{"id":103006,"date":"2026-09-14T08:15:53","date_gmt":"2026-09-14T05:15:53","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/?p=103006"},"modified":"2026-09-14T08:15:53","modified_gmt":"2026-09-14T05:15:53","slug":"ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje\/","title":{"rendered":"Ar tikrai galiu sau leisti b\u016bst\u0105? Atsakymo ie\u0161kokite ne tik skai\u010diuokl\u0117je"},"content":{"rendered":"<p><span style=\"font-family: Times New Roman, serif;\">\u201ePrie\u0161 perkant b\u016bst\u0105 svarbu atsakyti ne tik \u012f klausim\u0105, koki\u0105 paskolos sum\u0105 galite gauti, bet ir koki\u0105 \u012fmok\u0105 gal\u0117tum\u0117te stabiliai ir saugiai mok\u0117ti. Reik\u0117t\u0173 \u012fsivertinti pajamas, turimus \u012fsipareigojimus, santaupas, b\u016bsim\u0105 finansin\u012f rezerv\u0105 ir tai, kaip paskola paveikt\u0173 kasdien\u012f gyvenim\u0105. B\u016bstas netur\u0117t\u0173 tapti sprendimu, d\u0117l kurio \u017emogus nuolat gyvena \u012ftampoje\u201c, \u2013 sako L. \u017dukov\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\"><b>Nerimas neb\u016btinai yra blogas \u017eenklas<\/b><\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">Psicholog\u0117s J. Kriukelyt\u0117s teigimu, nerimas prie\u0161 perkant b\u016bst\u0105 gali b\u016bti naudingas, jei paskatina atsakingai \u012fvertinti rizikas, rinkti informacij\u0105, skai\u010diuoti, konsultuotis ir lyginti skirtingus variantus. Vis d\u0117lto, jei \u017emogus jau turi pakankamai informacijos, ta\u010diau sprendim\u0105 vis tiek nuolat atideda, verta sav\u0119s paklausti, ar j\u012f vis dar stabdo finansin\u0117 logika, ar veikiau baim\u0117 suklysti.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eJei, nepaisant surinktos informacijos ir objektyviai ger\u0173 galimybi\u0173, sprendimas nuolat atidedamas, ie\u0161koma vis nauj\u0173 prie\u017eas\u010di\u0173 laukti, o kiekvienas atsakymas sukelia dar daugiau klausim\u0173, tik\u0117tina, kad sprendim\u0105 stabdo ne finansin\u0117 logika, o baim\u0117. Bijoma patirti nes\u0117km\u0119, padaryti klaid\u0105, nusivilti savimi d\u0117l priimto sprendimo. Taip pat baim\u0119 gali kelti ilgalaikis finansinis \u012fsipareigojimas ar tai, jog tapsi priklausomas nuo banko, darbdavio ir pan. Tod\u0117l kartais neveikimas atrodo saugesnis nei rizika suklysti\u201c, \u2013 sako J. Kriukelyt\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\"><b>Kai faktus pakei\u010dia blogiausi scenarijai<\/b><\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">Vienas \u017eenkl\u0173, kad nerimas ima trukdyti objektyviai vertinti situacij\u0105 \u2013 sprendim\u0105 pradeda lemti ne faktai, o blogiausi \u012fmanomi scenarijai. Rizikas apsvarstyti b\u016btina, ta\u010diau jos netur\u0117t\u0173 tapti vieninteliu argumentu nieko nekeisti.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eNerimas pradeda trukdyti objektyviai vertinti situacij\u0105 tada, kai \u017emogus ima remtis ne faktais, o katastrofiniais scenarijais: \u201eo jeigu neteksiu darbo\u201c, \u201eo jeigu kainos kris\u201c, \u201eo jeigu padarysiu did\u017eiausi\u0105 gyvenimo klaid\u0105\u201c. Nors tokius scenarijus taip pat reikia apsvarstyti, svarbu, kad katastrofizavimas netaptu vieninteliu motyvu\u201c, \u2013 sako psicholog\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">L. \u017dukov\u0117s teigimu, prie\u0161 priimant sprendim\u0105 verta ne tik pasitikrinti, ar bankas gal\u0117t\u0173 suteikti paskol\u0105, bet ir pa\u010diam \u012fsivertinti, kaip \u012fmoka atrodyt\u0173 kasdienyb\u0117je. B\u016bsto biud\u017eete tur\u0117t\u0173 atsirasti ne tik pradinis \u012fna\u0161as ir m\u0117nesio \u012fmoka, bet ir komunalin\u0117s i\u0161laidos, draudimas, turto vertinimas, notaro mokes\u010diai, \u012frengimas, remontas bei finansinis rezervas.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eDa\u017ena klaida \u2013 planuoti b\u016bst\u0105 pagal did\u017eiausi\u0105 teori\u0161kai galim\u0105 paskolos sum\u0105. Ta\u010diau saugesnis kelias yra skai\u010diuoti nuo m\u0117nesio \u012fmokos, kuri\u0105 \u017emogus gal\u0117t\u0173 mok\u0117ti neatsisakydamas b\u016btin\u0173j\u0173 i\u0161laid\u0173 ir nelikdamas be santaup\u0173. Bankas vertina kliento galimybes atsakingai, bet ir pa\u010diam \u017emogui svarbu suprasti, kokia \u012fmoka jam b\u016bt\u0173 ne tik galima, bet ir komforti\u0161ka\u201c, \u2013 pa\u017eymi \u201eLuminor\u201c banko ekspert\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\"><b>Ai\u0161kus planas padeda atgauti kontrol\u0119<\/b><\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">Ai\u0161kus finansinis planas gali suma\u017einti emocin\u0119 \u012ftamp\u0105, nes miglot\u0105 baim\u0119 pakei\u010dia konkret\u016bs skai\u010diai ir veiksmai. Pasak J. Kriukelyt\u0117s, svarbu apgalvoti ne tik palankiausi\u0105 scenarij\u0173, bet ir tai, k\u0105 \u017emogus daryt\u0173 susid\u016br\u0119s su sunkumais.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eAi\u0161kus planas stiprina \u017emogaus kompetencijos ir kontrol\u0117s jausm\u0105. Kai \u017emogus tik miglotai \u012fsivaizduoja savo finansines galimybes, vaizduot\u0117 da\u017enai u\u017epildo spragas pa\u010diais blogiausiais scenarijais. Konkret\u016bs skai\u010diai, konsultacijos su banko ar finans\u0173 specialistais ir objektyvus savo biud\u017eeto \u012fvertinimas leid\u017eia emocijas papildyti faktais. Tai nerei\u0161kia, kad nerimas i\u0161nyks, ta\u010diau jis taps ai\u0161kesnis ir tokiu b\u016bdu kontroliuojamas\u201c, \u2013 sako psicholog\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">Praktikoje tai rei\u0161kia kelis scenarijus: kaip biud\u017eetas atrodyt\u0173 \u0161iandien, kiek laiko santaup\u0173 pakakt\u0173 laikinai suma\u017e\u0117jus pajamoms ir kokia paskolos \u012fmoka leist\u0173 i\u0161laikyti finansin\u012f rezerv\u0105.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\"><b>B\u016bstas n\u0117ra tik finansinis sprendimas<\/b><\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">B\u016bsto pirkimas palie\u010dia ne tik pajamas ar paskolos s\u0105lygas. Pasak psicholog\u0117s, nuosavas b\u016bstas daugeliui tampa savaranki\u0161kumo, saugumo, pasiekim\u0173 ar naujo gyvenimo etapo simboliu, tod\u0117l sprendimui \u012ftakos gali tur\u0117ti ir \u0161eimos istorija, visuomen\u0117s l\u016bkes\u010diai ar noras jaustis \u201esusitvarkius gyvenim\u0105\u201c.\u00a0<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eB\u016bstas \u017emogui rei\u0161kia kur kas daugiau nei nekilnojam\u0105j\u012f turt\u0105. Tai susij\u0119 su vienu svarbiausi\u0173 \u017emogaus poreiki\u0173 \u2013 saugumu, priklausymu ir vietos pasaulyje k\u016brimu. Finansinis \u012fsipareigojimas yra tik viena emocinio kr\u016bvio dalis. Kartu veikia ir simbolin\u0117 reik\u0161m\u0117: nuosavi namai da\u017enai suvokiami kaip suaugusio, savaranki\u0161ko \u017emogaus \u017eenklas. Daugelis \u017emoni\u0173 yra per\u0117m\u0119 \u0161eimos ar visuomen\u0117s \u012fsitikinim\u0105, kad tam tikrame am\u017eiuje \u201ereikia tur\u0117ti savo b\u016bst\u0105\u201c. Tuomet sprendimas tampa ne tik finansinis, bet ir susij\u0119s su savo verte bei s\u0117km\u0117s vertinimu\u201c, \u2013 teigia J. Kriukelyt\u0117.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">L. \u017dukov\u0117s teigimu, nepaisant to, planuojant b\u016bst\u0105 svarbu atsiremti ne \u012f aplinkini\u0173 spaudim\u0105 ar palyginimus, o \u012f reali\u0105 asmenin\u0119 situacij\u0105. Vienam \u017emogui tinkamas sprendimas gali b\u016bti pirkti dabar, kitam \u2013 dar kur\u012f laik\u0105 taupyti, ma\u017einti turimus \u012fsipareigojimus ar rinktis kuklesn\u012f pirm\u0105j\u012f b\u016bst\u0105.<\/span><\/p>\n<p><span style=\"font-family: Times New Roman, serif;\">\u201eSvarbiausia, kad sprendimas b\u016bt\u0173 pagr\u012fstas ne baime atsilikti nuo kit\u0173, o ai\u0161kiu supratimu, k\u0105 galite sau leisti \u0161iandien ir kaip tai paveiks j\u016bs\u0173 finansin\u012f saugum\u0105 ateityje. B\u016bsto paskola yra ilgalaikis \u012fsipareigojimas, tod\u0117l ramiau jaustis padeda ne tobulo momento laukimas, o ai\u0161kus planas, finansinis rezervas ir s\u0105\u017einingas savo galimybi\u0173 \u012fsivertinimas\u201c, \u2013 apibendrina L. \u017dukov\u0117.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201ePrie\u0161 perkant b\u016bst\u0105 svarbu atsakyti ne tik \u012f klausim\u0105, koki\u0105 paskolos sum\u0105 galite gauti, bet ir koki\u0105 \u012fmok\u0105 gal\u0117tum\u0117te stabiliai ir saugiai mok\u0117ti. Reik\u0117t\u0173 \u012fsivertinti pajamas, turimus \u012fsipareigojimus, santaupas, b\u016bsim\u0105 finansin\u012f rezerv\u0105 ir tai, kaip paskola paveikt\u0173 kasdien\u012f gyvenim\u0105. B\u016bstas netur\u0117t\u0173 tapti sprendimu, d\u0117l kurio \u017emogus nuolat gyvena \u012ftampoje\u201c, \u2013 sako L. \u017dukov\u0117. Nerimas neb\u016btinai [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":103007,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3873],"tags":[],"class_list":["post-103006","post","type-post","status-publish","format-standard","has-post-thumbnail","category-elta"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ar tikrai galiu sau leisti b\u016bst\u0105? Atsakymo ie\u0161kokite ne tik skai\u010diuokl\u0117je - \u0160ilut\u0117s naujienos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.silutesnaujienos.lt\/lt\/ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ar tikrai galiu sau leisti b\u016bst\u0105? Atsakymo ie\u0161kokite ne tik skai\u010diuokl\u0117je - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"\u201ePrie\u0161 perkant b\u016bst\u0105 svarbu atsakyti ne tik \u012f klausim\u0105, koki\u0105 paskolos sum\u0105 galite gauti, bet ir koki\u0105 \u012fmok\u0105 gal\u0117tum\u0117te stabiliai ir saugiai mok\u0117ti. Reik\u0117t\u0173 \u012fsivertinti pajamas, turimus \u012fsipareigojimus, santaupas, b\u016bsim\u0105 finansin\u012f rezerv\u0105 ir tai, kaip paskola paveikt\u0173 kasdien\u012f gyvenim\u0105. B\u016bstas netur\u0117t\u0173 tapti sprendimu, d\u0117l kurio \u017emogus nuolat gyvena \u012ftampoje\u201c, \u2013 sako L. \u017dukov\u0117. Nerimas neb\u016btinai [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.silutesnaujienos.lt\/lt\/ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0160ilut\u0117s naujienos\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/silutes.naujienos\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-14T05:15:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.silutesnaujienos.lt\/lt\/wp-content\/uploads\/2026\/09\/elta.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1470\" \/>\n\t<meta property=\"og:image:height\" content=\"981\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0160ilut\u0117s naujien\u0173 inf.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/ar-tikrai-galiu-sau-leisti-busta-atsakymo-ieskokite-ne-tik-skaiciuokleje\\\/\"},\"author\":{\"name\":\"\u0160ilut\u0117s naujien\u0173 inf.\",\"@id\":\"https:\\\/\\\/www.silutesnaujienos.lt\\\/lt\\\/#\\\/schema\\\/person\\\/976440ef837444400af3c77c19c61454\"},\"headline\":\"Ar tikrai galiu sau leisti b\u016bst\u0105? 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