Najprostsze remedium na nadchodzący kryzys – oszczędzanie
Oszczędzanie jest najlepszą metodą na zapewnienie sobie bezpiecznej przyszłości. Mimo to niewielu z nas odkłada choćby małe kwoty na przysłowiową czarną godzinę. Jak uważają eksperci, główną przyczyną niechęci Polaków do oszczędzania jest brak wiedzy na temat podstawowych narzędzi finansowych, takich jak lokaty czy konta oszczędnościowe.
W ciągu ostatniej dekady oszczędności Polaków wzrosły ponad dwukrotnie. Chociaż coraz mniej Polaków uważa, że warto oszczędzać (z badania przeprowadzonego przez TNS Polska wynika, że aż 39% rodaków nie widzi sensu oszczędzania pieniędzy albo nie ma na ten temat zdania, to jednak w praktyce zaskórniki odkłada więcej osób niż przed rokiem. Z danych GUS-u wynika, że w 2010 roku przeciętny Polak oszczędzał około 200 PLN miesięcznie, czyli jedną szóstą dochodów. W 2011 roku kwota ta była jednak jedynie o kilkanaście złotych wyższa.
Mimo zwyżkowej tendencji wciąż odłożonych mamy ponad 16 razy mniej pieniędzy niż Niemcy, a na tle pozostałych krajów wysokość oszczędności Polaków nie wygląda imponująco. Polacy deponują w bankach ponad 500 mld PLN, czyli mniej więcej tyle, co Norwegowie. Z tą różnicą jednak, że nasz kraj liczy prawie osiem razy więcej mieszkańców. W odległej Malezji 28-milionowa populacja tego kraju ma na lokatach 117 mld euro, Polacy zaś 106 mld euro.
Gdzie zatem tkwi nasz błąd i co należy zmienić w codziennym zarządzaniu budżetem, aby móc zmniejszyć dystans dzielący nas od innych państw regionu? Żeby móc efektywnie oszczędzać, należy wyznaczyć konkretny cel, a następnie dokonać przemyślanej kategoryzacji wydatków i wybrać odpowiednie narzędzia finansowe uważa Marcin Kuźniar, prezes European Financial Group – spółki, która specjalizuje się m.in. w szerzeniu edukacji finansowo-biznesowej Gdy wiemy, po co i jak oszczędzać , łatwiej znosimy ponoszone z tego tytułu wyrzeczenia.
Na rynku istnieje wiele instrumentów finansowych, umożliwiających bezbolesne oszczędzanie. Największą popularnością cieszą się konta oszczędnościowe, na które regularnie wpłaca się pewną sumę pieniędzy. Prowadzenie kont oszczędnościowych jest bardzo popularne u naszych zachodnich sąsiadów na przykład w Holandii oraz Belgii na rachunkach tego typu jest ulokowanych ponad 80% oszczędności, w Niemczech i Francji ponad 75%.
Drugim popularnym narzędziem są lokaty bankowe. Ich wadą jest zamrażanie pieniędzy na długi czas oraz groźba utraty odsetek w przypadku wcześniejszego wycofania kapitału. Z drugiej strony jednak lokaty gwarantują wysokie, niezmienne oprocentowanie. Zdaniem ekspertów to właśnie lokaty są najbardziej intratnym rozwiązaniem w przypadku długoterminowych inwestycji. Lokaty terminowe cieszą się w Polsce wysoką popularnością, jednak z uwagi na krótki okres deponowania funduszy (często np. na cztery miesiące Polacy nie uzyskują wysokich zysków. Przed czterema laty na miesięcznych lokatach zdeponowana była co dziesiąta złotówka, teraz co czwarta. Coraz rzadziej dochodzi do lokat wieloletnich, np. zawieranych na 2 lata.
Obok kont oszczędnościowych oraz lokat istnieją inne instrumenty, takie jak fundusze inwestycyjne czy rachunki oszczędnościowo-rozliczeniowe (ROR. Polacy jednak w mniejszym stopniu niż obywatele zachodniej Europy decydują się na aktywne oszczędzanie, np. na rynku kapitałowym, głównie z uwagi na ryzyko, które jest wpisane w ten rodzaj inwestycji. Bardzo często tracą w ten sposób szansę na znaczące powiększenie swoich dotychczasowych oszczędności i zapewnienie sobie bezpiecznej przyszłości.
Oszczędności, zwłaszcza w sytuacji kryzysu ekonomicznego jaki dotyka Europę i świat, stanowią de facto jedyne zabezpieczenie i gwarancję finansowej płynności uważa Marcin Kuźniar Mimo proponowanego przez rząd wydłużenia okresu pracy (i teoretycznie wyższej średniej wysokości zarobków standard życia na emeryturze nie wzrośnie, a gwałtownie spadnie. Jest mało prawdopodobne, by wysokość naszej przyszłej emerytury wyniosła więcej niż połowę najwyższej uzyskanej miesięcznej pensji – dodaje. Gdy więc przyszłość rysuje się w nienajlepszych barwach, do oszczędzania nie trzeba chyba nikogo długo przekonywać.
/European Financial Group
Could you email me with some hints & tips on how you made this blog look this awesome , I would be appreciative.
Could you message me with a few pointers about how you made this blog look this good , Id appreciate it.
Re: Whomever made the remark that this was a good internet site really needs to have their brain inspected.
The best prominent benefit to Phen375 over other diet pills could it be offers multiple fat reduction approach.
Other metabolism accelerators are merely committed to two to
three methods which includes shedding fat,
reducing fat intake, and curbing your appetite. phen375 nevertheless offers five losing
weight approach all in addition. In accordance
with the manufacturers of Phen375, the nation’s capacity to suppress your appetite, burn calories and fats, eliminate excess glucose, and boost your metabolism.
Hey there, I just hopped over to your site via StumbleUpon. Not somthing I might generally read, but I appreciated your views none the less. Thank you for creating some thing well worth browsing.
Not surprisingly, whenever factors start making somewhat challenging, it’s actually the quantity of hope that should watch you by using them. When you retain devoted to a advantages of dropping pounds, next which can help maintain the degrees in which they should be. You can find extra in relation to Phen375 Slimming Supplements price reduction presents internet tips on how to buy phen375 reviews weight loss suppliments in States low-cost online from the connect bellow.Afterward, there’ll
certainly be a time period whenever your unique factors may appear feeble.
That frequently occurs routine and even results, which is in
the event that favourable sustain provided by friends would make the real difference.
Re: The person who made the comment that this was a great website actually needs to have their head examined.
Points Advertising for solicitors Found
Definitely, what a fantastic website and revealing posts, I surely will bookmark your blog.Best Regards!
Rattling good information can be found on website .
Just to let you know your web page appears a little bit strange on Safari on my laptop using Linux .
By means of medical investigate, research has shown
the various health and beauty attributes of Argan oil.
In fact, because of its astounding side effects, Argan oil has been called “miracle oil”.
Below are fantastic agadir argan oilmaking you look and feel
additional amazing and additionally good: Cures plus moisturizes dried, flaky
skin area Dry body can be treated efficiently by way of Argan oil problems .
specific items similar to fatty acids along with sterols.
It does not solely treat dry looking dry body, additionally, there are seeps deeply
into the skin tone, hence encouraging with retaining any skin’s water. Argan oil will also help keep epidermis soft and then well-hydrated due to their existence of triterpenoids included in that which will defends your epidermis from the outside factors.
Nevertheless i would probably advice that for anyone who is having to deal with
stools repeatedly, after that getting improvements towards the person diet regime is a way
with preserving colon well-being rather then getting a acai berry and colon cleanse product
or service. In most cases, colon-cleansing
products and solutions (forgetting colonic colonic irrigation together with enemas) happen to
be in the shape of pills in addition to powders or shakes, which usually stand for some supplement if you want to cleanse
all the colon. Yet, these solutions have one of the most
standard genuine colon cleansing products, which happens to be vegetable fiber content.
You should weigh it up in which vegetables linens could
certainly evidently often be created in the human
body just eating, however, vegetables and fruits.
So eliminate the the level of caffeine, the cause of the particular inspiring side effects, then one might not exactly perhaps search out a cup of coffee to get
a alternative wellbeing capabilities.Green Coffee Bean
Extract comes from unroasted cocoa beans. Very popularly used as being a supplement with food plus cold
drinks throughout South east asia, that concentrate features polyphenol
articles which includes increased levels of Chlorogenic Fatty acids.
Chlorogenic Fatty acids tend to be major phenolic chemical substances who are
recognized by include detox busting and antiinflammatory
hobbies. Our prime anti-oxidant process on green coffee should make it a robust the
windshield wonder to protect against free-radicals plus oxidative
ruin.
Capsiplex has become one of the best advertising diet supplements
usually. This can be a not bad achieving success
when you think about body fat burning add to market is a truly saturated
one. capsiplex side effects is usually brand new being brought
out around the Usa economy in 2010. Approximately 100,
Thousand wine bottles happen to be bought in a matter of hours within the dietary supplement
taking place , great deals. This particular fat loss pill
has additionally gained excellent reviews on tv as well as
user profile is improved just by acknowledgements by many well known megastars.
It similar that will Angelina Jolie, Mr brad
pitt and Britney Spears have been seen that has a flask involved with Capsiplex into their palm.
Amazing article, cheers, I will visit again now.
Pingback: free ebooks
Good Guidance On Points For strategic business plan trial http://www.kyu-shiki.com/wiki/index.php?Some%20Up%20to%20date%20Help%20With%20Speedy%20Recommendations%20For%20business%20strategy%20plan%20freelancers%20business%20plan%20consulting%20firms
How do you make a blog look this good!? Email me if you get the chance and share your wisdom. Id be thankful.
Have you considered adding a few social bookmarking links to these sites. At the very least for bebo.
Pingback: Maconaria
Jesus Christ theres lots of spammy comments on this webpage. Have you at any time believed about attempting to remove them or putting in a plugin?
If we’re enthusiastic about Phen375, it is essential to know how the body function, and just how Phen375 will transform our bodily functions to suppress our hunger making us loose weight by weight loss. phen375 buy has a full blog where the composition of the five enzyme boosters is outlined in whole, enabling you to understand facts about it in advance of making the transaction. Phen375 happens to be secure, and registered, in website you will realize just how experts agree it is manufactured to help you. In case you are obese, or know someone who might be fighting overweight, attempting Phen375 is the next step forward.
Do youve got a spam concern on this site; I also am a blogger, and I was questioning your scenario; we now have developed some good strategies and we are searching to trade options with other folks, be positive to shoot me an e-mail if interested.
An cool post there mate ! Thanks for it !
This is getting a scintilla more self-centred, but I much avail oneself of the Zune Marketplace. The interface is colorful, has more dash, and some serenity features like ‘Mixview’ that checking you speedily mi associated albums, songs, or other users cognate to what you’re listening to. Clicking on identical of those desire center on that piece, and another mount of “neighbors” on come into assess, allowing you to sail down exploring at approximate on be in a class enthusiastically with artists, songs, or users. Speaking of users, the Zune “Societal” is also great delectation, letting you pinch others with shared tastes and captivating friends with them. You then can handle to a playlist created based on an also fuze of what all your friends are listening to, which is also enjoyable. Those top with solitude thinks fitting be relieved to be ineluctable you can obviate the defiant from seeing your in the blood listening habits if you so choose.
Pingback: Forms
I appreciate your wp layout, where did you get a hold of it?
I’m inspired to write my own blog.
This is a amazing weblog, would you be interested in going through an interview concerning just how you developed it? If so e-mail myself!
Pingback: how to establish business credit
Even though I genuinely like this publish, I believe there was an punctuational error shut to the finish of your third paragraph.
Pingback: Hostgator vps coupon
Pingback: Hostgator coupon code
Have you considered including several social bookmarking links to these blogs. At least for bebo.
Due to this blog I saved a lot of time because I found all information I wanted.
I’m taken aback by this blog.
I like this weblog very much, Its a really nice situation to read and obtain info .
Re: Whoever made the statement that this was a good web site really needs to possess their brain inspected.
If I hadn’t come across this blog, I would not know that such good blogs exist.
You have noted very interesting points! ps decent internet site.
Essential Points For made use of microbial infection available for purchase – New Suggestions
Do you have a spam problem on this web site; I also am a blogger, and I was questioning your situation; we now have created some great strategies and were searching to swap solutions with other folks, be certain to blast me an e-mail if interested.
Very intriguing comments!
Pingback: report
Pingback: graffiti removal sydney
Another issue is really that video gaming has become one of the all-time most significant forms of fun for people of nearly every age. Kids have fun with video games, and adults do, too. Your XBox 360 is probably the favorite games systems for those who love to have a lot of activities available to them, and who like to play live with other folks all over the world. Thank you for sharing your ideas.
Pingback: Write Press Release
Pingback: Todays News Headlines
Pingback: Free Download Software