10 porad na kryzys gospodarczy, który się właśnie zaczął

Kryzys gospodarczy się zaczął i to na całym globie. Bezrobocie na świecie będzie rosło. Możliwe że będzie to największa recesja kryzys jaką widzieliśmy. Jedne kraje dadzą sobie z nim rade lepiej a inne gorzej. Ale jedno jest pewne – kryzys już tu jest i odczujemy to prawie wszyscy. Może już go odczuwacie, może dopiero poczujecie to za 3 miesiące, może za 6 miesięcy albo za rok. Im później tym lepiej dla was. Ale wszyscy trochę to odczują. Oczywiście znajdą się gałęzie gospodarki dla których będzie to rozkwit. Jednak będzie to bardzo wąska grupa. Jak sobie z nim poradzą rządzący? Na to nie mamy większego wpływu. Mamy za to wpływ na siebie samych i jak my damy rade. Dlatego uszykowałem dla was 10 rad:
1. Dbaj o zdrowie i o odporność – może brzmi to banalnie ale jest to niezmiernie ważne! Warto dbać o siebie i bliskich nie tylko w obliczu pandemii ale i trudnej sytuacji gospodarczej.
2. Dbaj o swoje źródeł przychodu – Z pewnością jest teraz lepiej pracować dla dużej korporacji niż małej firmy, gdyż daje nam to większą stabilizacje. Lepiej szykować się na to, że nam obroty z czasem spadną. Musimy zrozumieć, że jak stracimy prace to tym razem tak łatwo nowej nie znajdziemy.
3. Przeanalizuj swoje koszta – dużo z nas ma teraz więcej wolnego czasu. Jest to idealny moment by przeanalizować ile potrzebujemy pieniędzy. Wyszczególnijmy koszta stałe (czynsz, rata kredytu, abonamenty etc) oraz to ile potrzebujemy wydawać miesięcznie na nasze życie (artykuły pierwszej potrzeby).*
4. Poszukaj zbędnych kosztów – Może się okazać po analizie naszych kosztów życia, że mamy zbędne wydatki. Może to być karnet na siłownie na którą nie chodzimy, pakiet internetu w telefonie którego nawet nie zużywamy do połowy, koszty bankowe (jest wiele banków za free), netflix którego nie oglądamy i wiele wiele innych. Należy usunąć zbędne koszta i nie brać na siebie nowych.*
5. Zbuduj swoją poduszkę finansową – Jeżeli już ją masz to super! Jeżeli jej nie posiadasz, bądź masz ją za małą, teraz jest idealny czas by ja tworzyć lub planować na nią odkładać. Zalecam założenie konta oszczędnościowego/lokaty – najlepiej bez karty płatniczej. Poduszka finansowa powinna pokryć nasze życie na wypadek straty pracy lub niemożności zarabiania. Taką poduszkę warto mieć na 3 miesiące życia, a nawet w niektórych wypadkach na 6 miesięcy. Warto też przejrzeć swoje polisy ubezpieczeniowe i sprawdzić od czego tak naprawdę nas chronią*
6. Rozważ kolejne wydatki (w szczególności te duże) – To nie jest najlepszy czas na zakup nowego samochodu, skoro stary nadal dobrze się spełnia. Zastanów się czy potrzebujesz teraz nowego pracownika w firmie? Czy to jest czas na wymianę połowy garderoby? Wakacje na Malediwach we wrześniu może też warto przełożyć? Kawa z najdroższej kawiarni w mieście też może poczekać. Wiele takich decyzji musicie podjąć sami.
7. Ostrożność w kupowaniu jak i sprzedawaniu z odroczonym terminem dostawy/płatności – Warto opłacać faktury w ostatni dzień ich opłacania, a samemu dbać o to by nasze środki nie „wisiały” u kogoś bo może się okazać że tego kontrahenta nie będzie już za 2 miesiące. Dlatego zalecam wystawianie faktur z krótszą datą płatności.
8. Dywersyfikacja majątku – tutaj najlepiej odsyłam do artykułu „Gdzie trzymać kapitał w czasie kryzysu”
9. Podział gotówki – Warto trzymać cześć gotówki w banku. W jednym banku nie więcej niż obejmuje fundusz gwarancyjny (100 000 EURO) oraz jakąś cześć w gotówce. Na wypadek problemów bankowych.
10. Zapasy żywieniowe – Warto mieć jedzenie z bardzo długą datą ważności w domu. Oczywiście najlepiej jeżeli będziemy po nie sięgać wtedy gdy jego czas spożycia będzie się zbliżał ku końcowi by się nie zepsuło.
* Przeliczajmy to na potrzeby gospodarstwa domowego jeżeli takie mamy.
Jest to moje 10 zasad, które zalecam wszystkim. Nie chce siać paniki w żaden sposób. Uważam jednak, że lepiej być przygotowanym na gorsze niż nie być przygotowanym i zaskoczonym.
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