Rahaasjades kipuvad emotsioonid ratsionaalsusest võitu saama

Allikas: www.minuraha.ee
Inimesed ei käitu alati ratsionaalselt. Seetõttu on säästmine paljudele vastumeelne tegevus, isegi siis, kui rahaliselt on võimalik veidi kõrvale panna ja mõistetakse varuraha vajalikkust.
Kommentaare: 7

Põhjus on lihtne: inimene tahab kohe rahuolu tunda ehk tarbida, mitte rahuolutunnet edasi lükata. Seda ei olda sageli nõus tegema isegi mitte tulevase kasu nimel. Näiteks üks USA-s tehtud uuring näitas, et kui inimesel on valida, kas saada kohe täna kätte 10 dollarit või 15 dollarit järgmisel nädalal, siis eelistatakse esimest varianti.

Siiski paljud inimesed säästavad ja teevad seda väga erinevatel eesmärkidel: võimalike raskete aegade üleelamiseks, konkreetse asja jaoks (reis, kodulaenu sissemakse, auto vmt), elusündmusi silmas pidades – näiteks lapsele täiskasvanuks saamiseks stardirahaks või enda pensionieaks. Loe säästuvõimaluste kohta lähemalt siit.

Mida arvavad eestlased säästmisest?

Eestis on praegu üsna levinud arusaam, et säästa pole mõtet, sest esiteks sööb inflatsioon säästud ära. Teiseks toovad tänased 35-40 aastased pikaajalise säästmise vajalikkuse vastulausena näite sellest, kuidas nende vanemad kogusid neile elukindlustuse kaudu raha, et laps saaks 18-aastaseks saades 1000 rubla. Kuna riigikord vahetus, kahanes summa paraku kümnekordselt.

Poliitiliste riskide ning majanduskriiside eest pole üksikisik kunagi kaitstud, kuid väikegi summa varuraha mustadeks päevadeks peaks igaühel siiski olemas olema. Üldiselt soovitatakse, et kõrvale pandud võiks olla 3–6 kuu kulutusteks vajaminev raha, et mõnda aega tulla toime olukorras, kus sissetulek kas oluliselt väheneb või kaob hoopis.

Paraku elavad paljud inimesed palgapäevast palgapäevani ning sääste on kas vähe või pole üldse. Poolteist aastat tagasi viis Faktum & Ariko tuhande eestimaalase seas läbi uuringu "Finantsalane kirjaoskus Eesti elanike seas". Tulemustest selgus, et kui inimene peaks kaotama oma peamise sissetulekuallika, oli 17 protsendil küsitletutest võimalik ilma lisarahata oma eluaset säilitada alla ühe kuu. 1–3 kuud suudaks ilma lisarahata eluaset säilitada 23% vastanuist.

Kolm lihtsat nippi säästmiseks

1. Selleks, et välja selgitada, kui palju sa üldse iga kuu kõrvale suudaksid panna, koosta pere-eelarve. See annab mustvalgel pildi, kui palju teenid, kui palju kulutad ja millele kulutad. Kulusid analüüsides leiad üles ka kohad, mille arvelt on võimalik säästa.

2. Maksa kõigepealt iseendale. See tähendab, et säästmiseks mõeldud summa tasub kohe pärast sissetuleku laekumist kõrvale panna, kas siis kogumiseks mõeldud eraldi kontole, hoiusele või kasvõi sukasäärde – siis sa ei saa seda igapäevaostudeks ära kulutada. Erinevate pankade hoiuseintresse saad võrrelda hoiuste võrdlustabelis.

3. Uuringute järgi tehakse rohkem kui pooled ostuotsused poes olles! Seega tee poodi minnes ostunimekiri, nii väldid emotsioonioste.

Allikas: www.minuraha.ee

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Alkeemik
2021-06-02 12:28:09
Hi everyone, my name is Abbie Moore, am from the United States . I want to share my wonderful testimony how I got back my husband back, who I sworn ever to be with until when he left me to another woman for no reason and I try to make things work for both of us yet things where getting worse and I love him so much and there is nothing I could do to get my husband back until I saw a testimony share by a woman called Lauren from Australia on the internet talking about a powerful spell caster called DR. WALE, who brought her husband back within 24hours, so I decide to give it a try and to my greatest surprise he also did it for me just as he did for Lauren and I have a lot of people complaining of fake spell caster but this one I met was a real spell caster who help me to solve my problem I have no solution to, I introduce many of my best friends that have a similar problems, and their problem were solve with the great help of DR. WALE, who help them to get back their lovers within 24 hours. I am so happy that my husband is back to me again, and the most surprising thing is that our love is very strong, every day is happiness and joy. and there is nothing like been with the man you love. I am so happy my love is back to me with the help of DR. WALE. if you have similar problem I will advice you to contact him, he is there to help you and put a smile on your face as he did to me and others you can also WhatsApp him +1(978) 406-9575 or Email him at : everlastingspellcast@gmail.com or view his website for more review https://everlastingspellcaster.website2.me/contact
Alkeemik
2021-06-02 12:28:04
Hi everyone, my name is Abbie Moore, am from the United States . I want to share my wonderful testimony how I got back my husband back, who I sworn ever to be with until when he left me to another woman for no reason and I try to make things work for both of us yet things where getting worse and I love him so much and there is nothing I could do to get my husband back until I saw a testimony share by a woman called Lauren from Australia on the internet talking about a powerful spell caster called DR. WALE, who brought her husband back within 24hours, so I decide to give it a try and to my greatest surprise he also did it for me just as he did for Lauren and I have a lot of people complaining of fake spell caster but this one I met was a real spell caster who help me to solve my problem I have no solution to, I introduce many of my best friends that have a similar problems, and their problem were solve with the great help of DR. WALE, who help them to get back their lovers within 24 hours. I am so happy that my husband is back to me again, and the most surprising thing is that our love is very strong, every day is happiness and joy. and there is nothing like been with the man you love. I am so happy my love is back to me with the help of DR. WALE. if you have similar problem I will advice you to contact him, he is there to help you and put a smile on your face as he did to me and others you can also WhatsApp him +1(978) 406-9575 or Email him at : everlastingspellcast@gmail.com or view his website for more review https://everlastingspellcaster.website2.me/contact
Alkeemik
2021-06-02 12:27:41
Hi everyone, my name is Abbie Moore, am from the United States . I want to share my wonderful testimony how I got back my husband back, who I sworn ever to be with until when he left me to another woman for no reason and I try to make things work for both of us yet things where getting worse and I love him so much and there is nothing I could do to get my husband back until I saw a testimony share by a woman called Lauren from Australia on the internet talking about a powerful spell caster called DR. WALE, who brought her husband back within 24hours, so I decide to give it a try and to my greatest surprise he also did it for me just as he did for Lauren and I have a lot of people complaining of fake spell caster but this one I met was a real spell caster who help me to solve my problem I have no solution to, I introduce many of my best friends that have a similar problems, and their problem were solve with the great help of DR. WALE, who help them to get back their lovers within 24 hours. I am so happy that my husband is back to me again, and the most surprising thing is that our love is very strong, every day is happiness and joy. and there is nothing like been with the man you love. I am so happy my love is back to me with the help of DR. WALE. if you have similar problem I will advice you to contact him, he is there to help you and put a smile on your face as he did to me and others you can also WhatsApp him +1(978) 406-9575 or Email him at : everlastingspellcast@gmail.com or view his website for more review https://everlastingspellcaster.website2.me/contact
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