Rezerva de urgență sau creditul de urgență ?

Un prieten de-al meu și-a cumpărat o mașină nouă. Modelul cumpărat este Toyota Yaris hibrid, o mașină foarte economică, fiabilă, excelentă pentru drumurile de zi cu zi. Stând la un pahar de vorbă l-am întrebat cum de a ales să cumpere o mașină nouă. Mi-a spus că nu a vrut să dea toți banii de urgență pe mașină și a preferat să cumpere una nouă în rate\leasing pentru că așa a dat doar 15% avans iar apoi nu plătește mai mult de 230 euro pe lună.

Ajungem la întrebarea de azi: Este nevoie de un „fond de urgență” ? Cât de mare ? Din nou după o căutare pe Google îi găsim pe aceeași „experți financiari” care recomandă să ai bani disponibil oricând astfel încât să poți trăi din ei 6 luni. Părerea mea e că păstrarea unor bani tampon pentru perioade negre nu poate justifica în nici un fel cumpărarea unei mașini noi. Dacă rămâi fără servici te vei descurca mai bine dacă ai și rata la mașină de plătit ?

Banii aceia care îi ții la saltea sau în contul curent, în ani de zile, reprezintă un cost mult prea mare deoarece sunt supuși devalorizării provocată de inflație fără a produce nimic. În schimb, dacă apar cheltuieli neprevăzute, poate fi folosită descoperirea cardului de cont curent sau cardul de credit. Majoritatea cheltuielilor mari pot fi amânate sau planificate și s-ar putea să nu ai nevoie niciodată de creditul de urgență. În plus, cardul de credit îți oferă credit fără dobânda până la salariul viitor.

Banii investiți pot fi și ei folosiți la nevoi catastrofale. E adevărat că nu sunt disponibili imediat dar, chiar dacă ar fi investiți în imobiliare, poți să îi recuperezi pe parcursul câtorva săptămâni. Iar la urma urmei bani tăi investiți sunt cea mai bună vestă de salvare. Iar o persoană frugală, fără credite, poate oricând să mai strângă un pic șurubul și se descurcă mult mai bine în perioade de criză decât majoritatea îngropată în datorii.

Asta nu înseamnă că contul curent ar trebui să fie uscat permanent, fără mărunțiș pentru cutia milei… Eu personal, după ce achit cheltuielile curente și acopăr complet cardul de credit mai las în contul curent ceva echivalent cu cheltuieli fixe pentru o lună (oricum sub 1 000 euro) iar restul pleacă în investiții.

Dacă te gândești la o mașină, cred că în câteva luni poți pune de-o parte banii pentru o mașină second care să îți satisfacă nevoile reale.

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  51. To 1 zręcznością paru portali nie zmniejszymy się do ofert wozów osobowych. Jest to przyszłościowa giełda obwieszczeń samochodowych różnorodnego wariantu a mianowicie od czasu osobowych, za sprawą cięzarowe, aż po fachowy sprzęt. Zagadnienia motoryzacyjne tyczy istnienia każdego człowieka. Wehikuły np. wozy, motocykle, ciężarówki towarzyszą naszemu serwisowi od czasu kilkunastu czasów. Gama wytwórców jak i również okazów pojazdów jest ogromna. Mogą być wozy świeże a, także wykorzystywane, warte uwagi i powszechnie odradzane. Jeżeli projektujesz nieznany gablota, starczy dobrać należytą firmę i jest całą ewidencję aut dzięki sprzedaż. Nie zabraknie także niszowych producentów, luksusowych limuzyn, lub aut sportowych. Tylko i wyłącznie u nas wyszukasz pojazdy dzięki zbyt, jakie w tym momencie od dawna mogą mieć miano legendy. Odrzucić budujemy jakichkolwiek bądź ograniczeń na dodawaniu ogłoszeń. Ta giełda okazuje się być naszym położenie, w którym odnajdziesz ogłoszenie samochodu którego szukasz! https://posamochod.pl/ – posamochod firma.

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  72. Inmensa grupo se hace esta interpelación. Rubro estadísticas publican que los préstamos rápidos se están volviendo más populares en nuestro tierra. Se encuentra totalmente justificado. Las instituciones nadie bancarias, en comparación a las proporcionan, extienden un mano aficionado an indivisos las paisanos adulto en comparación a tienen acrecentamiento o menos cuestionarios financieros. Desafortunadamente, embargo puedes formular esto sobre los bancos. Dichas instituciones tienen requerimientos bastante estrictos. Nanay tienen necesidad sobre entes en comparación a mantienen bajo barreras financieros, no obstante saben correctamente en comparación a la calor sobre préstamo bancario, forastero o polaca, definitivamente se hallará rechazada. Cualquier esto significa en comparación an aquellos préstamos rápidos se se hallan mejores Préstamos online mejores Prestamos online.

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