Tu poti sa economisesti sau doar cheltuiesti foarte repede ceea ce ai castigat, iar la finalul lunii nu-ti ramane decat sa astepti ziua de salariu? Descopera profilul tau din testul urmator si afla cum sa-ti gestionezi mai eficient finantele personale.
1. Ce procent din castigurile lunare economisesti de obicei?
A. 20%
B. 30 %
C. 50 %
2. Vrei sa mergi in vacanta, dar iti lipsesc 2.000 – 2.500 lei. Solutia ta in aceasta situatie va fi:
A. Iei un credit de nevoi personale
B. Platesti suma cu cardul de credit
C. Astepti pana cand economisesti toata suma de care ai nevoie
3. Primul lucru pe care il faci dupa ziua de salariu este:
A. Iti cumperi lucrurile de care ai nevoie
B. Incepi sa iti planifici bugetul lunii
C. Pui imediat deoparte o suma in contul de economii/depozit, de frica sa nu ii cheltuiesti pe altceva
4. Cand te gandesti la datoriile pe care le ai in raport cu veniturile, care ar fi rata medie intre datorii si venituri?
A. Sub 10%
B. Intre 15 si 20%
C. Peste 20%
5. Daca scopul tau este de a economisi destul pentru o casa, un mod bun de a-ti majora economiile cu cel mai mic risc este sa:
A. Deschizi un cont de economii / depozit la termen cu rate ridicate de dobanda
B. Pastrezi mai mult cash sub saltea
C. Investesti in actiuni riscante si cu rate ridicate de castig
REZULTATUL?
Din tabelul de mai jos, aduna punctele obtinute la fiecare intrebare, in functie de raspunsul ales, si afla rezultatul:
Intrebare | Raspuns А (puncte) | Raspuns В (puncte) | Raspuns C (puncte) |
---|---|---|---|
1 | 1 | 2 | 3 |
2 | 2 | 1 | 3 |
3 | 1 | 2 | 3 |
4 | 3 | 2 | 1 |
5 | 2 | 3 | 1 |
Intre 5 si 8 puncte
Esti o persoana careia ii place sa cheltuiasca bani si o faci cu degetele rasfirate. Indiferent daca ai sau nu suma necesara pe moment, iti place sa cheltuiesti fara sa te gandesti la viitor.
Sfat: Poate e timpul sa te asezi si sa incepi o bugetare lunara pentru a-ti gestiona banii intr-un mod mai bun si pentru a-ti atinge atat scopurile pe termen scurt, cat si cele pe termen lung. Despre cum sa iti organizezi singur bugetul lunar poti citi mai multe aici!
Intre 8 si 12 puncte
Felicitari! Ai o intelegere buna a veniturilor si cheltuielilor tale si stii cum sa iti gestionezi bugetul astfel incat sa ai destui bani pentru tot ce iti doresti. Poti modera riscurile si ai mereu o a doua varianta in minte ca sa nu intri in crize financiare. Continua pe acest drum si nu vei avea niciun stres legat de bani.
Intre 13 si 15
Nu trebuie sa iti faci griji pentru viitor. Abilitatile tale de economisire sunt de invidiat si cheltuiesti foarte intelept. Chiar prea intelept! Nu iti iei niciun fel de riscuri si calculezi fiecare cent care iti intra sau iese din buzunar.
Sfat: Nu uita ca esti om si ca ai doar o viata! Risca si cheltuieste mai mult pentru tine – cumpara ceva mare si luxos fara sa te gandesti prea mult. O achiztie impulsiva, de moment, nu te va falimenta si nici nu iti va seca economiile. Pentru anumite lucruri merita sa nu te gandesti atat de mult!
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