A bini shpesh n\u00eb grack\u00ebn e konsumatorit dhe b\u00ebni shum\u00eb blerje impulse? At\u00ebher\u00eb duhet t\u00eb ndiqni k\u00ebto rregulla.
\nEnergjia elektrike, sigurimet sh\u00ebndet\u00ebsore, ushqimi: tani paguani m\u00eb shum\u00eb p\u00ebr shum\u00eb gj\u00ebra. P\u00ebr t\u00eb shmangur shpenzimet e panevojshme t\u00eb parave p\u00ebr gj\u00ebra q\u00eb n\u00eb fakt nuk ju nevojiten, mund t\u2019i p\u00ebrmbaheni rregullit 30-30.<\/p>\n
K\u00ebshtu funksionon rregulli 30-30
\nPara se t\u00eb blini di\u00e7ka q\u00eb kushton m\u00eb shum\u00eb se 30 franga, duhet t\u00eb prisni 30 or\u00eb dhe t\u00eb mendoni n\u00ebse ju nevojitet v\u00ebrtet artikulli. N\u00ebse di\u00e7ka kushton m\u00eb shum\u00eb se 100 franga, duhet t\u00eb prisni edhe 30 dit\u00eb.<\/p>\n
Kjo korniz\u00eb kohore do t\u2019ju ndihmoj\u00eb t\u00eb p\u00ebrcaktoni n\u00ebse ju nevojitet v\u00ebrtet artikulli ose n\u00ebse mund t\u00eb b\u00ebni pa t\u00eb. N\u00ebse d\u00ebshira p\u00ebr t\u00eb bler\u00eb mbetet, ju keni marr\u00eb nj\u00eb vendim t\u00eb vet\u00ebdijsh\u00ebm dhe po parandaloni nj\u00eb blerje impulsive t\u00eb panevojshme dhe n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb nj\u00eb blerje t\u00eb keqe.<\/p>\n
Kufiri nuk duhet t\u00eb jet\u00eb rrept\u00ebsisht 30 franga. N\u00eb var\u00ebsi t\u00eb buxhetit tuaj, mund ta vendosni n\u00eb 50 franga, p\u00ebr shembull, si\u00e7 thot\u00eb eksperti financiar i Comparis, Michael Kuhn. \u201cKur b\u00ebhet fjal\u00eb p\u00ebr produkte t\u00eb shtrenjta dhe jo absolutisht t\u00eb nevojshme, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb mendoni n\u00ebse keni v\u00ebrtet nevoj\u00eb p\u00ebr to,\u201d thot\u00eb Kuhn.<\/p>\n
Rregulli 50-30-20 gjithashtu mund t\u00eb ndihmoj\u00eb
\nRregulla t\u00eb tjera t\u00eb blerjes gjithashtu mund t\u00eb ndihmojn\u00eb. P\u00ebr shembull, ekspertja financiare Karolina Decker rekomandon rregullin 50-30-20 n\u00eb revist\u00ebn e biznesit \u201cBusiness Insider\u201d. Ai thot\u00eb q\u00eb t\u00eb rezervoni gjysm\u00ebn e t\u00eb ardhurave tuaja p\u00ebr nevoja baz\u00eb si qiraja, sigurimi sh\u00ebndet\u00ebsor dhe ushqimi. 30 p\u00ebr qind ishte p\u00ebr shpenzimet personale si arg\u00ebtimi dhe restorantet dhe 20 p\u00ebr qind ishte p\u00ebr q\u00ebllime afatgjata si kursimi, ulja e borxhit ose investimi.<\/p>\n
Edhe me k\u00ebt\u00eb rregull, raporti rekomandohet n\u00eb var\u00ebsi t\u00eb preferencave tuaja, thot\u00eb Kuhn. \u201cN\u00ebse ju p\u00eblqen t\u00eb q\u00ebndroni n\u00eb sht\u00ebpi dhe keni pak shpenzime t\u00eb tjera, mund t\u00eb shpenzoni m\u00eb shum\u00eb p\u00ebr qira. N\u00ebse t\u00eb kesh makin\u00ebn t\u00ebnde ose t\u00eb jesh n\u00eb gjendje t\u00eb dal\u00ebsh \u00ebsht\u00eb jasht\u00ebzakonisht e r\u00ebnd\u00ebsishme p\u00ebr ty, duhet t\u00eb kursesh n\u00eb qiran\u00eb t\u00ebnde.\u201d Megjithat\u00eb, udh\u00ebzime t\u00eb tilla jan\u00eb t\u00eb dobishme p\u00ebr orientimin se si mund t\u00eb jet\u00eb.<\/p>\n
K\u00ebshtu shmangni furin\u00eb e blerjeve gjat\u00eb shitjeve dim\u00ebrore
\nKurthi i konsumatorit aktualisht \u00ebsht\u00eb s\u00ebrish i madh, sepse shit\u00ebsit me pakic\u00eb po nisin shitjet dim\u00ebrore. N\u00eb fund t\u00eb janarit ata ofrojn\u00eb zbritje ve\u00e7an\u00ebrisht t\u00eb m\u00ebdha. Por disa oferta nuk jan\u00eb aq t\u00eb lira sa pritej dhe jan\u00eb thjesht promovime false.<\/p>\n
Krahasimet e \u00e7mimeve ndihmojn\u00eb kund\u00ebr k\u00ebsaj, thot\u00eb Kuhn. Ai gjithashtu rekomandon, p\u00ebr shembull, kur b\u00ebhet fjal\u00eb p\u00ebr produktet teknologjike, t\u2019i hidhni nj\u00eb sy edhe modelit t\u00eb m\u00ebparsh\u00ebm. \u201cVe\u00e7an\u00ebrisht me telefonat inteligjent\u00eb, laptop\u00ebt ose televizor\u00ebt, \u00ebsht\u00eb e mahnitshme se sa shum\u00eb mund t\u00eb kurseni n\u00ebse nuk duhet t\u00eb jet\u00eb versioni m\u00eb i fundit.\u201d<\/p>\n
Chatbot\u00ebt e AI si ChatGPT ose Bart tani mund t\u00eb ofrojn\u00eb mund\u00ebsi t\u00eb shk\u00eblqyera krahasimi p\u00ebr produktet. \u201cThjesht duhet t\u00eb shkruani se cilin model keni par\u00eb dhe n\u00ebse \u00e7mimi apo nj\u00eb funksion i caktuar si jet\u00ebgjat\u00ebsia e bateris\u00eb \u00ebsht\u00eb ve\u00e7an\u00ebrisht i r\u00ebnd\u00ebsish\u00ebm, dhe zakonisht shihni rezultate t\u00eb mira\u201d, thot\u00eb Kuhn.<\/p>\n
Sipas ekspertit financiar Decker, strategji t\u00eb tjera si listat e blerjeve, nj\u00eb buxhet i caktuar ose zbritje dhe kupona ndihmojn\u00eb gjithashtu. A dini nj\u00eb k\u00ebshill\u00eb tjet\u00ebr kursimi? M\u00eb pas shkruani n\u00eb komentet m\u00eb posht\u00eb. Ndoshta kjo do t\u00eb ndihmoj\u00eb nj\u00eb an\u00ebtar t\u00eb komunitetit t\u00eb kursej\u00eb para n\u00eb t\u00eb ardhmen.<\/p>\n
\/20minuten<\/p>\n
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A bini shpesh n\u00eb grack\u00ebn e konsumatorit dhe b\u00ebni shum\u00eb blerje impulse? At\u00ebher\u00eb duhet t\u00eb<\/p>\n","protected":false},"author":1,"featured_media":48496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-88896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics"],"_links":{"self":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts\/88896","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=88896"}],"version-history":[{"count":0,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/posts\/88896\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=\/wp\/v2\/media\/48496"}],"wp:attachment":[{"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=88896"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=88896"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kercova.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=88896"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}