{"id":1081,"date":"2023-12-21T14:31:51","date_gmt":"2023-12-21T14:31:51","guid":{"rendered":"https:\/\/silviabogdan.ro\/?p=1081"},"modified":"2024-09-12T19:23:18","modified_gmt":"2024-09-12T19:23:18","slug":"eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-10","status":"publish","type":"post","link":"https:\/\/silviabogdan.ro\/eu-si-banii-un-jurnal-personal-de-aventuri-financiare-capitolul-10\/","title":{"rendered":"Eu \u0219i Banii | Un jurnal personal de aventuri financiare | Capitolul 10"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1081\" class=\"elementor elementor-1081\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4774a9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4774a9d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95bb33d\" data-id=\"95bb33d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec3e119 elementor-widget elementor-widget-text-editor\" data-id=\"ec3e119\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"p1\"><b>Eu \u0219i<\/b> <b>Banii | 10<\/b><span class=\"s1\"><b><sup>th<\/sup><\/b><\/span><b> FACTORUL LATTE<\/b><span class=\"s1\"><sup>\u00a9<\/sup><\/span><\/h5><p class=\"p3\">La marginea paji\u0219tii, p\u00e2r\u00e2ul care bolborosea de zor \u0219erpuia printre c\u00e2mpurile str\u0103lucitoare de cereale. Ada a\u0219ezat\u0103 pe o st\u00e2nc\u0103 acoperit\u0103 de mu\u0219chi, cu picioarele scufundate \u00een apa cristalin\u0103 \u0219i rece, se minuna de modul \u00een care banii, la fel ca \u0219i p\u00e2r\u00e2ul care curge, aveau puterea de a-i hr\u0103ni imagina\u021bia \u0219i de a-i stimula curiozitatea. Era un memento al alegerilor pe care urma s\u0103 le fac\u0103\u2026 s\u0103 c\u00e2\u0219tige bani cu inteligen\u021b\u0103, s\u0103 economiseasc\u0103 cu consecven\u021b\u0103 pentru a investi \u00een visurile proprii \u0219i mai ales, s\u0103 cheltuiasc\u0103 cu \u00een\u021belepciune.<\/p><p class=\"p3\">George: Hei, vis\u0103toare mai e\u0219ti! La ce te g\u00e2nde\u0219ti at\u00e2t de profund?<\/p><p class=\"p3\">Ada: bun\u0103 \ud83d\ude42 m\u0103 g\u00e2ndeam c\u0103 toate informa\u021biile cu privire la educa\u021bia financiar\u0103 \u00eencurajeaz\u0103 \u00eent\u00e2i economisirea \u0219i abia apoi cheltuirea banilor. Ipotetic, procesul are sens, dar \u00een realitate mi se pare foarte greu de implementat.<\/p><p class=\"p3\">George: Ei, hai c\u0103 nu-i chiar at\u00e2t de greu! Zic c\u0103-i doar o chestiune de voin\u021b\u0103, \u00eentr-o prim\u0103 faz\u0103, iar apoi de exerci\u021biu exersat.<\/p><p class=\"p3\">Daniel: Despre ce vorbi\u021bi voi doi aici?<\/p><p class=\"p3\">George: Bun\u0103, bine a\u021bi venit!<\/p><p class=\"p3\">Ada: George \u00eencearc\u0103 s\u0103 m\u0103 conving\u0103 de faptul c\u0103-i simplu s\u0103 economise\u0219ti.<\/p><p class=\"p3\">Rare\u0219: Eu chiar a\u0219 vrea s\u0103 \u0219tiu cum s\u0103 fac asta repede. George, ne spui ce \u0219tii tu despre acest subiect?<\/p><p class=\"p3\">George: Desigur! M\u0103 bucur s\u0103 v\u0103 pot spune ce mi-a spus mama chiar de cur\u00e2nd. David Bach, un scriitor american <span class=\"s2\">\u00een domeniul financiar, a inventat un nume pentru un fenomen extrem de \u00eent\u00e2lnit la aproape to\u021bi oamenii, acela de a nu \u0219ti c\u00e2\u021bi bani cheltuie zilnic pe lucruri m\u0103runte. Sute de oameni din toate mediile socio-economice, care \u0219i-au monitorizat toate cheltuielile lunare, pe perioada studiului s\u0103u, au r\u0103mas surprin\u0219i de c\u00e2\u021bi bani cheltuie pe nimicuri. David a numit acest fenomen <a href=\"http:\/\/www.finishrich.com\/lattefactor\/\"><span class=\"s3\"><b>Factorul Latte<\/b><\/span><\/a>\u00ae. <\/span><\/p><p class=\"p3\"><span class=\"s2\">Ada: Latte? Ce amuzant! Te referi la cafeaua aceea bun\u0103, cu lapte \u0219i sirop dulce, de la Starbucks? Mamei \u00eei cam place \u0219i ori de c\u00e2te ori ajunge \u00een ora\u0219 cheltuie 16 lei pe o can\u0103 mare. <\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Exact despre acel latte este vorba, da. David consider\u0103 c\u0103 sunt 8 locuri foarte populare \u00een care banii no\u0219tri \u02ddemigreaz\u0103\u02dd zilnic. Eu \u00eemi amintesc acum de 3 dintre acestea: cafeaua cu lapte, cacaua sau orice alt\u0103 b\u0103utur\u0103 care ne place, aplica\u021biile mobile \u0219i cump\u0103r\u0103turile online. Ra\u021bionamentul lui este simplu \u0219i totodat\u0103, de bun sim\u021b. El spune a\u0219a: pentru c\u0103 ai bunul obicei s\u0103 pl\u0103te\u0219ti o sum\u0103 de bani (oric\u00e2t de mic\u0103) pe o pl\u0103cere vinovat\u0103 sau mai pu\u021bin vinovat\u0103, \u00eenseamn\u0103 c\u0103 \u00eendepline\u0219ti cea mai important\u0103 condi\u021bie pentru a economisi &#8211; comportamentul condi\u021bionat pe care \u021bi-l po\u021bi folosi pentru a economisi zilnic, nu doar pentru a-\u021bi cump\u0103ra o cacao, ci \u0219i pentru a pune bani deoparte.<\/span><\/p><p class=\"p3\"><span class=\"s2\">Ana: Stai a\u0219a, c\u0103 nu \u00een\u021beleg! M-am cam z\u0103p\u0103cit \u0219i \u00eencurcat \u00een termeni! <span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/span><\/p><p class=\"p3\"><span class=\"s2\">Daniel: Eu am \u00een\u021beles c\u0103 dac\u0103 tot am bunul obicei de a-mi cump\u0103ra zilnic un covrig \u00een drum spre \u0219coal\u0103, pe care s\u0103 zicem c\u0103 dau 2 lei, s\u0103 profit de ocazie \u0219i s\u0103 pun 2 lei \u0219i \u00een economii. Ce zici, George?<\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Nici c\u0103 puteai explica mai bine, Daniel! Imagina\u021bi-v\u0103! Ne este simplu s\u0103 b\u0103g\u0103m m\u00e2na \u00een buzunar pentru covrig. De ce nu ne-ar fi la fel de simplu s\u0103 facem acela\u0219i lucru pentru a economisi zilnic? Ca s\u0103 v\u0103 conving, v\u0103 provoc s\u0103 facem \u00eempreun\u0103 un calcul. Dac\u0103 am \u00eencepe s\u0103 punem deoparte 2 lei \u00een fiecare zi, c\u00e2\u021bi bani am economisi \u00eentr-o lun\u0103?<\/span><\/p><p class=\"p3\"><span class=\"s2\">Rare\u0219: 60 lei<\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Bun, iar \u00eentr-un an?<\/span><\/p><p class=\"p3\"><span class=\"s2\">Ada: 720 lei<\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Excelent! Iar \u00een 10 ani?<\/span><\/p><p class=\"p3\"><span class=\"s2\">Daniel: Dac\u0103 p\u0103str\u0103m aceea\u0219i sum\u0103, 7.200 lei. Dar presupun c\u0103 ar trebui s\u0103 mai primim ceva \u0219i pentru dob\u00e2nda acumulat\u0103 la cei 720 lei economisi\u021bi anual.<\/span><\/p><p class=\"p3\"><span class=\"s2\">Ada: Ei, hai, c\u0103 ra\u021bionamentul l-am \u00een\u021beles, dar dob\u00e2nzile sunt super mici. Voi nu vede\u021bi, economisesc zilnic 2 lei \u0219i dup\u0103 10 ani am doar 7.200 lei?<\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Da, de acord c\u0103 par pu\u021bini bani \u0219i efort mare, dar uite, matematic, dac\u0103 \u00een cei 10 ani dob\u00e2nda ar fi de doar 2%\/an, atunci ai avea o sum\u0103 (constituit\u0103 din principal, plus, dob\u00e2nda la dob\u00e2nd\u0103) \u00een valoare nu doar de 7.200 lei, ci de 8.153 lei economisi\u021bi. Iar la o dob\u00e2nd\u0103 de 8%\/an, ai avea economisi\u021bi 11.265 lei, \u00een doar 10 ani. Altfel spus, tu economise\u0219ti 720 lei\/an, iar dup\u0103 10 ani, pe l\u00e2ng\u0103 banii t\u0103i, ai \u00eenregistra un surplus de 4.056 lei. <\/span><\/p><p class=\"p3\"><span class=\"s2\">Daniel: Da, mi se pare un calcul foarte simplu \u0219i extrem de motivant. Practic, po\u021bi economisi sume mici, care apoi, investite inteligent pe termen lung, \u00ee\u021bi pot genera venituri pentru viitor.<\/span><\/p><p class=\"p3\"><span class=\"s2\">George: Iat\u0103 un tabel care ne arat\u0103, matematic, cam cum func\u021bioneaz\u0103 treaba aceasta cu economisirea ritmic\u0103, pe termen lung. Profesorul meu de mate ni l-a prezentat recent \u0219i mi se pare de super ajutor, mai ales c\u0103 pot face calcule reale pentru viitor.<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4def667 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4def667\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5107e41\" data-id=\"5107e41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-431788f elementor-widget elementor-widget-image\" data-id=\"431788f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"249\" src=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_dobanda-compusa_8-1024x319.png\" class=\"attachment-large size-large wp-image-1084\" alt=\"\" srcset=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_dobanda-compusa_8-1024x319.png 1024w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_dobanda-compusa_8-300x94.png 300w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_dobanda-compusa_8-768x239.png 768w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_dobanda-compusa_8.png 1078w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e9bab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e9bab0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bac50c\" data-id=\"5bac50c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32db23a elementor-widget elementor-widget-text-editor\" data-id=\"32db23a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\"><span class=\"s1\">Rare\u0219: Ce mi se pare mie fain la acest subiect este c\u0103 indiferent care-i suma economisit\u0103, mai ales la \u00eenceput, putem exersa economisirea aceasta zilnic\u0103. Yeeey, am s\u0103 \u00eencep chiar de ast\u0103zi!<\/span><\/p><p class=\"p1\">Ada: Bine, bine, dar cum am putea economisi ace\u0219ti bani, pentru ca apoi s\u0103-i investim? Eu chiar nu pricep! Suntem totu\u0219i minori, chiar dac\u0103 unii dintre noi avem buletin.<\/p><p class=\"p1\">George: Uite, eu am o conven\u021bie cu p\u0103rin\u021bii mei, care m\u0103 motiveaz\u0103. Dup\u0103 cum deja \u0219ti\u021bi, eu pun \u00een pu\u0219culi\u021b\u0103 5 lei \u00een fiecare s\u0103pt\u0103m\u00e2n\u0103. La finalul fiec\u0103rui semestru, \u00een lunile Iulie \u0219i Ianuarie, mama investe\u0219te \u00eentr-un fond mutual suma de bani adunat\u0103 de mine pe parcursul anului. C\u00e2nd voi \u00eemplini 18 ani, voi putea face asta \u00een nume propriu.<\/p><p class=\"p1\">Ana: Ce este acela un Fond mutual? \u00cen cur\u00e2nd voi fugi de-mi vor sc\u0103par\u0103 c\u0103lc\u00e2ile dac\u0103 mai aud de vreun fond la care face George referire.<\/p><p class=\"p1\">George: haha, ce amuzant\u0103 e\u0219ti. Ia-te de m\u00e2n\u0103 cu Ada. La \u00eenceput \u0219i ea era foarte contrariat\u0103 de ideile mele. Eu chiar studiez \u0219i aplic cu consecven\u021b\u0103 aceste no\u021biuni financiare, pentru c\u0103 la 35 de ani, eu chiar voi fi str\u00e2ns 1 milion de lei \u00een cont. Citesc multe c\u0103r\u021bi \u0219i lucrez la un eseu personal. Eu chiar \u00eemi doresc s\u0103 devin milionar.<\/p><p class=\"p1\">Daniel: \u0218tiu \u0219i eu o metod\u0103 de economisire, pe care de altfel, fratele meu mai mare a \u00eenceput s\u0103 o aplice cu consecven\u021b\u0103, dup\u0103 ce a fost la un curs de educa\u021bie financiar\u0103. La \u00eenceputul fiec\u0103rei s\u0103pt\u0103m\u00e2ni, c\u00e2nd mama ne d\u0103 banii de buzunar, el pune deoparte 20% \u00een economii, 50% pentru nevoile curente \u0219i 30% pentru dorin\u021be. Metoda aceasta se nume\u0219te 20\/50\/30 \u0219i cel pu\u021bin, pe el, \u00eel ajut\u0103 s\u0103-\u0219i dr\u0103muiasc\u0103 banii \u00een a\u0219a fel \u00eenc\u00e2t s\u0103-\u0219i finan\u021beze diferite mofturi \u0219i nici s\u0103 nu se simt\u0103 vinovat c\u0103 nu economise\u0219te pentru viitor.<\/p><p class=\"p1\">Ana: Uau! Foarte fain\u0103 ideea. Dar sunt debusolat\u0103. Dac\u0103 fratele t\u0103u procedeaz\u0103 a\u0219a, tu de ce nu aplici metoda aceasta? Pare foarte logic\u0103, este u\u0219or de \u021binut minte \u0219i \u00eemparte intuitiv cheltuielile \u00een 3 mari categorii! \ud83d\ude42<\/p><p class=\"p1\">Rare\u0219: Cred c\u0103 am s\u0103 o aplic \u0219i eu cur\u00e2nd. Reu\u0219esc cu brio s\u0103-mi cheltuiesc toat\u0103 aloca\u021bia, \u00eenainte de a mi se termina luna.<\/p><p class=\"p1\">George: Ai putea s\u0103 nu-\u021bi folose\u0219ti aloca\u021bia, \u00een nicio instan\u021b\u0103. Sunt bani pe care-i prime\u0219ti de la stat, doar pentru c\u0103 exi\u0219ti \u0219i c\u0103 e\u0219ti minor. Pune-o deoparte, pe c\u00e2t posibil.<\/p><p class=\"p1\">Rare\u0219: \u00cen\u021beleg, dar n-a\u0219 putea avea nicio alt\u0103 surs\u0103 de venit.<\/p><p class=\"p1\">George: Dar aloca\u021bia nu este o surs\u0103 de venit, este o simpl\u0103 indemniza\u021bie. Veniturile sunt sume de bani pe care le ob\u021bii dac\u0103 prestezi un \u02ddserviciu\u02dd\u00a0\u0219i \u00ee\u021bi asumi responsabilit\u0103\u021bile asociate acestuia.<\/p><p class=\"p1\">Rare\u0219: P\u0103i \u0219i ce serviciu s\u0103-mi iau eu la cei 15 ani mei?<\/p><p class=\"p1\">George: Eu cred c\u0103 po\u021bi avea un \u201eserviciu\u201d la scar\u0103 mic\u0103 \u00een gospod\u0103rie pentru care ai putea ob\u021bine bani de buzunar. Uite! Acesta este o metod\u0103 prin care p\u0103rin\u021bii mei m-au \u00eencurajat s\u0103 \u201ec\u00e2\u0219tig\u201d bani \u00een schimbul investi\u021biei mele de timp \u0219i efort pentru o recompens\u0103 financiar\u0103 a\u0219teptat\u0103. Mi-am asumat s\u0103 am grij\u0103 de c\u0103\u021bel. Nu doar c\u0103-l hr\u0103nesc \u0219i-i dau ap\u0103, dar \u00eei fac curat \u00een a\u0219ternut, \u00eel plimb regulat \u0219i merg cu el la doctor pentru vaccinuri sau atunci c\u00e2nd este bolnav. \u00cei cump\u0103r m\u00e2ncare \u0219i medicamentele anti-deparazitare. \u0218i am grij\u0103 zilnic s\u0103-i mearg\u0103 bine.<\/p><p class=\"p1\">Ana: Eu primesc bani de la ai mei, doar pentru c\u0103 sunt \u201ecuminte\u201d.<\/p><p class=\"p1\">Daniel: Hmm\u2026 asta mie nu-mi sun\u0103 prea bine. Pare c\u0103 tu prime\u0219ti bani regulat de la p\u0103rin\u021bii t\u0103i numai pentru c\u0103 alegi s\u0103 te conformezi unor situa\u021bii pe care ei \u021bi le cer?! E o practic\u0103 cultural\u0103 care mie \u00eemi displace profund. Altfel spus, c\u00e2nd nu e\u0219ti \u02ddcuminte\u02dd, nu mai prime\u0219ti bani?<\/p><p class=\"p1\">Ana: Da, cam a\u0219a ceva. De altfel, exact a\u0219a se \u00eent\u00e2mpl\u0103, dar ce pot eu s\u0103 fac?<\/p><p class=\"p1\">George: S\u0103 experimentezi o form\u0103 de schimb, pentru a avea mai multe oportunit\u0103\u021bi \u00een a-\u021bi regla \u00een\u021belegerea asupra modului \u00een care po\u021bi c\u00e2\u0219tiga bani. Ofer\u0103-te s\u0103 duci zilnic gunoiul \u0219i s\u0103 faci curat prin cas\u0103 sau \u00een curte, iar pentru aceste activit\u0103\u021bi, solicit\u0103-le bani p\u0103rin\u021bilor t\u0103i. Va fi primul t\u0103u venit din care apoi, vei putea economisi \u0219i cheltui.<\/p><p class=\"p1\">Ana: C\u00e2nd nu-s cuminte, nu primesc bani \u0219i asta poate dura chiar 3-4 s\u0103pt\u0103m\u00e2ni. Nu-s rea, dar fac tot felul de n\u0103zb\u00e2tii, care-i agaseaz\u0103 pe p\u0103rin\u021bii mei. Iar pedeapsa financiar\u0103 le este foarte la \u00eendem\u00e2n\u0103. Mi-ar pl\u0103cea s\u0103 pot economisi, dar ce adun c\u00e2nd sunt \u02ddcuminte\u02dd cheltui c\u00e2nd nu mai primesc bani. Este o situa\u021bie f\u0103r\u0103 sf\u00e2r\u0219it.<\/p><p class=\"p1\">Daniel: Eu zic c\u0103 le po\u021bi demonstra contrariul. Doar tu po\u021bi alege s\u0103-\u021bi schimbi comportamentul pentru a ob\u021bine rezultatul pe care \u021bi-l dore\u0219ti.<\/p><p class=\"p1\">Ada: Eu am o idee, pe care \u00eemi propun s\u0103 o aplic de ast\u0103zi. Am s\u0103-mi depozitez cel pu\u021bin 80% din banii de buzunar \u00eentr-un borcan transparent. Sunt o creatur\u0103 vizual\u0103 \u0219i cred c\u0103 m\u0103 voi auto-mobiliza s\u0103 economisesc constant pe m\u0103sur\u0103 ce voi vedea cum \u00eemi umplu borcanul. A\u0219 vrea s\u0103-mi exersez comportamentul de a economisi \u0219i \u00een viitorul recent, iar pentru asta ori de c\u00e2te ori voi putea \u00eemi voi num\u0103ra banii pe care i-am economisit p\u00e2n\u0103 la acel moment.<\/p><p class=\"p1\">George: Excelent\u0103 idee, Ada. \u00ce\u021bi propun s\u0103-\u021bi fiu al\u0103turi \u00een procesul de a-\u021bi stabili un obiectiv viitor care presupune economisirea cu un scop precis: bani pentru universitatea de art\u0103 vestimentar\u0103. A\u0219a putem \u00eenv\u0103\u021ba \u00eempreun\u0103 cum s\u0103 ne folosim banii pentru a face bani \u0219i nu doar s\u0103 ne g\u00e2ndim la cum am putea s\u0103 ne cheltuim banii economisi\u021bi cu at\u00e2ta trud\u0103.<\/p><p class=\"p1\">Ana: Totu\u0219i, eu nu pricep ideea aceasta legat\u0103 de acum, versus \u00een viitor. Nu \u00een\u021beleg cum vine treaba asta cu a alege \u00eentre o mic\u0103 recompens\u0103 acum \u0219i o recompens\u0103 mai mare pentru mai t\u00e2rziu?!<\/p><p class=\"p1\">Daniel: Ana, dac\u0103 s\u0103 spunem e\u0219ti \u00een perioada aceea c\u00e2nd tu nu prime\u0219ti bani \u0219i ai doar 5 lei disponibili pentru a-\u021bi cump\u0103ra ceva ce ai nevoie sau \u00ee\u021bi dore\u0219ti, presupun c\u0103 te concentrezi cu aten\u021bie asupra alegerii pe care o faci, pentru a nu fii dezam\u0103git\u0103 mai t\u00e2rziu. Odat\u0103 cheltui\u021bi, cei 5 lei \u201edispar definitiv\u201d din bugetul personal.<span class=\"Apple-converted-space\">\u00a0 <\/span>La fel este \u0219i cu economisirea!<\/p><p class=\"p1\">George: De acord cu Daniel. Este esen\u021bial s\u0103 \u00een\u021belegem c\u0103 pentru a ne cump\u0103ra un obiect mai scump este important s\u0103 economisim \u00eenainte \u0219i doar atunci c\u00e2nd avem to\u021bi banii str\u00e2n\u0219i.<\/p><p class=\"p1\">Ana: Ascult\u00e2ndu-v\u0103, \u00eemi este tare greu s\u0103 cred c\u0103 voi reu\u0219i ceea ce v-am spus c\u0103 voi face pentru a economisi. Habar n-am cum a\u0219 putea \u201epractica\u201d a\u0219teptarea p\u00e2n\u0103 la momentul economisirii sumei de bani de care voi avea nevoie pentru a-mi putea cump\u0103ra obiectul dorit sau atinge obiectivul a\u0219teptat, mai ales dac\u0103 voi face \u0219i vreo n\u0103zb\u00e2tie \u00eentre timp.<\/p><p class=\"p1\">Daniel: Am o idee! Ai putea s\u0103-\u021bi faci un grafic de economii, \u00een care vei indica c\u00e2\u021bi bani ai economisit p\u00e2n\u0103 la un moment dat (de exemplu, color\u00e2nd sec\u021biunile respective pe grafic) \u0219i c\u00e2t ar trebui s\u0103 mai economise\u0219ti (acestea r\u0103m\u00e2n\u00e2nd necolorate p\u00e2n\u0103 la un moment viitor).<\/p><p class=\"p1\">Ada: Aceasta este o idee foarte bun\u0103, am s\u0103 m\u0103 str\u0103duiesc s\u0103 o aplic \u0219i eu. Mul\u021bumesc, Daniel \u0219i George pentru lec\u021bia de economisire de ast\u0103zi.<\/p><p class=\"p1\">Rare\u0219: De acord cu Ada. Cu toate acestea, eu tot am o dilem\u0103\u2026 Singurii mei bani, dup\u0103 cum v-am spus, sunt cei din aloca\u021bie. Mi-am pus \u00een g\u00e2nd deja s\u0103 aplic treaba cu a-mi \u02ddvinde\u02dd serviciile p\u0103rin\u021bilor, practic\u00e2nd activit\u0103\u021bi \u00een gospod\u0103rie. Dar, mi-e team\u0103 c\u0103 nu voi putea economisi pentru c\u0103 nu \u0219tiu cum s\u0103 fac s\u0103 nu-mi cheltui to\u021bi banii \u00een primele 2 zile dup\u0103 ce-i primesc.<\/p><p class=\"p1\">George: Am eu o idee. V\u0103 spun o poveste despre bunicii mei. De fapt, \u00eemi pot \u00eenchipui c\u0103 \u0219i bunicii vo\u0219tri procedeaz\u0103 la fel. \u00cen orice caz, ai mei m\u0103 uimesc mereu. De\u0219i au o pensie mic\u0103, iar majoritatea banilor li se duc pe medicamente \u0219i pe traiul zilnic, de fiecare dat\u0103, absolut tot mereu, de Pa\u0219ti, de Cr\u0103ciun, la aniversarea mea \u0219i a veri\u0219orilor \u0219i chiar la onomastice, ei ne dau mici cadouri, care cost\u0103, desigur. Tot mai intrigat de acest aspect, am \u00eentrebat-o pe bunica mea cum de reu\u0219esc ei s\u0103 aib\u0103 bani pentru aceste cadouri, pe care noi chiar ne sim\u021bim jena\u021bi s\u0103 le tot primim. Ea mi-a spus c\u0103 dac\u0103 am refuza cadourile, ar fi tare dezam\u0103gi\u021bi. Mi-a mai spus c\u0103 pentru ei este foarte simplu s\u0103 pun\u0103 bani deoparte pentru aceste mici bucurii. \u00cen ziua \u00een care primesc pensia, pun deoparte bani pentru \u00eenhumare, pentru cadourile destinate nepo\u021bilor \u0219i abia apoi, \u00eempart suma r\u0103mas\u0103 \u00een 4 p\u0103r\u021bi, c\u00e2te una pentru fiecare s\u0103pt\u0103m\u00e2n\u0103 din lun\u0103. A\u0219a reu\u0219esc ei s\u0103 aib\u0103 bani lunar pentru ceea ce consider\u0103 c\u0103-i important.<\/p><p class=\"p1\">Rare\u0219: Hmm\u2026 nici nu \u0219tiu dac\u0103 bunicii mei procedeaz\u0103 la fel cu economisirea, dar cadouri ne ofer\u0103 \u0219i nou\u0103. S\u0103 \u0219tii c\u0103 am s\u0103-i \u00eentreb. Cu toate acestea, tot mai am o \u00eentrebare. Dac\u0103 bunicilor t\u0103i nu le ajung banii \u00eentr-o s\u0103pt\u0103m\u00e2n\u0103, cum procedeaz\u0103?<\/p><p class=\"p1\">George: Foarte bun\u0103 \u00eentrebarea ta! Absolut niciodat\u0103 \u00een s\u0103pt\u0103m\u00e2na \u00een curs nu acceseaz\u0103 anticipat banii din plicul s\u0103pt\u0103m\u00e2nii urm\u0103toare. Fac astfel \u00eenc\u00e2t s\u0103 se gospod\u0103reasc\u0103 cu banii planifica\u021bi, f\u0103r\u0103 s\u0103 cheltuiasc\u0103 mai mult dec\u00e2t au disponibil.<\/p><p class=\"p1\">Daniel: Acest comportament financiar este inspira\u021bional! Chiar m-ai f\u0103cut curios, George. Oare cum func\u021bioneaz\u0103 treaba aceasta \u00een familia mea?! Am s\u0103-mi \u00eentreb \u0219i eu bunicii, dar \u0219i pe p\u0103rin\u021bi. N-am purtat niciodat\u0103 vreo conversa\u021bie pe aceast\u0103 tem\u0103.<\/p><p class=\"p1\">Ada: George, pare c\u0103 ne-ai activat tuturor curiozitatea. E de bun augur acest exemplu. Poate a\u0219a \u00eenv\u0103\u021b\u0103m despre educa\u021bia financiar\u0103 \u0219i de la propria familie. Chiar m\u0103 bucur!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9bcb22e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9bcb22e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19d1687\" data-id=\"19d1687\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae324b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae324b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df29016\" data-id=\"df29016\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2423d7 elementor-widget elementor-widget-text-editor\" data-id=\"c2423d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5>\u00a0<\/h5><h5 class=\"p1\"><b>PAGIN\u0102 DE JURNAL |\u00a0 Pl\u0103te\u0219te-te pe tine prima dat\u0103!<\/b><\/h5><p class=\"p3\">1. \u00ce\u021bi propun un exerci\u021biu potrivit s\u0103 faci un calcul simplu. Dac\u0103 ai economisi \u00een fiecare zi banii de un croissant \u0219i o sticl\u0103 de suc, s\u0103 zicem 10 lei, \u00een 4 ani de zile ai economisit aproximativ \u2026 \u2026 \u2026 lei.<\/p><p class=\"p3\">Poate o s\u0103 par\u0103 pu\u021bin pentru 4 ani, dar dac\u0103 ar fi s\u0103 calculezi mai departe, \u00een 10 ani sunt peste \u2026 \u2026 \u2026 lei, iar \u00een 20 de ani se str\u00e2ng \u2026 \u2026 \u2026 de lei.<\/p><p class=\"p1\">2. Pentru a vedea evolu\u021bia economiilor tale, creeaz\u0103-\u021bi un grafic cu valoarea banilor pu\u0219i deoparte p\u00e2n\u0103 la un moment dat. Pe roata de mai jos, imagineaz\u0103-\u021bi fiecare segment ca av\u00e2nd o capacitate de maximum 20% pentru economii, \u00een fiecare lun\u0103.\u00a0<\/p><p class=\"p1\">Coloreaz\u0103 fiecare segment aferent \u00een func\u021bie de economiile pe care le-ai efectuat lunar: 1% p\u00e2n\u0103 la 20%, dup\u0103 caz. Desigur, sec\u021biunile necolorate pe fiecare segment \u00ee\u021bi vor ar\u0103ta c\u00e2t ai mai avea de economisit p\u00e2n\u0103 la un moment viitor.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2e5c46 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2e5c46\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a25ce50\" data-id=\"a25ce50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-214db82 elementor-widget elementor-widget-image\" data-id=\"214db82\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"795\" src=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_1.png\" class=\"attachment-large size-large wp-image-1085\" alt=\"\" srcset=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_1.png 984w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_1-300x298.png 300w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_1-150x150.png 150w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_1-768x763.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ba0528 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ba0528\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-96afc03\" data-id=\"96afc03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71fc2ea elementor-widget elementor-widget-text-editor\" data-id=\"71fc2ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\">Ce zici, ce se \u00eent\u00e2mpl\u0103 cu roata economiilor tale? Se \u00eenv\u00e2rte sau se blocheaz\u0103?<\/li><li class=\"li1\">Care sunt zonele vie\u021bii tale pentru care consideri c\u0103 ar fi de preferat s\u0103 te concentrezi s\u0103 economise\u0219ti mai mult?<\/li><\/ul><p>\u00a0<\/p><p class=\"p1\">\u00cen acest sens, pe cea de-a doua roat\u0103 (cea de mai jos) noteaz\u0103 procentul care reprezint\u0103 gradul ideal de economisire (pentru fiecare domeniu al vie\u021bii tale) pe care dore\u0219ti s\u0103-l ob\u021bii \u00een urm\u0103toarele 12 luni, din veniturile tale lunare.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4430b01 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4430b01\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-042117b\" data-id=\"042117b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99654c2 elementor-widget elementor-widget-image\" data-id=\"99654c2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"818\" src=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_2.png\" class=\"attachment-large size-large wp-image-1086\" alt=\"\" srcset=\"https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_2.png 980w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_2-293x300.png 293w, https:\/\/silviabogdan.ro\/wp-content\/uploads\/2023\/11\/Art.-10_secretul-economisirii_2-768x785.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15965ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15965ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b84d93\" data-id=\"9b84d93\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c92241 elementor-widget elementor-widget-text-editor\" data-id=\"3c92241\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\">Acum, adreseaz\u0103-\u021bi urm\u0103toarele 3 \u00eentreb\u0103ri:<\/p><ul class=\"ul1\"><li class=\"li1\">Cum \u00eemi \u00eempart economiile \u00eentre cele 10 arii ale vie\u021bii mele?<\/li><li class=\"li1\">Care este aria care necesit\u0103 economii consistente pentru viitor?<\/li><li class=\"li1\">Ce \u00eemi propun s\u0103 fac diferit, \u00eencep\u00e2nd de ast\u0103zi?<\/li><\/ul><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f7d5011 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7d5011\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1db37b\" data-id=\"a1db37b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fc23e5 elementor-widget elementor-widget-text-editor\" data-id=\"6fc23e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\">3. \u00cen continuare, este timpul s\u0103 exersezi noi metode, consacrate financiar, care te pot sus\u021bine \u00een efortul de a-\u021bi schimba obiceiurile cotidiene, cu scopul de a pune bani deoparte \u00een mod regulat.<\/p><h5 class=\"p1\"><b>#Metoda 50\/30\/20<\/b><\/h5><p class=\"p1\">Unii oameni au credin\u021ba c\u0103 regula 50\/30\/20 se aplic\u0103 diferen\u021biat, \u00een func\u021bie de c\u00e2\u0219tigul lunar \u0219i a\u0219a poate fi. Important este s\u0103 \u00eencepem s\u0103 ne form\u0103m un obicei de economisire. Poate nu vom reu\u0219i \u00een fiecare lun\u0103 s\u0103 punem 20% deoparte, s\u0103 cheltuim doar 50% pentru diferite nevoi de hran\u0103 sau \u00eentre\u021binerea casei sau s\u0103 ducem 30% c\u0103tre pasiuni \u0219i dorin\u021be. Procentele pot varia. \u00cen acela\u0219i timp, unii oameni vor dori s\u0103 integreze pe unul dintre aceste paliere dona\u021bii \u0219i acte caritabile, al\u021bii vor dori s\u0103 fac\u0103 investi\u021bii \u00een educa\u021bie, de exemplu.<\/p><p class=\"p1\">R\u0103m\u00e2ne doar la latitudine personal\u0103 dac\u0103 aplici 60\/20\/20 sau 60\/30\/10 sau 40\/30\/30. Doar tu alegi! \ud83d\ude42<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a36b13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a36b13\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bfc12d9\" data-id=\"bfc12d9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f965f07 elementor-widget elementor-widget-text-editor\" data-id=\"f965f07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\"><b>Cum s\u0103 \u00ee\u021bi creezi un buget cu metoda 50\/30\/20 | <\/b>by Vanguard<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2693fa2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2693fa2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-041c9a6\" data-id=\"041c9a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08c7523 elementor-widget elementor-widget-video\" data-id=\"08c7523\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=YK0McST76aA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de2815d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de2815d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ffad017\" data-id=\"ffad017\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67f2b72 elementor-widget elementor-widget-text-editor\" data-id=\"67f2b72\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\">Dac\u0103 inten\u021bionezi s\u0103-\u021bi urm\u0103re\u0219ti cheltuielile \u0219i ai nevoie s\u0103 urmezi un proces \u00een mod disciplinat, afl\u0103 dac\u0103 Metoda 50\/30\/20 poate fi ideal\u0103 pentru tine!<\/p><p class=\"p1\">A\u0219a cum am men\u021bionat \u0219i mai sus, de\u0219i metoda este calibrat\u0103 50\/30\/20, tu po\u021bi schimba procentele, oric\u00e2nd, astfel \u00eenc\u00e2t acestea s\u0103 func\u021bioneze pentru tine.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dbc46f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6dbc46f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4894eb9\" data-id=\"4894eb9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb706b9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cb706b9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ad676c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ad676c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cb6bad0\" data-id=\"cb6bad0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ea03c7f elementor-widget elementor-widget-text-editor\" data-id=\"ea03c7f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"p1\"><b>#Pl\u0103te\u0219te-te pe tine \u0219i pe familia ta prima dat\u0103<\/b><\/h5><p class=\"p1\">O alt\u0103 metod\u0103 esen\u021bial\u0103 pentru economisire este o variant\u0103 a Metodei Pareto, \u00een domeniul financiar, adic\u0103, metoda bugetar\u0103 80\/20. Aceasta \u00eenseamn\u0103 c\u0103 este de preferat s\u0103 economise\u0219ti mai \u00eent\u00e2i cel pu\u021bin 20% din venitul t\u0103u net lunar, iar apoi s\u0103 decizi care este cuantumul de cheltuieli care pot totaliza cel mult 80%. Desigur, este o metod\u0103 pe care tu o po\u021bi stabili \u00een func\u021bie de priorit\u0103\u021bile \u0219i obiectivele financiare pe care \u021bi le propui.<\/p><p class=\"p1\">Pentru a economisi mai mult, ai putea alege un buget bazat pe oricare dintre formulele: 70\/30, 60\/40 sau 50\/50. Partea esen\u021bial\u0103 a acestei metode este faptul de a pune deoparte economiile proprii \u00eenainte de a cheltui pe orice altceva.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c14012 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c14012\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8f79cb5\" data-id=\"8f79cb5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-928c3bf elementor-widget elementor-widget-text-editor\" data-id=\"928c3bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p class=\"p1\"><b>&#8220;Pl\u0103te\u0219te-te pe tine \u0219i pe familia ta prima dat\u0103\u201d<\/b> | by Vanguard<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8a4a79 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8a4a79\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56bf856\" data-id=\"56bf856\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6458e5e elementor-widget elementor-widget-video\" data-id=\"6458e5e\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=1tAVx-V8Qvw&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2def663 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2def663\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1ba8bff\" data-id=\"1ba8bff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4097e4a elementor-widget elementor-widget-text-editor\" data-id=\"4097e4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\">Dac\u0103 e\u0219ti dintre cei c\u0103rora nu le place s\u0103 urm\u0103reasc\u0103 fiecare cheltuial\u0103 din bugetul propriu, dar dore\u0219ti s\u0103-\u021bi cre\u0219ti cuantumul economiilor, metoda &#8220;Pl\u0103te\u0219te-te pe tine \u0219i pe familia ta prima dat\u0103\u201d poate fi ideal\u0103 pentru a\u021bi atinge obiectivele financiare.<\/p><p class=\"p1\">Aceast\u0103 metod\u0103 poart\u0103 denumirea de <span class=\"s1\">\u02dd<\/span>buget inversat\u02dd, pentru c\u0103 nu pare a fi o metod\u0103 conven\u021bional\u0103 de bugetare.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4714f91 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4714f91\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25a06cb\" data-id=\"25a06cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bad1cae elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bad1cae\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f05e09 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f05e09\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e19370c\" data-id=\"e19370c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9a80d8 elementor-widget elementor-widget-text-editor\" data-id=\"c9a80d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><p>Pentru c\u0103 suntem la final de an, poate fi ocazia potrivit\u0103 s\u0103 te g\u00e2nde\u0219ti \u00een perspectiv\u0103 la anul \u0219i anii care urmeaz\u0103. Caut\u0103 s\u0103-\u021bi faci o strategie care s\u0103-\u021bi asigure nu doar o independen\u021b\u0103 financiar\u0103, ci una care s\u0103 consolideze s\u0103n\u0103tatea finan\u021belor tale, pe termen lung!\u00a0<\/p><p><strong>Mult succes \u00een tot ceea ce vei \u00eentreprinde!<\/strong><\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8b6713 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f8b6713\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0665ef elementor-widget elementor-widget-text-editor\" data-id=\"f0665ef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h5 class=\"p1\"><b>\u0218tiai c\u0103\u2026<\/b><\/h5><p class=\"p1\">Exist\u0103 o concep\u021bie eronat\u0103 conform c\u0103reia, dac\u0103 vrei s\u0103 faci avere, trebuie pur \u0219i simplu s\u0103 c\u00e2\u0219tigi mai mult. \u00cen realitate, lucrurile stau altfel &#8211; averea deriv\u0103 \u0219i din cum alegem s\u0103 cheltuim banii pe care \u00eei avem. \u00cens\u0103 mul\u021bi oameni habar nu au c\u00e2\u021bi bani cheltuie &#8211; \u0219i aici nu e vorba doar despre achizi\u021biile mari, ci despre lucrurile mici, lucrurile pe care cheltuim bani zilnic.\u00a0<\/p><p class=\"p1\">Warren Buffet ne sf\u0103tuie\u0219te s\u0103 nu economism ce r\u0103m\u00e2ne dup\u0103 ce cheltuim, ci s\u0103 cheltuim ce r\u0103m\u00e2ne dup\u0103 ce economisim.\u00a0<\/p><p class=\"p1\">Factorul Latte<span class=\"s1\"><sup>\u00a9<\/sup><\/span> este un mod prin care po\u021bi afla care este, de fapt, costul mare al cheltuielilor mici, economisind zilnic echivalentul unui covrig. Poate s\u0103 fie vorba despre o cacao sau despre orice alt\u0103 cheltuial\u0103 mic\u0103, repetitiv\u0103 la nivelul fiec\u0103rei zile: un pachet de gum\u0103 de mestecat, un fresh de portocale luat de la un automat, o trotinet\u0103 electric\u0103 \u00eenchiriat\u0103, o \u00eenghe\u021bat\u0103 dup\u0103 care t\u00e2njim \u00een lunile de var\u0103\u2026<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-70ff7e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70ff7e5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b785ca7\" data-id=\"b785ca7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee7edbd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ee7edbd\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-11182fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11182fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cce59b1\" data-id=\"cce59b1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33ea32d elementor-widget elementor-widget-text-editor\" data-id=\"33ea32d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\"p1\"><b>Bibliografie<\/b><\/p><ul class=\"ul1\"><li class=\"li2\"><a href=\"https:\/\/davidbach.com\/\"><span class=\"s1\">https:\/\/davidbach.com\/<\/span><\/a><\/li><li class=\"li2\"><a href=\"https:\/\/www.investopedia.com\/terms\/p\/payyourselffirst.asp\"><span class=\"s1\">https:\/\/www.investopedia.com\/terms\/p\/payyourselffirst.asp<\/span><\/a><\/li><li class=\"li2\"><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/pay-yourself-first\"><span class=\"s1\">https:\/\/www.businessinsider.com\/personal-finance\/pay-yourself-first<\/span><\/a><\/li><li class=\"li2\"><a href=\"https:\/\/www.thebalancemoney.com\/what-does-pay-yourself-first-mean-453696\"><span class=\"s1\">https:\/\/www.thebalancemoney.com\/what-does-pay-yourself-first-mean-453696<\/span><\/a><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e94cdff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e94cdff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-313b343\" data-id=\"313b343\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0afb67f elementor-widget elementor-widget-text-editor\" data-id=\"0afb67f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0<\/p><h5 class=\"p1\"><b>C\u00e2\u0219tig\u0103 bani cu inteligen\u021b\u0103, economise\u0219te-i cu consecven\u021b\u0103 \u0219i cheltuie-i cu \u00een\u021belepciune!<\/b><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FACTORUL LATTE\u00a9 | Cei mai boga\u021bi oameni ai lumii, prin diferite mijloace de comunicare, ne \u00eencurajeaz\u0103 mai mereu \u0219i ne provoac\u0103 constant s\u0103 cheltuim lunar, \u00een primul r\u00e2nd, doar ceea ce ne r\u0103m\u00e2ne dup\u0103 ce am economisit \u0219i investit pe termen lung. Bine\u00een\u021beles \u0219i dup\u0103 ce, \u00een plan secundar, am pl\u0103tit toate cheltuielile obligatorii pentru standardul de via\u021b\u0103 pe care ni-l dorim.<\/p>\n","protected":false},"author":8473,"featured_media":1211,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,9,13],"tags":[],"class_list":["post-1081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educatia-financiara-timpurie","category-educatie-financiara","category-educatie-pentru-o-viata-prospera"],"_links":{"self":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/1081"}],"collection":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/users\/8473"}],"replies":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/comments?post=1081"}],"version-history":[{"count":13,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/1081\/revisions"}],"predecessor-version":[{"id":1214,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/posts\/1081\/revisions\/1214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media\/1211"}],"wp:attachment":[{"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/media?parent=1081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/categories?post=1081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silviabogdan.ro\/wp-json\/wp\/v2\/tags?post=1081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}