Personal finance
Free Junior Cycle Business Studies notes for Personal finance. Browse 11 topics and read online without an account.
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1. 1 Needs & WantsThis topic explores the difference between essential needs and non-essential wants, the personal resources used to achieve them, and the wider consequences…1. 2 Income & ExpenditureIncome is the money a person receives, while expenditure is the money spent on day-to-day needs and wants.1. 3 Financial LifecycleThe personal financial lifecycle tracks how a person's financial needs, wants, and sources of money change over time.1. 4 Personal TaxesPersonal taxes are compulsory charges paid by individuals to the Revenue Commissioners to fund public services and infrastructure.1. 5 Saving & BorrowingSaving means setting aside income for future needs, while borrowing means receiving money now that must be repaid with interest.1. 6 InsuranceInsurance provides financial protection against unexpected personal and property losses by pooling risk across many policyholders.1. 7 Consumer Rights & ResponsibilitiesA consumer buys goods or services for personal use rather than for resale.1. 8 Consumer AgenciesThis topic covers how State agencies, ombudsmen, and financial institutions support consumers in Ireland.1.10 GlobalisationGlobalisation describes how countries, businesses, and people connect through the exchange of goods, services, ideas, and technology.1.11 Understanding PayUnderstanding pay covers how workers earn income, how employment taxes are calculated in Ireland, and how to read a wage slip.1.12 BudgetsA budget is a written plan that tracks expected income and planned spending over a future period.
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