{"id":4717,"date":"2020-11-05T10:22:08","date_gmt":"2020-11-05T10:22:08","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/asmeninis-finansu-planas-3-zingsniai-kaip-susikurti"},"modified":"2024-11-08T15:48:04","modified_gmt":"2024-11-08T15:48:04","slug":"asmeninis-finansu-planas-3-zingsniai-kaip-susikurti","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/lt\/asmeninis-finansu-planas-3-zingsniai-kaip-susikurti","title":{"rendered":"Asmeninis finans\u0173 planas: 3 \u017eingsniai, kaip susikurti"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Asmeninis finans\u0173 planas \u2013 b\u016btinas, norint pasiekti finansin\u012f stabilum\u0105 ir visada jaustis ramiai d\u0117l ateities. Apie tai svajoja turb\u016bt kiekvienas, tad laimei, kad \u012fd\u0117jus truput\u012f pastang\u0173, tai tikrai \u012fmanoma! Viskas, ko reikia \u2013&nbsp;tai truputis \u017eini\u0173, laiko ir, svarbiausiai, noro. \u0160iandien pristatome 3 esminius patarimus, kurie pad\u0117s \u017eengti pirmuosius \u017eingsnius finansi\u0161kai u\u017etikrintos ateities link.<\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Asmeninis finans\u0173 planas \u2013 kas tai?<\/strong><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/develop.wpvip.tgalpha.com\/lt\/ruta-meilutyte-renkasi-kurybine-ideja\">Asmeninis finans\u0173 planas<\/a> skamba puikiai, bet kas tai yra? I\u0161 esm\u0117s \u2013&nbsp;tai dokumentas (j\u016bs\u0173 asmeninis, tad tikrai ne oficialus), kuriame sura\u0161yti visi j\u016bs\u0173 finansiniai tikslai ir \u012fsipareigojimai. Tad pirmasis \u017eingsnis yra vis\u0173 i\u0161laid\u0173 susira\u0161ymas \u012f vien\u0105 viet\u0105 \u2013&nbsp;nuoma, paskola, mokes\u010diai, maistas, kuras, dovanos \u2013&nbsp;viskas turi b\u016bti \u012fskai\u010diuota. Tada metas i\u0161sikelti finansinius tikslus: grei\u010diau gr\u0105\u017einti paskol\u0105, \u012fsigyti nekilnojamojo turto, o gal tur\u0117ti nustatyt\u0105 kiek\u012f santaup\u0173? Kad ir kas tai beb\u016bt\u0173, \u012ftraukite tai \u012f savo asmenin\u012f finans\u0173 plan\u0105.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Santaupos ekstra atvejams<\/strong><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Tai gird\u0117jote jau turb\u016bt \u0161imtus kart\u0173, bet mes ir v\u0117l pakartosime: b\u016btinai tur\u0117kite santaup\u0173 ekstra atvejams. J\u0173 suma tur\u0117t\u0173 b\u016bti lygi 3-6 j\u016bs\u0173 m\u0117nesiniams atlyginimams. Kod\u0117l tai svarbu sudarant asmenin\u012f finans\u0173 plan\u0105? Niekada negalime \u017einoti, kas nutiks: galb\u016bt prarasime darb\u0105, su\u0161lubuos sveikata, atsitiks nelaim\u0117. Nors nei vieno i\u0161 \u0161i\u0173 dalyk\u0173 nelinkime, jei neb\u016bsime jiems pasiruo\u0161\u0119, yra didel\u0117 tikimyb\u0117, kad v\u0117l teks skolintis, o m\u016bs\u0173 pastangos pasiruo\u0161ti atei\u010diai nueis \u0161uniui ant uodegos.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Apsvarstykite investavim\u0105<\/strong><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Investavimas \u2013 puikus b\u016bdas taupyti atei\u010diai. Jis gali u\u017etikrinti papildomas pajamas, pad\u0117ti sukaupti pensijai ar \u012fsigyti prabangaus turto. Norint investuoti pinigus, \u017einoma, vis\u0173 pirma reikia investuoti \u0161iek tiek laiko susipa\u017e\u012fstant su galimyb\u0117mis ir \u012fvertinant rizikas. Kad ir koki\u0105 investavimo form\u0105 pasirinktum\u0117te, tur\u0117kite omenyje, kad tai \u2013&nbsp;ilgalaikis procesas. D\u0117l \u0161ios prie\u017easties investavimui atid\u0117kite toki\u0105 sum\u0105 pinig\u0173 kas m\u0117nes\u012f, be kurios galite nesunkiai i\u0161gyventi, ir pamatysite, kaip smagiai ji did\u0117ja ateityje.&nbsp;<\/span><\/p>\n\n\n\n<p>__________________________<\/p>\n\n\n\n<p><em>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.&nbsp;<a href=\"https:\/\/develop.wpvip.tgalpha.com\/lt\/\">Prisijunkite<\/a>&nbsp;jau \u0161iandien! ?<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asmeninis finans\u0173 planas \u2013 b\u016btinas, norint pasiekti finansin\u012f stabilum\u0105 ir visada jaustis ramiai d\u0117l ateities. Apie tai svajoja turb\u016bt kiekvienas, tad laimei, kad \u012fd\u0117jus truput\u012f pastang\u0173, tai tikrai \u012fmanoma! Viskas, ko reikia \u2013&nbsp;tai truputis \u017eini\u0173, laiko ir, svarbiausiai, noro. \u0160iandien pristatome 3 esminius patarimus, kurie pad\u0117s \u017eengti pirmuosius \u017eingsnius finansi\u0161kai u\u017etikrintos ateities link. 1. Asmeninis [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4718,"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-4717","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\/How-TransferGo-can-help-sole-traders-and-freelancers.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/4717","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=4717"}],"version-history":[{"count":0,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/4717\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media\/4718"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media?parent=4717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/categories?post=4717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/tags?post=4717"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=4717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}