-. +
- +
-1 This is Rule One. +
-This is Rule Two. +
  
 Immediately after we began to plan where our money would be spent we realized that Immediately after we began to plan where our money would be spent we realized that
 things never went exactly according to plan. A tweak of our budget ensured that we could things never went exactly according to plan. A tweak of our budget ensured that we could
-easily roll with the punches and be flexible when overspending ​occurred1 ​.+easily roll with the punches and be flexible when overspending ​occurred(Footnote: This is Rule Three.) ​
  I soon realized it would be useful to track our income. Immediately after deciding to  I soon realized it would be useful to track our income. Immediately after deciding to
 record income and budget it each month, I ran into a problem. Julie and I both had variations in record income and budget it each month, I ran into a problem. Julie and I both had variations in
 our income depending on how much time we could work for the week. Since we hadn’t yet our income depending on how much time we could work for the week. Since we hadn’t yet
 earned the money, we couldn’t know how much we’d have to budget. So we decided to live off earned the money, we couldn’t know how much we’d have to budget. So we decided to live off
-of last month’s income in the current ​month2 ​. This allowed us to know exactly how much we+of last month’s income in the current ​month(Footnote: This is Rule Four.)  ​This allowed us to know exactly how much we
 had to budget at the beginning of every month. had to budget at the beginning of every month.
  We didn’t truly appreciate what we had until I tried to sell it a year and a half later.  We didn’t truly appreciate what we had until I tried to sell it a year and a half later.
- 
-1 This is Rule Three. 
-2 This is Rule Four. 
  
 === Shortfall === === Shortfall ===
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 to [my budget’s] face”, so I was offended that he didn’t think it was the greatest idea--ever. to [my budget’s] face”, so I was offended that he didn’t think it was the greatest idea--ever.
  ​“Wow. It’s really colorful,​” he managed.  ​“Wow. It’s really colorful,​” he managed.
-YouNeedABudget.com 7 “Yeah, well that’s because each category belongs to a certain “master” category. See+ “Yeah, well that’s because each category belongs to a certain “master” category. See
 here? Pink means it’s in the “Personal” category.” If a tone could speak for itself, mine was here? Pink means it’s in the “Personal” category.” If a tone could speak for itself, mine was
 saying, “Duh!” saying, “Duh!”
Zeile 226: Zeile 194:
 important items--retirement contributions,​ tuition saving, and climbing out of debt-- are important items--retirement contributions,​ tuition saving, and climbing out of debt-- are
 sacrificed at the altar of urgency. According to a study done by ACNielsen, one in four sacrificed at the altar of urgency. According to a study done by ACNielsen, one in four
-Americans say they have no extra money. (Burt, Erin. "​Escape the Credit Card Trap." Kiplinger.Com. 6 Oct. 2005. 11 Jan. 2008 <​http://​www.kiplinger.com/​columns/​starting/​archive/​2005/​st1006.htm>​)+Americans say they have no extra money. (Footnote: ​Burt, Erin. "​Escape the Credit Card Trap." Kiplinger.Com. 6 Oct. 2005. 11 Jan. 2008 <​http://​www.kiplinger.com/​columns/​starting/​archive/​2005/​st1006.htm>​)
  
  Using the old method, our money behaves much like a teenager. Unless guided  Using the old method, our money behaves much like a teenager. Unless guided
Zeile 866: Zeile 834:
 increase. This increased quality will lead not only to less stress on you and your marriage, but increase. This increased quality will lead not only to less stress on you and your marriage, but
 also to more money in your pocket. also to more money in your pocket.
-YouNeedABudget.com ​ 
  
 === Buffer === === Buffer ===
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 making payments on last year’s Christmas? making payments on last year’s Christmas?
  I guess I hope you’ll choose a budget over that kind of fun.  I guess I hope you’ll choose a budget over that kind of fun.
-YouNeedABudget.com ​ 
- 
 ==== Choice ==== ==== Choice ====