Ați văzut ultimul Huawei P30 pro ? Este un telefon extraordinar, probabil cea mai avansată tehnologie existentă înglobată într-un telefon cu design foarte reușit. Cum să reziști să nu îl cumperi mai ales dacă ai banii disponibili în cont ? Ar trebui să îi reziști ?
Dacă vorbim strict din punct de vedere financiar este o folosire foarte proastă a banilor. În primul rând același produs cumpărat nou peste un an îl găsești la jumătate din prețul de lansare. Nu mai zic de „muncitorii care îi concediezi” – a se citi bani care îi folosești și nu mai produc alți bani. Practic ai deja un telefon care face aproape același lucru pentru că diferențele de la o generație la alta sunt mult mai mici decât producătorul lasă să se înțeleagă. Dacă chiar îți trebuie să cumperi un telefon atunci de ce nu ai alege unul dintr-o generație anterioară cu prețul la un sfert. De exemplu Huawei Mate 10 Lite apărut cu 18 luni înainte de P 30 pro. Da, are caracteristici inferioare de exemplu camera de selfie de 13 MP în loc de 32 MP (având în vedere că 2 MP e suficient pentru a printa o poză pe o foaie A4). Mai ai varianta să cumperi la mâna a doua de pe Facebook. Găsești sigur telefonul unuia care „trebuie” să aibă modelul cel mai nou și bineînțeles că va vinde modelul aproape nou și mai ieftin decât e în magazin. De curiozitate m-am uitat acum pe Facebook și am găsit Huawei Mate 20 pro, vârful de gamă apărut în urmă cu 6 luni, la jumătate față de prețul de lansare.
În aceeași ordine de idei mă tentează și mașina nouă cumpărată de prietenul meu. Tehnologie nouă, design avangardist, economie de combustibil. Singura problemă e dacă chiar am nevoie de o mașină nouă. Bineînțeles că găsești tot timpul un motiv pentru care „trebuie” să ai mașina aia dar dacă ești realist cu tine însuți, vei vedea că este încă un lucru pe care egoul tău îl dorește și care nu are nici o legătură cu nevoile obiective de deplasare. Cu cât mă gândesc mai mult la asta cu atât îmi dau seama că mașina mea mare, cumpărată nouă în alte vremuri, nu îmi mai trebuie și că ar trebui să o schimb cu una mult mai mică. Cred că la toamnă voi face pasul acesta.
Dacă nu cumperi aceste produse noi îți cumperi practic timp. Auzim mereu afirmația: „pentru ce muncesc dacă nici măcar…aia sau cealaltă … nu îmi permit să cumpăr ?” Sigur că îți permiți în schimb adunând lucruri ajungi ca acestea să te dețină/ controleze pe tine. Muncești să plătești rata la mașină pentru benzină, accesorii, revizii, asigurare – deci tu muncești pentru mașină nu mașina pentru tine. Cine e proprietarul ? Poți înlocui cuvântul mașină cu ce dorești tu. Muncești pentru a avea bani să cumperi telefonul cel nou plus sticlă de protecție eventual accesorii sau reparații. Muncește cumva telefonul pentru tine ? Nu, tu pentru el.
Și pentru a calcula exact cât trebuie să muncești să luam exemplul persoanei care nu vrea să aibă permanent o mașină veche ci la fiecare 5 ani să o cumpere nouă. Asta înseamnă că la fiecare 5 ani are, pentru o mașină de 20 000 euro, o cheltuială în plus de cel puțin 10 000 euro în cazul cel mai optimist. Chiar dacă cumpără mașina fără credit înseamnă o cheltuială anuală mai mare de 2 000 euro. Pentru a o susține după retragere din activitate ar trebui ca „fondul de pensii” să fie mai mare cu 50 000 euro. Chiar la un salar bun, de 2 000 euro pe lună, ar însemna să muncești în plus mai mult de 2 ani doar pentru a satisface acest moft. Deci 2 ani de trezit dimineața, fugit în trafic, minim 8 ore la servici în care ești la dispoziția celorlalți și nu faci ce îți dorești tu, și înapoi prin trafic acasă. Mai exact undeva la 2 000 de ore de muncă calificată pentru a avea mașină nouă în loc de una mai puțin nouă care face același lucru: te duce de la punctul A la B.
Pentru a calcula singur cât trebuie să muncești pentru fiecare moft am găsit un Excel realizat de Mad Fientist pe care îl găsești aici. În tabul FI există o coloană care, după ce ai introdus toate cheltuielile și veniturile, îți va calcula cât trebuie să muncești în ani pentru fiecare cheltuială.
În drumul spre independența financiară trebuie să reziști tentație lucrurilor inutile. Acestea te ademenesc cu promisiunea falsă a fericirii apoi te țin prizonier la serviciu. Nu poți să fii cu adevărat liber atât timp cât ești sclavul lucrurilor.
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