Source.<\/p>\n
Inform\u0101ciju sagatavoja Laura J\u0113gere, “Bigbank Latvija” m\u0101rketinga noda\u013cas vad\u012bt\u0101ja.<\/p>\n
Lai aizbrauktu ce\u013cojum\u0101, j\u0101\u0146em kred\u012bts? T\u0101du izv\u0113li vismaz vienreiz izdar\u012bjis katrs sept\u012btais Latvijas iedz\u012bvot\u0101js, liecina “Norstat” aptaujas rezult\u0101ti. Ta\u010du past\u0101v v\u0113l citi risin\u0101jumi. Ar p\u0101rdom\u0101tu pieeju un pareizu finan\u0161u r\u012bku izv\u0113li iesp\u0113jams \u012bstenot iecer\u0113to braucienu ar\u012b tad, ja iekr\u0101t visu nepiecie\u0161amo summu nav izdevies.<\/p>\n
Aptauja, kas veikta p\u0113c “Bigbank” pas\u016bt\u012bjuma, atkl\u0101j, ka aptuveni 7% iedz\u012bvot\u0101ju ce\u013cojuma t\u0113ri\u0146u apmaksai pat\u0113ri\u0146a kred\u012btu ir izmantoju\u0161i vienu reizi, savuk\u0101rt apm\u0113ram 8% \u0161im nol\u016bkam ir aiz\u0146\u0113mu\u0161ies divas vai vair\u0101k reizes. Vienlaikus aptuveni divas piektda\u013cas aptauj\u0101to uzskata, ka nauda ce\u013cojumam j\u0101sakr\u0101j pa\u0161iem un ka aiz\u0146\u0113mums \u0161\u0101dam nol\u016bkam rad\u012bs lieku stresu un riskus.<\/p>\n
Vai ce\u013cojums tie\u0161\u0101m j\u0101atliek?<\/p>\n
“No vienas puses – sakr\u0101t naudu vid\u0113ji d\u0101rgam ce\u013cojumam var. P\u0113c Centr\u0101l\u0101s statistikas p\u0101rvaldes datiem Latvijas iedz\u012bvot\u0101jiem viena diena daudzdienu ce\u013cojumos \u0101rvalst\u012bs p\u0113rn izmaks\u0101jusi 104,4 eiro dien\u0101, vid\u0113j\u0101 daudzdienu ce\u013cojuma summa bijusi 573,5 eiro. No otras puses – dz\u012bv\u0113 var notikt da\u017e\u0101di, un ce\u013cojumiem atv\u0113l\u0113tie l\u012bdzek\u013ci var b\u016bt nepiecie\u0161ami citiem nol\u016bkiem,” st\u0101sta “Bigbank” Latvijas fili\u0101les vad\u012bt\u0101js Edgars Surgofts. Vi\u0146\u0161 gan nor\u0101da – kopum\u0101 redzams, ka cilv\u0113ki atrod risin\u0101jumus, k\u0101 sam\u0113rot savas finan\u0161u iesp\u0113jas ar v\u0113lmi ce\u013cot.<\/p>\n
Aptauja liecina, ka gad\u012bjum\u0101, ja pirms pl\u0101not\u0101 ce\u013cojuma finanses nav stabilas, aptuveni katrs otrais (53%) izv\u0113l\u0113tos atlikt ce\u013cojumu, l\u012bdz finan\u0161u situ\u0101cija stabiliz\u0113jas. Katrs ceturtais (28%) mekl\u0113tu l\u0113t\u0101kas alternat\u012bvas vai sa\u012bsin\u0101tu brauciena laiku, savuk\u0101rt 16% par pie\u0146emamu uzskat\u012btu nelielu un p\u0101rdom\u0101tu aizdevumu ce\u013co\u0161anas vajadz\u012bb\u0101m. V\u0113l aptuveni 8% aptauj\u0101to k\u0101 risin\u0101jumu izv\u0113l\u0113tos kred\u012btkarti, lai izt\u0113r\u0113tos l\u012bdzek\u013cus atmaks\u0101tu v\u0113l\u0101k.<\/p>\n
Pirms atv\u0113z\u0113ties aiz\u0146\u0113mumam, der apsv\u0113rt da\u017eus “knifus”, kas var pal\u012bdz\u0113t samazin\u0101t t\u0113ri\u0146us jau sakn\u0113!<\/p>\n
Da\u017ek\u0101rt m\u0101jokli iesp\u0113jams rezerv\u0113t bez priek\u0161apmaksas<\/p>\n
Tas var pras\u012bt laiku, ta\u010du ir v\u0113rts sal\u012bdzin\u0101t da\u017e\u0101das m\u0101jok\u013cu opcijas noskat\u012btaj\u0101 atp\u016btas viet\u0101, piem\u0113ram, “Airbnb”, tie\u0161o rezerv\u0101ciju viesn\u012bc\u0101 vai “Booking.com”. Turkl\u0101t j\u0101atceras, ka “Booking.com” gad\u012bjum\u0101 cenas mobilaj\u0101 lietotn\u0113 var at\u0161\u0137irties no darbvirsmas versijas, t\u0101pat “Booking.com” var b\u016bt opcijas, kad ir iesp\u0113ja rezerv\u0113t noskat\u012bt\u0101s naktsm\u012btnes, bet maks\u0101t taj\u0101s uz vietas vai neilgi pirms datuma, kad pl\u0101nots ierasties. Tas dod iesp\u0113ju sakr\u0101t konkr\u0113to summu.<\/p>\n
Nereti tie\u0161i naktsm\u012btnei tiek t\u0113r\u0113ts visvair\u0101k, t\u0101p\u0113c, ja brauciena laik\u0101 ir pl\u0101nots main\u012bt atra\u0161an\u0101s vietas, tad var izskat\u012bt iesp\u0113ju ce\u013cot nakt\u012b, piem\u0113ram, ar vilcienu vai autobusu, un gul\u0113t transporta l\u012bdzekl\u012b.<\/p>\n
Izv\u0113lies t\u0101das naktsm\u012btnes, kas ir maksim\u0101li tuvu viet\u0101m, kur pl\u0101no doties<\/p>\n
Ja visas pl\u0101not\u0101s apskates vietas ir vair\u0101k izvietotas pils\u0113tas centr\u0101, tad izdev\u012bg\u0101k var b\u016bt naktsm\u012btnes izv\u0113l\u0113ties centr\u0101, t\u0101 samazinot t\u0113ri\u0146us par transportu. T\u0101p\u0113c, pirms izv\u0113l\u0113ties \u0161\u0137ietami l\u0113t\u0101ku m\u0101jokli \u0101rpus centra, der noskaidrot, k\u0101das ir pl\u0101not\u0101 transporta cenas un apr\u0113\u0137in\u0101t starp\u012bbu.<\/p>\n
Apsver iesp\u0113ju ce\u013cot tikai ar rokas bag\u0101\u017eu<\/p>\n
Re\u0123istr\u0113t\u0101 bag\u0101\u017ea gan maks\u0101 papildus, gan ar\u012b bie\u017ei vien rada papildu stresu (ilga gaid\u012b\u0161ana, t\u0101 var tikt nozaud\u0113ta un t\u0101 joproj\u0101m), t\u0101p\u0113c t\u0113ri\u0146u taup\u012b\u0161anas nol\u016bk\u0101 der izm\u0113\u0123in\u0101t ce\u013cot tikai ar rokas bag\u0101\u017eu.<\/p>\n
Izaicin\u0101jumu m\u0113dz rad\u012bt uzskats, ka visu ta\u010du vajag l\u012bdzi. \u0160eit lietder\u012bgi var b\u016bt ieteikumi, k\u0101 da\u017e\u0101das mantas rokas bag\u0101\u017eas izm\u0113ra kofer\u012b sak\u0101rtot iesp\u0113jami efekt\u012bv\u0101k: https:\/\/www.youtube.com\/watch?v=slq23yeGZHM.<\/p>\n
Der izv\u0113l\u0113ties ar\u012b t\u0101das naktsm\u012btnes, kur ir iesp\u0113ja izmazg\u0101t un p\u0113c vajadz\u012bbas izgludin\u0101t ap\u0123\u0113rbu, kas samazina vajadz\u012bbu \u0146emt l\u012bdzi daudz ap\u0123\u0113rba un attiec\u012bgi ar\u012b liel\u0101ku koferi.<\/p>\n
Izv\u0113lies apskates vietas bez ieejas maksas<\/p>\n
Pirms doties uz noteiktu valsti, v\u0113rts izp\u0113t\u012bt, k\u0101das apskates vai izklaides vietas ir pieejamas bez maksas. Ir muzeji vai parki, kas noteikt\u0101s dien\u0101s ir atv\u0113rti pla\u0161ai publikai par br\u012bvu, savuk\u0101rt, bazn\u012bcas m\u0113dz b\u016bt pieejamas dien\u0101s, kad taj\u0101s notiek dievkalpojumi. T\u0101pat pils\u0113t\u0101s ir da\u017e\u0101di notikumi un sv\u0113tki, \u012bpa\u0161i vasar\u0101.<\/p>\n
Ja dod priek\u0161roku muzejiem, tad noteikti der izp\u0113t\u012bt, vai konkr\u0113taj\u0101 valst\u012b vai pils\u0113t\u0101 ir pieejamas t\u0101 d\u0113v\u0113t\u0101s muzeju kartes, kas \u013cauj, samaks\u0101jot noteiktu naudas summu, noteikt\u0101 laika period\u0101 apmekl\u0113t vair\u0101kus muzejus. \u0160\u012bs kartes var b\u016bt izdev\u012bg\u0101kas nek\u0101 bi\u013cetes uz katru muzeju atsevi\u0161\u0137i.<\/p>\n
Starp citu, cen\u0101 izdev\u012bgus un interesantus, bie\u017ei vien ar\u012b viet\u0113jo cilv\u0113ku vad\u012btus notikumus un ekskursijas var atrast ar\u012b “Airbnb”. Dodoties uz konkr\u0113to valsti, ieskaties “Airbnb” sada\u013c\u0101 “Experiences”. Cita noder\u012bga platforma ir “Tripadvisor”. J\u0101piebilst, ka noteikti vajag ar\u012b palas\u012bt atsauksmes, pirms izv\u0113l\u0113ties savu piedz\u012bvojumu.<\/p>\n
Izveido “malt\u012b\u0161u strat\u0113\u0123iju”<\/p>\n
Viet\u0113j\u0101 p\u0101rtika un malt\u012btes ir viena no b\u016btisk\u0101kaj\u0101m ce\u013co\u0161anas pieredz\u0113m, ta\u010du vienlaikus t\u0101s m\u0113dz ar\u012b rad\u012bt slodzi maci\u0146am. T\u0101p\u0113c pirms do\u0161an\u0101s ce\u013c\u0101, pirmk\u0101rt, ieteicams atv\u0113l\u0113t bud\u017eetu \u0113\u0161anai, otrk\u0101rt, noteikt strat\u0113\u0123iju, kas \u013caus nep\u0101rt\u0113r\u0113ties – piem\u0113ram, vienu reizi dien\u0101 vai div\u0101s dien\u0101s doties uz k\u0101du “trend\u012bg\u0101ku” vai izteikti viet\u0113j\u0101s pieredzes restor\u0101nu, kur par \u0113dienu t\u0113r\u0113siet vair\u0101k. Savuk\u0101rt p\u0101r\u0113j\u0101s \u0113dienreizes saglab\u0101t vienk\u0101r\u0161as – gatavot pa\u0161am, \u0113st brokastis viesn\u012bc\u0101, pa dienu \u0146emt l\u012bdzi iepriek\u0161 sagatavotas uzkodas un taml\u012bdz\u012bgi.<\/p>\n
Izv\u0113le atp\u016btu “sponsor\u0113t” ar aiz\u0146emtiem l\u012bdzek\u013ciem. Kas j\u0101\u0146em v\u0113r\u0101?<\/p>\n
\u0160\u0101ds solis j\u0101izv\u0113rt\u0113 r\u016bp\u012bgi. Pirmk\u0101rt, j\u0101atceras, ka visi kred\u012btu maks\u0101jumi nedr\u012bkst p\u0101rsniegt 40% no ikm\u0113ne\u0161a ien\u0101kumiem. T\u0101tad vispirms j\u0101p\u0101rliecin\u0101s par savu maks\u0101tsp\u0113ju, turkl\u0101t ar\u012b ilgtermi\u0146\u0101. Diem\u017e\u0113l gada siltie m\u0113ne\u0161i Latvij\u0101 nav gari, apkures sezona vairs nav aiz kalniem, un pakalpojumu sniedz\u0113ji jau ir br\u012bdin\u0101ju\u0161i par tarifu pieaugumu.<\/p>\n
Otrk\u0101rt, noteikti j\u0101sal\u012bdzina gada procentu likmes jeb GPL da\u017e\u0101diem pakalpojumu sniedz\u0113jiem, lai p\u0101rliecin\u0101tos, ka tie\u0161\u0101m tiek izmantots izdev\u012bg\u0101kais pied\u0101v\u0101jums. Atbilsto\u0161i Latvijas Bankas public\u0113tajam apkopojumam par GPL pat\u0113ri\u0146a eiro kred\u012btiem rezidentu m\u0101jsaimniec\u012bb\u0101m \u0161\u0101 gada maij\u0101, sal\u012bdzinot ar 2024.gada decembri, GPL ir samazin\u0101jusies par 14,64%. Tas noz\u012bm\u0113, ka finan\u0161u iest\u0101des akt\u012bvi konkur\u0113 un noteikti ir v\u0113rts sal\u012bdzin\u0101t vair\u0101kus pakalpojumu sniedz\u0113jus un to pied\u0101v\u0101jumus.<\/p>\n
Tre\u0161k\u0101rt, j\u0101apdom\u0101, kur\u0161 finan\u0161u instruments b\u016bs izdev\u012bg\u0101ks un piem\u0113rot\u0101ks taviem m\u0113r\u0137iem. Atceries, ka pat\u0113ri\u0146a kred\u012bts noz\u012bm\u0113, ka cilv\u0113ka kont\u0101 tiek ieskait\u012bta noteikta naudas summa un par \u0161o aiz\u0146\u0113mumu b\u016bs j\u0101maks\u0101 noteikti ikm\u0113ne\u0161a maks\u0101jumi atbilsto\u0161i grafikam, kas nosl\u0113gts starp kred\u012btdev\u0113ju un kred\u012bt\u0146\u0113m\u0113ju. Pat\u0113ri\u0146a kred\u012bta summa var b\u016bt no da\u017eiem simtiem l\u012bdz vair\u0101kiem desmitiem t\u016bksto\u0161u eiro.<\/p>\n
Past\u0101v ar\u012b citi varianti<\/p>\n
Ar\u012b kred\u012btkarte ir pat\u0113ri\u0146a kred\u012bta veids, ta\u010du tai var b\u016bt zin\u0101mas priek\u0161roc\u012bbas. Piem\u0113ram, procenti ir j\u0101maks\u0101 tikai par izlietoto kred\u012bta da\u013cu. Tie neb\u016bs j\u0101maks\u0101, ja aizdevums tiek atgriezts t.s. bezprocentu period\u0101. Parasti bezprocentu periods ir 20 – 50 dienas.<\/p>\n
Finan\u0161u iest\u0101des kop\u0101 ar kred\u012btkart\u0113m bie\u017ei vien pied\u0101v\u0101 apdro\u0161in\u0101\u0161anu, un, k\u0101 liecina “Bigbank” klientu aptaujas vis\u0101s Baltijas valst\u012bs, cilv\u0113kiem \u0161is ir \u013coti b\u016btisks apsv\u0113rums. T\u0101pat bie\u017ei vien kred\u012btkartes ir nepiecie\u0161amas, lai rezerv\u0113tu noteiktus pakalpojumus, piem\u0113ram, auto nomu. T\u0101pat t\u0101 var lieti noder\u0113t papildu dro\u0161\u012bbai, lai da\u017e\u0101d\u0101s interneta vietn\u0113s neb\u016btu j\u0101uzr\u0101da sava pamata nor\u0113\u0137inu jeb algas karte.<\/p>\n
Lai kred\u012btkartes izmanto\u0161ana nerad\u012btu liekas galvass\u0101pes, ir r\u016bp\u012bgi j\u0101p\u0101rdom\u0101, vai izmantoto finans\u0113jumu atmaks\u0101siet bezprocentu period\u0101 vai ar\u012b pak\u0101peniski un k\u0101 tas ietekm\u0113s kop\u0113jos ikm\u0113ne\u0161a izdevumus. J\u0101\u0146em v\u0113r\u0101, ka procenti par kartes kred\u012btlimita izmanto\u0161anu b\u016bs augst\u0101ki nek\u0101 pat\u0113ri\u0146a kred\u012btam.<\/p>\n
Izv\u0113le aiz\u0146emties noz\u012bm\u0113 lielu atbild\u012bbu. Tas ir solis, kam j\u0101pieiet ar \u012bpa\u0161i lielu r\u016bp\u012bbu. J\u0101atceras, ka visas kred\u012btsaist\u012bbas un maks\u0101jumu kav\u0113jumi tiek apkopoti Latvijas Bankas kred\u012btu re\u0123istr\u0101. Ja laic\u012bgi sakr\u0101t l\u012bdzek\u013cus k\u0101rotajam braucienam tom\u0113r nav izdevies, v\u0113rts padom\u0101t par risin\u0101jumiem, k\u0101 ce\u013cot gudr\u0101k. Izdarot \u0161o izv\u0113li p\u0101rdom\u0101ti un atbild\u012bgi, iesp\u0113jams \u012bstenot pl\u0101nus, kas cit\u0101di ietu secen, t\u0101 piedz\u012bvojot jaunus un pat\u012bkamus mirk\u013cus, kas noteikti paliks atmi\u0146\u0101.<\/p>\n
Par “Bigbank”<\/p>\n
“Bigbank” AS ir Igaunijas banka, kas izv\u0113rsusi darb\u012bbu \u0101rpus Igaunijas, izveidojot fili\u0101les Somij\u0101, Zviedrij\u0101, Latvij\u0101, Lietuv\u0101, Bulg\u0101rij\u0101, k\u0101 ar\u012b pied\u0101v\u0101jot p\u0101rrobe\u017eu pakalpojumus Austrij\u0101, V\u0101cij\u0101 un N\u012bderland\u0113. Uz\u0146\u0113mumu vada grupas valdes loceklis Martins Lants. Vald\u0113 darbojas ar\u012b Marts Veskimagi, Argo Kiltsmans, Kens Kanariks un Ingo Poders.<\/p>","protected":false},"excerpt":{"rendered":"
Avots: Leta Inform\u0101ciju sagatavoja Laura J\u0113gere, “Bigbank Latvija” m\u0101rketinga noda\u013cas vad\u012bt\u0101ja. Lai aizbrauktu ce\u013cojum\u0101, j\u0101\u0146em kred\u012bts? T\u0101du izv\u0113li vismaz vienreiz izdar\u012bjis katrs sept\u012btais Latvijas iedz\u012bvot\u0101js, liecina “Norstat” aptaujas rezult\u0101ti. Ta\u010du past\u0101v v\u0113l citi risin\u0101jumi. Ar p\u0101rdom\u0101tu pieeju un pareizu finan\u0161u r\u012bku izv\u0113li iesp\u0113jams \u012bstenot iecer\u0113to braucienu ar\u012b tad, ja iekr\u0101t visu nepiecie\u0161amo summu nav izdevies. […]<\/p>\n","protected":false},"author":20,"featured_media":286385,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"post_subheading":"","post_intro_title":"","post_intro_text":"","post_1_gallery":[],"post_main_content":"","post_banner_title":"","post_banner_text":"","post_source":"","post_faq":[],"post_toc":[],"post_conversion_block":"","post_ai_summary":"","footnotes":""},"categories":[398],"tags":[895,889,694],"country":[],"class_list":["post-286384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jaunumi","tag-jaunumi","tag-leta","tag-turisms"],"_links":{"self":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/286384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/comments?post=286384"}],"version-history":[{"count":0,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/286384\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/media?parent=286384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/categories?post=286384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/tags?post=286384"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/country?post=286384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}