{"id":28,"date":"2015-01-05T01:27:46","date_gmt":"2015-01-05T01:27:46","guid":{"rendered":"http:\/\/www.2link.ca\/economy\/?p=28"},"modified":"2015-01-16T03:23:12","modified_gmt":"2015-01-16T03:23:12","slug":"acceptarea-ideii-de-buget","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2015\/01\/05\/acceptarea-ideii-de-buget\/","title":{"rendered":"Acceptarea ideii de buget"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2015\/01\/05\/acceptarea-ideii-de-buget\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2015\/01\/05\/acceptarea-ideii-de-buget\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div><p><strong>Not\u0103<\/strong>: <em>Intrasem deja \u00een miezul problemei \u201cbugetului\u201d \u0219i, dup\u0103 c\u00e2teva comentarii venite de la un prieten \u0219i de la so\u021bia mea, am realizat c\u0103 fac o gre\u0219eal\u0103 \u00eencep\u00e2nd cu informa\u021bia. Trebuie s\u0103 \u00eencep cu \u201cdezinforma\u021bia\u201d, s\u0103 demontez ideile preconcepute pe care cultura noastr\u0103 le propag\u0103 despre conceptul de \u201cbuget\u201d<\/em>.<!--more--><\/p>\n<p>\u201c<em>A \u021bine eviden\u021ba cheltuielilor \u00eenseamn\u0103 s\u0103 ai o via\u021b\u0103 plicticoas\u0103 \u0219i trist\u0103<\/em>.\u201d Nu \u0219tiu dac\u0103, atunci c\u00e2nd a scris-o, prietenul meu era serios sau m\u0103 \u201e\u00eempungea\u201d s\u0103 vad\u0103 ce iese din asta \u2013 e genul care face asemenea \u00eempuns\u0103turi \u0219i apoi se hlize\u0219te de unul singur. Oricum ar fi, aceste cuvinte exprim\u0103 o concep\u021bie care se vehiculeaz\u0103 nu numai \u00een Rom\u00e2nia dar \u0219i \u00een alte locuri, de obicei populate de popoare de sorginte latin\u0103.<\/p>\n<p>So\u021bia mea \u0219i-a amintit de un unchi care \u021binea un buget al familiei \u2013 o list\u0103 extrem de precis\u0103 de cump\u0103r\u0103turi: \u201emorcovi \u2013 2 lei, cartofi \u2013 4 lei etc.\u201d.<\/p>\n<p>Din aceste 2 m\u0103rturii reiese o imagine care, mie personal, mi se pare extrem de fals\u0103. For\u021bat\u0103. Este imaginea unui con\u021bopist german, trecut de v\u00e2rsta a IIa, niciodat\u0103 \u00eensurat \u0219i f\u0103r\u0103 copii (probabil f\u0103r\u0103 nici un fel de via\u021b\u0103 social\u0103 sau sexual\u0103). Din plictiseal\u0103 \u0219i o exagerat\u0103 zg\u00e2rcenie, se a\u0219eaz\u0103 zilnic la o mas\u0103 zg\u00e2riat\u0103, plin\u0103 de pete de cerneal\u0103 \u0219i, cu tocul (este at\u00e2t de zg\u00e2rcit \u00eenc\u00e2t nu folose\u0219te pixuri sau stilou), noteaz\u0103 fiecare b\u0103nu\u021b.<\/p>\n<p>Aparent, o persoan\u0103 nobil\u0103, boem\u0103, generoas\u0103 nu s-ar preta niciodat\u0103 la a\u0219a ceva. De\u0219i este foarte probabil s\u0103 existe pe undeva \u00een lume acest con\u021bopist, nu pot subscrie la ideea c\u0103 lipsa oric\u0103rei \u00een\u021belegeri a intr\u0103rilor \u0219i ie\u0219irilor b\u0103ne\u0219ti din familie te recomand\u0103 ca nobil sau boem sau generos. Po\u021bi fi, foarte bine zg\u00e2rcit f\u0103r\u0103 s\u0103 \u021bii eviden\u021ba banilor. Nimeni nu are o stim\u0103 deosebit\u0103 pentru un nobil sc\u0103p\u0103tat, care \u0219i-a risipit banii la cazinou \u2013 nici c\u00e2nd cite\u0219te Dostoievski, nici c\u00e2nd se g\u00e2nde\u0219te la Vlasov. Este cel mult o recomandare pentru iresponsabilitate \u0219i imaturitate de\u0219i eu sper c\u0103 e vorba de ceva mai benign. A\u0219a cum n-am g\u00e2ndi c\u0103 un director de companie care nu \u0219tie dac\u0103 fabrica pe care o conduce e \u00een profit sau \u00een pierdere e un director minunat, nu v\u0103d de ce am g\u00e2ndi c\u0103 un adult care nu \u0219tie dac\u0103 este prosper sau nu e un individ special.<\/p>\n<p>Nu cred c\u0103 bugetul trebuie s\u0103 fie o chestie\u00a0exact\u0103, s\u0103 petrecem \u00een fiecare sear\u0103 20 de minute pentru notarea cheltuielilor. Nu-s genul de persoan\u0103 at\u00e2t de organizat\u0103 \u00eenc\u00e2t s\u0103 fiu comparat cu un orologiu elve\u021bian. Ba chiar din contra. \u00cen Vest, software-uri specializate\u00a0se pot conecta automat la\u00a0conturile (debit, credit card etc.) bancare \u0219i cele de investi\u021bii \u0219i informa\u021bia este deja organizat\u0103 (software-ul recunoa\u0219te de pe list\u0103\u00a0ce \u0219i cum dup\u0103 lista v\u00e2nz\u0103torului &#8211; dac\u0103 e o cump\u0103r\u0103tur\u0103 de la Shell, cel mai probabil este c\u0103-i benzin\u0103; dac\u0103-i de la Auschan, &#8220;m\u00e2ncare&#8221; e o\u00a0aproxima\u021bie foarte bun\u0103). Deci munca implicat\u0103 e minim\u0103.\u00a0Chiar \u0219i dac\u0103 \u021bine\u021bi acest buget \u00eentr-o tabel\u0103 Excel, nimeni nu spune c\u0103 trebuie s\u0103 urm\u0103ri\u021bi fiecare b\u0103nu\u021b \u0219i nici m\u0103car fiecare lun\u0103 a anului. Efectele pot fi maxime cu doar un minim de munc\u0103, f\u0103cut din c\u00e2nd \u00een c\u00e2nd.<\/p>\n<p>Un buget v\u0103\u00a0poate ajuta s\u0103 v\u0103 atinge\u021bi \u021belurile dorite \u0219i asta, mi se pare mie, nu poate fi ceva r\u0103u. Un buget v\u0103 previne din timp, c\u00e2nd \u00eenc\u0103 se mai poate face ceva, de lunga dar dureroasa alunecare la vale a finan\u021belor. Un buget v\u0103 poate face mai prosperi sau v\u0103 poate ar\u0103ta de ce\u00a0tr\u0103i\u021bi de la o lun\u0103 la alta.<\/p>\n<p>Mul\u021bi, cuprin\u0219i de responsabilitate \u0219i importan\u021b\u0103, spun &#8220;s\u0103 nu te \u00eentinzi mai mult dec\u00e2t \u021bi-e plapuma&#8221;. De unde s\u0103 \u0219tii \u00eens\u0103 c\u00e2t s\u0103 te \u00eentinzi dac\u0103 n-ai nici o idee de c\u00e2t de mare este plapuma (crezi c\u0103 ai dar, dac\u0103 vei citi \u0219i urm\u0103toarele articole vei descoperi c\u0103\u00a0este posibil ca ideea ta s\u0103 fie inexact\u0103).<\/p>\n<p>Pu\u021bini oameni \u021bin un buget \u00een afara unei vagi aproxim\u0103ri pe care-o fac \u00een minte. Cert este o concep\u021bie gre\u0219it\u0103, comun\u0103 \u00eens\u0103, este c\u0103 acest buget nu are sens pentru c\u0103 \u201c<em>banii sunt pu\u021bini<\/em>\u201d. Este exact opusul: bugetul devine cu at\u00e2t mai critic cu c\u00e2t venitul este redus. Am auzit expresiile despre buget \u201cs\u0103 \u00eempar\u021bi s\u0103r\u0103cia\u201d \u0219i \u0219tiu c\u0103 mul\u021bi oameni nu vor s\u0103 priveasc\u0103 problema \u00een fa\u021b\u0103 pentru c\u0103 este \u00eensp\u0103im\u00e2nt\u0103toare. \u00cen acela\u0219i timp \u0219tiu c\u0103 nu po\u021bi rezolva nici un fel de problem\u0103 p\u00e2n\u0103 c\u00e2nd n-o cuno\u0219ti, n-o \u00een\u021belege \u0219i n-o accep\u021bi.<\/p>\n<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2015\/01\/05\/acceptarea-ideii-de-buget\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2015\/01\/05\/acceptarea-ideii-de-buget\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Not\u0103: Intrasem deja \u00een miezul problemei \u201cbugetului\u201d \u0219i, dup\u0103 c\u00e2teva comentarii venite de la un prieten \u0219i de la so\u021bia mea, am realizat c\u0103 fac o gre\u0219eal\u0103 \u00eencep\u00e2nd cu informa\u021bia. Trebuie s\u0103 \u00eencep cu \u201cdezinforma\u021bia\u201d, s\u0103 demontez ideile preconcepute pe care cultura noastr\u0103 le propag\u0103 despre conceptul de \u201cbuget\u201d.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"","footnotes":""},"categories":[343,1],"tags":[374,377,378,491],"class_list":["post-28","post","type-post","status-publish","format-standard","hentry","category-educatie","category-uncategorized","tag-boem","tag-buget","tag-bugetul-familiei","tag-nobil"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":1,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/28\/revisions"}],"predecessor-version":[{"id":65,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/28\/revisions\/65"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=28"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=28"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}