De ce economisim?
9 March 2010
Ecomomii
De ce ar trebui sa economisim? Un motiv clasic ar fi ca sa avem suficient cand vom avea nevoie, de exemplu la pensie. Din pacate in ultimele doua decenii majoritatea celor care au facut economii au pierdut. au pierdut din valoarea economiilor pentru ca fie inflatia era mult prea mare, fie dobanzile sau randamentele obtinute erau sub inflatie si astfel ne-am dezvatat sa economisim.
Imi aduc aminte de pe vremea cand inca eram copil si bunicii mei mi-au daruit un carnet de economii (de la CEC) ca sa ma invete sa economisesc. Dobanda era atat de mica si pentru ca sa imi dau seama ce suma s-a strans in cont trebuia sa merg la CEC unde o doamna imi calcula dobanda cam intr-o jumatate de ora. Ei, nu am reusit sa invat sa economisesc atunci.
Acum ceva timp citeam ca ar fi bine sa ai economii lichide (pe care sa le poti transforma rapid in bani) echivalentul veniturilor pe care le realizezi intr-un an. Ma intrebam de ce? Cand erau atatea lucruri in care puteai sa investesti! Bursa crestea, investitiile in imobiliare aveau randamente astronomice. De ce ar fi trebuit sa renunt la aceste oportunitati si sa pun bani intr-un cont sau un depozit cu o dobanda sub inflatie?
Anul trecut am reusit sa invat pe pielea mea cum este cu economisirea. S-a intamplat ca, la fel cu cei aproximativ 800.000 de oameni din Romania, sa raman fara serviciu. Firma la care lucram a dat vina pe criza. Eu am acuzat aceeasi criza dar pana una alta aveam cheltuieli, rate de platit iar economiile lichide erau echivalentul a 2-3 salarii. Bine si atat mi-am zis, altii nu aveau nimic.
Am avut noroc, mi-a luat 2 saptamani ca sa gasesc o noua sursa de venit. Dar am invatat ca trebuie sa ai cel putin echivalentul a 12 salarii in cont sau depozit, chiar daca pierzi un pic la dobanda, pentru ca in final asta este costul linistii de a fi asigurat ca ai timp sa-ti gasesti o alta sursa de venit in cazul in care vei ramane fara serviciu.
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Despre mine, Finante personale
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