{"id":393,"date":"2010-10-10T23:27:46","date_gmt":"2010-10-10T20:27:46","guid":{"rendered":"http:\/\/www.rahakool.ee\/pere_eelarve\/?p=393"},"modified":"2010-10-11T01:09:07","modified_gmt":"2010-10-10T22:09:07","slug":"pere-finantsplaan-2010-septembri-tulemused","status":"publish","type":"post","link":"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010-septembri-tulemused","title":{"rendered":"Pere finantsplaan 2010 &#8211; Septembri tulemused"},"content":{"rendered":"<p>September on m\u00f6\u00f6das ja aeg on &#8220;2010 II poolaasta s\u00e4\u00e4stuplaani&#8221; seerias vahekokkuv\u00f5te teha. Nii nagu \u00f5petavad mind inimesed &#8220;Lean&#8221; (kulus\u00e4\u00e4stlik tootmine) maailmas t\u00f6\u00f6alaselt, sooviks j\u00e4llegi k\u00f5igepealt vaadata seda, mida me \u00f5ppisime sellest perioodist ja mida annaks j\u00e4rgmisel perioodil paremini teha.<\/p>\n<p><strong>August 2010 tulemused<\/strong><\/p>\n<p>Nagu ikka, on andmete visuaalsel esitamisel v\u00e4ga t\u00e4htis koht minu anal\u00fc\u00fcsides:<strong> <\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-finantsplaani-tulemused1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-397\" title=\"2010-09 finantsplaani tulemused\" src=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-finantsplaani-tulemused1.png\" alt=\"\" width=\"624\" height=\"671\" srcset=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-finantsplaani-tulemused1.png 675w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-finantsplaani-tulemused1-278x300.png 278w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-finantsplaani-tulemused1-139x150.png 139w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/a><br \/>\n<\/strong><\/p>\n<p>K\u00f5ige suurem erinevus kuludes&#8230;<\/p>\n<p><strong>Suurimad \u00fclekulud:<\/strong><\/p>\n<ul>\n<li>Bensiin &#8211; <span style=\"color: #ff0000;\"><strong>101% rohkem planeeritust<\/strong><\/span> <em>(P\u00f5hjus: 80 liitri bensiini ost korraga p\u00f5hjustab paratamatult suuri k\u00f5ikumisi kuude l\u00f5ikes)<\/em><\/li>\n<li>Ravimid ja arstitasud<em> &#8211; <span style=\"color: #ff0000;\"><strong>96% rohkem planeeritust<\/strong><\/span> (P\u00f5hjus: Visiit hambaarstile)<\/em><\/li>\n<li>Riided, jalan\u00f5ud jms.<em> &#8211; <span style=\"color: #ff0000;\"><strong>79% rohkem planeeritust<\/strong><\/span> (P\u00f5hjus: Minu saalijalatsite erakorraline ost)<\/em><\/li>\n<li>Pangateenuste, kaartide ja kontode kulud.<em> &#8211; <span style=\"color: #ff0000;\"><strong>74% rohkem planeeritust<\/strong> <\/span>(P\u00f5hjus: Breti investeerimiskonto avamine ja esimene investeering. Tubli!)<\/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 neljandat 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>Kingitused, s\u00fcnni- ja t\u00e4htp\u00e4evad &#8211; <span style=\"color: #008000;\"><strong>100% kokkuhoidu <\/strong><em><span style=\"color: #000000;\">(Polnud \u00fchtegi s\u00fcnni- ega t\u00e4htp\u00e4eva j\u00e4relikult&#8230;)<\/span><\/em><\/span><strong> <\/strong><\/li>\n<li>Maja remont ja ehitus jms. &#8211; <strong><span style=\"color: #008000;\">100% kokkuhoidu<\/span><\/strong><\/li>\n<li>V\u00e4ljas s\u00f6\u00f6dud toidukord &#8211; <strong><span style=\"color: #008000;\">58% kokkuhoidu<\/span> <\/strong><em>(Koju ostetavas toidus oli k\u00fcll kerge \u00fclekulu. Kokku olid kulutused toidule siiski 6% v\u00e4iksemad eelarvest)<\/em><\/li>\n<li>Kosmeetika, h\u00fcgieen ja juuksur &#8211; <strong><span style=\"color: #008000;\">51% kokkuhoidu<\/span> <\/strong><em>(Breti t\u00f6\u00f6v\u00f5it:)<\/em><\/li>\n<\/ul>\n<p><strong>Kokkuv\u00f5tteks:<\/strong><\/p>\n<p>Kuised kulutused tulid <strong>8% v\u00e4iksemad<\/strong>, kui s\u00e4\u00e4stuplaan ette n\u00e4gi &#8211; teine t\u00f5esti suurep\u00e4rane saavutus teisel poolaastal, sest algse pere-eelarve kohaselt pidid septembris kulud keskmisest tegelikult natuke suuremadki olema.<\/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><span style=\"color: #008000;\">-8%<\/span><br \/>\n<\/strong><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"color: #008000;\"><strong>-17%<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;\">-5%<\/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>Vahe\u00fclevaade ka kulutustest toidule. <\/strong>Summa on eelmise kuuga v\u00f5rreldes m\u00f5nev\u00f5rra suurem. V\u00f5imalik, et p\u00f5hjuseks oli ka see, et leidus vist \u00fcks n\u00e4dal, mil me n\u00e4dala toidugraafikut ei j\u00f5udnud ette valmistada ja elasime \u00fche n\u00e4dala ilma planeerimata. Emotsioon oli see, et poes k\u00e4ies oli tunne nagu peata kanal &#8211; midagi ei teadnud mida on vaja osta ja mida ei ole vaja.<\/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\/10\/2010-09-toidueelarve-areng.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-400\" title=\"2010-09 toidueelarve areng\" src=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-toidueelarve-areng.png\" alt=\"\" width=\"615\" height=\"379\" srcset=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-toidueelarve-areng.png 733w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-toidueelarve-areng-300x184.png 300w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/2010-09-toidueelarve-areng-150x92.png 150w\" sizes=\"auto, (max-width: 615px) 100vw, 615px\" \/><\/a><\/p>\n<p><strong>L\u00f5petuseks ka midagi positiivset<\/strong><\/p>\n<p><a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/soojuspump1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-408\" title=\"soojuspump\" src=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/soojuspump1.jpg\" alt=\"\" width=\"211\" height=\"300\" srcset=\"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/soojuspump1.jpg 211w, https:\/\/www.rahakool.ee\/pere_eelarve\/wp-content\/uploads\/2010\/10\/soojuspump1-105x150.jpg 105w\" sizes=\"auto, (max-width: 211px) 100vw, 211px\" \/><\/a>Septembris saime t\u00e4ita s\u00e4\u00e4stuplaani esimese 4 kuu jooksul s\u00e4\u00e4stetud rahast juba esimese eesm\u00e4rgi &#8211; osta ilma v\u00e4lise finantseerimiseta \u00f5hksoojuspumba. See teeb meie puiduk\u00fcttega majas elu kindlasti mugavamaks. Seda nii k\u00fclmadel talve\u00f5htutel kui ka kuumadel suvep\u00e4evadel.<\/p>\n<p>Pumbaks on <a href=\"http:\/\/www.kvaliteetkliima.ee\/index.php?page=shop.product_details&amp;category_id=6&amp;flypage=flypage.tpl&amp;product_id=41&amp;option=com_virtuemart&amp;Itemid=1&amp;lang=et\" target=\"_blank\">Fujitsu Nocria Arctic 9,1kW<\/a> \u00f5hk-\u00f5hk soojuspump. Siinkohal ait\u00e4h Toomasele abi eest nii soetamisel kui s\u00f5braliku hinna eest:)<\/p>\n<p><strong><em>PS: Kui kellelgi on enda pere-eelarve planeerimisel v\u00f5i pikema finantsplaani koostamisel k\u00fcsimusi, siis k\u00fcsige julgesti minu e-maililt (janar[at]rahakool.ee) v\u00f5i kirjutage siiasamasse komentaaridesse. Aitan meeleldi!<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>September on m\u00f6\u00f6das ja aeg on &#8220;2010 II poolaasta s\u00e4\u00e4stuplaani&#8221; seerias vahekokkuv\u00f5te teha. Nii nagu \u00f5petavad mind inimesed &#8220;Lean&#8221; (kulus\u00e4\u00e4stlik tootmine) maailmas t\u00f6\u00f6alaselt, sooviks j\u00e4llegi k\u00f5igepealt vaadata seda, mida me \u00f5ppisime sellest perioodist ja mida annaks j\u00e4rgmisel perioodil paremini teha. August 2010 tulemused Nagu ikka, on andmete visuaalsel esitamisel v\u00e4ga t\u00e4htis koht minu anal\u00fc\u00fcsides: K\u00f5ige &hellip; <a href=\"https:\/\/www.rahakool.ee\/pere_eelarve\/pere-finantsplaan-2010-septembri-tulemused\" class=\"more-link\">Loe edasi <span class=\"screen-reader-text\">Pere finantsplaan 2010 &#8211; Septembri 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":[200,95,1],"tags":[181,137,184,43,207,203,206,10,201,208,119,205,204],"class_list":["post-393","post","type-post","status-publish","format-standard","hentry","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\/393","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=393"}],"version-history":[{"count":10,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/393\/revisions"}],"predecessor-version":[{"id":405,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/posts\/393\/revisions\/405"}],"wp:attachment":[{"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/media?parent=393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/categories?post=393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rahakool.ee\/pere_eelarve\/wp-json\/wp\/v2\/tags?post=393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}