Ka nj\u00eb skenar q\u00eb p\u00ebrs\u00ebritet \u00e7do vit akademik. Nj\u00eb student ka nevoj\u00eb p\u00ebr nj\u00eb laptop t\u00eb ri, ose thjesht d\u00ebshiron nj\u00eb telefon si i shok\u00ebve. Nuk i ka parat\u00eb, por dyqani i ofron “blej tani, paguaj m\u00eb von\u00eb”, pa kredi bankare, pa shum\u00eb pyetje. N\u00ebnshkruan pa e lexuar im\u00ebt kontrat\u00ebn. Tre muaj m\u00eb von\u00eb kupton se po paguan m\u00eb shum\u00eb sesa vlente vet\u00eb produkti, dhe se nj\u00eb pjes\u00eb e konsiderueshme e xhepit t\u00eb tij mujor po shkon p\u00ebr t\u00eb mbuluar nj\u00eb blerje q\u00eb as nuk e kujton mir\u00eb pse e b\u00ebri.<\/p>\n\n\n\n
Kjo histori nuk \u00ebsht\u00eb e rrall\u00eb. Dhe nuk \u00ebsht\u00eb rast\u00ebsi.<\/p>\n\n\n\n
Pse student\u00ebt jan\u00eb “target” i leht\u00eb<\/strong><\/p>\n\n\n\n Student\u00ebt, pavar\u00ebsisht n\u00ebse jan\u00eb n\u00eb vitin e par\u00eb apo t\u00eb fundit, ndajn\u00eb disa karakteristika q\u00eb i b\u00ebjn\u00eb ve\u00e7an\u00ebrisht t\u00eb preksh\u00ebm ndaj kurtheve financiare:<\/p>\n\n\n\n Tri gracka kryesore<\/strong><\/p>\n\n\n\n Zgjidhja: nj\u00eb buxhet i thjesht\u00eb n\u00eb 3 hapa<\/strong><\/p>\n\n\n\n Nuk duhet ekonomist p\u00ebr t\u00eb b\u00ebr\u00eb buxhet studentor. Mjafton disiplin\u00eb minimale:<\/p>\n\n\n\n Nj\u00eb rregull praktik shtes\u00eb: para \u00e7do blerjeje jothelb\u00ebsore mbi nj\u00eb shum\u00eb t\u00eb caktuar, prit 48 or\u00eb. Shumica e blerjeve impulsive humbin interes pas k\u00ebsaj periudhe t\u00eb shkurt\u00ebr reflektimi.<\/p>\n\n\n\n Kujdesi financiar nuk \u00ebsht\u00eb tem\u00eb “e m\u00ebrzitshme” e rezervuar p\u00ebr ekonomist\u00ebt, \u00ebsht\u00eb aft\u00ebsi jetese, nj\u00ebsoj si t\u00eb dish t\u00eb gatuash apo t\u00eb organizosh koh\u00ebn. Studenti\/ja q\u00eb m\u00ebson t’i menaxhoj\u00eb parat\u00eb e tij\/ saj q\u00eb her\u00ebt, jo vet\u00ebm shmang stresin dhe borxhet e panevojshme, por fiton edhe koh\u00eb e energji mendore p\u00ebr at\u00eb q\u00eb e solli n\u00eb universitet, studimet.<\/p>\n\n\n\n \u00a9Z\u00ebriOnline<\/p>\n","protected":false},"excerpt":{"rendered":" Ka nj\u00eb skenar q\u00eb p\u00ebrs\u00ebritet \u00e7do vit akademik. Nj\u00eb student ka nevoj\u00eb p\u00ebr nj\u00eb laptop t\u00eb ri, ose thjesht d\u00ebshiron nj\u00eb telefon si i shok\u00ebve. Nuk i ka parat\u00eb, por dyqani i ofron “blej tani, paguaj m\u00eb von\u00eb”, pa kredi bankare, pa shum\u00eb pyetje. N\u00ebnshkruan pa e lexuar im\u00ebt kontrat\u00ebn. Tre muaj m\u00eb von\u00eb kupton […]<\/p>\n","protected":false},"author":2,"featured_media":20221,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-20220","post","type-post","status-publish","format-standard","has-post-thumbnail","category-jeta"],"yoast_head":"\n\n
Shumica nuk kan\u00eb pasur kurr\u00eb kart\u00eb krediti, kredi apo kontrat\u00eb financimi m\u00eb par\u00eb, prandaj nuk e njohin gjuh\u00ebn e im\u00ebt t\u00eb kontratave (interesi vjetor, komisionet e fshehura, penalitetet).<\/li>\n\n\n\n
Bursa, ndihm\u00eb familjare, pun\u00eb part-time, ose kombinim i t\u00eb trijave. Kjo e v\u00ebshtir\u00ebson planifikimin dhe e rrit tundimin p\u00ebr t\u00eb “huazuar nga muaji i ardhsh\u00ebm”.<\/li>\n\n\n\n
Kur shok\u00ebt kan\u00eb telefonin e ri, veshjet e fundit, apo udh\u00ebtojn\u00eb, lind nevoja p\u00ebr t\u00eb mos u ndjer\u00eb “jasht\u00eb”.<\/li>\n\n\n\n
Platformat sociale i identifikojn\u00eb t\u00eb rinjt\u00eb si audienc\u00eb ideale p\u00ebr oferta “blej tani, paguaj m\u00eb von\u00eb” dhe skema investimi me fitime t\u00eb shpejta.<\/li>\n<\/ul>\n\n\n\n\n
Dukja e thjesht\u00eb e k\u00ebtyre produkteve fsheh interes q\u00eb shpesh kalon 20-30% n\u00eb vit. Nj\u00eb blerje prej disa qindra eurosh mund t\u00eb kthehet, me kalimin e muajve, n\u00eb nj\u00eb shum\u00eb duksh\u00ebm m\u00eb t\u00eb lart\u00eb.<\/li>\n\n\n\n
Duken “t\u00eb sigurta” sepse nuk ka kontrat\u00eb apo interes, por shpesh d\u00ebmtojn\u00eb miq\u00ebsin\u00eb kur pagesa vonon. Rregulli i thjesht\u00eb: n\u00ebse nuk je gati ta humbas\u00ebsh shum\u00ebn, mos e jep dhe n\u00ebse e merr hua, vendos vet\u00eb nj\u00eb afat konkret kthimi.<\/li>\n\n\n\n
Investime “t\u00eb garantuara”, kriptomonedha me premtime fitimi t\u00eb pamundur, apo skema piramidale t\u00eb maskuara si “biznes”. N\u00ebse nj\u00eb ofert\u00eb premton fitim t\u00eb lart\u00eb pa rrezik, ajo \u00ebsht\u00eb flamur i kuq, jo mund\u00ebsi.<\/li>\n<\/ol>\n\n\n\n\n