{"id":4633,"date":"2020-09-10T12:58:41","date_gmt":"2020-09-10T12:58:41","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/asmeniniu%cc%a8-finansu%cc%a8-valdymo-taisykle%cc%87"},"modified":"2024-11-08T15:48:52","modified_gmt":"2024-11-08T15:48:52","slug":"asmeniniu-finansu-valdymo-taisykle-kuria-zinoti-privalo-visi","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/lt\/asmeniniu-finansu-valdymo-taisykle-kuria-zinoti-privalo-visi","title":{"rendered":"Asmeniniu\u0328 finansu\u0328 valdymo taisykle\u0307"},"content":{"rendered":"\n

Asmenini\u0173 finans\u0173 valdymo taisykl\u0117, kuri\u0105 \u017einoti privalo visi<\/b><\/h4>\n\n\n\n

Nepriklausomai nuo to, kiek u\u017edirbame, visi norime jaustis saugiai finansine prasme. \u0160is noras apima ne tik kasdienes i\u0161laidas, bet ir geb\u0117jim\u0105 susitaupyti atei\u010diai ar ramiai susitvarkyti su nenumatytomis situacijomis, kai netik\u0117tai prireikia i\u0161 s\u0105skaitos nusiimti nema\u017e\u0105 sum\u0105 pinig\u0173. Egzistuoja daug patarim\u0173 ir strategij\u0173, kaip geriausia valdyti asmeninius finansus, ta\u010diau Elizabeth Warren i\u0161populiarinta 50\/30\/20 yra ne tik viena i\u0161 labiausiai pasiteisinan\u010di\u0173, ta\u010diau ir itin paprasta.<\/span><\/p>\n\n\n\n

50\/30\/20<\/b><\/h4>\n\n\n\n

Tai k\u0105 gi rei\u0161kia \u0161ie skai\u010diai? Viskas labai paprasta \u2013 50 % pajam\u0173 (atskai\u010diavus mokes\u010dius, \u017einoma) tur\u0117t\u0173 eiti b\u016btinoms i\u0161laidoms: b\u016bsto nuomai ar paskolos gr\u0105\u017einimui, komunaliniams mokes\u010diams, telefonui ir internetui, kelion\u0117ms \u012f darb\u0105, maistui ir pana\u0161iai. 30 % skiriama norams. \u012e \u0161i\u0105 kategorij\u0105 pakli\u016bva viskas, be ko i\u0161 esm\u0117s b\u016bt\u0173 galima gyventi \u2013 apsilankymai kine ar restoranuose, vakar\u0117liai mieste, <\/span>Netflix<\/span><\/i> ar <\/span>Spotify<\/span><\/i> prenumeratos, prabangus automobilis ir kiti pana\u0161\u016bs, malonum\u0105 teikiantys dalykai. Lik\u0119 20 % pajam\u0173 keliauja \u012f taupykl\u0119. Na, \u017einoma, ne molin\u0119 \u2013 rekomenduojama \u0161i\u0105 sum\u0105 investuoti, kad laikui b\u0117gant ji neprarast\u0173 vert\u0117s.<\/span><\/p>\n\n\n\n

B\u016btinosios i\u0161laidos<\/b><\/h4>\n\n\n\n

Kriti\u0161kai \u012fvertinkite savo b\u016btin\u0105sias i\u0161laidas ir pasitikrinkite, ar jos nesudaro daugiau nei pus\u0117s j\u016bs\u0173 pajam\u0173. Jeigu taip yra, reik\u0117t\u0173 apsvarstyti, k\u0105 galima pakeisti. Galb\u016bt pasirinkti ma\u017eesn\u012f b\u016bst\u0105, o \u012f darb\u0105 vykti vie\u0161uoju transportu?<\/span><\/p>\n\n\n\n

Beje, \u012f b\u016btin\u0105sias i\u0161laidas, be auk\u0161\u010diau min\u0117t\u0173j\u0173, nepamir\u0161kite \u012ftraukti ir draudimo, sveikatos prie\u017ei\u016bros, jeigu jos nekompensuoja valstyb\u0117. Visgi atkreipkite d\u0117mes\u012f, kad b\u016btinosios i\u0161laidos \u2013 tai minimali suma, kuri\u0105 galite i\u0161leisti vienam ar kitam poreikiui. Tai yra, metinis autobuso bilietas yra b\u016btinas, tuo tarpu prabangaus automobilio lizingas jau tur\u0117t\u0173 keliauti prie nor\u0173.<\/span><\/p>\n\n\n\n

Norai<\/b><\/h4>\n\n\n\n

Kaip ir min\u0117jome, prie nor\u0173 priskiriami visi papildomi dalyk\u0117liai, d\u0117l kuri\u0173 gyvenimas atrodo \u0161iek tiek smagesnis. Tai ir prabangesnis automobilis, ir didesnis b\u016bstas ar i\u0161taigingesn\u0117 vakarien\u0117 mieste.<\/span><\/p>\n\n\n\n

\u012e \u0161i\u0105 kategorij\u0105 \u012ftraukite ir kavos g\u0117rim\u0105 mieste, naujausi\u0105 telefon\u0105, kai senasis dar puikiai veikia, papildomus interneto duomenis, bilietus \u012f teatr\u0105 ar naujas perkamas knygas (juk visada galite u\u017esukti \u012f bibliotek\u0105!).<\/span><\/p>\n\n\n\n

Santaupos<\/b><\/h4>\n\n\n\n

Kas m\u0117nes\u012f stenkit\u0117s 20 % pajam\u0173 atid\u0117ti santaupoms<\/a>. Vis\u0173 pirma \u012fsitikinkite, kad taupomojoje s\u0105skaitoje turite bent trij\u0173 m\u0117nesi\u0173 atlyginim\u0105, kur\u012f gal\u0117site bet kada laisvai pasiimti, jei netik\u0117tai netektum\u0117te darbo ar prireikt\u0173 pinig\u0173 nenumatytoms i\u0161laidoms.<\/span><\/p>\n\n\n\n

Pasir\u016bpin\u0119 tuo, galite galvoti apie investicijas. Patarim\u0173 \u0161iuo klausimu der\u0117t\u0173 kreiptis \u012f profesionalus, nes b\u016bd\u0173, kaip pasiekti savo finansinius tikslus yra daugyb\u0117, tad svarbu pasirinkti tok\u012f, koks yra tinkamiausias atsi\u017evelgiant \u012f j\u016bs\u0173 pajamas ir poreikius. <\/span><\/p>\n\n\n\n

__________________________<\/p>\n\n\n\n

Si\u0173skite meil\u0119 ir pinigus su TransferGo. M\u0117gaukit\u0117s greitais, saugiais ir paprastais pervedimais. Pakvieskite savo draugus prisijungti prie TransferGo ir u\u017esidirbkite \u00a320. Prisijunkite<\/a> jau \u0161iandien! ?<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Asmenini\u0173 finans\u0173 valdymo taisykl\u0117, kuri\u0105 \u017einoti privalo visi Nepriklausomai nuo to, kiek u\u017edirbame, visi norime jaustis saugiai finansine prasme. \u0160is noras apima ne tik kasdienes i\u0161laidas, bet ir geb\u0117jim\u0105 susitaupyti atei\u010diai ar ramiai susitvarkyti su nenumatytomis situacijomis, kai netik\u0117tai prireikia i\u0161 s\u0105skaitos nusiimti nema\u017e\u0105 sum\u0105 pinig\u0173. Egzistuoja daug patarim\u0173 ir strategij\u0173, kaip geriausia valdyti asmeninius […]<\/p>\n","protected":false},"author":1,"featured_media":4634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1454,1457],"tags":[],"business_case_studies_tags":[],"class_list":["post-4633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asmeniniai-finansai","category-asmeniniu-finansu-patarimai"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/onlinepayment.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/4633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/comments?post=4633"}],"version-history":[{"count":0,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/4633\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media\/4634"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media?parent=4633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/categories?post=4633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/tags?post=4633"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=4633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}