{"id":5139,"date":"2021-07-30T09:13:39","date_gmt":"2021-07-30T09:13:39","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/kiek-isleisti-busto-nuomai-ar-paskolai-yra-protinga"},"modified":"2024-11-08T15:43:28","modified_gmt":"2024-11-08T15:43:28","slug":"kiek-isleisti-bustui-yra-protinga","status":"publish","type":"post","link":"https:\/\/wpvip.tgalpha.com\/lt\/kiek-isleisti-bustui-yra-protinga","title":{"rendered":"Kiek i\u0161leisti b\u016bsto nuomai ar paskolai yra protinga?"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Ie\u0161kant nauj\u0173 nam\u0173, visi susiduriame su tuo pa\u010diu klausimu: kiek galiu i\u0161leisti ir, svarbiausia, kokia suma b\u016bt\u0173 protinga? I\u0161kart atskleisime \u2013 vieno paprasto atsakymo \u010dia n\u0117ra. Ta\u010diau yra keli patarimai, kuriais vadovaujantis gal\u0117site nesunkiai apskai\u010diuoti, kokia suma yra tinkamiausia jums.<\/span><\/h4>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">30 % taisykl\u0117<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Turb\u016bt esat\u0119 gird\u0117j\u0119 apie 30 % taisykl\u0119, kurios esm\u0117 \u2013 savo b\u016bstui skirti 30 % savo pajam\u0173. Tiesa, jai jau ma\u017edaug 40 met\u0173 ir ji neb\u016btinai veikia. Pasteb\u0117ta, kad toki\u0105 savo biud\u017eeto dal\u012f b\u016bstui \u012fprastai skiria ma\u017eesnes pajamas turintys asmenys (pavyzd\u017eiui, studentai), ta\u010diau u\u017edirbant daugiau, procentas ma\u017e\u0117ja. Visgi ir studentui, jei \u012fmanoma, idealu b\u016bt\u0173 skirti kiek ma\u017eiau, ypa\u010d, jei turite kit\u0173 finansini\u0173 \u012fsipareigojim\u0173.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Taisykli\u0173 n\u0117ra<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Taigi, 30 % taisykl\u0117 neveikia. Ir, deja, vienos, veikian\u010dios visiems, n\u0117ra. Pavyzd\u017eiui, jei imate paskol\u0105 ir b\u016bst\u0105 ruo\u0161iat\u0117s \u012fsigyti, tada racionalu i\u0161leisti daugiau. Tuo tarpu nuomai reik\u0117t\u0173 pataupyti. Kita vertus, ar suma\u017e\u0117jusi nuoma nepadidins kit\u0173 i\u0161laid\u0173, pavyzd\u017eiui, transporto? \u012e \u0161iuos faktorius b\u016btina atsi\u017evelgti, norint tikslingai \u012fvertinti, kiek galite skirti b\u016bsto nuomai ar paskolai.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Kaip paskai\u010diuoti?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Ar pamenate 50\/30\/20 taisykl\u0119? Apie j\u0105<\/span><a href=\"https:\/\/wpvip.tgalpha.com\/lt\/ruta-meilutyte-renkasi-kurybine-ideja\"> <span style=\"font-weight: 400\">ra\u0161\u0117me<\/span><\/a><span style=\"font-weight: 400\"> anks\u010diau, bet leiskite trumpai priminti. \u0160ios taisykl\u0117s esm\u0117 \u2013 pus\u0119 savo pajam\u0173 skirti fiksuotoms, b\u016btinoms i\u0161laidoms (b\u016bstui, mokes\u010diams, maistui), 30 % \u2013 papildomiems, neb\u016btiniems ar netik\u0117tiems pirkiniams, 20 % \u2013 santaupoms.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">I\u0161laidos b\u016bstui, akivaizdu, patenka \u012f pirm\u0105j\u0105 kategorij\u0105. Kad su\u017einotum\u0117te, kiek \u0161ios sumos galite skirti b\u016bstui, atid\u017eiai \u012fvertinkite bent keli\u0173 m\u0117nesi\u0173 i\u0161laidas ir i\u0161siai\u0161kinkite, kiek tiksliai skiriate b\u016btinoms prek\u0117ms \u2013 nuo telefono s\u0105skait\u0173 iki maisto preki\u0173 ir i\u0161laid\u0173 transportui. Likusi suma (nuo pus\u0117s j\u016bs\u0173 pajam\u0173) ir bus ta, kuri\u0105 galite i\u0161leisti b\u016bsto nuomai.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">\u017dinoma, jei norisi daugiau prabangos, galima mok\u0117ti daugiau, \u201epriemok\u0105\u201c priskaitant prie papildom\u0173 i\u0161laid\u0173, sudaran\u010di\u0173 30 % j\u016bs\u0173 pajam\u0173. Ta\u010diau \u012fvertinkite, kad tokiu atveju gali tekti suma\u017einti vakarieni\u0173 restorane ar nauj\u0173 pirkini\u0173 skai\u010di\u0173. Jei tai galite padaryti be problem\u0173, tuomet dr\u0105siai galite svarstyti ir didesn\u0119 b\u016bsto kain\u0105.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Nepamir\u0161kite, kad, renkantis b\u016bst\u0105, svarbiausia yra realisti\u0161kai \u012fvertinti savo pajamas bei i\u0161laidas. Pastar\u0105sias sekti rekomenduojame visada, ta\u010diau jei kur\u012f laik\u0105 neved\u0117te detalaus i\u0161laid\u0173 s\u0105ra\u0161o, t\u0105 tikrai pravartu padaryti prie\u0161 persikraustant. Kaip ir visose finans\u0173 srityse, vieno ir visiems tinkan\u010dio kelio n\u0117ra, tod\u0117l pasirinkite tok\u012f, kuris tinka jums ir j\u016bs\u0173 \u0161eimai.<\/span><\/p>\n\n\n\n<p>__________________________<\/p>\n\n\n\n<p><em>Si\u0173skite meil\u0119 ir pinigus su TransferGo. M\u0117gaukit\u0117s greitais, saugiais ir paprastais pervedimais. Pakvieskite savo draugus prisijungti prie TransferGo ir u\u017esidirbkite \u00a320.&nbsp;<a href=\"https:\/\/wpvip.tgalpha.com\/lt\/\">Prisijunkite<\/a>&nbsp;jau \u0161iandien! ?<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ie\u0161kant nauj\u0173 nam\u0173, visi susiduriame su tuo pa\u010diu klausimu: kiek galiu i\u0161leisti ir, svarbiausia, kokia suma b\u016bt\u0173 protinga? I\u0161kart atskleisime \u2013 vieno paprasto atsakymo \u010dia n\u0117ra. Ta\u010diau yra keli patarimai, kuriais vadovaujantis gal\u0117site nesunkiai apskai\u010diuoti, kokia suma yra tinkamiausia jums. 30 % taisykl\u0117 Turb\u016bt esat\u0119 gird\u0117j\u0119 apie 30 % taisykl\u0119, kurios esm\u0117 \u2013 savo b\u016bstui [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5140,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1454,1457],"tags":[],"business_case_studies_tags":[],"class_list":["post-5139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asmeniniai-finansai","category-asmeniniu-finansu-patarimai"],"jetpack_featured_media_url":"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/210719_Blog_07.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/5139","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/comments?post=5139"}],"version-history":[{"count":0,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/5139\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media\/5140"}],"wp:attachment":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media?parent=5139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/categories?post=5139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/tags?post=5139"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=5139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}