{"id":72954,"date":"2022-10-10T09:02:50","date_gmt":"2022-10-10T07:02:50","guid":{"rendered":"https:\/\/atena.sk\/blog\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/"},"modified":"2023-08-02T09:23:13","modified_gmt":"2023-08-02T07:23:13","slug":"cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/","title":{"rendered":"Cum s\u0103 v\u0103 gestiona\u021bi finan\u021bele pe timp de infla\u021bie record?"},"content":{"rendered":"\n

Pre\u021burile la aproape orice cresc. Infla\u021bia bate record dup\u0103 record. S-ar putea s\u0103 fi\u021bi norocos dac\u0103 angajatorul dumneavoastr\u0103 v\u0103 acord\u0103 o cre\u0219tere salarial\u0103 sau un bonus din aceast\u0103 cauz\u0103, dar chiar dac\u0103 o face, cre\u0219terea salarial\u0103 nu va fi \u00een niciun caz propor\u021bional\u0103 cu cre\u0219terea pre\u021burilor \u0219i cu infla\u021bia.<\/p>\n\n

La fel ca toat\u0103 lumea, ave\u021bi un anumit nivel de trai \u0219i munci\u021bi pentru a-l men\u021bine sau \u00eembun\u0103t\u0103\u021bi. Din p\u0103cate, acum nu este cel mai bun moment pentru a o \u00eembun\u0103t\u0103\u021bi \u0219i, din cauza infla\u021biei, nu va fi u\u0219or s\u0103 o men\u021binem. Cu toate acestea, cu c\u00e2teva decizii bune, pute\u021bi face fa\u021b\u0103 f\u0103r\u0103 probleme tuturor acestor fluctua\u021bii economice. Iat\u0103 ce trebuie s\u0103 face\u021bi:<\/p>\n\n

Rezerva financiar\u0103<\/h2>\n\n

Drumul spre stabilitate financiar\u0103 este lung \u0219i nu exist\u0103 un loc mai bun pentru a \u00eencepe dec\u00e2t \u00eenceputul. Nu conteaz\u0103 dac\u0103 c\u00e2\u0219tiga\u021bi salariul minim sau milioane de euro – o rezerv\u0103 financiar\u0103 este o necesitate! Exper\u021bii recomand\u0103 s\u0103 ave\u021bi \u00eentotdeauna economisit salariul pe trei p\u00e2n\u0103 la \u0219ase luni<\/strong>.<\/p>\n\n

Av\u00e2nd \u00een vedere infla\u021bia actual\u0103 \u0219i pre\u021burile \u00een cre\u0219tere ale energiei, multe \u00eentreprinderi \u00ee\u0219i \u00eenceteaz\u0103 activitatea. \u00cen cazul \u00een care v\u0103 num\u0103ra\u021bi printre cei ghinioni\u0219ti care \u00ee\u0219i pierd locul de munc\u0103, este mult mai bine s\u0103 v\u0103 lua\u021bi ceva timp pentru a g\u0103si un loc de munc\u0103 bun, dec\u00e2t s\u0103 v\u0103 gr\u0103bi\u021bi s\u0103 accepta\u021bi primul post vacant pe care \u00eel vede\u021bi, doar pentru c\u0103 nu v\u0103 pute\u021bi permite s\u0103 r\u0103m\u00e2ne\u021bi f\u0103r\u0103 slujb\u0103 timp de o lun\u0103 sau dou\u0103.<\/p>\n\n

Poate c\u0103 unora dintre voi nu v\u0103 place, dar faptul c\u0103 nu c\u00e2\u0219tiga\u021bi suficient pentru a avea o rezerv\u0103 financiar\u0103 nu este o scuz\u0103. Nu conteaz\u0103 c\u00e2t de mult c\u00e2\u0219tiga\u021bi – pute\u021bi g\u0103si \u00eentotdeauna o modalitate de a pune deoparte cinci sau zece procente. Iat\u0103 c\u00e2teva idei despre cum se poate face acest lucru.<\/p>\n\n

Economisirea banilor pe energie electric\u0103<\/h2>\n\n

\u00cen primul r\u00e2nd, nu folosi\u021bi nimic de care nu ave\u021bi nevoie. Nu are rost s\u0103 l\u0103sa\u021bi calculatorul pornit noaptea sau luminile aprinse atunci c\u00e2nd p\u0103r\u0103si\u021bi camera. Este ca \u0219i cum ai arunca banii pe fereastr\u0103. Cump\u0103ra\u021bi becuri LED. De\u0219i sunt mai ieftine, becurile conven\u021bionale sunt extrem de ineficiente. Becul cu LED va dura de p\u00e2n\u0103 la 25 de ori <\/strong>mai mult. \u00cen plus, \u00een func\u021bie de calitate, consum\u0103 cu 75-90%<\/strong> mai pu\u021bin\u0103 energie electric\u0103. <\/p>\n\n

\"\"<\/a><\/figure>\n\n

Nu cump\u0103ra\u021bi lucruri de care nu ave\u021bi nevoie \u00een perioada de infla\u021bie record<\/h2>\n\n

Pe m\u0103sur\u0103 ce pl\u0103ti\u021bi mai mult pentru combustibil, electricitate \u0219i alimente, unele dintre celelalte cheltuieli trebuie s\u0103 scad\u0103. \u00cenainte de a merge la cump\u0103r\u0103turi, face\u021bi o list\u0103 \u0219i \u00eemp\u0103r\u021bi\u021bi-o \u00een „nevoie” \u0219i „dorin\u021b\u0103”. Pune\u021bi toate lucrurile esen\u021biale pe care le cump\u0103ra\u021bi pentru o via\u021b\u0103 confortabil\u0103 \u00een sec\u021biunea „Am nevoie”. \u00cen c\u0103su\u021ba „Vreau”, scrie\u021bi cheltuielile care v\u0103 \u00eembun\u0103t\u0103\u021besc via\u021ba, dar de care v\u0103 pute\u021bi lipsi. Acum taie coloana „Vreau” \u0219i arunc-o la gunoi. Este mult mai bine s\u0103 alege\u021bi pe baza logicii \u0219i nu a emo\u021biilor atunci c\u00e2nd face\u021bi cump\u0103r\u0103turi.<\/p>\n\n

Odat\u0103 ce ai o rezerv\u0103 financiar\u0103 \u0219i te asiguri c\u0103 c\u00e2\u0219tigi mai mult dec\u00e2t cheltuie\u0219ti, po\u021bi s\u0103 te \u00eentorci la partea de „dorin\u021be” din lista de cump\u0103r\u0103turi \u0219i s\u0103 te recompensezi pentru o treab\u0103 bine f\u0103cut\u0103!<\/p>\n\n

C\u00e2\u0219tiga\u021bi mai mult \u0219i recupera\u021bi diferen\u021ba cauzat\u0103 de infla\u021bie<\/h2>\n\n

Dac\u0103 sunte\u021bi genul de persoan\u0103 care nu poate tr\u0103i f\u0103r\u0103 obiectele de pe lista de „dorin\u021be” \u0219i dori\u021bi s\u0103 v\u0103 \u00eembun\u0103t\u0103\u021bi\u021bi constant nivelul de trai, trebuie s\u0103 \u00eencepe\u021bi s\u0103 c\u00e2\u0219tiga\u021bi mai mult. Este important s\u0103 cerceta\u021bi pia\u021ba \u0219i s\u0103 v\u0103 asigura\u021bi c\u0103 c\u00e2\u0219tiga\u021bi un salariu adecvat pentru munca pe care o face\u021bi.<\/p>\n\n

\"\"<\/a><\/figure>\n\n

Poate c\u0103 nu suntem exper\u021bi \u00een finan\u021be personale, dar \u00een\u021belegem foarte bine pia\u021ba muncii. Am dovedit-o timp de 14 ani<\/strong>. \u00cen fiecare lun\u0103 ajut\u0103m sute de oameni s\u0103 \u00ee\u0219i g\u0103seasc\u0103 locuri de munc\u0103 mai bune \u0219i, \u00een esen\u021b\u0103, \u00eei ajut\u0103m s\u0103 aib\u0103 o via\u021b\u0103 mai bun\u0103. C\u00e2nd vi se stric\u0103 ma\u0219ina, chema\u021bi un mecanic. C\u00e2nd te \u00eemboln\u0103ve\u0219ti, te duci la doctor. Nu ar trebui s\u0103 prime\u0219ti ajutor de la un profesionist \u0219i pentru unul dintre cele mai importante aspecte ale vie\u021bii tale – slujba ta? Lucra\u021bi cu profesioni\u0219ti, succesul nu este un accident. <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cenv\u0103\u021ba\u021bi cum s\u0103 face\u021bi un buget \u00een perioadele de fluctua\u021bii financiare. R\u0103m\u00e2ne\u021bi cu un pas \u00eenaintea infla\u021biei \u0219i preg\u0103ti\u021bi-v\u0103 pentru ce este mai r\u0103u, \u00eencerc\u00e2nd \u00een acela\u0219i timp s\u0103 face\u021bi tot ce este mai bine.<\/p>\n","protected":false},"author":20,"featured_media":72837,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[81,118],"tags":[],"acf":{"facebookpost":"\u00centotdeauna a fost important s\u0103 fii responsabil din punct de vedere financiar ? dar, av\u00e2nd \u00een vedere pre\u021burile actuale \u0219i infla\u021bia, fiecare decizie financiar\u0103 pe care o iei este crucial\u0103. ? Afla\u021bi ce trebuie s\u0103 face\u021bi \u0219i ce nu trebuie s\u0103 face\u021bi c\u00e2nd vine vorba de bani \u00een perioade de fluctua\u021bii financiare. ","popis_socialneho_obrazku":""},"yoast_head":"\nCum s\u0103 v\u0103 gestiona\u021bi finan\u021bele pe timp de infla\u021bie record? - Atena blog<\/title>\n<meta name=\"description\" content=\"Infla\u021bia love\u0219te \u00eentreprinderile \u0219i oamenii. \u00cenv\u0103\u021ba\u021bi s\u0103 fi\u021bi cu un pas \u00eenainte \u00een ceea ce prive\u0219te finan\u021bele dvs. pentru a rezolva problemele care v\u0103 stau \u00een cale.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum s\u0103 v\u0103 gestiona\u021bi finan\u021bele pe timp de infla\u021bie record?\" \/>\n<meta property=\"og:description\" content=\"Infla\u021bia love\u0219te \u00eentreprinderile \u0219i oamenii. \u00cenv\u0103\u021ba\u021bi s\u0103 fi\u021bi cu un pas \u00eenainte \u00een ceea ce prive\u0219te finan\u021bele dvs. pentru a rezolva problemele care v\u0103 stau \u00een cale.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\" \/>\n<meta property=\"og:site_name\" content=\"Atena blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-10T07:02:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-02T07:23:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/10\/1-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2780\" \/>\n\t<meta property=\"og:image:height\" content=\"1855\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marin Nedelev\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marin Nedelev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\"},\"author\":{\"name\":\"Marin Nedelev\",\"@id\":\"https:\/\/atena.sk\/blog\/ro\/#\/schema\/person\/0ae6c6390563d6555f91b0db4767e168\"},\"headline\":\"Cum s\u0103 v\u0103 gestiona\u021bi finan\u021bele pe timp de infla\u021bie record?\",\"datePublished\":\"2022-10-10T07:02:50+00:00\",\"dateModified\":\"2023-08-02T07:23:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\"},\"wordCount\":828,\"publisher\":{\"@id\":\"https:\/\/atena.sk\/blog\/ro\/#organization\"},\"image\":{\"@id\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/10\/1-scaled.jpeg\",\"articleSection\":[\"Clien\u021bi\",\"consiliere juridic\u0103\"],\"inLanguage\":\"ro-RO\"},{\"@type\":[\"WebPage\",\"ItemPage\"],\"@id\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\",\"url\":\"https:\/\/atena.sk\/blog\/ro\/cum-sa-va-gestionati-finantele-pe-timp-de-inflatie-record\/\",\"name\":\"Cum s\u0103 v\u0103 gestiona\u021bi finan\u021bele pe timp de infla\u021bie record? 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