{"id":1377,"date":"2024-01-04T08:27:39","date_gmt":"2024-01-04T08:27:39","guid":{"rendered":"https:\/\/www.caractiv.ro\/?p=1377"},"modified":"2024-01-29T06:29:46","modified_gmt":"2024-01-29T06:29:46","slug":"articolul-1","status":"publish","type":"post","link":"https:\/\/www.caractiv.ro\/?p=1377","title":{"rendered":"Educa\u021bie Financiar\u0103: Cum \u00eemi mic\u0219orez \u00eemprumuturile"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1377\" class=\"elementor elementor-1377\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-936e96b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"936e96b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-0d8414f\" data-id=\"0d8414f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\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-46805d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46805d4\" 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-54567a4\" data-id=\"54567a4\" 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-aa91868 elementor-widget elementor-widget-heading\" data-id=\"aa91868\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Educa\u021bie Financiar\u0103: Cum \u00eemi mic\u0219orez \u00eemprumuturile<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d39b845 elementor-widget elementor-widget-text-editor\" data-id=\"d39b845\" 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\t\t<p>\u00cen via\u021ba cotidian\u0103 li se \u00eent\u00e2mpl\u0103 multor oameni s\u0103 nu \u00ee\u0219i cunoasc\u0103 nici nivelul real al veniturilor, nici pe cel al cheltuielilor, s\u0103 cheltuie mai mult dec\u00e2t \u00eencaseaz\u0103 \u0219i s\u0103 apeleze la \u00eemprumuturi pentru a acoperi diferen\u021ba. \u00cemprumuturile sunt \u00eenso\u021bite, \u00een general, de dob\u00e2nd\u0103, care reprezint\u0103 o cheltuial\u0103 \u00een plus asumat\u0103.\u00a0 Orice sum\u0103 de bani datorat\u0103 cuiva persoan\u0103 fizic\u0103 sau entitate financiar\u0103, se nume\u0219te \u00eemprumut sau credit. Exist\u0103 c\u00e2teva tipuri de credite:<\/p><ul><li>Credite de nevoi personale,<\/li><li>credite imobiliare<\/li><li>credite pentru dezvolatrea afacerilor<\/li><li>alte forme de \u00eemprumuturi de la rudenii, sau prieteni.<\/li><\/ul><p><strong>Cum scap de \u00eemprumuturi sau de datorii?<\/strong><\/p><p>Exist\u0103 dou\u0103 variante:<\/p><ol><li>Suplimentarea veniturilor fie prin asumarea \u00een plus a unui serviciu de jum\u0103tate de norm\u0103, realizarea de proiecte suplimentare care s\u0103 genereze venituri. Aceast\u0103 variant\u0103 presupune riscul de a sacrifica rela\u021biile din familie de dragul veniturilor suplimentare.<\/li><li>Reducerea cheltuielilor. Prin bugetarea atent\u0103, este posibil s\u0103 elimin\u0103m cheltuieli care nu sunt strict necesare, care sunt mai degrab\u0103 legate de doirin\u021be, nu de nevoi. Cheltuielile pentru nevoi sunt fundamentale, aici fiind cuprinse plata ratei\/chiriei locuin\u021bei, alimenta\u021bie, facturi la utilit\u0103\u021bi, \u0219.a.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19b5300 elementor-widget elementor-widget-image\" data-id=\"19b5300\" 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\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/budget-2-1024x684.jpg\" class=\"attachment-large size-large wp-image-1512\" alt=\"\" srcset=\"https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/budget-2-1024x684.jpg 1024w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/budget-2-300x200.jpg 300w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/budget-2-768x513.jpg 768w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/budget-2.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\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<div class=\"elementor-element elementor-element-9c0acd9 elementor-widget elementor-widget-text-editor\" data-id=\"9c0acd9\" 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\t\t<p>Ambele variante presupun crearea unui\u00a0<strong>buget scris<\/strong>\u00a0\u0219i luarea\u00a0<strong>deciziei<\/strong>\u00a0(\u0219i implementarea ei strict\u0103) de a folosi fondurile rezultate din aplicarea m\u0103surii alese pentru plata datoriilor.\u00a0<\/p><ol><li>F\u0103 o list\u0103 cu toate posesiunile tale: locuin\u021b\u0103, ma\u0219in\u0103, mobilier, aparate electrocasnice, etc. Hot\u0103r\u0103\u0219te pe care dintre acestea le-ai putea valorifica pentru a achita din datorii.\u00a0<\/li><li>Alc\u0103tuie\u0219te o list\u0103 cu \u00eemprumuturile. Trebuie s\u0103 ai o imagine real\u0103 a st\u0103rii tale financiare curente. Pune \u0219i dob\u00e2nzile aferente fiec\u0103rui \u00eemprumut. Aceasta te va ajuta s\u0103 decizi ordinea \u00een care vei lichida datoriile.\u00a0<\/li><li>Stabile\u0219te un calendar de lichidare a \u00eemprumutuilor. Planificarea este cheia succesului. Hot\u0103r\u0103\u0219te tot aici ordinea de achitare a datoriilor. Aceast\u0103 decizie este influen\u021bat\u0103 de doi factori: M\u0103rimea datoriei \u0219i rata dob\u00e2nzii.<\/li><li>Una dintre strategiile cele mai de succes este Strategia denumit\u0103 \u201cBulg\u0103rele de z\u0103pad\u0103\u201d care presupune \u00eenceperea achit\u0103rii celor mai mici \u00eemprumuturi. Aceasta te va \u00eencuraja \u0219i totodat\u0103 va elibera fonduri pentru a achita urm\u0103toarele datorii. Privind la rata dob\u00e2nzii aferent\u0103 fiec\u0103rui \u00eemprumut, \u00eencepe prin a pl\u0103ti creditul care a re dob\u00e2nda cea mai mare, iar apoi celelelate credite.<\/li><li>Nu mai contracta alte datorii, \u0219i renun\u021b\u0103 la folosirea cardurilor de credit.\u00a0<\/li><li>\u00cenva\u021b\u0103 s\u0103 tr\u0103ie\u0219ti mul\u021bumit cu ceea ce ai<\/li><li>Ia \u00een considerare o schimbare radical\u0103 a stilului de via\u021b\u0103. Ai putea avea o via\u021b\u0103 la fel de bun\u0103 chiar dac\u0103 ai locui \u00eentr-o cas\u0103 mai mic\u0103, sau ai conduce o ma\u0219in\u0103 care nu e tocmai nou\u0103, dac\u0103 nu ai fi la curent cu ultimul trend din mod\u0103 sau dac\u0103 ai alege s\u0103 mergi \u00eentr-un concediu modest.\u00a0<\/li><li>Ia \u00een considerare participarea la un curs detaliat de finan\u021be personale.\u00a0<\/li><\/ol><p><strong>Nu renun\u021ba! Mai ales dac\u0103 ai e\u0219uat, ridic\u0103-te din nou \u0219i nu l\u0103sa s\u0103 moar\u0103 visul adev\u0103ratei libert\u0103\u021bi financiare, o via\u021b\u0103 f\u0103r\u0103 datorii.\u00a0<\/strong><\/p>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Educa\u021bie Financiar\u0103: Cum \u00eemi mic\u0219orez \u00eemprumuturile \u00cen via\u021ba cotidian\u0103 li se \u00eent\u00e2mpl\u0103 multor oameni s\u0103 nu \u00ee\u0219i cunoasc\u0103 nici nivelul real al veniturilor, nici pe cel al cheltuielilor, s\u0103 cheltuie mai mult dec\u00e2t \u00eencaseaz\u0103 \u0219i s\u0103 apeleze la \u00eemprumuturi pentru a acoperi diferen\u021ba. \u00cemprumuturile sunt \u00eenso\u021bite, \u00een general, de dob\u00e2nd\u0103, care reprezint\u0103 o cheltuial\u0103 \u00een [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1417,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1377","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry","has-media","owp-thumbs-layout-horizontal","owp-btn-normal","owp-tabs-layout-horizontal","has-no-thumbnails","has-product-nav"],"_links":{"self":[{"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts\/1377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1377"}],"version-history":[{"count":27,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts\/1377\/revisions"}],"predecessor-version":[{"id":1519,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts\/1377\/revisions\/1519"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/media\/1417"}],"wp:attachment":[{"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}