{"id":2655,"date":"2023-10-04T22:08:17","date_gmt":"2023-10-04T22:08:17","guid":{"rendered":"https:\/\/invertiscapital.com\/como-calcular-tu-libertad-financiera\/"},"modified":"2023-10-24T15:23:06","modified_gmt":"2023-10-24T15:23:06","slug":"com-calcular-la-vostra-llibertat-financera","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/com-calcular-la-vostra-llibertat-financera\/","title":{"rendered":"Com calcular la vostra llibertat financera"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">De la m\u00e0 de preahorro.com, t&#8217;ensenyem a calcular la teva llibertat financera.<\/p><p class=\"wp-block-paragraph\">En tres senzills passos podr\u00e0s saber quin \u00e9s el teu punt de partida. Tamb\u00e9 podeu fer aquest exercici en qualsevol moment per mesurar el vostre progr\u00e9s.<\/p><p class=\"wp-block-paragraph\"><strong>Pas 1. Calcula de quants diners disposes<\/strong><\/p><p class=\"wp-block-paragraph\">Fes un c\u00e0lcul de quants diners tindries avui mateix si deixessis de treballar. Per aix\u00f2 has de sumar els diners al teu compte corrent, dip\u00f2sits i altres inversions que puguis traduir a diners en efectiu en menys d&#8217;una setmana. Deixa fora del teu c\u00e0lcul el cotxe o la casa perqu\u00e8 vendre-les reduir\u00e0 el teu nivell de vida ia m\u00e9s no els podr\u00e0s traspassar r\u00e0pidament.<\/p><p class=\"wp-block-paragraph\">Inclou tamb\u00e9 la compensaci\u00f3 que cobrar\u00e0s si deixes volunt\u00e0riament la feina.<\/p><p class=\"wp-block-paragraph\">Suma nom\u00e9s els teus diners, no els de la teva parella i elimina mentalment qualsevol ajuda dels teus pares, amics o altres familiars. El que busques amb aquest exercici \u00e9s con\u00e8ixer la teva independ\u00e8ncia al m\u00f3n.<\/p><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2807\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2021\/10\/happy-beautiful-young-woman-with-laptop-computer-at-home-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1027\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\"><strong>Pas 2. Calcula les despeses mensuals<\/strong><\/p><p class=\"wp-block-paragraph\">Esbrina quant gastes cada mes i en qu\u00e8. Inclou les despeses fixes i les despeses variables.<\/p><p class=\"wp-block-paragraph\">Aix\u00f2 s\u00f3n alguns exemples.<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li>Despeses fixes: lloguer o hipoteca, pr\u00e9stec del cotxe, assegurances, subministraments de la llar, gasolina, tel\u00e8fon m\u00f2bil\u2026<\/li><li>Despeses variables: principalment el lleure, per\u00f2 tamb\u00e9 menjar, roba, despeses variables de la llar\u2026<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\">Si les despeses sumen gaireb\u00e9 tant com el que ingresses, aix\u00f2 vol dir que no est\u00e0s estalviant i que els teus ingressos estan pagant b\u00e0sicament les despeses. En aquest cas, la teva llibertat financera ser\u00e0 pr\u00e0cticament nul\u00b7la.<\/p><p class=\"wp-block-paragraph\"><strong> <\/strong><\/p><p class=\"wp-block-paragraph\"><strong>Pas 3. Calcula la teva llibertat financera<\/strong><\/p><p class=\"wp-block-paragraph\">Per fer-ho, fes el seg\u00fcent c\u00e0lcul.<\/p><p class=\"wp-block-paragraph\">Llibertat Financera = Suma de diners disponibles \/ Despesa mensual<\/p><p class=\"wp-block-paragraph\">Per si encara no ho tens clar, et deixem un exemple concret perqu\u00e8 entenguis millor: si disposes de 10.000 euros en cas de deixar la feina i les despeses mensuals s\u00f3n de 1.000 euros, la teva llibertat financera \u00e9s de 10 mesos.<\/p><p class=\"wp-block-paragraph\">Llibertat Financera = 10.000 \/ 1.000 = 10 mesos<\/p><p class=\"wp-block-paragraph\"><strong> <\/strong><\/p><p class=\"wp-block-paragraph\"><strong>Quanta llibertat financera has de tenir?<\/strong><\/p><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2811\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2021\/10\/happines-cheerful-perforated-paper-smiley-face-scaled.jpg\" alt=\"\" width=\"2560\" height=\"866\" \/><\/figure><\/figure><\/p><p class=\"wp-block-paragraph\">No hi ha una quantitat concreta i varia en funci\u00f3 de cada persona i les seves necessitats. N&#8217;hi ha que asseguren que tots hem de tenir un matal\u00e0s de sis mesos de despeses fixes per a imprevistos i altres que eleven la xifra a un any.<\/p><p class=\"wp-block-paragraph\">En conclusi\u00f3, la llibertat financera ha de servir per donar-te tranquil\u00b7litat respecte dels diners. Cada situaci\u00f3 \u00e9s diferent, adapta-ho a la teva.<\/p><h6 class=\"wp-block-heading\">Especial agra\u00efment a preahorro.com<\/h3><h6 class=\"wp-block-heading\">Font de l&#8217;article:<a>https:\/\/preahorro.com\/blog\/como-calcular-tu-libertad-financiera\/<\/a><\/h3>","protected":false},"excerpt":{"rendered":"<p>De la m\u00e0 de preahorro.com, t&#8217;ensenyem a calcular la teva llibertat financera. En tres senzills passos podr\u00e0s saber quin \u00e9s el teu punt de partida. Tamb\u00e9 podeu fer aquest exercici en qualsevol moment per mesurar el vostre progr\u00e9s. Pas 1. Calcula de quants diners disposes Fes un c\u00e0lcul de quants diners tindries avui mateix si [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2534,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[128],"tags":[],"class_list":["post-2655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inversio-i-creixement","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2655","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2655"}],"version-history":[{"count":3,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2655\/revisions"}],"predecessor-version":[{"id":2818,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2655\/revisions\/2818"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2534"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2655"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2655"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}