{"id":11066,"date":"2025-08-06T07:36:54","date_gmt":"2025-08-06T07:36:54","guid":{"rendered":"https:\/\/www.izobrazen.si\/?p=11066"},"modified":"2025-08-22T09:33:23","modified_gmt":"2025-08-22T09:33:23","slug":"financna-pismenost-in-smart-metoda","status":"publish","type":"post","link":"https:\/\/www.izobrazen.si\/en\/financna-pismenost-in-smart-metoda\/","title":{"rendered":"FINANCIAL LITERACY AND SMART METHOD"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Set clear goals (SMART method)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The goals should be:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Specific (e.g. saving for a vacation),<\/li>\n\n\n\n<li>Measurable (e.g. \u20ac600),<\/li>\n\n\n\n<li>Affordable (based on your income),<\/li>\n\n\n\n<li>Realistic (according to your capabilities),<\/li>\n\n\n\n<li>Temporal (time-specific \u2013 e.g. within 6 months).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example of a SMART goal:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIn 6 months I will save \u20ac600 for a vacation.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Establish a routine \u2013 15 minutes a week for finances<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your balance (accounts, cards, cash).<\/li>\n\n\n\n<li>Adjust the budget (if anything changes).<\/li>\n\n\n\n<li>See if you're closer to your goal.<\/li>\n\n\n\n<li>See where you can reduce costs or increase savings.<\/li>\n\n\n\n<li>Involve your family in <a href=\"https:\/\/www.izobrazen.si\/en\/product\/financna-pismenost\/\" data-type=\"product\" data-id=\"9577\">the conversation about money.<\/a><\/li>\n\n\n\n<li>Children should understand basic concepts (savings, want vs. need).<\/li>\n\n\n\n<li>The partner should be involved in planning the goals.<\/li>\n\n\n\n<li>Shared goals strengthen accountability and cooperation.<\/li>\n\n\n\n<li>Use goal visualization \u2013 for example, print out a picture of your goal and check it off when you reach a milestone.<\/li>\n\n\n\n<li>When you reach your goal, treat yourself to a symbolic reward (e.g. ice cream, a day off from work).<\/li>\n\n\n\n<li>Regularly remind yourself of your \"why\" - why this goal means something more to you.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Postavi si jasne cilje (SMART metoda) Cilji naj bodo: Primer SMART cilja: &#8220;V 6 mesecih bom privar\u010deval_a 600 \u20ac za dopust.&#8221; Vzpostavi rutino \u2013 15 minut na teden za finance<\/p>","protected":false},"author":1,"featured_media":11072,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"FINAN\u010cNA PISMENOST IN SMART METODA","_seopress_titles_desc":"Nau\u010dite se postavljati SMART cilje v financah \u2013 specifi\u010dne, merljive, dosegljive, realisti\u010dne in \u010dasovno opredeljene. Vzpostavite rutino, vklju\u010dite dru\u017eino in hitreje dosezite svoje finan\u010dne cilje.","_seopress_robots_index":"","footnotes":""},"categories":[96],"tags":[],"class_list":["post-11066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financna-pismenost"],"blocksy_meta":"","_links":{"self":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts\/11066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/comments?post=11066"}],"version-history":[{"count":0,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts\/11066\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media\/11072"}],"wp:attachment":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media?parent=11066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/categories?post=11066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/tags?post=11066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}