Kinnisvara kus sa ise elad ja auto millega sa ise sõidad on finantsKOHUSTUSED

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Mis on suurim takistus Eesti alustavale ettevõtlusele? Riigimaksud? Vähesed toetused? Halb infrastruktuur? Vähene riskikapital? Kõik need ka, aga arvatavasti suurim probleem on mujal. Suurimaks probleemiks on .... meie tublimate tegijate isiklikud võlakohustused. Kodulaenud, autolaenud, krediitkaardilaenud. Kui me satume mõne hea äriidee peale, siis... me ei saa seda teostada, sest järgmine liising vaja maksta, korteri üür vaja tasuda, auto vaja maksta.

Kas olete mõelnud, et miks nii on juhtunud? Lugesin hiljuti Robert T. Kiyosaki ja Sharon L. Lechteri raamatut "Rikas isa, vaene isa" ja seal oli väga huvitavalt lahti seletatud kuidas me sellisesse laenu-töö-oravarattasse koos kogu Lääne-Euroopa ja USA keskklassiga sattusime. Me tegime vea ja arvasime, et meie kodu ja meie asjad on meie personaalsed aktivad. Et võtame laenu, ostame endale asju ja suurendame sellega enda bilanssi ja enda tuluteenimise võimet. Kahjuks see aga nii ei ole. Kõik meie isiklikuks tarbeks ostetud asjade laenud on meie kohustused - nad muudavad igasuguse ettevõtluse alustamise kordades keerulisemaks. Me ju teame, et iga kuu alguses ootavad Swed, SEB, Nordea, Sampo meilt oma. Lisaks tähendavad suurem kodu ning suurem auto ka suuremaid kommunaal ja muid püsikulusid, suuremaid kindlustusmakseid. Teiselt poolt - suurem kodu ja suurem auto - ei too meile mitte midagi rohkem sisse.

Kogu Eesti välisvõlg on kasvanud aastast 2003-2008 kolmekordseks. Jumal tänatud, et praeguseks on kasv peatunud ja finantsiliselt eriti kahjulik autode ostmine kordades vähenenud.

Mõned nõuanded isiklikuks finantsarvestuseks:
- Aktiva poolele saab arvestada ainult varasid, mis toovad tulusid.
- Kõik varad, mis on isiklikuks tarbeks tuleb kajastada bilansiväliselt ehk nemad tulutootmises ei osale.
- Kõik laenud - ka bilansiväliste kirjete omad - tuleb aga kajastada passivas.
- Seega enamike inimeste puhul on ainsaks aktiva komponendiks immateriaalne vara ndi teadmiste, töökuse, oskuste, aususe ja tubliduse näol.
- Haridusse tehtud investeeringud on väga head - suurendavad aktivat ehk tulude tootmise võimekust.
- Säästmine on hea - suurendab samuti aktivat ehk tulude tootmise võimekust.

Aga kõik ei ole ju kadunud. Küll need laenud millalgi makstud saab. Peaasi, et uut ära enam võta. :-) Ka on paljud meie tublid keskklassi inimesed jõudnud nii kaugele, et on oma laenu eest ostetud kodus remondi ära teinud ja saavad nüüd pahteldamise asemel õhtuti internetist tarkusi ammutada... ja võib-olla varsti ka mõne targa mõtte najal tegusid tegema hakata.

Nii, et head personaalse bilansi ja kasumiaruande koostamist! Minul on jäänud 3,5 aastat kodulaenu-oravaratast ja pärast selle maksmist ma küll mõnda aega kolida ei viitsi. :-)

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