Cumpatare si cheltuieli – finante personale
Aud multe persoane ce au din pacate probleme financiare. Sunt prietene si prieteni ai mei, sunt proprietari de firme si asa mai departe.
Vad in acelasi timp multa risipa: cheltuieli realizate intr-un moment nepotrivit, lipsa unei prioritizari a modului in care se fac diverse plati. Si nu e doar cazul femeilor: sunt atat de multi barbati mana-sparta!
Tocmai din aceste motive – si poate si pentru ca niciodata nu m-am incadrat in tiparul cheltuitoarei si nici al pasionatei de cumparaturi – am ales sa scriu astazi cateva randuri despre finantele personale si prioritizarea cheltuielilor in speranta ca acestea pot deveni sfaturi de real ajutor pentru unii si ca pot fi completate in comentarii de alte si alte idei care sa ajute la siguranta financiara a tuturor (sau cat mai multor) buzunare.
Lista cheltuielilor obligatorii. Exista un buget disponibil pe luna – salariu sau alte venituri. Se cunosc datele la care acesti bani vin. Primul lucru pentru a asigura o liniste este stabilirea listei de cheltuieli fixe pe luna: intretinere, energie electrica, telefon, cablu, chirie etc. – in functie de cazul fiecarei persoane in parte. Rotunjiti in plus pentru ca doar astfel aveti sansa de a evita anumite probleme si lipsuri ulterioare cand veti remarca faptul ca nu ati pus suma acoperitoare, ci una mai mica. Intotdeauna e mai bine sa va prisoseasca, sa va ramana ceva dupa realizarea platilor decat sa va lipseasca.
Verificati bugetul ramas si incercati sa prevedeti cheltuieli ce pot aparea. S-ar putea sa va doriti sa achizitionati o colectie de carti aparuta cu un ziar. Va permiteti acel cost? S-ar putea ca intr-o anumita luna sa fie ziua unei rude sau a unui prieten, sa aveti un botez sau alte asemenea ocazii oficiale. Se presupune ca pe toate acestea le veti putea prevedea – pe cele personale – sau le cunoasteti in avans – aniversarile, diversele invitatii (nunta etc.). Verificati costurile adiacente impuse: daca tot am vorbit de o nunta ganditi-va nu doar la cat va costa totul, ci si la ce va mai trebuie pe langa (e posibil ca pantofii sa se fi rupt sau rochia de seara sa nu va mai incapa; daca nu aveti cu ce s-o inlocuiti… atunci da, va trebuie una noua. Aveti de unde imprumuta? Va permiteti sa cumparati? – iata cateva intrebari la care trebuie sa va raspundeti cat mai sincer). Ganditi-va si daca veti dori sa iesiti undeva cu prietenii – cate iesiri, buget pentru fiecare etc.
Nu va mai temeti sa spuneti Nu. Un refuz nu este atat de greu de oferit si nimeni nu va tine pistolul la cap atunci cand va invita undeva. Daca stiti ca nu va permiteti sa mergeti (la un concert dar chiar si la o banala cafea) mai bine refuzati decat sa va creati incurcaturi, sa va depasiti plapuma. Acest refuz are legatura cu inca un sfat/intrebare: Aveti nevoie cu adevarat de acel nou ceva? Chiar va trebuie acea noua camasa vazuta in vitrina? Sunt la reducere produsele a, b, c si d. Vi le permiteti? Aveti nevoie urgenta de ele?
Pastrati pe cat posibil o suma de rezerva. Pot aparea oricand cheltuieli neprevazute (pe care nu aveati cum sa le stiti si sa le includeti in cadrul celor de la al doilea punct al acestui material). Trebuie sa aveti bani pentru ele.
Economisiti. Daca va doriti ceva in mod deosebit sa stiti ca este putin probabil sa pice din cer. Strangeti bani incet-incet si va veti simti foarte bine atunci cand va veti permite achizitionarea produsului dorit.
Renuntati pe cat posibil la credite. Sunt situatii cand e nevoie de ele – nu zic nu. Dar atentie in acel caz la cat de multe va faceti si la cat de mare va va fi rata pe luna. Si cardul de credit e tentant – insa puteti sa va treziti ca aveti zeci de mii de lei datorie. Nu e si acesta un credit? Nu va sta pe creier? Alegeti cu grija pentru ce va faceti credit. Chiar merita o vacanta pe credit – pe care sa munciti pana la anul sau mai mult sa o platiti? Desigur aici exemple pot fi multe.
Aceste linii directoare sunt pentru multi fictiune. Pot spune insa ca nu sunt deloc greu de pus in practica. Puteti de pilda sa aveti cu adevarat nevoie de o suma de bani de pe cardul de credit si sa il folositi (cand apare o urgenta) insa apoi in loc sa purcedeti la noi cheltuieli, incercati sa scapati de rata. Va doriti ceva ce toti au acum? Intebati-va intai daca nu cumva e doar marketing, daca nu e doar un moft. Daca aveti cu adevarat nevoie, atunci treceti la economie. Stabiliti-va un scop si urmati-l. Si da, desigur ca trebuie sa va mai faceti cate-un moft, cate-o placere – nimeni nu zice nu. Atentie insa: putina masura in toate n-a stricat nimanui.
Voi va prioritizati cheltuielile?
Traim intr-o perioada in care suntem incurajati sa cheltuim, sa achizitionam produse multe – fie pentru ca avem nevoie de ele acum fie pentru ca poate vom avea nevoie candva, fie pentru ca sunt la reducere si nu se pot refuza, nu?
Cum ramane insa cu masura? Cumpatarea, unde a disparut ea?
Va mai aduceti aminte de vorba aceea cu bani albi pentru zile negre? Va mai aduceti aminte cum e sa economisesti din greu pentru a-ti lua ceva? V-ati gandit vreodata ca in loc de unele dintre minunatiile cumparate s-ar fi putut sa ajutati pe cineva?
Insemnari similare
Thanks a bunch for sharing this with all of us you actually recognize what you’re speaking approximately! Bookmarked. Please also discuss with my web site =). We could have a hyperlink trade contract among us!
great issues altogether, you simply won a new reader. What would you suggest about your publish that you simply made some days ago? Any positive?
Wow! This could be one particular of the most helpful blogs We’ve ever arrive across on this subject. Actually Magnificent. I am also a specialist in this topic so I can understand your effort.
You really make it seem so easy with your presentation but I find this matter to be actually something that I think I would never understand. It seems too complex and extremely broad for me. I am looking forward for your next post, I will try to get the hang of it!
I have been exploring for a little bit for any high quality articles or blog posts in this kind of space . Exploring in Yahoo I finally stumbled upon this web site. Studying this information So i¡¦m happy to convey that I’ve a very just right uncanny feeling I discovered exactly what I needed. I so much indubitably will make sure to don¡¦t forget this site and give it a glance on a relentless basis.
I as well as my buddies ended up analyzing the nice procedures on the blog and instantly I had a horrible suspicion I never expressed respect to you for those strategies. All of the people appeared to be warmed to read through them and have now surely been making the most of these things. Appreciate your genuinely very considerate as well as for using certain decent useful guides most people are really desperate to be informed on. My honest regret for not expressing appreciation to earlier.
I am just writing to make you be aware of what a useful discovery my wife’s princess developed reading your web site. She learned a lot of details, which include how it is like to have a marvelous giving mood to let the others without problems learn various complicated matters. You actually did more than my expectations. Thanks for giving these interesting, dependable, explanatory and also easy tips about the topic to Janet.
I am only writing to make you know what a fabulous experience my friend’s princess found reading through your blog. She came to find a wide variety of pieces, which include how it is like to have an excellent helping character to make other people easily have an understanding of a variety of impossible things. You actually did more than my expectations. Thanks for showing those good, trusted, explanatory and even unique tips about your topic to Ethel.
Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you can do with some pics to drive the message home a bit, but other than that, this is great blog. A great read. I will definitely be back.
Fantastic goods from you, man. I’ve understand your stuff previous to and you are just too excellent. I really like what you have acquired here, certainly like what you are saying and the way in which you say it. You make it enjoyable and you still take care of to keep it wise. I can not wait to read far more from you. This is actually a tremendous site.
Hiya, I’m really glad I’ve found this information. Nowadays bloggers publish only about gossips and net and this is actually frustrating. A good blog with interesting content, this is what I need. Thank you for keeping this site, I’ll be visiting it. Do you do newsletters? Cant find it.
Thanks for any other informative site. Where else may I get that type of information written in such an ideal approach? I’ve a challenge that I’m simply now running on, and I have been at the look out for such info.
I have been absent for some time, but now I remember why I used to love this web site. Thanks , I¡¦ll try and check back more often. How frequently you update your site?
Whats Going down i’m new to this, I stumbled upon this I have found It absolutely helpful and it has aided me out loads. I am hoping to contribute & aid different users like its aided me. Great job.
I wanted to write a simple comment in order to express gratitude to you for all of the marvelous suggestions you are giving out on this website. My long internet search has at the end of the day been rewarded with awesome ideas to share with my family. I would point out that we website visitors actually are extremely lucky to exist in a wonderful website with many outstanding individuals with insightful tactics. I feel very much privileged to have discovered the website and look forward to plenty of more excellent moments reading here. Thanks again for all the details.
It¡¦s really a nice and helpful piece of information. I¡¦m happy that you shared this helpful information with us. Please stay us up to date like this. Thanks for sharing.
I don’t even know how I ended up here, but I thought this post was good. I do not know who you are but definitely you are going to a famous blogger if you are not already 😉 Cheers!
I not to mention my friends have been viewing the best information and facts located on your web site while quickly I had a horrible feeling I never thanked the blog owner for them. The people are actually absolutely very interested to read all of them and have now in truth been making the most of these things. Appreciation for genuinely so accommodating and then for figuring out these kinds of fine guides millions of individuals are really desirous to discover. My honest apologies for not expressing gratitude to you sooner.
I simply couldn’t go away your web site prior to suggesting that I extremely enjoyed the usual info an individual supply to your guests? Is going to be again regularly to check up on new posts
I’m excited to uncover this web site. I wanted to thank you for ones time for this particularly wonderful read!! I definitely really liked every little bit of it and I have you saved to fav to see new information on your website.
You are my intake , I possess few web logs and very sporadically run out from to brand.
Can I simply just say what a relief to uncover a person that truly understands what they are talking about on the internet. You certainly know how to bring an issue to light and make it important. More and more people have to read this and understand this side of the story. I can’t believe you are not more popular given that you surely possess the gift.
I believe this is one of the most significant
information for me. And i am glad studying your
article. But want to commentary on few basic issues, The website style is perfect,
the articles is actually excellent : D. Good process, cheers
Aw, this was an extremely nice post. Finding the time and actual effort to make a really good article… but what can I say… I procrastinate a whole lot and never seem to get nearly anything done.
Oh my goodness! Incredible article dude!
Very good info. Lucky me I recently found your blog by accident (stumbleupon). I’ve book marked it for later!
If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.
Received item fast..smooth transaction
I like the helpful info you provide in your articles. I’ll bookmark your weblog and check again here frequently. I’m quite sure I’ll learn lots of new stuff right here! Best of luck for the next!
You should be a part of a contest for one of the highest quality blogs online. I am going to highly recommend this site!
I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to design my own blog and would like to know where u got this from. cheers
There is definately a lot to find out about this issue. I like all of the points you’ve made.
CeremonyThis is just what it sounds like: a list of guests who will score invites to your wedding if any guests on your A list decline. Here’s how to carry this off without offending anyone. First, send your A list invites out eight to 10 weeks before your event so you have enough time to get responses and move on to the B list. (You don’t want your B listers receiving their invitations suspiciously close to your wedding date!)
Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! However, how can we communicate?
you’ve got a fantastic blog right here! would you prefer to make some invite posts on my blog?
I was suggested this website by my cousin. I’m not sure whether this post is written by him as no one else know such detailed about my difficulty. You are incredible! Thanks!
excellent post, very informative. I wonder why the other experts of this sector don’t notice this. You should continue your writing. I’m sure, you have a great readers’ base already!
Aw, this was an exceptionally nice post. Finding the time and actual effort to create a very good article… but what can I say… I put things off a lot and don’t manage to get nearly anything done.
fairly nice post, i definitely enjoy this web site, maintain on it
[url=http://sneakerssyaf.yolasite.com/]cheap sneakers[/url]
I seriously love your blog.. Very nice colors & theme. Did you make this site yourself? Please reply back as I’m planning to create my own personal website and want to know where you got this from or exactly what the theme is named. Appreciate it!
I’ve read several good stuff here. Certainly worth bookmarking for revisiting. I wonder how much effort you put to create such a great informative site.
What’s up everyone, I be familiar with YouTube video contains fewer bytes of memory due to that its quality is awful, except this YouTube video has great picture features.
Heya i’m for the first time here. I came across this board and I find It really useful & it helped me out much. I hope to give something back and help others like you aided me.
Greetings! Very useful advice within this article! It is the little changes that will make the most important changes. Thanks for sharing!