{"id":990,"date":"2017-10-15T20:11:39","date_gmt":"2017-10-15T20:11:39","guid":{"rendered":"https:\/\/financer.lt\/?page_id=990"},"modified":"2024-07-05T15:41:54","modified_gmt":"2024-07-05T12:41:54","slug":"biudzeto-sudarymas","status":"publish","type":"wiki","link":"https:\/\/financer.lt\/asmeniniai-finansai\/straipsniai\/biudzeto-sudarymas\/","title":{"rendered":"Biud\u017eeto sudarymas"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Biudeto_Sudarymo_Nauda\">Biud\u017eeto Sudarymo Nauda<\/h2>\n\n\n\n<p>Lietuv\u0105 u\u017eklupus rekordinei infliacijai, yra svarbu su savo l\u0117\u0161omis elgtis itin protingai.<\/p>\n\n\n\n<p>\u0160iame straipsnyje aptarsime asmeninio biud\u017eeto sudarym\u0105 &#8211; bet i\u0161 prad\u017ei\u0173 \u012fvertinkime, kod\u0117l laikytis finansinio plano &#8211; verta.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"like\" style=\"counter-reset: step-counter 0;\"><h3 id=\"Pagrindiniai_biudu017eeto_sudarymo_privalumai\">Kod\u0117l verta planuoti pinigus?<\/h3><li><p>I\u0161moksite steb\u0117ti savo i\u0161laidas, pasteb\u0117site daromas finansines klaidas.<\/p>\n<\/li><li><p>Sutaupysite nema\u017eai nereikaling\u0173 i\u0161laid\u0173.<\/p>\n<\/li><li><p>Tur\u0117site daugiau l\u0117\u0161\u0173 svarbiems gyvenimo aspektams.<\/p>\n<\/li><li><p>I\u0161moksite kaupti santaupas bei taip tapsite finansi\u0161kai stabil\u016bs.<\/p>\n<\/li><li><p>Turimas l\u0117\u0161as leisite efektyviau bei produktyviau.<\/p>\n<\/li><li><p>Suvaldysite i\u0161augusias kainas d\u0117l infliacijos.<\/p>\n<\/li><\/ol><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Valdyti_pinigus___svarbu\">Valdyti pinigus &#8211; svarbu<\/h3>\n\n\n\n<p>Nepriklausomai nuo j\u016bs\u0173 pajam\u0173 dyd\u017eio, tam, kad jaustum\u0117t\u0117s stabiliai ir neleistum\u0117te pinigams valdyti j\u016bs\u0173, tur\u0117tum\u0117te sudaryti kruop\u0161t\u0173 finansin\u012f plan\u0105 &#8211; asmenin\u012f biud\u017eet\u0105.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-embeddable\"><img decoding=\"async\" width=\"800\" height=\"660\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2021\/08\/infographicbudgetbenefits.png\" alt=\"\" class=\"wp-image-18012\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2021\/08\/infographicbudgetbenefits.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2021\/08\/infographicbudgetbenefits-300x248.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2021\/08\/infographicbudgetbenefits-768x634.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/sutaupyk\/\" class=\"button  is-rounded is-primary is-inverted is-outlined is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Atraskite naujus taupymo b\u016bdus!<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"I_ko_sudarytas_asmeninis_biudetas\">I\u0161 ko sudarytas asmeninis biud\u017eetas?<\/h2>\n\n\n\n<p>Finansinis planas &#8211; turim\u0173 l\u0117\u0161\u0173 \u012fvertinimas bei j\u0173 paskirstymas pagal svarbos kategorijas.<\/p>\n\n\n\n<p>\u017demiau pateikiame pagrindines kategorijas, i\u0161 kuri\u0173 sudaromas m\u0117nesinis asmens biud\u017eetas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Asmenin_biudet_sudaro\">Asmenin\u012f biud\u017eet\u0105 sudaro:<\/h3>\n\n\n\n<ul>\n<li>Gaunam\u0173 pajam\u0173 \u012fvertinimas.<\/li>\n\n\n\n<li>L\u0117\u0161\u0173 skyrimas b\u016btinoms paslaugoms.<\/li>\n\n\n\n<li>L\u0117\u0161\u0173 paskirstymas maisto prek\u0117ms.<\/li>\n\n\n\n<li>Neb\u016btin\u0173j\u0173 paslaug\u0173 valdymas.<\/li>\n\n\n\n<li>L\u0117\u0161\u0173 skyrimas santaupoms.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Asmeninio_biudeto_sudarymas\"><strong>Asmeninio biud\u017eeto sudarymas<\/strong><\/h2>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>M\u016bs\u0173 biud\u017eetas paremtas pajam\u0173 bei i\u0161laid\u0173 analize. Biud\u017eetas jums pad\u0117s paskirstyti turimas pajamas b\u016btiniausioms i\u0161laidoms apmok\u0117ti bei u\u017ekirs keli\u0105 finansin\u0117ms klaidoms.<\/p><\/div>\n\n\n<p>\u012evertinsime visas gaunamas \u012fplaukas, i\u0161laidas paskirstysime \u012f kelias pagrindines kategorijas \u2013 b\u016bsto ir komunalines, transporto, fiksuotas ir (ne)b\u016btin\u0105sias i\u0161laidas.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/sutaupyk\/top-investavimo-platformos\/\" class=\"button  is-rounded is-primary is-inverted is-outlined is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Geriausios investavimo platformos &#8211; \u010dia!<\/a><\/div>\n\n<h3 id=\"Biudu017eeto_sudarymo_eiga\">Kaip sudaryti biud\u017eet\u0105?<\/h3><div class=\"howto_desc\"><p>Prie\u0161 gilinantis \u012f kiekvien\u0105 biud\u017eeto aspekt\u0105, mes pateikiame sutrumpint\u0105 biud\u017eeto sudarymo eig\u0105 &#8211; i\u0161 ties\u0173, sudaryti savo \u0161eimos \u016bkio biud\u017eet\u0105 yra papras\u010diau, nei gali pasirodyti!<\/p><\/div><h4>\u017dingsniai<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Sura\u0161ykite visas gaunamas pajamas<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Pasi\u017eym\u0117kite b\u016btin\u0105sias i\u0161laidas<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Pasi\u017eym\u0117kite neb\u016btin\u0105sias i\u0161laidas<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Nustatykite biud\u017eet\u0105 kiekvienam i\u0161laid\u0173 tipui<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">1 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Surasykite-visas-gaunamas-pajamas\">Sura\u0161ykite visas gaunamas pajamas<\/h3><p>Nor\u0117dami nustatyti, kiek galite sau leisti, i\u0161 prad\u017ei\u0173 turite ai\u0161kiai \u017einoti, kiek u\u017edirbate &#8211; tai ypatingai aktualu tiems, kurie mokes\u010dius moka patys, bei tiems, kuri\u0173 atlyginimai skiriasi priklausomai nuo m\u0117nesio.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">2 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pasizymekite-butinasias-islaidas\">Pasi\u017eym\u0117kite b\u016btin\u0105sias i\u0161laidas<\/h3><p>Kitas \u017eingsnis &#8211; plane i\u0161skirti i\u0161laidas, be kuri\u0173 negalite apsieiti bei keisti. \u0160i plano dalis &#8211; nejudinama, bei j\u0105 pasira\u0161\u0119, \u017einosite, kokia pinig\u0173 dalimi galite laviruoti ties likusiomis i\u0161laidomis.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">3 \u017dingsnis<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pasizymekite-nebutinasias-islaidas\">Pasi\u017eym\u0117kite neb\u016btin\u0105sias i\u0161laidas<\/h3><p>Taip pat vert\u0117t\u0173 nepamir\u0161ti ir neb\u016btin\u0173j\u0173 i\u0161laid\u0173 &#8211; i\u0161siskyr\u0119 \u0161io tipo ka\u0161tus, j\u016bs gal\u0117site ne tik skirti jiems biud\u017eet\u0105, kuris nekenks j\u016bs\u0173 piniginei, ta\u010diau ir i\u0161kart pasteb\u0117site finansines klaidas, kurias galb\u016bt darote.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_4\">I\u0161vada<\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                    <h3>Nustatykite biud\u017eet\u0105 kiekvienam i\u0161laid\u0173 tipui<\/h3>\n                                                <p>Paskutinis \u017eingsnis &#8211; suskirstyti pajamas ir sekti j\u0173 laikymosi!<\/p>\n<p>Paskirstykite l\u0117\u0161as remdamiesi prioritetais, kuriuos sau i\u0161sik\u0117l\u0117te galvodami apie b\u016btin\u0105sias i\u0161laidas, bei steb\u0117kite, kaip jums sekasi sudaryto biud\u017eeto laikytis.<\/p>\n<p>Asmenini\u0173 finans\u0173 suvaldymas remiasi \u012fsisen\u0117jusi\u0173 \u012fpro\u010di\u0173 keitimu, tad yra labai svarbu, jog pirmaisiais m\u0117nesiais atid\u017eiai steb\u0117tum\u0117te savo i\u0161laidas.<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Visos_gaunamos_pajamos\"><strong>Visos gaunamos pajamos<\/strong><\/h2>\n\n\n\n<p>Prad\u0117kime nuo pa\u010dio svarbiausio dalyko- j\u016bs\u0173 gaunam\u0173 pajam\u0173. Tam, kad gal\u0117tum\u0117te i\u0161mokti valdyti savo pinigus, turite tiksliai \u017einoti, kiek t\u0173 pinig\u0173 turite. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Nuovoka &#8211; svarbi<\/h4>\n\n\n\n<p>Gaunam\u0173 \u012fplauk\u0173 m\u0105sto nuovoka jums pad\u0117s i\u0161skirti svarbiausias i\u0161laidas, atsi\u017evelgiant \u012f tuometin\u0119 j\u016bs\u0173 finansin\u0119 pad\u0117t\u012f bei taip palaikyti teigiam\u0105 finansin\u012f balans\u0105.<\/p>\n\n\n\n<p>Taip i\u0161vengsite finansinio nuosmukio ir nuolatos palaikysite finansin\u012f augim\u0105 &#8211; vien\u0105 svarbiausi\u0173 dalyk\u0173, b\u016btin\u0173 finansinei gerovei pasiekti.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Venkite geriausio varianto<\/h4>\n\n\n\n<p>Nera\u0161ykite auk\u0161\u010diausio ar vidutinio atlyginim\u0173, nes taip rizikuojate patirti neigiam\u0105 m\u0117nesin\u012f pajam\u0173 bei i\u0161laid\u0173 balans\u0105 &#8211; jei \u012fra\u0161ysite daugiau, nei gaunate, atitinkamai b\u016bsite suplanav\u0119 didesnes i\u0161laidas, nei realiai galite sau leisti.<\/p>\n\n\n\n<p>Visada nurodykite visas pajamas jau po nuskai\u010diuot\u0173 mokes\u010di\u0173- tik taip gal\u0117site \u017einoti tiksl\u0173 gaunam\u0173 pinig\u0173 kiek\u012f, kur\u012f galite planuoti savo reikm\u0117ms patenkinti.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Papildomos_pajamos_kuriu0173_vertu0117tu0173_nepamiru0161ti\">Papildomos pajamos, kuri\u0173 vert\u0117t\u0173 nepamir\u0161ti<\/h3><li><p>Bedarbio pa\u0161alpa.<\/p>\n<\/li><li><p>Pensija.<\/p>\n<\/li><li><p>Ligos kompensacijos.<\/p>\n<\/li><li><p>T\u0117v\u0173 ar giminai\u010di\u0173 parama.<\/p>\n<\/li><li><p>Studij\u0173 stipendija.<\/p>\n<\/li><li><p>Papildomos darbo i\u0161mokos, tokios kaip premija ir priedai.<\/p>\n<\/li><li><p>Pa\u0161alpos u\u017e vaikus.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block fn-company-list\"><h3 id=\"Jei_prireiku0117_paskolos\">Jei prireik\u0117 paskolos:<\/h3>\t\t<div class=\"container\">\n            <div class=\"company-list__desktop\">\n                <table class=\"company-list-table\">\n                    <thead>\n                        <tr class=\"company-list-table__titles is-hidden-mobile\">\n                            <th>Kompanija<\/th>\n                            <th>Bendras \u012evertinimas<\/th>\n\t\t\t\t\t\t\t<th>Kart\u0173 Pasirinkta<\/th>\n                            <th><\/th>\n                        <\/tr>\n                    <\/thead>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tBobut\u0117s paskola\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.lt\/kompanija\/bobutes-paskola\/\"  >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Bobut\u0117s paskola\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2023\/02\/bobutespaskola-e1675705446795.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">1,608<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.lt\/kompanija\/bobutes-paskola\/\"  class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tPamatyti Kompanij\u0105 <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n                                    \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"company-list-table__row\">\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\tCredit24\t\t\t\t\t\t\t\t<a class=\"company-list-table__logo\" href=\"https:\/\/financer.lt\/kompanija\/credit24\/\"  >\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" title=\"Credit24\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2018\/05\/credit24new.png\" alt=\"\">\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\"><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"4\">4.0<\/span><\/td>\n\t\t\t\t\t\t\t<td class=\"is-hidden-mobile\">828<\/td>\n\t\t\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/financer.lt\/kompanija\/credit24\/\"  class=\"button is-rounded is-primary company-list-table__button\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\tPamatyti Kompanij\u0105 <img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/icons-arrow-to-right.svg\" width=\"14\" height=\"10\" alt=\"\">\n                                    \t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t                    <\/tbody>\n                <\/table>\n            <\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ilaidos\"><strong>I\u0161laidos<\/strong><\/h2>\n\n\n\n<p>\u012evertinus gaunamas pajamas, reikia \u012fvertinti patiriamas i\u0161laidas.<\/p>\n\n\n\n<p>Prad\u0117kite nuo b\u016btin\u0173j\u0173 i\u0161laid\u0173 &#8211; atskyr\u0119 b\u016btinasias i\u0161laidas, geriau matysite t\u0105 biud\u017eeto dal\u012f, kuria galima pozicionuoti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Btinos_Ilaidos\">1. B\u016btinos I\u0161laidos<\/h3>\n\n\n\n<p>Prie \u0161io tipo i\u0161laid\u0173 reikia priskirti tuos \u012fsipareigojimus, kurie yra b\u016btini ir nepakei\u010diami.<\/p>\n\n\n\n<p>Tai yra &#8211; b\u016bsto nuoma, kuras transportui (jei jis b\u016btinas), \u012fvair\u016bs finansiniai \u012fsipareigojimai ir pana\u0161iai.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Btinj_ilaid_tipai\">B\u016btin\u0173j\u0173 i\u0161laid\u0173 tipai<\/h3><ol>\n<li>B\u016bsto i\u0161laikymas.<\/li>\n<li>Transporto i\u0161laidos.<\/li>\n<li>Fiksuotos i\u0161laidos.<\/li>\n<\/ol><\/div>\n\n\n<h4 class=\"wp-block-heading\">B\u016btin\u0173 I\u0161laid\u0173 Pavyzd\u017eiai<\/h4>\n\n\n\n<p>\u017demiau pateikiame kelet\u0105 b\u016btin\u0173j\u0173 i\u0161laid\u0173 pavyzd\u017ei\u0173 &#8211; pasitikrinkite, ar sura\u0161ydami i\u0161laidas nieko nepamir\u0161ote.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"725\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2017\/10\/lt-butinos-islaidos-1024x725.png\" alt=\"\" class=\"wp-image-29828\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-butinos-islaidos-1024x725.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-butinos-islaidos-300x213.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-butinos-islaidos-768x544.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-butinos-islaidos.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Santaupos &#8211; b\u016btinos<\/h4>\n\n\n\n<p>Taip pat primename, kad \u012f plan\u0105 \u012fskai\u010diuotum\u0117te ir santaupas &#8211; jei tik yra galimyb\u0117, reikia didinti turimas santaupas.<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"pasiskirstymas\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_pasiskirstymas = echarts.init(document.getElementById('pasiskirstymas'));\n\t\t\tvar data_arr = [];\n\t\t\tvar data_value = [\"450\",\"50\",\"250\",\"100\",\"150\"];\n\t\t\tvar data_name = [\"Nuoma + Kom.\",\"Transportas\",\"Maistas\",\"Kitos i\\u0161laidos\",\"Santaupos\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tvar item = {value: data_value[i], name:data_name[i]};\n\t\t\t\tdata_arr.push(item);\n\t\t\t}\n\t\t\tvar option = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: 'L\u0117\u0161\u0173 pasiskirstymas',\n\t\t\t\t\t\tsubtext: 'U\u017edirbant 1 000\u20ac ,,\u012f rankas\"',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 'image:\/\/'+fs.theme_uri+'\/assets\/images\/icons-download-blue.svg',\n\t\t\t\t\t\t\t\ticonStyle: {\n\t\t\t\t\t\t\t\t\tcolor: '#2098ce',\n\t\t\t\t\t\t\t\t\tborderColor: '#2098ce',\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\ttitle: 'Atsisi\u0173sti',\n\t\t\t\t\t\t\t\tpixelRatio: '2',\n\t\t\t\t\t\t\t\tbackgroundColor: '#ffffff'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\tfontFamily: 'Poppins, arial, sans-serif',\n\t\t\t\t\t\tfontWeight: 'lighter',\n\t\t\t\t\t\tfontSize: '14'\n\t\t\t\t\t},\n\t\t\t\t\tcolor: ['#fdce54','#60d394', '#d34a4a', '#2098ce', '#f5e7d8', '#137dad', '#c5b7a8'],\n\t\t\t\t\ttooltip : {\n\t\t\t\t\ttrigger: 'item',\n\t\t\t\t\t\tformatter: '{b0}: {c0}'\n\t\t\t\t\t},\n\t\t\t\t\tlegend: { orient: 'vertical', right: 20, bottom: 20 },\n\t\t\t\t\tseries : [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttype: 'pie',\n\t\t\t\t\t\t\tradius : '80%',\n\t\t\t\t\t\t\ttop: 0,\n\t\t\t\t\t\t\tleft: 0,\n\t\t\t\t\t\t\tanimation: true,\n\t\t\t\t\t\t\t\n\t\t\tlabel: {\n\t\t\t\tnormal: {\n\t\t\t\t\tposition: 'outside',\n\t\t\t\t\talignTo: 'none',\n\t\t\t\t\tshow: '1',\n\t\t\t\t\tcolor: '#999',\n\t\t\t\t\tfontSize: 14,\n\t\t\t\t}\n\t\t\t},\n\t\t\n\t\t\t\t\t\t\temphasis: {\n\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\tshow: true,\n\t\t\t\t\t\t\t\t\tfontSize: '18',\n\t\t\t\t\t\t\t\t\tfontWeight: 'bold'\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\t\t\t\tlength: 20,\n\t\t\t\t\t\t\t\t\tlength2: 30,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tstartAngle: 110,\n\t\t\t\t\t\t\tcenter: ['50%', '50%'],\n\t\t\t\t\t\t\tselectedMode: 'single',\n\t\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\t\titemStyle: {\n\t\t\t\t\t\t\t\tborderColor: '#FFFFFF',\n\t\t\t\t\t\t\t\tborderWidth: 3,\n\t\t\t\t\t\t\t\temphasis: {\n\t\t\t\t\t\t\t\t\tborderWidth: 0,\n\t\t\t\t\t\t\t\t\tshadowBlur: 10,\n\t\t\t\t\t\t\t\t\tshadowOffsetX: 0,\n\t\t\t\t\t\t\t\t\tshadowColor: 'rgba(0, 0, 0, 0.5)'\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t}\n\t\t\t\t\t]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tseries : [\n\t\t\t\t\t\t\t\t{\n\t\t\t\t\t\t\t\t\tradius : '52%',\n\t\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tfontSize: 10\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tlength: 10,\n\t\t\t\t\t\t\t\t\t\t\tlength2: 10,\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tcenter: ['50%', '40%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tseries : [\n\t\t\t\t\t\t\t\t{\n\t\t\t\t\t\t\t\t\tradius : '80%',\n\t\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tfontSize: 14\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tlength: 20,\n\t\t\t\t\t\t\t\t\t\t\tlength2: 30,\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tcenter: ['50%', '50%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\t\t\tmyChart_pasiskirstymas.setOption(option);\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_pasiskirstymas.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_NeBtinosios_ilaidos\">2. <strong>(Ne)B\u016btinosios i\u0161laidos<\/strong><\/h3>\n\n\n\n<p>\u012evertinus fiksuotas i\u0161laidas, kitas \u017eingsnis - apgalvoti i\u0161laidas, kurias galima nesunkiai valdyti ir taip sutaupyti begal\u0119 pinig\u0173. <\/p>\n\n\n\n<p>Yra labai svarbu, kad apgalvotum\u0117te visk\u0105 - net smulkmenas.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"650\" height=\"620\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2017\/10\/lt-nebutinos-islaidos.png\" alt=\"\" class=\"wp-image-29861\" style=\"width:488px;height:465px\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-nebutinos-islaidos.png 650w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2017\/10\/lt-nebutinos-islaidos-300x286.png 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/figure><\/div>\n\n\n<h4 class=\"wp-block-heading\">Papildom\u0173 I\u0161laid\u0173 pavyzd\u017eiai<\/h4>\n\n\n\n<p>\u017demiau pateikiame s\u0105ra\u0161\u0105 \u012fvairi\u0173 i\u0161laid\u0173, apie kurias tur\u0117tum\u0117te pagalvoti, sudarydami biud\u017eet\u0105.<\/p>\n\n\n\n<p>Kai kurios i\u0161 \u0161i\u0173 i\u0161laid\u0173 gali b\u016bti svarbios, kitos - ne. D\u0117l patiriam\u0173 i\u0161laid\u0173 svarbos prival\u0117site nuspr\u0119sti J\u016bs.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Papildomos_iu0161laidos\">Papildomos i\u0161laidos - pavyzd\u017eiai<\/h3><li><p><strong>Maistas, \u012fskaitant neb\u016btinuosius produktus. <\/strong><\/p>\n<p>Jei nor\u0117site suma\u017einti savo i\u0161laidas, tai b\u016bt\u0173 vienas i\u0161 t\u0173 dalyk\u0173, kuriuos tur\u0117tum\u0117te pa\u0161alinti i\u0161 biud\u017eeto.<\/p>\n<\/li><li><p><strong>Piet\u0173 ir kavos kaina j\u016bs\u0173 darbo dienoms. <\/strong><\/p>\n<p>Jei nuolatos valgote pietus kavin\u0117se ir restoranuose, gal b\u016bt\u0173 verta atsine\u0161ti namuose gamint\u0105 maist\u0105? Jis neretai yra skanesnis ir \u2026 pigesnis!<\/p>\n<\/li><li><p><strong>I\u0161laidos vaikui.<\/strong><\/p>\n<p>Vaiko drabu\u017eiai, batai, \u017eaislai, mokyklin\u0117s priemon\u0117s.<\/p>\n<\/li><li><p><strong>Higienos ir gro\u017eio priemon\u0117s.<\/strong><\/p>\n<p>Pavyzd\u017eiui, muilas, \u0161amp\u016bnas, dezodorantas, kosmetika ir plauk\u0173 prie\u017ei\u016bra. Nepamir\u0161kite \u012fskai\u010diuoti kirpyklos i\u0161laid\u0173.<\/p>\n<\/li><li><p><strong>Nam\u0173 apyvokos priemon\u0117s.<\/strong><\/p>\n<p>T.y. skalbimo milteliai, audini\u0173 mink\u0161tikliai, tualeto ir virtuv\u0117s rank\u0161luos\u010diai, plovikliai, indai, valymo priemon\u0117s ir kt.<\/p>\n<\/li><li><p><strong>Drabu\u017eiai ir batai.<\/strong><\/p>\n<p>Visos \u012fmanomos i\u0161laidos aprangai.<\/p>\n<\/li><li><p><strong>Baldai, technika ir kiti buitiniai prietaisai.<\/strong><\/p>\n<p>Telefonas, kompiuteris, net skalbimo ma\u0161ina - nepamir\u0161kite vis\u0173 perkam\u0173 \u012frengini\u0173.<\/p>\n<\/li><li><p><strong>Medicinini\u0173 vizit\u0173, stomatolog\u0173 ir vaist\u0173 i\u0161laidos.<\/strong><\/p>\n<p>Sveikata yra svarbi, ta\u010diau gali ir brangiai kainuoti - \u012fvertinkite i\u0161laidas \u0161iam aspektui.<\/p>\n<\/li><li><p><strong>Laisvalaikis ir pramogos.<\/strong><\/p>\n<p>Pavyzd\u017eiui, pom\u0117giai, ekstremalus sportas, knygos, vakarien\u0117s mieste, vyno degustacijos, kinas ir kelion\u0117s. \u010cia j\u016bs visada galite apkarpyti savo biud\u017eet\u0105, jeigu jums reikia suma\u017einti i\u0161laidas.<\/p>\n<\/li><li><p><strong>I\u0161laidos augintiniui.<\/strong><\/p>\n<p>Turite augintini\u0173? Nepamir\u0161kite \u012fskai\u010diuoti ir j\u0173 i\u0161laid\u0173 (maistas, \u017eaislai, veterinaro paslaugos, kt.)<\/p>\n<\/li><li><p><strong>Kitos i\u0161laidos.<\/strong><\/p>\n<p>Pavyzd\u017eiui, gimtadienio dovanos, Kal\u0117din\u0117s dovanos ir kt.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"i503020_taisykl\">50\/30\/20 taisykl\u0117<\/h2>\n\n\n\n<p>Papildomas patarimas skaitytojams - bandyti laikytis vis populiar\u0117jan\u010dios 50\/30\/20 taisykl\u0117s.<\/p>\n\n\n\n<p>Laikantis \u0161ios taisykl\u0117s ne tik i\u0161moksite pasir\u016bpinti savo b\u016btinaisiais poreikiais efektyviai, bet ir spar\u010diai kaupsite savo santaupas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Taisykl_paprastai\">Taisykl\u0117 paprastai<\/h3>\n\n\n\n<p>Paprastai tariant, pagal \u0161i\u0105 taisykl\u0119 savo pajamas reikt\u0173 suskirstyti \u012f \u0161ias kategorijas:<\/p>\n\n\n\n<ul>\n<li><strong>50% pajam\u0173 - b\u016btinosioms i\u0161laidoms.<\/strong><br>B\u016btinosios i\u0161laidos - Mokes\u010diai, b\u016bstas (nuoma), maistas, b\u016btinosios paslaugos.<\/li>\n\n\n\n<li><strong>30% pajam\u0173 - kintamoms i\u0161laidoms.<\/strong><br>Kintamos i\u0161laidos - \u012fvairios pramogos, neb\u016btinosios paslaugos, neskub\u016bs pirkiniai.<\/li>\n\n\n\n<li><strong>20% pajam\u0173 - taupymui.<\/strong><br>Likusius 20% pajam\u0173 vert\u0117t\u0173 atsid\u0117ti - taupyti arba investuoti.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"taisykle\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_taisykle = echarts.init(document.getElementById('taisykle'));\n\t\t\tvar data_arr = [];\n\t\t\tvar data_value = [\"50\",\"30\",\"20\"];\n\t\t\tvar data_name = [\"B\\u016btinos i\\u0161laidos\",\"Kintamos i\\u0161laidos\",\"Santaupos\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tvar item = {value: data_value[i], name:data_name[i]};\n\t\t\t\tdata_arr.push(item);\n\t\t\t}\n\t\t\tvar option = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: '50\/30\/20 taisykl\u0117 - vizualizacija',\n\t\t\t\t\t\tsubtext: '',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 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'40%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tseries : [\n\t\t\t\t\t\t\t\t{\n\t\t\t\t\t\t\t\t\tradius : ['80%', '52%'],\n\t\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tfontSize: 14\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tlength: 20,\n\t\t\t\t\t\t\t\t\t\t\tlength2: 30,\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tcenter: ['50%', '50%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\t\t\tmyChart_taisykle.setOption(option);\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_taisykle.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Patarimai_valdant_finansus\">Patarimai valdant finansus<\/h3>\n\n\n\n<p>Pateikiame keturis patarimus, kurie pad\u0117s laikytis sudaryto plano bei grei\u010diau pasteb\u0117ti daromas finansines klaidas.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"4_patarimai_biudu017eeto_planavimui\">4 patarimai biud\u017eeto planavimui!<\/h3><li><p><strong>Lyginkite faktines i\u0161laidas su nustatytu biud\u017eetu.<\/strong><\/p>\n<p>Jei biud\u017eeto suma (teorijoje ir praktikoje) nesutampa, per\u017evelkite visas tur\u0117tas i\u0161laidas ir atsakykite \u012f klausimus \u2013 kod\u0117l i\u0161leidote daugiau\/ma\u017eiau ir ar tai buvo b\u016btina? Pagal tai pakoreguokite savo sudaryt\u0105 biud\u017eet\u0105.<\/p>\n<\/li><li><p><strong>Jei sekasi, taupykite.<\/strong><\/p>\n<p>Jei jums lieka daugiau pinig\u0173 nei tik\u0117jot\u0117s, \u0161aunu! Taupykite juos- nefinansuokite sen\u0173 klaid\u0173, nes i\u0161 j\u0173 tuos pinigus ir sutaup\u0117te.<\/p>\n<\/li><li><p><strong>Venkite nenumatyt\u0173 i\u0161laid\u0173.<\/strong><\/p>\n<p>Jei staiga atsirado netik\u0117t\u0173 i\u0161laid\u0173, pasistenkite neimti pinig\u0173 i\u0161 savo taupomosios s\u0105skaitos. Pabandykite \u201esusispausti\u201c ir i\u0161spr\u0119sti problem\u0105 su turimais pinigais. <\/p>\n<\/li><li><p><strong>Auginkite pajamas.<\/strong><\/p>\n<p>Jei norite padidinti savo pajamas ir pagerinti savo asmeninius finansus, galb\u016bt jau at\u0117jo laikas leistis \u012f derybas su darbdaviu d\u0117l algos pak\u0117limo?<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Metinis_ar_mnesinis_biudetas\"><strong>Metinis ar m\u0117nesinis biud\u017eetas?<\/strong><\/h2>\n\n\n\n<p>Kaip reik\u0117t\u0173 planuoti biud\u017eet\u0105 \u2013 kas m\u0117nes\u012f ar kas metus?<\/p>\n\n\n\n<p>Financer.com rekomenduoja sudaryti abu biud\u017eetus. Pirmiausia suplanuokite metin\u012f biud\u017eet\u0105, kuriame b\u016bt\u0173 nurodytos visos j\u016bs\u0173 pajamos ir i\u0161laidos, tada suskirstykite savo biud\u017eet\u0105 m\u0117nesiais. <\/p>\n\n\n\n<p>Tokiu b\u016bdu j\u016bs gal\u0117site lengviau kontroliuoti savo pajamas ir i\u0161laidas bei i\u0161likti stabilioje ekonomin\u0117je situacijoje.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"author":100,"featured_media":29782,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[41],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/990"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/comments?post=990"}],"version-history":[{"count":50,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/990\/revisions"}],"predecessor-version":[{"id":81447,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/990\/revisions\/81447"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/29782"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}