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Oprocz naszej zlotej zasady 10% (o ktorej mozecie przeczytac tutaj), za pomoca serwisu Budzet Domowy promujemy rowniez zasade 90% za 50%. Zasada 90 za 50 sprowadza sie do kupowania dziewiecdziesieciu procent relatywnej wartosci danego dobra za umowna polowe ceny. Co to oznacza?

Jest to sposob podejmowania decyzji o zakupach, ktory da sie z powodzeniem zastosowac do kazdego rodzaju zakupu jaki dokonujecie w swoim domowym budzecie. Zasada dotyczyc moze zarowno dobr trwalego uzytku, powiedzmy zakupu nowgo samochodu, jak rowniez i codziennych wydatkow takich jak zywnosc. Zasade 90 za 50 mozna najprosciej sprowadzic do subiektywnej oceny realnej przydatnosci danego dobra, w ktorej kierujemy sie kompromisem w ramach ktorego zgadzamy sie kupic cos co odpowiadac bedzie 90% naszych oczekiwan (lub naszego zapotrzebowania) za 50% ceny.

Idealnym przykladem na zilustrowanie tej zasady jest wlasnie zakup samochodu. Zakladamy ze nowy samochod reprezentuje 100% wartosci wedlug przydatnosci do celow dla ktorych kupujemy nowe auto. Wiemy rowniez ze ten sam samochod z niewielkim przebiegiem, ktory mozemy kupic z drugiej reki, najpewniej bedzie prawie tak samo dobry, prawie tak samo sprawny, zawiezie nas do pracy, nawet jezeli uzywany samochod nie jest dokladnie nowy i nie posiada najnowszego systemu klimatyzacji lub elektrycznie sterowanych lusterek. Taki umowny uzywany samochod reprezentuje jednak 90% wartosci (poniewaz jest w pelni uzyteczny), przy czym jest dostepny zazwyczaj za prawie 50% ceny nowego, najnowszego modelu samochodu.

Oznacza zatem ze "sprawnosc" zakupu takiego umownego uzywanego samochodu moze reprezentowac znacznie wieksza sprawnosc dla naszego portfela. To jest wlasnie pragmatyczne podejscie do zakupow. Odpowiadamy sobie na pytanie nie co chcemy kupic, ale jaka dokladnie uzytecznosc kupujemy. Jest wiele dobr, produktow i uslug ktore reprezentuja idealnie ta sama uzytecznosc (np. Uzytecznosc jako srodek transportu), ale ktore sprzedawane sa w calej gamie, kolorow, wersji i cen.

Budżet Domowy
Zarządzanie finansami online
http://www.budzetdomowy.pl

Odp: Reguła kupowania 90%

Czytam was i czytam i powiem szczerze, że zaczynam się wkręcać w oszczędzanie. Przykład z samochodem - idealny smile

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Odp: Reguła kupowania 90%

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