{"id":5391,"date":"2022-02-15T22:11:41","date_gmt":"2022-02-15T22:11:41","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/santaupos-nenumatytoms-situacijoms-kuo-skiriasi-emergency-fund-nuo-rainy-day-fund"},"modified":"2024-11-08T15:40:35","modified_gmt":"2024-11-08T15:40:35","slug":"santaupos-nenumatytoms-situacijoms","status":"publish","type":"post","link":"https:\/\/wpvip.tgalpha.com\/lt\/santaupos-nenumatytoms-situacijoms","title":{"rendered":"Santaupos nenumatytoms situacijoms: kuo skiriasi \u201eemergency fund\u201c nuo \u201erainy day fund\u201c?"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Kalbant apie santaupas, perspausti ko gero ne\u012fmanoma \u2013&nbsp;j\u0173 tikrai niekada nebus per daug! Nuolat dalijam\u0117s \u012fvairiais taupymo patarimais, o daugiau apie pagrindin\u0119 asmenini\u0173 finans\u0173 valdymo taisykl\u0119 galite rasti <\/span><a href=\"https:\/\/wpvip.tgalpha.com\/lt\/ruta-meilutyte-renkasi-kurybine-ideja\"><span style=\"font-weight: 400\">\u0161iame m\u016bs\u0173 straipsnyje<\/span><\/a><span style=\"font-weight: 400\">.&nbsp;<\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400\">Nesvarbu, ar vadovaujat\u0117s \u0161ia, ar kitomis taisykl\u0117mis, visos jos kalba apie santaup\u0173 b\u016btinyb\u0119. Tiesa, santaupos yra keli\u0173 r\u016b\u0161i\u0173 \u2013 pirmoji kategorija yra skirta tiems atvejams, kai taupome konkre\u010diam tikslui: atostogoms, Kal\u0117doms, naujam automobiliui ir pan. Su \u0161ia da\u017enai nekyla problem\u0173, nes tai \u2013&nbsp;planuotos i\u0161laidos, kuri\u0173 da\u017eniausiai dar ir labai laukiame.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Antrajai b\u016btin\u0173j\u0173 santaup\u0173 kategorijai priklauso \u201eemergency fund\u201c \u2013 l\u0117\u0161os, skirtos nenumatytiems atvejams. Bet jei domit\u0117s asmeniniais finansais, grei\u010diausiai esate gird\u0117j\u0119 ir apie \u201erainy day fund\u201c. \u0160ie pinigai taip pat yra skirti nenumatytiems atvejams, ta\u010diau \u0161iek tiek kitokiems. Apie juos \u0161iandien ir pakalb\u0117sime.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Pasikartokime: kas yra \u201eemergency fund\u201c?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Kaip jau sak\u0117me, tai yra l\u0117\u0161os nenumatytiems atvejams. \u010cia kalbame apie pinigus, kurie leist\u0173 jums patogiai gyventi 3-6 m\u0117nesius tuo atveju, jei netektum\u0117te darbo. \u0160ie pinigai taip pat gelbsti tais atvejais, kai jus ar \u0161eimos nar\u012f u\u017epuola sunki liga, prireikia netik\u0117tai keliauti (pvz., d\u0117l artimojo silpnos sveikatos) ar pana\u0161iai.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">O kas tuomet yra \u201erainy day fund\u201c?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">\u0160io tipo santaupos skirtos da\u017eniausiai vienkartin\u0117ms i\u0161laidoms, pavyzd\u017eiui, sugedusios skalbykl\u0117s remontui, naujam kompiuteriui ar draug\u0173 vestuv\u0117ms, kurias jie netik\u0117tai sugalvojo i\u0161kelti Italijoje.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Esminiai santaup\u0173 skirtumai<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Trumpai tariant, esminis skirtumas tarp \u201eemergency\u201c ir \u201erainy day\u201c fond\u0173 yra tas, kad pirm\u0105j\u012f kaupiate tik\u0117damiesi niekada jo nepanaudoti, o antrasis jus apsaugos nuo netik\u0117t\u0173 i\u0161laid\u0173, kuri\u0173 ne\u012ftrauk\u0117te \u012f biud\u017eet\u0105, arba leis pasinaudoti smagiomis, netik\u0117tai atsiradusiomis galimyb\u0117mis.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Skiriasi, \u017einoma, ir santaup\u0173 kiekis \u2013&nbsp;jei pirmosios tur\u0117t\u0173 sudaryti toki\u0105 sum\u0105, kad j\u016bs ir j\u016bs\u0173 \u0161eima gal\u0117t\u0173 patogiai pragyventi bent tris, o, idealiu atveju, \u0161e\u0161is m\u0117nesius, antrajam u\u017eteks nuo 500 iki 2500 svar\u0173, priklausomai nuo j\u016bs\u0173 gyvenimo b\u016bdo.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Kaip sutaupyti?<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Jeigu iki \u0161iol \u201erainy day\u201c fondo netur\u0117jote, pats metas prad\u0117ti j\u012f kaupti. Geriausia, \u017einoma, atidaryti jam atskir\u0105 s\u0105skait\u0105. Ir visai nesvarbu, kad \u0161iuo metu ten galite \u012fd\u0117ti tik de\u0161imt svar\u0173&nbsp;\u2013 svarbiausia juk prad\u0117ti! Nuspr\u0119skite, koki\u0105 sum\u0105 norite jame tur\u0117ti, \u012ftraukite taupym\u0105 \u012f savo finans\u0173 plan\u0105 ir d\u017eiaukit\u0117s nauju \u201esk\u0117\u010diu\u201c, kuris apsaugos jus nuo netik\u0117tai u\u017eklupusi\u0173 finansini\u0173 audr\u0173.&nbsp;<\/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>Kalbant apie santaupas, perspausti ko gero ne\u012fmanoma \u2013&nbsp;j\u0173 tikrai niekada nebus per daug! Nuolat dalijam\u0117s \u012fvairiais taupymo patarimais, o daugiau apie pagrindin\u0119 asmenini\u0173 finans\u0173 valdymo taisykl\u0119 galite rasti \u0161iame m\u016bs\u0173 straipsnyje.&nbsp; Nesvarbu, ar vadovaujat\u0117s \u0161ia, ar kitomis taisykl\u0117mis, visos jos kalba apie santaup\u0173 b\u016btinyb\u0119. Tiesa, santaupos yra keli\u0173 r\u016b\u0161i\u0173 \u2013 pirmoji kategorija yra skirta tiems [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5392,"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-5391","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\/220104_OrganicSocial_LT22January_Blog_SavingForEmergencies_MG.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/5391","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=5391"}],"version-history":[{"count":0,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/5391\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media\/5392"}],"wp:attachment":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media?parent=5391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/categories?post=5391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/tags?post=5391"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=5391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}