{"id":15633,"date":"2014-10-15T06:00:00","date_gmt":"2014-10-15T08:00:00","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/kaip-prisijaukinti-eura\/"},"modified":"2014-10-15T06:00:00","modified_gmt":"2014-10-15T08:00:00","slug":"kaip-prisijaukinti-eura","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/kaip-prisijaukinti-eura\/","title":{"rendered":"Kaip \u201eprisijaukinti\u201c eur\u0105?"},"content":{"rendered":"

\"<\/a>Spalio 7 d. \u0160ilut\u0117s rajono savivaldyb\u0117je vyko seminaras, kurio metu Odeta Blo\u017eiene, \u201eSwedbank\u201c Asmenini\u0173 finans\u0173 instituto vadove ir Linas Rubys \u201eSwedbank\u201c vakar\u0173 Lietuvos filialo Verslo bankininkyst\u0117s centro direktorius dalino asmenini\u0173 finans\u0173 valdymo patarimus, aptar\u0117 svarbiausius pasirengimo euro \u012fvedimui veiksmus ir atsakin\u0117jo \u012f visus dalyviams i\u0161kilusius klausimus, susijusius su \u0161alies valiutos keitimu.<\/strong><\/p>\n

Audringa ir karti Lietuvos pinigin\u0117s sistemos poky\u010di\u0173 istorija, kurios metu \u0161imtai t\u016bkstan\u010di\u0173 gyventoj\u0173 prarado savo santaupas, b\u016bsim\u0105j\u012f euro \u012fvedim\u0105 apgaubia nerimo skraiste. Ta\u010diau racional\u016bs argumentai ir euro zonos privalumai ilgainiui abejones tur\u0117t\u0173 i\u0161sklaidyti. Tai parod\u0117 ir eur\u0105 turin\u010di\u0173 Europos kaimyni\u0173 patirtis. Be to, galimiems nesklandumams galima u\u017ekirsti keli\u0105 i\u0161 anksto deramai pasiruo\u0161us bendrosios Europos valiutos \u012fvedimui. \u201eSwedbank\u201c Asmenini\u0173 finans\u0173 ekspertai pateikia receptus, pad\u0117sian\u010dius \u201eprisijaukinti\u201c eur\u0105.<\/p>\n

Prisiminkite: su euru viskas bus kitaip. \u0160i pinigin\u0117 reforma visgi gerokai skirsis nuo anks\u010diau vykusi\u0173j\u0173. Bene did\u017eiausias skirtumas yra \u0161io sprendimo s\u0105moningumas: pinigai kei\u010diami pa\u010dios \u0161alies valia ir siekiant ilgalaik\u0117s ekonomin\u0117s naudos valstybei ir jos gyventojams. Euro \u012fvedimas yra racionalus sprendimas, turint galvoje ilgalaiki\u0173 Lietuvos politini\u0173 ir ekonomini\u0173 tiksl\u0173 orientacij\u0105. Antra \u2013 tai i\u0161 anksto numatytas \u017eingsnis, tad jam buvo kryptingai ruo\u0161tasi nuo pat \u0161alies \u012fstojimo \u012f Europos S\u0105jung\u0105. Pinig\u0173 keitimas vyks pagal eil\u0119 met\u0173 fiksuot\u0105 kurs\u0105, i\u0161 anksto skelbiama tvarka ir u\u017etikrinant pla\u010diai prieinamas visuomen\u0117s informavimo priemones. R\u016bpinamasi ne tik paties valiutos keitimo techniniu procesu, visuomen\u0117s informavimu, bet ir ekonominio suk\u010diavimo prevencija, u\u017ekertant keli\u0105 nepagr\u012fstam kain\u0173 k\u0117limui, kei\u010diant banknotus.<\/p>\n

I\u0161naudokite \u201edvigub\u0173\u201c kain\u0173 laikotarp\u012f. Nors daug kur jau kelet\u0105 m\u0117nesi\u0173 kainos ra\u0161omos ir litais, ir eurais, \u012f pastaruosius neretai kreipiame per ma\u017eai d\u0117mesio. Dabartines etiketes vert\u0117t\u0173 vertinti kaip savoti\u0161k\u0105 \u201eparuo\u0161tuk\u0105\u201c, rodant\u012f, kas bus jau po keli\u0173 m\u0117nesi\u0173. Tad pirkdami, pavyzd\u017eiui, pieno pakel\u012f, pratinkit\u0117s jo kain\u0105 skai\u010diuoti ne litais, o eurais. T\u0105 pat\u012f galima padaryti su m\u0117nesio i\u0161laid\u0173-pajam\u0173 eilut\u0117mis. Jei vedate asmenin\u012f biud\u017eet\u0105, jo sumas verskite eurais.<\/p>\n

Taupykite laik\u0105. Jei turite stambesn\u0119 gryn\u0173j\u0173 pinig\u0173 sum\u0105, dabar yra pats laikas j\u0105 \u012fne\u0161ti \u012f banko s\u0105skait\u0105 \u2013 taip laim\u0117site laiko, kadangi met\u0173 pabaigoje prie bankomat\u0173 susidarys nemenkos eil\u0117s, o ir met\u0173 prad\u017eioje, kai prasid\u0117s lit\u0173 keitimo \u012f eurus bumas, nereik\u0117s keliauti \u012f bankus. Juk pinigai s\u0105skaitoje automati\u0161kai \u201epasivers\u201c europine valiuta.<\/p>\n

I\u0161tu\u0161tinkite taupykles. Smulkios lit\u0173 ir cent\u0173 monetos kit\u0105met gali sukelti galvos skausm\u0105, jei nesp\u0117site u\u017e jas ko nors \u012fsigyti dviej\u0173 valiut\u0173 cirkuliavimo laikotarpiu (nuo sausio 1 iki 15 dienos imtinai) ar anks\u010diau. Ties\u0105 sakant, ver\u010diau daiktus, kuriems taup\u0117te j\u016bs ar j\u016bs\u0173 vaikai, pirkite ar santaupas paaukokite dar iki \u017eiemos \u0161ven\u010di\u0173. Juk sausio prad\u017eioje prekybininkai nesid\u017eiaugs, kad tur\u0117dami gr\u0105\u017e\u0105 mok\u0117ti tik eurais bus u\u017ever\u010diami sunkiai sverian\u010diomis lit\u0173 monetomis.<\/p>\n

Naudokite elektroninius pinigus. \u0160iandien fizinis valiutos pavidalas \u2013 banknotas \u2013 visame pasaulyje turi vis ma\u017eesn\u0119 reik\u0161m\u0119. Lietuvoje net 63 proc. gyventoj\u0173 yra link\u0119 atsiskaityti u\u017e pirkinius ar paslaugas mok\u0117jimo kortele. Mok\u0117jimo kortel\u0117 \u2013 puiki pagalbinink\u0117 siekiant i\u0161vengti valiutos keitimo r\u016bpes\u010di\u0173. Juk kortel\u0117 \u2013 tai ne\u0161iojama prieiga prie j\u016bs\u0173 banko s\u0105skaitos, kurioje litai \u012f eurus pasikeis automati\u0161kai. Kasdien u\u017e pirkinius atsiskaitantys mok\u0117jimo kortele nekaups gryn\u0173j\u0173, kuriuos reik\u0117t\u0173 keisti banko padalinyje 2015-aisiais. Tas pats taikytina ir mok\u0117jimams internetu, tik \u0161iuo atveju reik\u0117t\u0173 \u012fsitikinti, kad perkate saugioje ir patikimoje el. parduotuv\u0117je.<\/p>\n

Tvarkykite reikalus interneto banke. Net jei ir neturite sukaup\u0119 didesni\u0173 sum\u0173 gryn\u0173j\u0173 lit\u0173, gali b\u016bti, kad kit\u0173 met\u0173 prad\u017eioje bank\u0173 padaliniuose vis\u0173 paslaug\u0173 teks palaukti ilgiau. Tod\u0117l patariame finansinius reikalus \u2013 sumok\u0117ti mokes\u010dius, paskolos \u012fmokas, steb\u0117ti savo biud\u017eet\u0105, sudaryti \/ nutraukti ind\u0117li\u0173 sutartis, u\u017esisakyti atnaujintos mok\u0117jimo kortel\u0117s siuntim\u0105 pa\u0161tu ir kitus \u2013 atlikti interneto banke. Taip sutaupysite savo laiko, kai kurias atvejais – l\u0117\u0161\u0173, o neturintieji interneto prieigos interneto banko terminal\u0105 ras visose savitarnos erdv\u0117se.<\/p>\n

Supa\u017eindinkite vaikus. Net jei ma\u017eylis jau pakankamai sumanus ir \u017eino, kad kal\u0117din\u0117s dovanos atgabenamos ne elni\u0173 traukiamomis rog\u0117mis, tai dar nerei\u0161kia, kad jam suprantama pinig\u0173 vert\u0117. O ypa\u010d \u2013 kai ta vert\u0117 gan smarkiai kei\u010diasi. Matant, kad ledai kainuoja 50 euro cent\u0173, vietoje dabar mokam\u0173 poros lit\u0173, vaiko galvel\u0117 gali apsisukti. Juk viskas taip pigu, tad kod\u0117l nenusipirkus penki\u0173 porcij\u0173 vietoje vienos. Tad b\u016btina kuo da\u017eniau kalb\u0117ti su at\u017ealomis apie tai, k\u0105 i\u0161ties tie 50 euro cent\u0173 reik\u0161 prasid\u0117jus naujiems metams. Tam geriausia pasitelkti vaizdines priemones: monetas, banknotus, paveiksliukus, pie\u0161im\u0105 ir pan. Tai ne tik pad\u0117s papras\u010diau paai\u0161kinti situacij\u0105, bet ir labiau patrauks vaiko d\u0117mes\u012f. Nema\u017eiau efektyvu ir pa\u010dius vaikus \u012ftraukti \u012f proces\u0105. Pavyzd\u017eiui, lankantis su vaiku parduotuv\u0117je, pakviesti juos pa\u017eaisti, papra\u0161ant pirkini\u0173 s\u0105ra\u0161e su\u017eym\u0117ti prekes, kurios j\u0173 manymu pigesn\u0117s nei vienas euras. V\u0117liau, etiket\u0117se suradus kainas eurais, patikrinti, kiek preki\u0173 vaikas pa\u017eym\u0117jo teisingai.<\/p>\n

Suma\u017e\u0117jimas \u2013 tik psichologinis triukas. Eur\u0173 kupi\u016bros yra didesn\u0117s nei lit\u0173, tad galb\u016bt pravartu pagalvoti apie erdvesn\u0119 pinigin\u0119 jiems laikyti. Tiesa, kupi\u016br\u0173 taip pat bus ma\u017eiau, kadangi bent jau i\u0161ori\u0161kai pajamos \u201esuma\u017e\u0117s\u201c, tarkime, jei u\u017edirbote 2000 lit\u0173, nuo kit\u0173 met\u0173 gausite apie 560 eur\u0173. \u017dvelgiant i\u0161 psichologin\u0117s pus\u0117s, tai yra neigiamas pokytis. Ta\u010diau visuomet verta prisiminti, kad nepaisant suma\u017e\u0117jusi\u0173 skai\u010di\u0173, perkamoji galia vis vien i\u0161liks tokia pati, nes preki\u0173 ir paslaug\u0173 kainos suma\u017e\u0117s ta pa\u010dia proporcija. I\u0161laikysime net ir savo tradicin\u012f Vyt\u012f, kuris puikuosis ant euro monet\u0173. Skirtumas tik tas, kad monetomis su Vy\u010diu gal\u0117sime atsiskaityti ir Pary\u017eiuje, ir Berlyne.<\/p>\n

Neskubinkite \u012fvyki\u0173. Lito i\u0161\u0117mimas i\u0161 apyvartos nepakeis joki\u0173 teisini\u0173 dokument\u0173 s\u0105lyg\u0173, tad neverta sukti galvos d\u0117l sutar\u010di\u0173 pakeitimo ar per\u017ei\u016br\u0117jimo. Turintiems paskolas litais, jos bus automati\u0161kai perskai\u010diuojamos eurais. Svarstantiems, ar verta iki euro \u012fvedimo imti paskol\u0105 litais, ar ver\u010diau palaukti naujos valiutos, skub\u0117ti nepatartina. Rekomenduojama paskolas imti ta valiuta, kuria gaunamos pajamos. Kartu reik\u0117t\u0173 atsi\u017evelgti \u012f paskol\u0173 pal\u016bkanas \u2013 istorin\u0117 pal\u016bkan\u0173 norm\u0173 raida rodo, kad VILIBOR buvo kiek didesn\u0117 nei EURIBOR.<\/p>\n

Pasitik\u0117kite oficialia informacija. Nors euras oficialiai \u012fvedamas nuo kit\u0173 met\u0173 sausio 1 dienos, litais bus galima atsiskaityti dar dvi savaites po \u0161ios datos. Dar iki tol gali atsirasti veik\u0117j\u0173 ar \u012fmoni\u0173, kurios si\u016blys keisti valiut\u0105 \u201epalankesniu kursu\u201c ar pan., ta\u010diau \u0161i\u0105 proced\u016br\u0105 gali atlikti tik oficialios finansin\u0117s \u012fstaigos. Lietuvos bankas litus \u012f eurus neatlygintinai keis neribot\u0105 laik\u0105, bankai ir u\u017esienio bank\u0173 filialai litus \u012f eurus neatlygintinai ir neribodami sumos keis iki bir\u017eelio 30 d., o \u201eLietuvos pa\u0161tas\u201c ir kredito unijos savo skyriuose ir padaliniuose \u2013 iki kovo 1 d.<\/p>\n

Prisiminkite paprast\u0105 konvertavimo b\u016bd\u0105. Prad\u017eioje nor\u0117site paskai\u010diuoti, kiek tai b\u016bt\u0173 litais. Tam valiutos keitimo kursas (1 euras = 3.45280 lito) n\u0117ra itin patogus. Jei po ranka netur\u0117site skai\u010diuotuvo, mintinai susigaudyti pad\u0117s toks supaprastinimas: sum\u0105 eurais dauginkite i\u0161 trij\u0173 ir sud\u0117kite su ta pa\u010dia suma, padalinta i\u0161 dviej\u0173. Pavyzd\u017eiui, 3 EUR = 3×3 + 3\/2 = 9 + 1.5 = 10.5 LTL (pagal oficial\u0173 kurs\u0105 3 EUR*3.45280 = 10.36 LTL).<\/p>\n","protected":false},"excerpt":{"rendered":"

Spalio 7 d. \u0160ilut\u0117s rajono savivaldyb\u0117je vyko seminaras, kurio metu Odeta Blo\u017eiene, \u201eSwedbank\u201c Asmenini\u0173 finans\u0173 instituto vadove ir Linas Rubys \u201eSwedbank\u201c vakar\u0173 Lietuvos filialo Verslo bankininkyst\u0117s centro direktorius dalino asmenini\u0173 finans\u0173 valdymo patarimus, aptar\u0117 svarbiausius pasirengimo euro \u012fvedimui veiksmus ir atsakin\u0117jo \u012f visus dalyviams i\u0161kilusius klausimus, susijusius su \u0161alies valiutos keitimu. Audringa ir karti Lietuvos […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-15633","post","type-post","status-publish","format-standard","category-aktualijos"],"yoast_head":"\nKaip \u201eprisijaukinti\u201c eur\u0105? - \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\/kaip-prisijaukinti-eura\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kaip \u201eprisijaukinti\u201c eur\u0105? - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"Spalio 7 d. \u0160ilut\u0117s rajono savivaldyb\u0117je vyko seminaras, kurio metu Odeta Blo\u017eiene, \u201eSwedbank\u201c Asmenini\u0173 finans\u0173 instituto vadove ir Linas Rubys \u201eSwedbank\u201c vakar\u0173 Lietuvos filialo Verslo bankininkyst\u0117s centro direktorius dalino asmenini\u0173 finans\u0173 valdymo patarimus, aptar\u0117 svarbiausius pasirengimo euro \u012fvedimui veiksmus ir atsakin\u0117jo \u012f visus dalyviams i\u0161kilusius klausimus, susijusius su \u0161alies valiutos keitimu. 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