{"id":975,"date":"2021-10-25T11:37:43","date_gmt":"2021-10-25T08:37:43","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=975"},"modified":"2021-10-25T11:39:27","modified_gmt":"2021-10-25T08:39:27","slug":"trucuri-pentru-a-evita-cheltuielile-din-impuls","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/trucuri-pentru-a-evita-cheltuielile-din-impuls\/","title":{"rendered":"Trucuri pentru a evita cheltuielile din impuls"},"content":{"rendered":"
\"\"
Sursa foto: pexels.com<\/a><\/figcaption><\/figure>\n

Cu to\u021bii am realizat, la un moment dat, cheltuieli din impuls. Fie c\u0103 a fost vorba despre un gadget, o pies\u0103 vestimentar\u0103 sau o achizi\u021bie mai substan\u021bial\u0103, precum un automobil, aceste cheltuieli din impuls au afectat bugetul lunar \u0219i poate cel setat pe o perioad\u0103 mai lung\u0103 de timp.<\/p>\n

Astfel, ne-am g\u0103sit \u00een situa\u021bia de a reduce alte cheltuieli pentru a compensa. \u00cens\u0103 acest lucru poate duce la un dezechilibru al bugetului nostru pe termen scurt, mediu sau chiar lung.<\/p>\n

\u0218i chiar dac\u0103 ne putem planifica un buget de rezerv\u0103, destinat exclusiv cheltuielilor din impuls, neplanificate, este important s\u0103 \u0219tim c\u0103 exist\u0103 \u0219i c\u00e2teva trucuri de care ne putem folosi pentru a reduce acest risc.<\/p>\n

Aceste trucuri pentru economisire<\/a> sunt benefice \u00een special \u00een cazul \u00een care veniturile nu ne permit luxul set\u0103rii unui buget de rezerv\u0103 pentru cheltuielile din impuls.<\/p>\n

Trucul num\u0103rul 1 \u2013 Folose\u0219te \u201eregula de 30 de zile\u201d<\/h2>\n

Cu to\u021bii am experimentat senza\u021bia g\u0103sirii unui lucru de la care nu ne mai putem lua g\u00e2ndul. De cele mai multe ori, oamenii cedeaz\u0103 \u00een fa\u021ba acestui g\u00e2nd \u0219i astfel fac cheltuieli din impuls.<\/p>\n

\u00cens\u0103 regula de 30 de zile este o metod\u0103 eficient\u0103 care ne ajut\u0103 s\u0103 ne convingem dac\u0103 avem cu adev\u0103rat nevoie de acel lucru sau este doar o dorin\u021b\u0103 de moment<\/a>.<\/p>\n

Trucul este s\u0103 notezi pe o foaie de h\u00e2rtie sau \u00eentr-un device numele \u0219i pre\u021bul produsului, precum \u0219i magazinul unde l-ai g\u0103sit. Ai grij\u0103 ca aceste informa\u021bii s\u0103 le ai mereu la vedere, iar dac\u0103 dup\u0103 30 de zile \u00eenc\u0103 \u00ee\u021bi mai dore\u0219ti acel lucru, abia atunci po\u021bi lua \u00een considerare s\u0103-l cumperi.<\/p>\n

Trucul num\u0103rul 2 \u2013 Calculeaz\u0103 pre\u021bul produsului \u00een ore de lucru<\/h2>\n

O alt\u0103 metod\u0103 de a ne da seama dac\u0103 un lucru merit\u0103 achizi\u021bionat sau nu este aceea de a calcula c\u00e2te ore trebuie s\u0103 muncim pentru acel lucru.<\/p>\n

Calculul este simplu: trebuie s\u0103 \u0219tim c\u00e2t c\u00e2\u0219tig\u0103m pe or\u0103 \u0219i s\u0103 \u00eemp\u0103r\u021bim pre\u021bul produsului la salariul pe or\u0103. Astfel ne d\u0103m seama c\u00e2te ore trebuie s\u0103 muncim pentru a putea cump\u0103ra acel lucru.<\/p>\n

Acest truc este eficient \u00een special \u00een cazul produselor cu pre\u021buri mai mari.<\/p>\n

Trucul num\u0103rul 3 \u2013 Folose\u0219te \u201cregula celor 4 \u00eentreb\u0103ri\u201d<\/h2>\n

Acest truc poate fi folosit pentru a calcula decizia de cump\u0103rare a oric\u0103rui lucru, indiferent de valoarea lui. Astfel, \u00eenainte de orice achizi\u021bie, este util s\u0103 ne punem c\u00e2teva \u00eentreb\u0103ri pentru a decide dac\u0103 achizi\u021bia este decizia corect\u0103.<\/p>\n

Aceste \u00eentreb\u0103ri sunt:<\/p>\n

    \n
  • Dac\u0103 achizi\u021bionez acest lucru, \u00eemi va \u00eembun\u0103t\u0103\u021bi via\u021ba \u00eentr-un mod notabil?<\/li>\n
  • M\u0103 va duce aceast\u0103 achizi\u021bie mai aproape de unul dintre obiectivele mele de via\u021b\u0103?<\/li>\n
  • Achizi\u021bia acestui lucru m\u0103 va ajuta s\u0103-mi simplific via\u021ba?<\/li>\n
  • Dac\u0103 achizi\u021bionez acest lucru, m\u0103 va face s\u0103 m\u0103 simt mai bine?<\/li>\n<\/ul>\n

    Dac\u0103 r\u0103spunsurile sincere \u0219i obiective la aceste \u00eentreb\u0103ri sunt afirmative, atunci achizi\u021bia poate fi realizat\u0103. \u00cen caz contrar, cump\u0103rarea acelui lucru nu va fi dec\u00e2t una din impuls, care ne va dezechilibra bugetul.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Cu siguran\u021b\u0103 ai f\u0103cut cheltuieli din impuls cel pu\u021bin o dat\u0103 p\u00e2n\u0103 acum, iar acest lucru \u021bi-a dezechilibrat bugetul pentru o perioad\u0103 de timp. \u00cens\u0103 exist\u0103 c\u00e2teva trucuri pentru a evita acest tip de achizi\u021bii, trucuri care \u00ee\u021bi pot salva bugetul. Descoper\u0103-le \u00een articol!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-975","post","type-post","status-publish","format-standard","hentry","category-timp-liber"],"yoast_head":"\nTrucuri pentru a evita cheltuielile din impuls - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Cu to\u021bii ne-am confruntat cu decizia de a cump\u0103ra un lucru de care nu aveam nevoie cu adev\u0103rat, iar achizi\u021bia f\u0103cut\u0103 a creat un dezechilibru al bugetului. \u00cens\u0103 exist\u0103 trucuri pentru a evita cheltuielile din impuls. 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