Banii vin greu si se duc mult prea repede. De cate ori ti-ai cheltuit banii pe lucruri pe care apoi ti-a parut rau ca le-ai cumparat? Atunci cand investitia nu e mare, chiar daca stii ca banii sunt cheltuiti pe ceva ce nu este neaparat necesar, tot esti dispus sa faci investitia respectiva. Totusi, trebuie tinuta o evidenta a modului in care sunt cheltuiti banii munciti din greu, pentru a avea cea mai buna experienta la cumparaturi.
Sa iei decizii financiare este ceva normal si necesar. Si daca nu te-ai gandit pana acum care sunt deciziile tale si cat de „corecte” sunt, iti oferim cateva idei pentru o alocare eficienta a banilor.
Asigurare suplimentara pentru pensie
Oamenii tind sa se uite mereu in viitor si sa caute siguranta. In vremurile noastre, siguranta financiara la varsta pensionarii este dificil de obtinut daca ne bazam doar pe pensie. De aceea, e o idee buna sa pui deoparte, din timp, o rezerva suplimentara pentru pensie, astfel incat sa te simti mai increzator in viitor.
Asigurare suplimentara de sanatate
Asigurarea suplimentara de sanatate este oferita, in multe cazuri, gratuit de catre angajatori salariatilor. Sunt putine companii care nu ofera astfel de beneficii angajatilor. Daca nu te numeri printre cei care beneficiaza deja de o astfel de asigurare de sanatate, nu ezita sa investesti o suma lunara sau anuala pentru un astfel de instrument. Iti va fi de folos nu doar in cazul unor probleme de sanatate mai serioase, ci si in cazul testelor medicale de rutina, astfel ca iti va usura bugetul pe termen lung.
Plata la timp a ratelor de credit
Fie ca ai un credit ipotecar, un credit de consum sau un card de credit, plata la timp a imprumutului iti va asigura nu doar liniste, ci si o bugetare corecta. Nu e un secret ca, in cazul unei intarzieri la plata datoriilor, si se va aplica o dobanda marita care la un moment dat iti poate afecta serios bugetul.
Plata la timp a facturilor si a taxelor
Daca neglijezi facturile casei, nu doar ca risti sa fii supus sanctiunilor legale, dar poti de asemenea sa ramai fara electricitate, apa sau caldura. Datoriile nu vor scadea daca nu le plateati la timp, iar initierea unor procese legale este extenuanta si necesita timp si bani in plus.
Achizitia propriei locuinte
Sa ai propria casa iti ofera libertatea pe care nu o vei avea niciodata inchiriind o locuinta sau locuind cu parintii. Pana la urma, si tu vei avea propria ta familie si e placut sa fii independent. Nu e usor si nici ieftin sa cumperi o locuinta astazi, dar este o investitie pentru tine!
Economii pentru copii
Peste hotare, este o practica obisnuita de a deschide un cont de studii pentru copii imediat dupa nastere. Educatia in Romania nu este atat de scumpa, dar in general viata poate fi mai usoara pentru tine si copilul/copiii tai daca te gandesti din timp la viitorul lor si incepi sa economisesti. In decurs de cativa ani vei pune deoparte o suma care ii poate ajuta pe copii la maturitate.
Depozite
Daca ai economii, nu te intreba unde sa ascunzi banii astfel incat sa adune praf. Deschide-ti un depozit, iar acest lucru nu doar ca te va face sa te simti mai confortabil ca sunt in siguranta, dar poti de asemenea castiga din banii pusi la pastrare daca alegi o banca ce ofera dobanzi ridicate la depozite.
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