{"id":1202,"date":"2018-07-12T07:17:18","date_gmt":"2018-07-12T04:17:18","guid":{"rendered":"https:\/\/financer.ro\/?page_id=1202"},"modified":"2024-10-11T11:14:50","modified_gmt":"2024-10-11T08:14:50","slug":"finante-personale","status":"publish","type":"page","link":"https:\/\/financer.ro\/finante-personale\/","title":{"rendered":"Finan\u021be personale"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"Finane_personale\">Finan\u021be personale<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/07\/pie-chart-1-300x300.png\" alt=\"finante personale\" class=\"wp-image-1534\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/pie-chart-1-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/pie-chart-1-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/pie-chart-1-75x75.png 75w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/pie-chart-1.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>F\u0103r\u0103 o \u00eendrumare adecvat\u0103, se poate ca, \u00een necuno\u0219tin\u021b\u0103 de cauz\u0103, s\u0103 iei c\u00e2teva decizii nu foarte bune, care s\u0103 \u00ee\u021bi influen\u021beze puternic, \u00eentr-un mod negativ, finan\u021bele personale pentru urm\u0103torii ani. <\/p>\n\n\n\n<p>Noi, cei de la Financer.com, ne dorim s\u0103 oferim c\u00e2t mai multe ghiduri, ponturi \u0219i sfaturi economice \u0219i monetare, <strong>care s\u0103 te ajute \u00een atingerea obiectivelor \u0219i s\u0103 \u00ee\u021bi asigure succesul \u00een ceea ce prive\u0219te capitalul propriu<\/strong>.<\/p>\n\n\n\n<p>Aceast\u0103 pagin\u0103 va acoperi toate aspectele ce \u021bin de finan\u021be personale. <\/p>\n\n\n\n<p>De la <a href=\"https:\/\/financer.ro\/cum-sa-economisesti-bani-pentru-a-trai-mai-bine-si-nu-doar-financiar\/\">cum s\u0103 economise\u0219ti bani<\/a>, ce este \u0219i cum ne influenteaz\u0103 <a href=\"https:\/\/financer.ro\/finante-personale\/ce-este-indicele-robor\/\">ROBOR<\/a> ratele, la cum func\u021bioneaz\u0103 <a href=\"https:\/\/financer.ro\/ce-este-biroul-de-credit\/\">Biroul de Credit<\/a>, ce este <a href=\"https:\/\/financer.ro\/finante-personale\/ce-este-inflatia\/\">infla\u021bia <\/a>\u0219i multe alte subiecte interesante vor fi explicate aici.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Dar_ce_reprezint_aceste_finane_personale\">Dar ce reprezint\u0103 aceste finan\u021be personale?<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2020\/03\/economii.png\" alt=\"inflatia\" class=\"wp-image-6122\"><\/figure><\/div>\n\n\n\n<p><em>La partea inferioar\u0103 a acestei pagini vei g\u0103si o mul\u021bime de articole despre finan\u021be personale.<\/em><\/p>\n\n\n\n<p>Capitolul finan\u021be personale este foarte str\u00e2ns legat de banii. C\u00e2t de mul\u021bi ai, c\u00e2t reu\u0219e\u0219ti s\u0103 produci \u00een fiecare lun\u0103, ce sume pui deoparte, c\u00e2t \u0219i cum cheltuie\u0219ti. Reprezint\u0103 o sum\u0103 at\u00e2t a veniturilor \u0219i cheltuielilor, precum \u0219i a datoriilor \u0219i a activelor.<\/p>\n\n\n\n<p>\u00cen general, majoritatea dintre noi <strong>c\u00e2\u0219tig\u0103m, cump\u0103r\u0103m, c\u00e2teodat\u0103 ne mai \u0219i \u00eemprumut\u0103m<\/strong> \u0219i \u00eencerc\u0103m s\u0103 facem economii \u00een fiecare zi. <\/p>\n\n\n\n<p><em>Finan\u021bele personale reprezint\u0103 modul \u00een care \u021bii eviden\u021ba tuturor acestor categorii monetare diferite.<\/em><\/p>\n\n\n\n<p>Echipa Financer.com \u00ee\u0219i dore\u0219te s\u0103 te ajute \u00een p\u0103strarea unei eviden\u021be mai bune a acestor finan\u021be personale. <\/p>\n\n\n\n<p>Te vom asista oferindu-\u021bi ghiduri financiare, <a href=\"https:\/\/financer.ro\/economii\/200-sfaturi-despre-economii\/\">sfaturi despre cum s\u0103 economise\u0219ti bani<\/a> \u0219i diverse articole ce trateaz\u0103 teme al c\u0103ror subiect te vor influen\u021ba \u0219i interesa \u00een mod direct. Iat\u0103 cam care ar fi c\u00e2teva dintre ele:<\/p>\n\n\n<div class=\"is-style-default\"><ul><li><a href=\"https:\/\/financer.ro\/finante-personale\/de-ce-este-important-un-buget\/\">Cum s\u0103 \u00ee\u021bi creezi un buget \u0219i cum te poate el ajuta<\/a><\/li><li><a href=\"https:\/\/financer.ro\/transferwise\/\">Cum func\u021bioneaz\u0103 sistemul TransferWise<\/a><\/li><li><a href=\"https:\/\/financer.ro\/finante-personale\/raspunsuri-transfer-bancar\/\">Ce este acela un transfer bancar<\/a><\/li><li><a href=\"https:\/\/financer.ro\/finante-personale\/ce-este-ircc\/\">Ce este indicele IRCC<\/a><\/li><li><a href=\"https:\/\/financer.ro\/finante-personale\/cont-bancar\/\">Cum te po\u021bi folosi de un cont bancar<\/a><\/li><\/ul><\/div><p><strong>\u0218i, desigur, multe altele. <\/strong><\/p>\n\n\n\n<p>Cu noi vei g\u0103si toate informa\u021biile legate de finan\u021be personale de care ai nevoie. A\u0219a c\u0103, tot ce trebuie s\u0103 faci pentru a g\u0103si r\u0103spunsuri la \u00eentreb\u0103rile pe care le-ai avea, este s\u0103 vizitezi paginile noastre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Nu_i_aa_c_finanele_personale_sunt_frumoase\">Nu-i a\u0219a c\u0103 finan\u021bele personale sunt frumoase?<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/07\/presentation-5-300x300.png\" alt=\"dae\" class=\"wp-image-1535\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/presentation-5-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/presentation-5-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/presentation-5-75x75.png 75w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/presentation-5.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p><em>Ei bine, cei mai mul\u021bi vor r\u0103spunde negativ la aceast\u0103 \u00eentrebare. \u0218i \u00eei po\u021bi \u00een\u021belege de ce. <\/em><\/p>\n\n\n\n<p>La drept vorbind, s\u0103 \u021bii o eviden\u021b\u0103 clar\u0103 a tot ce \u021bine de finan\u021be personale nu este deloc amuzant sau entuziasmant. Ci chiar din contr\u0103, poate p\u0103rea plictisitor. <\/p>\n\n\n\n<p>Din fericire, odat\u0103 ce te-ai obi\u0219nuit cu toate datele, <strong>nu \u00ee\u021bi va mai p\u0103rea deloc o treab\u0103 enervant\u0103 sau agasant\u0103.<\/strong><\/p>\n\n\n\n<p>Finan\u021bele personale pot fi \u00eemp\u0103r\u021bite, grosso modo, \u00een c\u00e2teva elemente de baz\u0103, al c\u0103ror rela\u021bie unul fa\u021b\u0103 de cel\u0103lalt va influen\u021ba sustenabilitatea economic\u0103. <\/p>\n\n\n\n<p>Cele mai importante elemente sunt:<\/p>\n\n\n\n<p><em>Venituri <\/em><\/p>\n\n\n\n<ul class=\"is-style-pros-list\"><li>Salariu<\/li><li>Profitul din investi\u021bii sau alte forme de capital<\/li><li>Alte contribu\u021bii ce \u00ee\u021bi aduc venituri, cum ar fi pensii, asigur\u0103ri sociale etc.<\/li><\/ul><p><em>Pl\u0103\u021bi <\/em><\/p>\n\n\n\n<ul class=\"is-style-cons-list\"><li>Costul cu locuin\u021ba, fie c\u0103 vorbim despre chirie, <a href=\"https:\/\/financer.ro\/credit\/credit-ipotecar\/\">credit ipotecar<\/a> sau \u00eentre\u021binere<\/li><li>Banii cheltui\u021bi pe transport<\/li><li>Costul traiului de zi cu zi \u2013 m\u00e2ncare, \u00eembr\u0103c\u0103minte \u0219i alte bunuri de consum<\/li><\/ul><h2 class=\"wp-block-heading\" id=\"inta_este_atingerea_unui_echilibru\">\u021ainta este atingerea unui echilibru<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2019\/10\/justice-scale.png\" alt=\"csalb\" class=\"wp-image-4755\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/10\/justice-scale.png 512w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/10\/justice-scale-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/10\/justice-scale-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2019\/10\/justice-scale-75x75.png 75w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Finan\u021bele personale reprezint\u0103 o parte foarte important\u0103, care \u00ee\u021bi vor influen\u021ba puternic at\u00e2t via\u021ba, c\u00e2t \u0219i bun\u0103starea ta de zi cu zi. <\/p>\n\n\n\n<p>Dac\u0103 ai mai multe cheltuieli dec\u00e2t venituri, te vei trezi cu un stres monetar inutil, ce va duce, finalmente, la intrarea \u00een datorii.<\/p>\n\n\n\n<p>Pe de alt\u0103 parte, reducerile salariale, indiferent de cauza care le-a generat, aproape sigur \u00ee\u021bi vor afecta ratingul la Biroul de Credit, fapt care se poate s\u0103 \u00ee\u021bi fac\u0103 via\u021ba mai grea pe viitor. <\/p>\n\n\n\n<p>Spre exemplu, dac\u0103 vei dori vreodat\u0103 s\u0103 iei un \u00eemprumut mai mare, sunt \u0219anse ca suma maxim\u0103 pe care vei putea s\u0103 o accesezi s\u0103 nu fie chiar cea dorit\u0103, sau condi\u021biile de creditare s\u0103 fie unele dezavantajoase, tocmai din cauza ratingului slab.<\/p>\n\n\n\n<p>\u00cen consecin\u021b\u0103, ar trebui ca \u00eentotdeauna s\u0103 prive\u0219ti foarte serios tot ce \u021bine de finan\u021be personale. Ai grij\u0103 s\u0103 fie un <strong>echilibru bine stabilit \u00eentre venituri \u0219i cheltuieli<\/strong>, chiar dac\u0103 aceste aspecte nu \u00ee\u021bi par foarte atractive la \u00eenceput.<\/p>\n\n\n\n<p><em>Cu toate c\u0103 banii nu \u00eenseamn\u0103 totul, nu po\u021bi nega faptul c\u0103, cel mai adesea, ace\u0219tia sunt un mijloc prin care ne asigur\u0103m un nivel de trai lini\u0219tit \u0219i sigur.<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Ce sunt aceste finan\u021be personale?<\/h4><div class=\"faq_inner\"><p>Finan\u021bele personale reprezint\u0103 modul \u00een care ne gestion\u0103m banii. Ce sume primim, c\u00e2t cheltuim, creditele pe care le avem \u0219i a\u0219a mai departe.<\/p><\/div><h4>La ce sunt importante finan\u021bele personale?<\/h4><div class=\"faq_inner\"><p>F\u0103r\u0103 un echilibru monetar, se poate s\u0103 te treze\u0219ti \u00een situa\u021bia \u00een care ai mai multe cheltuieli, fa\u021b\u0103 de venituri. Cu alte cuvinte, te vei vedea dator \u0219i nevoit s\u0103 te \u00eemprumu\u021bi. O eviden\u021b\u0103 bun\u0103 a economiei proprii te va ajuta s\u0103 evi\u021bi astfel de situa\u021bii.<\/p><\/div><h4>Din ce sunt compuse finan\u021bele personale?<\/h4><div class=\"faq_inner\"><p>Pentru a \u021bine o eviden\u021b\u0103 clar\u0103 e economiei personale, trebuie s\u0103 faci dou\u0103 tabele distincte:<\/p><p>* Unul pentru venituri, unde s\u0103 notezi toate \u00eencas\u0103rile pe care le ai: salarii, profit rezultat din investi\u021bii, asigur\u0103ri sociale etc.<\/p><p>* Unul pentru cheltuieli, unde s\u0103 scrii toate ie\u0219irile: chirie, transport, m\u00e2ncare \u0219i a\u0219a mai departe<\/p><\/div><h4>Cum te ajut\u0103 Financer.com?<\/h4><div class=\"faq_inner\"><p>Pe site-ul nostru vei g\u0103si o mul\u021bime de articole care se vor dovedi a fi foarte utile \u00een a te ajuta s\u0103 \u00ee\u021bi faci o evaluare c\u00e2t mai exact\u0103 a finan\u021belor proprii. Vei g\u0103si informa\u021bii despre toate tipurile de <a href=\"https:\/\/financer.ro\/credit\/\">credite<\/a> existente \u00een \u021bara noastr\u0103, <a href=\"https:\/\/financer.ro\/economii\/200-sfaturi-despre-economii\/\">sfaturi despre cum s\u0103 economise\u0219ti bani<\/a> \u0219i multe altele.<\/p><\/div><h4>Care este \u021binta?<\/h4><div class=\"faq_inner\"><p>\u021ainta final\u0103 este ob\u021binerea de informa\u021bii. Cu c\u00e2t vei fi mai informat, cu at\u00e2t vei lua decizii financiare mai bune, ce te vor ajuta pe viitor. Deciziile bune \u00een tot ceea ce \u021bine de finan\u021be personale, vor genera venituri mai mari, rezult\u00e2nd bun\u0103stare \u0219i siguran\u021b\u0103. Iar asta este tot ce dorim pentru cititorii no\u0219tri.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cunotine_mai_bune___economie_mai_bun\">Cuno\u0219tin\u021be mai bune &#8211; economie mai bun\u0103<\/h2>\n\n\n\n<div class=\"wp-block-image shortcode-no\"><figure class=\"alignright is-resized\"><img decoding=\"async\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/07\/piggy-bank-300x300.png\" alt=\"ircc\" class=\"wp-image-1536\" width=\"150\" height=\"150\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/piggy-bank-300x300.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/piggy-bank-150x150.png 150w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/piggy-bank-75x75.png 75w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/07\/piggy-bank.png 512w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/figure><\/div>\n\n\n\n<p>Citind articolele de pe Financer.com, vei g\u0103si uneltele ce te vor ajuta s\u0103 iei cele mai bune decizii financiare. <\/p>\n\n\n\n<p>Cu c\u00e2t deciziile luate vor fi mai bune, cu at\u00e2t vei avea mai mul\u021bi bani \u00een buzunar. \u0218i nu doar acum, ci \u0219i pe viitor.<\/p>\n\n\n\n<p><strong>Utilizeaz\u0103 aceast\u0103 pagin\u0103 ca o bibliotec\u0103, dac\u0103 vrei, pentru tot ce \u021bine de finan\u021be personale. <\/strong><\/p>\n\n\n\n<p>Desigur c\u0103 vei putea \u00eentotdeauna s\u0103 ne contactezi, \u00een caz c\u0103 vei avea vreodat\u0103 \u00eentreb\u0103ri sau nel\u0103muriri cu privire la vreun articol, ori dac\u0103 ai nevoie de sfaturi suplimentare. <\/p>\n\n\n\n<p>Totodat\u0103, orice feedback din partea ta este bine venit, at\u00e2t cele laudative, c\u00e2t \u0219i cele critice. Vom \u00eencerca s\u0103 \u00eenv\u0103\u021b\u0103m din fiecare contact primit, de la oricare dintre vizitatorii no\u0219tri.<br>\u00a0<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finan\u021be personale F\u0103r\u0103 o \u00eendrumare adecvat\u0103, se poate ca, \u00een necuno\u0219tin\u021b\u0103 de cauz\u0103, s\u0103 iei c\u00e2teva decizii nu foarte bune,\u2026 <\/p>\n","protected":false},"author":77,"featured_media":1537,"parent":0,"menu_order":3,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[],"tags":[37],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/1202"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=1202"}],"version-history":[{"count":14,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/1202\/revisions"}],"predecessor-version":[{"id":11376,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/1202\/revisions\/11376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/1537"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=1202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=1202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=1202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}