{"id":3913,"date":"2022-11-20T18:03:13","date_gmt":"2022-11-20T16:03:13","guid":{"rendered":"https:\/\/cusens.md\/?p=3913"},"modified":"2022-11-21T17:30:10","modified_gmt":"2022-11-21T15:30:10","slug":"cum-ne-gestionam-bugetul-pe-timp-de-criza","status":"publish","type":"post","link":"https:\/\/cusens.md\/ro\/explicative\/cum-ne-gestionam-bugetul-pe-timp-de-criza\/","title":{"rendered":"Cum ne gestion\u0103m bugetul pe timp de criz\u0103"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<!-- VideographyWP Plugin Message: Automatic video embedding prevented by plugin options. -->\n\n<p>Criza energetic\u0103 \u0219i explozia pre\u021burilor din acest an ne va da mari b\u0103t\u0103i de cap, mai ales \u00een perioada rece a anului. Trebuie s\u0103 \u00eenv\u0103\u021b\u0103m s\u0103 fim mai cump\u0103ta\u021bi \u0219i s\u0103 ne gestion\u0103m mai bine banii. U\u0219or de zis &#8211; greu de f\u0103cut, ar spune unii. Am discutat la acest subiect cu expertul \u00een politici economice Veaceslav Ioni\u021b\u0103 ca s\u0103 afl\u0103m, totu\u0219i, cum dep\u0103\u0219im mai u\u0219or efectele acestei crize.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong><strong>VEACESLAV IONI\u021a\u0102, expert \u00een politici economice, IDIS \u201eViitorul\u201d<\/strong><\/strong>: <em>Noi avem dou\u0103 tipuri de cheltuieli: cheltuielile strict necesare \u0219i cheltuielile de pl\u0103cere. Deci, eu c\u00e2nd intru la magazin, eu cump\u0103r anumite lucruri din simplu motiv c\u0103 \u00eemi satisfac anumite emo\u021bii. De multe ori, asta ne cost\u0103 scump. Procurarea unui imobil este o chestiune &#8211; 95% emo\u021bii \u0219i 5% ra\u021biune economic\u0103. De multe ori, majoritatea procur\u0103rilor, care le facem noi, nu sunt sub ra\u021bionamentul economic, dar sunt sub ra\u021bionamentul emo\u021biilor. Eu nu sunt contra emo\u021biilor, din contra, emo\u021biile sunt un lucru important \u00een via\u021ba noastr\u0103, dar s\u0103-mi lase, spre exemplu, 10% din lucruri se le iau pe baza emo\u021biilor, nu \u0219tiu, o ciocolat\u0103 sau ceva se dau pentru buget, pentru emo\u021bii, dar restul s\u0103 fie cheltuieli optime.<\/em><\/p><\/blockquote>\n\n\n\n<p>Totodat\u0103, \u00eencearc\u0103 pe c\u00e2t posibil s\u0103 nu te \u00eendatorezi. Iar dac\u0103 e\u0219ti, totu\u0219i, nevoit s-o faci, evit\u0103 companiile de microfinan\u021bare. Povara dob\u00e2nzilor va fi cople\u0219titoare.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong><strong>VEACESLAV IONI\u021a\u0102, expert \u00een politici economice, IDIS \u201eViitorul\u201d<\/strong><\/strong>: <em>Noi, \u00een prezent, avem, cet\u0103\u021benii no\u0219tri au datorii undeva vreo 10 miliarde de lei la companii de microfinan\u021bare, care sunt cele mai scumpe comparativ cu b\u0103ncile, dar tot vreo 10 miliarde de lei oamenii au \u00eemprumuturi de la rude \u0219i prieteni. Recomandarea, pe care o dau eu \u00een aceast\u0103 iarn\u0103, pe l\u00e2ng\u0103 economia care trebuie s\u0103 o fac \u0219i oamenii o vor face, \u00ee\u0219i vor optimiza costurile, \u00een m\u0103sura maxim\u0103 a posibilit\u0103\u021bilor, s\u0103 se \u00eemprumute de la rude \u0219i prieteni.<\/em><\/p><\/blockquote>\n\n\n\n<p>Sunt \u0219i persoane care au un venit lunar extrem de mic. Pentru ei, solu\u021bia ar fi s\u0103 cear\u0103 \u0219i s\u0103 primeasc\u0103 ajutor social de la stat, inclusiv pentru perioada rece a anului. Care sunt pa\u0219ii pe care trebuie s\u0103-i urmezi pentru a beneficia de ajutor, urm\u0103re\u0219te un alt episod al rubricii <a href=\"https:\/\/www.youtube.com\/watch?v=xrX5sdwh_dY\">#Explicat <\/a>la acest subiect. <\/p>\n\n\n\n<p>Pentru cei care gestioneaz\u0103 o afacere, provoc\u0103ri nu sunt mai pu\u021bine, aten\u021bioneaz\u0103 exper\u021bii. \u0218i \u00een cazul dat vorbim de cump\u0103tare \u0219i de o gestionare mai bun\u0103 a resurselor. O alt\u0103 solu\u021bie ar fi optimizarea cheltuielilor prin externalizarea serviciilor.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong><strong>VEACESLAV IONI\u021a\u0102, expert \u00een politici economice, IDIS \u201eViitorul\u201d<\/strong><\/strong>: <em>Un sfat care l-a\u0219 da la companii &#8211; la maxim posibil s\u0103 fac\u0103 outsourcing. Ce \u00eenseamn\u0103 lucrul acesta? O firm\u0103 nu are nevoie de contabil, trebuie s\u0103 \u00eencheie contract cu firme de contabilitate. Firmele micu\u021be nu au nevoie de oficii, trebuie s\u0103 \u00eencheie contracte cu firme ca s\u0103 aib\u0103 a\u0219a-numitele \u201eoficii virtuale\u201d. Eu am nevoie de trei-patru ori pe lun\u0103 de oficiu, m\u0103 duc acolo, nu are sens s\u0103-mi iau oficiu.<\/em><\/p><\/blockquote>\n\n\n\n<p>De asemenea, at\u00e2t companiile, c\u00e2t \u0219i statul trebuie s\u0103 se preocupe, din ce \u00een ce mai mult, de sursele alternative de energie.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong><strong>VEACESLAV IONI\u021a\u0102, expert \u00een politici economice, IDIS \u201eViitorul\u201d<\/strong><\/strong>: Criza energetic\u0103 ne \u00eenva\u021b\u0103 dou\u0103 lucruri: antreprenorii trebuie s\u0103 fac\u0103 investi\u021biile \u0219i statul ar trebui s\u0103 ajute prin subven\u021bii \u00een eficien\u021ba energetic\u0103.<strong> <\/strong>Noi suntem risipitori de resurse energetice \u0219i costurile vor fi enorme. \u0218i doi, s\u0103-\u0219i creeze acum, \u0219i noi deja avem companii unde \u00eei sf\u0103tuiesc, ceea ce ei de fapt fac, s\u0103 se conecteze la resurse alternative. Deci, noi deja avem companii care \u00ee\u0219i pun panouri fotovoltaice. Eu cred c\u0103 aceasta este cea mai mare provocare. Criza din acest an, \u00een opinia mea, ne va face de\u0219tep\u021bi \u0219i noi vom \u00eencepe a g\u00e2ndi de\u0219tept \u00een privin\u021ba eficien\u021bei energetice \u0219i produc\u021biei proprii de energie.<\/p><\/blockquote>\n\n\n\n<p class=\"has-small-font-size\"><em>Acest subiect a fost produs cu suportul financiar al Uniunii Europene, \u00een cadrul proiectului \u201e\u00cempreun\u0103 sus\u021binem popula\u021bia vulnerabil\u0103 afectat\u0103 de criza energetic\u0103\u201d. Con\u021binutul materialului video apar\u021bine autorilor \u0219i nu reflect\u0103 \u00een mod neap\u0103rat viziunea Uniunii Europene.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Criza energetic\u0103 \u0219i explozia pre\u021burilor din acest an ne va da mari b\u0103t\u0103i de cap, mai ales \u00een perioada rece a anului. Trebuie s\u0103 \u00eenv\u0103\u021b\u0103m s\u0103 fim mai cump\u0103ta\u021bi \u0219i s\u0103 ne gestion\u0103m mai bine banii. U\u0219or de zis &#8211; greu de f\u0103cut, ar spune unii. Am discutat la acest subiect cu expertul \u00een politici [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":3914,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[11],"tags":[],"coauthors":[130],"class_list":["post-3913","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-explicative","post_format-post-format-video"],"acf":[],"featured_image_src":"https:\/\/cusens.md\/wp-content\/uploads\/2022\/11\/cover_explicat_gestionare_buget_clean.jpg","author_info":{"display_name":"Daniela Leahu","author_link":"https:\/\/cusens.md\/ro\/author\/cusens_reporterr\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum ne gestion\u0103m bugetul pe timp de criz\u0103 - Cu Sens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cusens.md\/ro\/explicative\/cum-ne-gestionam-bugetul-pe-timp-de-criza\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cum ne gestion\u0103m bugetul pe timp de criz\u0103 - Cu Sens\" \/>\n<meta property=\"og:description\" content=\"Criza energetic\u0103 \u0219i explozia pre\u021burilor din acest an ne va da mari b\u0103t\u0103i de cap, mai ales \u00een perioada rece a anului. Trebuie s\u0103 \u00eenv\u0103\u021b\u0103m s\u0103 fim mai cump\u0103ta\u021bi \u0219i s\u0103 ne gestion\u0103m mai bine banii. U\u0219or de zis &#8211; greu de f\u0103cut, ar spune unii. 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A fost reporter\u0103 \u00een cadrul departamentului \u0219tiri la Moldova 1, unde a realizat reportaje \u0219i anchete despre nerespectarea drepturilor omului, probleme de mediu sau s\u0103n\u0103tate.\u00a0 \u00cen 2021 a fost premiat\u0103 de Asocia\u021bia Jurnali\u0219tilor de Mediu \u0219i Turism Ecologic din Moldova cu locul II pentru un subiect care arat\u0103 proasta gestionare a de\u0219eurilor electronice, iar Platforma pentru egalitate de gen i-a oferit locul III la concursul \u201eMedia \u015fi Agenda Femei, Pacea \u015fi Securitatea\u201d.\u00a0 \u00cen martie 2022 s-a al\u0103turat echipei CU SENS. Daniela Leahu: \u201eFiecare jurnalist, \u00een mod individual, \u00ee\u0219i seteaz\u0103 limitele propriei libert\u0103\u021bi. CU SENS este despre autonomie \u0219i g\u00e2ndire critic\u0103. Jurnalismul de investiga\u021bie este ceea ce de mult timp m\u0103 pasioneaz\u0103, este o form\u0103 de a \u201ecombate\u201d ilegalit\u0103\u021bile. Sunt convins\u0103 c\u0103 echipa din care fac parte acum, are aceast\u0103 voin\u021b\u0103 de a schimba lucrurile\u201d.\",\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/daniela.osipova.3\"],\"url\":\"https:\\\/\\\/cusens.md\\\/ro\\\/author\\\/cusens_reporterr\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cum ne gestion\u0103m bugetul pe timp de criz\u0103 - Cu Sens","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cusens.md\/ro\/explicative\/cum-ne-gestionam-bugetul-pe-timp-de-criza\/","og_locale":"ro_RO","og_type":"article","og_title":"Cum ne gestion\u0103m bugetul pe timp de criz\u0103 - Cu Sens","og_description":"Criza energetic\u0103 \u0219i explozia pre\u021burilor din acest an ne va da mari b\u0103t\u0103i de cap, mai ales \u00een perioada rece a anului. 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