{"id":16970,"date":"2022-07-06T07:49:00","date_gmt":"2022-07-06T07:49:00","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/de-ce-nu-poti-economisi-bani-8-lucruri-care-iti-mananca-banii-part-ii"},"modified":"2025-05-15T14:02:33","modified_gmt":"2025-05-15T14:02:33","slug":"obiceiuri-care-iti-consuma-din-buget","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/obiceiuri-care-iti-consuma-din-buget","title":{"rendered":"Obiceiuri care \u00ee\u021bi consum\u0103 din buget"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">Ai sim\u021bit vreodat\u0103 c\u0103, oric\u00e2t de mult te-ai str\u0103dui, nu reu\u0219e\u0219ti s\u0103 economise\u0219ti bani? Sim\u021bi c\u0103, de fiecare dat\u0103 c\u00e2nd \u00eencerci s\u0103 faci un pas \u00eenainte \u00een via\u021ba ta financiar\u0103, te love\u0219ti de o cheltuial\u0103 nea\u0219teptat\u0103 care te face s\u0103 faci doi pa\u0219i \u00eenapoi?<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Majoritatea oamenilor au trecut prin asta la un moment dat. A\u0219a c\u0103, cel pu\u021bin, nu e\u0219ti singurul. Dar acest lucru nu \u00eenseamn\u0103 c\u0103 ar trebui s\u0103 accep\u021bi pur \u0219i simplu.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cite\u0219te cu \u00eencredere mai departe! \u00cen acest articol, vom identifica \u00eenc\u0103 patru dintre cele mai frecvente motive pentru care nu reu\u0219e\u0219ti s\u0103 economise\u0219ti bani \u0219i cum le po\u021bi \u00eenvinge.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Aici la <\/span><b><a href=\"https:\/\/www.transfergo.com\/ro\/\">TransferGo<\/a><\/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 transferi bani online \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=\"#ai-datorii-la-ma\u0219ina\">Ai datorii la ma\u0219in\u0103<\/a><\/li><li class=\"\"><a href=\"#confunzi-dorin\u021bele-cu-nevoile\">Confunzi dorin\u021bele cu nevoile<\/a><\/li><li class=\"\"><a href=\"#plate\u0219ti-o-chirie-prea-mare\">Pl\u0103te\u0219ti o chirie prea mare<\/a><\/li><li class=\"\"><a href=\"#mananci-prea-des-in-ora\u0219\">M\u0103n\u00e2nci prea des \u00een ora\u0219<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ai-datorii-la-ma\u0219ina\"><span style=\"font-weight: 400\">Ai datorii la ma\u0219in\u0103<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">La fel ca \u0219i datoriile la cardul de credit, dac\u0103 pl\u0103te\u0219ti rate lunare la ma\u0219in\u0103, limitezi puternic suma de bani pe care o po\u021bi economisi.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">G\u00e2nde\u0219te-te la asta, dac\u0103 pl\u0103te\u0219ti 300 de euro pe lun\u0103 pentru plata unei ma\u0219ini, sacrifici 3.600 de euro pe an \u00een economii. Aceasta este o sum\u0103 semnificativ\u0103 de bani.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ai putea merge \u00een dou\u0103 sau trei vacan\u021be foarte frumoase \u00een fiecare an cu aceast\u0103 sum\u0103 de bani. Sau, ai putea s\u0103 pui acei bani \u00eentr-un fond de urgen\u021b\u0103 \u0219i s\u0103 previi astfel unele dintre acele <\/span><span style=\"font-weight: 400\">cheltuieli neprev\u0103zute<\/span><span style=\"font-weight: 400\">. Ai putea chiar s\u0103 contribui la un fond de pensie cu ace\u0219ti bani \u0219i s\u0103-i vezi cum ajung s\u0103 se multiplice \u00een urm\u0103toarele dou\u0103 decenii.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ratele la ma\u0219ini fac dificil\u0103 economisirea banilor. A\u0219adar, dac\u0103 vrei s\u0103 economise\u0219ti bani, ar trebui s\u0103-\u021bi termini de pl\u0103tit ma\u0219ina sau chiar s\u0103 te g\u00e2nde\u0219ti s\u0103 o vinzi. Un set frumos de ro\u021bi nu merit\u0103 s\u0103-\u021bi sacrifici <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/7-sfaturi-de-gestionare-banilor-pentru-ti-imbunatati-finantele\/\"><span style=\"font-weight: 400\">securitatea financiar\u0103<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"confunzi-dorin\u021bele-cu-nevoile\"><span style=\"font-weight: 400\">Confunzi dorin\u021bele cu nevoile<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Dorin\u021bele \u0219i nevoile sunt lucruri foarte diferite. Iar dac\u0103 se pare c\u0103 nu reu\u0219e\u0219ti s\u0103 economise\u0219ti niciun ban, atunci s-ar putea s\u0103 le \u00eencurci pe cele dou\u0103. \u0218i, ca s\u0103 fim sinceri, uneori, diferen\u021ba poate fi foarte fin\u0103.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">De exemplu, a construi \u0219i a vinde mobil\u0103 personalizat\u0103 poate fi o afacere secundar\u0103. Iar pentru a construi mobil\u0103, trebuie s\u0103 de\u021bii c\u00e2teva \u00fanelte de baz\u0103, esen\u021biale. Cu toate acestea, se poate trece u\u0219or grani\u021ba dintre dorin\u021b\u0103 \u0219i nevoie \u0219i folosi afacerea ca o scuz\u0103 pentru a cump\u0103ra aproape orice unealt\u0103 pe care o dorim &#8211; chiar \u0219i atunci c\u00e2nd avem tot echipamentul necesar.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ne putem convinge c\u0103 avem nevoie de fiecare unealt\u0103 nou\u0103, pentru c\u0103 ne ajut\u0103 s\u0103 facem \u0219i s\u0103 <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/cum-sa-gandesti-ca-sa-economisesti-cu-spor\/\"><span style=\"font-weight: 400\">economisim<\/span><\/a><span style=\"font-weight: 400\"> mai mul\u021bi bani. S-ar putea totu\u0219i ca fiecare ban pe care \u00eel c\u00e2\u0219tig\u0103m s\u0103 se duc\u0103 doar pentru urm\u0103toarea unealt\u0103.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Ceea ce avem nevoie este s\u0103 ne d\u0103m seama \u0219i s\u0103 nu mai cheltuim to\u021bi banii.<\/span><span style=\"font-weight: 400\"><br>\n<\/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<h2 class=\"wp-block-heading\" id=\"plate\u0219ti-o-chirie-prea-mare\"><span style=\"font-weight: 400\">Pl\u0103te\u0219ti o chirie prea mare<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Ca regul\u0103 general\u0103, ar trebui s\u0103 dai doar 25% p\u00e2n\u0103 la 30% din venitul t\u0103u net pe chirie \u00een fiecare lun\u0103. A\u0219adar, dac\u0103 chiria este mai mare dec\u00e2t at\u00e2t \u0219i nu reu\u0219e\u0219ti s\u0103 str\u00e2ngi bani, atunci ar trebui s\u0103 iei \u00een considerare s\u0103 g\u0103se\u0219ti un loc nou de \u00eenchiriat.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Aici intervine \u0219i confuzia dintre dorin\u021be \u0219i nevoi. De exemplu, nu ai nevoie de blaturi de lemn \u00een apartament dac\u0103 te va costa 100 de euro \u00een plus pe lun\u0103. La fel, n-ai nevoie de garaj dac\u0103 acesta \u00ee\u021bi cre\u0219te chiria cu 85 de euro. <br><br>Exist\u0103 multe \u00eembun\u0103t\u0103\u021biri \u0219i facilit\u0103\u021bi pe care este bine s\u0103 le ai atunci c\u00e2nd \u00eenchiriezi, dar dac\u0103 acestea vin cu pre\u021bul contului t\u0103u de economii, nu merit\u0103.<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>La TransferGo, \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<h2 class=\"wp-block-heading\" id=\"mananci-prea-des-in-ora\u0219\"><span style=\"font-weight: 400\">M\u0103n\u00e2nci prea des \u00een ora\u0219<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Dac\u0103 te \u00eentrebi unde se duc banii t\u0103i \u00een fiecare lun\u0103 \u0219i de ce nu po\u021bi pune deoparte nimic anume, atunci e posibil s\u0103 iei prea des masa \u00een ora\u0219.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Mesele \u00een ora\u0219 sunt gustoase, pl\u0103cute \u0219i u\u0219or de realizat, dar, dac\u0103 nu e\u0219ti atent, pot fi o lovitur\u0103 serioas\u0103 pentru <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/3-principii-de-baza-pentru-reducerea-cheltuielilor-cu-mancarea\/\"><span style=\"font-weight: 400\">economiile tale<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cite\u0219te \u0219i <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/de-ce-nu-poti-economisi-bani-8-lucruri-care-iti-mananca-banii-part\/\"><span style=\"font-weight: 400\">articolul de aici<\/span><\/a><span style=\"font-weight: 400\"> pentru primele patru dintre cele mai frecvente motive pentru care nu reu\u0219e\u0219ti s\u0103 economise\u0219ti bani.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">La final, <\/span><span style=\"font-weight: 400\">dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, d<\/span><span style=\"font-weight: 400\">\u0103<\/span><span style=\"font-weight: 400\">-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 de la noi de la <a href=\"https:\/\/www.transfergo.com\/ro\/\">TransferGo<\/a>!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ai sim\u021bit vreodat\u0103 c\u0103, oric\u00e2t de mult te-ai str\u0103dui, nu reu\u0219e\u0219ti s\u0103 economise\u0219ti bani? Sim\u021bi c\u0103, de fiecare dat\u0103 c\u00e2nd \u00eencerci s\u0103 faci un pas \u00eenainte \u00een via\u021ba ta financiar\u0103, te love\u0219ti de o cheltuial\u0103 nea\u0219teptat\u0103 care te face s\u0103 faci doi pa\u0219i \u00eenapoi? Majoritatea oamenilor au trecut prin asta la un moment dat. A\u0219a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16971,"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-16970","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\/obiceiuri-care-iti-consuma-din-buget","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Obiceiuri care \u00ee\u021bi consum\u0103 din buget","url":"http:\/\/www.transfergo.com\/ro\/obiceiuri-care-iti-consuma-din-buget","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/obiceiuri-care-iti-consuma-din-buget"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/shutterstock_382357681.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/shutterstock_382357681.jpg"},"articleSection":"Sfaturi: finan\u021bele personale","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2022-07-06T07:49:00Z","datePublished":"2022-07-06T07:49:00Z","dateModified":"2025-05-15T14:02:33Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Obiceiuri care \\u00ee\\u021bi consum\\u0103 din buget\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/obiceiuri-care-iti-consuma-din-buget\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/obiceiuri-care-iti-consuma-din-buget\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/shutterstock_382357681.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/shutterstock_382357681.jpg\"},\"articleSection\":\"Sfaturi: finan\\u021bele personale\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2022-07-06T07:49:00Z\",\"datePublished\":\"2022-07-06T07:49:00Z\",\"dateModified\":\"2025-05-15T14:02:33Z\"}<\/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\/shutterstock_382357681.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16970","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=16970"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16970\/revisions"}],"predecessor-version":[{"id":249152,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16970\/revisions\/249152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/16971"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=16970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=16970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=16970"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}