{"id":18437,"date":"2024-05-22T14:30:13","date_gmt":"2024-05-22T12:30:13","guid":{"rendered":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/?p=18437"},"modified":"2024-05-23T08:15:07","modified_gmt":"2024-05-23T06:15:07","slug":"taller-efec-endeutar-se-amb-seny","status":"publish","type":"post","link":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeutar-se-amb-seny\/","title":{"rendered":"Taller EFEC: Endeutar-se amb seny!"},"content":{"rendered":"<p>El passat dijous dia 16 de Maig les alumnes del segon cicle de formaci\u00f3 instrumental van assistir a un taller sobre economia dom\u00e8stica que tractava el tema dels pr\u00e9stecs i endeutaments.<br \/>\nAl llarg de la vida una persona pot decidir fer inversions (compra d\u2019habitatge, estudis,etc) o inc\u00f3rrer en determinades despeses (cotxe, viatges, articles per a la casa, roba, etc), que en moltes ocasions implica endeutar\u2013se.<br \/>\nEls productes de cr\u00e8dit s\u00f3n una eina efica\u00e7 si s\u2019utilitzen correctament i amb raons justificades, per\u00f2 tamb\u00e9 poden causar estralls en les finances personals si s\u00f3n utilitzats incorrectament o en exc\u00e9s. Durant el taller es van formular les seg\u00fcents preguntes:<\/p>\n<ul>\n<li>Ho necessito?<\/li>\n<li>Quin tipus de pr\u00e9stec \u00e9s el millor?<\/li>\n<li>Qu\u00e8 \u00e9s la TAE i la TIN?<\/li>\n<li>Quins pr\u00e9stecs i targetes hi ha a disposici\u00f3? Quin m\u2019interessa m\u00e9s?<\/li>\n<\/ul>\n<p>Plantejar-se si el deute \u00e9s o no raonable, quin seria el finan\u00e7ament m\u00e9s convenient a fer, tenir motius v\u00e0lids per justificar-ho, aix\u00ed com con\u00e8ixer els diferents productes de cr\u00e8dit i identificar<br \/>\nla millor alternativa de pr\u00e9stec entre les diferents opcions que s\u2019ofereixen. Durant el taller vam poder entendre la import\u00e0ncia de plantejar-se aquestes q\u00fcestions abans de prendre la decisi\u00f3 d\u2019endeutar-se.<a href=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2024\/05\/gastoseconomiadomestica.jpeg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18439 alignleft\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2024\/05\/gastoseconomiadomestica.jpeg\" alt=\"\" width=\"626\" height=\"417\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2024\/05\/gastoseconomiadomestica.jpeg 626w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2024\/05\/gastoseconomiadomestica-300x200.jpeg 300w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El passat dijous dia 16 de Maig les alumnes del segon cicle de formaci\u00f3 instrumental van assistir a un taller sobre economia dom\u00e8stica que tractava el tema dels pr\u00e9stecs i endeutaments. Al llarg de la vida una persona pot decidir fer inversions (compra d\u2019habitatge, estudis,etc) o inc\u00f3rrer en determinades despeses (cotxe, viatges, articles per a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18439,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","theme-transparent-header-meta":"","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":"var(--ast-global-color-4)","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":[91,1,29],"tags":[],"class_list":["post-18437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-formacio-instrumental","category-general","category-portada"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/18437","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/comments?post=18437"}],"version-history":[{"count":4,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/18437\/revisions"}],"predecessor-version":[{"id":18443,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/18437\/revisions\/18443"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/media\/18439"}],"wp:attachment":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/media?parent=18437"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/categories?post=18437"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/tags?post=18437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}