Jauns gads n\u0101k ar jauniem m\u0113r\u0137iem. Laba ideja ir to s\u0101kt ar finan\u0161u m\u0113r\u0137u nosprau\u0161anu, lai nauda k\u013c\u016btu par sabiedroto, nevis rad\u012btu lieku stresu. Ar padomiem, k\u0101 pl\u0101not savu 2026. gada bud\u017eetu, Latvijas Radio 5 raidierakst\u0101 “Jauni un bag\u0101ti” dal\u012bj\u0101s finan\u0161u mentore Egija Veisa.\u00a0<\/p>\n
K\u0101 sast\u0101d\u012bt finan\u0161u m\u0113r\u0137us 2026. gadam?\u00a0<\/p>\n
Pirmk\u0101rt \u2013 j\u0101izdara secin\u0101jumi\u00a0<\/p>\n
Ja v\u0113lamies nospraust m\u0113r\u0137us n\u0101kamajam gadam, pirmais uzdevums ir atskat\u012bties uz iepriek\u0161\u0113jo un izdar\u012bt secin\u0101jumus.\u00a0<\/p>\n “Finans\u0113s tas ir \u013coti b\u016btiski \u2013 visp\u0101r apzin\u0101ties, kas ir noticis l\u012bdz \u0161im.\u00a0<\/p>\n Pirmais solis, ja gribam s\u0101kt dom\u0101t par jauno gadu, ir izanaliz\u0113t un salikt skait\u013cus par 2025. gadu,” nor\u0101d\u012bja Veisa.\u00a0<\/p>\n<\/blockquote>\n Piem\u0113ram, ja gribam 2026. gad\u0101 vair\u0101k iekr\u0101t, j\u0101saprot, k\u0101p\u0113c 2025. gad\u0101 tas neizdev\u0101s jeb kur palika nauda.\u00a0<\/p>\n “Tas nenoz\u012bm\u0113 tikai paskat\u012bties, kur t\u0101 palika pag\u0101ju\u0161aj\u0101 vai p\u0113d\u0113jos divos m\u0113ne\u0161us, bet visa gada griezum\u0101. Ja veicam uzskaiti, \u012bpa\u0161i paskat\u0101mies, kas ir vid\u0113jie skait\u013ci \u2013 kur nauda palikusi vid\u0113ji pa m\u0113nesim,” ieteica Veisa.\u00a0<\/p>\n T\u0101l\u0101k j\u0101izdara secin\u0101jumi \u2013 vai eso\u0161ais modelis un izdevumi man der, vai tom\u0113r kaut kas nav t\u0101, k\u0101 grib\u0113tos.\u00a0<\/p>\n “V\u0113l viens jaut\u0101jums ir \u2013 vai, \u0161\u0101di turpinot t\u0113r\u0113t, es ar \u0161o naudu atbalst\u012b\u0161u manas v\u0113rt\u012bbas? Tam es ar\u012b noteikti iesaku piev\u0113rst uzman\u012bbu. M\u0113dzam teikt, ka mana v\u0113rt\u012bba ir \u0123imene vai dro\u0161\u012bba, piem\u0113ram, un man ir t\u0101ds stress par naudu, ka es nevaru gul\u0113t. Tad paskat\u0101mies, cik daudz naudas ir aizg\u0101jis taj\u0101, lai \u0161o dro\u0161\u012bbas v\u0113rt\u012bbu atbalst\u012btu,” nor\u0101d\u012bja Veisa.\u00a0<\/p>\n Kam\u0113r vien neiem\u0101c\u012bsimies novirz\u012bt naudu savu v\u0113rt\u012bbu un priorit\u0101\u0161u uztur\u0113\u0161an\u0101, tikm\u0113r sav\u0101 zi\u0146\u0101 turpin\u0101sim skriet pret sienu un nekad l\u012bdz galam nejut\u012bsimies labi par savu finansi\u0101lo st\u0101vokli.\u00a0<\/p>\n Otrk\u0101rt \u2013 j\u0101veic anal\u012bze\u00a0<\/p>\n Ja pirmaj\u0101 sol\u012b vair\u0101k j\u0101analiz\u0113 skait\u013ci \u2013 kur, kas un cik daudz aizg\u0101jis, tad otraj\u0101 sol\u012b ir v\u0113rts apdom\u0101t ar\u012b savas izj\u016btas. K\u0101ds aizejo\u0161ais gads ir \u0161\u0137itis finan\u0161u jom\u0101 emocion\u0101li \u2013 kas izdev\u0101s, kas neizdev\u0101s, par ko ir lepnuma saj\u016bta.\u00a0<\/p>\n Piem\u0113ram, var piefiks\u0113t, ja pag\u0101ju\u0161aj\u0101 gad\u0101 izdev\u0101s izlas\u012bt k\u0101du gr\u0101matu par finan\u0161u prat\u012bbu vai varb\u016bt atv\u0113rt jaunu kr\u0101jkontu dro\u0161\u012bbas spilvenam, vai veikt regul\u0101rus maks\u0101jumus tre\u0161aj\u0101 pensiju l\u012bmen\u012b.\u00a0<\/p>\n “\u0160o ir \u013coti svar\u012bgi piefiks\u0113t pa\u0161am sev \u2013 \u012bsten\u012bb\u0101 tik daudz ir noticis \u0161aj\u0101 gad\u0101, esmu baigo soli pag\u0101jusi uz priek\u0161u, un tas iedod labu saj\u016btu. Cit\u0101di gads it k\u0101 nav gar\u0161 periods, bet aizmirstas, ko esam sajutu\u0161i taj\u0101 laik\u0101, t\u0101p\u0113c to ir v\u0113rt\u012bgi izdar\u012bt,” pauda Veisa.<\/p>\n Vienlaikus \u0161aj\u0101 sol\u012b svar\u012bgi piefiks\u0113t ar\u012b jaut\u0101jumus, kuros b\u016btu grib\u0113jies liel\u0101ku progresu, un tos, kam varb\u016bt nepietika laika vai kas neizdev\u0101s, k\u0101 iecer\u0113ts.\u00a0<\/p>\n Piem\u0113ram, varb\u016bt 2025. gad\u0101 bija v\u0113lme \u0101tr\u0101k atmaks\u0101t k\u0101du kred\u012btu, bet to neizdev\u0101s izdar\u012bt; vai aizbraukt divos ce\u013cojumos, bet tam nepietika l\u012bdzek\u013cu.\u00a0<\/p>\n “Tas iet kop\u0101 ar dz\u012bves m\u0113r\u0137iem, un \u0161is ir labs moments, kur\u0101 tos p\u0101rskat\u012bt.\u00a0<\/p>\n M\u0113s bie\u017ei sarakst\u0101m vis\u0101dus m\u0113r\u0137us jaunajam gadam, bet cik bie\u017ei p\u0113c tam\u00a0p\u0101rskat\u0101m, kas ar tiem ir noticis?<\/p>\n<\/blockquote>\n Tas ir tr\u016bksto\u0161ais elements \u2013 lab\u0101kaj\u0101 gad\u012bjum\u0101 esam pierakst\u012bju\u0161i, ko grib\u0113j\u0101m uz \u0161o gadu, bet vai m\u0113s p\u0113c tam aps\u0113\u017eamies, to p\u0101rskat\u0101m un izanaliz\u0113jam, kas no t\u0101 notika un k\u0101p\u0113c nenotika?” pauda Veisa.<\/p>\n Jo konstrukt\u012bv\u0101k pieiesim anal\u012btikai, jo lab\u0101ki rezult\u0101ti iesp\u0113jami n\u0101kamaj\u0101 gad\u0101. Bie\u017ei vien tas, k\u0101 mums \u0161\u0137iet, absol\u016bti neatbilst realit\u0101tei.\u00a0<\/p>\n Tre\u0161k\u0101rt \u2013 j\u0101uzst\u0101da m\u0113r\u0137i\u00a0<\/p>\n Kad esam atskat\u012bju\u0161ies uz iepriek\u0161\u0113jo gadu un izdar\u012bju\u0161i secin\u0101jumus gan par skait\u013ciem, gan saj\u016bt\u0101m, gan emocij\u0101m un piepild\u012btajiem vai nepiepild\u012btajiem m\u0113r\u0137iem, laiks \u0137erties kl\u0101t tam, ko v\u0113lamies sagaid\u012bt jaunaj\u0101 gad\u0101.\u00a0<\/p>\n “Ko es gribu sasniegt, k\u0101p\u0113c tas man ir svar\u012bgi, un ko man tas iedos? Tas ir b\u016btisks papildin\u0101jums visiem m\u0113r\u0137iem. Kad pasak\u0101m \u2013 b\u016btu for\u0161i atbr\u012bvoties no kred\u012bta n\u0101kamaj\u0101 gad\u0101, paturpin\u0101m, bet k\u0101p\u0113c man tas ir svar\u012bgi,” ieteica Veisa.\u00a0<\/p>\n Ir svar\u012bgi \u013coti konkr\u0113ti apzin\u0101ties potenci\u0101los ieguvumus, ko izdosies ieg\u016bt,\u00a0sasniedzot m\u0113r\u0137i. Pie\u0161\u0137irot m\u0113r\u0137iem emocijas, palielin\u0101s iesp\u0113ja, ka izdosies pie tiem pietur\u0113ties.<\/p>\n<\/blockquote>\n T\u0101l\u0101k m\u0113r\u0137i j\u0101cen\u0161as defin\u0113t p\u0113c iesp\u0113jas konkr\u0113t\u0101k. Veisa atkl\u0101ja, ka vi\u0146ai pa\u0161ai konkr\u0113tu m\u0113r\u0137u uzst\u0101d\u012b\u0161anai pat\u012bk izmantot “SMART” tehniku, kur\u0101 “SMART” ir akron\u012bms no v\u0101rdiem ang\u013cu valod\u0101, kas atg\u0101dina, ka m\u0113r\u0137im j\u0101b\u016bt:\u00a0<\/p>\n S \u2013 specifiskam<\/p>\n M \u2013 measurable jeb izm\u0113r\u0101mam<\/p>\n A \u2013 achievable jeb sasniedzamam\u00a0<\/p>\n R \u2013 relevantam jeb noz\u012bm\u012bgam<\/p>\n T \u2013 timely jeb ar konkr\u0113tu termi\u0146u<\/p>\n “Tad viss k\u013c\u016bst daudz re\u0101l\u0101k. Tad tas no sap\u0146a k\u013c\u016bst par re\u0101lu m\u0113r\u0137i. T\u0101p\u0113c iesaku iziet \u0161im procesam cauri, lai uzburtu v\u012bziju par to, ko gribam redz\u0113t jaunaj\u0101 gad\u0101,” ieteica Veisa.\u00a0<\/p>\n Ceturtk\u0101rt \u2013 j\u0101rada finan\u0161u pl\u0101ns\u00a0<\/p>\n Kad esam saliku\u0161i m\u0113r\u0137us un sapratu\u0161i, ko gribam n\u0101kamaj\u0101 gad\u0101 sasniegt, j\u0101rada konkr\u0113ts pl\u0101ns, k\u0101 to izdar\u012bt.\u00a0Visticam\u0101k, tas noz\u012bm\u0113s salikt visus izdevumu un ien\u0101kumu ciparus vienot\u0101 sist\u0113m\u0101 vai tabul\u0101. Svar\u012bgi turpin\u0101t dar\u012bt to pl\u0101nveid\u012bgi.\u00a0<\/p>\n J\u0101r\u0113\u0137in\u0101s, ka, iesp\u0113jams, b\u016bs lietas, no kur\u0101m b\u016bs j\u0101atsak\u0101s par labu nospraustajiem m\u0113r\u0137iem. Ir labi, ja t\u0101s izdodas prognoz\u0113t un iek\u013caut pl\u0101n\u0101.\u00a0<\/p>\n “T\u0101l\u0101k j\u0101saprot, k\u0101 es gribu justies par savu naudu jaunaj\u0101 gad\u0101 un k\u0101 es to varu ietvert sav\u0101 finan\u0161u pl\u0101n\u0101.\u00a0<\/p>\n<\/blockquote>\n \u012asten\u012bb\u0101 t\u0101 kaut k\u0101d\u0101 zi\u0146\u0101 ir sp\u0113l\u0113\u0161an\u0101s ar cipariem. Man grib\u0113tos, lai cilv\u0113ki tie\u0161\u0101m tam pieiet k\u0101 smil\u0161u kastei, nem\u0113\u0123inot uzreiz mekl\u0113t argumentus, k\u0101p\u0113c kaut kas nav iesp\u0113jams vai kaut kur nav variantu, bet s\u0101kot pasp\u0113l\u0113ties \u2013 k\u0101 b\u016btu, ja b\u016btu t\u0101. Pab\u012bd\u0101m re\u0101li tos skait\u013cus un paskat\u0101mies,” aicin\u0101ja Veisa.<\/p>\n Ja saprotam, ka izveidotais pl\u0101ns kaut k\u0101du iemeslu d\u0113\u013c neder vai nav re\u0101ls, m\u0113\u0123in\u0101m rad\u012bt citu, un t\u0101 atkal un atkal, kam\u0113r non\u0101kam pie t\u0101, ko v\u0113lamies redz\u0113t un kas ir re\u0101li sasniedzams.\u00a0<\/p>\n Ail\u012btes sav\u0101 pl\u0101n\u0101 j\u0101m\u0113\u0123ina veidot p\u0113c iesp\u0113jas konkr\u0113t\u0101kas, cit\u0101di Veisa paman\u012bjusi, ka zem nosaukuma “neparedz\u0113tiem izdevumiem” daudziem sl\u0113pjas kaut k\u0101das 10 atsevi\u0161\u0137as ailes, kuras paties\u012bb\u0101 vajadz\u0113tu izdal\u012bt.\u00a0<\/p>\n Piem\u0113ram, Ziemassv\u0113tku d\u0101vanu ieg\u0101de, b\u0113rna izlaidums, zobu higi\u0113nista apmekl\u0113jums vai automa\u0161\u012bnas tehnisk\u0101s apskates izdevumi absol\u016bti nav iepriek\u0161 neparedzami.\u00a0<\/p>\n<\/blockquote>\n Dr\u012bz\u0101k tie ir neregul\u0101ri izdevumi, kas neatk\u0101rtojas katru m\u0113nesi, bet kuriem paties\u012bb\u0101 varam sagatavoties.\u00a0<\/p>\n “Ir j\u0101b\u016bt god\u012bgiem pret sevi,” uzsv\u0113ra Veisa, cit\u0101di visa dz\u012bve beig\u0101s k\u013c\u016bst par vienu neparedz\u0113tu izdevumu. Protams, l\u012bdzek\u013ciem \u0101rk\u0101rt\u0113j\u0101m situ\u0101cij\u0101m ir j\u0101b\u016bt, bet tie t\u0101 ar\u012b j\u0101sauc \u2013 par dro\u0161\u012bbas spilvenu \u0101rk\u0101rtas gad\u012bjumiem.\u00a0<\/p>\n Piektk\u0101rt \u2013 j\u0101izmanto automatiz\u0101cija\u00a0<\/p>\n\n
\n
\n
\n
\n