15/09/2021
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Na polovini smo septembra, jednog od finansijski najzahtevnijih meseci, kažu stručnjaci. Nakon godišnjih odmora dočekao nas je početak školske godine, spremanje zimnice, ogreva. Kako da najbezbolnije i najuspešnije odgovorimo na ove jesenje zahteve? Dušan Uzelac sa sajta Kamatica objasnio je kako da napravimo dobar plan za period pun neodložnih jesenjih obaveza. “Aktuelni period je zahtevan period finansijski, iz prostog razloga što smo iz letnjeg stanja bezbrige ušli u redovan život i ciklus koji zahteva i polazak u školu i spremanje zimnice i spremanje ogreva, ko kako već funkcioniše. To su udari na finansije, često neplanirani. Tu je u stvari greška. Septembar dođe svake godine, a nekako su uvek neplanirani troškovi. Ovo je dobar momenat da ovo bude poslednji septembar te vrste i da se planiranjem to reši”, rekao je Dušan Uzelac. Svaka od navedenih, recimo, jesenjih stavki, ima svoj novčani iznos koji se iz godine u godinu ne menja drastično. “To je nešto što možda može da nam pomogne da znamo šta nas čeka sledećeg septembra i da već od oktobra krenemo da odvajamo deo za tu namenu. To je ono što se zove namenska štednja. To nije štednja koja je nešto za šta nemamo konkretnu namenu, nego konkretno, ako je u pitanju slava, registracija automobila, polazak u školu, novogodišnji pokloni, sve su to momenti kada imamo povećane troškove i u finansijama su to momenti kada ustanovimo da nešto nismo uradili kako treba”, naveo je Uzelac. Preostaje nam da shvatimo gde smo pogrešili i da iz toga izvučemo pouku a ne da srljamo u dugove ili očaj. “Tada zahtevamo više novca, tada se okrećemo zaduženjima i tada je manifestacija lošeg upravljanja novcima. Probleme u novcima imamo kada nešto nismo uradili pre šest meseci. Ovo može da se iskoristi kao momenat da se to ispravi”, naglasio je Dušan Uzelac. Jedan od načina je da slušamo savete onih koji umeju da raspolažu novcem, a koji nas stalno podsećaju da je odgovorno ponašanje, odnosno precizno planiranje i vođenje finansija, jedini način da ne ostajemo bez novca u trenutku kada to sebi nikako ne bismo smeli da dozvolimo – kad na naplatu dođe registracija auta, kupovina knjiga ili ogreva, na primer.
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Na polovini smo septembra, jednog od finansijski najzahtevnijih meseci, kažu stručnjaci. Nakon godišnjih odmora dočekao nas je početak školske godine, spremanje zimnice, ogreva. Kako da najbezbolnije i najuspešnije odgovorimo na ove jesenje zahteve? Dušan Uzelac sa sajta Kamatica objasnio je kako da napravimo dobar plan za period pun neodložnih jesenjih obaveza. “Aktuelni period je zahtevan period finansijski, iz prostog razloga što smo iz letnjeg stanja bezbrige ušli u redovan život i ciklus koji zahteva i polazak u školu i spremanje zimnice i spremanje ogreva, ko kako već funkcioniše. To su udari na finansije, često neplanirani. Tu je u stvari greška. Septembar dođe svake godine, a nekako su uvek neplanirani troškovi. Ovo je dobar momenat da ovo bude poslednji septembar te vrste i da se planiranjem to reši”, rekao je Dušan Uzelac. Svaka od navedenih, recimo, jesenjih stavki, ima svoj novčani iznos koji se iz godine u godinu ne menja drastično. “To je nešto što možda može da nam pomogne da znamo šta nas čeka sledećeg septembra i da već od oktobra krenemo da odvajamo deo za tu namenu. To je ono što se zove namenska štednja. To nije štednja koja je nešto za šta nemamo konkretnu namenu, nego konkretno, ako je u pitanju slava, registracija automobila, polazak u školu, novogodišnji pokloni, sve su to momenti kada imamo povećane troškove i u finansijama su to momenti kada ustanovimo da nešto nismo uradili kako treba”, naveo je Uzelac. Preostaje nam da shvatimo gde smo pogrešili i da iz toga izvučemo pouku a ne da srljamo u dugove ili očaj. “Tada zahtevamo više novca, tada se okrećemo zaduženjima i tada je manifestacija lošeg upravljanja novcima. Probleme u novcima imamo kada nešto nismo uradili pre šest meseci. Ovo može da se iskoristi kao momenat da se to ispravi”, naglasio je Dušan Uzelac. Jedan od načina je da slušamo savete onih koji umeju da raspolažu novcem, a koji nas stalno podsećaju da je odgovorno ponašanje, odnosno precizno planiranje i vođenje finansija, jedini način da ne ostajemo bez novca u trenutku kada to sebi nikako ne bismo smeli da dozvolimo – kad na naplatu dođe registracija auta, kupovina knjiga ili ogreva, na primer.
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