Kaip per pusmetį sutaupyti 100-200 eurų
Kai kam tai gali būti misija neįmanoma, tačiau viskas priklauso nuo kiekvienos šeimos įpročių ir išlaidavimo būdų. Šiame straipsnyje pabandysime pateikti bent 10 patarimų, kaip galima sutaupyti pinigų realiai, o ne teoriškai. Tada nebereikės imti jokios paskolos iš greitųjų kreditų įmonių, kad nutikus nenumatytam atvejui, nenukentėtų šeimos gyvenimo ritmas. Kažkas 100 eurų gali panašiai sutaupyti ir per mėnesį, ir per ketvirtį, tačiau pasirinkome ilgesnį laikotarpį ne veltui. Per tokį laiką tikrai pasitaiko nenumatytų išlaidų.
- Kuras. Vienas iš didžiausių šeimos biudžeto rijikas yra automobilis ir jam pilamas kuras. Ar tikrai pilatės pigius degalus? Gal įmanoma sutaupyti pasiieškant pigesnės degalinės? Gal vertėtų visose degalinėse turėti nuolaidų korteles ir stebėti, kur kainos mažiausios? Pilantis degalų 30-50 litrų galima su kortelėmis sutaupyti 2-3 eurus. Jei dažnai važinėjate, piltis degalus tenka 2-4 kartus per mėnesį. Nesunku paskaičiuoti, kad sutaupoma suma gali būti 6-12 eurų, o per pusmetį – 36-72 eurai. Apie ekologišką važiavimą net neverta kalbėti…
- Viešasis transportas. Esant ilgesnėms kelionėms reiktų gerai paskaičiuoti, ar ne geriau vykti autobusu ar traukiniu užuot pasirinkus nuosavą automobilį. Taip, laiko galite sugaišti ilgiau, tačiau sutaupyti irgi galima nemažai.
- Pasivaikščiojimas iki parduotuvės pėsčiomis. Kiek kilometrų yra nuo jūsų namų iki parduotuvės, kurioje galite įsigyti reikalingiausius produktus ir prekes? Jei gyvenate mieste, tai atstumas turėtų būti ne didesnis, nei 1-2 kilometrai arba dar mažiau. Tokį atstumą automobiliu įveikiate per 10 minučių, sunaudojate 0,5 l degalų į abi puses. Per mėnesį į parduotuvę einate 15-20 kartų, o tai reiškia, kad galite sutaupyti 7,5-10 eurų per mėnesį. Kaip? Vaikščiokite pėsčiomis! Tai naudinga jūsų sveikatai, nes 1-2 kilometrus įveiksite per 15-20 minučių. Patikėkite, kalorijų deginimas padeda sutaupyti kur kas daugiau, tik tai taupymas į ateitį, kai organizmas pareikalaus intensyvaus gydymo.
- Pasivažinėjimas su kaimynu. Tęsiame taupymo automobilio sąskaita patarimus. Jei turite kaimyną, kuris gali jus pavežti link darbo, kodėl gi nepasinaudojus jo paslaugomis? Atsilyginti galima nebūtinai pinigais, o kitomis paslaugomis. Paskaičiuokime. Nuvažiuoti į darbą automobiliu trunka pusvalandį, tad greičiausiai mieste sunaudosite apie 1-2 litrus degalų. Tai 1-2 eurai. Jei per mėnesį pas kaimyną įsiprašysite bent 5 kartus, jūsų sutaupyta suma degalams bus 5-10 eurų, o per pusmetį 30-60 eurų.
- Rytinis įprotis, kuris iš mūsų atima daug pinigų. 2-3 eurai už degalinėje pirktos kavos puodelį yra didelis išlaidavimas. Jo atsisakius galima sutaupyti 20-30 eurų per mėnesį be didesnio vargo. Pirmą mėnesį sutaupytą sumą skirkite gero kelioninio termoso įsigijimui. Tokiu būdu kavą pasidarysite namuose ir vykdami į darbą ja galėsite mėgautis, kad atvykę būtumėte žvalūs ir budrūs. Atsisakyti iš viso šio įpročio turbūt bus taip pat sunku, kaip ir rūkymo.
- Elektra vakarais. Siūlome prisėsti ir pastebėti, kokiais elektros prietaisais naudojatės nuo 22 iki 12 valandos nakties. Tai greičiausiai bus televizorius, kompiuteris, telefono pakrovėjai, gal net lygintuvas ar dulkių siurblys. Kartais jungiate ir elektrinį virdulį, mikrobangų krosnelę. Pastebėkite, kiek kilovatvalandžių suvartojate per tas 2 valandas. Paprastai 1-3, ne daugiau. Dabar įsivaizduokite, kad dauguma šių prietaisų nesinaudojate nuo 22 valandos, nes einate miegoti anksčiau. Sutaupote 1-2 kilovatvalandes elektros. Jei jūs turite dvigubą tarifą (dabar jis apie 13 centų, viengubas – 12 centų), sutaupyti galite 12-24 centus per dieną. Anksčiau miegoti eisite ne visada, sakykime bent 20 dienų per mėnesį. Taigi sutaupote 2,40-4,80 euro per mėnesį. Per pusmetį tai jau 14,40-28,80 euro. Ir vien dėl to, kad einate pora valandų anksčiau miegoti. Toks režimo pasikeitimas turi ir daugiau privalumų: mažiau sunaudojama vandens, neužkandžiaujama, o tai labai svarbu sveikatai, tad netiesiogiai ji gerinama.
- Išlaidos maistui. Tai labai plati tema. Vieniems taupymas maisto sąskaita reiškia nenupirktos krevetės ar vietoj natūralių ikrų pasirinkti „netikri“. Kitiems tai gali reikšti maisto patiekalus vien iš bulvių visą mėnesį, arba makaronų „dieta“. Akivaizdu, kad šioje vietoje sutaupyti tikrai galima po 20-30 eurų kas mėnesį. Kaip? Tiesiog pirkite mažiau produktų ir jų mažiau išmesite. Apgalvokite, kokius patiekalus ruošite. Darykite juos su rezervu kitai dienai.
- Atsisakykite brangių dienos pietų. Jei dirbate biure mieste, greičiausiai einate su kolegomis pavalgyti į artimiausią kavinę ar barą. Ten paprastai būna dienos pietūs už 3-5 eurus. Per mėnesį einate 20 dienų, tad jų atsisakymas padėtų sutaupyti 60-100 per mėnesį. Teoriškai, tačiau praktika yra kiek kitokia. Jums vis tiek reikės valgyti. Net jei nešitės maistą iš namų, reiškia namie teks daugiau gaminti ir produktams išleisite daugiau. Tačiau produktams išleidžiama suma padidės nesmarkiai, todėl visai realu, kad atsisakę dienos pietų ir nešdamiesi maistą iš namų sutaupysite 30-50 eurų per mėnesį. Nukentės santykiai su kolegomis? Kažką teks aukoti…
- Mėgstate išgerti skardinę kitą alaus po darbo sėdėdami prie televizoriaus? Nesijaudinkite, neatkalbinėsime visiškai jo atsisakyti ir mesti gerti. Tai gyvenimo džiaugsmas, kurį vartojant saikingai, tikrai galite tai daryti be didesnių pasekmių. Sutaupyti šioje vietoje galite tiesiog vietoj skardinių pirkdami alų plastikinėje taroje. Paskaičiuokite, kiek kainuoja jūsų mėgstamas alus skardinėse ir „bambaliuose“. Įvertinkite litro kainą. Pinta kainuoja 80 centų, reiškia 10 pintų arba 6 litrai alaus kainuos 8 eurai. Plastikinis butelis paprastai kainuoja 1 eurą, tad 6 litrus to paties alaus nusipirksite jau už 6 eurus. Sutaupote 2 eurus arba po 40 centų nuo kiekvieno litro. Per mėnesį išgeriate 10-20 litrų, tad sutaupyti galima 4-8 eurus. Nedaug, tačiau per pusmetį susidaro 24-48 eurai.
- Periodinės įmokos banke. Kas mėnesį mokate įvairius mokesčius. Už televiziją, internetą, vandenį, elektrą, administravimą ir šiukšles, šildymą ir t.t. Vidutiniškai 7-10 periodinių mokėjimų. Kiekvienas mokėjimas per elektroninę bankininkystę kainuoja mažiausiai 23 centus. Taigi išlaidos akivaizdžios – 1,61-2,30 eur per mėnesį. Per pusmetį 9,66-13,20 eur. Čia mažiausiai. Realiai pavedimų gali būti ir daugiau. Gal jau laikas paieškoti alternatyvių variantų? Mokėjimas pašte sutaupys pusę šios sumos, o per Paysera.lt – 80%. Aišku, galima bandyti ir kitą variantą – mokėti kas trys mėnesiai, tačiau rizikuojate užsidirbti delspinigių.
Jums jokie kreditai mėnesio gale nebebus reikalingas, jei pasinaudosite bent puse čia surašytų patarimų. Sėkmės taupant!
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