{"id":277,"date":"2024-10-31T10:24:43","date_gmt":"2024-10-31T10:24:43","guid":{"rendered":"https:\/\/valstybeje.lt\/?p=277"},"modified":"2024-10-31T10:24:43","modified_gmt":"2024-10-31T10:24:43","slug":"taupymas-kancia-ar-galimybe-lietuvos-bankas","status":"publish","type":"post","link":"https:\/\/valstybeje.lt\/?p=277","title":{"rendered":"Taupymas: kan\u010dia ar galimyb\u0117? | Lietuvos bankas"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>Komentuoja\u00a0dr. Viktorija Di\u010dpinigaitien\u0117, Lietuvos banko Finansinio ra\u0161tingumo centro vadov\u0117<\/p>\n<\/p><\/div>\n<p>Spalio 31-oji pasaulyje \u017einoma ne tik d\u0117l Helovino, bet ir kaip Pasaulin\u0117 taupymo diena. Deja, Lietuvoje ji neretai praeina nepasteb\u0117ta. Taupymas da\u017eno suprantamas kaip malonum\u0173 atsisakymas, sav\u0119s ribojimas ar netgi manoma, kad taupyti gali tik tie, kurie u\u017edirba daug. Tad koks gi d\u017eiaugsmas toki\u0105 dien\u0105 min\u0117ti?<\/p>\n<p>O d\u017eiaugsm\u0105 galima atrasti \u2013 u\u017etenka \u012f taupym\u0105 pa\u017evelgti kiek kitu kampu. Pagalvokite, kiek kart\u0173 svajon\u0117s liko ne\u012fgyvendintos d\u0117l pinig\u0173 tr\u016bkumo: galb\u016bt kirb\u0117jo mintis prad\u0117ti savo versl\u0105, \u012fgyvendinti projekt\u0105, o gal net prad\u0117ti kelion\u0119 aplink pasaul\u012f? Ir \u0161tai b\u016btent apsisprendimas imti taupyti tokiu atveju gali tapti \u201e<strong>nauj\u0173 galimybi\u0173 fondo<\/strong>\u201c \u012fk\u016brimu \u2013 skirtu mainyti trumpalaikius malonumus \u012f ilgalaiki\u0173 tiksl\u0173 pasiekim\u0105.<\/p>\n<p>Kitas \u012fkvepiantis po\u017ei\u016bris \u012f taupym\u0105 \u2013 \u201e<strong>sav\u0119s atradimo fondo<\/strong>\u201c \u012fk\u016brimas. \u012esivaizduokite, kad sutaupytas l\u0117\u0161as skirsite ne tik nenumatytiems atvejams, bet ir nauj\u0173 \u012fpro\u010di\u0173, pom\u0117gi\u0173 ar net talent\u0173 atradimui. Galb\u016bt svajojate i\u0161mokti groti gitara, prad\u0117ti tapyti arba \u012fgyti nauj\u0173 \u012fg\u016bd\u017ei\u0173, kurie leist\u0173 pasukti j\u016bs\u0173 karjer\u0105 kita linkme. Toks fondas leist\u0173 jums eksperimentuoti, nesijaudinant d\u0117l pragyvenimo.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/valstybeje.lt\/?p=277\/#Taupymas_be_streso_kaip_taupyti_maloniai\" >Taupymas be streso: kaip taupyti maloniai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/valstybeje.lt\/?p=277\/#Taupymas_ir_mintys_kaip_pakeisti_mastyma\" >Taupymas ir mintys: kaip pakeisti m\u0105stym\u0105?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Taupymas_be_streso_kaip_taupyti_maloniai\"><\/span>Taupymas be streso: kaip taupyti maloniai?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Da\u017ena taupymo kli\u016btis \u2013 jausmas, kad ka\u017ek\u0105 i\u0161 sav\u0119s atimate. Ta\u010diau realyb\u0117 tokia, kad taupymas \u2013 tai tik trumpalaiki\u0173 malonum\u0173 atsisakymas d\u0117l ilgalaiki\u0173. \u0160tai keletas id\u0117j\u0173, kurios gali pad\u0117ti neprarasti noro ir motyvacijos taupyti:<\/p>\n<ol>&#13;<\/p>\n<li><strong>\u201eDvigubos naudos\u201c strategija<\/strong>. \u012esivaizduokite, kad kiekvienas j\u016bs\u0173 i\u0161leistas euras turi atne\u0161ti dvigub\u0105 naud\u0105. Pavyzd\u017eiui, pirkdami knyg\u0105 ar mokymus, j\u016bs ne tik praleid\u017eiate laik\u0105 skaitydami ar pl\u0117sdami akirat\u012f, bet ir investuojate \u012f savo \u017einias, kurios v\u0117liau gali atne\u0161ti net ir finansin\u0119 gr\u0105\u017e\u0105. Arba galb\u016bt \u012fsigysite sveiko maisto produkt\u0173, kurie ne tik leis jums geriau jaustis, bet ir pad\u0117s i\u0161vengti gydymo i\u0161laid\u0173 ateityje. Kiekvienas sprendimas tampa s\u0105moningesnis, kai \u017einote, kok\u012f ilgalaik\u012f poveik\u012f jis tur\u0117s. Taip bus kur kas lengviau atsisakyti daug prid\u0117tinio cukraus turin\u010di\u0173 ar kit\u0173 \u017ealing\u0173 sveikatai produkt\u0173, nereikaling\u0173 smulkmen\u0173, kuriomis paprastai pasid\u017eiaugiat labai trumpai, ir suteiks valios kaupti svarbiausioms gyvenimo svajon\u0117ms.<\/li>\n<p>&#13;<\/p>\n<li><strong>Paverskite taupym\u0105 \u017eaidimu!<\/strong> Taupymas neb\u016btinai turi b\u016bti nuobodus ir monotoni\u0161kas. Pavyzd\u017eiui, i\u0161bandykite \u201e30 dien\u0173 i\u0161\u0161\u016bk\u012f\u201c: kasdien raskite b\u016bd\u0105, kaip sutaupyti ma\u017eiausiai 1 eur\u0105. Pavyzd\u017eiui, u\u017euot pirk\u0119 kavos i\u0161sine\u0161ti, pasigaminkite j\u0105 namuose, u\u017euot pirk\u0119 nauj\u0105 drabu\u017e\u012f, per\u017ei\u016br\u0117kite spint\u0105 ir \u201eatraskite\u201c seniai pamir\u0161tus derinius. U\u017esira\u0161ykite kiekvien\u0105 sutaupyt\u0105 sum\u0105 ir steb\u0117kite, kaip j\u016bs\u0173 galimybi\u0173 ar sav\u0119s atradimo fondas kasdien auga. Tai ne tik motyvuoja, bet ir sukuria smagi\u0105 rutin\u0105 ie\u0161kant nauj\u0173 taupymo b\u016bd\u0173.<\/li>\n<p>&#13;\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Taupymas_ir_mintys_kaip_pakeisti_mastyma\"><\/span>Taupymas ir mintys: kaip pakeisti m\u0105stym\u0105?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Dar vienas svarbus aspektas \u2013 m\u016bs\u0173 mintys. Regis, susidarai plan\u0105, \u012fkv\u0117pimo akimirk\u0105 atrodo, kad niekas tav\u0119s ne\u012fveiks, ta\u010diau u\u017etenka susierzinti, patirti nuovarg\u012f \u2013 ir m\u016bs\u0173 valia bei entuziazmas i\u0161nyksta kaip d\u016bmas. \u0160iuo atveju svarbiausia yra m\u016bs\u0173 po\u017ei\u016bris, valia ir disciplina. \u0160tai keletas patarim\u0173, kaip nepasiduoti tada, kai tampa sunku:<\/p>\n<ol>&#13;<\/p>\n<li><strong>Ma\u017ei laim\u0117jimai veda dideli\u0173 pergali\u0173 link<\/strong>. Viena i\u0161 prie\u017eas\u010di\u0173, kod\u0117l \u017emon\u0117ms sunku taupyti, yra ta, kad jie laukia greit\u0173 rezultat\u0173. Deja, taupymas \u2013 tai maratonas, o ne sprintas. Prad\u0117kite nuo ma\u017e\u0173 tiksl\u0173. Pavyzd\u017eiui, pirmiausia siekite sutaupyti sum\u0105, kurios pakakt\u0173 didesniam pirkiniui. Kai matysite ma\u017eus laim\u0117jimus, pavyzd\u017eiui, sutaupytus pinigus savaitgalio i\u0161vykai, tai motyvuos jus toliau taupyti vis didesniems tikslams.<\/li>\n<p>&#13;<\/p>\n<li><strong>Svajoni\u0173 ir tiksl\u0173 vizualizavimas<\/strong>. Tai dar viena priemon\u0117, kuri padeda sujungti taupym\u0105 su maloniais poj\u016b\u010diais. Susikurkite \u201etiksl\u0173 \u017eem\u0117lap\u012f\u201c, kuriame ai\u0161kiai i\u0161d\u0117stykite, k\u0105 norite pasiekti taupymo proceso metu: kokie etapai \u0161\u012f proces\u0105 sudarys, k\u0105 laikysite ma\u017eomis pergal\u0117mis, kuomet leisite sau pasid\u017eiaugti ar pasidovanoti ma\u017e\u0105 malonum\u0105. Turint tok\u012f \u017eem\u0117lap\u012f prie\u0161 akis bus lengviau ma\u017eais \u017eingsneliais jud\u0117ti didelio tikslo link.<\/li>\n<p>&#13;<\/p>\n<li><strong>\u012e taupymo proces\u0105 \u012ftraukite draugus<\/strong>. Drauge taupyti ir siekti tiksl\u0173 \u2013 lengviau. Pavyzd\u017eiui, galite su draugais sukurti taupymo klub\u0105, kur drauge taupysite atostogoms: kiekvienas gal\u0117site dalintis savo taupymo patirtimi ir i\u0161\u0161\u016bkiais, vieni kitus motyvuoti, dalintis patarimais ir net \u0161v\u0119sti bendrus finansinius pasiekimus. Tai padidina tikimyb\u0119, kad b\u016bsite i\u0161tikimi savo taupymo tikslams.<\/li>\n<p>&#13;\n<\/ol>\n<p>Neu\u017emir\u0161kite, kad taupymas \u2013 tai ne sav\u0119s var\u017eymas, o mainai: ma\u017e\u0173 d\u017eiaugsm\u0173 \u012f didelius! Paverskime proces\u0105 malonumu ir svajon\u0117s ims pildytis.<\/p>\n<\/p><\/div>\n<p><script>\n    !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n            n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;\n            n.push=n;n.loaded=!0;n.version='2.0';n.queue=();t=b.createElement(e);t.async=!0;\n            t.src=v;s=b.getElementsByTagName(e)(0);s.parentNode.insertBefore(t,s)}(window,\n        document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n    fbq('init', '449445692451263'); \/\/ Insert your pixel ID here.\n    fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.lb.lt\/lt\/naujienos\/taupymas-kancia-ar-galimybe\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Komentuoja\u00a0dr. Viktorija Di\u010dpinigaitien\u0117, Lietuvos banko Finansinio ra\u0161tingumo centro vadov\u0117 Spalio 31-oji pasaulyje \u017einoma ne tik d\u0117l Helovino, bet ir kaip Pasaulin\u0117 taupymo diena. Deja, Lietuvoje [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":278,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[574],"tags":[777,854,853,56,852],"class_list":["post-277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-bankas","tag-galimybe","tag-kancia","tag-lietuvos","tag-taupymas"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts\/277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=277"}],"version-history":[{"count":0,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts\/277\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/media\/278"}],"wp:attachment":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}