\nDup\u0103 ce a petrecut \u015fapte ani \u00een sectorul financiar, ajung\u00e2nd s\u0103 ocupe o pozi\u0163ie de senior \u00een cadrul firmei sale, Livingston a str\u00e2ns economii de 2 milioane de dolari. 40% din aceast\u0103 sum\u0103 provine din investi\u0163ii, iar 60% din economii.<\/p>\n
\n“Dac\u0103 nu e\u015fti nevoit s\u0103 munce\u015fti pentru bani atunci po\u0163i face orice”, a spus ea pentru Business Insider. <\/p>\n
\nTotul \u00eens\u0103 nu a \u00eenceput de la zero, Livingston ob\u0163in\u00e2nd un job foarte bun \u00eenc\u0103 de la absolvirea facult\u0103\u0163ii (100.000 de dolari pe an). Totu\u015fi ea nu \u015fi-a cheltuit banii pe lucruri de care nu avea nevoie. Chiar \u015fi c\u00e2nd salariul a \u00eenceput s\u0103 creasc\u0103 ea tot nu a cedat tenta\u0163iilor \u015fi a tr\u0103it frugal, cheltuind banii doar atunci c\u00e2nd era nevoie . Totu\u015fi New York nu este un ora\u015f deloc ieftin<\/p>\n
\nCum a reu\u015fit? Sfaturile tinerei:<\/p>\n
\n1. Identific\u0103 cum se fac cele mai mari cheltuieli. Cele mai mari cheltuieli ale americanilor sunt: chiria, transportul \u015fi m\u00e2ncarea. De\u015fi salariu \u00eei permitea, Livingston a ales s\u0103 locuiasc\u0103 \u00eentr-un apartament unde chiria era de 1050 de dolari (destul de ieftin pentru New York). “\u015etiu c\u0103 alte persoane de v\u00e2rsta mea pl\u0103tesc cu 400-600 de dolari mai mult dec\u00e2t mine. Asta \u00eenseamn\u0103 economii de 7000 de dolari pe an”, a m\u0103rturisit el.<\/p>\n
\n2. Cump\u0103r\u0103 mobil\u0103 second hand<\/p>\n
\n“Pentru c\u0103 sunt foarte mul\u0163i oameni \u00een New York care se mut\u0103 foarte des exist\u0103 mult\u0103 mobil\u0103 care nu este mai veche de 1 an de zile pe pia\u0163\u0103”, spune ea. Livingston a cump\u0103rat mult\u0103 mobil\u0103 prin Craiglist, care au reduceri \u015fi de 50% fa\u0163\u0103 de pre\u0163ul din magazin. “Dac\u0103 nu \u00ee\u0163i place sau nu-l folose\u015fti po\u0163i s\u0103-l vinzi iar foarte repede”.<\/p>\n
\n3. Profit\u0103 de densitatea ora\u015fului<\/p>\n
\nExist\u0103 foarte multe magazine, cafenele, baruri pe fiecare strad\u0103 din New York \u015fi nu trebuie s\u0103 ie\u015fi \u00een ora\u015f la cele mai scumpe localuri, ci po\u0163i g\u0103si unele ieftine. Tot ce trebuie s\u0103 faci este pu\u0163in\u0103 cercetare.<\/p>\n
\n4. G\u00e2nde\u015fte-te la fiecare achizi\u0163ie \u00een termeni de cost pe or\u0103<\/p>\n
\nSfatul num\u0103rul unu al lui Livingston este s\u0103 te g\u00e2nde\u015fti la pre\u0163 \u00een termeni de cost pe or\u0103 sau c\u00e2t timp trebuie s\u0103 munce\u015fti pentru a achizi\u0163iona produsul respectiv. “Dac\u0103 te g\u00e2nde\u015fti la c\u00e2t de mult c\u00e2\u015ftigi \u015fi \u00eempar\u0163i suma la num\u0103rul de ore lucrate ob\u0163ii o sum\u0103 concret\u0103”.<\/p>\n
\nS\u0103 spunem c\u0103 \u00eentr-o or\u0103 c\u00e2\u015ftigi 20 de dolari. Asta \u00eenseamn\u0103 c\u0103 pentru un iPhone de 700 de dolari ai avea nevoie de 35 de ore de munc\u0103. 100 de dolari pentru o ie\u015fire \u00een ora\u015f, 5 ore de munc\u0103. O bluz\u0103 de 40 de dolari, 2 ore de munc\u0103. A\u015fadar, pune\u0163i \u00eentrebarea: Merit\u0103?<\/p>\n
\n“Trebuie s\u0103 realizezi c\u0103 nu conteaz\u0103 doar c\u00e2\u0163i bani economise\u015fti, ci este nevoie s\u0103 faci ca banii s\u0103 lucreze pentru tine”, spune ea. Dac\u0103 renun\u0163i la cafeaua de 5 dolari de la col\u0163 asta \u00eenseamn\u0103 o economie de 1825 de dolari \u00eentr-un an pe care ai putea ob\u0163ine dob\u00e2nd\u0103 \u00eentr-un cont. “Dac\u0103 \u0163ii bani timp de 10 ani \u00eentr-un cont cu o dob\u00e2nd\u0103 de 8% asta \u00eenseamn\u0103 peste 33.000 de dolari”<\/p>\n","protected":false},"excerpt":{"rendered":"
Ca orice persoan\u0103 de 28 de ani, JP Livingston \u00ee\u015fi petrece timpul liber plimb\u00e2ndu-se prin New York City cu c\u00e2inele s\u0103u, se uit\u0103 la filme \u015fi seriale pe Netflix, dar spre deosebire de al\u0163ii t\u00e2n\u0103ra de 28 de ani a ie\u015fit la pensie, scrie Business Insider.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3834],"tags":[236,235,16148,13688,10209,333,80,86,3852,26240],"class_list":["post-146968","post","type-post","status-publish","format-standard","hentry","category-lifestyle","tag-banca","tag-business","tag-caine","tag-iesire","tag-new-york","tag-pensii","tag-refuz","tag-reusita","tag-sfaturi","tag-tanara"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/146968","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=146968"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/146968\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=146968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=146968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=146968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}