{"id":22418,"date":"2025-01-01T16:45:46","date_gmt":"2025-01-01T14:45:46","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/manage-personal-debt\/"},"modified":"2025-10-06T04:42:44","modified_gmt":"2025-10-06T02:42:44","slug":"parvaldit-personigos-paradus","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/parvaldit-personigos-paradus\/","title":{"rendered":"K\u0101 p\u0101rvald\u012bt savus person\u012bgos par\u0101dus [14 strat\u0113\u0123ijas]"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22418\" class=\"elementor elementor-22418 elementor-5174\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d6eb97 e-flex e-con-boxed e-con e-parent\" data-id=\"9d6eb97\" 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-14a31a0 elementor-widget elementor-widget-heading\" data-id=\"14a31a0\" 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\">K\u0101 p\u0101rvald\u012bt savus person\u012bgos par\u0101dus <br>[14 strat\u0113\u0123ijas]<\/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<div class=\"elementor-element elementor-element-1b81a19 e-flex e-con-boxed e-con e-parent\" data-id=\"1b81a19\" 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-950a251 elementor-widget elementor-widget-text-editor\" data-id=\"950a251\" 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<p>Ja izmantojat kred\u012btu pr\u0101t\u012bgi, varat izvair\u012bties no riska uz\u0146emties v\u0113l liel\u0101kas <a href=\"https:\/\/staging.moneyhub.ee\/money\/loans\/\">par\u0101dsaist\u012bbas<\/a>. Tagad ir laiks k\u013c\u016bt par gudru kred\u012bta lietot\u0101ju un p\u0101rvald\u012bt savas person\u012bg\u0101s par\u0101dsaist\u012bbas.<\/p><p>Pat\u012bk vai nepat\u012bk, kred\u012bts ir da\u013ca no m\u016bsu dz\u012bves un bie\u017ei vien saist\u012bts ar nep\u0101rvald\u0101m\u0101m par\u0101dsaist\u012bb\u0101m.<\/p><p>Kred\u012btv\u0113stures un kred\u012btreitingi darbojas k\u0101 j\u016bsu finan\u0161u vesel\u012bbas p\u0101rbaude, kad j\u016bs pieteicaties jaunam kred\u012btam. Neatkar\u012bgi no t\u0101, vai j\u016bs m\u0113\u0123in\u0101t ieg\u016bt kred\u012btu pirmo reizi vai v\u0113laties atjaunot savu kred\u012btsp\u0113ju, vien\u012bgais veids, k\u0101 izveidot stabilu kred\u012btv\u0113sturi, ir gudri izmantot kred\u012btu.<\/p><p><a href=\"https:\/\/staging.moneyhub.ee\/money\/credit-cards\/\">Kred\u012btkart\u0113m<\/a>, aizdevumiem, p\u0101rskat\u012btajiem kontiem un alternat\u012bviem aizdevumiem ir stingri noteikumi un nosac\u012bjumi. Ja neizmantojat kred\u012btu gudri, varat uzkr\u0101t vair\u0101k par\u0101du, kurus nevarat atmaks\u0101t.<\/p><p>Tom\u0113r, ja vienm\u0113r atmaks\u0101jat par\u0101dus laic\u012bgi un k\u013c\u016bstat gudrs kred\u012btu lietot\u0101js, izvair\u012bsieties no kred\u012bta procentiem un ietaup\u012bsiet naudu visa gada garum\u0101.<\/p><p>Lai saglab\u0101tu kontroli p\u0101r sav\u0101m kred\u012btu finans\u0113m, \u0161eit ir 14 veidi, k\u0101 t\u0101s izmantot gudri.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba0db26 elementor-widget elementor-widget-heading\" data-id=\"ba0db26\" 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\">14 veidi, k\u0101 p\u0101rvald\u012bt savus person\u012bgos par\u0101dus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f3830a elementor-widget elementor-widget-heading\" data-id=\"7f3830a\" 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<h3 class=\"elementor-heading-title elementor-size-default\">1. Ieg\u016bstiet savas kred\u012btv\u0113stures kopiju<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98a8b4b elementor-widget elementor-widget-text-editor\" data-id=\"98a8b4b\" 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<p>J\u016bsu kred\u012btv\u0113stur\u0113 ir uzskait\u012bti visi j\u016bsu konti un par\u0101di, kurus jums ir j\u0101atmaks\u0101.<\/p><p>Ieteicams katru gadu r\u016bp\u012bgi p\u0101rbaud\u012bt savu kred\u012btv\u0113sturi, \u012bpa\u0161i pirms veicat noz\u012bm\u012bgu pirkumu.<\/p><p>Vair\u0101k\u0101s valst\u012bs, tostarp Apvienotaj\u0101 Karalist\u0113 un ASV, ir kred\u012btv\u0113stures a\u0123ent\u016bras, kur\u0101s var piepras\u012bt savas kred\u012btv\u0113stures kopiju. Citas valstis izmanto viet\u0113j\u0101s bankas k\u0101 neapmaks\u0101to par\u0101du re\u0123istru.<\/p><p>Apsveriet ar\u012b iesp\u0113ju p\u0101rskat\u012bt savu inform\u0101ciju cit\u0101s valsts kred\u012btv\u0113stures a\u0123ent\u016br\u0101s. Igaunijas iedz\u012bvot\u0101ji var <a href=\"https:\/\/www.creditinfo.ee\/products-services\/eraisiku-krediidireiting\/\" target=\"_blank\" rel=\"noopener\">piepras\u012bt savu kred\u012btv\u0113sturi, ja ir E-Krediidiinfo Pro lietot\u0101ji.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b01478a elementor-widget elementor-widget-heading\" data-id=\"b01478a\" 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<h3 class=\"elementor-heading-title elementor-size-default\">2. Izveidojiet bud\u017eetu un iev\u0113rojiet to<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64a21ac elementor-widget elementor-widget-text-editor\" data-id=\"64a21ac\" 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<p>Ikvienam ir slikta ideja izmantot kred\u012btu, lai uztur\u0113tu savu pa\u0161reiz\u0113jo dz\u012bvesveidu, kas p\u0101rsniedz vi\u0146a iesp\u0113jas. Ja nevarat sevi uztur\u0113t, neuz\u0146emieties p\u0101r\u0101k lielas saist\u012bbas, uz\u0146emoties v\u0113l liel\u0101kas par\u0101dsaist\u012bbas.<\/p><p>Sagatavojiet bud\u017eetu un iev\u0113rojiet to, ko dr\u012bkstat t\u0113r\u0113t, samazinot izdevumus, ja nevarat uztur\u0113t savu izdevumu l\u012bmeni.<\/p><p>Bud\u017eetu ir viegli izveidot \u2014 <a href=\"https:\/\/www.swedbank.ee\/about\/privatefinances\/finances\/budget\" target=\"_blank\" rel=\"noopener\">vairum\u0101 banku ir bud\u017eeta pl\u0101not\u0101js<\/a>, vai ar\u012b varat vienk\u0101r\u0161i izveidot savu. Uzrakstiet visus savus ien\u0101kumus, algu, pabalstus un ien\u0101kumus no citiem avotiem, piem\u0113ram, akcij\u0101m un uzkr\u0101jumiem.<\/p><p>Tad sal\u012bdziniet tos ar visiem saviem ikm\u0113ne\u0161a izdevumiem, ieskaitot p\u0101rtiku un izklaidi. Ja jums katru m\u0113nesi paliek p\u0101rpalikums, tad jums kl\u0101jas labi. Ja jums ir negat\u012bvs atlikums, jums ir j\u0101ietaupa kaut kur.<\/p><p>Tas var samazin\u0101t summu, ko j\u016bs t\u0113r\u0113jat izklaidei; jums var b\u016bt j\u0101p\u0101riet uz l\u0113t\u0101ku \u012bres dz\u012bvokli vai j\u0101refinans\u0113 savi nesamaks\u0101tie par\u0101di.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a5b89 elementor-widget elementor-widget-heading\" data-id=\"c1a5b89\" 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<h3 class=\"elementor-heading-title elementor-size-default\">3. Ir labi, ja ir k\u0101ds kred\u012bts, bet ne p\u0101r\u0101k daudz.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83fc864 elementor-widget elementor-widget-text-editor\" data-id=\"83fc864\" 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<p>Kred\u012btv\u0113sture par\u0101da jaunajiem aizdev\u0113jiem un kreditoriem, k\u0101 j\u016bs varat p\u0101rvald\u012bt savas iepriek\u0161\u0113j\u0101s un eso\u0161\u0101s par\u0101dsaist\u012bbas.<br \/>Pat ja jums nav kred\u012btv\u0113stures, var b\u016bt gr\u016bti pieteikties jaunam kred\u012btam, jo aizdev\u0113jiem ir nepiecie\u0161ama papildu inform\u0101cija, lai nov\u0113rt\u0113tu j\u016bsu kred\u012btrisku.<br \/>Jums ir nepiecie\u0161ami tikai da\u017ei akt\u012bvi kred\u012bta konti, kas ir zin\u0101mi bank\u0101m un kred\u012btreitingu a\u0123ent\u016br\u0101m, lai par\u0101d\u012btu, ka j\u016bs protat p\u0101rvald\u012bt savu kred\u012btu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26dc52c elementor-widget elementor-widget-heading\" data-id=\"26dc52c\" 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<h3 class=\"elementor-heading-title elementor-size-default\">4. Vienm\u0113r maks\u0101jiet laic\u012bgi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff55b0b elementor-widget elementor-widget-text-editor\" data-id=\"ff55b0b\" 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<p>Kav\u0113jumi maks\u0101jumos, kas paz\u012bstami k\u0101 par\u0101di, negat\u012bvi ietekm\u0113 j\u016bsu kred\u012btreitingu. Tas ietekm\u0113 j\u016bsu iesp\u0113jas sa\u0146emt kred\u012btu, jo liecina par liel\u0101ku varb\u016bt\u012bbu, ka j\u016bs atkal kav\u0113siet maks\u0101jumus vai piln\u012bb\u0101 nepild\u012bsiet savas kred\u012btsaist\u012bbas.<br \/>Ja j\u016bs nevarat veikt maks\u0101jumus, sazinieties ar saviem eso\u0161ajiem kreditoriem un jaut\u0101jiet, vai vi\u0146i var izveidot jaunu maks\u0101jumu grafiku vai samazin\u0101t j\u016bsu procentu likmi<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90e1a29 elementor-widget elementor-widget-heading\" data-id=\"90e1a29\" 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<h3 class=\"elementor-heading-title elementor-size-default\">5. Refinans\u0113jiet eso\u0161o kred\u012btu, ja tas pal\u012bdz samazin\u0101t j\u016bsu par\u0101du slogu.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6673d3 elementor-widget elementor-widget-text-editor\" data-id=\"f6673d3\" 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<p>Pie\u0146emsim, ka j\u016bs nevarat sa\u0146emt jaunu kred\u012bta atmaksas grafiku par eso\u0161o par\u0101du vai samazin\u0101t procentu likmi. \u0160\u0101d\u0101 gad\u012bjum\u0101 viens no risin\u0101jumiem ir par\u0101da konsolid\u0101cija vai refinans\u0113\u0161anas aizdevums.<br \/>Par\u0101da konsolid\u0101cija un refinans\u0113\u0161anas aizdevumi var b\u016bt izdev\u012bgi, lai samazin\u0101tu j\u016bsu par\u0101da slogu.<br \/>Ja aiz\u0146\u0113m\u0113jiem ir eso\u0161s par\u0101du slogs, vi\u0146i var aiz\u0146emties t\u0101du pa\u0161u summu, lai atmaks\u0101tu eso\u0161os par\u0101dus un aizst\u0101tu tos ar jaunu, vienotu atmaksu.<br \/>Eso\u0161ie vair\u0101ki par\u0101di tagad tiek aizst\u0101ti ar vienu jaunu, liel\u0101ku, bet viegl\u0101k p\u0101rvald\u0101mu par\u0101du. Jaunais aizdevums parasti \u013cauj aiz\u0146\u0113m\u0113jiem sa\u0146emt zem\u0101ku procentu likmi un maz\u0101ku ikm\u0113ne\u0161a atmaksas summu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5293086 elementor-widget elementor-widget-heading\" data-id=\"5293086\" 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<h3 class=\"elementor-heading-title elementor-size-default\">6. Izmantojiet da\u017e\u0101dus kred\u012btu veidus<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35adf72 elementor-widget elementor-widget-text-editor\" data-id=\"35adf72\" 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<p>Kred\u012btu kontu kombin\u0101cija liecina, ka j\u016bs protat p\u0101rvald\u012bt visus kred\u012btu veidus.<br \/>Aizdevumu un kred\u012btkartes maks\u0101jumu v\u0113sture, pat auto un studentu kred\u012bti, liecina, ka jums var uztic\u0113t liel\u0101ku kred\u012btu.<br \/>V\u0113l lab\u0101k, regul\u0101ri ikm\u0113ne\u0161a maks\u0101jumi par aizdevumiem un kred\u012btkart\u0113m liecina, ka j\u016bs varat atbild\u012bgi p\u0101rvald\u012bt visus kred\u012btu veidus, demonstr\u0113jot savu sp\u0113ju t\u0113r\u0113t un atmaks\u0101t katru m\u0113nesi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bedb0b elementor-widget elementor-widget-heading\" data-id=\"3bedb0b\" 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<h3 class=\"elementor-heading-title elementor-size-default\">7. Uzturiet zemu kred\u012btkartes atlikumu<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddadf7a elementor-widget elementor-widget-text-editor\" data-id=\"ddadf7a\" 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<p>Kred\u012btu kontu kombin\u0101cija liecina, ka j\u016bs protat p\u0101rvald\u012bt visus kred\u012btu veidus.<br \/>Aizdevumu un kred\u012btkartu atmaksu v\u0113sture, pat auto un studentu kred\u012btu atmaksas, liecina, ka jums var uztic\u0113t liel\u0101ku kred\u012btu.<br \/>Neatmaks\u0101tie par\u0101di, kuriem ir augsts atlikuma un limita attiec\u012bba, ietekm\u0113s j\u016bsu kred\u012btreitingu.<br \/>Pie\u0146emsim, ka j\u016bs izmantojat savu pieejamo kred\u012btu (t\u0113r\u0113jot l\u012bdz kred\u012btkartes, p\u0101rskat\u012bto kontu vai aizdevumu limitam). \u0160\u0101d\u0101 gad\u012bjum\u0101 jums \u0161\u0137ietami ir palielin\u0101ts kred\u012bta risks.<br \/>Saglab\u0101jot zemu kred\u012bta atlikumu sal\u012bdzin\u0101jum\u0101 ar kred\u012bta limitu, j\u016bs par\u0101d\u0101t, ka j\u016bs t\u0113r\u0113jat tikai to, ko varat at\u013cauties.<br \/>J\u016bs esat vair\u0101k nek\u0101 sp\u0113j\u012bgs r\u012bkoties ar liel\u0101kiem pieejam\u0101 kred\u012bta apjomiem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00b503c elementor-widget elementor-widget-heading\" data-id=\"00b503c\" 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<h3 class=\"elementor-heading-title elementor-size-default\">8. P\u0101rdom\u0101jiet, pirms sl\u0113dzat kred\u012bta kontus<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33b143d elementor-widget elementor-widget-text-editor\" data-id=\"33b143d\" 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<p>Kred\u012bta konta sl\u0113g\u0161ana ir uzskat\u0101ma par sasniegumu. Tom\u0113r tas ir labi tikai da\u017eos gad\u012bjumos, jo tas var palielin\u0101t j\u016bsu izmanto\u0161anas r\u0101d\u012bt\u0101ju.<br \/>Protams, ir \u013coti pr\u0101t\u012bgi atbr\u012bvoties no da\u017eiem augsta procentu kred\u012btiem un kred\u012btkart\u0113m. Tom\u0113r saglab\u0101jiet tos, kuriem ir viszem\u0101kie procentu likmes (pat ja j\u016bs tos izmantojat reti).<br \/>Pier\u0101d\u012bt, ka jums ir da\u017eas eso\u0161as kred\u012bta formas, kuras netiek izmantotas, ir lab\u0101k nek\u0101 visp\u0101r neizmantot kred\u012bta iesp\u0113jas. Ja neuzticaties sev, zvaniet savam kred\u012bta sniedz\u0113jam un l\u016bdziet samazin\u0101t j\u016bsu p\u0101rsnieguma vai kred\u012btkartes limitu, lai nov\u0113rstu izdevumu k\u0101rdin\u0101jumu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7137b88 elementor-widget elementor-widget-heading\" data-id=\"7137b88\" 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<h3 class=\"elementor-heading-title elementor-size-default\">9. Lieliem vienreiz\u0113jiem pirkumiem izmantojiet kred\u012btkarti vai aizdevumu.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bd754b elementor-widget elementor-widget-text-editor\" data-id=\"1bd754b\" 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<p>Katru gadu m\u0113s veicam vienu lielu pirkumu. Tas var b\u016bt saist\u012bts ar atva\u013cin\u0101jumu, m\u0101jas remontu vai pat apdro\u0161in\u0101\u0161anas pr\u0113miju atjauno\u0161anu.<br \/>T\u0101 viet\u0101, lai veiktu \u0161os lielos pirkumus uzreiz, j\u016bs varat mekl\u0113t kred\u012btkartes ar 0 % likmi pirkumiem un ilg\u0101ku atmaksas periodu.<br \/>Vienlaikus iemaks\u0101jiet atmaksas summu uzkr\u0101jumu kont\u0101, lai nopeln\u012btu procentus. Tad izmantojiet \u0161o summu, lai atmaks\u0101tu par\u0101du, kad beigsies 0 % periods. Kad tas beigsies, VIENM\u0112R atmaks\u0101jiet visu atlikumu, cit\u0101di tiks piem\u0113rotas p\u0101rm\u0113r\u012bgi augstas procentu likmes.<br \/>Pie\u0146emsim, ka v\u0113laties izvair\u012bties no kred\u012btkartes izmanto\u0161anas. \u0160\u0101d\u0101 gad\u012bjum\u0101 varat izmantot mikrokred\u012btu, lai segtu nepiecie\u0161amo summu, un atmaks\u0101t to 3\u201312 m\u0113ne\u0161u laik\u0101 \u2014 pirms n\u0101kamaj\u0101 gad\u0101 atkal rad\u012bsies nepiecie\u0161am\u012bba.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d05cc6 elementor-widget elementor-widget-heading\" data-id=\"5d05cc6\" 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<h3 class=\"elementor-heading-title elementor-size-default\">10. Izmantojiet kred\u012btkarti, kas pied\u0101v\u0101 atl\u012bdz\u012bbas programmu.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2b6716 elementor-widget elementor-widget-text-editor\" data-id=\"f2b6716\" 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<p>Ja regul\u0101ri t\u0113r\u0113jat naudu, ir pr\u0101t\u012bgi izmantot kred\u012btkartes ar atl\u012bdz\u012bbas programm\u0101m, kuras klienti var izmantot.<\/p><ul><li>Vai j\u016bs daudz <a href=\"https:\/\/staging.moneyhub.ee\/insurance\/travel-insurance\/\">ce\u013cojat<\/a>? Piesakieties uz kred\u012btkarti ar gaisa j\u016bdz\u0113m.<\/li><li>M\u012blat iepirkties? Piesakieties uz kred\u012btkarti, kas maks\u0101 ar punktiem.<\/li><li>M\u016bsu ieteikums ir ieg\u0101d\u0101ties kred\u012btkarti ar naudas atmaksu. Jo vair\u0101k j\u016bs t\u0113r\u0113jat (un sapr\u0101t\u012bg\u0101s robe\u017e\u0101s) ar karti, jo vair\u0101k naudas atmaksu j\u016bs nopeln\u0101t.<\/li><\/ul><p>At\u0161\u0137ir\u012bb\u0101 no 0% pirkumu kred\u012btkart\u0113m, atl\u012bdz\u012bbas kred\u012btkart\u0113m parasti nav bezprocentu periods. T\u0101tad, ja j\u016bs t\u0101s izmantojat, jums katru m\u0113nesi ir j\u0101atmaks\u0101 pilns atlikums.<\/p><p>Pret\u0113j\u0101 gad\u012bjum\u0101 j\u016bsu uzkr\u0101t\u0101 naudas atmaks\u0101\u0161ana tiks ap\u0113sta kred\u012btkartes procentiem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-716d43b elementor-widget elementor-widget-heading\" data-id=\"716d43b\" 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<h3 class=\"elementor-heading-title elementor-size-default\">11. Nekad neizmantojiet kred\u012btkartes, lai iz\u0146emtu skaidru naudu.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a631e elementor-widget elementor-widget-text-editor\" data-id=\"72a631e\" 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<p>Naudas iz\u0146em\u0161ana ar kred\u012btkarti ir \u0101tr\u0101kais veids, k\u0101 palielin\u0101t savu par\u0101du procentus.<br \/>Jums ne tikai b\u016bs j\u0101maks\u0101 procenti par iz\u0146emto summu, bet ar\u012b naudas avansa apstr\u0101des maksa ir vismaz 2% vai vair\u0101k, kas noz\u012bm\u0113, ka par katriem 100 (\u20ac\/\u00a3\/$), ko iz\u0146emat skaidr\u0101 naud\u0101, jums izmaks\u0101s vismaz 102 (\u20ac\/\u00a3\/$).<br \/>Kred\u012btkartes izsniedz\u0113jiem, t\u0101pat k\u0101 jebkuram citam uz\u0146\u0113mumam, ir j\u0101g\u016bst pe\u013c\u0146a. Viens no galvenajiem veidiem, k\u0101 palielin\u0101t komisijas maksu, ir p\u0101rliecin\u0101t aiz\u0146\u0113m\u0113jus iz\u0146emt skaidru naudu ar kred\u012btkart\u0113m.<br \/>J\u0101, tas ir \u013coti \u0113rti, ta\u010du ilgtermi\u0146a sekas, kas saist\u012btas ar par\u0101da atmaksu, to nav v\u0113rtas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8fb779 elementor-widget elementor-widget-heading\" data-id=\"c8fb779\" 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<h3 class=\"elementor-heading-title elementor-size-default\">12. Nekad nepalieliniet savus izdevumus vai neaiz\u0146emieties, lai izk\u013c\u016btu no par\u0101diem.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-093ee96 elementor-widget elementor-widget-text-editor\" data-id=\"093ee96\" 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<p>Pie\u0146emsim, ka jums ir gr\u016bti katru m\u0113nesi savilkt galus kop\u0101.<br \/>\u0160\u0101d\u0101 gad\u012bjum\u0101 par\u0101du p\u0101rcel\u0161ana uz jaunu kred\u012btkarti vai refinans\u0113\u0161anas aizdevums, lai struktur\u0113tu maks\u0101jumus, var \u0161\u0137ist pareizais risin\u0101jums, bet pajaut\u0101jiet sev \u2013 vai j\u016bs palielin\u0101t savu par\u0101du, nevis samazin\u0101t to?<br \/>J\u016bs varat ilgoties p\u0113c Instagram bildes br\u012bvdien\u0101m, bet vai j\u016bs to varat at\u013cauties, ja t\u0113r\u0113jat vair\u0101k, nek\u0101 varat at\u013cauties?<br \/>Ja jums ir gr\u016bt\u012bbas ar par\u0101diem, sazinieties ar par\u0101du atbalsta dienestu, lai atrastu risin\u0101jumu. Nekad neaiz\u0146emieties vair\u0101k, lai ieg\u016btu to, kas jums ir nepiedodami nepieejams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4225110 elementor-widget elementor-widget-heading\" data-id=\"4225110\" 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<h3 class=\"elementor-heading-title elementor-size-default\">13. Neesiet loj\u0101ls vienam kred\u012bta sniedz\u0113jam<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5fb5dd elementor-widget elementor-widget-text-editor\" data-id=\"a5fb5dd\" 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<p>Nelojalit\u0101te var atmaks\u0101ties, ja v\u0113laties samazin\u0101t eso\u0161os par\u0101dus.<br \/>Pie\u0146emsim, ka jums ir kred\u012btkarte ar 0 % procentu likmi pirkumiem un bezprocentu periods dr\u012bz beigsies. \u0160\u0101d\u0101 gad\u012bjum\u0101 p\u0101rnesiet savu atlikumu uz citu karti, kas pied\u0101v\u0101 l\u012bdz\u012bgus nosac\u012bjumus.<br \/>Jaunas kartes pied\u0101v\u0101 pievilc\u012bgus pied\u0101v\u0101jumus jauniem klientiem, kurus t\u0101s nepied\u0101v\u0101 eso\u0161ajiem klientiem.<br \/>T\u0101tad, piem\u0113ram, kad \u0161\u012bs kartes bezprocentu periods beigsies, p\u0101rnesiet to uz citu kred\u012bta sniedz\u0113ju, kas pied\u0101v\u0101 l\u012bdz\u012bgus nosac\u012bjumus \u2014 nav nepiecie\u0161ams palikt loj\u0101lam, jo esat bijis vi\u0146u klients jau gadiem ilgi.<br \/>Tom\u0113r, veicot minim\u0101los maks\u0101jumus, lai dz\u0113stu par\u0101dus, nekad nepalieliniet tos, uz\u0146emoties jaunas par\u0101dsaist\u012bbas ar jaunu karti. M\u0113r\u0137is ir samazin\u0101t par\u0101du slogu, nevis to pak\u0101peniski palielin\u0101t.<br \/>Kred\u012btkart\u0113m ir augstas procentu likmes, t\u0101d\u0113j\u0101di palielinot komisijas maksu un procentu summu, ko jums var\u0113tu n\u0101kties maks\u0101t.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3393c8 elementor-widget elementor-widget-heading\" data-id=\"a3393c8\" 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<h3 class=\"elementor-heading-title elementor-size-default\">14. Ja iesp\u0113jams, maks\u0101jiet vair\u0101k nek\u0101 minim\u0101lo ikm\u0113ne\u0161a maks\u0101jumu, ja varat.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4a9c14 elementor-widget elementor-widget-text-editor\" data-id=\"a4a9c14\" 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<p>Neatkar\u012bgi no t\u0101, k\u0101ds ir j\u016bsu kred\u012bts, jums ir j\u0101veic minim\u0101lie ikm\u0113ne\u0161a maks\u0101jumi.<br \/>Vair\u0101ki aizdev\u0113ji at\u013cauj veikt priek\u0161laic\u012bgu kred\u012bta atmaksu \u2013 t\u0101d\u0113j\u0101di samazin\u0101sies j\u016bsu atmaks\u0101jam\u0101 procentu summa un j\u016bs \u0101tr\u0101k nok\u0101rtosiet savu par\u0101du, atbr\u012bvojot l\u012bdzek\u013cus turpm\u0101kiem pirkumiem.<br \/>Citiem v\u0101rdiem sakot, j\u016bs varat s\u0101kt kr\u0101t naudu n\u0101kotnei!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea3b2dd elementor-widget elementor-widget-heading\" data-id=\"ea3b2dd\" 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\">Esiet gudri kred\u012btu liet\u0101s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf77a5e elementor-widget elementor-widget-text-editor\" data-id=\"bf77a5e\" 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<p>Kred\u012bts ir da\u013ca no m\u016bsu finan\u0161u dz\u012bves. Arvien vair\u0101k cilv\u0113ku izmanto kred\u012btu, un \u0161is skaits tikai pieaugs.<br \/>Lab\u0101 zi\u0146a ir t\u0101, ka, ja j\u016bs esat gudrs kred\u012bta lietot\u0101js, j\u016bs varat izmantot kred\u012btu, lai p\u0101rvald\u012btu un samazin\u0101tu savus par\u0101dus.<br \/>Atcerieties, ka kred\u012btkartes, p\u0101rskat\u012bti konti un aizdevumi ir j\u0101izmanto gudri; k\u0101rdin\u0101jums tos izmantot da\u017ek\u0101rt var novest pie t\u0101d\u0101m izmaks\u0101m, ko j\u016bs nevarat at\u013cauties.<\/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>K\u0101 p\u0101rvald\u012bt savus person\u012bgos par\u0101dus [14 strat\u0113\u0123ijas] Ja izmantojat kred\u012btu pr\u0101t\u012bgi, varat izvair\u012bties no riska uz\u0146emties v\u0113l liel\u0101kas par\u0101dsaist\u012bbas. Tagad ir laiks k\u013c\u016bt par gudru kred\u012bta lietot\u0101ju un p\u0101rvald\u012bt savas person\u012bg\u0101s par\u0101dsaist\u012bbas. Pat\u012bk vai nepat\u012bk, kred\u012bts ir da\u013ca no m\u016bsu dz\u012bves un bie\u017ei vien saist\u012bts ar nep\u0101rvald\u0101m\u0101m par\u0101dsaist\u012bb\u0101m. Kred\u012btv\u0113stures un kred\u012btreitingi darbojas k\u0101 j\u016bsu finan\u0161u [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":22419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76,81],"tags":[],"class_list":["post-22418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti","category-useful-info"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-150x150.jpg",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-scaled.jpg",2560,1712,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"},"81":{"name":"Useful Info","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-scaled.jpg",2560,1712,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-scaled.jpg",2560,1712,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-scaled.jpg",2560,1712,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-150x150.jpg",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-300x201.jpg",300,201,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-1024x685.jpg",800,535,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-1536x1027.jpg",1536,1027,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2023\/10\/debt-obligation-banking-finance-loan-money-concept-2048x1369.jpg",2048,1369,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a> <a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/\" rel=\"category tag\">Useful Info<\/a>","rttpg_excerpt":"K\u0101 p\u0101rvald\u012bt savus person\u012bgos par\u0101dus [14 strat\u0113\u0123ijas] Ja izmantojat kred\u012btu pr\u0101t\u012bgi, varat izvair\u012bties no riska uz\u0146emties v\u0113l liel\u0101kas par\u0101dsaist\u012bbas. Tagad ir laiks k\u013c\u016bt par gudru kred\u012bta lietot\u0101ju un p\u0101rvald\u012bt savas person\u012bg\u0101s par\u0101dsaist\u012bbas. Pat\u012bk vai nepat\u012bk, kred\u012bts ir da\u013ca no m\u016bsu dz\u012bves un bie\u017ei vien saist\u012bts ar nep\u0101rvald\u0101m\u0101m par\u0101dsaist\u012bb\u0101m. Kred\u012btv\u0113stures un kred\u012btreitingi darbojas k\u0101 j\u016bsu finan\u0161u&hellip;","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22418","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22418"}],"version-history":[{"count":12,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22418\/revisions"}],"predecessor-version":[{"id":22558,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22418\/revisions\/22558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/22419"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}