{"id":189624,"date":"2021-01-07T17:07:00","date_gmt":"2021-01-07T17:07:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=189624"},"modified":"2021-01-07T17:07:00","modified_gmt":"2021-01-07T17:07:00","slug":"cum-ar-trebui-sa-ne-cheltuim-banii-analist-cheia-este-sa-va-protejati-de-voi-insiva","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=189624","title":{"rendered":"Cum ar trebui s\u0103 ne cheltuim banii. Analist: \u201eCheia este s\u0103 v\u0103 proteja\u0163i de voi \u00een\u015fiv\u0103\u201d"},"content":{"rendered":"<div>\nAnul 2020 a fost unul dificil \u015fi din perspectiva finan\u0163elor personale: mul\u0163i dintre noi am realizat c\u00e2t de util\u0103 ar fi fost economisirea p\u00e2n\u0103 \u00een acel moment \u015fi ne-am g\u0103sit \u00een situa\u0163ia unor cheltuieli neprev\u0103zute: spre exemplu, o ma\u015fin\u0103 pe care am folosit-o mai mult fiindc\u0103 am evitat transportul public, acordarea unui salariu unei persoane care s-a ocupat de preg\u0103tirea copiilor acas\u0103, abonamente la mai multe servicii de streaming care s\u0103 ne fac\u0103 via\u0163a mai bun\u0103 &#8211; acestea \u00een cel mai bun caz &#8211; situa\u0163ia a fost mai dramatic\u0103 \u00een cazul familiilor cu pierderi de locuri de munc\u0103 sau \u00een cazul celor pentru care veniturile nu au fost constante.&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nMul\u0163i dintre noi am con\u015ftientizat c\u00e2t de important\u0103 este economisirea \u015fi ne-am propus s\u0103 facem mai multe \u00een acest sens dec\u00e2t \u00een anii trecu\u0163i. Jurnali\u015ftii de la The New York Times au stabilit o list\u0103 scurt\u0103 care s\u0103 ne ajute s\u0103 economisim mai u\u015for.&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n1. Economisi\u0163i cu scop<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nBrent Weiss, cofondator al firmei de planificare financiar\u0103 Facet Wealth, crede c\u0103 suntem prea vagi c\u00e2nd vine vorba despre scopurile noastre financiare. S\u0103 economise\u015fti mai mult sau s\u0103 cheltui mai pu\u0163in sunt scopuri admirabile, \u00eens\u0103 ar trebui ca de fapt s\u0103 ne concentr\u0103m pe \u201eceea ce vrem s\u0103 realiz\u0103m\u201d, a spus el.&nbsp;<\/div>\n<div>\nVre\u0163i s\u0103 pl\u0103ti\u0163i o anumit\u0103 datorie? S\u0103 construi\u0163i un fond de urgen\u0163\u0103 de economii? S\u0103 v\u0103 planifica\u0163i o c\u0103l\u0103torie la finalul pandemie al\u0103turi de prietenii vo\u015ftri?<\/div>\n<div>\nConstrui\u0163i-v\u0103 anumite obiective, aprecia\u0163i c\u00e2t de mult trebuie s\u0103 economisi\u0163i \u015fi p\u00e2n\u0103 c\u00e2nd. Aceste detalii sunt cheia economisirii a spus analistul citat de The New York Times.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n2. Cump\u0103ra\u0163i ceea ce v\u0103 place<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nAnul trecut am trecut printr-un experiment natural: abilitatea de a cheltui a fost limitat\u0103, astfel c\u0103 am dob\u00e2ndit o dimensiune asupra ceea ce aveam nevoie cu adev\u0103rat \u015fi asupra lucrurilor care nu sunt at\u00e2t de importante. Poate a\u0163i \u00eenv\u0103\u0163at c\u0103 v\u0103 place s\u0103 merge\u0163i la plaj\u0103 mai mult dec\u00e2t z\u0103 zbura\u0163i cu copiii spre o alt\u0103 destina\u0163ie de vacan\u0163\u0103. Poate s\u0103 comanda\u0163i m\u00e2ncare \u00een mai multe zile pe s\u0103pt\u0103m\u00e2n\u0103 v-a ajutat c\u00e2nd avea\u0163i un program foarte aglomerat. Poate vre\u0163i s\u0103 contribu\u0163i \u00een continuare la realiz\u0103rile unei organiza\u0163ii caritabile.&nbsp;<\/div>\n<div>\nDac\u0103 reu\u015fi\u0163i s\u0103 decide\u0163i ce este cu adev\u0103rat important pentru voi, ve\u0163i ajunge s\u0103 cheltui\u0163i mai pu\u0163in pe lucruri de care nu ave\u0163i de fapt nevoie.&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n3. Fi\u0163i aten\u0163i la felul \u00een care v\u0103 stabili\u0163i bugetul<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nIdeea unui \u201esistem bugetar\u201d poate s\u0103 fie intimidant\u0103 &#8211; acum \u00eens\u0103 exist\u0103 chiar \u015fi aplica\u0163ii care v\u0103 pot ajuta s\u0103 face\u0163i acest lucru.&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n4. \u00cencerca\u0163i s\u0103 v\u0103 limita\u0163i accesul la economii<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n\u201eZidurile digitale\u201d sunt destul de accesibile \u015fi este foarte posibil \u201es\u0103 da\u0163i iama\u201d \u00een fondurile voastre pentru o escapad\u0103 post-vaccin. Dac\u0103 face\u0163i aceasta de prea multe ori, s-ar putea s\u0103 ave\u0163i nevoie s\u0103 v\u0103 limita\u0163i instinctele de cheltuieli. Cheia este s\u0103 v\u0103 proteja\u0163i de voi \u00een\u015fiv\u0103. Meir Statman, profesor de finan\u0163e la Universitatea Santa Clara din California, recomand\u0103 s\u0103 v\u0103 face\u0163i economiile greu de accesat din punct de vedere al func\u0163ionalit\u0103\u0163ii. \u201eO modalitate este s\u0103 v\u0103 plasa\u0163i fondurile de urgen\u0163\u0103 \u00eentr-o banc\u0103 aflat\u0103 la cel pu\u0163in o or\u0103 distan\u0163\u0103 \u015fi s\u0103 renun\u0163a\u0163i la cardul cu care v\u0103 pute\u0163i accesa acel cont.\u201d<\/div>\n<div>\n&nbsp;<\/div>\n<div>\n5. Aceea\u015fi regul\u0103 se aplic\u0103 atunci c\u00e2nd vine vorba despre cheltuieli.<\/div>\n<div>\n&nbsp;<\/div>\n<div>\nAtunci c\u00e2nd face\u0163i cheltuieli online, \u00eencerca\u0163i s\u0103 v\u0103 dezactiva\u0163i cartea de credit de la anumite conturi de magazine, astfel \u00eenc\u00e2t s\u0103 v\u0103 limita\u0163i \u015fi aceste cheltuieli. Stabili\u0163i \u00eempreun\u0103 cu partenerul de via\u0163\u0103&nbsp; s\u0103 discuta\u0163i orice achizi\u0163ie nou\u0103 care dep\u0103\u015fe\u015fte un anumit pre\u0163.&nbsp;<\/div>\n<div>\nPoate va fi nevoie de un efort suplimentar, dar ve\u0163i avea o astfel de discu\u0163ie doar atunci c\u00e2nd va fi vorba despre ceva ce v\u0103 dori\u0163i cu adev\u0103rat.&nbsp;<\/div>\n<div>\n&nbsp;<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Anul 2020 a fost unul dificil \u015fi din perspectiva finan\u0163elor personale: mul\u0163i dintre noi am realizat c\u00e2t de util\u0103 ar fi fost economisirea p\u00e2n\u0103 \u00een acel moment \u015fi ne-am g\u0103sit \u00een situa\u0163ia unor cheltuieli neprev\u0103zute: spre exemplu, o ma\u015fin\u0103 pe care am folosit-o mai mult fiindc\u0103 am evitat transportul public, acordarea unui salariu unei persoane [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[82,30159,283,553,13012],"class_list":["post-189624","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bani","tag-caz","tag-cheltuieli","tag-copii","tag-economisire"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/189624","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=189624"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/189624\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=189624"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=189624"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=189624"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}