{"id":134243,"date":"2025-04-28T22:23:42","date_gmt":"2025-04-28T20:23:42","guid":{"rendered":"https:\/\/www.mojevrijeme.hr\/magazin\/?p=134243"},"modified":"2025-04-28T22:24:51","modified_gmt":"2025-04-28T20:24:51","slug":"gusi-vas-dug-na-karticama-evo-kako-vas-moze-spasiti-metoda-lavine","status":"publish","type":"post","link":"https:\/\/www.mojevrijeme.hr\/magazin\/2025\/04\/gusi-vas-dug-na-karticama-evo-kako-vas-moze-spasiti-metoda-lavine\/","title":{"rendered":"Gu\u0161i vas dug na karticama? Evo kako vas mo\u017ee spasiti metoda lavine"},"content":{"rendered":"\n<p>Kreditne kartice primamljiv su na\u010din kupovine. No mnogi se pogube izme\u0111u \u017eelja i mogu\u0107nosti pa padnu u gotovo nerje\u0161iv dug. Situacija je tim te\u017ea ako se &#8220;pegla&#8221; vi\u0161e kartica odjednom ili kad se jednom karticom zatvara rupa nastala na drugoj, \u0161to nekima mo\u017ee koristiti, ali nepromi\u0161ljene vodi u kamatnu spiralu. <\/p>\n\n\n\n<p>\u0160to u\u010diniti? Financijski stru\u010dnjaci preporu\u010duju &#8220;metodu lavine&#8221; koja naglasak stavlja na kamate. Popi\u0161ite dugove tako da na vrh popisa stavite onaj s najvi\u0161om kamatnom stopom, a na dno onaj s najmanjom. Obavezno platite minimalne mjese\u010dne uplate, ali sav svoj dodatni novac koji mo\u017eete izdvojiti upla\u0107ujte na karticu s najve\u0107om kamatom. Prioritet je rije\u0161iti najskuplje dugove prve.<\/p>\n\n\n\n<p>Petnaest posto ispitanika u Sjedinjenim Dr\u017eavama koristi ba\u0161 ovu strategiju za otplatu duga, izvijestila je tamo\u0161nja Federalna sredi\u0161nja banka. To je posebno dobra ideja jer \u0161tedi novac koji biste bacili u najve\u0107e kamate. No mana joj je \u0161to \u0107e vam za nju trebati disciplina, a upravo ste zbog nedostatka discipline zavr\u0161ili u dugu.<\/p><div id=\"mojev-2316752385\" class=\"mojev-u-tekstu mojev-entity-placement\" style=\"margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Prikazni 1 u tekstu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"8535551207\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n\n\n\n<p>Ako imate, recimo, 300 eura mjese\u010dno koje mo\u017eete izdvojiti za otplatu duga, ve\u0107inu tih sredstava prvo iskoristite da otplatite dug s najvi\u0161om kamatom. Nakon \u0161to ste taj dug isplatili, nastavite \u010distiti sljede\u0107i dug sa najve\u0107om kamatom. Njega \u0107ete rije\u0161iti br\u017ee nego prvi, budu\u0107i da ne\u0107ete imati toliko kamata za otplatu. <\/p>\n\n\n\n<p>Klju\u010d ove strategije je odr\u017eavanje otplate duga od 300 eura mjese\u010dno cijelo vrijeme. Ako nakon otplate najskupljeg duga odustanete ili idu\u0107e dugove nastavite \u010distiti s manjim iznosima, male su \u0161anse da \u0107ete se tako brzo i uspje\u0161no izvu\u0107i iz financijskog gliba.<\/p>\n<div id=\"mojev-630383058\" class=\"mojev-kraj-teksta mojev-entity-placement\" style=\"margin-bottom: 20px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Display-1 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"1465712950\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Kreditne kartice \u010desto vode u neodr\u017eive dugove, osobito kad se tro\u0161kovi prelijevaju s jedne na drugu. Metoda lavine je u\u010dinkovit na\u010din za povratak u financijsku stabilnost, ali uz nu\u017enu disciplinu.<\/p>\n","protected":false},"author":1,"featured_media":104976,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[352,2606,1220],"class_list":["post-134243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mozaik","tag-dugovi","tag-financijska-pismenost","tag-krediti"],"_links":{"self":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/134243","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/comments?post=134243"}],"version-history":[{"count":2,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/134243\/revisions"}],"predecessor-version":[{"id":134245,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/134243\/revisions\/134245"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media\/104976"}],"wp:attachment":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media?parent=134243"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/categories?post=134243"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/tags?post=134243"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}