{"id":16837,"date":"2022-05-10T12:16:24","date_gmt":"2022-05-10T12:16:24","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/un-obiectiv-financiar-smart-sau-cum-sa-obtii-rezultatele-mult-dorite"},"modified":"2025-05-15T13:40:34","modified_gmt":"2025-05-15T13:40:34","slug":"obiectiv-financiar-smart-rezultatele-dorite","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/obiectiv-financiar-smart-rezultatele-dorite","title":{"rendered":"Un obiectiv financiar SMART sau cum s\u0103 ob\u021bii rezultatele mult dorite"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">Ai observat \u0219i tu c\u0103 ideea aceasta vag\u0103 de <\/span><span style=\"font-weight: 400\">\u201ea pune ni\u0219te bani deoparte\u201d nu prea d\u0103 rezultate? Doar s\u0103 ne propunem \u201es\u0103 economisim ni\u0219te bani\u201d nu func\u021bioneaz\u0103 tocmai cum ne-am dori. Aceasta pentru c\u0103 \u0219ansele realiz\u0103rii unui obiectiv financiar sunt efectiv sc\u0103zute \u00een lipsa stabilirii unui scop clar \u0219i precis.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cu to\u021bii avem obiective. Cum \u0219tim \u00eens\u0103 dac\u0103 suntem pe drumul cel bun c\u0103tre realizarea lor? E cunoscut faptul c\u0103 \u0219ansele sunt mai mari s\u0103 le \u00eendeplinim dac\u0103 reu\u0219im s\u0103 le definim mai limpede. \u0218i tocmai aici intervine rolul definirii SMART. <\/span><span style=\"font-weight: 400\">Cite\u0219te cu \u00eencredere mai departe! \u00cen articolul de ast\u0103zi vorbim despre ce reprezint\u0103 un obiectiv financiar SMART \u0219i de ce e rentabil s\u0103-l construim astfel.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Aici la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd&nbsp;<\/span><a href=\"https:\/\/www.transfergo.com\/ro\/ce-se-intampla-cand-transferi-bani-online\/\"><span style=\"font-weight: 400\">transferi bani online<\/span><\/a><span style=\"font-weight: 400\"> \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#ce-reprezinta-un-obiectiv-smart\">Ce reprezint\u0103 un obiectiv SMART?<\/a><ul><li class=\"\"><a href=\"#cum-da-rezultate-un-obiectiv-financiar-smart\">Cum d\u0103 rezultate un obiectiv financiar SMART\u00a0<\/a><\/li><li class=\"\"><a href=\"#specific-1800-de-euro-pentru-avans-la-prima-casa\">Specific &#8211; 1800 de euro pentru avans la prima cas\u0103\u00a0<\/a><\/li><li class=\"\"><a href=\"#masurabil-50-de-euro-pe-luna\">M\u0103surabil &#8211; 50 de euro pe lun\u0103\u00a0<\/a><\/li><li class=\"\"><a href=\"#de-atins-50-de-euro-bani-pu\u0219i-deoparte-este-realizabil\">(de) Atins &#8211; 50 de euro bani pu\u0219i deoparte este realizabil\u00a0<\/a><\/li><li class=\"\"><a href=\"#relevant-scopul-este-plata-avansului-la-un-credit-prima-casa\">Relevant &#8211; Scopul este plata avansului la un credit prima cas\u0103\u00a0<\/a><\/li><li class=\"\"><a href=\"#termen-limita-pana-in-luna-mai-2025\">Termen limit\u0103 &#8211; P\u00e2n\u0103 \u00een luna mai 2025\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ce-reprezinta-un-obiectiv-smart\"><span style=\"font-weight: 400\">Ce reprezint\u0103 un obiectiv SMART?<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">S\u0103 vedem mai \u00eent\u00e2i de unde vine SMART. SMART este o prescurtare care vine de la urm\u0103toarele:&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">S \u2013 specific&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">M \u2013 m\u0103surabil<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">A \u2013 de atins sau realizabil&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">R \u2013 relevant pentru scopul mare sau orientat spre rezultate&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">T \u2013 \u00eencadrat \u00een timp sau av\u00e2nd un termen limit\u0103&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cum ar ar\u0103ta, a\u0219adar, un <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/blog\"><span style=\"font-weight: 400\">obiectiv financiar<\/span><\/a><span style=\"font-weight: 400\"> SMART?<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/ro\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg?resize=1024,576\" alt=\"obiectiv-financiar-smart-rezultatele-dorite\" class=\"wp-image-249088\" srcset=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg 1920w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg?resize=300,169 300w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg?resize=768,432 768w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg?resize=1024,576 1024w, https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/05\/obiectiv-financiar-smart-rezultatele-dorite.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cum-da-rezultate-un-obiectiv-financiar-smart\"><span style=\"font-weight: 400\">Cum d\u0103 rezultate un obiectiv financiar SMART&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Cu to\u021bii ne dorim s\u0103 sc\u0103p\u0103m de <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/ce-e-de-facut-si-cum-putem-sa-ne-reducem-datoriile\/\"><span style=\"font-weight: 400\">datorii<\/span><\/a><span style=\"font-weight: 400\">. \u00cen acest scop, e nevoie s\u0103 economisim. Pe de alt\u0103 parte, dac\u0103 n-avem nicio datorie spunem des c\u0103 ar fi bine s\u0103 punem ceva bani deoparte. Cine nu \u0219i-ar dori s\u0103 tr\u0103iasc\u0103 mai bine, ci nu doar de a un salariu la altul? Cu toate acestea, de cele mai multe ori acest lucru nu se \u00eent\u00e2mpl\u0103. \u00cen lipsa unui scop concret, clar \u0219i precis, ac\u021biunile \u00eent\u00e2rzie s\u0103 apar\u0103. Din aceast\u0103 cauz\u0103, economisirea nu devine o realitate.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Dac\u0103, \u00eens\u0103, am reu\u0219i s\u0103 ne definim obiectivul financiar astfel \u00eenc\u00e2t s\u0103 fie specific, m\u0103surabil, realizabil \u0219i cu un termen limit\u0103, \u0219i relevant, \u0219ansele s\u0103 realiz\u0103m ce ne-am propus devin reale.&nbsp;<\/span><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400\">S\u0103 pun deoparte 50 de euro pe lun\u0103, pentru urm\u0103torii trei ani, astfel ca p\u00e2n\u0103&nbsp; mai 2025 s\u0103 am str\u00e2n\u0219i 1800 de euro. Ace\u0219ti 1800 de euro se vor ad\u0103uga celor 1200 euro economii pe care \u00eei am deja, iar cu suma de 300 de euro \u00eemi voi putea pl\u0103ti avansul de 5% la creditul prima cas\u0103.&nbsp;<\/span><\/i><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Hai s\u0103 vedem de ce obiectivul definit mai sus este un obiectiv financiar SMART. Mai ales, s\u0103 afl\u0103m de ce d\u0103 rezultate!&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Ai nevoie s\u0103 transferi bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/i><i> exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/i><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"specific-1800-de-euro-pentru-avans-la-prima-casa\"><span style=\"font-weight: 400\">Specific &#8211; 1800 de euro pentru avans la prima cas\u0103&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Am stabilit exact de c\u00e2\u021bi bani am nevoie. Mai important, am stabilit pentru ce fac efortul de a economisi. \u0218tiu ce vreau s\u0103 ob\u021bin cu ace\u0219ti bani, \u0219i asta m\u0103 motiveaz\u0103 puternic.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"masurabil-50-de-euro-pe-luna\"><span style=\"font-weight: 400\">M\u0103surabil &#8211; 50 de euro pe lun\u0103&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Am stabilit c\u0103 pun deoparte c\u00e2te 50 de euro \u00een fiecare lun\u0103. \u00cen felul acesta, pot s\u0103 urm\u0103resc dac\u0103 sunt \u00een plan. Dac\u0103 nu am reu\u0219it s\u0103 pun 50 de euro luna aceasta, am grij\u0103 s\u0103 pun 100 de euro luna urm\u0103toare.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"de-atins-50-de-euro-bani-pu\u0219i-deoparte-este-realizabil\"><span style=\"font-weight: 400\">(de) Atins &#8211; 50 de euro bani pu\u0219i deoparte este realizabil&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Salariul meu net este de 1650 de euro. Dup\u0103 ce scad totalul cheltuielilor lunare de 1150 de euro \u0219i 150 de euro rata la banca, r\u0103m\u00e2n cu 250 de euro \u00een m\u00e2na. Pot s\u0103 pun deoparte 50 de euro din 250&nbsp; de euro.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"relevant-scopul-este-plata-avansului-la-un-credit-prima-casa\"><span style=\"font-weight: 400\">Relevant &#8211; Scopul este plata avansului la un credit prima cas\u0103&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">\u0218tiu c\u0103 <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/cum-sa-gandesti-ca-sa-economisesti-cu-spor\/\"><span style=\"font-weight: 400\">economisesc<\/span><\/a><span style=\"font-weight: 400\"> cu scopul de a str\u00e2nge banii de avans pentru cas\u0103. Toate eforturile mele sunt pentru acest scop.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"termen-limita-pana-in-luna-mai-2025\"><span style=\"font-weight: 400\">Termen limit\u0103 &#8211; P\u00e2n\u0103 \u00een luna mai 2025&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Am stabilit un termen de trei ani \u00een care voi face economii de 50 de euro pe lun\u0103. Am, a\u0219adar, un orizont de timp stabilit. \u0218tiu c\u00e2t dureaz\u0103 s\u0103 \u00eemi ating obiectivul de a avea 1800 de euro pu\u0219i deoparte.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>La <\/i><i>TransferGo<\/i><i>, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een&nbsp; siguran\u021b\u0103 la cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/i><i> \u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume!<\/i><\/strong><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">E r\u00e2ndul t\u0103u acum. Te invit\u0103m s\u0103 \u00ee\u021bi define\u0219ti un obiectiv financiar SMART dup\u0103 modelul de mai sus \u0219i s\u0103 te bucuri de rezultate!<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cite\u0219te \u0219i<\/span><a href=\"https:\/\/www.transfergo.com\/ro\/blog\"> <span style=\"font-weight: 400\">articolul de aici<\/span><\/a><span style=\"font-weight: 400\"> ca s\u0103 afli 15 feluri \u00een care un obiectiv financiar e profitabil.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">La final, dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, d\u0103-l mai departe printr-un share p<\/span><span style=\"font-weight: 400\">e<\/span><a href=\"https:\/\/www.facebook.com\/transfergo.romania\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Facebook<\/span><\/a><span style=\"font-weight: 400\"> \u0219<\/span><span style=\"font-weight: 400\">i WhatsApp, sau orice alt mijloc de social media pe care-l folose\u0219ti.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Spor la<\/span> <span style=\"font-weight: 400\">bani<\/span><span style=\"font-weight: 400\"> de la noi de la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ai observat \u0219i tu c\u0103 ideea aceasta vag\u0103 de \u201ea pune ni\u0219te bani deoparte\u201d nu prea d\u0103 rezultate? Doar s\u0103 ne propunem \u201es\u0103 economisim ni\u0219te bani\u201d nu func\u021bioneaz\u0103 tocmai cum ne-am dori. Aceasta pentru c\u0103 \u0219ansele realiz\u0103rii unui obiectiv financiar sunt efectiv sc\u0103zute \u00een lipsa stabilirii unui scop clar \u0219i precis. Cu to\u021bii avem obiective. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16838,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1313],"tags":[],"business_case_studies_tags":[],"class_list":["post-16837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-sfaturi-finantele-personale"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/obiectiv-financiar-smart-rezultatele-dorite","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Un obiectiv financiar SMART sau cum s\u0103 ob\u021bii rezultatele mult dorite","url":"http:\/\/www.transfergo.com\/ro\/obiectiv-financiar-smart-rezultatele-dorite","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/obiectiv-financiar-smart-rezultatele-dorite"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/obiectiv-fin.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/obiectiv-fin.jpg"},"articleSection":"Sfaturi: finan\u021bele personale","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2022-05-10T12:16:24Z","datePublished":"2022-05-10T12:16:24Z","dateModified":"2025-05-15T13:40:34Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Un obiectiv financiar SMART sau cum s\\u0103 ob\\u021bii rezultatele mult dorite\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/obiectiv-financiar-smart-rezultatele-dorite\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/obiectiv-financiar-smart-rezultatele-dorite\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/obiectiv-fin.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/obiectiv-fin.jpg\"},\"articleSection\":\"Sfaturi: finan\\u021bele personale\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2022-05-10T12:16:24Z\",\"datePublished\":\"2022-05-10T12:16:24Z\",\"dateModified\":\"2025-05-15T13:40:34Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/obiectiv-fin.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=16837"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16837\/revisions"}],"predecessor-version":[{"id":249099,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16837\/revisions\/249099"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/16838"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=16837"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=16837"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=16837"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}