{"id":7286,"date":"2025-09-29T01:35:02","date_gmt":"2025-09-28T22:35:02","guid":{"rendered":"https:\/\/restartbpt.ro\/wp\/?p=7286"},"modified":"2026-04-28T22:44:49","modified_gmt":"2026-04-28T19:44:49","slug":"concurs-promotorii-educatiei-financiare-incluzive-eseu-ii","status":"publish","type":"post","link":"https:\/\/restartbpt.ro\/wp\/concurs-promotorii-educatiei-financiare-incluzive-eseu-ii\/","title":{"rendered":"Concurs \u201ePromotorii educa\u021biei financiare incluzive\u201d – Eseu II"},"content":{"rendered":"\t\t
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\u201eCe \u00eenseamn\u0103 cu adev\u0103rat s\u0103 economise\u0219ti \u2013 lec\u021bii din Averescu \u0219i Chivernisescu\u201d<\/h2>

de Gheorghe C\u00e2mpian<\/h6>

A chivernisi, sau a cheltui? Aceasta e \u00eentrebarea.<\/p>

\u00centr-o lume pres\u0103rat\u0103 cu tenta\u021bii frumos ambalate, Averescu \u0219i Chivernisescu au venit s\u0103 atrag\u0103 aten\u021bia asupra unor lucruri simple, dar prea des ignorate:<\/p>

Disciplina financiar\u0103, economiile personale \u0219i siguran\u021ba zilei de m\u00e2ine. De\u0219i cei doi protagoni\u0219ti ai serialului realizat de CAR RestartBPT au profiluri economice diferite, principala tem\u0103 pe care au \u00eencercat s\u0103 o aduc\u0103 \u00een aten\u021bia publicului a fost educa\u021bia financiar\u0103, prin exemple de produse specifice \u0219i strategii de economisire.<\/p>

\u201eCe \u00eenseamn\u0103 cu adev\u0103rat s\u0103 economise\u0219ti\u201d?<\/h5>

La aceast\u0103 \u00eentrebare legitim\u0103, Averescu \u0219i Chivernisescu au \u00eencercat s\u0103 r\u0103spund\u0103 \u00een diferite moduri:<\/p>

Depozitele bancare garantate, depunerile periodice \u00een planurile g\u00e2ndite de diverse CAR-uri disponibile pe pia\u021b\u0103, aderarea la unul sau mai multe fonduri de investi\u021bii, sunt doar c\u00e2teva op\u021biuni recomandate pentru cei care doresc s\u0103 economiseasc\u0103 o parte din venitul lor \u0219i s\u0103-\u0219i pun\u0103 banii la treab\u0103.<\/p>

De ce s\u0103 aleg un depozit sau un CAR c\u00e2nd pot \u021bine banii acas\u0103?<\/h5>

Banii \u021binu\u021bi \u201ela saltea\u201d pot da o fals\u0103 senza\u021bie de siguran\u021b\u0103. \u00cei ai, sunt acolo, \u00eei po\u021bi num\u0103ra ca \u00een \u201eMoara cu noroc\u201d de ori c\u00e2te ori sim\u021bi nevoia, dar valoarea lor scade \u00een timp din cauza infla\u021biei.<\/p>

Pre\u021burile cresc, nevoile se diversific\u0103, iar banii economisi\u021bi \u00een acest mod pot ajunge s\u0103 nu mai fie suficien\u021bi pentru nevoia la care ar trebui s\u0103 r\u0103spund\u0103.<\/p>

\u201ePu\u021bin c\u00e2te pu\u021bin, se face plin\u201d, spuneau cei doi protagoni\u0219ti. Doar c\u0103 pentru asta e nevoie de disciplin\u0103 financiar\u0103.<\/p>

O disciplin\u0103 pe care, din p\u0103cate, nu o prea \u00eenv\u0103\u021b\u0103m la \u0219coal\u0103.<\/p>

Dac\u0103, din clasele primare, ar exista \u00een fiecare \u0219coal\u0103 c\u00e2te un profesor ca Averescu sau Chivernisescu, ar fi mai u\u0219or. Am \u0219ti cu to\u021bii de la o v\u00e2rst\u0103 fraged\u0103 ce \u00eenseamn\u0103 impulsul de a cheltui necontrolat \u0219i cum \u00eel st\u0103p\u00e2nim, de ce uneori p\u0103rin\u021bii trebuie s\u0103 mai spun\u0103 \u0219i c\u00e2te un \u201enu\u201d \u0219i, cu siguran\u021b\u0103, am deveni adul\u021bi mai responsabili financiar.<\/p>

Eu personal i-am descoperit t\u00e2rziu pe cei doi \u0219i toate exemplele lor despre cum s\u0103 realizezi un plan financiar bine pus la punct, care s\u0103 lucreze pentru tine.<\/p>

Dac\u0103 a\u0219 fi economisit c\u00e2te pu\u021bin \u00eenc\u0103 de la primul salariu, a\u0219 fi putut investi ast\u0103zi \u00een proiecte pe care mi le doresc realizate, dar sunt \u00eenc\u0103 pe lista de a\u0219teptare.<\/p>

\u0218i totu\u0219i, nu e prea t\u00e2rziu. O strategie de economisire poate fi f\u0103cut\u0103 oric\u00e2nd cu men\u021biunea c\u0103, pentru rezultate vizibile, ea trebuie respectat\u0103 pe termen mediu \u0219i lung.<\/p>

Citindu-i pe cei doi, am devenit interesat s\u0103 economisesc \u0219i s\u0103 \u00eenv\u0103\u021b lucruri noi despre op\u021biunile existente.<\/p>

Am \u00eenceput cu pa\u0219i mici, \u00een\u021beleg\u00e2nd c\u0103 orice sum\u0103 economisit\u0103 conteaz\u0103 pentru viitor.<\/p>

Concluzie<\/h5>

Averescu \u0219i Chivernisescu sunt, pentru mine, dou\u0103 fe\u021be ale aceleia\u0219i monede. Prin lec\u021biile lor m-au ajutat s\u0103 am o rela\u021bie mai bun\u0103 cu banii mei, s\u0103 economisesc \u0219i s\u0103 investesc pu\u021bin c\u00e2te pu\u021bin \u00een fiecare lun\u0103.<\/p>

S\u0103 economise\u0219ti cu adev\u0103rat \u00eenseamn\u0103 s\u0103 fi prudent, consecvent \u0219i calculat \u0219i s\u0103 ai grij\u0103 de resursele tale. \u0218i da, \u201ePu\u021bin c\u00e2te pu\u021bin, se face plin\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u201eCe \u00eenseamn\u0103 cu adev\u0103rat s\u0103 economise\u0219ti \u2013 lec\u021bii din Averescu \u0219i Chivernisescu\u201d de Gheorghe C\u00e2mpian A chivernisi, sau a cheltui? Aceasta e \u00eentrebarea. \u00centr-o lume pres\u0103rat\u0103 cu tenta\u021bii frumos ambalate, Averescu \u0219i Chivernisescu au venit s\u0103 atrag\u0103 aten\u021bia asupra unor lucruri simple, dar prea des ignorate: Disciplina financiar\u0103, economiile personale \u0219i siguran\u021ba zilei de m\u00e2ine. … Continue reading “Concurs \u201ePromotorii educa\u021biei financiare incluzive\u201d – Eseu II”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","iawp_total_views":1,"footnotes":""},"categories":[63],"tags":[122,85,95,116],"class_list":["post-7286","post","type-post","status-publish","format-standard","hentry","category-financial-education","tag-concurs","tag-economisire","tag-educatie-financiara","tag-planificare-financiara"],"_links":{"self":[{"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/posts\/7286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/comments?post=7286"}],"version-history":[{"count":5,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/posts\/7286\/revisions"}],"predecessor-version":[{"id":7990,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/posts\/7286\/revisions\/7990"}],"wp:attachment":[{"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/media?parent=7286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/categories?post=7286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/restartbpt.ro\/wp\/wp-json\/wp\/v2\/tags?post=7286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}