{"id":68088,"date":"2025-12-19T06:57:09","date_gmt":"2025-12-19T06:57:09","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/68088\/"},"modified":"2025-12-19T06:57:09","modified_gmt":"2025-12-19T06:57:09","slug":"volanoustaja-%e2%9f%a9-tulgu-joulud-volavabad-ehk-kuidas-valtida-puhade-ajal-rahalisi-lokse","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/68088\/","title":{"rendered":"V\u00d5LAN\u00d5USTAJA \u27e9 Tulgu j\u00f5ulud v\u00f5lavabad ehk Kuidas v\u00e4ltida p\u00fchade ajal rahalisi l\u00f5kse"},"content":{"rendered":"<p>P\u00fchade eel on ps\u00fchholoogiline surve suur. Soov &#8220;mitte olla kehvem kui teised&#8221; v\u00f5i pakkuda lastele ja l\u00e4hedastele r\u00f5\u00f5mu, v\u00f5ib viia m\u00f5tteni, et v\u00e4ike kiirlaen v\u00f5i j\u00e4relmaksuga ostetud kingitus on kiire ja lihtne lahendus.<\/p>\n<p>Tegelikult on just see \u00fcks riskantsemaid samme, mida pingelise v\u00f5i ebastabiilse rahalise seisu korral teha saab. Kiirlaenudel on sageli k\u00f5rged intressid, lisanduvad lepingutasud, haldustasud ja viivised. N\u00e4iliselt v\u00e4ike, n\u00e4iteks 200-eurone laen v\u00f5ib m\u00f5ne kuu jooksul kasvada mitmesaja euro v\u00f5rra suuremaks. Sama kehtib j\u00e4relmaksu kohta \u2013 v\u00e4ikese kuumaksega pakkumised v\u00f5ivad tunduda soodsad, kuid mitme ostu peale kokku v\u00f5ib igakuine maksekoormus m\u00e4rkamatult muutuda liiga suureks. Kui inimene t\u00e4na h\u00e4tta j\u00e4\u00e4b, on tema kohustused sageli m\u00e4rksa suuremad kui varem. Tarbimislaenude summad on kasvanud, laenuturg on mitmekesistunud ning kohustuste teenindamine muutub keeruliseks juba v\u00e4ikese sissetuleku v\u00e4henemise, haiguseperioodi v\u00f5i muu ootamatu kulutuse korral.<\/p>\n<p>K\u00f5ige sagedamini p\u00f6\u00f6rduvad inimesed v\u00f5lan\u00f5ustaja poole olukorras, kus kohustusi on kogunenud liiga palju ning endal on kohustustest \u00fclevaade kadunud. Enam ei saada t\u00e4pselt aru, kellele ja kui palju tuleb igas kuus tasuda. Selline segadus tekitab stressi ja viib tihti uute l\u00e4bim\u00f5tlemata otsusteni \u2013 n\u00e4iteks uue laenu v\u00f5tmiseni, et tasuda varem v\u00f5etud laenu. Nii s\u00fcveneb probleem veelgi.<\/p>\n<p>Viimastel aastatel on lisandunud ka inimesi, kes on langenud petuskeemide ohvriks. Nad peavad kandma suuri kohustusi, mis ei ole tekkinud nende enda teadlike otsuste tulemusel. Enamasti j\u00f5uavad kliendid selliste juhtumite puhul v\u00f5lan\u00f5ustamisele alles siis, kui olukord on l\u00e4inud juba v\u00e4ga keeruliseks.<\/p>\n","protected":false},"excerpt":{"rendered":"P\u00fchade eel on ps\u00fchholoogiline surve suur. Soov &#8220;mitte olla kehvem kui teised&#8221; v\u00f5i pakkuda lastele ja l\u00e4hedastele r\u00f5\u00f5mu,&hellip;\n","protected":false},"author":2,"featured_media":68089,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[37,33,35,34,36,32694,29888,34645,34646,26586,1409,3754,159,158,2704],"class_list":{"0":"post-68088","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sport","8":"tag-ee","9":"tag-eesti","10":"tag-eesti-keel","11":"tag-estonia","12":"tag-estonian","13":"tag-jarelmaks","14":"tag-kiirlaen","15":"tag-kulutamine","16":"tag-noustamine","17":"tag-puhad","18":"tag-raha","19":"tag-sissetulek","20":"tag-sport","21":"tag-sports","22":"tag-volg"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115744934884437582","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/68088","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=68088"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/68088\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/68089"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=68088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=68088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=68088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}