{"id":2106412,"date":"2026-08-21T08:11:14","date_gmt":"2026-08-21T05:11:14","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2106412"},"modified":"2026-08-21T08:11:14","modified_gmt":"2026-08-21T05:11:14","slug":"mai-putin-de-jumatate-dintre-romani-economisesc-constant-46-pun-deoparte-cel-mult-500-de-lei-pe-luna","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2106412","title":{"rendered":"Mai pu\u021bin de jum\u0103tate dintre rom\u00e2ni economisesc constant. 46% pun deoparte cel mult 500 de lei pe lun\u0103"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/www.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpghttps:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpg&#8221;]<\/p>\n<div class=\"td-post-content tagdiv-type\">\n<div class=\"td-a-rec td-a-rec-id-content_top  tdi_3 td_block_template_1\">\n<div class=\"nb-social-buttons\"><a class=\"nb-social-btn nb-social-youtube\" href=\"https:\/\/www.youtube.com\/@ZiarulNewsBucovina?sub_confirmation=1\" target=\"_blank\" rel=\"noopener external\" title=\"Aboneaz\u0103-te la NewsBucovina pe YouTube\"><span class=\"nb-social-text\"><strong>Aboneaz\u0103-te pe YouTube<\/strong><small>NewsBucovina<\/small><\/span><\/a><a class=\"nb-social-btn nb-social-telegram\" href=\"https:\/\/t.me\/+TH8wcfnp8fw5NWI0\" target=\"_blank\" rel=\"noopener external\" title=\"Intr\u0103 \u00een grupul Telegram News Bucovina\"><span class=\"nb-social-text\"><strong>Intr\u0103 pe Telegram<\/strong><small>Grupul News Bucovina<\/small><\/span><\/a><a class=\"nb-social-btn nb-social-google\" href=\"https:\/\/www.google.com\/preferences\/source?q=newsbucovina.ro\" target=\"_blank\" rel=\"noopener external\" title=\"Adaug\u0103 NewsBucovina ca surs\u0103 preferat\u0103 \u00een Google\"><span class=\"nb-social-text\"><strong>Adaug\u0103 NewsBucovina<\/strong><small>Surs\u0103 preferat\u0103 \u00een Google<\/small><\/span><\/a><\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">Capacitatea real\u0103 de economisire a rom\u00e2nilor r\u0103m\u00e2ne limitat\u0103 \u0219i vulnerabil\u0103 la cre\u0219terea costurilor de trai. Potrivit unui sondaj realizat la ini\u021biativa tbi bank pe un e\u0219antion de 1.223 de angaja\u021bi la nivel na\u021bional, aproape 48% dintre responden\u021bi spun c\u0103 economisesc \u00een fiecare lun\u0103 sau \u00een majoritatea lunilor, \u00een timp ce un sfert reu\u0219esc s\u0103 pun\u0103 bani deoparte doar ocazional, atunci c\u00e2nd le mai r\u0103m\u00e2n fonduri.<\/p>\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank-1024x681.jpg\" alt class=\"wp-image-447141\"><\/a><\/figure>\n<p class=\"wp-block-paragraph\">Peste 22% nu economisesc deloc \u00een prezent sau sunt nevoi\u021bi s\u0103 apeleze la rezervele acumulate anterior. Aproximativ 46% reu\u0219esc s\u0103 economiseasc\u0103 cel mult 500 de lei \u00eentr-o lun\u0103 obi\u0219nuit\u0103, iar 16% nu pun deoparte niciun leu. Chiar \u0219i \u00een r\u00e2ndul celor care economisesc, sumele r\u0103m\u00e2n moderate: aproape 22% p\u0103streaz\u0103 \u00eentre 11% \u0219i 20% din venituri, iar pu\u021bin peste 22% \u00eentre 6% \u0219i 10%.<\/p>\n<p class=\"wp-block-paragraph\">\u201eDatele arat\u0103 c\u0103, pentru mul\u021bi rom\u00e2ni, economisirea r\u0103m\u00e2ne mai degrab\u0103 rezultatul unui echilibru fragil la final de lun\u0103 dec\u00e2t al unui plan financiar constant. Cre\u0219terea costurilor esen\u021biale limiteaz\u0103 sumele disponibile, iar acest lucru face ca disciplina financiar\u0103, accesul la produse simple \u0219i sigure \u0219i formarea unor obiceiuri de economisire s\u0103 devin\u0103 tot mai importante. Rolul institu\u021biilor financiare este s\u0103 ofere solu\u021bii flexibile, u\u0219or de \u00een\u021beles \u0219i adaptate realit\u0103\u021bii bugetelor actuale, astfel \u00eenc\u00e2t economisirea s\u0103 poat\u0103 deveni un comportament predictibil, nu doar o op\u021biune atunci c\u00e2nd r\u0103m\u00e2n bani disponibili\u201d, a declarat Gergana Staykova, Market Leader tbi bank Romania.<\/p>\n<p class=\"wp-block-paragraph\">Capacitatea de economisire s-a deteriorat pentru o parte important\u0103 a popula\u021biei: aproape 42% spun c\u0103 economisesc mai pu\u021bin dec\u00e2t anul trecut, iar peste 9% reu\u0219eau s\u0103 pun\u0103 bani deoparte anterior, dar \u00een prezent nu mai pot. Peste 29% economisesc \u00een primul r\u00e2nd pentru situa\u021bii neprev\u0103zute sau urgen\u021be, iar aproximativ 20% urm\u0103resc s\u0103 \u00ee\u0219i construiasc\u0103 mai mult\u0103 siguran\u021b\u0103 \u0219i independen\u021b\u0103 financiar\u0103.<\/p>\n<p class=\"wp-block-paragraph\">Pentru mul\u021bi, economisirea depinde de banii r\u0103ma\u0219i dup\u0103 cheltuieli. Peste 36% pun deoparte doar ce le mai r\u0103m\u00e2ne la final de lun\u0103, \u00een timp ce numai aproximativ 15% aloc\u0103 un procent fix din venit. Rezervele ofer\u0103 o protec\u021bie limitat\u0103: aproape 23% \u0219i-ar putea acoperi cheltuielile pentru mai pu\u021bin de o lun\u0103 dac\u0103 \u0219i-ar pierde principala surs\u0103 de venit, iar aproximativ 22% ar rezista \u00eentre una \u0219i trei luni.<\/p>\n<p class=\"wp-block-paragraph\">Rom\u00e2nii \u00ee\u0219i p\u0103streaz\u0103 economiile \u00een forme percepute ca sigure \u0219i u\u0219or de accesat \u2013 peste 23% \u021bin cea mai mare parte \u00een contul curent, iar aproape 22% aleg depozitele bancare. Principalul obstacol r\u0103m\u00e2ne scumpirea alimentelor \u0219i a produselor de baz\u0103 (peste 26%), urmat de veniturile prea mici \u00een raport cu cheltuielile (aproape 25%).<\/p>\n<p class=\"wp-block-paragraph\">Economiile sunt folosite at\u00e2t pentru experien\u021be planificate, c\u00e2t \u0219i ca rezerv\u0103 pentru neprev\u0103zute. Aproape 19% le-au folosit sau \u0219i-ar fi dorit s\u0103 le foloseasc\u0103 pentru vacan\u021be, iar peste 14% pentru repara\u021bii la locuin\u021b\u0103 sau ma\u0219in\u0103. Pentru 2026, obiectivele vizeaz\u0103 consolidarea rezervelor: aproape 20% \u00ee\u0219i propun s\u0103 economiseasc\u0103 mai mult dec\u00e2t anul trecut, iar aproape 15% vor s\u0103 \u00ee\u0219i protejeze economiile existente. Cele mai mari temeri financiare sunt problemele de s\u0103n\u0103tate (peste 30%) \u0219i pierderea locului de munc\u0103 (21%).<\/p>\n<p class=\"wp-block-paragraph\">Sondajul tbi bank a fost realizat online \u00een luna iulie 2026, pe un e\u0219antion de 1.223 de utilizatori de internet din Rom\u00e2nia.<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"youtube-embed\" data-video_id=\"2J0wYjeHPYM\"><iframe loading=\"lazy\" title=\"Cresc\u0103toria de Ciori bag\u0103 oamenii \u00een Depresie - E Fabric\u0103 de G\u0102INA\u021a la Suceava\" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/2J0wYjeHPYM?feature=oembed&amp;enablejsapi=1\" frameborder allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div>\n<\/figure>\n<div class=\"td-a-rec td-a-rec-id-content_bottom  tdi_4 td_block_template_1\"><strong>Intr\u0103 acum \u0219i \u00een grupul de <\/p>\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/t.me\/+TH8wcfnp8fw5NWI0\">Telegram News Bucovina<\/a><\/div>\n<p><\/strong><\/div>\n<\/div>\n<div class=\"td-post-content tagdiv-type\">\n<div class=\"td-a-rec td-a-rec-id-content_top  tdi_3 td_block_template_1\">\n<div class=\"nb-social-buttons\"><a class=\"nb-social-btn nb-social-youtube\" href=\"https:\/\/www.youtube.com\/@ZiarulNewsBucovina?sub_confirmation=1\" target=\"_blank\" rel=\"noopener external\" title=\"Aboneaz\u0103-te la NewsBucovina pe YouTube\"><span class=\"nb-social-text\"><strong>Aboneaz\u0103-te pe YouTube<\/strong><small>NewsBucovina<\/small><\/span><\/a><a class=\"nb-social-btn nb-social-telegram\" href=\"https:\/\/t.me\/+TH8wcfnp8fw5NWI0\" target=\"_blank\" rel=\"noopener external\" title=\"Intr\u0103 \u00een grupul Telegram News Bucovina\"><span class=\"nb-social-text\"><strong>Intr\u0103 pe Telegram<\/strong><small>Grupul News Bucovina<\/small><\/span><\/a><a class=\"nb-social-btn nb-social-google\" href=\"https:\/\/www.google.com\/preferences\/source?q=newsbucovina.ro\" target=\"_blank\" rel=\"noopener external\" title=\"Adaug\u0103 NewsBucovina ca surs\u0103 preferat\u0103 \u00een Google\"><span class=\"nb-social-text\"><strong>Adaug\u0103 NewsBucovina<\/strong><small>Surs\u0103 preferat\u0103 \u00een Google<\/small><\/span><\/a><\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">Capacitatea real\u0103 de economisire a rom\u00e2nilor r\u0103m\u00e2ne limitat\u0103 \u0219i vulnerabil\u0103 la cre\u0219terea costurilor de trai. Potrivit unui sondaj realizat la ini\u021biativa tbi bank pe un e\u0219antion de 1.223 de angaja\u021bi la nivel na\u021bional, aproape 48% dintre responden\u021bi spun c\u0103 economisesc \u00een fiecare lun\u0103 sau \u00een majoritatea lunilor, \u00een timp ce un sfert reu\u0219esc s\u0103 pun\u0103 bani deoparte doar ocazional, atunci c\u00e2nd le mai r\u0103m\u00e2n fonduri.<\/p>\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank-1024x681.jpg\" alt class=\"wp-image-447141\"><\/a><\/figure>\n<p class=\"wp-block-paragraph\">Peste 22% nu economisesc deloc \u00een prezent sau sunt nevoi\u021bi s\u0103 apeleze la rezervele acumulate anterior. Aproximativ 46% reu\u0219esc s\u0103 economiseasc\u0103 cel mult 500 de lei \u00eentr-o lun\u0103 obi\u0219nuit\u0103, iar 16% nu pun deoparte niciun leu. Chiar \u0219i \u00een r\u00e2ndul celor care economisesc, sumele r\u0103m\u00e2n moderate: aproape 22% p\u0103streaz\u0103 \u00eentre 11% \u0219i 20% din venituri, iar pu\u021bin peste 22% \u00eentre 6% \u0219i 10%.<\/p>\n<p class=\"wp-block-paragraph\">\u201eDatele arat\u0103 c\u0103, pentru mul\u021bi rom\u00e2ni, economisirea r\u0103m\u00e2ne mai degrab\u0103 rezultatul unui echilibru fragil la final de lun\u0103 dec\u00e2t al unui plan financiar constant. Cre\u0219terea costurilor esen\u021biale limiteaz\u0103 sumele disponibile, iar acest lucru face ca disciplina financiar\u0103, accesul la produse simple \u0219i sigure \u0219i formarea unor obiceiuri de economisire s\u0103 devin\u0103 tot mai importante. Rolul institu\u021biilor financiare este s\u0103 ofere solu\u021bii flexibile, u\u0219or de \u00een\u021beles \u0219i adaptate realit\u0103\u021bii bugetelor actuale, astfel \u00eenc\u00e2t economisirea s\u0103 poat\u0103 deveni un comportament predictibil, nu doar o op\u021biune atunci c\u00e2nd r\u0103m\u00e2n bani disponibili\u201d, a declarat Gergana Staykova, Market Leader tbi bank Romania.<\/p>\n<p class=\"wp-block-paragraph\">Capacitatea de economisire s-a deteriorat pentru o parte important\u0103 a popula\u021biei: aproape 42% spun c\u0103 economisesc mai pu\u021bin dec\u00e2t anul trecut, iar peste 9% reu\u0219eau s\u0103 pun\u0103 bani deoparte anterior, dar \u00een prezent nu mai pot. Peste 29% economisesc \u00een primul r\u00e2nd pentru situa\u021bii neprev\u0103zute sau urgen\u021be, iar aproximativ 20% urm\u0103resc s\u0103 \u00ee\u0219i construiasc\u0103 mai mult\u0103 siguran\u021b\u0103 \u0219i independen\u021b\u0103 financiar\u0103.<\/p>\n<p class=\"wp-block-paragraph\">Pentru mul\u021bi, economisirea depinde de banii r\u0103ma\u0219i dup\u0103 cheltuieli. Peste 36% pun deoparte doar ce le mai r\u0103m\u00e2ne la final de lun\u0103, \u00een timp ce numai aproximativ 15% aloc\u0103 un procent fix din venit. Rezervele ofer\u0103 o protec\u021bie limitat\u0103: aproape 23% \u0219i-ar putea acoperi cheltuielile pentru mai pu\u021bin de o lun\u0103 dac\u0103 \u0219i-ar pierde principala surs\u0103 de venit, iar aproximativ 22% ar rezista \u00eentre una \u0219i trei luni.<\/p>\n<p class=\"wp-block-paragraph\">Rom\u00e2nii \u00ee\u0219i p\u0103streaz\u0103 economiile \u00een forme percepute ca sigure \u0219i u\u0219or de accesat \u2013 peste 23% \u021bin cea mai mare parte \u00een contul curent, iar aproape 22% aleg depozitele bancare. Principalul obstacol r\u0103m\u00e2ne scumpirea alimentelor \u0219i a produselor de baz\u0103 (peste 26%), urmat de veniturile prea mici \u00een raport cu cheltuielile (aproape 25%).<\/p>\n<p class=\"wp-block-paragraph\">Economiile sunt folosite at\u00e2t pentru experien\u021be planificate, c\u00e2t \u0219i ca rezerv\u0103 pentru neprev\u0103zute. Aproape 19% le-au folosit sau \u0219i-ar fi dorit s\u0103 le foloseasc\u0103 pentru vacan\u021be, iar peste 14% pentru repara\u021bii la locuin\u021b\u0103 sau ma\u0219in\u0103. Pentru 2026, obiectivele vizeaz\u0103 consolidarea rezervelor: aproape 20% \u00ee\u0219i propun s\u0103 economiseasc\u0103 mai mult dec\u00e2t anul trecut, iar aproape 15% vor s\u0103 \u00ee\u0219i protejeze economiile existente. Cele mai mari temeri financiare sunt problemele de s\u0103n\u0103tate (peste 30%) \u0219i pierderea locului de munc\u0103 (21%).<\/p>\n<p class=\"wp-block-paragraph\">Sondajul tbi bank a fost realizat online \u00een luna iulie 2026, pe un e\u0219antion de 1.223 de utilizatori de internet din Rom\u00e2nia.<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"youtube-embed\" data-video_id=\"2J0wYjeHPYM\"><iframe loading=\"lazy\" title=\"Cresc\u0103toria de Ciori bag\u0103 oamenii \u00een Depresie - E Fabric\u0103 de G\u0102INA\u021a la Suceava\" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/2J0wYjeHPYM?feature=oembed&amp;enablejsapi=1\" frameborder allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div>\n<\/figure>\n<div class=\"td-a-rec td-a-rec-id-content_bottom  tdi_4 td_block_template_1\"><strong>Intr\u0103 acum \u0219i \u00een grupul de <\/p>\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/t.me\/+TH8wcfnp8fw5NWI0\">Telegram News Bucovina<\/a><\/div>\n<p><\/strong><\/div>\n<\/div>\n<p>[analyse_source url=&#8221;https:\/\/www.newsbucovina.ro\/national\/447140\/mai-putin-de-jumatate-dintre-romani-economisesc-constant-46-pun-deoparte-cel-mult-500-de-lei-pe-luna&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/www.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpghttps:\/\/cdn.newsbucovina.ro\/wp-content\/uploads\/2026\/08\/Gergana-Staykova-tbi-bank.jpg&#8221;] Aboneaz\u0103-te pe YouTubeNewsBucovinaIntr\u0103 pe TelegramGrupul News BucovinaAdaug\u0103 NewsBucovinaSurs\u0103 preferat\u0103 \u00een Google Capacitatea real\u0103 de economisire a rom\u00e2nilor r\u0103m\u00e2ne limitat\u0103 \u0219i vulnerabil\u0103 la cre\u0219terea costurilor de trai. Potrivit unui sondaj realizat la ini\u021biativa tbi bank pe un e\u0219antion de 1.223 de angaja\u021bi la nivel na\u021bional, aproape 48% dintre responden\u021bi spun c\u0103 economisesc \u00een [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,165],"class_list":["post-2106412","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-newsbucovina-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2106412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2106412"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2106412\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2106412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2106412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2106412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}