{"id":1402,"date":"2024-01-04T08:32:29","date_gmt":"2024-01-04T08:32:29","guid":{"rendered":"https:\/\/www.caractiv.ro\/?p=1402"},"modified":"2024-01-29T06:15:39","modified_gmt":"2024-01-29T06:15:39","slug":"articolul-1-2","status":"publish","type":"post","link":"https:\/\/www.caractiv.ro\/?p=1402","title":{"rendered":"Educa\u021bie Financiar\u0103 &#8211; Despre Economisire"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1402\" class=\"elementor elementor-1402\">\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: Despre economisire<\/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><strong>Cum s\u0103 economisesc c\u00e2nd abia \u00eemi ajung banii p\u00e2n\u0103 la urm\u0103torul salariu? De ce s\u0103 mai economisesc c\u00e2nd infla\u021bia e mare \u0219i puterea de cump\u0103rare este at\u00e2t de fluctuant\u0103?<\/strong><\/p><p><strong>Economisirea este opusul datoriei.<\/strong>\u00a0Ea presupune acumularea de resurse financiare pentru viitor, \u00een timp ce \u00eendatorarea pleac\u0103 de la premisa \u201emagic\u0103\u201d precum c\u0103 m\u00e2ine va fi mai bine dec\u00e2t azi.\u00a0<\/p><p>C\u00e2teva sugestii pentru o economisire eficient\u0103:\u00a0<\/p><ul><li>Pl\u0103te\u0219te-te mai \u00eent\u00e2i pe tine! Primul pas presupune ca \u00een ziua de salariu s\u0103 pui deoparte sumele destinate economisirii.\u00a0<\/li><li>Pune deoparte, dup\u0103 posibilit\u0103\u021bi, \u00eentre 10 \u0219i 20% din venitul t\u0103u. \u021ai se va p\u0103rea greu la \u00eenceput, \u00eens\u0103 cu timpul vei reu\u0219i.\u00a0<\/li><li>Decide unde vei depune acei bani, a\u0219a \u00eenc\u00e2t s\u0103 nu ai acces u\u0219or la ei.<\/li><li>Po\u021bi decide s\u0103 \u00eempar\u021bi suma pus\u0103 deoparte \u00een economii pe termen scurt \u0219i economii pe termen lung.<\/li><\/ul>\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-6c7e7c6 elementor-widget elementor-widget-image\" data-id=\"6c7e7c6\" 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=\"683\" src=\"https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/car-activ-economii-1024x683.jpg\" class=\"attachment-large size-large wp-image-1497\" alt=\"\" srcset=\"https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/car-activ-economii-1024x683.jpg 1024w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/car-activ-economii-300x200.jpg 300w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/car-activ-economii-768x512.jpg 768w, https:\/\/www.caractiv.ro\/wp-content\/uploads\/2024\/01\/car-activ-economii.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-8c3e21d elementor-widget elementor-widget-text-editor\" data-id=\"8c3e21d\" 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><strong>Economiile pe termen scurt<\/strong>\u00a0sunt acele sume u\u0219or accesibile, de tipul conturilor la diverse institu\u021bii financiare (b\u0103nci, CAR, etc.) sau \u00een societ\u0103\u021bi de investi\u021bii. Scopul lor este acumularea de fonduri pentru achizi\u021bionarea \u00een viitor a unor aparate, unelte, sau pentru repara\u021bii\/\u00eembun\u0103t\u0103\u021biri ale locuin\u021bei, constituirea unui avans \u00een vederea achizi\u021bion\u0103rii unei locuin\u021be, etc. De asemenea pot servi pentru acoperirea unor urgen\u021be financiare: pierderea locului de munc\u0103, \u00eemboln\u0103viri\/accidente. Pentru aceast\u0103 situa\u021bie, se recomand\u0103 economisirea unei sume echivalente cu 6 salarii lunare.<\/p><p><strong>Economiile pe termen lung<\/strong>\u00a0se fac \u00een vederea acumul\u0103rii de fonduri pentru pensie, pentru cheltuielile de facultate ale copiilor sau pentru l\u0103sarea unei mo\u0219teniri. Cu excep\u021bia unor situa\u021bii urgente grave, aceste fonduri nu trebuie folosite \u00een nici un alt scop dec\u00e2t cel stabilit ini\u021bial.\u00a0<\/p><p><strong>Dob\u00e2nda la dob\u00e2nd\u0103.<\/strong>\u00a0Se spune c\u0103 Baronul Rotschild, unul dintre cei mai boga\u021bi bancheri care au existat, a fost \u00eentrebat odat\u0103 dac\u0103 poate enumera cele \u0218apte Minuni ale Lumii. R\u0103spunsul s\u0103u i-a surprins pe to\u021bi cei de fa\u021b\u0103: Nu, dar v\u0103 pot spune care este ce-a de-a opta minune a lumii &#8211; dob\u00e2nda la dob\u00e2nd\u0103.\u00a0<\/p><p>Po\u021bi face ca banii s\u0103 lucreze \u00een favoarea ta folosind \u00een\u021belepciunea din spatele dob\u00e2nzii la dob\u00e2nd\u0103.\u00a0<\/p><p>Avantajul adus de dob\u00e2nda compus\u0103 depinde de trei variabile: suma economisit\u0103, dob\u00e2nda \u0219i perioada.<\/p><p>Suma economisit\u0103 este acea sum\u0103, stabilit\u0103 de noi \u00een func\u021bie de venit, costurile vie\u021bii, nivelul creditelor \u0219i al\u021bi factori.\u00a0<\/p><p>Rata dob\u00e2nzii depinde de genul de depozit pe care \u00eel facem.\u00a0<\/p><p>Timpul este un factor asupra c\u0103ruia nu avem control, dar cu c\u00e2t durata de economisire este mai mare cu at\u00e2t avantajele dob\u00e2nzii compuse sunt mai mari.\u00a0<\/p><p>Produsele financiare de economisire oferite de CAR Activ au dob\u00e2nzi foarte avantajoase, folosesc acest mecanism de dob\u00e2nd\u0103 la dob\u00e2nda, sunt sigure, iar dob\u00e2nzile lor nu sunt impozabile.\u00a0<\/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: Despre economisire Cum s\u0103 economisesc c\u00e2nd abia \u00eemi ajung banii p\u00e2n\u0103 la urm\u0103torul salariu? De ce s\u0103 mai economisesc c\u00e2nd infla\u021bia e mare \u0219i puterea de cump\u0103rare este at\u00e2t de fluctuant\u0103? Economisirea este opusul datoriei.\u00a0Ea presupune acumularea de resurse financiare pentru viitor, \u00een timp ce \u00eendatorarea pleac\u0103 de la premisa \u201emagic\u0103\u201d precum c\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1379,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1402","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\/1402","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=1402"}],"version-history":[{"count":11,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts\/1402\/revisions"}],"predecessor-version":[{"id":1505,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/posts\/1402\/revisions\/1505"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=\/wp\/v2\/media\/1379"}],"wp:attachment":[{"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caractiv.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}