{"id":118,"date":"2022-05-27T09:34:00","date_gmt":"2022-05-27T09:34:00","guid":{"rendered":"https:\/\/valuestream.club\/?p=111"},"modified":"2022-05-27T09:34:00","modified_gmt":"2022-05-27T09:34:00","slug":"3-factori-care-ne-influenteaza-atitudinea-fata-de-bani","status":"publish","type":"post","link":"https:\/\/valuestream.club\/?p=118","title":{"rendered":"3 factori care ne influen\u021beaz\u0103 atitudinea fa\u021b\u0103 de bani"},"content":{"rendered":"<p><span style=\"font-size: medium;\">&nbsp;Vezi dac\u0103 nu \u00ee\u021bi creeaz\u0103 obiceiuri financiare proaste.<\/span><\/p>\n<\/p>\n<div class=\"separator\" style=\"clear: both; text-align: center;\"><a href=\"https:\/\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s4426\/omid-armin-ESsGNnhUiCg-unsplash.jpg\" style=\"margin-left: 1em; margin-right: 1em;\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" fifu-lazy=\"1\" fifu-data-sizes=\"auto\" fifu-data-srcset=\"https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=75&resize=75&ssl=1 75w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=100&resize=100&ssl=1 100w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=150&resize=150&ssl=1 150w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=240&resize=240&ssl=1 240w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=320&resize=320&ssl=1 320w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=500&resize=500&ssl=1 500w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=640&resize=640&ssl=1 640w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=800&resize=800&ssl=1 800w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=1024&resize=1024&ssl=1 1024w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=1280&resize=1280&ssl=1 1280w, https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1&w=1600&resize=1600&ssl=1 1600w\" border=\"0\" data-original-height=\"2937\" data-original-width=\"4426\" fifu-data-src=\"https:\/\/i3.wp.com\/blogger.googleusercontent.com\/img\/b\/R29vZ2xl\/AVvXsEjen56XlX9UxhOF0jHEVIx7rZ0wazTE2OpbrnIkDoW-VFeAx4b-ewKyWoLqSeexcanjHQETKAihXTfNDpObLpb4xK2pqnTsd84muGbdZ26WIa4ylL8EaLRW3dJOOYWqU8XS656nlNpWMXIFM5d_gDI9JHuZCF5SjSkqDuIPH-WAMb_Ev7oNT6AN6DfkJw\/s16000\/omid-armin-ESsGNnhUiCg-unsplash.jpg?ssl=1\" \/><\/a><\/div>\n<p><\/p>\n<p><span style=\"font-size: large;\"><b>1. Atitudini \u00eenv\u0103\u021bate \u00een copil\u0103rie.<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">Atitudinile financiare sunt absorbite \u00een acela\u0219i mod ca \u0219i tradi\u021biile familiei. Le observ\u0103m la rude, adul\u021bi \u0219i le adopt\u0103m. Cu siguran\u021b\u0103 g\u0103te\u0219ti un fel de fel de m\u00e2ncare exact ca bunica ta \u0219i folose\u0219ti expresii \u00een discurs pe care le spun adesea p\u0103rin\u021bii t\u0103i. La \u0219coal\u0103, nu ni se \u00eenva\u021b\u0103 elementele de baz\u0103 ale finan\u021belor personale, a\u0219a c\u0103, pe m\u0103sur\u0103 ce cre\u0219tem, \u00eencepem s\u0103 gestion\u0103m banii a\u0219a cum am \u00eenv\u0103\u021bat \u00een copil\u0103rie.<\/span><\/p>\n<p><span style=\"font-size: medium;\">Dar p\u0103rin\u021bii ar putea gre\u0219i, sau abordarea lor pur \u0219i simplu nu func\u021bioneaz\u0103 \u00een scopurile tale. Prin urmare, este util s\u0103 analizezi ce ai preluat de la ei.<\/span><\/p>\n<\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-size: medium;\">Evalueaz\u0103-\u021bi obiceiurile financiare actuale: c\u00e2t economise\u0219ti, dac\u0103 e\u0219ti \u00eendatorat, dac\u0103 faci buget \u0219i nu treci peste el. \u00cencerc\u0103 s\u0103 \u00ee\u021bi aminte\u0219ti c\u00e2nd \u0219i de ce ai \u00eenceput aceste obiceiuri.<\/span><\/li>\n<li><span style=\"font-size: medium;\">G\u00e2nde\u0219te-te pe care ai dori s\u0103 le schimbi \u0219i cum po\u021bi s\u0103 o faci. De exemplu, f\u0103 un buget pentru o s\u0103pt\u0103m\u00e2n\u0103 \u00een loc de o lun\u0103, pentru a fi mai u\u0219or s\u0103 te \u021bii de el. Sau renun\u021b\u0103 la divertismentul individual pentru a economisi la o achizi\u021bie important\u0103. G\u0103se\u0219te metode pe care le po\u021bi aplica ast\u0103zi pentru a \u00eencepe s\u0103 \u00ee\u021bi schimbi via\u021ba.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium;\"><\/span><\/p>\n<p><span style=\"font-size: medium;\"><br \/><\/span><\/p>\n<p><span style=\"font-size: large;\"><b>2. Emo\u021biile.<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">Ele ne conduc deseori deciziile financiare. De exemplu, atunci c\u00e2nd suntem stresa\u021bi \u0219i \u00eentr-o dispozi\u021bie proast\u0103, vrem s\u0103 cump\u0103r\u0103m ceva care s\u0103 ne fie pe plac, iar la v\u00e2nz\u0103ri, de multe ori adun\u0103m lucruri inutile de team\u0103 s\u0103 nu pierdem o ofert\u0103 grozav\u0103. Dar emo\u021biile trec \u0219i r\u0103m\u00e2nem cu portofelul gol.<\/span><\/p>\n<\/p>\n<ul style=\"text-align: left;\">\n<li><span style=\"font-size: medium;\">Nu te baza pe voin\u021b\u0103. Mai bine creeaz\u0103 pentru tine astfel de condi\u021bii \u00een care economisirea \u0219i reducerea cheltuielilor s\u0103 fie oferite cu u\u0219urin\u021b\u0103.<\/span><\/li>\n<li><span style=\"font-size: medium;\">Configureaz\u0103 un transfer automat al unei p\u0103r\u021bi din bani \u00eentr-un cont de economii \u00een ziua salariz\u0103rii. Deci nici nu trebuie s\u0103 te g\u00e2nde\u0219ti dac\u0103 s\u0103 am\u00e2ni sau nu.<\/span><\/li>\n<li><span style=\"font-size: medium;\">Nu pl\u0103ti cu un card de credit dac\u0103 nu po\u021bi ob\u021bine o rambursare pentru achizi\u021bia ta \u00een urm\u0103toarele c\u00e2teva zile.<\/span><\/li>\n<li><span style=\"font-size: medium;\">C\u00e2nd mergi la magazin pentru anumite lucruri, ia cu tine doar suma de care ai nevoie pentru a nu cump\u0103ra nimic \u00een plus.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: medium;\"><\/span><\/p>\n<p><span style=\"font-size: medium;\">Nu trebuie s\u0103 renun\u021bi complet la achizi\u021bii spontane, doar s\u0103 \u0219tii c\u00e2t de mult po\u021bi aloca pentru ele \u0219i s\u0103 te aju\u021bi s\u0103 te protejezi de epuizarea emo\u021bional\u0103.<\/span><\/p>\n<p><span style=\"font-size: medium;\"><br \/><\/span><\/p>\n<p><span style=\"font-size: large;\"><b>3. Re\u021bele sociale.<\/b><\/span><\/p>\n<p><span style=\"font-size: medium;\">Acolo vedem constant lucruri frumoase \u0219i oferte tentante \u0219i, treptat, \u00eencepem s\u0103 credem c\u0103 acestea ne lipsesc pentru fericire. \u00cencepem s\u0103 ne compar\u0103m cu cei care le au \u0219i s\u0103 facem cump\u0103r\u0103turi nes\u0103buite. \u00cen acela\u0219i timp, uit\u0103m c\u0103 nu tot ceea ce vedem reflect\u0103 via\u021ba real\u0103, iar invidia \u0219i compararea cu ceilal\u021bi ne fac doar r\u0103u.<\/span><\/p>\n<p><span style=\"font-size: medium;\">A\u0219a c\u0103 nu l\u0103sa re\u021belele sociale s\u0103 dicteze unde \u00ee\u021bi cheltui banii.<\/span><\/p>\n<p><span style=\"font-size: medium;\">Verific\u0103 conturile pe care le urm\u0103re\u0219ti \u0219i aminte\u0219te-\u021bi care dintre ele te fac cel mai adesea s\u0103 te sim\u021bi nemul\u021bumit de tine sau s\u0103 vrei s\u0103 cumperi ceva. Mai bine ar fi s\u0103 te dezabonezi \u0219i s\u0103 te abonezi la conturi care te vor inspira, la oameni de art\u0103 sau persoane care ofer\u0103 sfaturi financiare.<\/span><\/p>\n<p><span style=\"font-size: medium;\">G\u00e2nde\u0219te-te la ceea ce te intereseaz\u0103 \u0219i cum te po\u021bi dezvolta \u00een asta. Stabile\u0219te-\u021bi obiective realiste \u0219i lucreaz\u0103 pentru a le atinge. Acest lucru te va ajuta s\u0103 fii mai mul\u021bumit de tine \u0219i de propria ta via\u021b\u0103.<\/p>\n<p><\/span><\/p>\n<p><span style=\"font-size: medium;\">C\u00e2nd \u00een\u021belegi factorii de mai sus, \u00eencepe s\u0103 introduci noi abord\u0103ri \u00een via\u021ba ta. De exemplu:<\/span><\/p>\n<\/p>\n<ol style=\"text-align: left;\">\n<li><span style=\"font-size: medium;\">Formulaeaz\u0103-\u021bi obiectivele \u0219i g\u00e2nde\u0219te-te cum banii te vor ajuta s\u0103 le atingi.<\/span><\/li>\n<li><span style=\"font-size: medium;\">Identific\u0103 domeniile de cheltuieli care pot fi reduse.<\/span><\/li>\n<li><span style=\"font-size: medium;\">Automatizeaz\u0103-\u021bi economiile \u0219i \u00eencepe s\u0103 economise\u0219ti pu\u021bin pentru a crea o siguran\u021b\u0103 financiar\u0103 sau pentru a pl\u0103ti o datorie mare.<\/span><\/li>\n<li><span style=\"font-size: medium;\">\u00cembun\u0103t\u0103\u021be\u0219te-\u021bi cuno\u0219tin\u021bele financiare citind mai multe c\u0103r\u021bi sau ascult\u00e2nd podcasturi despre educa\u021bia financiar\u0103 \u0219i dezvoltarea personal\u0103.<\/span><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Vezi dac\u0103 nu \u00ee\u021bi creeaz\u0103 obiceiuri financiare proaste.1. Atitudini \u00eenv\u0103\u021bate \u00een copil\u0103rie.Atitudinile financiare sunt absorbite \u00een acela\u0219i mod ca \u0219i tradi\u021biile&#8230;<\/p>\n","protected":false},"author":2,"featured_media":2346,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-productivitate"],"_links":{"self":[{"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/posts\/118","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/valuestream.club\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=118"}],"version-history":[{"count":0,"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/posts\/118\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valuestream.club\/index.php?rest_route=\/wp\/v2\/media\/2346"}],"wp:attachment":[{"href":"https:\/\/valuestream.club\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valuestream.club\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valuestream.club\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}