{"id":12150,"date":"2012-02-22T10:51:17","date_gmt":"2012-02-22T08:51:17","guid":{"rendered":"http:\/\/www.criserb.com\/blog\/?p=12150"},"modified":"2012-02-22T10:56:37","modified_gmt":"2012-02-22T08:56:37","slug":"tu-stii-sa-economisesti","status":"publish","type":"post","link":"https:\/\/www.criserb.com\/blog\/tu-stii-sa-economisesti\/","title":{"rendered":"Tu stii sa economisesti?"},"content":{"rendered":"

\"bani\"<\/a> Va povesteam<\/a> acum vreo doua saptamani ca am gasit un site foarte misto<\/a> in care sunt niste sfaturi de economisire. Acum ca a trecut ceva timp de atunci, ca m-am intors din concediu fara prea multi bani (nu zic fara nici un ban, ca ma citeste mama) am intrat iar pe respectivul site sa vad ce mai e nou si ce lectii mai sunt de facut. <\/p>\n

Am parcurs in seara asta lectiile 3, 4 si 5. Pot sa spun ca imi place siteul in continuare. Sunt atatea lucruri interesante acolo de nici nu va ganditi. Multe dintre ele sunt lucruri pe care le stiam, dar sunt prezentate sub o forma care chiar ne pune pe ganduri. <\/p>\n

Fiecare dintre noi avem cheltuieli. Unele sunt fixe periodice, altele sunt variabile periodice iar altele sunt cheltuieli exceptionale. Din pacate in concediu am avut parte de ultima categorie, de alea exceptionale. O mana rupta nu poate fi incadrata la planificare financiara :( Sau poate, daca esti mai cumpatat ca mine…<\/p>\n

Sper ca nu va ganditi ca aveam bani pusi de-o parte pentru asa ceva, ca nu aveam. Aveam si noi ca niste bani planuiti de concediu si nimic mai mult. Eh, dupa acest incident am realizat ca aceste evenimente neplacute pot sa apara in orice moment si trebuie sa facem o planificare financiara mult mai buna. <\/p>\n

Bun, pentru asta ar trebui sa reducem cheltuielile variabile periodice. Sa nu mai mancam asa des la restaurant, sa nu mai cumparam de la supermarket tot ce ne face cu ochiul, sa ne organizam si noi putin. Banii se duc usor, si e pacat sa-i scapam din ochi. <\/p>\n

In lectia 4 ne este prezentat creditul. Cu totii am auzit de "principal", "dobanda", "DAE" dar putini le-am inteles cu adevarat. Daca va pasa, si vreti sa stiti pe ce dati banii, lectia 4 si testul ce o urmeaza sunt chiar utile. <\/p>\n

E pacat sa nu invatam unele lucruri chiar acum cand ni se ofera asa ceva pe tava.<\/p>\n

De cele mai multe ori pe langa DAE, care e important de stiut, sunt o multime de costuri colaterale pe care bancile ni le ascund. E bine sa stim care sunt astea si cum influenteaza suma de bani pe care trebuie sa o restituim bancii.<\/p>\n

Mergem mai departe. <\/p>\n

Voi chiar stiti toate detaliile pe care trebuie sa le stiti despre un card de credit? Stiti cand este bine sa-l folositi si cand nu? In teorie toata lumea stie, in practica e putin mai greu. Eu recunosc, il folosesc  non-stop si sunt momente in care nu fac bine. <\/p>\n

Cardul de credit e un instrument naspa rau, daca pot sa zic asa, atunci cand nu stii sa-l folosesti. Pe cardul de credit dobanzile ajung de pana la 25%, un procent deloc neglijabil. <\/p>\n

Mie mi-a placut mult siteul asta<\/a>. Citesc pe el tot felul de informatii ce sper sa-mi si intre in cap. Sunt logice in cazul in care cunosti dedesupturile si nu iti scapa amanunte pe care banca omite sa ti le prezinte. <\/p>\n

Mai sunt tot felul de lectii si teste, dar acum e prea tarziu. O sa continui cu alta ocazie si poate am sa va mai povestesc. Sper ca macar pe unii dintre voi sa va intereseze si sa nu vorbesc singur. <\/p>\n","protected":false},"excerpt":{"rendered":"

Va povesteam acum vreo doua saptamani ca am gasit un site foarte misto in care sunt niste sfaturi de economisire. Acum ca a trecut ceva timp de atunci, ca m-am intors din concediu fara prea multi bani (nu zic fara nici un ban, ca ma citeste mama) am intrat iar pe respectivul site sa vad…<\/p>\n","protected":false},"author":3,"featured_media":18012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[978,2910,2911,7106,935],"yoast_head":"\nTu stii sa economisesti?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.criserb.com\/blog\/tu-stii-sa-economisesti\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"criserb\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" 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