{"id":382,"date":"2010-09-07T19:19:20","date_gmt":"2010-09-07T16:19:20","guid":{"rendered":"http:\/\/www.rahakool.ee\/pere_eelarve\/?p=382"},"modified":"2010-09-07T19:24:16","modified_gmt":"2010-09-07T16:24:16","slug":"pere-finantsplaan-2010-%e2%80%93-augusti-tulemused","status":"publish","type":"post","link":"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010-%e2%80%93-augusti-tulemused","title":{"rendered":"Pere finantsplaan 2010 \u2013 Augusti tulemused"},"content":{"rendered":"<p>J\u00e4tkan jonnakalt postitusteseeriat &#8211; &#8220;2010 II poolaasta s\u00e4\u00e4stuplaan&#8221;. L\u00fchidalt v\u00f5ib sissejuhatuseks t\u00f5deda fakti, et suvi on pere-eelarvele raske periood. Ma \u00fctleks, et isegi J\u00f5ulud kahvatuvad tavaliselt suvekuude ees. Suvel on lihtsalt nii palju ahvatlusi ja tegevusi, mis k\u00f5ik pere-eelarvest oma osa n\u00f5uavad.<\/p>\n<p>M\u00f5ned n\u00e4ited neist suvekuude riskidest:<\/p>\n<ul>\n<li>igasugused v\u00e4li\u00fcritused (kontserdid, vaba\u00f5huetendused, l\u00f5bus- ja seikluspargid, jne)<\/li>\n<li>sagedasem v\u00e4ljas s\u00f6\u00f6mas k\u00e4imine<\/li>\n<li>suvel peetakse rohkem pulmi<\/li>\n<li>suvel l\u00f5petavad sugulased\/tuttavad\/s\u00f5brad koole<\/li>\n<li>reisimine suvepuhkuse t\u00f5ttu<\/li>\n<li>rohkem grillimist ja chillimist<\/li>\n<\/ul>\n<p><strong>August 2010 tulemused<\/strong><\/p>\n<p>K\u00f5igepealt siis taaskord tulemuste graafiline esitamine. Esmapilgul v\u00f5iks \u00f6elda seda, et \u00e4\u00e4rmuslikud liigid on keskmistest kaugenenud &#8211; ehk siis need kulud mis olid \u00fcle eelarve, olid rohkem \u00fcle kui tavaliselt ja neid kulusid mis on alla eelarve (v\u00f5i t\u00e4iesti 0 krooni) on samuti rohkem kui eelmistel kuudel.<\/p>\n<p><a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-finantsplaani-tulemused.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-383\" title=\"2010-08 finantsplaani tulemused\" src=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-finantsplaani-tulemused.png\" alt=\"\" width=\"591\" height=\"759\" srcset=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-finantsplaani-tulemused.png 591w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-finantsplaani-tulemused-233x300.png 233w\" sizes=\"auto, (max-width: 591px) 100vw, 591px\" \/><\/a>K\u00f5ige suurem erinevus kuludes oligi ilmselt &#8220;kingitused, s\u00fcnni- ja t\u00e4htp\u00e4evad&#8221; kategoorias. Kui eelmisel kuul juhuslikult \u00f5nnestus selles kategoorias mitte v\u00e4ga palju kulutada, siis augustis tuli meil oma karmav\u00f5lg tasuda ja rahakott korralikult ringile lasta:)<\/p>\n<p><strong>Suurimad \u00fclekulud:<\/strong><\/p>\n<ul>\n<li>Kingitused, s\u00fcnni- ja t\u00e4htp\u00e4evad &#8211; <span style=\"color: #ff0000;\"><strong>218% rohkem planeeritust<\/strong><\/span> <em>(P\u00f5hjus: Pulm, s\u00fcnnip\u00e4evad, t\u00e4htp\u00e4evad)<\/em><\/li>\n<li>Ravimid ja arstitasud<em> &#8211; <span style=\"color: #ff0000;\"><strong>85% rohkem planeeritust<\/strong><\/span> (P\u00f5hjus: Ettevalmistused k\u00fclmetushaigusteks)<\/em><\/li>\n<li>M\u00f6\u00f6bel, sisustus ja tehnika<em> &#8211; <span style=\"color: #ff0000;\"><strong>76% rohkem planeeritust<\/strong><\/span> (P\u00f5hjus: Minu spordihaigus p\u00f5hjustas maastikurattaostu, mis polnud \u00fcldse muuseas plaanis ka!)<\/em><\/li>\n<li>V\u00e4ljas k\u00e4imised, kino ja teater jms.<em> &#8211; <span style=\"color: #ff0000;\"><strong>75% rohkem planeeritust<\/strong> <\/span>(P\u00f5hjus: Suvi ja vallatu hing)<\/em><\/li>\n<li>Riided, jalan\u00f5ud, jms.<em> &#8211;<span style=\"color: #ff0000;\"> <strong>74% rohkem planeeritust<\/strong><\/span> (P\u00f5hjus: Minu garderoobi osaline otsa l\u00f5ppemine ja seepeale 3 paari p\u00fckste ja 11 T-s\u00e4rgi ost)<\/em><\/li>\n<\/ul>\n<p><strong>Suurimad kokkuhoiud: <\/strong><\/p>\n<ul>\n<li>K\u00e4sit\u00f6\u00f6vahendid &#8211; <span style=\"color: #008000;\"><strong>100% kokkuhoidu<\/strong><\/span><em> (juba kolmandat kuud j\u00e4rjest, k\u00fcsimus vist pigem liigi mitteaktiivsuses kui kulude kokkuhoius)<\/em><strong><br \/>\n<\/strong><\/li>\n<li>Hobid &#8211; <span style=\"color: #008000;\"><strong>100% kokkuhoidu<br \/>\n<\/strong><\/span><\/li>\n<li>M\u00e4nguasjad &#8211; <span style=\"color: #008000;\"><strong>100% kokkuhoidu<\/strong><\/span><strong> <\/strong><\/li>\n<li>Aed &#8211; <strong><span style=\"color: #008000;\">100% kokkuhoidu<\/span><\/strong><\/li>\n<li>Bensiin &#8211; <strong><span style=\"color: #008000;\">100% kokkuhoidu<\/span> <\/strong><em>(Volvo 80L k\u00fctusepaak tekitab kuises arvestuses k\u00f5vad k\u00f5ikumised)<\/em><\/li>\n<li>Kodukeemia, WC paber, k\u00f6\u00f6gitarbed jne &#8211; <strong><span style=\"color: #008000;\">98% kokkuhoidu<\/span> <\/strong><em>(See on k\u00fcll v\u00e4ga suur \u00fcllatus! Ilmselt trehvas k\u00f5iki asju varudes olema)<\/em><\/li>\n<li>Trennid &#8211; <strong><span style=\"color: #008000;\">92% kokkuhoidu<\/span> <\/strong><em>(Trennid on olnud ette makstud v\u00f5i siis vabas \u00f5hus ja tasuta:))<\/em><\/li>\n<\/ul>\n<p><strong>Kokkuv\u00f5tteks:<\/strong><\/p>\n<p>Kuised kulutused tulid <strong>1% v\u00e4iksemad<\/strong>, kui s\u00e4\u00e4stuplaan ette n\u00e4gi &#8211; suurep\u00e4rane! V\u00f5iks ju m\u00f5elda, et miks nii v\u00e4he, aga arvestades k\u00f5iki \u00fclekulude valdkondi, ma kartsin ausalt\u00f6eldes palju hullemat tulemust:) Aasta alguses tehtud eelarvega v\u00f5rreldes olime ka <strong>augustis 9% plussis<\/strong>. See on t\u00e4pselt sama tulemus kusjuures nagu eelmiselgi kuul.<\/p>\n<p>\u00dclevaade kogu protsessist on n\u00e4ha ka j\u00e4rgnevast tabelist:<\/p>\n<p><strong> <\/strong><\/p>\n<table style=\"height: 249px; width: 565px;\" align=\"center\">\n<tbody>\n<tr>\n<td><strong>Periood<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Tegelik tulemus<br \/>\nvs. s\u00e4\u00e4stuplaan<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>Tegelik tulemus<br \/>\nvs. algne 2010 eelarve<\/strong><\/td>\n<\/tr>\n<tr>\n<td>2010 Juuni<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-17%<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-28%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 Juuli<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong>+3%<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-9%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 August<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><span style=\"color: #008000;\">-1%<\/span><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-9%<br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 September<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 Oktoober<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 November<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td>2010 Detsember<\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong><br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><strong>KOKKU<\/strong><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong><span style=\"color: #008000;\">-4%<\/span><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-16%<br \/>\n<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Teine huvitavam areng<\/strong> meie pere-eelarves oli augustis see, et me  viisime l\u00e4bi kuu ajalise katsetuse &#8211; milline n\u00e4eks v\u00e4lja meie  toidueelarve ja igap\u00e4evane s\u00f6\u00f6gikordade organiseerimine siis kui  planeeriksime iga n\u00e4dal ette, mida me n\u00e4dala jooksul s\u00fc\u00fca teeme v\u00f5i kus  s\u00f6\u00f6me ja siis k\u00fclastaks toidukauplust nii v\u00e4he kordi kui v\u00f5imalik.  Kuidas see k\u00f5ik meil v\u00e4lja tuli ja mida me sellest \u00f5ppisime, sellest  kirjutaks j\u00e4rgmises postituses eraldi. Tulemused ja emotsioon kogu  \u00fcritusest oli igatahes nii minu kui Breti jaoks positiivne ja  otsustasime sellise elukorraldusega ka edasi j\u00e4tkata.<\/p>\n<p>Illustreerimiseks ka v\u00e4ike graafik selle aasta toidueelarve arengust:<\/p>\n<p><img decoding=\"async\" src=\"file:\/\/\/C:\/DOCUME%7E1\/roeejaei\/LOCALS%7E1\/Temp\/moz-screenshot.png\" alt=\"\" \/><a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-toidueelarve-areng.png\"><img loading=\"lazy\" decoding=\"async\" title=\"2010-08 toidueelarve areng\" src=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/09\/2010-08-toidueelarve-areng.png\" alt=\"\" width=\"589\" height=\"370\" \/><\/a><\/p>\n<p><strong>Saadud \u00f5ppetunnid<br \/>\n<\/strong><\/p>\n<ul>\n<li><strong>Vidinate ostmise kulutusi on edukalt v\u00f5imalik kompenseerida m\u00f5nede olemasolevate, kuid kasutust mitte leidvate vidinate maha m\u00fc\u00fcmisega. <\/strong>Sellest, mida ma m\u00fc\u00fcsin ja kui palju sellest tulu teenisin, sai lugeda varasemast postitusest <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/garaazimuuk-1-loppenud-1900-krooni\" target=\"_blank\">garaa\u017eim\u00fc\u00fcgi teemal<\/a>.<br \/>\n<strong><br \/>\n<\/strong><\/li>\n<li><strong>Toidule ja joogile tehtavad kulutused on s\u00f5ltuvuses poes k\u00e4imise kordade arvuga.<\/strong> Mida v\u00e4hem poodi satud, seda v\u00e4hem emotsioonioste ostad sealt.<\/li>\n<\/ul>\n<p><strong>L\u00f5petuseks<\/strong><\/p>\n<p>Inimesed, kes te olete lugenud n\u00fc\u00fcdseks juba <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010-juuni-tulemused\" target=\"_blank\">Juuni postitust<\/a> ja <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010%e2%80%93juuli-tulemused\" target=\"_blank\">Juuli postitust<\/a> pere-eelarve anal\u00fc\u00fcsimisest ja m\u00f5tlete, et v\u00f5iks\/peaks samuti kunagi sellega tegelema hakkama, kuid pole mingil p\u00f5hjusel sellega siiski t\u00e4naseks veel algust teinud &#8211; tuletan meelde, et kunagi pole hilja! V\u00f5tke ennast kokku ja tehke proovi ning te kahetsete ainult seda, et te sellega juba varem ei alustanud.<\/p>\n<p><strong><em>PS: Ootan teie k\u00f5igi kommentaare ja n\u00f5uandeid pere-eelarve paremaks planeerimiseks kommentaaridesse.<\/em><\/strong><\/p>\n<p><em><strong>PS2: Kes vajab konsultatsiooni v\u00f5i abi oma finantsplaani koostamisel v\u00f5ib julgesti \u00fchendust v\u00f5tta &#8211; <a href=\"mailto:janar@rahakool.ee\" target=\"_blank\">janar@rahakool.ee<\/a> v\u00f5i 5129427. <\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>J\u00e4tkan jonnakalt postitusteseeriat &#8211; &#8220;2010 II poolaasta s\u00e4\u00e4stuplaan&#8221;. L\u00fchidalt v\u00f5ib sissejuhatuseks t\u00f5deda fakti, et suvi on pere-eelarvele raske periood. Ma \u00fctleks, et isegi J\u00f5ulud kahvatuvad tavaliselt suvekuude ees. Suvel on lihtsalt nii palju ahvatlusi ja tegevusi, mis k\u00f5ik pere-eelarvest oma osa n\u00f5uavad. M\u00f5ned n\u00e4ited neist suvekuude riskidest: igasugused v\u00e4li\u00fcritused (kontserdid, vaba\u00f5huetendused, l\u00f5bus- ja seikluspargid, jne) &hellip; <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010-%e2%80%93-augusti-tulemused\" class=\"more-link\">Loe edasi <span class=\"screen-reader-text\">Pere finantsplaan 2010 \u2013 Augusti tulemused<\/span> <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[195,200,95,1],"tags":[181,137,184,43,207,203,206,10,201,208,119,205,204],"class_list":["post-382","post","type-post","status-publish","format-standard","hentry","category-kasulik-oppetund","category-kulude-optimeerimine","category-pere-eelarve","category-volast_vabaks","tag-eesmargid","tag-eraisikute-finantsplaneerimine","tag-finantsplaan","tag-kasulik","tag-konsultatsioon","tag-kulud","tag-oppetund","tag-pere","tag-plaan","tag-puhkus","tag-saastmine","tag-tulemused","tag-tulud"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/382","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/comments?post=382"}],"version-history":[{"count":7,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/382\/revisions"}],"predecessor-version":[{"id":388,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/382\/revisions\/388"}],"wp:attachment":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/media?parent=382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/categories?post=382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/tags?post=382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}