{"id":18862,"date":"2026-05-28T19:34:33","date_gmt":"2026-05-28T17:34:33","guid":{"rendered":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/?p=18862"},"modified":"2026-05-28T19:34:43","modified_gmt":"2026-05-28T17:34:43","slug":"taller-efec-endeutar-se-amb-seny-2","status":"publish","type":"post","link":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/general\/taller-efec-endeutar-se-amb-seny-2\/","title":{"rendered":"Taller EFEC: Endeutar-se amb seny!"},"content":{"rendered":"\n<p>Enguany, repetim amb les formacions que ofereix l&#8217;EFEC, sobre l&#8217;economia i finances personals. Aquesta vegada em tingut la sort de comptar amb l&#8217;Ester. Gr\u00e0cies a les seves explicacions hem pogut veure qu\u00e8 \u00e9s l&#8217;endeutament i com funciona, aix\u00f2 ens ha servit per poder diferenciar si \u00e9s necessari o podr\u00edem estalviar per assolir els nostres objectius financers. Tamb\u00e9 hem apr\u00e8s qu\u00e8 comporta i com fer una bona valoraci\u00f3 gr\u00e0cies a dos conceptes molt importants, el TIN i encara m\u00e9s, el TAE. Durant el taller hem pogut aplicar el que an\u00e0vem aprenem amb casos reals i situacions que ens podem trobar.<\/p>\n\n\n\n<figure class=\"wp-block-image size-medium is-resized is-style-rounded\"><a href=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-scaled.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-300x225.jpg\" alt=\"\" class=\"wp-image-18863\" style=\"width:469px;height:auto\" srcset=\"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-300x225.jpg 300w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-1024x768.jpg 1024w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-768x576.jpg 768w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-1536x1152.jpg 1536w, https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-content\/uploads\/usu458\/2026\/05\/foto-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Enguany, repetim amb les formacions que ofereix l&#8217;EFEC, sobre l&#8217;economia i finances personals. Aquesta vegada em tingut la sort de comptar amb l&#8217;Ester. Gr\u00e0cies a les seves explicacions hem pogut veure qu\u00e8 \u00e9s l&#8217;endeutament i com funciona, aix\u00f2 ens ha servit per poder diferenciar si \u00e9s necessari o podr\u00edem estalviar per assolir els nostres objectius [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","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":"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":"","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":"set","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-18862","post","type-post","status-publish","format-standard","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\/18862","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=18862"}],"version-history":[{"count":2,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/18862\/revisions"}],"predecessor-version":[{"id":18865,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/posts\/18862\/revisions\/18865"}],"wp:attachment":[{"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/media?parent=18862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/categories?post=18862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agora.xtec.cat\/cfaconcepcioarenal\/wp-json\/wp\/v2\/tags?post=18862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}