{"id":22365,"date":"2025-02-19T15:39:29","date_gmt":"2025-02-19T13:39:29","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/financial-literacy\/"},"modified":"2025-10-03T04:21:31","modified_gmt":"2025-10-03T02:21:31","slug":"finansu-lasitprasme","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/finansu-lasitprasme\/","title":{"rendered":"Finan\u0161u prat\u012bba"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22365\" class=\"elementor elementor-22365 elementor-15501\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finan\u0161u prat\u012bba<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1083\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg\" class=\"attachment-full size-full wp-image-21633\" alt=\"Finan\u0161u prat\u012bba\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg 1600w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-300x203.jpg 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-1024x693.jpg 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-768x520.jpg 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-1536x1040.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Finan\u0161u prat\u012bba<\/h1><p>Kad Arno un vi\u0146a t\u0113vs ierad\u0101s skol\u0101, nodarb\u012bbas jau bija s\u0101ku\u0161\u0101s.<\/p><p>\u0160o vienu teikumu no Oskara Lutsa darba \u201ePavasaris\u201d dro\u0161i vien visi skol\u0101 labi saprata un, iesp\u0113jams, joproj\u0101m atceras.<\/p><p>Bet cik daudz k\u0101ds atceras par procentu apr\u0113\u0137iniem matem\u0101tik\u0101, ko m\u0101c\u012bj\u0101s n\u0101kamaj\u0101 stund\u0101, vai k\u0101ds zina, kas ir saliktie procenti?<\/p><p>Pamatojoties uz datiem no <a href=\"https:\/\/www-fin-ee.translate.goog\/uudised\/oecd-uuring-eesti-elanike-finantsteadmised-vorreldes-teiste-riikidega-head-kuid?_x_tr_sl=et&amp;_x_tr_tl=en&amp;_x_tr_hl=et&amp;_x_tr_pto=wapp\" target=\"_blank\" rel=\"noopener\">p\u0113t\u012bjuma<\/a>, ko 2016. gad\u0101 veica Ekonomisk\u0101s sadarb\u012bbas un att\u012bst\u012bbas organiz\u0101cija (OECD) ar Finan\u0161u ministrijas starpniec\u012bbu, tas ar\u012b b\u016btu \u013coti skaidrs, jo, sal\u012bdzinot 30 valstis, Igaunijas iedz\u012bvot\u0101ji ie\u0146\u0113ma tre\u0161o vietu finan\u0161u zin\u0101\u0161anu zi\u0146\u0101, apsteidzot Somiju un atrodoties tie\u0161i aiz Honkongas un Dienvidkorejas. B\u016btu lieliski, ja \u0161o v\u0113rt\u012bgo zin\u0101\u0161anu praktiskais pielietojums neb\u016btu tik reti sastopams. Saska\u0146\u0101 ar to pa\u0161u p\u0113t\u012bjumu, diem\u017e\u0113l igau\u0146i ie\u0146em tikai 24. vietu, jeb sesto vietu no beig\u0101m, attiec\u012bb\u0101 uz savu faktisko finan\u0161u uzved\u012bbu.<\/p><p>Bet k\u0101 m\u0113s varam lab\u0101k izmantot \u0161\u012bs zin\u0101\u0161anas praks\u0113?<\/p><p>Sp\u0113ja piem\u0113rot matem\u0101tiku re\u0101laj\u0101 dz\u012bv\u0113 bie\u017ei tiek saukta par finan\u0161u prat\u012bbu vai naudas gudr\u012bbu. Finan\u0161u ministrija ir izveidojusi septi\u0146u gadu programmu, lai veicin\u0101tu finan\u0161u prat\u012bbu. Tom\u0113r naudas gudr\u012bbu var\u0113tu aprakst\u012bt k\u0101 sp\u0113ju at\u0161\u0137irt graudus no pelav\u0101m, proti, ko, kad un k\u0101 ir pr\u0101t\u012bg\u0101k pirkt.<\/p><h2>\u201cK\u0101 s\u0113si, t\u0101 p\u013causi.<\/h2><p>Svar\u012bg\u0101k\u0101 m\u0101c\u012bba vai prasme naudas gudr\u012bb\u0101 ir apzin\u0101\u0161an\u0101s. Cilv\u0113ki p\u0113rk ar ac\u012bm un p\u0113c savas b\u016bt\u012bbas ir kr\u0101j\u0113ji. Mums vienk\u0101r\u0161i pat\u012bk kr\u0101t uzkr\u0101jumus, gad\u012bjumam, ja pien\u0101ktu lietainas dienas. T\u0101p\u0113c s\u0101ciet pl\u0101not. Tom\u0113r, cik daudzas \u0123imenes veido iepirkumu sarakstu, kad dodas iepirkties? Dro\u0161i vien \u013coti maz. Pl\u0101no\u0161ana pal\u012bdz t\u0113r\u0113t naudu gudr\u0101k un taup\u012bg\u0101k, pirkt tikai to, kas nepiecie\u0161ams, un izvair\u012bties no nevajadz\u012bgiem pirkumiem.<\/p><h2>\u201eZirgs vasar\u0101, rati ziem\u0101.<\/h2><p>Tom\u0113r, lai veiktu nepiecie\u0161amos izdevumus, izv\u0113lieties piem\u0113rotu laiku, ja iesp\u0113jams. Piem\u0113ram, kad v\u0113lamo pre\u010du vai pakalpojumu ieg\u0101de ir pieejam\u0101ka, ir atlaides un sezonas beigu izp\u0101rdo\u0161anas. Izv\u0113loties, atcerieties ar\u012b par kvalit\u0101ti, jo neviens nav tik bag\u0101ts, lai pirktu p\u0101r\u0101k l\u0113tas lietas. Neatlieciet izdevumus, kas pal\u012bdz\u0113s jums ietaup\u012bt naudu, piem\u0113ram, apkures sist\u0113mas renov\u0101cija, kas pal\u012bdz\u0113s jums iev\u0113rojami samazin\u0101t turpm\u0101kos komun\u0101lo pakalpojumu izdevumus.<\/p><h2>\u201cDevi\u0146as reizes m\u0113ri, vienu reizi griez.<\/h2><p>V\u0113l viena noder\u012bga prasme, ko ir v\u0113rts apg\u016bt un atcer\u0113ties, ir pareiza izv\u0113le. Izv\u0113le ir nepiecie\u0161ama ne tikai, veicot telefona zvanus vai balsojot par politi\u0137iem. T\u0101pat izv\u0113le ir b\u016btiska katru reizi, kad m\u0113s izlemjam kaut ko pirkt vai nepirkt.<\/p><p>Izv\u0113loties, m\u0113s izlemjam par labu vienai iesp\u0113jamai opcijai un vienlaikus atst\u0101jam nov\u0101rt\u0101 visas p\u0101r\u0113j\u0101s iesp\u0113jas. T\u0101p\u0113c ir \u013coti svar\u012bgi zin\u0101t un apsv\u0113rt da\u017e\u0101dus pied\u0101v\u0101tos risin\u0101jumus \u2013 alternat\u012bvas.<\/p><h2>\u201cD\u0101rg\u0101ks par sudraba d\u0101rgumiem,<\/h2><h2>D\u0101rg\u0101ks par zelta kr\u0101jumiem<\/h2><h2>Gudr\u012bba ir j\u0101atz\u012bst.<\/h2><p>Tom\u0113r alternat\u012bvas var b\u016bt \u013coti at\u0161\u0137ir\u012bgas atkar\u012bb\u0101 no personas. Piem\u0113ram, veikal\u0101 var izv\u0113l\u0113ties vienu, divas vai tr\u012bs maizes. To var atrast ar\u012b cit\u0101 veikal\u0101. Bet to var nopirkt ar\u012b kafejn\u012bc\u0101, tie\u0161i no maiznieka, pa\u0161am izcept vai nopirkt maizi. Bet vissvar\u012bg\u0101kais ir apsv\u0113rt visu iesp\u0113ju izmaksas vai cenu un izv\u0113l\u0113ties sev visizdev\u012bg\u0101ko.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>30 valstu sal\u012bdzin\u0101jum\u0101 Igaunijas iedz\u012bvot\u0101ji ie\u0146\u0113ma tre\u0161o vietu finan\u0161u zin\u0101\u0161anu jom\u0101. Bet&#8230;<\/p>\n","protected":false},"author":7223,"featured_media":21633,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-22365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg",1600,1083,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg",1600,1083,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg",1600,1083,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg",1600,1083,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-300x203.jpg",300,203,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-1024x693.jpg",800,541,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556-1536x1040.jpg",1536,1040,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/02\/unnamed-1-e1739973784556.jpg",1600,1083,false]},"rttpg_author":{"display_name":"Maiko Markus","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/maiko\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a>","rttpg_excerpt":"30 valstu sal\u012bdzin\u0101jum\u0101 Igaunijas iedz\u012bvot\u0101ji ie\u0146\u0113ma tre\u0161o vietu finan\u0161u zin\u0101\u0161anu jom\u0101. Bet...","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22365","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/users\/7223"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22365"}],"version-history":[{"count":4,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22365\/revisions"}],"predecessor-version":[{"id":22369,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22365\/revisions\/22369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/21633"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}