\nS\u0103rb\u0103torile de iarn\u0103 continu\u0103 s\u0103 stimuleze consumul, \u00een pofida presiunilor economice asupra veniturilor. Aproape dou\u0103 treimi (63%) dintre rom\u00e2ni spun c\u0103 \u00ee\u015fi cresc cheltuielile de Cr\u0103ciun \u015fi Revelion, procentul ajung\u00e2nd la 80% \u00een r\u00e2ndul Genera\u0163iei Z, potrivit Barometrului Sezoanelor Financiare, realizat de Asocia\u0163ia CFA Rom\u00e2nia cu sprijinul UniCredit Bank.<\/p>\n
\nDatele studiului arat\u0103 c\u0103 sezonul festiv dep\u0103\u015fe\u015fte alte momente tradi\u0163ionale de cump\u0103r\u0103turi, precum Black Friday sau Pa\u015ftele, at\u00e2t ca volum de achizi\u0163ii, c\u00e2t \u015fi ca presiune resim\u0163it\u0103 asupra bugetelor. Dincolo de dorin\u0163a de a oferi cadouri, rom\u00e2nii se confrunt\u0103 cu un flux constant de stimuli comerciali \u2013 de la promo\u0163ii cu termen limitat \u015fi reclame personalizate, p\u00e2n\u0103 la newslettere care promit \u201eultimele reduceri\u201d \u00eenainte de s\u0103rb\u0103tori.<\/p>\n
\nDiferen\u0163ele dintre genera\u0163ii sunt vizibile \u00een modul \u00een care aceste mesaje sunt recep\u0163ionate. Tinerii sunt mai expu\u015fi \u015fi mai receptivi la ofertele personalizate: 64% dintre responden\u0163ii din Genera\u0163ia Z spun c\u0103 se las\u0103 influen\u0163a\u0163i de astfel de mesaje cel pu\u0163in uneori, fa\u0163\u0103 de 57% \u00een r\u00e2ndul Millennials \u015fi 49% \u00een cazul Genera\u0163iei X.<\/p>\n
\nMajoritatea rom\u00e2nilor adopt\u0103, totu\u015fi, o abordare precaut\u0103 fa\u0163\u0103 de ofertele limitate \u00een timp: 46% compar\u0103 pre\u0163urile sau caut\u0103 alternative, iar 36% pun produsele \u00een co\u015f \u015fi decid mai t\u00e2rziu. Doar un procent redus, 8%, cump\u0103r\u0103 imediat de teama de a pierde oferta, comportament mai frecvent \u00een r\u00e2ndul Genera\u0163iei Z, \u00een timp ce 9% ignor\u0103 complet astfel de promo\u0163ii.<\/p>\n
\nMai activi online, tinerii sunt mai bine preg\u0103ti\u0163i s\u0103 identifice riscurile: 64% dintre responden\u0163ii cu v\u00e2rste \u00eentre 18 \u015fi 28 de ani afirm\u0103 c\u0103 au recunoscut \u015fi evitat oferte false sau tentative de fraud\u0103. \u00cen r\u00e2ndul Genera\u0163iei X, nivelul de incertitudine este mai ridicat, 15% dintre responden\u0163i declar\u00e2nd c\u0103 nu sunt siguri dac\u0103 au \u00eent\u00e2lnit astfel de situa\u0163ii. Per total, aproximativ 8% dintre rom\u00e2ni spun c\u0103 au fost victimele ofertelor false sau fraudelor online.<\/p>\n
\n\u201eS\u0103rb\u0103torile pot fi un prilej de a pune \u00een practic\u0103 decizii financiare inteligente: de la economisire \u015fi planificarea responsabil\u0103 a cheltuielilor, p\u00e2n\u0103 la investirea \u00een experien\u0163e \u015fi valori care aduc satisfac\u0163ie real\u0103. Chiar \u015fi \u00een fa\u0163a ofertelor care apar peste tot \u00een aceast\u0103 perioad\u0103, prioritizarea cadourilor care creeaz\u0103 amintiri sau compararea pre\u0163urilor pot transforma sezonul festiv \u00eentr-un proces echilibrat.\u201d, spune Florentina Alm\u0103janu, director general Asocia\u0163ia CFA Rom\u00e2nia.<\/p>\n
\nPotrivit sondajului, peste jum\u0103tate dintre responden\u0163i afirm\u0103 c\u0103 citesc \u015fi \u00eencearc\u0103 s\u0103 aplice recomand\u0103ri legate de gestionarea bugetului, procent care ajunge la 60% \u00een r\u00e2ndul Genera\u0163iei Z. Mul\u0163i rom\u00e2ni \u00ee\u015fi doresc s\u0103 \u00eenve\u0163e s\u0103 recunoasc\u0103 reducerile reale \u015fi s\u0103 evite cump\u0103r\u0103turile impulsive, \u00een timp ce tinerii sunt mai interesa\u0163i de solu\u0163ii concrete pentru economisirea banilor destina\u0163i cadourilor.<\/p>\n
\n\u00cen acest context, Asocia\u0163ia CFA Rom\u00e2nia a publicat un ghid dedicat cump\u0103r\u0103turilor din perioada s\u0103rb\u0103torilor- Abracashdabra de S\u0103rb\u0103tori, care reune\u015fte recomand\u0103ri practice formulate de speciali\u015fti certifica\u0163i CFA, cu scopul de a sprijini decizii financiare mai bine fundamentate \u00eentr-un sezon caracterizat de presiune comercial\u0103 ridicat\u0103. Materialul abordeaz\u0103 at\u00e2t aspecte legate de planificarea cheltuielilor, c\u00e2t \u015fi elemente care \u0163in de gestionarea comportamentului de consum \u00een fa\u0163a ofertelor \u015fi promo\u0163iilor.<\/p>\n
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S\u0103rb\u0103torile de iarn\u0103 continu\u0103 s\u0103 stimuleze consumul, \u00een pofida presiunilor economice asupra veniturilor. Aproape dou\u0103 treimi (63%) dintre rom\u00e2ni spun c\u0103 \u00ee\u015fi cresc cheltuielile de Cr\u0103ciun \u015fi Revelion, procentul ajung\u00e2nd la 80% \u00een r\u00e2ndul Genera\u0163iei Z, potrivit Barometrului Sezoanelor Financiare, realizat de Asocia\u0163ia CFA Rom\u00e2nia cu sprijinul UniCredit Bank. Datele studiului arat\u0103 c\u0103 sezonul festiv […]<\/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":[46399,283,246,164,173,564,7419],"class_list":["post-243194","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-cfa","tag-cheltuieli","tag-crestere","tag-oferte","tag-romani","tag-sarbatori","tag-sondaj"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243194","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=243194"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/243194\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=243194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=243194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=243194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}