{"id":7930,"date":"2019-05-11T08:33:24","date_gmt":"2019-05-11T05:33:24","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=7930"},"modified":"2026-01-03T22:03:16","modified_gmt":"2026-01-03T20:03:16","slug":"vrei-sa-faci-economii-si-nu-ai-idee-de-unde-sa-incepi-iata-9-moduri-in-care-va-irositi-banii-fara-sa-va-dati-seama","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/vrei-sa-faci-economii-si-nu-ai-idee-de-unde-sa-incepi-iata-9-moduri-in-care-va-irositi-banii-fara-sa-va-dati-seama\/","title":{"rendered":"Vrei s\u0103 faci economii \u0219i nu ai idee de unde s\u0103 \u00eencepi? Iat\u0103 9 moduri \u00een care v\u0103 irosi\u021bi banii f\u0103r\u0103 s\u0103 v\u0103 da\u021bi seama"},"content":{"rendered":"

Chiar \u0219i cele mai atente persoane cu modul \u00een care \u00ee\u0219i \u00eempart bugetul pot cheltui sume de bani f\u0103r\u0103 s\u0103 \u00ee\u0219i dea seama. Exper\u021bii \u00een finan\u021be personale au dezv\u0103luit pentru Business Insider c\u00e2teva modalit\u0103\u021bi de economisire, chiar dac\u0103 to\u021bi suntem predispu\u0219i s\u0103 fim “r\u0103i cu banii” din c\u00e2nd \u00een c\u00e2nd. Iat\u0103 9 moduri \u00een care v\u0103 irosi\u021bi banii f\u0103r\u0103 s\u0103 v\u0103 da\u021bi seama.<\/p>\n\n\n\n

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

1.Nu verifica\u021bi niciodat\u0103 c\u00e2t cheltui\u021bi<\/h3>\n\n\n\n

Una dintre cele mai mari gre\u0219eli pe care le fac oamenii este aceea c\u0103 nu \u0219tiu exact pe ce anume cheltuie banii. Pentru ca aceste cheltuieli s\u0103 nu v\u0103 ia prin surprinde, trebuie s\u0103 \u0219ti\u021bi exact unde se duc banii dumneavoastr\u0103. Expertul \u00een finan\u021be personale, Ramit Sethi, sugereaz\u0103 s\u0103 cheltuim 50% din venit pe facturi, \u00eentre\u021binerea c\u0103minului \u0219i alimente, 5% pe investi\u021bii, iar restul pe economii \u0219i distrac\u021bii.<\/p>\n\n\n\n

2.La americani, chiria cost\u0103 mai mult de o p\u0103trime din salariul lunar<\/h3>\n\n\n\n

Dup\u0103 locuin\u021b\u0103, transportul este \u00een mod obi\u0219nuit cel mai mare cost al gospod\u0103riei, potrivit NerdWallet. Dac\u0103 nu v\u0103 da\u021bi seama unde se \u00eendreapt\u0103 banii, uita\u021bi-v\u0103 \u00een parcare.<\/p>\n\n\n\n

3.C\u00e2nd sunte\u021bi plictisit, nu cump\u0103ra\u021bi online \u0219i nu merge\u021bi la mall<\/h3>\n\n\n\n

Pentru a contribui la ruperea ciclului de dep\u0103\u0219ire a creditelor, \u00eencerca\u021bi s\u0103 seta\u021bi limite s\u0103pt\u0103m\u00e2nale de cheltuieli sau s\u0103 face\u021bi o \u00eenghe\u021bare temporar\u0103 a cheltuielilor, sugereaz\u0103 Soukup.<\/p>\n\n\n\n

4.Nu a\u021bi mai verificat ce sum\u0103 pl\u0103ti\u021bi pentru serviciile de abonament de foarte mult timp <\/h3>\n\n\n\n

Probabil c\u0103 da\u021bi mai mult pe abonamentele digitale. De fapt, 84% dintre americani subestimeaz\u0103 foarte mult c\u00e2t cheltuiesc pentru abonamentele de tehnologie, potrivit firmei de consultan\u021b\u0103 Waterstone Management Group. Dac\u0103 dori\u021bi s\u0103 renun\u021ba\u021bi la unele abonamente, MarketWatch v\u0103 sugereaz\u0103 s\u0103 anula\u021bi serviciile pe care nu le-a\u021bi utilizat \u00een ultima lun\u0103 sau pe cele divizate \u00een r\u00e2ndul prietenilor. <\/p>\n\n\n\n

5.Cump\u0103ra\u021bi legume \u0219i fructe pre-t\u0103iate<\/h3>\n\n\n\n

Obiceiul v\u0103 ajut\u0103 s\u0103 economisi\u021bi timp \u00een buc\u0103t\u0103rie, dar pl\u0103ti\u021bi pentru aceast\u0103 comoditate banii \u00een plus. Unul dintre costuri este cel al ambalajelor. <\/p>\n\n\n\n

6.Achizi\u021biona\u021bi produse nealimentare de la b\u0103c\u0103nii. <\/h3>\n\n\n\n

Cu siguran\u021b\u0103, ve\u021bi pl\u0103ti mai mul\u021bi bani pentru acestea<\/p>\n\n\n\n

7.Cump\u0103ra\u021bi \u00een mod constant combustibil premium<\/h3>\n\n\n\n

,,Pe baza testelor AAA, vehiculele care recomand\u0103 numai benzin\u0103 premium nu pot profita din plin de combustibilul cu cifra octanic\u0103 \u0219i, prin urmare, beneficiul care vine din alimentarea cu benzin\u0103 premium nu poate compensa costul ridicat”, a spus John Nielsen, directorul de inginerie \u0219i repara\u021bii auto. <\/p>\n\n\n\n

8.Cumperi o sticl\u0103 de ap\u0103 la 0,5 l \u00een fiecare zi<\/h3>\n\n\n\n

“Prin trecerea la o sticl\u0103 de apa reutilizabil\u0103, americanii pot salva mii de dolari, pot ajuta mediul \u00eenconjur\u0103tor prin reducerea cantit\u0103\u021bii de de\u0219euri din plastic\u201d, a scris Penn State University intr-un post pe blog. Declara\u021bia este valabil\u0103 pentru cet\u0103\u021benii oric\u0103rei \u021b\u0103ri. De exemplu, la noi, o sticl\u0103 de 0,5 l de ap\u0103 cost\u0103 la automat 2 lei, adic\u0103 aproximativ costul unei sticle de 2 l cump\u0103rat\u0103 de la supermarket. <\/p>\n\n\n\n

9.Faci du\u0219uri lungi \u0219i fierbin\u021bi<\/h3>\n\n\n\n

Pentru a economisi bani \u0219i pentru a deveni mai eficien\u021bi \u0219i prieteni cu mediul, face\u021bi du\u0219uri rapide, utiliza\u021bi led-uri, \u00eenchide\u021bi frigiderul atunci c\u00e2nd v\u0103 g\u00e2ndi\u021bi la ce urmeaz\u0103 s\u0103 m\u00e2nca\u021bi \u0219i porni\u021bi robinetul abia dup\u0103 ce v-a\u021bi sp\u0103lat pe din\u021bi. Economia nu se vede pe moment, dar o ve\u021bi sim\u021bi \u00een facturi. <\/p>","protected":false},"excerpt":{"rendered":"

Chiar \u0219i cele mai atente persoane cu modul \u00een care \u00ee\u0219i \u00eempart bugetul pot cheltui sume de bani f\u0103r\u0103 s\u0103 \u00ee\u0219i dea seama. Exper\u021bii \u00een finan\u021be personale au dezv\u0103luit pentru Business Insider c\u00e2teva modalit\u0103\u021bi de economisire, chiar dac\u0103 to\u021bi suntem predispu\u0219i s\u0103 fim “r\u0103i cu banii” din c\u00e2nd \u00een c\u00e2nd. Iat\u0103 […]<\/p>\n","protected":false},"author":1,"featured_media":7931,"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":[9,363],"tags":[],"class_list":["post-7930","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-market"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-23U","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/05\/5A6B74BB-407B-49C9-A33D-244C9F3EF5D8.jpeg?fit=800%2C600&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7930","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=7930"}],"version-history":[{"count":2,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7930\/revisions"}],"predecessor-version":[{"id":7939,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/7930\/revisions\/7939"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/7931"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=7930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=7930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=7930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}