{"id":46149,"date":"2021-09-29T14:50:54","date_gmt":"2021-09-29T12:50:54","guid":{"rendered":"https:\/\/covermagazin.com\/?p=46149"},"modified":"2021-09-29T14:54:46","modified_gmt":"2021-09-29T12:54:46","slug":"prednosti-placanja-gotovinom","status":"publish","type":"post","link":"https:\/\/covermagazin.com\/?p=46149","title":{"rendered":"Prednosti pla\u0107anja gotovinom"},"content":{"rendered":"\n

\"\"<\/p>\n\n\n\n

Prednosti pla\u0107anja gotovinom<\/h2>\n\n\n\n

Iako je pla\u0107anje gotovinom pomalo staromodno, mnogi jo\u0161 uvijek isti\u010du prednosti takvog pla\u0107anja.<\/p>\n\n\n\n

Ako poku\u0161avate pratiti koliko tro\u0161ite ili u\u0161tedjeti, pla\u0107anje s gotovinom vjerojatno je jo\u0161 uvijek senzibilnija opcija.<\/p>\n\n\n\n

-1- Nemogu\u0107nost minusa<\/strong><\/p>\n\n\n\n

Ako kupujete kreditnom karticom uvijek mo\u017eete potro\u0161iti vi\u0161e nego \u0161to imate, me\u0111utim ako pla\u0107ate gotovinom mo\u017eete potro\u0161iti samo onoliko koliko imate.<\/p>\n\n\n\n

Jedna od lo\u0161ijih strana pla\u0107anja kreditnom karticom je \u0161to se ohrabruje ljude da tro\u0161e vi\u0161e nego \u0161to mogu i vi\u0161e nego su planirali, jer je potro\u0161iti ono \u0161to nemate gotovo nevjerojatno lako. Jednostavno kada pla\u0107ate karticom nemate nikakvu razliku da li pla\u0107ate svojim novcem ili posu\u0111enim, odnosno minusom. Kada pla\u0107ate karticom nemate osje\u0107aj da novac izlazi iz va\u0161eg nov\u010danika, bolje re\u010deno s bankovnog ra\u010duna.<\/p>\n\n\n\n

Kao \u0161to kartice omogu\u0107avaju da preplatite neku stvar isto tako omogu\u0107avaju i da kupujete stvari koje vam ne trebaju i za koje zapravo nemate novaca. Op\u0107enito govore\u0107i jedino \u0161to mo\u017eete u\u010diniti je ostaviti karticu kod ku\u0107e i nositi sa sobom samo onoliko novaca koliko ste spremni u odre\u0111enom trenutku potro\u0161iti. Mo\u017eda je to staromodan na\u010din, ali to je jedini na\u010din da kupujete u okviru bud\u017eeta.<\/p>\n\n\n\n

-2- Manji je gubitak u slu\u010daju kra\u0111e<\/strong><\/p>\n\n\n\n

Ako izgubite ili vam ukradu nov\u010danik, ukoliko u njemu nemate kreditnih kartica manja je potencijalna \u0161teta.<\/p>\n\n\n\n

-3- Nema naknada<\/strong><\/p>\n\n\n\n

Postoje mnoge naknade povezane s kreditnim i debitnim karticama. Tako\u0111er, lako je oti\u0107i u minus, a na to pla\u0107ate kamate. Svaka kartica koju imate ima mjese\u010dnu ili godi\u0161nju \u010dlanarinu koju pla\u0107ate, osim toga minus po ra\u010dunu ili kartici ko\u0161ta.<\/p>\n\n\n\n

-4- Bolji popusti<\/strong><\/p>\n\n\n\n

Ako ste voljni pregovarati mo\u017eete dobiti ve\u0107e popuste na pla\u0107anje gotovinom. Neki du\u0107ani nude automatski gotovinski popust i do 30 posto, \u0161to nije mala cifra.<\/p>\n\n\n\n

-5- Manje \u0161anse za lo\u0161 kreditni rejting<\/strong><\/p>\n\n\n\n

Ako imate dugove po kreditnim karticama te\u017ee dobivate kredit, te su maksimalno mogu\u0107e rate manje. Mnogi ne znaju da mogu li i koliki mogu dobiti kredit za kupovinu stana ili automobila ovisi i o tome jesu li u minusu, a posebno o tome jesu li ikada bili u crvenome minusu ili na “crnoj listi” banka. <\/p>\n\n\n\n

-6- Lak\u0161e \u0107ete \u0161tedjeti<\/strong><\/p>\n\n\n\n

Ako vidite novac i u fizi\u010dkom smislu, a ne samo kao apstraktnu brojku lak\u0161e \u0107ete razumjeti njegovu vrijednost. <\/p>\n\n\n\n

U dana\u0161njem dru\u0161tvu ve\u0107ina ljudi kombinira pla\u0107anje karticama i gotovinom, za razli\u010dite vrste proizvoda i usluga koje kupuje. I dok \u0107e pla\u0107anje gotovinom preventirati i nepotrebne kupovine i impulsne odluke o kupovini, pla\u0107anje kreditnim karticama omogu\u0107ava vam da kupite ono \u0161to sebi ne mo\u017eete priu\u0161titi, u\u017eivate u tome i otpla\u0107ujete na rate. Zbog toga je kreditna kartica toliko privla\u010dna. Op\u0107enito, kada koristite kreditne kartice mo\u017ee se re\u0107i da se uop\u0107e ne optere\u0107ujete novcima koje imate ili nemate, tro\u0161ite onoliko koliko \u017eelite na ra\u010dun budu\u0107nosti. <\/p>\n","protected":false},"excerpt":{"rendered":"

Prednosti pla\u0107anja gotovinom Iako je pla\u0107anje gotovinom pomalo staromodno, mnogi jo\u0161 uvijek isti\u010du prednosti takvog pla\u0107anja. Ako poku\u0161avate pratiti koliko tro\u0161ite ili u\u0161tedjeti, pla\u0107anje s gotovinom vjerojatno je jo\u0161 uvijek senzibilnija opcija. -1- Nemogu\u0107nost minusa Ako kupujete kreditnom karticom uvijek mo\u017eete potro\u0161iti vi\u0161e nego \u0161to imate, me\u0111utim ako pla\u0107ate gotovinom mo\u017eete potro\u0161iti samo onoliko koliko […]<\/p>\n","protected":false},"author":1,"featured_media":46152,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[15],"tags":[],"class_list":["post-46149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zanimljivo"],"_links":{"self":[{"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/posts\/46149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/covermagazin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=46149"}],"version-history":[{"count":5,"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/posts\/46149\/revisions"}],"predecessor-version":[{"id":58204,"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/posts\/46149\/revisions\/58204"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/covermagazin.com\/index.php?rest_route=\/wp\/v2\/media\/46152"}],"wp:attachment":[{"href":"https:\/\/covermagazin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=46149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/covermagazin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=46149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/covermagazin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=46149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}