{"id":222304,"date":"2026-10-12T12:03:19","date_gmt":"2026-10-12T09:03:19","guid":{"rendered":"https:\/\/buletin.de\/bucuresti\/?p=222304"},"modified":"2026-10-12T12:03:58","modified_gmt":"2026-10-12T09:03:58","slug":"doua-povesti-despre-cum-sa-ti-imbunatatesti-relatia-cu-banii-cand-cei-mai-multi-dintre-romani-nu-au-un-plan-financiar-pentru-urmatorul-an-potrivit-unui-studiu-p","status":"publish","type":"post","link":"https:\/\/buletin.de\/bucuresti\/doua-povesti-despre-cum-sa-ti-imbunatatesti-relatia-cu-banii-cand-cei-mai-multi-dintre-romani-nu-au-un-plan-financiar-pentru-urmatorul-an-potrivit-unui-studiu-p\/","title":{"rendered":"Dou\u0103 pove\u0219ti despre cum s\u0103-\u021bi \u00eembun\u0103t\u0103\u021be\u0219ti rela\u021bia cu banii, c\u00e2nd cei mai mul\u021bi dintre rom\u00e2ni nu au un plan financiar pentru urm\u0103torul an, potrivit unui studiu (P)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>S\u0103 ajungi la un echilibru \u00een rela\u021bia cu banii nu este un obiectiv u\u0219or de atins, dar vestea bun\u0103 este c\u0103 nu trebuie intri \u00een acest proces pe cont propriu. <\/strong>Ionelia Albu \u0219i Ana Sichitiu au \u00een\u021beles asta \u0219i au ob\u021binut mai mult\u0103 claritate \u00een gestionarea banilor dup\u0103 ce au trecut prin <strong>Banometru<\/strong>, programul de educa\u021bie financiar\u0103 dezvoltat de <a href=\"https:\/\/aevr.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Asocia\u021bia Educa\u021bie pentru Via\u021ba Real\u0103 (AEVR)<\/strong>,<\/a> \u00een parteneriat cu <strong>ING Bank Rom\u00e2nia.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lansat \u00een 2016, Banometru a fost creat pentru a veni \u00een sprijinul persoanelor cu dificult\u0103\u021bi legate de administrarea banilor, astfel \u00eenc\u00e2t acestea s\u0103-\u0219i \u00eembun\u0103t\u0103\u021beasc\u0103 s\u0103n\u0103tatea financiar\u0103. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Totul a pornit de la ideea de a r\u0103spunde nevoii oamenilor de a g\u0103si un echilibru \u00een rela\u021bia cu propriile resurse financiare. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fiecare caz este abordat prin sesiuni de coaching individual, combinate cu no\u021biuni de educa\u021bie financiar\u0103, instrumente practice \u0219i suport comunitar, pentru ca participan\u021bii s\u0103-\u0219i construiasc\u0103 un stil de via\u021b\u0103 conform resurselor pe care le au, \u00een mod mai con\u0219tient \u0219i cu mai pu\u021bin\u0103 presiune.\u00a0<\/p>\n\n\n\n<h2 id=\"h-sim\u021beam-ca-imi-lipse\u0219te-ceva-important-un-plan\" class=\"wp-block-heading\">\u201eSim\u021beam c\u0103 \u00eemi lipse\u0219te ceva important: un plan\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ionelia a intrat \u00een programul Banometru \u00eentr-un context \u00een care banii erau pentru ea <em>\u201eo surs\u0103 de stres \u0219i nesiguran\u021b\u0103\u201d<\/em>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eDe cele mai multe ori eram la limit\u0103 sau chiar peste limit\u0103. Banii se duceau pe lucruri necesare \u2014 cas\u0103, m\u00e2ncare, utilit\u0103\u021bi, credit, familie, vacan\u021be \u2014 dar \u0219i pe ceva ce a fost mereu important pentru mine: s\u0103 investesc \u00een dezvoltarea mea, prin cursuri \u0219i programe de \u00eenv\u0103\u021bare.\u00a0M\u0103 descurcam de la o lun\u0103 la alta, dar sim\u021beam c\u0103 \u00eemi lipse\u0219te ceva important: un plan. Aveam nevoie s\u0103 v\u0103d mai clar unde sunt, ce pot schimba \u0219i, mai ales, \u00eencotro vreau s\u0103 merg\u201d, spune Ionelia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eA\u0219a am ajuns la Banometru. Am v\u0103zut pe Facebook o provocare despre cre\u0219terea veniturilor \u0219i m-am \u00eenscris. \u00cen timpul provoc\u0103rii am reu\u0219it s\u0103 pun deoparte 400 de lei, iar la final am ales s\u0103 merg \u0219i \u00eentr-o sesiune de coaching financiar.\u00a0Pentru mine, \u00eens\u0103, cea mai important\u0103 realizare nu au fost cei 400 de lei. A fost momentul \u00een care am \u00een\u021beles c\u0103 m\u0103 gr\u0103beam s\u0103 m\u0103 g\u00e2ndesc la investi\u021bii f\u0103r\u0103 s\u0103 am \u00eenc\u0103 funda\u021bia de care aveam nevoie. Mai \u00eent\u00e2i era important s\u0103 \u00eemi construiesc fondul de urgen\u021b\u0103 \u0219i fondul de siguran\u021b\u0103\u201d, adaug\u0103 ea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e2ndul ei, Ana poveste\u0219te c\u0103 sim\u021bea c\u0103, din punct de vedere financiar, \u201elucrurile sunt prea complicate pentru a fi puse \u00een ordine\u201d. \u201ePreferam s\u0103 reac\u021bionez pe moment la probleme, pe m\u0103sur\u0103 ce ap\u0103reau. Tr\u0103iam mult timp cu senza\u021bia c\u0103 am tot timpul motoarele turate, f\u0103r\u0103 o strategie real\u0103\u201d, precizeaz\u0103 ea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O strategie real\u0103 lipse\u0219te \u0219i \u00een cazul a 6 din 10 rom\u00e2ni, din popula\u021bia general\u0103, care nu au un plan financiar pentru urm\u0103torul an, potrivit rezultatelor <a href=\"https:\/\/banometru.ro\/10-ani-raport-impact\" target=\"_blank\" rel=\"noreferrer noopener\">studiului \u201eBanometru &#8211; 10 ani. \u00cen papucii t\u0103i financiari\u201d<\/a>, realizat de speciali\u0219ti din mediul academic \u0219i de cercetare. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studiul arat\u0103 \u00eens\u0103 \u0219i c\u0103 dac\u0103 sunt sus\u021binu\u021bi, oamenii pot face schimb\u0103ri importante \u00een comportamentul lor financiar: 67% dintre fo\u0219tii participan\u021bi la Banometru declar\u0103 c\u0103 au un plan financiar pentru urm\u0103toarele 12 luni, \u00een timp ce la intrarea \u00een program propor\u021bia acestora era de doar 36%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cercetarea indic\u0103 \u0219i faptul c\u0103 doar 42% dintre responden\u021bii din r\u00e2ndul popula\u021biei generale economisesc pentru obiective pe termen lung, comparativ cu 66% dintre participan\u021bii Banometru, \u0219i tot 42% la intrarea \u00een program.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen plus, doar 56% dintre rom\u00e2ni declar\u0103 c\u0103 mai r\u0103m\u00e2n cu bani la sf\u00e2r\u0219it de lun\u0103, un procent care urc\u0103 la 62% \u00een r\u00e2ndul participan\u021bilor Banometru, fa\u021b\u0103 de 47% la momentul intr\u0103rii \u00een program.<\/p>\n\n\n\n<h2 id=\"h-am-inceput-sa-privesc-banii-cu-mai-multa-claritate\" class=\"wp-block-heading\">\u201eAm \u00eenceput s\u0103 privesc banii cu mai mult\u0103 claritate\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Despre o schimbare \u00een rela\u021bia cu banii dup\u0103 programul Banometru vorbe\u0219te \u0219i Ionelia.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u201e<\/em><\/strong>Nu am ajuns \u00eenc\u0103 la economiile pe care mi le doresc, mai am pa\u0219i de f\u0103cut. Dar rela\u021bia mea cu banii s-a schimbat. Nu mai privesc situa\u021bia mea financiar\u0103 cu aceea\u0219i vinov\u0103\u021bie. Am \u00eenceput s\u0103 privesc banii cu mai mult\u0103 claritate \u0219i s\u0103 \u00een\u021beleg c\u00e2t de important\u0103 este planificarea.\u00a0Nu am toate r\u0103spunsurile \u0219i nici toate cifrele pe care mi le doresc \u00eenc\u0103. Dar am ceva ce \u00eenainte \u00eemi lipsea: direc\u021bia.\u00a0Ast\u0103zi pot s\u0103 spun: \u0219tiu unde sunt, \u0219tiu ce am de construit \u0219i \u0219tiu \u00eencotro m\u0103 \u00eendrept\u201d, sus\u021bine ea.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0218i Ana afirm\u0103 c\u0103 acum \u0219tie foarte bine unde se afl\u0103 din punct de vedere financiar.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eDup\u0103 un an \u0219i jum\u0103tate \u00een program, am descoperit cum claritatea aduce mai mult\u0103 lini\u0219te dec\u00e2t evitarea. A sc\u0103zut anxietatea legat\u0103 de bani, iar faptul c\u0103 \u0219tiu exact unde m\u0103 aflu \u00eemi ofer\u0103 control \u0219i optimism.\u00a0Concret, am un buget anual cu anticiparea perioadelor cu cheltuieli mai mari. Am \u00eenceput procesul de diversificare a surselor de venit, ceea ce mi-a deschis perspective noi. \u00cen plus, am un plan realist de stingere a datoriilor, pe care \u00eel pot urma f\u0103r\u0103 s\u0103 sacrific momentele frumoase ale vie\u021bii. Toate aceste schimb\u0103ri sunt construite treptat, dar au adus o diferen\u021b\u0103 constant\u0103 \u00een bine\u201d, declar\u0103 ea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dup\u0103 experien\u021ba Banometru, Ana consider\u0103 c\u0103 cel mai valoros sfat pe care l-ar putea da cuiva \u00een situa\u021bia ei \u201ede dinainte\u201d este s\u0103 nu am\u00e2ne momentul adev\u0103rului.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eE greu doar la \u00eenceput, apoi claritatea devine aliatul t\u0103u. Privind \u00eenapoi, \u00eemi dau seama c\u0103 transform\u0103rile mici au fost cele mai u\u0219or de implementat \u0219i au creat o schimbare real\u0103, pe termen lung\u201d, concluzioneaz\u0103 Ana.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00cen zece ani de activitate, Banometru a furnizat 15.569 de ore de coaching financiar pentru aproximativ 350.000 de participan\u021bi. Prin implicarea ING, programul este unul gratuit pentru fiecare participant.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Studiul \u201eBanometru &#8211; 10 ani. \u00cen papucii t\u0103i financiari\u201d a fost realizat de c\u0103tre Claudia Petrescu, cercet\u0103tor \u0219tiin\u021bific \u00een cadrul Institutului de Cercetare a Calit\u0103\u021bii Vie\u021bii al Academiei Rom\u00e2ne, \u0219i Raluca \u0218andru, cadru didactic la Facultatea de Business a Universit\u0103\u021bii Babe\u0219-Bolyai, cu contribu\u021bia Silviei Mi\u0219u, Director Dezvoltare \u0219i Inovare AEVR. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cercetarea utilizeaz\u0103 indicatori \u0219i repere metodologice OECD\/INFE \u0219i compar\u0103 trei grupuri: persoane care au beneficiat de programul Banometru la minim 12 luni de la participare, persoane aflate la intrarea \u00een program, \u00eenainte de accesarea serviciilor, \u0219i un grup de compara\u021bie din popula\u021bia general\u0103, reprezentativ pe gen, grupe de v\u00e2rst\u0103 \u0219i regiuni, format din persoane care nu au participat la programe de educa\u021bie financiar\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S\u0103 ajungi la un echilibru \u00een rela\u021bia cu banii nu este un obiectiv u\u0219or de atins, dar vestea bun\u0103 este c\u0103 nu trebuie intri \u00een acest proces pe cont propriu. Ionelia Albu \u0219i Ana Sichitiu au \u00een\u021beles asta \u0219i au ob\u021binut mai mult\u0103 claritate \u00een gestionarea banilor dup\u0103 ce au trecut prin Banometru, programul de [&hellip;]<\/p>\n","protected":false},"author":60,"featured_media":222307,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"ngg_post_thumbnail":0,"footnotes":"","_ppma_block_editor_authors":""},"categories":[6994,24496,62],"tags":[31495,25345,31494],"ppma_author":[22583],"class_list":["post-222304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri-2","category-economic","category-stiri","tag-banometru","tag-ing","tag-relatia-cu-banii"],"acf":[],"a3_pvc":{"activated":false,"total_views":0,"today_views":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.6) - 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A fost redactor-\u0219ef al PRESShub \u00eentre 2022 \u0219i iunie 2024. Anterior, a fost redactor-\u0219ef al Newsweek Rom\u00e2nia, din 2018 p\u00e2n\u0103 \u00een 2021, \u0219i al cotidianului Rom\u00e2nia liber\u0103, \u00eentre 2015 \u0219i 2017. Este absolvent de Jurnalism, \u00een cadrul Universit\u0103\u021bii \u201eAl.I.Cuza\u201d din Ia\u0219i, \u0219i a urmat un master \u00een Managementul institu\u021biilor mass-media (f\u0103r\u0103 diserta\u021bie) la Facultatea de Jurnalism \u0219i \u0218tiin\u021bele Comunic\u0103rii din cadrul Universit\u0103\u021bii din Bucure\u0219ti. \u0218i-a \u00eenceput cariera la Opinia studen\u021beasc\u0103, cunoscuta \u0219coal\u0103 de pres\u0103 din Ia\u0219i. A lucrat \u00een presa local\u0103, apoi a devenit corespondent pentru Ia\u0219i al cotidianului Evenimentul Zilei. Din 2004, a coordonat pentru \u0219ase luni sec\u021bia de coresponden\u021bi a Evenimentului Zilei. A mai lucrat la s\u0103pt\u0103m\u00e2nalul Prezent \u0219i a colaborat cu revistele Dilema Veche \u0219i Suplimentul de Cultur\u0103. Este co-autor \u00een volumele \u201eMass-media \u0219i democra\u021bia \u00een Rom\u00e2nia post-comunist\u0103\u201d (ed. a II-a), Ed. Institutul European, Ia\u0219i, 2013, \u0219i \u201eCOVID - 19. Dimensiuni ale gestionarii pandemiei\u201d, Editura Junimea, Ia\u0219i, 2020.","url":"https:\/\/buletin.de\/bucuresti\/author\/razvan-chiruta\/"}]}},"authors":[{"term_id":22583,"user_id":1,"is_guest":0,"slug":"adminbuletin","display_name":"Redac\u021bia Buletin de Bucure\u0219ti","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/18c5342381ed1a08620e6280424e3e5efc958618f5d67c522c9e44c1bc6f9226?s=96&d=monsterid&r=g","author_category":"","first_name":"Redac\u021bia Buletin de Bucure\u0219ti","last_name":"","user_url":"","job_title":"","description":"Buletin de Bucure\u0219ti exist\u0103 din vara anului 2019."}],"_links":{"self":[{"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/posts\/222304","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/comments?post=222304"}],"version-history":[{"count":2,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/posts\/222304\/revisions"}],"predecessor-version":[{"id":222308,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/posts\/222304\/revisions\/222308"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/media\/222307"}],"wp:attachment":[{"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/media?parent=222304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/categories?post=222304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/tags?post=222304"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/buletin.de\/bucuresti\/wp-json\/wp\/v2\/ppma_author?post=222304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}