{"id":7040,"date":"2019-04-15T15:46:50","date_gmt":"2019-04-15T12:46:50","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=7040"},"modified":"2026-01-03T22:04:07","modified_gmt":"2026-01-03T20:04:07","slug":"ce-inseamna-pusculita-in-viata-oamenilor-sfaturi-de-la-specialisti-cu-privire-la-importanta-economisirii","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/ce-inseamna-pusculita-in-viata-oamenilor-sfaturi-de-la-specialisti-cu-privire-la-importanta-economisirii\/","title":{"rendered":"Ce \u00eenseamn\u0103 pusculi\u021ba \u00een via\u021ba oamenilor. Sfaturi de la speciali\u0219ti cu privire la importan\u021ba economisirii"},"content":{"rendered":"<p class=\"wp-block-paragraph\">,,Dac\u0103 nu \u00eei pute\u021bi vedea \u0219i nu \u00eei pute\u021bi atinge, nu o s\u0103-i cheltui\u021bi\u201d, este deviza dup\u0103 care se ghideaz\u0103 Jean Chatzky, redactorul financiar al show-ului Today difuzat de NBC, care a ajutat oamenii s\u0103 ob\u021bin\u0103 libertatea financiar\u0103 timp de decenii prin intermediul c\u0103r\u021bilor sale, devenite bestseller \u00een mai multe \u021b\u0103ri. \u00cen 2018, ea a fondat HerMoney, o companie media digital\u0103 axat\u0103 pe finan\u021be personale, \u00een special pentru femei. Aceasta crede c\u0103 oricine, indiferent de suma pe care o c\u00e2\u0219tig\u0103, poate tr\u0103i o via\u021b\u0103 fericit\u0103 \u0219i confortabil\u0103, dac\u0103 urmeaz\u0103 c\u00e2teva reguli simple.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"290\" height=\"163\" data-attachment-id=\"7042\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/ce-inseamna-pusculita-in-viata-oamenilor-sfaturi-de-la-specialisti-cu-privire-la-importanta-economisirii\/45151d68-8a19-4f95-8b6c-a08246663144\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/45151D68-8A19-4F95-8B6C-A08246663144.jpeg?fit=290%2C163&amp;ssl=1\" data-orig-size=\"290,163\" data-comments-opened=\"0\" data-image-title=\"45151D68-8A19-4F95-8B6C-A08246663144\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/45151D68-8A19-4F95-8B6C-A08246663144.jpeg?fit=290%2C163&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/45151D68-8A19-4F95-8B6C-A08246663144.jpeg?resize=290%2C163&#038;ssl=1\" alt=\"\" class=\"wp-image-7042 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 290px; --smush-placeholder-aspect-ratio: 290\/163;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Speran\u021ba nu este o strategie de investi\u021bii. Nu pute\u021bi doar s\u0103 sta\u021bi acolo \u0219i s\u0103 v\u0103 spera\u021bi c\u0103 \u00eentr-o bun\u0103 zi va fi bine, pentru c\u0103 dac\u0103 nu inten\u021biona\u021bi s\u0103 face\u021bi ceva \u00een acest sens, lucrurile nu vor evolua \u00een niciun fel\u201d, a spus aceasta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 \u00eent\u00e2mpina\u021bi probleme minore cu banii exist\u0103 c\u00e2teva metode simple care v\u0103 pot ajuta. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Realiza\u021bi un plan de economisire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una dintre metode este realizarea unui plan de economii pe termen lung, la care pute\u021bi s\u0103 apela\u021bi c\u00e2nd sunte\u021bi \u00een impas. Dar \u00eencepe\u021bi s\u0103 economisi\u021bi mai devreme pentru c\u0103 ave\u021bi posibilitatea s\u0103 pune\u021bi deoparte sume mai mici. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Verifica\u021bi-v\u0103 imaginea financiar\u0103 <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Apoi, \u00eencepe\u021bi s\u0103 v\u0103 dezvolta\u021bi un plan pentru a v\u0103 \u00eembun\u0103t\u0103\u021bi finan\u021bele \u0219i pentru a v\u0103 atinge obiectivele pe termen lung. Determina\u021bi intr\u0103rile \u0219i ie\u0219irile de numerar \u0219i crea\u021bi un buget realist. Acest plan v\u0103 ofer\u0103 o linie de baz\u0103. Utiliza\u021bi instrumente disponibile online care s\u0103 v\u0103 ajute s\u0103 identifica\u021bi modelele de cheltuieli, astfel \u00eenc\u00e2t s\u0103 pute\u021bi g\u0103si c\u00e2teva modalit\u0103\u021bi de economisire. Aplica\u021biile care v\u0103 ajut\u0103 s\u0103 v\u0103 urm\u0103ri\u021bi finan\u021bele sunt utile pentru c\u0103 monitorizeaz\u0103 \u0219i \u00eembun\u0103t\u0103\u021besc obiceiurile b\u0103ne\u0219ti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Apoi, seta\u021bi obiective realiste<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consultan\u021bii financiari chestiona\u021bi de CNBC recomand\u0103 crearea unui fond solid de urgen\u021b\u0103. \u00cencepe\u021bi s\u0103 v\u0103 g\u00e2ndi\u021bi la ce \u00eenseamn\u0103 asta pentru dumneavoastr\u0103 \u0219i deschide\u021bi un cont de economii. Evalua\u021bi datoriile \u0219i stabili\u021bi un plan realist pentru a le pl\u0103ti, mai recomand\u0103 ace\u0219tia. <br><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1000\" height=\"666\" data-attachment-id=\"7043\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/ce-inseamna-pusculita-in-viata-oamenilor-sfaturi-de-la-specialisti-cu-privire-la-importanta-economisirii\/1afa356e-b4c9-4a45-9934-6a34ec7f0205\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?fit=800%2C533&amp;ssl=1\" data-orig-size=\"800,533\" data-comments-opened=\"0\" data-image-title=\"1AFA356E-B4C9-4A45-9934-6A34EC7F0205\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?fit=1000%2C666&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?resize=1000%2C666&#038;ssl=1\" alt=\"\" class=\"wp-image-7043 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?resize=165%2C109&amp;ssl=1 165w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/1AFA356E-B4C9-4A45-9934-6A34EC7F0205.jpeg?w=800&amp;ssl=1 800w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/666;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0218i Jean Chatzky admite c\u0103 a f\u0103cut propriile gre\u0219eli cu banii de-a lungul timpului. &#8220;C\u00e2nd mi-am p\u0103r\u0103sit primul loc de munc\u0103, am scos banii din fondul de pensii \u0219i i-am cheltuit. Nu am \u00een\u021beles cu adev\u0103rat care este importan\u021ba acestui cont de economii. Am semnat o bucat\u0103 de h\u00e2rtie, am primit un cec \u00een po\u0219t\u0103 \u0219i am mers la cump\u0103r\u0103turi\u201d, a completat aceasta. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dar, \u00een timp ce aceasta nu \u00een\u021belegea dinamica unui fond de pensii, p\u0103rin\u021bii ei au \u00eenv\u0103\u021bat-o c\u0103 economisirea o va ajuta mai t\u00e2rziu. &#8220;Nu \u0219tiu c\u00e2te economii au avut p\u0103rin\u021bii mei, dar imi amintesc c\u0103 \u00eenainte de excursia de la Disney World, ace\u0219tia au spart pu\u0219culi\u021ba familiei \u0219i au num\u0103rat monedele de jumatate de dolar. Am \u0219tiut c\u0103 ace\u0219tia erau banii pentru biletele de intrare\u201d, a povestit Jean Chatzky pentru CNBC. <\/p>","protected":false},"excerpt":{"rendered":"<p>,,Dac\u0103 nu \u00eei pute\u021bi vedea \u0219i nu \u00eei pute\u021bi atinge, nu o s\u0103-i cheltui\u021bi\u201d, este deviza dup\u0103 care se ghideaz\u0103 Jean Chatzky, redactorul financiar al show-ului Today difuzat de NBC, care a ajutat oamenii s\u0103 ob\u021bin\u0103 libertatea financiar\u0103 timp de decenii prin intermediul c\u0103r\u021bilor sale, devenite bestseller \u00een mai multe [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7041,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":1,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[17],"tags":[],"class_list":["post-7040","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-1Py","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/04\/745C8D44-0650-46DC-88CD-99D6A7673DC1.jpeg?fit=400%2C267&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7040","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=7040"}],"version-history":[{"count":1,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7040\/revisions"}],"predecessor-version":[{"id":7044,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7040\/revisions\/7044"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/7041"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=7040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=7040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=7040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}