{"id":5855,"date":"2019-03-14T22:06:18","date_gmt":"2019-03-14T20:06:18","guid":{"rendered":"https:\/\/www.imacandi.net\/sin\/blog\/?p=5855"},"modified":"2019-03-14T22:06:19","modified_gmt":"2019-03-14T20:06:19","slug":"cheltuieli-anualizate","status":"publish","type":"post","link":"https:\/\/www.imacandi.net\/sin\/blog\/2019\/03\/14\/cheltuieli-anualizate.html","title":{"rendered":"cheltuieli anualizate"},"content":{"rendered":"\n<p>Una din chestiile pe care le-am invatat de cand am de a face in mod constant cu americanii e sa gandesc costurile la nivel anual. Sau cheltuieli cand vine vorba de persoana proprie.<\/p>\n\n\n\n<p>Treaba asta cu anualizarea iti da o alta perspectiva asupra a cat cheltuiesti de fapt si te scuteste de capcane din alea temebele de genul: X este doar 20EUR\/luna, nu e mare jmecherie, Y este doar 50EUR\/luna si tot asa.<\/p>\n\n\n\n<p>Jmecheria e cand incepi sa inmultesti cu 12 toate chestiile recurente, si atunci incepi sa-ti pui intrebari de genul: merita X 240EUR\/an? merita Y 600EUR\/an?<\/p>\n\n\n\n<p>Optimizari se pot face la cheltuieli recurente precum abonamente de telefonie mobila, internet si orice alte servicii post-platite.Chiar daca nu pare mult ca scoti 10EUR dintr-o parte si 20 din alta pe luna, la sfarsit de an se aduna ceva :)<\/p>\n\n\n\n<p>Cumva e usor mental sa minimizezi impactul financiar al diverselor cheltuieli, sa zici ca nu se simt 20EUR\/luna. &#8220;Problema&#8221; e ca 20EUR de colo, 15EUR de colo, 50EUR de colo si asa mai departe se aduna la sfarsit de an si te intrebi pe ce rahat ai dat 4000EUR intr-un an si daca a meritat. Eu imi pun intrebarea asta ca de 4000EUR stau in vacanta o luna si ceva :))<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"877\" height=\"500\" src=\"https:\/\/www.imacandi.net\/sin\/blog\/wp-content\/uploads\/2019\/03\/annualized_expenses.jpg\" alt=\"\" class=\"wp-image-5884\" srcset=\"https:\/\/www.imacandi.net\/sin\/blog\/wp-content\/uploads\/2019\/03\/annualized_expenses.jpg 877w, https:\/\/www.imacandi.net\/sin\/blog\/wp-content\/uploads\/2019\/03\/annualized_expenses-300x171.jpg 300w, https:\/\/www.imacandi.net\/sin\/blog\/wp-content\/uploads\/2019\/03\/annualized_expenses-768x438.jpg 768w\" sizes=\"auto, (max-width: 877px) 100vw, 877px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Una din chestiile pe care le-am invatat de cand am de a face in mod constant cu americanii e sa gandesc costurile la nivel anual. Sau cheltuieli cand vine vorba de persoana proprie. Treaba asta cu anualizarea iti da o alta perspectiva asupra a cat cheltuiesti de fapt si te scuteste de capcane din alea &hellip; <a href=\"https:\/\/www.imacandi.net\/sin\/blog\/2019\/03\/14\/cheltuieli-anualizate.html\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">cheltuieli anualizate<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"ngg_post_thumbnail":0,"footnotes":""},"categories":[2],"tags":[47],"class_list":["post-5855","post","type-post","status-publish","format-standard","hentry","category-diverse","tag-diverse"],"_links":{"self":[{"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/posts\/5855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/comments?post=5855"}],"version-history":[{"count":3,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/posts\/5855\/revisions"}],"predecessor-version":[{"id":5885,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/posts\/5855\/revisions\/5885"}],"wp:attachment":[{"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/media?parent=5855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/categories?post=5855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imacandi.net\/sin\/blog\/wp-json\/wp\/v2\/tags?post=5855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}