Gestionarea și optimizarea cheltuielilor personale

Abstract

Managing and optimizing personal expenses contributes to improving financial balance and reduces the risk of economic instability. However, efficiently managing one's personal budget becomes a challenge in the context of a society marked by high levels of consumption, easy access to credit, and the impact of social pressure – aspects that call for appropriate approaches and effective solutions. The main objective of the paper is to identify categories of expenses, analyze the efficiency of strategies for managing them, and evaluate the influence of technology implementation in optimizing the spending process. The research was conducted using a methodology that combined the study of specialized literature with the application of quantitative and qualitative methods, aimed at detecting spending patterns and measuring the effects of saving strategies. The research highlighted three major categories of expenses: fixed, variable, and periodic. Furthermore, it was found that the careful monitoring of expenses, the creation of a budget tailored to personal needs, and the implementation of modern financial technology tools have a significant impact on improving financial behavior. CZU: 330.567.2; JEL: C89, D10, D19, D50, D59, D69