{"id":480,"date":"2020-04-01T11:58:48","date_gmt":"2020-04-01T08:58:48","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=480"},"modified":"2020-04-01T12:17:13","modified_gmt":"2020-04-01T09:17:13","slug":"cum-te-pregatesti-mai-bine-in-caz-de-criza-financiara","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/cum-te-pregatesti-mai-bine-in-caz-de-criza-financiara\/","title":{"rendered":"Cum te preg\u0103te\u0219ti mai bine \u00een caz de criz\u0103 financiar\u0103?"},"content":{"rendered":"

\"UnCum te preg\u0103te\u0219ti pentru o criz\u0103 financiar\u0103 atunci c\u00e2nd nu o po\u021bi anticipa? Greu de zis. Cu toate acestea, de c\u00e2\u021biva ani se tot anun\u021b\u0103 c\u0103 vom intra \u00eentr-o criz\u0103 financiar\u0103, dar pentru c\u0103 nu i-am resim\u021bit efectele la nivel personal, ne-am v\u0103zut fiecare de propriile planuri. Pentru c\u0103 ne afl\u0103m \u00eentr-un context \u00een care se vorbe\u0219te mult despre o posibil\u0103 criz\u0103 financiar\u0103 declan\u0219at\u0103 de Coronavirus<\/a>  este bine s\u0103 \u00eencepem s\u0103 ne antren\u0103m pentru un astfel de scenariu.<\/p>\n

Cum ne preg\u0103tim pentru o criz\u0103 financiar\u0103 urm\u0103toare sau declan\u0219at\u0103 deja?<\/h2>\n

Chiar dac\u0103 nu putem anticipa o criz\u0103 financiar\u0103 este bine s\u0103 ne educ\u0103m din punct de vedere economic \u0219i s\u0103 \u021bintim s\u0103 facem un stil de via\u021b\u0103 din asta. Dac\u0103 reu\u0219e\u0219ti s\u0103 \u00een\u021belegi ce tip de cheltuitor<\/a> e\u0219ti \u0219i jonglezi cu acest aspect \u00een obiectivele tale, vei reu\u0219i s\u0103 \u00ee\u021bi oferi beneficiile sau protec\u021bia de care ai nevoie pe termen lung.<\/p>\n

Tocmai pentru c\u0103 nu \u0219tii c\u00e2nd poate fi declan\u0219at\u0103 o criz\u0103, e recomandat s\u0103 te preg\u0103te\u0219ti activ pentru ea, astfel \u00eenc\u00e2t s\u0103 \u0219tii s\u0103 \u00ee\u021bi organizezi resursele pentru o stabilitate c\u00e2t mai lung\u0103. O astfel de antrenare economic\u0103 \u0219i o \u00een\u021belegere a activit\u0103\u021bii financiare te ajut\u0103 cel pu\u021bin s\u0103 \u00ee\u021bi reconfigurezi bun\u0103starea atunci c\u00e2nd situa\u021biile critice modific\u0103 grav contextul economic \u00eentr-un timp foarte scurt. Iar \u00een orice criz\u0103 financiar\u0103, sunt \u00eentotdeauna c\u00e2teva ac\u021biuni care \u021bin de noi pentru a ne preg\u0103ti.<\/p>\n

F\u0103-\u021bi o list\u0103 de venituri \u0219i cheltuieli<\/h2>\n

Ca s\u0103 \u00ee\u021bi po\u021bi stabili compromisuri financiare sau s\u0103 \u00ee\u021bi implementezi un control economic, este foarte important s\u0103 \u0219tii pe ce se duc veniturile tale. Cunosc\u00e2ndu-\u021bi stilul de via\u021b\u0103, \u00ee\u021bi va fi clar oric\u00e2nd la ce po\u021bi \u0219i trebuie s\u0103 renun\u021bi \u0219i la ce nu, chiar \u0219i atunci c\u00e2nd nu \u00ee\u021bi propui neap\u0103rat s\u0103 \u00ee\u021bi limitezi achizi\u021biile. Este tot o etap\u0103 preg\u0103titoare pentru situa\u021bii de criz\u0103.<\/p>\n

Reconfigureaz\u0103-\u021bi cheltuielile \u00een func\u021bie de priorit\u0103\u021bi<\/h2>\n

Acum c\u0103 ai aflat pe ce se duc banii t\u0103i, \u00eemparte-\u021bi lista \u00een priorit\u0103\u021bi (alimente, facturi, chirie, consumabile lunare de \u00eentre\u021binere) \u0219i nevoi secundare (tabieturi, hobby-uri, vacan\u021be, etc). Nu t\u0103ia nimic, pentru c\u0103 astfel vei putea s\u0103 transformi nevoile personale \u00een obiective. De exemplu, dac\u0103 discut\u0103m despre vacan\u021be<\/a>, achizi\u021bionarea unei ma\u0219ini, sau alte lucruri importante pentru tine pe termen mediu, vei \u0219ti care este momentul ideal s\u0103 le treci pe lista priorit\u0103\u021bilor sau \u00ee\u021bi vei putea crea o schem\u0103 financiar\u0103 pentru \u00eendeplinirea lor.<\/p>\n

Minimizez\u0103-\u021bi costurile pe termen scurt, mediu \u0219i lung<\/h2>\n

Acum c\u0103 ai lista priorit\u0103\u021bilor lunare de care \u021bi-e imposibil s\u0103 te lipse\u0219ti, \u00eencearc\u0103 s\u0103 reduci c\u00e2t de mult costul pentru fiecare dintre ele. Seteaz\u0103-\u021bi un comportament optim de consum \u0219i folose\u0219te \u00een mod econom resursele cu care ai nevoie s\u0103 tr\u0103ie\u0219ti. Adapteaz\u0103-\u021bi lista de cump\u0103r\u0103turi la ce ai strict nevoie, \u00eencearc\u0103 s\u0103 \u00ee\u021bi creezi un program alimentar \u0219i s\u0103 nu risipe\u0219ti m\u00e2ncarea, minimizeaz\u0103-\u021bi facturile la energia electric\u0103 \u0219i gaz c\u00e2t po\u021bi de mult, s.a.<\/p>\n

Po\u021bi \u00eencerca s\u0103 renun\u021bi la abonamentele lunare care doar \u00ee\u021bi completeaz\u0103 stilul de via\u021b\u0103, nu \u021bi-l definesc (Netflix, jocuri, aplica\u021bii, s.a).<\/p>\n

Acest comportament \u00ee\u021bi creeaz\u0103 un obicei care pe termen lung \u0219i te face mai selectiv \u00een procesul de achizi\u021bie.<\/p>\n

Economise\u0219te. F\u0103-\u021bi un buget \u0219i \u021bine-te de el<\/h2>\n

Acum c\u0103 \u0219tii exact de c\u00e2t ai nevoie ca s\u0103 \u00ee\u021bi acoperi cheltuielile necesare, diferen\u021ba reprezint\u0103 noua ta economie<\/a> pe care o faci. \u00cencearc\u0103 s\u0103 te \u00eencadrezi lunar \u00een bugetul care \u021bi-a ie\u0219it din listele de mai sus, iar cealalt\u0103 parte pune-o deoparte. Astfel vei \u0219ti mereu, \u00een cazul unei crize financiare personal\u0103 (de ex. lipsa unui job pe termen mai lung) sau de alt\u0103 natur\u0103, c\u00e2t timp \u00ee\u021bi permi\u021bi s\u0103 tr\u0103ie\u0219ti din economiile str\u00e2nse. Sau, cu ajutorul lor, \u00ee\u021bi po\u021bi face un plan financiar pentru noi achizi\u021bii sau nevoi secundare din lista de obiective.<\/p>\n

Respect\u0103-\u021bi termenele de plat\u0103<\/h2>\n

Nerespectarea termenelor de plat\u0103 pentru datorii \u00ee\u021bi \u00eengreuneaz\u0103 \u0219i mai tare dep\u0103\u0219irea unei perioade de criz\u0103. Indiferent c\u0103 discut\u0103m despre facturi, chirie sau rat\u0103 la banc\u0103, mai bine \u00eencerci s\u0103 fii pu\u021bin mai drastic la minimizarea costurilor pentru alte cheltuieli \u0219i s\u0103 r\u0103m\u00e2i constant cu plata acestor datorii.<\/p>\n

Acord\u0103 aten\u021bie beneficiilor primite de la poten\u021bialii furnizori<\/h2>\n

Acum este momentul s\u0103 \u00ee\u021bi aminte\u0219ti sau s\u0103 urm\u0103re\u0219ti toate ofertele. Fie c\u0103 discut\u0103m despre discount-uri sau carduri de fidelitate la supermarket, oferte noi la abonamentele curente necesare (TV, net, etc) este bine s\u0103 te bucuri de ele. Prive\u0219te-le ca pe un cumul de beneficii, nu te raporta doar la echivalentul fiec\u0103reia \u00een parte. C\u00e2te pu\u021bin de peste tot poate fi semnificativ pentru totalul economisit.<\/p>\n

Investe\u0219te \u00een stabilitatea profesional\u0103<\/h2>\n

Pentru c\u0103 toate cheltuielile, indiferent de lista pe care se afl\u0103, sunt suportate de stabilitatea veniturilor tale, ideal este s\u0103 fii \u00een afara oric\u0103rui pericol la job. Dezvolt\u0103-\u021bi continuu abilit\u0103\u021bile pentru a deveni indispensabil la jobul actual sau viitor. Iar dac\u0103 sim\u021bi c\u0103 po\u021bi \u0219i vrei s\u0103 faci mai mult, alege-\u021bi proiecte extra care \u00ee\u021bi pot aduce venituri \u00een plus<\/a> \u0219i \u00ee\u021bi pot oferi o alternativ\u0103, dac\u0103 sim\u021bi c\u0103 locul de munc\u0103 nu mai este ceea ce-\u021bi dore\u0219ti.<\/p>\n

Este foarte important ca fiecare dintre noi s\u0103 se preg\u0103teasc\u0103 pentru o criz\u0103 financiar\u0103. Indiferent c\u0103 este un comportament constant \u0219i devine un stil de via\u021b\u0103 sau este doar un exerci\u021biu periodic pe care \u00eel facem, cert este c\u0103 ne permite o redresare \u0219i o adaptare pentru situa\u021biile critice at\u00e2t din via\u021ba personal\u0103, c\u00e2t \u0219i cea social\u0103. Chiar dac\u0103 nu putem anticipa, asta nu \u00eenseamn\u0103 c\u0103 nu ne putem preg\u0103ti.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00cenva\u021b\u0103 cum \u00ee\u021bi po\u021bi educa \u0219i seta un comportament economic pentru a pre\u00eent\u00e2mpina provoc\u0103rile financiare din timpul unei crize.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-480","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nCum te preg\u0103te\u0219ti mai bine \u00een caz de criz\u0103 financiar\u0103? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Afl\u0103 care sunt principalele ac\u021biuni concrete prin care te po\u021bi preg\u0103ti pentru o criz\u0103 financiar\u0103 \u0219i cum \u00ee\u021bi po\u021bi face un plan financiar pe termen scurt \u0219i mediu.\" \/>\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.cursvalutar.ro\/blog\/cum-te-pregatesti-mai-bine-in-caz-de-criza-financiara\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum te preg\u0103te\u0219ti mai bine \u00een caz de criz\u0103 financiar\u0103? 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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 & 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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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 & 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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