{"id":235,"date":"2009-11-10T13:14:04","date_gmt":"2009-11-10T10:14:04","guid":{"rendered":"http:\/\/taupykle.blogr.lt\/?p=235"},"modified":"2009-11-10T13:14:04","modified_gmt":"2009-11-10T10:14:04","slug":"taupymas-ir-juodos-dienos-fondo-dydis","status":"publish","type":"post","link":"https:\/\/www.kurdingopinigai.lt\/taupykle\/?p=235","title":{"rendered":"Taupymas ir juodos dienos fondo dydis"},"content":{"rendered":"

Juodos dienos atsarg\u0173 dydis – ma\u017eais \u017eingsneliais \u012f priek\u012f.<\/strong><\/p>\n

Skaitant \u012fvairius asmenini\u0173 finans\u0173 ra\u0161inius kyla min\u010di\u0173 apie taupym\u0105, kiek pinig\u0173 reikt\u0173 atsid\u0117ti bei pirkim\u0105 skolon.<\/p>\n

Dalis ra\u0161an\u010di\u0173j\u0173 skai\u010diuoja pagal u\u017edirbam\u0173 pinig\u0173 kiek\u012f. Mano nuomone, toks skai\u010diavimas tinka tik tuomet, kai t\u0173 pajam\u0173 yra daugiau nei i\u0161laid\u0173 ir jos stabilios.<\/p>\n

Prakti\u0161kai reikia gyventi pagal pajamas, o tai rei\u0161kia, kad stengiantis i\u0161laidos pajam\u0173 vir\u0161yti netur\u0117t\u0173. Apie greit\u0173 kredit\u0173 pelk\u0119 esu ra\u0161\u0119s \u010dia.<\/a><\/p>\n

Juodos dienos fondui atsid\u0117j\u0117jimus si\u016bloma daryti tokius, kad u\u017etekt\u0173 pinig\u0173 i\u0161gyventi bent 6 m\u0117nesius netekus pajam\u0173.<\/strong> Savo m\u0117nesio pinig\u0173 poreik\u012f galite su\u017einoti KURdingoPINIGAI.lt<\/a> . V\u0117lgi, greitai sukaupti toki\u0105 sum\u0105 – nelabai realu,<\/strong> nes pagal \u017eemiau esan\u010dio pavyzd\u017eio skai\u010diavimus reikia minimum 18,000 lit\u0173.<\/p>\n

Sakykim \u0161eimos m\u0117nesio i\u0161laidos \u012fskaitant paskol\u0105 – 3,000 lit\u0173. O pajamos: 1,200 + 2,300 lit\u0173. M\u0117nesio pabaigoje likutis tur\u0117t\u0173 b\u016bti +500 lit\u0173. Atidedant j\u012f taupymui per metus tur\u0117t\u0173 gautis apie 6,000 lit\u0173 + pal\u016bkanos, kas sudaro \u0161eimos 2 m\u0117nesi\u0173 pinig\u0173 poreik\u012f. Ma\u017eoka.<\/p>\n

Galima skai\u010diuoti ir kiek kitaip: sakykim, darb\u0105 prarast\u0173 vienas \u0161eimos narys. Pirmuoju atveju – neigiamas balansas (-700 lit\u0173), antruoju (-1,800 lit\u0173).
\n\u0160is skai\u010diavimas tinka, jei kuriam nors i\u0161 \u0161eimos dirban\u010di\u0173j\u0173 gresia prarasti darb\u0105.<\/p>\n

Pirmuoju atveju sukaupt\u0173 6000 lit\u0173 atsarg\u0173 u\u017etekt\u0173 8,5 m\u0117nesio, kad pajam\u0173 netekimas stipriai nepaveikt\u0173\u00a0 \u0161eimos i\u0161laid\u0173. Antruoju atveju – apie 3 m\u0117nesius ir 10 dien\u0173. Realiai \u0161ie skai\u010diavimai n\u0117ra visi\u0161kai tiksl\u016bs, nes praradus darb\u0105 \u012fsijugia (bent jau tur\u0117t\u0173) rimtas taupymo re\u017eimas, d\u0117l ko sukaupto juodos dienos fondo tur\u0117t\u0173 u\u017etekti ilgiau.<\/p>\n

I\u0161vada<\/strong>: KURdingoPINIGAI.lt pagalba su\u017einojus savo \u0161eimos m\u0117nesio pinig\u0173 poreik\u012f galima susiskai\u010diuoti sum\u0105, kurios tur\u0117jimas palengvint\u0173 sunkesnius laikus. \u0160i\u0105 sum\u0105, gerokai pasistengus, \u012fmanoma sukaupti per metus. <\/strong>Ir ji ma\u017eesn\u0117, nes skai\u010diuojamas tik b\u016bsimas pinig\u0173 tr\u016bkumas kur\u012f reikt\u0173 kompensuoti negerov\u0117s laikotarpiu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Juodos dienos atsarg\u0173 dydis – ma\u017eais \u017eingsneliais \u012f priek\u012f. Skaitant \u012fvairius asmenini\u0173 finans\u0173 ra\u0161inius kyla min\u010di\u0173 apie taupym\u0105, kiek pinig\u0173 reikt\u0173 atsid\u0117ti bei pirkim\u0105 skolon. Dalis ra\u0161an\u010di\u0173j\u0173 skai\u010diuoja pagal u\u017edirbam\u0173 pinig\u0173 kiek\u012f. Mano nuomone, toks skai\u010diavimas tinka tik tuomet, kai t\u0173 pajam\u0173 yra daugiau nei i\u0161laid\u0173 ir jos stabilios. Prakti\u0161kai reikia gyventi pagal pajamas, o […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[35,79,94,117,118,168,203],"_links":{"self":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts\/235"}],"collection":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=235"}],"version-history":[{"count":0,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=\/wp\/v2\/posts\/235\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kurdingopinigai.lt\/taupykle\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}