{"id":490,"date":"2012-08-23T07:01:25","date_gmt":"2012-08-23T09:01:25","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/7-patarimai-studentams-ir-ju-tevams\/"},"modified":"2012-08-23T07:01:25","modified_gmt":"2012-08-23T09:01:25","slug":"7-patarimai-studentams-ir-ju-tevams","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/7-patarimai-studentams-ir-ju-tevams\/","title":{"rendered":"7 patarimai studentams ir j\u0173 t\u0117vams"},"content":{"rendered":"

\"Pagrindinis<\/a>Liko savait\u0117, kai did\u017ei\u0173j\u0173 miest\u0173 gatves u\u017epildys akademinis jaunimas. Dalis j\u0173 \u017eengs pirmuosius savaranki\u0161ko gyvenimo \u017eingsnius, kurie vilioja, bet tuo pa\u010diu ir baugina.<\/strong><\/p>\n

\u201eKaip brangu gyventi ir kaip sunku sutaupyti\u201c, nustemba naujai \u201ei\u0161kepti\u201c studentai. Tokia nuostaba nat\u016brali, kadangi jaunuoliams tenka patiems priimti finansinius sprendimus. Kokie jie bus, nema\u017ea dalimi priklauso ir nuo t\u0117v\u0173, kurie skiepija savo at\u017ealoms pirmuosius finansinio atsakingumo \u012fpro\u010dius ir teikia pagalb\u0105 savaranki\u0161ko gyvenimo prad\u017eioje.<\/p>\n

\u201eSwedbank\u201c Asmenini\u0173 finans\u0173 institutas, siekdamas pad\u0117ti susiorientuoti studenti\u0161ko gyvenimo labirintuose, pateikia svarbiausius faktus i\u0161 pavasar\u012f atlikto student\u0173 finansin\u0117s situacijos tyrimo bei dalijasi patarimais b\u016bsimiems studentams ir j\u0173 t\u0117vams. Ta\u010diau jie pravers ir tiems, kurie studenti\u0161k\u0105 duon\u0105 kremta jau ne pirmus metus.<\/p>\n

Faktas nr. 1<\/strong><\/span><\/p>\n

\u0160.m. rugpj\u016b\u010dio 1 d. Manocreditinfo.lt sistemos duomenimis, daugiau nei 98 t\u016bkst. jaunuoli\u0173 nuo 18 iki 24 met\u0173 am\u017eiaus tur\u0117jo pradelst\u0173 mok\u0117jim\u0173. Vidutin\u0117 pradelsto mok\u0117jimo suma siek\u0117 2156 Lt, o per metus tokio am\u017eiaus skolinink\u0173 padaug\u0117jo beveik 40 proc.<\/strong><\/p>\n

Student\u0173 finansin\u0117s situacijos tyrimo duomenimis, kiek daugiau nei 13 proc. student\u0173 jau turi ar yra tur\u0117j\u0119 finansini\u0173 \u012fsipareigojim\u0173.<\/p>\n

I\u0161 vienos pus\u0117s, finansiniai \u012fsipareigojimai jaunus \u017emones disciplinuoja, kita vertus, pradelst\u0173 mok\u0117jim\u0173 statistika rodo, kad studentai ne visuomet juos valdo atsakingai. Spart\u0173 mok\u0117jimus pradelsusi\u0173 skolinink\u0173 gaus\u0117jim\u0105 lemia ne tik student\u0173 finansin\u0117 situacija, bet ir jaunatvi\u0161kas lengvab\u016bdi\u0161kumas.<\/p>\n

Da\u017enas studentas mano, kad pamir\u0161us sumok\u0117ti 20 Lt u\u017e mobiliojo ry\u0161io paslaugas, pasaulio pabaiga neateis. Ko gero, jie teis\u016bs, ta\u010diau toks elgesys gali lemti nei\u0161sipild\u017eiusias svajones.<\/p>\n

Pavyzd\u017eiui, pra\u0117jus\u012f pavasar\u012f d\u0117l netinkamai vykdom\u0173 finansini\u0173 \u012fsipareigojim\u0173 3 proc. student\u0173 buvo atsisakyta suteikti valstyb\u0117s remiam\u0105 paskol\u0105. Kaskart nusprendus atid\u0117ti, kad ir nediduk\u0117s skolos sumok\u0117jim\u0105, galima \u201eu\u017esidirbti\u201c neigiam\u0105 \u012fra\u0161\u0105 asmens kredito istorijoje. O \u012fra\u0161as liudija, kad \u017emogus nesugeba valdyti savo finans\u0173, laiku padengti \u012fsipareigojim\u0173 ar atsiskaityti u\u017e paslaugas, ir gali tapti kli\u016btimi netik\u0117\u010diausiu gyvenimo momentu \u2013 pavyzd\u017eiui, kreipiantis kredito nuosavam b\u016bstui.<\/p>\n

Faktas nr. 2<\/strong><\/span><\/p>\n

Vidutin\u0117s student\u0173 pajamos \u2013 615 lit\u0173 per m\u0117nes\u012f, o beveik 80 proc. student\u0173 svarbiausias pajam\u0173 \u0161altinis yra t\u0117v\u0173 parama.<\/strong><\/p>\n

Pagrindinis student\u0173 \u201edarbas\u201c yra studijuoti, o kai jaunimo nedarbo lygis \u2013 dvi\u017eenklis, nieko keisto, kad studentams gyvenim\u0105 finansuoja t\u0117vai. Vis d\u0117lto neribota j\u0173 parama gali padaryti me\u0161kos paslaug\u0105 savaranki\u0161k\u0105 gyvenim\u0105 pradedan\u010diam jaunuoliui.<\/p>\n

T\u0117vai savo param\u0105 tur\u0117t\u0173 paversti \u201eatlyginimu\u201c studentui, o jo mok\u0117jimo s\u0105lygas \u2013 numatyti i\u0161 anksto. Kas m\u0117nes\u012f gaudamas fiksuot\u0105 \u201eu\u017emokest\u012f\u201c studentas priart\u0117s prie dirban\u010diojo, kuris visuomet \u017eino, kada bus pervestas atlyginimas ir kokio jis bus dyd\u017eio. Suprantama, t\u0117vams nuspr\u0119sti, koki\u0105 sum\u0105 skirti studijuoti pradedan\u010diai at\u017ealai n\u0117ra paprasta.<\/p>\n

\u010cia pagelb\u0117s i\u0161laid\u0173 fiksavimas pirmaisiais studij\u0173 m\u0117nesiais. Faktin\u0117 informacija bus pagrindas t\u0117vams sprend\u017eiant d\u0117l skiriamos sumos dyd\u017eio, o vaikams \u2013 finansin\u0117s atsakomyb\u0117s ir pinig\u0173 valdymo \u012fg\u016bd\u017ei\u0173 ugdymo priemon\u0117.<\/p>\n

T\u0117vams taip pat vert\u0117t\u0173 atsikratyti \u012fpro\u010dio \u201eprid\u0117ti\u201d lit\u0105 kit\u0105 ar atsiliepti \u012f at\u017ealos gail\u0173 pra\u0161ym\u0105 pervesti \u0161\u012f m\u0117nes\u012f kiek daugiau. Juk dirbantis \u017emogus retai gali tik\u0117tis, kad nu\u0117jus pas vir\u0161inink\u0105 ir papra\u0161ius kiek pridurti prie atlyginimo, jo sumanymas i\u0161degs. Geriausiu atveju vir\u0161ininkas sutiks skirti avans\u0105, kuriuo bus suma\u017eintos kito m\u0117nesio pajamos.<\/p>\n

Faktas nr. 3<\/strong><\/span><\/p>\n

Pritr\u016bk\u0119 pinig\u0173 60 proc. student\u0173 ma\u017eina vartojim\u0105, 34 proc. naudoja santaupas, o 24 proc. papildomos dotacijos pra\u0161o i\u0161 t\u0117v\u0173.<\/strong><\/p>\n

Tyrimo duomenimis, net 91 proc. student\u0173 m\u0117nesio pabaigoje bent retkar\u010diais pritr\u016bksta pinig\u0173. T\u0105 jaunuoli\u0173 dal\u012f, kuri finansines spragas kam\u0161o ma\u017eindama vartojim\u0105, galima tik pasveikinti su racionaliu ir atsakingu sprendimu. Ta\u010diau beveik ketvirtadaliui papildomas dotacijas teikia t\u0117vai.<\/p>\n

Tokia \u201epaslauga\u201c ne tik nepadeda ugdyti finans\u0173 valdymo \u012fg\u016bd\u017ei\u0173, bet ir sukuria iliuzij\u0105, kad pinigai \u2013 neribotas i\u0161teklius.<\/p>\n

\u017dinoma, jei susiduriama su kritin\u0117mis situacijomis tokiomis kaip liga, nelaim\u0117 ar pan., paremti tiesiog b\u016btina, ta\u010diau kitais atvejais nusileisti neder\u0117t\u0173. Papildom\u0105 t\u0117v\u0173 param\u0105 vert\u0117t\u0173 prilyginti greitajai pagalbai \u2013 jei pacientui l\u016b\u017eo koja, greitoji pagalba atskuba, ta\u010diau ma\u017eiau rimtais atvejais teikia tik rekomendacijas ir pas pacient\u0105 nevyksta.<\/p>\n

Faktas nr. 4<\/strong><\/span><\/p>\n

Vidutin\u0117s studento i\u0161laidos siekia 567 Lt per m\u0117nes\u012f.<\/strong><\/p>\n

I\u0161 pirmo \u017evilgsnio tai atrodo labai nedidel\u0117 suma, ta\u010diau neder\u0117t\u0173 pamir\u0161ti, jog studentai \u2013 ne tik bene i\u0161radingiausia visuomen\u0117s dalis, bet ir \u201eauditorija\u201c, kuri gali pasinaudoti nema\u017eomis nuolaidomis, pavyzd\u017eiui, vie\u0161ojam transportui, kult\u016bros renginiams ir t.t. Be to, keliese dalindamiesi bendrabu\u010dio kambar\u012f ar nuomojam\u0105 but\u0105 studentai \u017eenkliai suma\u017eina b\u016bsto i\u0161laikymo ka\u0161tus.<\/p>\n

Reik\u0161minga ir \u201enat\u016brin\u0117\u201c t\u0117v\u0173 parama. Jos sulaukia net 90 proc. student\u0173 \u2013 t\u0117vai jiems perka maisto produktus, drabu\u017eius, pripildo automobilio bak\u0105. Su laukne\u0161\u0117liais i\u0161 nam\u0173 gr\u012f\u017eta net ir u\u017edirbantys 7000 Lt per m\u0117nes\u012f.<\/p>\n

Daugiau nei pusei j\u0173 ji padeda suma\u017einti i\u0161laidas perpus ar daugiau. \u017dinoma, i\u0161laid\u0173 vis vien per akis. Did\u017ei\u0105j\u0105 dal\u012f studenti\u0161k\u0173 pajam\u0173 \u201esuryja\u201c maistas, b\u016bsto i\u0161laikymas, apranga ir avalyn\u0117 bei laisvalaikis. Ta\u010diau visada galima rasti b\u016bd\u0173 \u0161ias eilutes \u0161iek tiek suma\u017einti.<\/p>\n

Faktas nr. 5<\/strong><\/span><\/p>\n

Beveik penktadalis student\u0173 tam tikr\u0105 sum\u0105 santaupoms atideda kiekvien\u0105 m\u0117nes\u012f, 45 proc. \u2013 nereguliariai. Vidutini\u0161kai santaupoms atidedama student\u0173 suma siekia 104 Lt.<\/strong><\/p>\n

Tokia taupymo \u012fpro\u010di\u0173 statistika d\u017eiugina, juolab, kad student\u0173 pajamos beveik tris kartus ma\u017eesn\u0117s nei vidutinis atlygis po mokes\u010di\u0173 \u0161alyje. Nors da\u017enam studentui dar neskauda galvos d\u0117l b\u016bsto paskolos, vaik\u0173 i\u0161simokslinimo ar pensijos, ugdyti teisingus asmenini\u0173 finans\u0173 valdymo \u012fg\u016bd\u017eius verta prad\u0117ti kuo anks\u010diau.<\/p>\n

Kita vertus, \u0161ia diena gyvena ir santaup\u0173 nekaupia 38 proc. student\u0173. Pateisinim\u0173 tokiam elgesiui rasti nesunku, da\u017eniausias \u2013 \u201etaupyti tiesiog n\u0117ra i\u0161 ko\u201c. Ta\u010diau net ir turint menkas pajamas, \u201esusiorganizuoti\u201c santaup\u0173 \u012fmanoma. Ir tam neb\u016btina gyventi kremtant vien saus\u0105 duon\u0105. Net ir po kelet\u0105 monet\u0173, kasdien metam\u0173 \u012f taupykl\u0119, gali suteikti azarto, o met\u0173 gale \u201eu\u017eauginti\u201c visai padori\u0105 sum\u0105.<\/p>\n

Svarbu prisiminti, kad atsid\u0117ti \u0161iek tiek l\u0117\u0161\u0173 der\u0117t\u0173 nuolat, ne tik prie\u0161 atostogas, \u0161ventes, festival\u012f ar mokslo met\u0173 prad\u017ei\u0105. Tokiu atveju \u0161ios progos neu\u017eklups \u201enetik\u0117tai\u201c, o pinig\u0173 joms neteks kaulyti i\u0161 t\u0117v\u0173 ar skolintis.<\/p>\n

Faktas nr. 6<\/strong><\/span><\/p>\n

Vidutin\u0117 atlyginimo suma, kurios tikisi mokslus baig\u0119s jaunimas, vir\u0161ija 2181 Lt\/m\u0117n.<\/strong><\/p>\n

Tokie ambicingi student\u0173 norai net tre\u010ddaliu vir\u0161ija vidutin\u012f atlyginim\u0105 \u0161alyje. Tiesa, student\u0173 finansiniai l\u016bkes\u010diai ma\u017e\u0117ja proporcingai baigt\u0173 kurs\u0173 skai\u010diui \u2013 bebaigian\u010di\u0173 bakalauro studijas pageidaujamas atlyginimas yra 500 Lt kuklesnis nei pirmakursi\u0173. Kod\u0117l kartel\u0117 leid\u017eiasi? Dauguma jaun\u0173 \u017emoni\u0173, tik \u012fstojusi\u0173 \u012f universitet\u0105, neturi darbo patirties.<\/p>\n

Tod\u0117l j\u0173 \u012fsivaizdavimas apie atlyginim\u0105 yra daugiau asmenin\u0117s ambicijos, o tai paprastai prasilenkia su realia situacija. Pirm\u0173j\u0173 kurs\u0173 studentai adekva\u010diau vertint\u0173 situacij\u0105 darbo rinkoje, jei patys kuo anks\u010diau paragaut\u0173 darbuotojo duonos. Studentams ar absolventams pravartu vasar\u0105 pabandyti padirb\u0117ti ar imtis praktikos.<\/p>\n

Tai pad\u0117s subalansuoti l\u016bkes\u010dius bei susipa\u017einti su darbo specifika. \u017dinoma, savo ind\u0117l\u012f jaunuol\u012f supa\u017eindinant su darbo rinka, tur\u0117t\u0173 \u012fd\u0117ti ir t\u0117vai.<\/p>\n

Faktas nr. 7<\/strong><\/span><\/p>\n

Papra\u0161ius student\u0173 i\u0161skaidyti savo i\u0161laidas pagal atskiras grupes, i\u0161laid\u0173 suma gerokai padid\u0117davo \u2013 gyvenan\u010di\u0173 po vien\u0105 vidutini\u0161kai iki 1217 Lt, gyvenan\u010di\u0173 su kambariokais \u2013 iki 938 Lt.<\/strong><\/p>\n

Tokie neatitikimai akivaizd\u017eiai demonstruoja, jog studentai prastai orientuojasi savo ki\u0161en\u0117se, o juo labiau \u2013 t\u0117v\u0173 i\u0161laidose, tenkinan\u010diose j\u0173 poreikius. Ta\u010diau suaugti vien\u0105 dien\u0105 vis tiek teks, ir tai geriau daryti su t\u0117v\u0173 parama. Savaranki\u0161kumas \u2013 ne tik laisv\u0117, bet ir atsakomyb\u0117.<\/p>\n

Tod\u0117l naudinga i\u0161 anksto nusistatyti, kokia yra i\u0161laid\u0173 atsakomyb\u0117 tarp studento ir t\u0117v\u0173: kas moka u\u017e b\u016bst\u0105, perka r\u016bbus ir t.t. Tiesa, toks i\u0161laid\u0173 i\u0161skaidymas netenka prasm\u0117, jei studentas ne\u017eino, kiek pinig\u0173 jo reikm\u0117ms i\u0161leid\u017eia t\u0117vai, o ir pats nelink\u0119s skai\u010diuoti savo i\u0161laid\u0173.<\/p>\n

\u0160i\u0105 sprag\u0105 u\u017epildyti pad\u0117s studenti\u0161kam gyvenimui skirt\u0173 i\u0161laid\u0173 apskaita. Metams b\u0117gant, jaunuoliui tenkan\u010di\u0105 atsakomyb\u0117s dal\u012f vert\u0117t\u0173 didinti \u2013 taip studentas dar nesulauk\u0119s studij\u0173 pabaigos \u012fgis savaranki\u0161ko gyvenimo \u012fg\u016bd\u017ei\u0173 ir i\u0161siugdys finansin\u0119 disciplin\u0105.<\/p>\n\n\n\n
\n

Kaip suma\u017einti studenti\u0161kas i\u0161laidas?<\/strong><\/span><\/p>\n

Maistas.<\/strong> Sakoma, studentas sotus ilgai neb\u016bna, tad t\u0105 ret\u0105 moment\u0105 der\u0117t\u0173 i\u0161naudoti apsipirkimui. Parduotuv\u0117se galioja elementari taisykl\u0117 \u2013 akys nori daugiau nei skrandis, tod\u0117l alkanam gali b\u016bti sunku atsispirti skaniems pasi\u016blymams. Maisto i\u0161laidos taps kuklesn\u0117s apsipirkim\u0105 prad\u0117jus dar namuose ir atlikus i\u0161sami\u0105 maisto liku\u010di\u0173 inventorizacij\u0105. O berib\u0119 fantazij\u0105 kold\u016bn\u0173 skyriuje suvaldyti pad\u0117s i\u0161 anksto sudarytas pirkini\u0173 s\u0105ra\u0161as.<\/p>\n

B\u016bstas.<\/strong> Bene pigiausias b\u016bstas studentui gyventi \u2013 bendrabutis. \u010cia galima ne tik susirasti nauj\u0173 draug\u0173, bet ir pajusti finansin\u0119 naud\u0105: u\u017e visas komunalines paslaugas mokamas fiksuotas mokestis. Jei planuojama b\u016bst\u0105 nuomotis, prie\u0161 pasirenkant vert\u0117t\u0173 atsi\u017evelgti, kaip toli teks keliauti iki universiteto ir kokie komunaliniai mokes\u010diai \u0161altuoju sezonu, kai atsiranda ne tik \u0161ildymo s\u0105skaitos, bet did\u0117ja ir elektros energijos, duj\u0173 suvartojimas.<\/p>\n

Transportas.<\/strong> Miestuose, kur vie\u0161ojo transporto tinklas gana gerai sutvarkytas, o dienini\u0173 skyri\u0173 studentams taikomos nuolaidos, i\u0161laidas automobilio degalams, remontui ir stov\u0117jimui verta paversti kitu studenti\u0161ko gyvenimo g\u0117riu.<\/p>\n

Laisvalaikis.<\/strong> Smagiam ir nenuobod\u017eiam laiko praleidimui didel\u0117s sumos neb\u016btinos. Tereikia pasitelkti fantazij\u0105. Kartais palapini\u0173 \u017eygis su draugais gali atstoti prabangiausi\u0105 vakar\u0117l\u012f, o spontani\u0161kai suorganizuotas stalo \u017eaidim\u0173 turnyras tapti smagesniu nei suol\u0173 trynimas bare.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

Liko savait\u0117, kai did\u017ei\u0173j\u0173 miest\u0173 gatves u\u017epildys akademinis jaunimas. Dalis j\u0173 \u017eengs pirmuosius savaranki\u0161ko gyvenimo \u017eingsnius, kurie vilioja, bet tuo pa\u010diu ir baugina. \u201eKaip brangu gyventi ir kaip sunku sutaupyti\u201c, nustemba naujai \u201ei\u0161kepti\u201c studentai. Tokia nuostaba nat\u016brali, kadangi jaunuoliams tenka patiems priimti finansinius sprendimus. Kokie jie bus, nema\u017ea dalimi priklauso ir nuo t\u0117v\u0173, kurie skiepija […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-490","post","type-post","status-publish","format-standard","category-kultura-ir-svietimas"],"yoast_head":"\n7 patarimai studentams ir j\u0173 t\u0117vams - \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\/7-patarimai-studentams-ir-ju-tevams\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 patarimai studentams ir j\u0173 t\u0117vams - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"Liko savait\u0117, kai did\u017ei\u0173j\u0173 miest\u0173 gatves u\u017epildys akademinis jaunimas. Dalis j\u0173 \u017eengs pirmuosius savaranki\u0161ko gyvenimo \u017eingsnius, kurie vilioja, bet tuo pa\u010diu ir baugina. \u201eKaip brangu gyventi ir kaip sunku sutaupyti\u201c, nustemba naujai \u201ei\u0161kepti\u201c studentai. Tokia nuostaba nat\u016brali, kadangi jaunuoliams tenka patiems priimti finansinius sprendimus. 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