{"id":863,"date":"2022-05-19T14:40:42","date_gmt":"2022-05-19T12:40:42","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=863"},"modified":"2025-03-26T15:14:25","modified_gmt":"2025-03-26T14:14:25","slug":"5-rzeczy-ktorych-nie-nalezy-robic-podczas-recesji","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/pl\/rada-2\/5-rzeczy-ktorych-nie-nalezy-robic-podczas-recesji\/","title":{"rendered":"5 rzeczy, kt\u00f3rych nie nale\u017cy robi\u0107 w czasie recesji"},"content":{"rendered":"

Nie tra\u0107 z oczu swoich cel\u00f3w \u017cyciowych. Recesja mo\u017ce by\u0107 stresuj\u0105cym okresem. Wa\u017cne jest, aby pami\u0119ta\u0107 o celach d\u0142ugoterminowych. Co chcesz osi\u0105gn\u0105\u0107 w ci\u0105gu najbli\u017cszych 5, 10 lub 20 lat? Skoncentruj si\u0119 na swoich celach i nie pozw\u00f3l, aby kr\u00f3tkotrwa\u0142e niepowodzenia pokrzy\u017cowa\u0142y Twoje plany.<\/strong><\/p>\n\n\n\n

Wymienili\u015bmy niekt\u00f3re rodzaje ryzyka finansowego, kt\u00f3rych nale\u017cy unika\u0107 podczas pogorszenia koniunktury gospodarczej. Tutaj s\u0105 :<\/p>\n\n\n\n

1- Nie podpisuj kredytu hipotecznego o zmiennym oprocentowaniu<\/strong><\/p>\n\n\n\n

W przypadku kredytu hipotecznego o zmiennym oprocentowaniu przyznane oprocentowanie nie jest sta\u0142e. Dostosowuje si\u0119 okresowo zgodnie ze stawkami rynkowymi. W rezultacie kwota miesi\u0119cznych sp\u0142at mo\u017ce si\u0119 zmniejszy\u0107, ale tak\u017ce wzrosn\u0105\u0107.<\/p>\n\n\n\n

Jednak\u017ce zwi\u0119kszenie miesi\u0119cznych p\u0142atno\u015bci w czasie recesji mo\u017ce by\u0107 trudne do uwzgl\u0119dnienia w bud\u017cecie. W przypadku kredytu hipotecznego o zmiennym oprocentowaniu i wzrostu miesi\u0119cznych rat, je\u015bli na przyk\u0142ad b\u0119dziesz musia\u0142 stawi\u0107 czo\u0142a trudno\u015bciom finansowym lub utracie pracy, nie b\u0119dziesz ju\u017c w stanie dokonywa\u0107 p\u0142atno\u015bci.<\/p>\n\n\n\n

2- Nie r\u00f3b du\u017cych zakup\u00f3w i nie przestawaj oszcz\u0119dza\u0107<\/strong><\/p>\n\n\n\n

We\u017a pod uwag\u0119 du\u017ce zakupy przekraczaj\u0105ce miesi\u0119czn\u0105 pensj\u0119, kt\u00f3re normalnie sfinansowa\u0142by\u015b lub zap\u0142aci\u0142by\u015b kart\u0105 kredytow\u0105. W czasie recesji najlepiej unika\u0107 wi\u0119kszych zakup\u00f3w, aby nie popa\u015b\u0107 w d\u0142ugi.<\/p>\n\n\n\n

Nie przestawaj oszcz\u0119dza\u0107. Mo\u017cesz mie\u0107 ochot\u0119 zaprzesta\u0107 oszcz\u0119dzania w czasie recesji, ale by\u0142oby to b\u0142\u0119dem. Fundusz awaryjny jest niezb\u0119dny, aby przezwyci\u0119\u017cy\u0107 wszelkie trudno\u015bci finansowe, kt\u00f3re mog\u0105 si\u0119 pojawi\u0107. Spr\u00f3buj zautomatyzowa\u0107 swoje oszcz\u0119dno\u015bci, aby\u015b nie musia\u0142 o nich my\u015ble\u0107 w trudnych czasach.<\/p>\n\n\n\n

3- Nie zaci\u0105gaj \u017cadnych nowych d\u0142ug\u00f3w<\/strong><\/p>\n\n\n\n

Je\u015bli mo\u017cesz, unikaj zaci\u0105gania nowych d\u0142ug\u00f3w w okresie pogorszenia koniunktury gospodarczej. Nie zaci\u0105gaj nowego kredytu samochodowego ani po\u017cyczki osobistej. Dokonywanie miesi\u0119cznych p\u0142atno\u015bci mo\u017ce by\u0107 trudne, je\u015bli Twoje dochody spadaj\u0105 wraz z inflacj\u0105.<\/p>\n\n\n\n

Je\u015bli ju\u017c jeste\u015b zad\u0142u\u017cony, lepiej nie zad\u0142u\u017ca\u0107 si\u0119 w czasie recesji. Korzystaj z kart kredytowych oszcz\u0119dnie i tylko do niezb\u0119dnych zakup\u00f3w. A je\u015bli mo\u017cesz, spr\u00f3buj co miesi\u0105c sp\u0142aca\u0107 wi\u0119cej ni\u017c minimaln\u0105 kwot\u0119, aby zmniejszy\u0107 obci\u0105\u017cenie d\u0142ugiem.<\/p>\n\n\n\n

4- Nie rezygnuj z pracy<\/strong><\/p>\n\n\n\n

Nawet je\u015bli nie jeste\u015b zadowolony ze swojej pracy, wa\u017cne jest, aby utrzyma\u0107 si\u0119 w czasie recesji. Rzeczywi\u015bcie utrata pracy oznacza\u0142aby utrat\u0119 dochod\u00f3w, co mog\u0142oby utrudni\u0107 op\u0142acenie rachunk\u00f3w i wywi\u0105zanie si\u0119 ze zobowi\u0105za\u0144 finansowych.<\/p>\n\n\n\n

Nie podejmuj pochopnych decyzji. Recesja mo\u017ce by\u0107 stresuj\u0105cym okresem. Tym wa\u017cniejsze jest dok\u0142adne przemy\u015blenie przed podj\u0119ciem wa\u017cnych decyzji. Z perspektywy czasu b\u0119dziesz zadowolony, \u017ce po\u015bwi\u0119ci\u0142e\u015b czas na przemy\u015blenie wszystkiego.<\/p>\n\n\n\n

5- Nie inwestuj w swoje oszcz\u0119dno\u015bci emerytalne<\/strong><\/p>\n\n\n\n

Emerytura mo\u017ce wydawa\u0107 si\u0119 odleg\u0142a. Warto o tym pami\u0119ta\u0107 w czasie recesji. Pami\u0119taj, aby nadal wp\u0142aca\u0107 sk\u0142adki, aby\u015b m\u00f3g\u0142 p\u00f3\u017aniej cieszy\u0107 si\u0119 wygodn\u0105 emerytur\u0105.<\/p>\n\n\n\n

Je\u017celi posiadasz konto oszcz\u0119dno\u015bciowe, oprzyj si\u0119 pokusie dotkni\u0119cia go w czasie recesji. Rzeczywi\u015bcie nie tylko zmniejszy\u0142oby to Twoje oszcz\u0119dno\u015bci, ale mog\u0142oby r\u00f3wnie\u017c prowadzi\u0107 do podatk\u00f3w i kar.<\/p>\n\n\n\n

Nie porzucaj. Recesja mo\u017ce by\u0107 trudna, ale wa\u017cne jest, aby zachowa\u0107 pozytywne nastawienie i pami\u0119ta\u0107, \u017ce nie b\u0119dzie ona trwa\u0142a wiecznie. Wszystko zawsze ko\u0144czy si\u0119 lepiej. Po przekroczeniu tego kamienia milowego wr\u00f3cisz na w\u0142a\u015bciw\u0105 drog\u0119 do osi\u0105gni\u0119cia swoich cel\u00f3w finansowych.<\/p>\n\n\n\n

Od 1993 roku INTERNATIONAL RECOVER COMPANY\u00ae wspiera firmy w odzyskiwaniu niezap\u0142aconych rachunk\u00f3w.<\/strong><\/p>\n\n\n\n

Twoje rachunki nie s\u0105 p\u0142acone na czas i chcesz szybko poprawi\u0107 przep\u0142yw \u015brodk\u00f3w pieni\u0119\u017cnych, aby stawi\u0107 czo\u0142a okresowi recesji? Skontaktuj si\u0119 z nami!<\/p>\n\n\n\n

Masz trudno\u015bci finansowe i nie mo\u017cesz ju\u017c p\u0142aci\u0107 rachunk\u00f3w? Jak najszybciej skontaktuj si\u0119 ze swoimi dostawcami lub ich po\u015brednikami w zakresie odbioru, aby ustali\u0107 plany p\u0142atno\u015bci dostosowane do Twojej sytuacji.<\/p>","protected":false},"excerpt":{"rendered":"

Recesja mo\u017ce by\u0107 stresuj\u0105cym okresem. Wa\u017cne jest, aby pami\u0119ta\u0107 o swoich d\u0142ugoterminowych celach. Wymienili\u015bmy niekt\u00f3re ryzyka finansowe, kt\u00f3rych nale\u017cy unika\u0107 podczas spowolnienia gospodarczego.<\/p>","protected":false},"author":1,"featured_media":865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"class_list":["post-863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clients","category-debiteurs"],"yoast_head":"\n5 choses \u00e0 ne pas faire en p\u00e9riode de r\u00e9cession - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"En p\u00e9riode de r\u00e9cession, certaines erreurs fragilisent votre situation. 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