{"id":12859,"date":"2026-01-11T01:02:53","date_gmt":"2026-01-10T23:02:53","guid":{"rendered":"https:\/\/globefunder.com\/?p=12859"},"modified":"2026-01-11T01:02:54","modified_gmt":"2026-01-10T23:02:54","slug":"budzeta-planotajs","status":"publish","type":"post","link":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/","title":{"rendered":"\u0122imenes Bud\u017eeta Pl\u0101no\u0161ana ar 50\/30\/20 Kalkulatoru"},"content":{"rendered":"\n<p>Izmanto \u0161o bezmaksas 50\/30\/20 bud\u017eeta kalkulatoru, lai acumirkl\u012b sadal\u012btu savus ien\u0101kumus vajadz\u012bb\u0101s, v\u0113lm\u0113s un uzkr\u0101jumos &#8211; un beidzot skaidri saprastu, kur b\u016btu j\u0101non\u0101k tavai naudai.<\/p>\n\n\n\n<p>\u0160is kalkulators balst\u0101s uz p\u0101rbaud\u012bto 50\/30\/20 noteikumu &#8211; vienk\u0101r\u0161u bud\u017eeta pl\u0101no\u0161anas metodi, kas pal\u012bdz:<\/p>\n\n\n\n<ul class=\"wp-block-list intli\">\n<li>segt ikdienas nepiecie\u0161am\u0101s izmaksas bez stresa,<\/li>\n\n\n\n<li>t\u0113r\u0113t bez vainas saj\u016btas liet\u0101m, kas sag\u0101d\u0101 prieku,<\/li>\n\n\n\n<li>autom\u0101tiski veidot uzkr\u0101jumus.<\/li>\n<\/ul>\n\n\n\n<p>Neatkar\u012bgi no t\u0101, vai bud\u017eetu pl\u0101no pirmo reizi vai m\u0113\u0123ini sak\u0101rtot nestr\u0101d\u0101jo\u0161u sist\u0113mu, \u0161is r\u012bks sniegs skaidr\u012bbu da\u017eu min\u016b\u0161u laik\u0101.<\/p>\n\n\n\n<section class=\"gf-503020\" aria-label=\"50\/30\/20 bud\u017eeta kalkulators\">\n  <div class=\"gf-card\">\n    <header class=\"gf-header\">\n      <h2 class=\"gf-title\">50\/30\/20 Bud\u017eeta kalkulators<\/h2>\n      <p class=\"gf-subtitle\">\n        Izmanto 50\/30\/20 noteikumu, lai p\u0113c neto ien\u0101kumiem apr\u0113\u0137in\u0101tu praktisku sadal\u012bjumu starp vajadz\u012bb\u0101m, dz\u012bvesstila t\u0113ri\u0146iem un uzkr\u0101jumiem.\n      <\/p>\n    <\/header>\n\n    <div class=\"gf-controls\" role=\"group\" aria-label=\"Ien\u0101kumu ievade\">\n      <div class=\"gf-field\">\n        <label class=\"gf-label\" for=\"gfIncome\">Neto ien\u0101kumi<\/label>\n        <p class=\"gf-hint\">Ien\u0101kumi p\u0113c nodok\u013ciem un oblig\u0101tajiem atvilkumiem<\/p>\n\n        <div class=\"gf-inputrow\">\n          <select class=\"gf-select\" id=\"gfCurrency\" aria-label=\"Val\u016bta\">\n            <option value=\"\u20ac\">\u20ac EUR<\/option>\n            <option value=\"$\">$ USD<\/option>\n            <option value=\"\u00a3\">\u00a3 GBP<\/option>\n          <\/select>\n\n          <input\n            id=\"gfIncome\"\n            class=\"gf-input\"\n            type=\"text\"\n            inputmode=\"decimal\"\n            placeholder=\"2500\"\n            autocomplete=\"off\"\n            aria-describedby=\"gfIncomeHelp\"\n          \/>\n        <\/div>\n\n        <div class=\"gf-help\" id=\"gfIncomeHelp\">\n          Padoms: ievadi tikai skait\u013cus (piem., 2500 vai 2500.50). Ievietot\u0101s v\u0113rt\u012bbas ar komatiem vai atstarp\u0113m ar\u012b darbosies.\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"gf-resultswrap\" aria-live=\"polite\">\n      <div class=\"gf-resultshead\">\n        <h3 class=\"gf-results-title\">Ieteicamais sadal\u012bjums<\/h3>\n        <div class=\"gf-summary\" id=\"gfSummary\">Ievadi summu, lai redz\u0113tu sadal\u012bjumu.<\/div>\n      <\/div>\n\n      <div class=\"gf-results\">\n        <article class=\"gf-box\">\n          <div class=\"gf-box-top\">\n            <div class=\"gf-pill\">50%<\/div>\n            <a href=\"#vajadzibu-budzets\" class=\"gf-box-title\">Vajadz\u012bbas<\/a>\n          <\/div>\n          <div class=\"gf-box-amount\" id=\"gfNeeds\">\u2014<\/div>\n          <div class=\"gf-box-desc\">\n            M\u0101joklis, komun\u0101lie maks\u0101jumi, p\u0101rtika, transports, apdro\u0161in\u0101\u0161ana, minim\u0101lie par\u0101du maks\u0101jumi.\n          <\/div>\n        <\/article>\n\n        <article class=\"gf-box\">\n          <div class=\"gf-box-top\">\n            <div class=\"gf-pill\">30%<\/div>\n            <a href=\"#velmju-budzets\" class=\"gf-box-title\">V\u0113lmes<\/a>\n          <\/div>\n          <div class=\"gf-box-amount\" id=\"gfWants\">\u2014<\/div>\n          <div class=\"gf-box-desc\">\n            \u0112\u0161ana \u0101rpus m\u0101jas, izklaide, abonementi, ce\u013cojumi, pirkumi, kas nav pirm\u0101s nepiecie\u0161am\u012bbas.\n          <\/div>\n        <\/article>\n\n        <article class=\"gf-box\">\n          <div class=\"gf-box-top\">\n            <div class=\"gf-pill\">20%<\/div>\n            <a href=\"#ietaupijumu-budzets\" class=\"gf-box-title\">Uzkr\u0101jumi<\/a>\n          <\/div>\n          <div class=\"gf-box-amount\" id=\"gfSavings\">\u2014<\/div>\n          <div class=\"gf-box-desc\">\n            Dro\u0161\u012bbas spilvens, ieguld\u012bjumi, pensija un papildu par\u0101du atmaksa virs minim\u0101lajiem maks\u0101jumiem.\n          <\/div>\n        <\/article>\n      <\/div>\n\n      <div class=\"gf-footnote\">\n        50\/30\/20 noteikums ir visp\u0101r\u012bga vadl\u012bnija. Piel\u0101go sadal\u012bjumu sav\u0101m fiks\u0113taj\u0101m izmaks\u0101m, m\u0113r\u0137iem un riska tolerancei.\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.gf-card{background:#f0f0f0;border:1px solid #e2e8f0;border-radius:16px;padding:22px;box-shadow:0 8px 24px rgba(15,23,42,.06)}.gf-header{text-align:center;margin-bottom:16px}.gf-title{margin:0;font-size:28px;letter-spacing:-.02em}.gf-subtitle{margin:10px auto 0;max-width:760px;font-size:14px;color:#475569;line-height:1.55}.gf-controls,.gf-resultswrap{margin-top:18px}.gf-label{display:block;font-weight:800;margin-bottom:6px}.gf-box-amount,.gf-box-title,.gf-pill{font-weight:900}.gf-hint{margin:0 0 10px;font-size:12px;color:#64748b}.gf-inputrow{display:grid;grid-template-columns:120px 1fr;gap:10px;align-items:center}.gf-input,.gf-select{height:46px;border-radius:12px;border:1px solid #cbd5e1;background:#fff;font-size:15px}.gf-select{padding:0 12px}.gf-input{padding:0 14px;font-size:18px;letter-spacing:.2px;outline:0}.gf-input:focus{border-color:#3b82f6;box-shadow:0 0 0 4px rgba(59,130,246,.14)}.gf-help{margin-top:8px;font-size:12px;color:#64748b}.gf-resultshead{display:flex;justify-content:space-between;gap:12px;align-items:baseline;flex-wrap:wrap;border-top:1px dashed #cbd5e1;padding-top:16px;margin-top:10px}.gf-results-title{margin:0;font-size:16px;font-weight:900}.gf-summary{font-size:13px;color:#475569}.gf-results{margin-top:14px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.gf-box{border:1px solid #e2e8f0;border-radius:14px;padding:14px;background:#fff;box-shadow:0 6px 16px rgba(15,23,42,.05)}.gf-box-top{display:flex;align-items:center;gap:10px;margin-bottom:10px}.gf-pill{font-size:12px;padding:6px 10px;border-radius:999px;background:#eff6ff;border:1px solid #dbeafe;color:#1d4ed8}.gf-box-amount{font-size:22px;letter-spacing:-.01em;margin:2px 0 8px}.gf-box-desc,.gf-footnote{font-size:12px;color:#64748b}.gf-box-desc{line-height:1.45}.gf-footnote{margin-top:14px;text-align:center}@media (max-width:860px){.gf-inputrow,.gf-results{grid-template-columns:1fr}}\n<\/style>\n\n<script>\n  (function () {\n    const incomeEl = document.getElementById(\"gfIncome\");\n    const currencyEl = document.getElementById(\"gfCurrency\");\n    const needsEl = document.getElementById(\"gfNeeds\");\n    const wantsEl = document.getElementById(\"gfWants\");\n    const savingsEl = document.getElementById(\"gfSavings\");\n    const summaryEl = document.getElementById(\"gfSummary\");\n\n    function parseAmount(value) {\n      if (!value) return 0;\n\n      let s = String(value).trim();\n\n      s = s.replace(\/\\s|\\u00A0\/g, \"\");\n\n      const hasComma = s.includes(\",\");\n      const hasDot = s.includes(\".\");\n\n      if (hasComma && hasDot) {\n        s = s.replace(\/,\/g, \"\");\n      } else if (hasComma && !hasDot) {\n        s = s.replace(\/,\/g, \".\");\n      }\n\n      s = s.replace(\/[^0-9.]\/g, \"\");\n\n      const parts = s.split(\".\");\n      if (parts.length <= 2) return Number(s) || 0;\n      return Number(parts[0] + \".\" + parts.slice(1).join(\"\")) || 0;\n    }\n\n    function formatMoney(amount, currencySymbol) {\n      if (!isFinite(amount) || amount <= 0) return \"\u2014\";\n      const formatted = amount.toLocaleString(undefined, {\n        minimumFractionDigits: 2,\n        maximumFractionDigits: 2\n      });\n      return currencySymbol + \" \" + formatted;\n    }\n\n    function formatCompact(amount, currencySymbol) {\n      if (!isFinite(amount) || amount <= 0) return \"\";\n      const formatted = amount.toLocaleString(undefined, {\n        minimumFractionDigits: 0,\n        maximumFractionDigits: 2\n      });\n      return currencySymbol + \" \" + formatted;\n    }\n\n    function update() {\n      const income = parseAmount(incomeEl.value);\n      const cur = currencyEl.value;\n\n      const needs = income * 0.50;\n      const wants = income * 0.30;\n      const savings = income * 0.20;\n\n      needsEl.textContent = formatMoney(needs, cur);\n      wantsEl.textContent = formatMoney(wants, cur);\n      savingsEl.textContent = formatMoney(savings, cur);\n\n      summaryEl.textContent = income > 0\n        ? \"Balst\u012bts uz \" + formatCompact(income, cur) + \" neto ien\u0101kumiem.\"\n        : \"Ievadi summu, lai redz\u0113tu sadal\u012bjumu.\";\n    }\n\n    incomeEl.addEventListener(\"input\", update);\n    currencyEl.addEventListener(\"change\", update);\n\n    incomeEl.value = \"2500\";\n    update();\n  })();\n<\/script>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 sadal\u012bt izdevumus &#8211; Person\u012bg\u0101 bud\u017eeta kategorijas<\/h2>\n\n\n\n<p>Pamatprincips ir sadal\u012bt ien\u0101kumus <strong>p\u0113c nodok\u013cu nomaksas<\/strong> tr\u012bs bud\u017eeta kategorij\u0101s: 50% tiek atv\u0113l\u0113ti vajadz\u012bb\u0101m, 30% &#8211; v\u0113lm\u0113m un 20% &#8211; uzkr\u0101jumiem. Daudzi uztraucas par to, kur vi\u0146i t\u0113r\u0113 naudu un vai vi\u0146i to dara pareizi. \u0160\u0101ds princips lieliski pal\u012bdz \u0161\u012bs raizes nolikt mal\u0101 un pa\u013cauties uz sist\u0113mu, kas pal\u012bdz sak\u0101rtot ikdienas t\u0113ri\u0146us atbilsto\u0161\u0101s kategorij\u0101s, lai sekotu l\u012bdzi cik un kam b\u016btu nepiecie\u0161ams atlicin\u0101t. \u0160\u0101di sagrup\u0113jot izdevumus, j\u016bs varat sekot l\u012bdzi izdevumiem un zin\u0101t, cik daudz, un ko varat at\u013cauties. S\u012bk\u0101k apskat\u012bsim katru izdevumu kategoriju un to, kas taj\u0101 ietilpst.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vajadzibu-budzets\">Vajadz\u012bbu bud\u017eets \u2013 50%<\/h3>\n\n\n\n<p><strong>Vajadz\u012bbas<\/strong> ir liel\u0101k\u0101 bud\u017eeta kategorija no vis\u0101m. \u0160\u012bs ir j\u016bsu saist\u012bbas un lietas, no kur\u0101m j\u016bs nevarat izvair\u012bties:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list intli\">\n<li>Hipot\u0113ka (Minim\u0101lais ikm\u0113ne\u0161a maks\u0101jums)<\/li>\n\n\n\n<li>\u012ares maks\u0101jumi<\/li>\n\n\n\n<li>Komun\u0101lie maks\u0101jumi (Elektr\u012bba, g\u0101ze, atkritumu izve\u0161ana, apkure, u.c.)<\/li>\n\n\n\n<li>Apdro\u0161in\u0101\u0161ana (Nekustam\u0101 \u012bpa\u0161uma apdro\u0161in\u0101\u0161ana, dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana, OCTA, Kasko apdro\u0161in\u0101\u0161ana, u.c.)<\/li>\n\n\n\n<li>P\u0101rtika<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul id=\"block-057f0697-4935-4d3e-9e00-3a81604ffe6f\" class=\"wp-block-list intli\">\n<li>Telefona r\u0113\u0137ins<\/li>\n\n\n\n<li>Kred\u012bts (Piem\u0113ram, stud\u0113jo\u0161o kred\u012bts, auto l\u012bzings, u.c.)<\/li>\n\n\n\n<li>B\u0113rnu apr\u016bpe<\/li>\n\n\n\n<li>Vesel\u012bbas izdevumi<\/li>\n\n\n\n<li>U.c.&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"velmju-budzets\">V\u0113lmju bud\u017eets \u2013 30%<\/h3>\n\n\n\n<p>J\u016bsu bud\u017eeta pat\u012bkam\u0101k\u0101 da\u013ca. \u0160\u012b da\u013ca attiecas uz izklaidi, hobijiem, stilu, skaistumu utt. \u0160eit ir da\u017ei no piem\u0113riem:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list intli\">\n<li>Ap\u0123\u0113rbs<\/li>\n\n\n\n<li>Da\u017e\u0101di uzlabojumi (Jauns telefons, m\u0113beles, uzlabojumi m\u0101j\u0101s, u.c.)<\/li>\n\n\n\n<li>\u0112\u0161ana \u0101rpus m\u0101j\u0101m (Restor\u0101ni, kafejn\u012bcas, u.c.)<\/li>\n\n\n\n<li>D\u0101vanas<\/li>\n\n\n\n<li>Ziedojumi<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul id=\"block-a169e8d6-8731-4c06-a09e-31268b9cbb33\" class=\"wp-block-list intli\">\n<li>Kino<\/li>\n\n\n\n<li>Atva\u013cin\u0101jumi<\/li>\n\n\n\n<li>Ce\u013cojumi<\/li>\n\n\n\n<li>U.c.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ietaupijumu-budzets\">Uzkr\u0101jumu bud\u017eets \u2013 20%<\/h3>\n\n\n\n<p>\u0160is bud\u017eets r\u016bp\u0113jas par j\u016bsu n\u0101kotni un sniedz jums miera saj\u016btu \u0101rk\u0101rtas situ\u0101cij\u0101s. Pareizs uzkr\u0101jumu pl\u0101ns bie\u017ei vien ir iemesls, kas pal\u012bdz cilv\u0113kiem sasniegt finansi\u0101lo neatkar\u012bbu un dod iesp\u0113ju priek\u0161laic\u012bgi doties pensij\u0101, ja t\u0101da v\u0113lme ir radusies. Ja pl\u0101nojat savus ietaup\u012bjumus laic\u012bgi, j\u016bs varat sasniegt t\u0101du rezult\u0101tu, ka jau p\u0113c 15 gadiem (vai pat maz\u0101k) j\u016bsu pas\u012bvie ien\u0101kumi var p\u0101rsniegt j\u016bsu regul\u0101ros ien\u0101kumus no ikdienas darba.<\/p>\n\n\n\n<p>\u0160eit ir da\u017ei ietaup\u012bjumu kategorijas piem\u0113ri:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul class=\"wp-block-list\">\n<li>\u0100rk\u0101rtas situ\u0101ciju fonds<\/li>\n\n\n\n<li>Papildu par\u0101du maks\u0101jumi (Piem\u0113ram, liel\u0101ka hipotek\u0101r\u0101 kred\u012bta atmaksas summa, kas p\u0101rsniedz minim\u0101li noteikto summu.)<\/li>\n\n\n\n<li>Bankas uzkr\u0101jumi<\/li>\n\n\n\n<li>Ieguld\u012bjumi fondos<\/li>\n\n\n\n<li>Ieguld\u012bjumi akciju tirgos (Piem\u0113ram, <a href=\"https:\/\/globefunder.com\/lv\/revolut-akciju-pirksana\/\">akciju ieg\u0101de Revolut<\/a> platform\u0101)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<ul id=\"block-259ab68b-5312-4275-b336-dcf8d1303175\" class=\"wp-block-list intli\">\n<li>P2P ieguld\u012bjumi<\/li>\n\n\n\n<li><a href=\"https:\/\/globefunder.com\/lv\/etoro-atsauksmes\/\">Ieguld\u012bjumi kriptoval\u016bt\u0101s<\/a><\/li>\n\n\n\n<li>Iemaksas 3. pensiju l\u012bmen\u012b<\/li>\n\n\n\n<li>U.c.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">50\/30\/20 bud\u017eeta piem\u0113rs<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"652\" src=\"https:\/\/globefunder.com\/wp-content\/uploads\/budzeta-planotaja-izdevumi.webp\" alt=\"Person\u012bgais bud\u017eets - izdevumu kategorijas\" class=\"wp-image-12870\" title=\"Family of three people\" srcset=\"https:\/\/globefunder.com\/wp-content\/uploads\/budzeta-planotaja-izdevumi.webp 1024w, https:\/\/globefunder.com\/wp-content\/uploads\/budzeta-planotaja-izdevumi-300x191.webp 300w, https:\/\/globefunder.com\/wp-content\/uploads\/budzeta-planotaja-izdevumi-150x96.webp 150w, https:\/\/globefunder.com\/wp-content\/uploads\/budzeta-planotaja-izdevumi-768x489.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Kad b\u016bsiet pieradu\u0161i sadal\u012bt savus ien\u0101kumus tr\u012bs liel\u0101s kategorij\u0101s, j\u016bs jut\u012bsieties dro\u0161\u0101k un finansi\u0101li stabil\u0101k ar saviem finan\u0161u l\u0113mumiem. \u0160eit ir piem\u0113rs tam, k\u0101 izskat\u012btos 50\/30\/20 bud\u017eeta sadal\u012bjums \u0123imenei, kur\u0101 ir divi vec\u0101ki un viens b\u0113rns:<\/p>\n\n\n\n<ul class=\"wp-block-list intli\">\n<li>Pie\u0146emsim, ka abi vec\u0101ki kop\u0101 nopelna ap 4000 EUR m\u0113nes\u012b p\u0113c nodok\u013cu nomaksas.<\/li>\n\n\n\n<li>\u0122imenei jau ir izveidots \u0101rk\u0101rtas izdevumu fonds 6000 EUR v\u0113rt\u012bb\u0101.<\/li>\n\n\n\n<li>Tas noz\u012bm\u0113, ka v\u0113lamais naudas sadal\u012bjums balstoties uz 50\/30\/20 bud\u017eeta principu b\u016btu: Vajadz\u012bbas &#8211; \u20ac2,000, V\u0113lmes &#8211; \u20ac1,200 un Uzkr\u0101jumi \u20ac800.  <\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Izdevumi<\/th><th class=\"has-text-align-center\" data-align=\"center\">Summa<\/th><th class=\"has-text-align-center\" data-align=\"center\">Procentu\u0101li no visiem ien\u0101kumiem<\/th><\/tr><\/thead><tbody><tr><td>Hipotek\u0101rais kred\u012bts<\/td><td class=\"has-text-align-center\" data-align=\"center\">380<\/td><td class=\"has-text-align-center\" data-align=\"center\">9,50%<\/td><\/tr><tr><td>Komun\u0101lie maks\u0101jumi<\/td><td class=\"has-text-align-center\" data-align=\"center\">150<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,75%<\/td><\/tr><tr><td>P\u0101rtika<\/td><td class=\"has-text-align-center\" data-align=\"center\">400<\/td><td class=\"has-text-align-center\" data-align=\"center\">10,00%<\/td><\/tr><tr><td>B\u0113rna apr\u016bpe<\/td><td class=\"has-text-align-center\" data-align=\"center\">350<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,75%<\/td><\/tr><tr><td>Apdro\u0161in\u0101\u0161ana (-s)<\/td><td class=\"has-text-align-center\" data-align=\"center\">90<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,25%<\/td><\/tr><tr><td>Transporta izdevumi<\/td><td class=\"has-text-align-center\" data-align=\"center\">250<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,25%<\/td><\/tr><tr><td>Telefona izdevumi <\/td><td class=\"has-text-align-center\" data-align=\"center\">60<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,50%<\/td><\/tr><tr><td>Izgl\u012bt\u012bba<\/td><td class=\"has-text-align-center\" data-align=\"center\">120<\/td><td class=\"has-text-align-center\" data-align=\"center\">3,00%<\/td><\/tr><tr><td>Vesel\u012bbas apr\u016bpe<\/td><td class=\"has-text-align-center\" data-align=\"center\">80<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,00%<\/td><\/tr><tr><td>Internets un TV<\/td><td class=\"has-text-align-center\" data-align=\"center\">45<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,13%<\/td><\/tr><tr><td>Kop\u0113jie izdevumi<strong> Vajadz\u012bbu <\/strong>kategorij\u0101:<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20ac1,925<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>48,13% (No 50% pie\u013caujamajiem)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Izdevumi<\/th><th class=\"has-text-align-center\" data-align=\"center\">Summa<\/th><th class=\"has-text-align-center\" data-align=\"center\"><meta charset=\"utf-8\">Procentu\u0101li no visiem ien\u0101kumiem<\/th><\/tr><\/thead><tbody><tr><td>\u0112\u0161ana \u0101rpus m\u0101j\u0101m<\/td><td class=\"has-text-align-center\" data-align=\"center\">160<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,00%<\/td><\/tr><tr><td>Izklaide un hobiji<\/td><td class=\"has-text-align-center\" data-align=\"center\">170<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,25%<\/td><\/tr><tr><td>D\u0101vanas<\/td><td class=\"has-text-align-center\" data-align=\"center\">100<\/td><td class=\"has-text-align-center\" data-align=\"center\">2,50%<\/td><\/tr><tr><td>Ce\u013co\u0161ana<\/td><td class=\"has-text-align-center\" data-align=\"center\">200<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,00%<\/td><\/tr><tr><td>Uzlabojumi m\u0101j\u0101s<\/td><td class=\"has-text-align-center\" data-align=\"center\">70<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,75%<\/td><\/tr><tr><td>Ap\u0123\u0113rbs<\/td><td class=\"has-text-align-center\" data-align=\"center\">160<\/td><td class=\"has-text-align-center\" data-align=\"center\">4,00%<\/td><\/tr><tr><td>Svaru z\u0101les apmekl\u0113jums<\/td><td class=\"has-text-align-center\" data-align=\"center\">25<\/td><td class=\"has-text-align-center\" data-align=\"center\">0,63%<\/td><\/tr><tr><td>Citi izdevumi<\/td><td class=\"has-text-align-center\" data-align=\"center\">50<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,25%<\/td><\/tr><tr><td><strong><meta charset=\"utf-8\"><\/strong>Kop\u0113jie izdevumi<strong><strong> V\u0113lmju <\/strong><\/strong>kategorij\u0101:<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20ac935<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>23,38% (<meta charset=\"utf-8\"><strong>No 30% pie\u013caujamajiem<\/strong>)<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Izdevumi<\/th><th class=\"has-text-align-center\" data-align=\"center\">Summa<\/th><th class=\"has-text-align-center\" data-align=\"center\">Procentu\u0101li no visiem ien\u0101kumiem<\/th><\/tr><\/thead><tbody><tr><td>Papildu maks\u0101jumi hipotek\u0101r\u0101 kred\u012bta seg\u0161anai<\/td><td class=\"has-text-align-center\" data-align=\"center\">250<\/td><td class=\"has-text-align-center\" data-align=\"center\">6,25%<\/td><\/tr><tr><td>Ieguld\u012bjumi akciju tirgos<\/td><td class=\"has-text-align-center\" data-align=\"center\">350<\/td><td class=\"has-text-align-center\" data-align=\"center\">8,75%<\/td><\/tr><tr><td>P2P invest\u012bcijas<\/td><td class=\"has-text-align-center\" data-align=\"center\">200<\/td><td class=\"has-text-align-center\" data-align=\"center\">5,00%<\/td><\/tr><tr><td><strong><meta charset=\"utf-8\"><\/meta><\/strong>Kop\u0113jie izdevumi <strong>Uzkr\u0101jumu<\/strong> kategorij\u0101:<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u20ac800<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>20,00% <meta charset=\"utf-8\"><strong>(<meta charset=\"utf-8\"><strong>No 20% pie\u013caujamajiem<\/strong>)<\/strong><\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Jums b\u016bs savas izdevumu kategorijas, ta\u010du da\u017eas no t\u0101m var p\u0101rkl\u0101ties ar augst\u0101k piem\u0113r\u0101 redzamaj\u0101m. \u0160ie ir tikai skait\u013cu piem\u0113ri, lai ilustr\u0113tu, k\u0101 tas var\u0113tu izskat\u012bties. Iepriek\u0161 min\u0113taj\u0101 piem\u0113r\u0101 varat redz\u0113t, ka p\u0113c visiem izdevumiem ir paliku\u0161i p\u0101ri da\u013ca l\u012bdzek\u013cu. M\u0113nes\u012b \u0123imene izt\u0113r\u0113ja \u20ac3,660 un tas ir 91,50% no visiem ien\u0101kumiem. J\u016bsu zi\u0146\u0101 ir izlemt, vai v\u0113laties ieguld\u012bt vair\u0101k l\u012bdzek\u013cu savos uzkr\u0101jumos vai varb\u016bt atlikt to ce\u013cojumam. Galvenais ir tas, ka j\u016bs sadal\u0101t visus ien\u0101kumus tikl\u012bdz sa\u0146emat algas maks\u0101jumu vai atl\u012bdz\u012bbu par savu darbu. <\/p>\n\n\n\n<p>Piem\u0113ram, ja lietojat <a href=\"https:\/\/www.swedbank.lv\/private\" target=\"_blank\" rel=\"noreferrer noopener\">Swedbank<\/a>, tad priv\u0101tajiem klientiem ir iesp\u0113ja bez papildu maksas izveidot vair\u0101kus kontus, kur varat ar\u012b br\u012bvi p\u0101rskait\u012bt naudu, lai visi l\u012bdzek\u013ci nejauktos kop\u0101 un b\u016btu viegl\u0101k p\u0101rdal\u012bt ien\u0101kumus atbilsto\u0161i izdevumu kategorij\u0101m. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"budzeta-planotajs-excel\">50\/30\/20 \u0123imenes bud\u017eeta pl\u0101not\u0101js excel (Google drive) <\/h2>\n\n\n\n<p>Ja esat jau izm\u0113\u0123in\u0101jis m\u016bsu augst\u0101k public\u0113to kalkulatoru un v\u0113laties saglab\u0101t savas \u0123imenes bud\u017eeta datus excel veidn\u0113, tad varat izmantot saiti zem\u0101k. Lai failu br\u012bvi redi\u0123\u0113tu, tas jums ir j\u0101saglab\u0101 uz sava Google Drive konta, ko varat izdar\u012bt bez maksas p\u0101rkop\u0113jot to. 50\/30\/20 bud\u017eeta pl\u0101no\u0161anas veidne ir pied\u0101v\u0101 padzi\u013cin\u0101tu j\u016bsu izdevumu kategoriju anal\u012bzi. \u0160\u012b Excel veidne pal\u012bdz\u0113s izprast j\u016bsu ikdienas t\u0113ri\u0146us. Lai izdodas!<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><div class=\"gb-button-wrapper gb-button-wrapper-f1df1663\">\n\n<a class=\"gb-button gb-button-853d6ab4\" href=\"https:\/\/docs.google.com\/spreadsheets\/d\/12ASQ2bFNo6XiiPl6W8-5wnkeMgOLimVJQH08qflQC3Y\/edit?usp=sharing\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" data-prefix=\"fas\" data-icon=\"cloud-download-alt\" class=\"svg-inline--fa fa-cloud-download-alt fa-w-20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 640 512\"><path fill=\"currentColor\" d=\"M537.6 226.6c4.1-10.7 6.4-22.4 6.4-34.6 0-53-43-96-96-96-19.7 0-38.1 6-53.3 16.2C367 64.2 315.3 32 256 32c-88.4 0-160 71.6-160 160 0 2.7.1 5.4.2 8.1C40.2 219.8 0 273.2 0 336c0 79.5 64.5 144 144 144h368c70.7 0 128-57.3 128-128 0-61.9-44-113.6-102.4-125.4zm-132.9 88.7L299.3 420.7c-6.2 6.2-16.4 6.2-22.6 0L171.3 315.3c-10.1-10.1-2.9-27.3 11.3-27.3H248V176c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v112h65.4c14.2 0 21.4 17.2 11.3 27.3z\"><\/path><\/svg><\/span><span class=\"gb-button-text\">Lejupl\u0101d\u0113 50\/30\/20 bud\u017eeta sagatavi Google Drive<\/span><\/a>\n\n<\/div><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Da\u017ei padomi bud\u017eeta veido\u0161anai<\/h3>\n\n\n\n<ul style=\"background-color:#e7f5fe\" class=\"wp-block-list intli has-background\">\n<li>M\u0113\u0123iniet sadal\u012bt katru izdevumu kategoriju atsevi\u0161\u0137os kontos, lai b\u016btu viegl\u0101k izsekot saviem l\u012bdzek\u013ciem.<\/li>\n\n\n\n<li>Ja jums nav izveidots \u0101rk\u0101rtas fonds &#8211; noteikti izveidojiet to. Labs noteikums ir t\u0101ds, ka tam ir j\u0101sedz j\u016bsu vajadz\u012bbas vismaz tr\u012bs m\u0113ne\u0161u apm\u0113r\u0101. Ja tas ir maz\u0101ks par \u0161o, vai jums ir bijusi \u0101rk\u0101rtas situ\u0101cija, vispirms papildiniet \u0101rk\u0101rtas fondu, pirms atgrie\u017eaties pie ieguld\u012bjumiem vai cita veida uzkr\u0101jumiem.<\/li>\n\n\n\n<li>Izmantojiet 50\/30\/20 bud\u017eeta kalkulatoru, lai apr\u0113\u0137in\u0101tu visus savus ien\u0101kumus, t.i., kad p\u0101rdodat k\u0101du no vecaj\u0101m liet\u0101m vai sa\u0146emat piemaksu darb\u0101. Saglab\u0101jiet \u0161\u012bs lapas adresi, lai j\u016bs var\u0113tu tai viegli piek\u013c\u016bt, kad sa\u0146emsiet n\u0101kamo maks\u0101jumu un jums b\u016bs nepiecie\u0161ams sadal\u012bt savus ien\u0101kumus izdevumu kategorij\u0101s.<\/li>\n\n\n\n<li>Sekojot l\u012bdzi sav\u0101m finans\u0113m, p\u0113c k\u0101da laika j\u016bs s\u0101ksiet saskat\u012bt iesp\u0113jas, kur varat ietaup\u012bt bez \u012bpa\u0161as piep\u016bles.<\/li>\n<\/ul>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1609791300512\"><strong class=\"schema-faq-question\">K\u0101p\u0113c ir svar\u012bgi izveidot bud\u017eeta pl\u0101nu?<\/strong> <p class=\"schema-faq-answer\">Bez bud\u017eeta pl\u0101na ir gr\u016bti sekot l\u012bdzi sav\u0101m finans\u0113m un izsekot saviem izdevumiem. Bie\u017ei vien ir pat gr\u016bti izlemt, vai n\u0101kamais pirkums ir laba vai slikta ideja. Izmantojot pareizu finan\u0161u pl\u0101nu, jums b\u016bs vienk\u0101r\u0161a sist\u0113ma, lai pie\u0146emtu p\u0101rdom\u0101tus finan\u0161u l\u0113mumus un nepie\u013cautu mu\u013c\u0137\u012bgus pirkumus, ko \u012bsti nevarat at\u013cauties. Izmantojot 50\/30\/20 bud\u017eeta principu, j\u016bs sagatavojaties neparedz\u0113t\u0101m \u0101rk\u0101rtas situ\u0101cij\u0101m, par\u016bp\u0113jaties par sav\u0101m vecumdien\u0101m, un kopum\u0101, ir pat\u012bkami skat\u012bties k\u0101 j\u016bsu nauda darbojas j\u016bsu lab\u0101.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1609791319729\"><strong class=\"schema-faq-question\">Ko dar\u012bt, ja mani ien\u0101kumi nav pietiekami lieli, lai atliktu 20%?<\/strong> <p class=\"schema-faq-answer\">Ja atrodaties situ\u0101cij\u0101, ka nevarat at\u013cauties atlikt 20% no saviem ien\u0101kumiem, m\u0113\u0123iniet s\u0101kum\u0101 piel\u0101got modeli uz maz\u0101ku procentu\u0101lo sadal\u012bjumu. T.i. Vismaz 5% vai 10%. Un m\u0113\u0123iniet skat\u012bties uz \u0161o modeli k\u0101 m\u0113r\u0137i, kas jums j\u0101sasniedz. Kad esat to sasniedzis, m\u0113\u0123iniet pietur\u0113ties pie t\u0101 p\u0113c iesp\u0113jas ilg\u0101k.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1609791335373\"><strong class=\"schema-faq-question\">Esmu \u0101r\u0161tata darbinieks vai uz\u0146\u0113m\u0113js un katru m\u0113nesi neg\u016bstu vien\u0101dus ien\u0101kumus. Ko man dar\u012bt?<\/strong> <p class=\"schema-faq-answer\">Lieliski, tas noz\u012bm\u0113, ka jums var b\u016bt m\u0113ne\u0161i, kad j\u016bsu ien\u0101kumi ir liel\u0101ki nek\u0101 jums nepiecie\u0161ams, lai segtu ikdienas izdevumus, un otr\u0101di. Vienk\u0101r\u0161i izmantojiet \u0161o kalkulatoru katram sa\u0146emtajam maks\u0101jumam un, ja iesp\u0113jams, iev\u0113rojiet modeli.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1628497768387\"><strong class=\"schema-faq-question\">Kas ir 50 30 20 bud\u017eeta princips?<\/strong> <p class=\"schema-faq-answer\"><meta charset=\"utf-8\"\/>50\/30\/20 bud\u017eeta principu 2005. gad\u0101 ieviesa amerik\u0101\u0146u senatore Elizabete Vorena. Daudzas m\u0101jsaimniec\u012bbas un priv\u0101tpersonas m\u016bsdien\u0101s izmanto bud\u017eeta pl\u0101no\u0161anas principu, lai sadal\u012btu ien\u0101kumus p\u0113c nodok\u013cu nomaksas vair\u0101k\u0101s izdevumu kategorij\u0101s. \u0160\u012bs kategorijas ir vajadz\u012bbas, v\u0113lmes un ietaup\u012bjumi. \u0160is princips pal\u012bdz uztur\u0113t vesel\u012bgu un l\u012bdzsvarotu discipl\u012bnu person\u012bgaj\u0101s finans\u0113s un nesatraukties katru reizi, kad dom\u0101jat, vai attiec\u012bgais pirkums ir nepiecie\u0161ams un varat to at\u013cauties.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1628498162961\"><strong class=\"schema-faq-question\">K\u0101 pl\u0101not savu naudu, izmantojot 50\u00a020\u00a030 principu?<\/strong> <p class=\"schema-faq-answer\">\u012asum\u0101, sadaliet savus ien\u0101kumus p\u0113c nodok\u013cu nomaksas 3 galvenaj\u0101s kategorij\u0101s: <strong>Vajadz\u012bbas<\/strong> (piem\u0113ram, hipot\u0113ka, \u012bre, apdro\u0161in\u0101\u0161ana, vesel\u012bba, p\u0101rtikas preces utt.), <strong>V\u0113lmes<\/strong> (piem\u0113ram, ap\u0123\u0113rbs, izklaide, m\u0101jas uzlabojumi, ce\u013co\u0161ana utt.) un <strong>Ietaup\u012bjumi<\/strong> &#8211; (piem\u0113ram, ieguld\u012bjumi akcij\u0101s, papildu hipot\u0113kas maks\u0101jumi utt.).<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>50\/30\/20 bud\u017eeta pl\u0101no\u0161anas kalkulators person\u012bgai lieto\u0161anai. Sadaliet savus ien\u0101kumus tr\u012bs galvenaj\u0101s kategorij\u0101s: vajadz\u012bbas, v\u0113lmes un ietaup\u012bjumi. Uzziniet at\u0161\u0137ir\u012bbu un p\u0101rvaldiet savas person\u012bg\u0101s finanses gudri. <\/p>\n","protected":false},"author":2,"featured_media":12896,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-12859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kalkulatori","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0122imenes Bud\u017eeta Pl\u0101no\u0161ana ar 50\/30\/20 Kalkulatoru<\/title>\n<meta name=\"description\" content=\"Bud\u017eeta pl\u0101not\u0101js un 50\/30\/20 kalkulators person\u012bgo finan\u0161u pl\u0101no\u0161anai. 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Sadaliet ien\u0101kumus gudri un izveidojiet finan\u0161u pl\u0101nu savai \u0123imenei.","twitter_image":"https:\/\/globefunder.com\/wp-content\/uploads\/50-30-20-budzeta-planotajs.jpg","twitter_creator":"@GlobeFunder","twitter_site":"@GlobeFunder","twitter_misc":{"Written by":"Martins Kaisers","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#article","isPartOf":{"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/"},"author":{"name":"Martin Kaiser","@id":"https:\/\/globefunder.com\/lv\/#\/schema\/person\/84ebd5269aebe22c4229dbe3fdabc27d"},"headline":"\u0122imenes Bud\u017eeta Pl\u0101no\u0161ana ar 50\/30\/20 Kalkulatoru","datePublished":"2026-01-10T23:02:53+00:00","dateModified":"2026-01-10T23:02:54+00:00","mainEntityOfPage":{"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/"},"wordCount":1891,"commentCount":0,"publisher":{"@id":"https:\/\/globefunder.com\/lv\/#organization"},"image":{"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#primaryimage"},"thumbnailUrl":"https:\/\/globefunder.com\/wp-content\/uploads\/50-30-20-budzeta-planotajs.webp","articleSection":["Finan\u0161u kalkulatori"],"inLanguage":"lv-LV","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#respond"]}]},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/","url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/","name":"\u0122imenes Bud\u017eeta Pl\u0101no\u0161ana ar 50\/30\/20 Kalkulatoru","isPartOf":{"@id":"https:\/\/globefunder.com\/lv\/#website"},"primaryImageOfPage":{"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#primaryimage"},"image":{"@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#primaryimage"},"thumbnailUrl":"https:\/\/globefunder.com\/wp-content\/uploads\/50-30-20-budzeta-planotajs.webp","datePublished":"2026-01-10T23:02:53+00:00","dateModified":"2026-01-10T23:02:54+00:00","description":"Bud\u017eeta pl\u0101not\u0101js un 50\/30\/20 kalkulators person\u012bgo finan\u0161u pl\u0101no\u0161anai. 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Martin has a master's degree in Business Administration and a strong passion for online investing.","sameAs":["https:\/\/globefunder.com"],"url":"https:\/\/globefunder.com\/lv\/author\/martin\/"},{"@type":"Question","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791300512","position":1,"url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791300512","name":"K\u0101p\u0113c ir svar\u012bgi izveidot bud\u017eeta pl\u0101nu?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Bez bud\u017eeta pl\u0101na ir gr\u016bti sekot l\u012bdzi sav\u0101m finans\u0113m un izsekot saviem izdevumiem. Bie\u017ei vien ir pat gr\u016bti izlemt, vai n\u0101kamais pirkums ir laba vai slikta ideja. Izmantojot pareizu finan\u0161u pl\u0101nu, jums b\u016bs vienk\u0101r\u0161a sist\u0113ma, lai pie\u0146emtu p\u0101rdom\u0101tus finan\u0161u l\u0113mumus un nepie\u013cautu mu\u013c\u0137\u012bgus pirkumus, ko \u012bsti nevarat at\u013cauties. Izmantojot 50\/30\/20 bud\u017eeta principu, j\u016bs sagatavojaties neparedz\u0113t\u0101m \u0101rk\u0101rtas situ\u0101cij\u0101m, par\u016bp\u0113jaties par sav\u0101m vecumdien\u0101m, un kopum\u0101, ir pat\u012bkami skat\u012bties k\u0101 j\u016bsu nauda darbojas j\u016bsu lab\u0101.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791319729","position":2,"url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791319729","name":"Ko dar\u012bt, ja mani ien\u0101kumi nav pietiekami lieli, lai atliktu 20%?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ja atrodaties situ\u0101cij\u0101, ka nevarat at\u013cauties atlikt 20% no saviem ien\u0101kumiem, m\u0113\u0123iniet s\u0101kum\u0101 piel\u0101got modeli uz maz\u0101ku procentu\u0101lo sadal\u012bjumu. T.i. Vismaz 5% vai 10%. Un m\u0113\u0123iniet skat\u012bties uz \u0161o modeli k\u0101 m\u0113r\u0137i, kas jums j\u0101sasniedz. Kad esat to sasniedzis, m\u0113\u0123iniet pietur\u0113ties pie t\u0101 p\u0113c iesp\u0113jas ilg\u0101k.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791335373","position":3,"url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1609791335373","name":"Esmu \u0101r\u0161tata darbinieks vai uz\u0146\u0113m\u0113js un katru m\u0113nesi neg\u016bstu vien\u0101dus ien\u0101kumus. Ko man dar\u012bt?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Lieliski, tas noz\u012bm\u0113, ka jums var b\u016bt m\u0113ne\u0161i, kad j\u016bsu ien\u0101kumi ir liel\u0101ki nek\u0101 jums nepiecie\u0161ams, lai segtu ikdienas izdevumus, un otr\u0101di. Vienk\u0101r\u0161i izmantojiet \u0161o kalkulatoru katram sa\u0146emtajam maks\u0101jumam un, ja iesp\u0113jams, iev\u0113rojiet modeli.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1628497768387","position":4,"url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1628497768387","name":"Kas ir 50 30 20 bud\u017eeta princips?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"50\/30\/20 bud\u017eeta principu 2005. gad\u0101 ieviesa amerik\u0101\u0146u senatore Elizabete Vorena. Daudzas m\u0101jsaimniec\u012bbas un priv\u0101tpersonas m\u016bsdien\u0101s izmanto bud\u017eeta pl\u0101no\u0161anas principu, lai sadal\u012btu ien\u0101kumus p\u0113c nodok\u013cu nomaksas vair\u0101k\u0101s izdevumu kategorij\u0101s. \u0160\u012bs kategorijas ir vajadz\u012bbas, v\u0113lmes un ietaup\u012bjumi. \u0160is princips pal\u012bdz uztur\u0113t vesel\u012bgu un l\u012bdzsvarotu discipl\u012bnu person\u012bgaj\u0101s finans\u0113s un nesatraukties katru reizi, kad dom\u0101jat, vai attiec\u012bgais pirkums ir nepiecie\u0161ams un varat to at\u013cauties.","inLanguage":"lv-LV"},"inLanguage":"lv-LV"},{"@type":"Question","@id":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1628498162961","position":5,"url":"https:\/\/globefunder.com\/lv\/budzeta-planotajs\/#faq-question-1628498162961","name":"K\u0101 pl\u0101not savu naudu, izmantojot 50\u00a020\u00a030 principu?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u012asum\u0101, sadaliet savus ien\u0101kumus p\u0113c nodok\u013cu nomaksas 3 galvenaj\u0101s kategorij\u0101s: <strong>Vajadz\u012bbas<\/strong> (piem\u0113ram, hipot\u0113ka, \u012bre, apdro\u0161in\u0101\u0161ana, vesel\u012bba, p\u0101rtikas preces utt.), <strong>V\u0113lmes<\/strong> (piem\u0113ram, ap\u0123\u0113rbs, izklaide, m\u0101jas uzlabojumi, ce\u013co\u0161ana utt.) un <strong>Ietaup\u012bjumi<\/strong> - (piem\u0113ram, ieguld\u012bjumi akcij\u0101s, papildu hipot\u0113kas maks\u0101jumi utt.).","inLanguage":"lv-LV"},"inLanguage":"lv-LV"}]}},"_links":{"self":[{"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/posts\/12859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/comments?post=12859"}],"version-history":[{"count":1,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/posts\/12859\/revisions"}],"predecessor-version":[{"id":45779,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/posts\/12859\/revisions\/45779"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/media\/12896"}],"wp:attachment":[{"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/media?parent=12859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/categories?post=12859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globefunder.com\/lv\/wp-json\/wp\/v2\/tags?post=12859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}