Reinis Jansons, \u201cSwedbank\u201d Finan\u0161u instit\u016bta vad\u012bt\u0101js<\/p>\n
Naudu parasti pelna pieaugu\u0161ie, un b\u0113rniem neb\u016btu par to j\u0101r\u016bp\u0113jas. Iesp\u0113ja ofici\u0101li nodarbin\u0101t b\u0113rnu noteikt\u0101s jom\u0101s Latvijas likumdo\u0161an\u0101 ir paredz\u0113ta no 13 gadu vecuma, ja k\u0101ds no vec\u0101kiem tam piekr\u012bt. T\u0101tad faktiski patst\u0101v\u012bgi g\u016bt ien\u0101kumus b\u0113rns var sam\u0113r\u0101 v\u0113lu. Ta\u010du tas neb\u016bt nenoz\u012bm\u0113, ka nevar laikus s\u0101kt veidot attiec\u012bbas ar naudu. L\u012bdz\u012bgi k\u0101 m\u0101c\u0101m pareizu uzved\u012bbu, v\u0113rt\u012bbas, \u0113tiku, ar\u012b attiec\u012bbas ar naudu j\u0101veido jau agr\u0101 b\u0113rn\u012bb\u0101, kad b\u0113rns b\u016bv\u0113 v\u0113rt\u012bbu sist\u0113mu visai atliku\u0161ajai dz\u012bvei. Svar\u012bgi apzin\u0101ties, ka b\u0113rna finansi\u0101l\u0101 izgl\u012bt\u012bba negarant\u0113 veiksmi dz\u012bv\u0113, karjer\u0101 vai biznes\u0101, bet t\u0101 ir noz\u012bm\u012bgs priek\u0161nosac\u012bjums, lai veidotu p\u0101rdom\u0101tu \u0123imenes bud\u017eetu n\u0101kotn\u0113.
\nNaudas t\u0113r\u0113\u0161anu b\u0113rns parasti apg\u016bst jau mazotn\u0113, prasot vec\u0101kiem k\u0101du na\u0161\u0137i vai mantu. Vec\u0101ki nereti atbild, ka naudas nav, kas b\u0113rn\u0101 raisa neizpratni \u2013 k\u0101 var neb\u016bt naudas, ja m\u0113s veikal\u0101 p\u0113rkam tik daudz lietu? V\u0113l\u0101k \u0161\u012b neizpratne p\u0101rtop interneta ierakstos pie vald\u012bbas pazi\u0146ojumiem \u2013 k\u0101 gan k\u0101dai jomai bud\u017eet\u0101 var tr\u016bkt naudas, ja taj\u0101 pa\u0161\u0101 laik\u0101 tiek t\u0113r\u0113ti l\u012bdzek\u013ci cit\u0101m liet\u0101m? Nauda ir racion\u0101la, bet attiec\u012bbas ar to \u2013 emocion\u0101las, t\u0101p\u0113c, l\u012bdz\u012bgi k\u0101 jebkuras attiec\u012bbas, ir j\u0101m\u0101c\u0101s t\u0101s veidot. Turkl\u0101t b\u0113rna finansi\u0101l\u0101s audzin\u0101\u0161anas proces\u0101 daudz iem\u0101c\u0101s ar\u012b vec\u0101ki.<\/p>\n
M\u0101coties r\u012bkoties ar naudu, att\u012bst\u0101s kritisk\u0101 dom\u0101\u0161ana. Piem\u0113ram, klasiska situ\u0101cija: b\u0113rns t\u0113r\u0113 \u016bdeni, ilgi mazg\u0101joties vai vienk\u0101r\u0161i tecinot \u016bdeni no kr\u0101na, p\u0113c vec\u0101ku dom\u0101m, bez \u012bpa\u0161as vajadz\u012bbas. \u012as\u0101 atbilde b\u0113rnam b\u016btu l\u016bgums netecin\u0101t \u016bdeni, jo par to ir j\u0101maks\u0101, bet gar\u0101 \u2013 izrun\u0101t, k\u0101 \u016bdens tur non\u0101k, k\u0101di resursi ir nepiecie\u0161ami, cik tie var\u0113tu maks\u0101t, kas par tiem maks\u0101. \u0160\u0101di veidojas dzi\u013c\u0101ka izpratne par liet\u0101m un to izmaks\u0101m. M\u0101coties r\u012bkoties ar naudu, b\u0113rns ieg\u016bst sp\u0113ju pie\u0146emt p\u0101rdom\u0101t\u0101kus l\u0113mumus, apzin\u0101s lietu v\u0113rt\u012bbu, sp\u0113j at\u0161\u0137irt v\u0113lmes no vajadz\u012bb\u0101m, ieg\u016bst ilgtermi\u0146a perspekt\u012bvu un sp\u0113j sasniegt m\u0113r\u0137us.
\nJaunu prasmju apguve ir pak\u0101peniska, viss nav j\u0101iem\u0101c\u0101s vien\u0101 dien\u0101. Ir virkne lietu, ko var dar\u012bt atbilsto\u0161i b\u0113rna vecumam un interes\u0113m. \u0145emiet b\u0113rnu l\u012bdzi iepirkties; ja iep\u0113rkaties internet\u0101, dariet to kop\u0101, p\u0101rrun\u0101jot, ko pirksiet un cik par to b\u016bs j\u0101maks\u0101. Nosakiet iepirk\u0161an\u0101s bud\u017eetu un \u013caujiet ar\u012b b\u0113rnam lemt par atsevi\u0161\u0137u lietu ieg\u0101di. B\u0113rns s\u0101ks apzin\u0101ties, ka veikalam paredz\u0113t\u0101 nauda nav neierobe\u017eota un ir j\u0101iek\u013caujas noteiktos r\u0101mjos. Ja b\u0113rns izv\u0113las k\u0101du na\u0161\u0137i, ko nav pl\u0101nots ieg\u0101d\u0101ties, p\u0101rrun\u0101jiet, k\u0101ds pirkums b\u016btu j\u0101iemaina pret na\u0161\u0137i un vai tie\u0161\u0101m tas b\u016btu j\u0101dara. Var b\u0113rnam uztic\u0113t noteiktu iepirk\u0161an\u0101s bud\u017eeta da\u013cu, piem\u0113ram, 5 eiro saldumiem visai \u0123imenei sv\u0113tdienas vakaram.<\/p>\n
\u013baujiet b\u0113rnam peln\u012bt. Pirmsskolas vai s\u0101kumskolas vecum\u0101 var organiz\u0113t tirdzi\u0146us vai m\u0101jas koncertus, kur b\u0113rniem ir iesp\u0113ja p\u0101rdot savus z\u012bm\u0113jumus vai ieg\u016bt naudu par bi\u013cet\u0113m uz koncertu. Skolas gados ir v\u0113rts mudin\u0101t b\u0113rnu veidot savu m\u0101c\u012bbu uz\u0146\u0113mumu “Junior Achievement” programm\u0101, kas dos izpratni par re\u0101lu uz\u0146\u0113m\u0113jdarb\u012bbu. Ar\u012b vasaras darbi b\u0113rniem no 13 gadu vecuma pal\u012bdz\u0113s saprast, ka nauda kokos neaug. Pretrun\u012bgi tiek v\u0113rt\u0113ta naudas do\u0161ana par m\u0101jas darbiem vai m\u0101c\u012b\u0161anos, kas ietekm\u0113 b\u0113rna v\u0113rt\u012bbu skalu. Tom\u0113r var vienoties ar b\u0113rnu, ka maks\u0101siet par tiem m\u0101jas darbiem, par kuriem \u0161obr\u012bd maks\u0101jat k\u0101dam citam, piem\u0113ram, par m\u0101jas uzkop\u0161anu, ja tiek izmantots \u0161\u0101ds pakalpojums, vai automa\u0161\u012bnas mazg\u0101\u0161anu, ja ierasts to mazg\u0101t par maksu. Ar\u012b regul\u0101ra kabatas nauda ir labs veids, k\u0101 pieradin\u0101t jaunieti pie naudas un \u013caut pa\u0161am lemt par t\u0101s izlieto\u0161anu, ik pa laikam p\u0101rrun\u0101jot pie\u0146emtos l\u0113mumus.
\nPusaud\u017ea vecum\u0101 lieliska iesp\u0113ja rad\u012bt priek\u0161statu par \u0123imenes bud\u017eetu ir uz k\u0101du laiku uztic\u0113t b\u0113rnam pilnu atbild\u012bbu par visu naudu, kas ir \u0123imenes r\u012bc\u012bb\u0101. Ieskatu \u0161aj\u0101 pieej\u0101 var g\u016bt TV3 un “Swedbank” veidotaj\u0101 raid\u012bjum\u0101 “Naudas pav\u0113lnieks”, kur jaunie\u0161iem m\u0113ne\u0161a garum\u0101 bija uztic\u0113ta pilna atbild\u012bba par \u0123imenes main\u012bgaj\u0101m izmaks\u0101m. Vienk\u0101r\u0161\u0101ka metode ir uztic\u0113t, piem\u0113ram, atbild\u012bbu tikai par p\u0101rtikas sag\u0101di, \u0161\u0101di \u013caujot apzin\u0101ties, cik paties\u012bb\u0101 daudz l\u012bdzek\u013cu tiek t\u0113r\u0113ts tie\u0161i ikdienas vajadz\u012bb\u0101m.<\/p>\n
Nekad nav par agru mudin\u0101t b\u0113rnu veidot uzkr\u0101jumus. Sav\u0101 zi\u0146\u0101 \u0161is g\u0113ns jau katram b\u0113rnam ir, tas tikai j\u0101att\u012bsta, \u013caujot sakr\u0101t k\u0101dai k\u0101rotai lietai. \u0160\u0101di b\u0113rns g\u016bs izpratni, ka, veidojot uzkr\u0101jumus, ir iesp\u0113jams ieg\u016bt ko liel\u0101ku un v\u0113rt\u012bg\u0101ku.<\/p>\n
Lieliska iesp\u0113ja m\u0101c\u012bties finan\u0161u prat\u012bbu ir to apg\u016bt kop\u0101 ar vienaud\u017eiem rota\u013cu veid\u0101. Sav\u0101 zi\u0146\u0101 ar\u012b datorsp\u0113\u013cu vid\u0113 b\u0113rni m\u0101c\u0101s apieties ar naudu, sp\u0113l\u0113 p\u0113rkot da\u017e\u0101dus uzlabojumus par virtu\u0101lo naudu. Vien\u012bgi \u0161\u012bs virtu\u0101l\u0101s naudas ieg\u016b\u0161anas veids nav \u012bpa\u0161i vesel\u012bgs un diez ko tuvs re\u0101lajai dz\u012bvei. Toties, piem\u0113ram, klasiskaj\u0101 “Monopol\u0101” paral\u0113li naudas liet\u0101m att\u012bst\u0101s ar\u012b tirgo\u0161an\u0101s un argument\u0113\u0161anas prasmes. T\u0101pat finan\u0161u prat\u012bbu veido da\u017e\u0101das tematiskas nodarb\u012bbas, kas aizraujo\u0161\u0101 veid\u0101 \u013cauj b\u0113rniem izzin\u0101t, kas ir nauda, k\u0101 to kr\u0101t un gudri ieguld\u012bt, k\u0101 pareizi t\u0113r\u0113t un pr\u0101t\u012bgi aiz\u0146emties, k\u0101 pasarg\u0101t savi no kr\u0101pniekiem digit\u0101laj\u0101 vid\u0113 un rad\u012bt savu mazo biznesu, iej\u016btoties uz\u0146\u0113m\u0113ja lom\u0101.<\/p>\n
P\u0113rn “Swedbank” tika rad\u012bta interakt\u012bva izgl\u012btojo\u0161a telpa “Finan\u0161u laboratorija”, kur jaunie\u0161i no visas Latvijas kop\u0101 ar klasi apg\u016bst naudas lietas papildus soci\u0101lo zin\u012bbu vai ekonomikas stund\u0101m. T\u0101pat j\u0113gpilna laika pavad\u012b\u0161ana ar zin\u0101\u0161anu apguvi iesp\u0113jama ar\u012b vasar\u0101 kop\u0101 ar b\u0113rnu dienas nometni “Br\u012bnumzeme” rad\u012btaj\u0101 dienas nometn\u0113 “Mazais finansists”, kur\u0101 7\u201311 gadus veci b\u0113rni sp\u0113\u013cu veid\u0101 iej\u016btas gan pirc\u0113ju un p\u0101rdev\u0113ju lom\u0101s, gan iem\u0113\u0123ina roku uz\u0146\u0113m\u0113jdarb\u012bb\u0101. K\u0101 nor\u0101da nometnes organizatore Zanda Lazda, nometn\u0113 b\u0113rniem ir iesp\u0113ja interesant\u0101 un saisto\u0161\u0101 veid\u0101 izzin\u0101t naudas un finan\u0161u prat\u012bbas pamatus. B\u016btiski, ka nodarb\u012bbu saturs nav sausu un garlaic\u012bgu faktu pilns \u2013 b\u0113rni finan\u0161u pasauli var izzin\u0101t caur sp\u0113l\u0113m un rota\u013c\u0101m, pa\u0161i iejusties gan pirc\u0113ju un p\u0101rd\u0113v\u0113ju lom\u0101s, gan iem\u0113\u0123in\u0101t roku uz\u0146\u0113m\u0113jdarb\u012bb\u0101 un piedal\u012bties cit\u0101s aktivit\u0101t\u0113s. J\u0101piebilst, ka \u0161ogad nometne “Mazais finansists” norisin\u0101sies no 13. j\u016blija l\u012bdz 14. augustam, piec\u0101s tematiskaj\u0101s ned\u0113\u013c\u0101s aizraujo\u0161\u0101 veid\u0101 \u013caujot izzin\u0101t to, kas ir nauda, k\u0101 to kr\u0101t un gudri ieguld\u012bt, k\u0101 pareizi t\u0113r\u0113t un pr\u0101t\u012bgi aiz\u0146emties. T\u0101pat b\u0113rni iem\u0101c\u012bsies, k\u0101 pasarg\u0101t sevi no kr\u0101pniekiem digit\u0101laj\u0101 vid\u0113, un rad\u012bs savu mazo biznesu, iej\u016btoties uz\u0146\u0113m\u0113ja lom\u0101, t\u0101d\u0113\u013c, ja, b\u016bdams vec\u0101ks, v\u0113lies b\u0113rnam ielikt finan\u0161u prat\u012bbas pamatus, t\u0101 var b\u016bt iesp\u0113ja to izdar\u012bt viegl\u0101k un atvasei uztveram\u0101 form\u0101.<\/p>\n
Nobeigum\u0101 v\u0113los uzsv\u0113rt, ka nav vienas noteiktas lab\u0101k\u0101s metodes, k\u0101 iem\u0101c\u012bt b\u0113rnam veidot vesel\u012bgas attiec\u012bbas ar naudu, bet vair\u0101ku aktivit\u0101\u0161u kombin\u0113\u0161ana dos v\u0113lamo rezult\u0101tu un vairos b\u0113rna izpratni par naudas liet\u0101m, kas b\u016bs noder\u012bga visu atliku\u0161o dz\u012bvi.<\/p>","protected":false},"excerpt":{"rendered":"
Reinis Jansons, \u201cSwedbank\u201d Finan\u0161u instit\u016bta vad\u012bt\u0101js Naudu parasti pelna pieaugu\u0161ie, un b\u0113rniem neb\u016btu par to j\u0101r\u016bp\u0113jas. Iesp\u0113ja ofici\u0101li nodarbin\u0101t b\u0113rnu noteikt\u0101s jom\u0101s Latvijas likumdo\u0161an\u0101 ir paredz\u0113ta no 13 gadu vecuma, ja k\u0101ds no vec\u0101kiem tam piekr\u012bt. T\u0101tad faktiski patst\u0101v\u012bgi g\u016bt ien\u0101kumus b\u0113rns var sam\u0113r\u0101 v\u0113lu. Ta\u010du tas neb\u016bt nenoz\u012bm\u0113, ka nevar laikus s\u0101kt veidot attiec\u012bbas […]<\/p>\n","protected":false},"author":5,"featured_media":1959,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[31],"tags":[],"class_list":["post-1952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mazais-finansits"],"yoast_head":"\n