{"id":211002,"date":"2022-12-12T08:45:00","date_gmt":"2022-12-12T08:45:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=211002"},"modified":"2022-12-12T08:45:00","modified_gmt":"2022-12-12T08:45:00","slug":"ce-ne-mai-place-sa-pierdem-bani","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=211002","title":{"rendered":"Ce ne mai place s\u0103 pierdem bani!"},"content":{"rendered":"\nDe la vaccinuri expirate, panselu\u0163e, borduri \u015fi co\u015furi de gunoi exorbitante sau \u015fepci imprimate cu sigla companiei, la abonamente la sal\u0103 pl\u0103tite pe un an \u015fi folosite pentru doar trei \u015fedin\u0163e sau tone de alimente aruncate (1,3 milioane\/an \u00een Rom\u00e2nia, conform ONU), un lucru e cert: ne-am obi\u015fnuit s\u0103 pierdem bani. \u015ei nu vorbesc doar de rom\u00e2ni. S\u0103 nu uit\u0103m de recenta petrecere \u00een metavers, de sute de mii de euro, cu o m\u00e2n\u0103 de participan\u0163i, organizat\u0103 de Comisia European\u0103.<\/p>\n
\nOri de americanii care cheluie, \u00een medie, 18.000 de dolari anual\/persoan\u0103 pe lucruri neesen\u0163iale (potrivit USA Today). De ce, totu\u015fi, pierdem banii? Personal, am identificat c\u00e2teva motive, dar lista cred c\u0103 poate continua mult. \u00cen primul r\u00e2nd, vorbim de inten\u0163ia ini\u0163ial\u0103, foarte puternic\u0103, pe care cu to\u0163ii o avem c\u00e2nd proiect\u0103m \u00een mintea noastr\u0103 un anumit rezultat. O euforie de moment, care se stinge repede, ca mersul la sal\u0103 doar \u00een luna ianuarie. Apoi, suntem bombarda\u0163i de promo\u0163iile care ne iau ochii, venite la pachet cu iluzia pre\u0163ului mic. Fericit c\u0103 ai g\u0103sit un pachet de servicii la un pre\u0163 imbatabil, te \u201e\u00eenhami\u201d la un abonament pe tot anul \u2013 de sal\u0103, de audiobookuri, de livrare. Da, matematic vorbind \u201eie\u015fi\u201d mai ieftin dac\u0103 achi\u0163i un serviciu pe termen lung, dar dac\u0103 \u00een final ajungi s\u0103 nu \u00eel folose\u015fti la capacitate maxim\u0103, costul ajunge s\u0103 fie mai mare dec\u00e2t dac\u0103 ai fi pl\u0103tit individual. Vorbim totodat\u0103 \u015fi de lipsa corel\u0103rii cu ceilal\u0163i factori.<\/p>\n
\nTot ceea ce facem se interconecteaz\u0103. Dac\u0103 vrei s\u0103 mergi la sal\u0103, dar nu vrei s\u0103 renun\u0163i la pr\u0103jituri \u015fi shaorma, poate ar fi indicat s\u0103 mergi la o \u015fedin\u0163\u0103-dou\u0103 \u00eenainte de a pl\u0103ti 30. Dac\u0103 vrei s\u0103 \u00eenve\u0163i mandarin\u0103, dar nu \u015ftii sigur c\u0103 \u00ee\u0163i va pl\u0103cea\/folosi sau c\u0103 vei avea r\u0103bdarea necesar\u0103, nu pl\u0103ti un curs \u00eentreg de limbi str\u0103ine. Un alt factor din cauza c\u0103ruia pierdem bani l-am numit \u201ecump\u0103r\u0103turile wishful thinking\u201d.<\/p>\n
\n![\"\"](\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5538\/21394955\/2\/cop-869.jpg?height=298&width=250\")
C\u00e2\u0163i nu ne-am cump\u0103rat o chitar\u0103 cu g\u00e2ndul c\u0103 vom \u00eenv\u0103\u0163a c\u00e2ndva s\u0103 c\u00e2nt\u0103m la ea, o hain\u0103 prea mic\u0103, doar pentru c\u0103 nu am g\u0103sit m\u0103rimea potrivit\u0103, pl\u0103nuind s\u0103 sl\u0103bim pentru a o purta sau un set de bartending, g\u00e2ndindu-ne c\u0103 vom \u00eenv\u0103\u0163a s\u0103 facem ni\u015fte cocktailuri mai bune dec\u00e2t la barul preferat. \u00cen plus, ne place s\u0103 procrastin\u0103m. S\u0103 am\u00e2n\u0103m, de exemplu, plata unei amenzi p\u00e2n\u0103 \u00een ultima zi, c\u00e2nd intervine o urgen\u0163\u0103 \u015fi apoi pl\u0103tim penalit\u0103\u0163i. La fel, pl\u0103tim servicii la care nu apel\u0103m, de la asigur\u0103ri de telefoane la abonamente medicale, fie c\u0103 ne pierdem \u00een termeni \u015fi condi\u0163ii sau c\u0103 problema nu suport\u0103 am\u00e2nare, p\u00e2n\u0103 c\u00e2nd furnizorul x sau y ne programeaz\u0103 pentru a o rezolva, \u015fi nu numai. Apoi, de ce nu, lipsa greut\u0103\u0163ilor. E mai u\u015for s\u0103 pierzi bani pe nimicuri c\u00e2nd \u015ftii c\u0103 ai de unde. De\u015fi, dac\u0103 e s\u0103 \u00eei ascult\u0103m pe speakerii motiva\u0163ionali sau pe al\u0163i coaches financiari, i-ai putea \u00eenmul\u0163i, dac\u0103 tot \u00eei ai. \u015ei exist\u0103 aici \u015fi reversul medaliei. Prea multe greut\u0103\u0163i, \u015fi disperarea de a te \u00eembog\u0103\u0163i \u201epeste noapte\u201d, din care se nasc mul\u0163i dintre clien\u0163ii loteriilor\/caselor de pariuri sportive\/cazinourilor. Dar dac\u0103 e s\u0103 tragem linie \u015fi s\u0103 \u00eenglob\u0103m toate aceste motive \u00eentr-unul singur, acesta poart\u0103 un nume clar: lipsa educa\u0163iei financiare. Rom\u00e2nia e pe ultimul loc \u00een Uniunea European\u0103 la capitolul \u201eeduca\u0163ie financiar\u0103\u201d, conform ARB (Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor). Tot la coad\u0103 suntem \u015fi dac\u0103 e s\u0103 ne uit\u0103m doar la regiune.<\/p>\n
\nUn studiu al OECD arat\u0103 c\u0103 Rom\u00e2nia a ob\u0163inut un scor de \u201ealfabetism\u201d financiar de 53% la o medie f\u0103cut\u0103 \u00eentre cuno\u015ftin\u0163ele financiare (49%), comportamentul financiar (56%) \u015fi atitudinea financiar\u0103 (55%), fa\u0163\u0103 de media regiunii SEE: 57% (cu valori de 58%, 57%, respectiv 55% a criteriilor men\u0163ionate), \u00een care au fost incluse date \u015fi din Muntenegru, Macedonia de Nord, Georgia, Bulgaria, Croa\u0163ia \u015fi Republica Moldova. C\u00e2t despre companii, voi \u015fti\u0163i cel mai bine pe ce pierde\u0163i banii, c\u0103 o fi vorba de prea mult personal, pentru c\u0103 ave\u0163i sau sunte\u0163i un lider care nu \u015ftie cum s\u0103 renun\u0163e la angaja\u0163ii care nu aduc plusvaloare, de personalizarea pixurilor cu numele brandului, crez\u00e2nd c\u0103 ve\u0163i fideliza angaja\u0163ii\/clien\u0163ii dac\u0103 v\u0103d numele companiei c\u00e2nd semneaz\u0103 o h\u00e2rtie, plata vreunei amenzi pentru c\u0103 un control inoportun v-a g\u0103sit \u00een neregul\u0103 ori marketingul r\u0103mas f\u0103r\u0103 ecou. Ultimii ani se pare c\u0103 ne-au mai deschis totu\u015fi ochii. Un sondaj recent al BestJobs ne arat\u0103 c\u0103, determina\u0163i de fluctua\u0163iile economice \u015fi de cre\u015fterea infla\u0163iei, 69% dintre angaja\u0163i spun c\u0103 pun bani deoparte, \u00een \u00eencercarea de a se proteja de un viitor economic incert. Jum\u0103tate dintre ei reu\u015fesc s\u0103 \u00ee\u015fi men\u0163in\u0103 regulat obiceiul de a economisi, \u00een timp ce restul redirec\u0163ioneaz\u0103 doar uneori bani c\u0103tre economii. \u015ei, dac\u0103 e s\u0103-i ascult\u0103m pe speciali\u015ftii cita\u0163i \u00een \u201eghidul de criz\u0103\u201d pe care \u00eel pute\u0163i descoperi \u00een paginile urm\u0103toare, economisirea a devenit c\u00e2t se poate de necesar\u0103, pentru c\u0103 viitorul apropiat nu pare tocmai roz. <\/p>\n
\nAndra Stroe, jurnalist, BUSINESS Magazin<\/strong><\/p>\n\n(<\/strong>andra.stroe@businessmagazin.ro<\/strong><\/a>)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"De la vaccinuri expirate, panselu\u0163e, borduri \u015fi co\u015furi de gunoi exorbitante sau \u015fepci imprimate cu sigla companiei, la abonamente la sal\u0103 pl\u0103tite pe un an \u015fi folosite pentru doar trei \u015fedin\u0163e sau tone de alimente aruncate (1,3 milioane\/an \u00een Rom\u00e2nia, conform ONU), un lucru e cert: ne-am obi\u015fnuit s\u0103 pierdem bani. \u015ei nu vorbesc doar […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,7218,512],"tags":[48404,192,82,9879,87,11488,6556],"class_list":["post-211002","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-resurse-umane","category-revista-bm","tag-andra-stroe","tag-angajati","tag-bani","tag-beneficii","tag-opinie","tag-pachete-salariale","tag-personal"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/211002","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=211002"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/211002\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=211002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=211002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=211002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}