{"id":8177,"date":"2026-02-27T18:13:58","date_gmt":"2026-02-27T16:13:58","guid":{"rendered":"https:\/\/hatarok-nelkul.com\/ro\/?p=8177"},"modified":"2026-02-27T18:14:41","modified_gmt":"2026-02-27T16:14:41","slug":"prudenta-sporita-76-dintre-romani-tin-evidenta-cheltuielilor-lor-in-mod-constant","status":"publish","type":"post","link":"https:\/\/hatarok-nelkul.com\/ro\/?p=8177","title":{"rendered":"Pruden\u021b\u0103 sporit\u0103: 76% dintre rom\u00e2ni \u0163in eviden\u0163a cheltuielilor lor \u00een mod constant"},"content":{"rendered":"<p>Din cauza incertitudinii economice, cet\u0103\u021benii rom\u00e2ni \u00ee\u0219i gestioneaz\u0103 finan\u021bele mai con\u0219tient: 76% dintre ei \u0163in eviden\u0163a chletuielilor \u00een mod constant, potrivit unui sondaj realizat \u00een comun de Raiffeisen Bank Rom\u00e2nia \u0219i Appinio, \u015fi prezentat de Agen\u0163ia Na\u0163ional\u0103 de Pres\u0103 Agerpres. Sondajul online, realizat pe un e\u0219antion de 1.000 de persoane, a fost efectuat \u00een februarie 2026.<\/p>\n<p>Conform cercet\u0103rii, 55% dintre responden\u021bi utilizeaz\u0103 aplica\u021bia mobil\u0103 a b\u0103ncii pentru a-\u0219i urm\u0103ri tranzac\u021biile \u0219i cheltuielile, \u00een timp ce 34% continu\u0103 s\u0103 \u00ee\u0219i urm\u0103reasc\u0103 cheltuielile folosind metode tradi\u021bionale, cum ar fi h\u00e2rtia; 13% se bazeaz\u0103 pe SMS-uri sau notific\u0103ri din aplica\u021bie.<\/p>\n<p>Aproximativ o treime dintre responden\u021bi profit\u0103 de reducerile \u0219i punctele de fidelitate oferite de b\u0103nci, 32% utilizeaz\u0103 pl\u0103\u021bi \u00een rate f\u0103r\u0103 dob\u00e2nd\u0103 cu cardul de credit, iar 14% utilizeaz\u0103 solu\u021bii automate de economisire.<\/p>\n<p>Cea mai mare parte din bugetul lunar al gospod\u0103riilor este reprezentat\u0103 de cheltuielile de baz\u0103: 17% din venituri sunt cheltuite pe alimente, 13% pe utilit\u0103\u021bi. Pl\u0103\u021bile ipotecare sau chiria reprezint\u0103 \u00een medie 8%, iar un procent similar este cheltuit pentru asisten\u021b\u0103 medical\u0103, precum \u0219i pentru economii \u0219i investi\u021bii. Suma economisit\u0103 lunar este mai mare fa\u0163\u0103 de suma destinat\u0103 divertismentului.<\/p>\n<p>\u00cen ceea ce prive\u0219te obiceiurile de gestionare a banilor, 31% economisesc simplu \u0219i \u00een mod firesc, 24% \u00ee\u0219i fac planuri pe termen lung, iar 21% urm\u0103resc un echilibru \u00eentre cheltuieli \u0219i economisire.<\/p>\n<p>Sursa: szabadsag.ro<\/p>\n<p>Traducerea: Sz\u00e9kely D\u00e9nes<\/p>\n<p>Foto: Kr\u00f3nika<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Din cauza incertitudinii economice, cet\u0103\u021benii rom\u00e2ni \u00ee\u0219i gestioneaz\u0103 finan\u021bele mai con\u0219tient: 76% dintre ei \u0163in eviden\u0163a chletuielilor \u00een mod constant, potrivit unui sondaj <\/p>\n","protected":false},"author":1,"featured_media":8178,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[393],"tags":[5371,5372,5370,5028,4984,36],"class_list":["post-8177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic","tag-banilor","tag-constient","tag-gestionarea","tag-mai","tag-romanii","tag-stiri-fara-frontiere"],"_links":{"self":[{"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/posts\/8177","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8177"}],"version-history":[{"count":1,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/posts\/8177\/revisions"}],"predecessor-version":[{"id":8179,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/posts\/8177\/revisions\/8179"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=\/wp\/v2\/media\/8178"}],"wp:attachment":[{"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hatarok-nelkul.com\/ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}