SOCIETY. INTEGRATION. EDUCATION Proceedings of the International Scientific Conference. Volume IV, May 22 th -23 th , 2020. 366-375 © Rēzeknes Tehnoloģiju akadēmija, 2020 http://dx.doi.org/10.17770/sie2020vol4.5004 SOCIĀLO DARBINIEKU UN RISKAM PAKĻAUTO JAUNIEŠU PERSONĪGO FINANŠU PĀRVALDĪBAS VAJADZĪBAS Personal Financial Management Needs of Social Workers and Young People at Risk Anna Vintere Latvia University of Life Sciences and Technologies, Latvia Abstract. Social exclusion is widely recognized as having a lasting negative impact on quality of life and future opportunities. Many young people live in families at risk of poverty. One of the causes of social exclusion is the inability to manage personal finances. Social workers working with these young people may not always be able to help, as they often do not have sufficient knowledge on how to properly consult young people on their personal financial issues. In order to find out the needs of personal financial management, a case study involving social workers and young people from social exclusion groups was carried out with the financial support of Nordplus Horizontal programme. This article analyses data from a Latvian survey that reveals main reasons causing personal financial management problems, as well as ways to overcome them. The study also answers the question of what knowledge and skills, as well as methodological materials, are needed by social workers to support young people at risk and to develop their personal financial management skills. Keywords: budgeting, financial management, money-saving skills, personal finances. Ievads Introduction Mūsdienās arvien svarīgāka kļūst spēja un zināšanas pārvaldīt personīgās finanses. To nosaka pasaules ekonomikas svārstības, pieaugoša inflācija, bezdarbs, ienākumu līmeņa samazināšanos u.c., kas apdraud indivīdu dzīves un darba kvalitāti (Taft, Hosein, Mehrizi, & Roshan, 2013). Katram cilvēkam ir ļoti svarīgi uzņemties atbildību un kontroli pār savu naudu, kas ietver ne tikai personīgo vai ģimenes budžeta veidošanu, bet arī uzkrāšanu un ietaupījumu veidošanu, ieguldījumus labākas nākotnes labā, finansiālo neatkarību, parādu pārvaldību un citus aspektus, kas saistīti ar personīgajām finansēm u.c. Personīgo finanšu pārvaldība tiek definēta kā ienākumu kontroles un izdevumu organizēšanas process, izmantojot detalizētu finanšu plānu (Munohsam, 2015). Tai ir izšķiroša loma, ļaujot cilvēkiem pieņemt finanšu