M\u0103 bucur s\u0103 v\u0103 reg\u0103sesc la acest nou \u00eenceput de an, acum c\u0103 au trecut sarmalele, cozonacul, \u015fampania \u015fi au venit, la schimb, facturile de la c\u0103r\u0163ile de credit – de, Cr\u0103ciunul oblig\u0103! -, ca s\u0103 nu mai adaug facturile de taxe pentru proprietari, ba\u015fca impozitul pe venituri, ce se z\u0103re\u015fte la orizont.<\/p>\n
Dac\u0103 vi se pare c\u0103 acest \u00eenceput de an e mai dificil dec\u00e2t al\u0163ii, nu sunt de aceea\u015fi p\u0103rere. A\u015fa a fost \u015fi anul trecut \u015fi tot cam a\u015fa se pre\u00adve\u00adde \u015fi pentru urm\u0103torii ani. Pentru a dep\u0103\u015fi toate aceste momente, secre\u00adtul, dac\u0103-l putem numi a\u015fa, e s\u0103 v\u0103 organiza\u0163i c\u00e2t mai bine finan\u00ad\u0163ele. Organizare, disciplin\u0103 financiar\u0103, previziune \u015fi, dac\u0103 dori\u0163i, a\u015f putea ad\u0103uga \u015fi alte cuvin\u00adte ce sun\u0103 frumos, mai ales \u00een \u015fedin\u0163e.<\/p>\n
Eu g\u0103sesc c\u0103 lucrurile sunt cu mult mai simple. Un buget e pozitiv atunci c\u00e2nd reu\u015fim s\u0103 cheltuim cu un dolar mai pu\u0163in dec\u00e2t c\u00e2\u015fti\u00adg\u0103m. Iar dac\u0103 nu se poate, c\u00e2\u015ftiga\u0163i cu unul \u00een plus. \u00cencerca\u0163i acest lucru \u015fi o s\u0103 vede\u0163i c\u0103 nu ve\u0163i fi nicic\u00e2nd prin\u015fi de datorii. Dar mai bine s\u0103 v\u0103 povestesc de unde am \u00eenv\u0103\u0163at acest lucru.<\/p>\n
Varvara venea pe la bunica s\u0103-i ghiceasc\u0103 \u00eentodeauna duminica, dup\u0103 slujb\u0103. Lung\u0103, da\u2019 adus\u0103 de spate, cu basmaua-i bine str\u00e2ns\u0103 sub b\u0103rbie, cu b\u0103\u0163ul noduros \u00eentr-o m\u00e2n\u0103 \u015fi traista v\u0103rgat\u0103 \u00een cealalt\u0103.<\/p>\n
– Ai ajuns, Varvar\u0103?<\/p>\n
– Am ajuns, Ilean\u0103. Iaca, iar am stat p\u00e2n\u00e2 la-mp\u0103rt\u0103\u015fanii, da\u2019 s\u0103 \u015ftii c\u0103 tari greu ni-o mai mustrat popa azi.<\/p>\n
– Da\u2019 di ci, m\u0103i fumeie, c\u0103 doar\u0103 n-am pu\u015fcat \u00een stele \u015fi-a hi chicat fo una.<\/p>\n
– Vai, tu, Ilean\u0103, cum po\u0163i s\u0103 gr\u0103ie\u015fti a\u015f\u00e9? Apoi p\u0103rintili zici c\u0103 Domnu\u2019 nu-ng\u0103duie\u015fti s\u0103 \u00eembl\u0103m cu farmicii, c\u0103 ni pa\u015fti nicuratu\u2019.<\/p>\n
– Ap\u0103i, las\u0103 \u015fi tu, Varvar\u0103, popa s\u00e2 gr\u0103iasc\u00e2, c\u00e2 di aceie-i d\u0103m co\u00adla\u015fi. Hai mai ghini \u015fezi \u015fi-ndeamn\u00e2 o \u0163\u00e2r\u00e2, c\u0103 tocmai ci-am r\u0103sturnat m\u0103m\u0103liga pi fund \u015fi-am disf\u0103cut oliac\u00e2 din bud\u0103iu di br\u00e2nz\u00e2 di an \u015fi-apoi on da \u015fi-n boghi.<\/p>\n
– Cum spui, cu\u00adm\u0103tr\u00e2, el cu-a lui \u015fi noi cu-a noastri, da s\u0103-mi dai hot\u0103r\u00e2t, s\u0103 v\u0103d dac\u00e2 s-arat\u00e2 a s\u00ee ogoi Costan a nieu, c\u0103 di la Cra\u015fiun \u00een\u00adcoa\u00ad\u015fi m-o m\u00e2ncat di z\u00e2lii cu ra\u00adchiu\u2019 lui. \u015ei iac\u00e2, bghiru \u00e2i pi noi, da\u2019 gri\u0163arii n-ajung di niciun fiel.<\/p>\n
Ca \u015fi cum m-ar fi z\u0103rit pentru prima dat\u0103, bunica l\u0103s\u0103 linguroiu\u2019 de lemn cu care scotea br\u00e2nza din putin\u0103 \u015fi-mi zise, cu z\u00e2mbet \u015ftreng\u0103resc:<\/p>\n
– Dac-ai g\u0103tit di giucat cu m\u0103\u00adm\u0103\u00adliga, mai scarmanatuli, ia f\u0103 ghini \u015fi mai ti du matali olecu\u0163\u00e2 pi afar\u00e2, di ti gioac\u00e2 cu cialal\u0163i, c\u0103 \u015fi-or fa\u015fii mu\u015ftili cuib la gura ta di c\u00e2t \u00e2i c\u0103sca la babi, c\u0103 noi aviem di socotit \u015fi asta nu-i pientru c\u0103pu\u00ad\u015foru t\u0103u amu\u2019. \u015ei nu uita s\u0103 \u00eenghii giuncu\u0163a cu-o g\u0103liat\u00e2 di ap\u00e2, a\u015f\u00e9 harnic cum \u0163\u00e2-i fielu\u2019.<\/p>\n
Mai de voie, mai nu, \u00eenarmat cu o bucat\u0103 din m\u0103laiu\u2019 ce se ascun\u00adse\u00adse-n rol\u0103, am ie\u015fit, dac\u0103 a\u015fa era re\u00adgula. Bunica-mi explicase o dat\u0103 c\u0103 datu-n bobi nu-i pentru cei de seama mea, dar dac\u0103 am s\u0103-i fiu ascult\u0103tor \u015fi oi aduce ap\u0103 ori de c\u00e2te ori mi-a zice, are s\u0103-mi arate \u015fi mie, c\u00e2nd oi fi mai mare. Drept e c\u0103 mare lucru nu mai avea ea ce-mi ar\u0103ta, c\u0103 eu, de fiecare dat\u0103, numai m\u0103 f\u0103ceam c\u0103 plec, da\u2019 \u00eencet m\u0103 \u00eentorceam sub geamul din dreptul mesei \u015fi numa\u2019 urechi eram la tot ce se spunea.<\/p>\n
Pentru Varvara, timpul pl\u0103\u0163ii impozitelor – a birului, dup\u0103 vorba ei – era un stres pe care trebuia de fiecare dat\u0103 s\u0103-l \u00eempart\u0103 cu bunica. Nici \u00een ziua de azi nu \u015ftiu dac\u0103 datu-n bobi o ajuta s\u0103 g\u0103seasc\u0103 banii pentru bir, dar a\u015fa de bucu\u00adroas\u0103 pleca de la noi, c\u0103-mi vine a crede c\u0103 da.<\/p>\n
La dumneavoastr\u0103 cum se petrece, sunte\u0163i bine organiza\u0163i \u015fi aceast\u0103 perioad\u0103 nu v\u0103 d\u0103 nicio b\u0103taie de cap sau ave\u0163i nevoie de tratamentul Varvarei? Pentru a v\u0103 u\u015fura eforturile de plat\u0103 a taxelor, \u00een fiecare an pute\u0163i s\u0103 utiliza\u0163i drep\u00adturile de depunere \u00een regimul de economii pentru pensie (REER) – bine\u00een\u0163eles, \u00een m\u0103sura \u00een care depunerile pe care le face\u0163i v\u0103 pot aduce un semnificativ retur de taxe. Dar mai multe r\u0103spunsuri g\u0103si\u0163i la fiecare din consilierii financiari ai comunit\u0103\u0163ii, important e ca solu\u0163ia propus\u0103 s\u0103 fie cea bun\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"
M\u0103 bucur s\u0103 v\u0103 reg\u0103sesc la acest nou \u00eenceput de an, acum c\u0103 au trecut sarmalele, cozonacul, \u015fampania \u015fi au venit, la schimb, facturile de la c\u0103r\u0163ile de credit – de, Cr\u0103ciunul oblig\u0103! -, ca s\u0103 nu mai adaug facturile de taxe pentru proprietari, ba\u015fca impozitul pe venituri, ce se z\u0103re\u015fte la orizont. Dac\u0103 vi […]<\/p>\n","protected":false},"author":22,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[422],"tags":[],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p9PoWe-4E6","_links":{"self":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/17862"}],"collection":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/comments?post=17862"}],"version-history":[{"count":0,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/posts\/17862\/revisions"}],"wp:attachment":[{"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/media?parent=17862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/categories?post=17862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paginiromanesti.ca\/wp-json\/wp\/v2\/tags?post=17862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}