{"id":1015,"date":"2026-11-04T10:00:00","date_gmt":"2026-11-04T10:00:00","guid":{"rendered":"https:\/\/litenett.com\/?page_id=1015"},"modified":"2026-11-04T21:40:07","modified_gmt":"2026-11-04T20:40:07","slug":"personal-financial-plan","status":"publish","type":"page","link":"https:\/\/litenett.com\/hr\/services\/personal-financial-plan\/","title":{"rendered":"Osobni financijski plan"},"content":{"rendered":"<p class=\"ln-x9i__lede\">Va\u0161 novac, isplaniran na na\u010din koji \u0107ete zapravo koristiti - jednostavnim jezikom, s prora\u010dunskom tablicom koju \u010duvate. Naknada je fiksna i poznata prije nego \u0161to i\u0161ta po\u010dne.<\/p>\n<section class=\"ln-xe5\" style=\"margin:40px 0;\">\n<figure><img decoding=\"async\" src=\"\/wp-content\/themes\/litenett\/assets\/img\/section-plan.jpg\" alt=\"Blokovi planiranja\"><\/figure>\n<div>\n<h2>\u0160to se nalazi unutar Litenett osobnog financijskog plana<\/h2>\n<ul>\n<li><strong>Prava mjese\u010dna slika.<\/strong> \u0160to ulazi, \u0161to izlazi i iskreni jaz izme\u0111u.<\/li>\n<li><strong>Jastuk za hitne slu\u010dajeve koji odgovara va\u0161em \u017eivotu.<\/strong> Ne refleksno \u201ctri mjese\u010dne pla\u0107e\u201d \u2013 iznos koji odre\u0111ujemo prema va\u0161im stvarnim tro\u0161kovima, va\u0161em ku\u0107anstvu i \u0161okovima koji bi vas najvi\u0161e povrijedili.<\/li>\n<li><strong>Plan za otplatu skupog duga<\/strong> \u2014 sortirano po kamatnoj stopi, s realnim datumom zavr\u0161etka.<\/li>\n<li><strong>Golovi sa stvarnim brojkama.<\/strong> Ku\u0107a za 7 godina, pauza u karijeri za 3, mirovina bez stresa za 25 - s mjese\u010dnim iznosima koji su svakome potrebni.<\/li>\n<li><strong>Jednostavno stablo odlu\u010divanja<\/strong> za kada se neo\u010dekivano pojavi vi\u0161e novca, ili manje.<\/li>\n<\/ul><\/div>\n<\/section>\n<h2>\u0160to primate, u pisanom obliku<\/h2>\n<ul>\n<li>Pisani plan na jednostavnom jeziku (oko 10 stranica), potpisan od strane va\u0161eg konzultanta.<\/li>\n<li>Prora\u010dunska tablica u\u017eivo koju mo\u017eete ure\u0111ivati zauvijek - prora\u010dun, raspored otplate duga, pra\u0107enje ciljeva.<\/li>\n<li>Dvije radne sesije u trajanju od jednog sata, snimljene ako \u017eelite (i samo ako \u017eelite).<\/li>\n<li>Devedesetdnevna provjera e-po\u0161te - neograni\u010dena kratka pitanja u sljede\u0107a tri mjeseca.<\/li>\n<\/ul>\n<h2>Koliko dugo traje<\/h2>\n<p>Obi\u010dno dva do tri tjedna od potpisanog zaru\u010dni\u010dkog pisma do primopredaje. \u017divot ponekad stane na put - cijena se ne mijenja ako nam treba dodatni tjedan.<\/p>\n<h2>Koliko ko\u0161ta<\/h2>\n<p>Jedan fiksni iznos, ponu\u0111en nakon besplatnog uvodnog poziva. Sve se dogovara pismeno prije po\u010detka bilo kakvog pla\u0107enog rada. Nema postotaka, nema provizija, nema \u201covisi\u201d.<\/p>\n<h2>Kada je plan <em>ne<\/em> sljede\u0107i pravi korak<\/h2>\n<p>Ako vas prevarant ovog tjedna prisiljava na dono\u0161enje odluke, u\u010dinite sljede\u0107e <a href=\"https:\/\/litenett.com\/hr\/services\/check-a-firm-or-offer\/\">\u010dvrsta provjera<\/a> prvo \u2014 plan mo\u017ee pri\u010dekati. Ako nikada niste ulo\u017eili ni lipe u neku investiciju i \u017eelite razumjeti prije nego \u0161to po\u010dnete, rezervirajte <a href=\"https:\/\/litenett.com\/hr\/services\/investing-education\/\">obrazovne sesije<\/a> umjesto toga.<\/p>\n<p><a class=\"ln-btn ln-btn--primary ln-btn--lg\" href=\"https:\/\/litenett.com\/hr\/contact\/\">Rezervirajte konzultacije<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Your money, mapped out in a way you&#8217;ll use.<\/p>","protected":false},"author":1,"featured_media":0,"parent":1001,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1015","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal financial plan \u2014 your money mapped out, spreadsheet included | Litenett<\/title>\n<meta name=\"description\" content=\"Budget, emergency fund, debt payoff and real-number goals in a plan you keep forever. 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