{"id":1093,"date":"2022-04-27T11:48:17","date_gmt":"2022-04-27T08:48:17","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1093"},"modified":"2022-04-27T11:48:19","modified_gmt":"2022-04-27T08:48:19","slug":"curatenia-financiara-de-primavara-sfaturi-despre-organizarea-bugetului-personal-evaluarea-si-ajustarea-cheltuielilor","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/curatenia-financiara-de-primavara-sfaturi-despre-organizarea-bugetului-personal-evaluarea-si-ajustarea-cheltuielilor\/","title":{"rendered":"Cur\u0103\u021benia financiar\u0103 de primavar\u0103 \u2013 sfaturi despre organizarea bugetului personal, evaluarea \u0219i ajustarea cheltuielilor"},"content":{"rendered":"<figure id=\"attachment_1105\" aria-describedby=\"caption-attachment-1105\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1105 size-medium\" src=\"https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2022\/03\/organizare-buget2-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2022\/03\/organizare-buget2-300x200.jpg 300w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2022\/03\/organizare-buget2-1024x683.jpg 1024w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2022\/03\/organizare-buget2-768x512.jpg 768w, https:\/\/www.cursvalutar.ro\/blog\/wp-content\/uploads\/2022\/03\/organizare-buget2.jpg 1200w\" sizes=\"auto, (max-width: 300px) 85vw, 300px\" \/><figcaption id=\"caption-attachment-1105\" class=\"wp-caption-text\">Sursa foto: <a href=\"https:\/\/www.pexels.com\/photo\/composition-of-calculator-with-paper-money-and-notebook-with-pen-4386341\/\">pexels.com<\/a><\/figcaption><\/figure>\n<p>Cu to\u021bii \u0219tim c\u00e2t de important\u0103 este gestionarea bugetului personal deoarece acest lucru ne ajut\u0103 s\u0103 \u0219tim exact ce cheltuieli avem, cum le putem gestiona mai bine \u0219i cum le putem ajusta astfel \u00eenc\u00e2t s\u0103 avem posibilitatea de a economisi, de a ne permite lucrurile pe care ni le dorim \u0219i chiar de a <a href=\"https:\/\/www.cursvalutar.ro\/blog\/10-mituri-despre-investitiile-la-bursa\/\" target=\"_blank\" rel=\"noopener\">investi<\/a> pentru a ob\u021bine venituri pasive \u00een viitor.<\/p>\n<p>Dar, atunci c\u00e2nd vine vorba despre a face acest lucru, nu \u0219tim \u00eentotdeauna de unde putem \u00eencepe, care sunt cele mai bune metode de a ne <a href=\"https:\/\/www.cursvalutar.ro\/blog\/cum-sa-ti-organizezi-bugetul-dupa-regula-50-30-20\/\" target=\"_blank\" rel=\"noopener\">organiza bugetul<\/a> personal \u0219i cum \u00eel putem maximiza. Iat\u0103 c\u00e2teva sfaturi, din experien\u021ba noastr\u0103, care te vor ajuta s\u0103 \u00ee\u021bi gestionezi mai bine bugetul personal. \u0218i po\u021bi \u00eencepe s\u0103 le aplici chiar de ast\u0103zi, pentru a face cur\u0103\u021benia financiar\u0103 de prim\u0103var\u0103.<\/p>\n<h2>1. F\u0103-\u021bi o list\u0103 cu toate veniturile \u0219i cheltuielile lunare \/ anuale pentru a-\u021bi determina bugetul personal<\/h2>\n<p>Indiferent c\u0103 vorbim despre bugetul personal sau bugetul unei familii, te po\u021bi ajuta de un tabel simplu, cu dou\u0103 coloane, unde \u00eentr-o coloan\u0103 vei trece veniturile \u0219i \u00een cealalt\u0103 coloan\u0103 cheltuielile.<\/p>\n<p><strong>Veniturile bugetului personal trebuie s\u0103 fie cele nete \u0219i pot fi:<\/strong><\/p>\n<ul>\n<li>Salariul<\/li>\n<li>Aloca\u021bia copilului<\/li>\n<li>Asisten\u021b\u0103 maternal\u0103<\/li>\n<li>Pensie<\/li>\n<li>Ajutor din partea statului<\/li>\n<li>Bonusuri periodice<\/li>\n<li>Chirii<\/li>\n<li>Dividende<\/li>\n<li>Orice alt venit<\/li>\n<\/ul>\n<p>Pentru a \u021bine mai u\u0219or eviden\u021ba cheltuielilor, po\u021bi \u00eemp\u0103r\u021bi aceast\u0103 categorie \u00een patru segmente: cheltuieli aferente locuin\u021bei, cheltuieli legate de ma\u0219in\u0103\/transport, alte cheltuieli fixe \u0219i cheltuieli variabile.<\/p>\n<p><strong>Cheltuielile aferente locuin\u021bei pot include:<\/strong><\/p>\n<ul>\n<li>Chirie<\/li>\n<li>Ipotec\u0103<\/li>\n<li>Utilit\u0103\u021bi \u2013 \u00eentre\u021binere, \u00eenc\u0103lzire, electricitate etc.<\/li>\n<li>Asigur\u0103ri pentru locuin\u021b\u0103<\/li>\n<li>Renov\u0103ri<\/li>\n<li>Cur\u0103\u021benie, mentenan\u021b\u0103, repara\u021bii<\/li>\n<li>Cheltuielile aferente ma\u0219inii \/ transportului pot include:<\/li>\n<li>Credit auto<\/li>\n<li>Asigur\u0103ri<\/li>\n<li>Combustibil<\/li>\n<li>Mentenan\u021b\u0103 \u0219i repara\u021bii<\/li>\n<li>Taxe de drum<\/li>\n<li>Abonamente transport \u00een comun<\/li>\n<\/ul>\n<p><strong>Cheltuielile fixe pot include:<\/strong><\/p>\n<ul>\n<li>Asigur\u0103ri (de s\u0103n\u0103tate, de via\u021b\u0103)<\/li>\n<li>Abonamente (telefonie mobil\u0103, internet \u0219i cablu TV, Netflix, sal\u0103 fitness)<\/li>\n<li>Economii (dac\u0103 \u021bi-ai setat o sum\u0103 fix\u0103 lunar\u0103 pe care vrei s\u0103 o economise\u0219ti)<\/li>\n<\/ul>\n<p><strong>Cheltuielile variabile pot include:<\/strong><\/p>\n<ul>\n<li>M\u00e2ncare<\/li>\n<li>Produse de \u00eengrijire personal\u0103<\/li>\n<li>\u00cembr\u0103c\u0103minte \u0219i \u00eenc\u0103l\u021b\u0103minte<\/li>\n<li>Activit\u0103\u021bi de relaxare<\/li>\n<li>Cump\u0103r\u0103turi online<\/li>\n<li>Vacan\u021be<\/li>\n<\/ul>\n<h2>2. Stabile\u0219te dac\u0103 vei calcula bugetul personal pe lun\u0103 sau pe an<\/h2>\n<p>Stabilirea unui buget personal lunar sau anual depinde doar de ce vrei s\u0103 ob\u021bii. Un buget personal lunar poate fi mai u\u0219or de stabilit \u0219i urm\u0103rit, dac\u0103 spre exemplu toate veniturile tale sunt \u00eencasate lunar. Dar dac\u0103 ai \u0219i venituri anuale, cum ar fi investi\u021biile sau <a href=\"https:\/\/www.cursvalutar.ro\/blog\/ce-sunt-dividendele-si-cum-se-calculeaza\/\" target=\"_blank\" rel=\"noopener\">dividendele<\/a>, atunci un venit anual \u00ee\u021bi va fi mai de folos. Po\u021bi \u00eencepe prin stabilirea unui buget personal lunar, pe care s\u0103 \u00eel adaptezi la unul anual.<\/p>\n<h2>3. Ajusteaz\u0103 real cheltuielile din bugetul personal<\/h2>\n<p>Cheltuielile din bugetul personal pot fluctua din cauza unor factori externi, cum ar fi infla\u021bia, indicele ROBOR sau IRCC, pre\u021bul carburantului etc. Astfel, \u00ee\u021bi recomand\u0103m s\u0103 ajustezi lunar sau trimestrial cheltuielile cu sume reale.<\/p>\n<h2>4. Redu cheltuielile din bugetul personal<\/h2>\n<p>F\u0103 o evaluare obiectiv\u0103 a tuturor cheltuielilor din bugetul personal \u0219i g\u00e2nde\u0219te-te dac\u0103 ai cu adev\u0103rat nevoie de toate lucrurile pe care <a href=\"https:\/\/www.cursvalutar.ro\/blog\/trucuri-pentru-a-evita-cheltuielile-din-impuls\/\" target=\"_blank\" rel=\"noopener\">cheltui bani<\/a> lunar sau anual. Pot exista o mul\u021bime de segmente din care po\u021bi economisi.<\/p>\n<p><strong>Iat\u0103 c\u00e2teva sfaturi pentru a-\u021bi reduce cheltuielile:<\/strong><\/p>\n<ul>\n<li>\u00cenlocuie\u0219te ma\u0219ina personal\u0103 cu transportul \u00een comun, m\u0103car jum\u0103tate din lun\u0103<\/li>\n<li>Renun\u021b\u0103 la abonamentele lunare pe care poate nu le mai folose\u0219ti at\u00e2t de mult (cum ar fi YouTube Premium, Netflix, Amazon Prime, HBO Max etc.)<\/li>\n<li>Schimb\u0103-\u021bi abonamentul de telefonie mobil\u0103, internet sau cablu TV cu o variant\u0103 mai ieftin\u0103<\/li>\n<li>Alege s\u0103 tr\u0103ie\u0219ti mai sustenabil \u0219i economise\u0219te la consumul de ap\u0103, electricitate, gaz etc.<\/li>\n<li>Cump\u0103r\u0103 mai rar haine \u0219i \u00eenc\u0103l\u021b\u0103minte de calitate<\/li>\n<li>Alege s\u0103 faci cump\u0103r\u0103turile din pia\u021b\u0103 sau de la produc\u0103tori versus de la supermarket<\/li>\n<\/ul>\n<h2>5. Monitorizeaz\u0103 cheltuielile din bugetul personal \u0219i fii disciplinat<\/h2>\n<p>\u00cen cele din urm\u0103, men\u021binerea unui buget personal depinde doar de tine. Nu va fi u\u0219or, dar nici greu, tot ce trebuie s\u0103 faci este s\u0103 te autodisciplinezi. Tu ai controlul, a\u0219a c\u0103 dac\u0103 vrei ca la final de lun\u0103 sau de an s\u0103 ai un rezultat financiar pozitiv (economii, achizi\u021bii, investi\u021bii etc.) trebuie s\u0103 prive\u0219ti cheltuielile obiectiv \u0219i s\u0103 fii dispus s\u0103 renun\u021bi la anumite mofturi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0103-\u021bi gestionezi bugetul personal poate fi o sarcin\u0103 descurajatoare, dar sunt c\u00e2teva sfaturi care te vor ajuta s\u0103 \u00ee\u021bi organizezi bugetul personal astfel \u00eenc\u00e2t s\u0103-\u021bi atingi obiectivele dorite \u0219i s\u0103 te bucuri mai mult de banii t\u0103i.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1093","post","type-post","status-publish","format-standard","hentry","category-timp-liber"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - 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Urm\u0103resc cu aten\u021bie ecosistemul startup-urilor \u0219i acop\u0103r subiecte diverse ce \u021bin de educa\u021bie financiar\u0103, lifestyle \u0219i c\u0103l\u0103torii, antreprenoriat, e-commerce &amp; digital marketing. \u00cemi place s\u0103 documentez temeinic fiecare subiect \u0219i s\u0103 scriu pe \u00een\u021belesul tuturor, astfel adaptez textele c\u00e2t s\u0103 le poat\u0103 \u00een\u021belege \u0219i bunica mea. :) Cred cu t\u0103rie c\u0103 informa\u021bia \u00eenseamn\u0103 putere, iar \u00eenv\u0103\u021barea este un proces care nu ar trebui s\u0103 se opreasc\u0103 niciodat\u0103. 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