{"id":10238,"date":"2020-11-12T10:32:40","date_gmt":"2020-11-12T10:32:40","guid":{"rendered":"https:\/\/wp.erdmost.hu\/2020\/11\/12\/ne-csak-koltsuk-penzt-gazdalkodjunk-vele\/"},"modified":"2020-11-12T10:32:40","modified_gmt":"2020-11-12T10:32:40","slug":"ne-csak-koltsuk-penzt-gazdalkodjunk-vele","status":"publish","type":"post","link":"https:\/\/erdmost.hu\/en\/2020\/11\/12\/ne-csak-koltsuk-penzt-gazdalkodjunk-vele\/","title":{"rendered":"Ne csak k\u00f6lts\u00fck a p\u00e9nzt, gazd\u00e1lkodjunk is vele!"},"content":{"rendered":"

Az emberek t\u00f6bbs\u00e9g\u00e9nek nincs annyi bev\u00e9tele, amib\u0151l f\u00e9lre tudna tenni. Hogy k\u00edv\u00e1nhatjuk t\u0151l\u00fck m\u00e9gis, hogy takar\u00e9koskodjanak?<\/strong><\/o:p><\/p>\n

Nagyon fontos lenne, hogy be\u00e9p\u00fclj\u00f6n az emberek \u00e9let\u00e9be az a szeml\u00e9let, hogy ne csak k\u00f6lts\u00e9k a p\u00e9nzt, hanem gazd\u00e1lkodjanak vele. Az els\u0151 l\u00e9p\u00e9s az, hogy tiszt\u00e1ban legy\u00fcnk a bev\u00e9teleinkkel \u00e9s a kiad\u00e1sainkkal. Tudnunk kell, mi az a minimum \u00f6sszeg, amire sz\u00fcks\u00e9g\u00fcnk van ahhoz, hogy kifizess\u00fck a sz\u00e1ml\u00e1inkat \u00e9s alapvet\u0151 szinten tudjuk kezelni a k\u00f6lts\u00e9geinket.<\/o:p><\/p>\n

Mit javasol annak, aki szereti k\u00e9t k\u00e9zzel sz\u00f3rni a p\u00e9nzt?<\/strong><\/o:p><\/p>\n

L\u00e9tezik egy nagyon j\u00f3 m\u00f3dszer, z\u00e9r\u00f3 budget-nek h\u00edvj\u00e1k. Ez azt jelenti, hogy el\u0151sz\u00f6r elk\u00fcl\u00f6n\u00edtj\u00fck azt az \u00f6sszeget, amit f\u00e9lre szeretn\u00e9nk tenni, \u00e9s ut\u00e1na a marad\u00e9kot k\u00f6lthetj\u00fck. \u00c1ltal\u00e1ban 10 sz\u00e1zal\u00e9kot szoktam javasolni. \u00c1ltal\u00e1ban \u00e9szre sem vessz\u00fck azt a kis hi\u00e1nyt, k\u00e9s\u0151bb viszont nem kell kar\u00e1csonyi aj\u00e1nd\u00e9kokra vagy nyaral\u00e1sra mondjuk szem\u00e9lyi hitelt felvenni. De nagyon j\u00f3 m\u00f3dszer az is, ha minden nap ki\u00fcr\u00edtj\u00fck az apr\u00f3t a t\u00e1rc\u00e1nkb\u00f3l egy malacperselybe.<\/o:p><\/p>\n

Hogyan lehet megv\u00e1ltoztatni az emberek gondolkod\u00e1s\u00e1t a takar\u00e9koss\u00e1ggal kapcsolatban?<\/strong><\/o:p><\/p>\n

A c\u00e9l az, hogy a p\u00e9nz gy\u0171jt\u00e9se legal\u00e1bb olyan \u00f6r\u00f6m\u00f6t okozzon, mint az elk\u00f6lt\u00e9se. Ha hitelekre k\u00e9nyszer\u00edtj\u00fck magunkat, akkor eladjuk a j\u00f6v\u0151nket a jelen\u00fcnk\u00e9rt. Ha nincsenek tartal\u00e9kaink, elvtelen d\u00f6nt\u00e9seket hozunk.<\/o:p><\/p>\n

Hiszen tartal\u00e9k h\u00edj\u00e1n akkor sem mondunk fel a munkahely\u00fcnk\u00f6n, ha r\u00e9mesen \u00e9rezz\u00fck magunkat. Vagy b\u00f6lcs\u0151d\u00e9be adjuk a gyereket, pedig szeretn\u00e9nk otthon maradni vele, de nem tehetj\u00fck meg. Vagy ak\u00e1r betegen is dolgozunk, csak hogy ne legyen kevesebb a fizet\u00e9s\u00fcnk. <\/p>\n

Hogyan juthat p\u00e9ld\u00e1ul egy mai fiatal lak\u00e1shoz a jelenlegi ingatlan\u00e1rak mellett?<\/strong><\/o:p><\/p>\n

R\u00e9gen az ingatlan \u00e9letc\u00e9l volt, ma sokak sz\u00e1m\u00e1ra el\u00e9rhetetlen. Azt tapasztalom, hogy sokan m\u00e1r nem is gondolkodnak saj\u00e1t lak\u00e1sban, ink\u00e1bb arra t\u00f6rekednek, hogy norm\u00e1lis alb\u00e9rletben \u00e9ljenek, \u00e9s mellette tudj\u00e1k finansz\u00edrozni az \u00e9let\u00fcket.<\/o:p><\/p>\n

Egy p\u00e9nz\u00fcgyi mentor kiz\u00e1r\u00f3lag azzal foglalkozik, hogyan gazd\u00e1lkodjunk a rendelkez\u00e9s\u00fcnkre \u00e1ll\u00f3 p\u00e9nzzel?<\/strong><\/o:p><\/p>\n

Term\u00e9szetesen nem. Az \u00fcgyfeleimmel nemcsak arr\u00f3l besz\u00e9lget\u00fcnk, hogyan b\u00e1nhatnak \u00fcgyesebben a p\u00e9nzzel, hanem arr\u00f3l is, hogyan tudnak v\u00e1ltoztatni az \u00e9let\u00fck\u00f6n a c\u00e9ljaik megval\u00f3s\u00edt\u00e1sa \u00e9rdek\u00e9ben.<\/p>","protected":false},"excerpt":{"rendered":"

Csatos Erika p\u00e9nz\u00fcgyi mentorral besz\u00e9lgett\u00fcnk, aki szerint a c\u00e9l az, hogy a p\u00e9nz gy\u0171jt\u00e9se legal\u00e1bb olyan \u00f6r\u00f6m\u00f6t okozzon, mint az elk\u00f6lt\u00e9se.<\/p>","protected":false},"author":8,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"cikk_cimkek":[25],"content_flags":[],"content_icons":[],"class_list":["post-10238","post","type-post","status-publish","format-standard","hentry","category-erdmost","cikk_cimkek-mindennapok"],"acf":[],"_links":{"self":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/10238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/comments?post=10238"}],"version-history":[{"count":0,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/posts\/10238\/revisions"}],"wp:attachment":[{"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/media?parent=10238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/categories?post=10238"},{"taxonomy":"cikk_cimkek","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/cikk_cimkek?post=10238"},{"taxonomy":"content_flags","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_flags?post=10238"},{"taxonomy":"content_icons","embeddable":true,"href":"https:\/\/erdmost.hu\/en\/wp-json\/wp\/v2\/content_icons?post=10238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}