{"id":7499,"date":"2026-04-13T14:31:16","date_gmt":"2026-04-13T14:31:16","guid":{"rendered":"https:\/\/dizainoarkliukas.lt\/?p=7499"},"modified":"2026-04-13T14:31:16","modified_gmt":"2026-04-13T14:31:16","slug":"kaip-valdyti-pinigus-dar-neturint-dideliu-pajamu-patarimai-jaunimui","status":"publish","type":"post","link":"https:\/\/dizainoarkliukas.lt\/?p=7499","title":{"rendered":"Kaip valdyti pinigus dar neturint dideli\u0173 pajam\u0173: patarimai jaunimui"},"content":{"rendered":"<p><\/p>\n<div wp_automatic_readability=\"136.51392547986\">\n<p><strong>\u0160ios savait\u0117s jaunimo laidoje \u201eO tai kaip?\u201c gvildenama tema, kuri palie\u010dia kiekvien\u0105 \u2013 net jei dar neturite dideli\u0173 pajam\u0173. <\/strong><\/p>\n<p>Tai \u2013 finansinis ra\u0161tingumas. Kaip tvarkyti savo pinigus? Kaip ne\u012fklimpti \u012f skolas? Ir ar tikrai taupyti verta jau nuo pirmo euro? <\/p>\n<p>\u012e \u0161iuos klausimus pad\u0117s atsakyti m\u016bs\u0173 vie\u0161nia \u2013 \u0160iauli\u0173 valstybin\u0117s kolegijos Verslo ir technologij\u0173 fakulteto dekan\u0117 Erika Jonu\u0161kien\u0117, kuri ne tik dirba su studentais, bet ir puikiai mato, su kokiais finansiniais i\u0161\u0161\u016bkiais \u0161iandien susiduria jaunimas.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kodel_jusu_nuomone_finansinis_rastingumas_jaunimui_siandien_yra_toks_svarbus\" >Kod\u0117l, j\u016bs\u0173 nuomone, finansinis ra\u0161tingumas jaunimui \u0161iandien yra toks svarbus?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kaip_jaunimui_reiketu_pradeti_tvarkyti_savo_finansus_gavus_pirmaji_atlyginima_ar_gaunant_kisenpinigius\" >Kaip jaunimui reik\u0117t\u0173 prad\u0117ti tvarkyti savo finansus gavus pirm\u0105j\u012f atlyginim\u0105 ar gaunant ki\u0161enpinigius?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Ar_verta_planuoti_biudzeta_jei_pajamos_dar_labai_mazos_ar_nereguliarios\" >Ar verta planuoti biud\u017eet\u0105, jei pajamos dar labai ma\u017eos ar nereguliarios?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kokias_2%E2%80%933_klaidas_dazniausiai_daro_jaunuoliai_gave_pirmuosius_pinigus\" >Kokias 2\u20133 klaidas da\u017eniausiai daro jaunuoliai, gav\u0119 pirmuosius pinigus?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kaip_atskirti_%E2%80%9Enoriu%E2%80%9C_ir_%E2%80%9Ereikia%E2%80%9C_kai_aplink_tiek_pagundu\" >Kaip atskirti \u201enoriu\u201c ir \u201ereikia\u201c, kai aplink tiek pagund\u0173?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Ar_pastebite_kad_studentams_ar_moksleiviams_truksta_finansiniu_ziniu\" >Ar pastebite, kad studentams ar moksleiviams tr\u016bksta finansini\u0173 \u017eini\u0173?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Socialiniai_tinklai_daznai_skatina_vartojima_%E2%80%93_kaip_tai_veikia_jaunu_zmoniu_finansus_Kaip_susivaldyti\" >Socialiniai tinklai da\u017enai skatina vartojim\u0105 \u2013 kaip tai veikia jaun\u0173 \u017emoni\u0173 finansus? Kaip susivaldyti?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kokia_suma_rekomenduotumete_tureti_%E2%80%9Ejuodai_dienai%E2%80%9C\" >Koki\u0105 sum\u0105 rekomenduotum\u0117te tur\u0117ti \u201ejuodai dienai\u201c?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kaip_issiugdyti_iproti_taupyti\" >Kaip i\u0161siugdyti \u012fprot\u012f taupyti?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kada_jus_pati_pradejote_dometis_finansiniu_rastingumu\" >Kada j\u016bs pati prad\u0117jote dom\u0117tis finansiniu ra\u0161tingumu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\/#Kada_prasidejo_jusu_kelias_Siauliu_valstybineje_kolegijoje\" >Kada prasid\u0117jo j\u016bs\u0173 kelias \u0160iauli\u0173 valstybin\u0117je kolegijoje?<\/a><\/li><\/ul><\/nav><\/div>\n<h4 id=\"kod\u0117l-j\u016bs\u0173-nuomone-finansinis-ra\u0161tingumas-jaunimui-\u0161iandien-yra-toks-svarbus\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kodel_jusu_nuomone_finansinis_rastingumas_jaunimui_siandien_yra_toks_svarbus\"><\/span>Kod\u0117l, j\u016bs\u0173 nuomone, finansinis ra\u0161tingumas jaunimui \u0161iandien yra toks svarbus?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Finansinis ra\u0161tingumas yra b\u016btinas ne tik jaunimui, bet ir kiekvienam \u017emogui. Vis d\u0117lto jaunimas \u0161iandien gyvena pasaulyje, kuriame socialiniai tinklai daro did\u017eiul\u0119 \u012ftak\u0105. Matome, kaip gra\u017eiai gyvena kiti \u017emon\u0117s, kiek daug jie keliauja ir pramogauja. \u017dinoma, didel\u0119 \u012ftak\u0105 daro ir draugai \u2013 tai, k\u0105 turi jie, noriu tur\u0117ti ir a\u0161. Galimyb\u0117s vienu mygtuko paspaudimu \u012fsigyti daikt\u0105 ar net kelion\u0119 yra labai didel\u0117s. Prie viso to prisideda ir prekyboje taikomos nuolaidos, kurios dar labiau skatina vartoti. Visa tai gali lemti didelius nuostolius ar net \u012fklimpim\u0105 \u012f skolas.<\/p>\n<h4 id=\"kaip-jaunimui-reik\u0117t\u0173-prad\u0117ti-tvarkyti-savo-finansus-gavus-pirm\u0105j\u012f-atlyginim\u0105-ar-gaunant-ki\u0161enpinigius\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaip_jaunimui_reiketu_pradeti_tvarkyti_savo_finansus_gavus_pirmaji_atlyginima_ar_gaunant_kisenpinigius\"><\/span>Kaip jaunimui reik\u0117t\u0173 prad\u0117ti tvarkyti savo finansus gavus pirm\u0105j\u012f atlyginim\u0105 ar gaunant ki\u0161enpinigius?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Pirmiausia \u2013 planuoti. Reikia \u017einoti, kiek ir koki\u0173 pinig\u0173 gaunama, bei \u012fsivertinti planuojamas i\u0161laidas. Kaip ir kiekvienam \u017emogui, svarbu suprasti, kiek pajam\u0173 bus gauta ir kiek pinig\u0173 konkre\u010diu laikotarpiu reik\u0117s i\u0161leisti. Taip pat b\u016btina \u012fsivertinti, kas nutiks, jeigu planuotos pajamos visgi nebus gautos.<\/p>\n<h4 id=\"ar-verta-planuoti-biud\u017eet\u0105-jei-pajamos-dar-labai-ma\u017eos-ar-nereguliarios\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ar_verta_planuoti_biudzeta_jei_pajamos_dar_labai_mazos_ar_nereguliarios\"><\/span>Ar verta planuoti biud\u017eet\u0105, jei pajamos dar labai ma\u017eos ar nereguliarios?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Biud\u017eet\u0105 ir finansin\u012f plan\u0105 tur\u0117ti b\u016btina kiekvienam, nepriklausomai nuo pajam\u0173 dyd\u017eio. Tai reikalinga tam, kad i\u0161tikus nenumatytoms aplinkyb\u0117ms tur\u0117tume finansin\u012f rezerv\u0105. Jei jaunas \u017emogus neturi galimyb\u0117s u\u017esidirbti, studentui stipendija ar moksleiviui ki\u0161enpinigiai taip pat yra pajamos. Jas b\u016btina fiksuoti, nes gyvenimas yra nenusp\u0117jamas.<\/p>\n<h4 id=\"kokias-2-3-klaidas-da\u017eniausiai-daro-jaunuoliai-gav\u0119-pirmuosius-pinigus\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kokias_2%E2%80%933_klaidas_dazniausiai_daro_jaunuoliai_gave_pirmuosius_pinigus\"><\/span>Kokias 2\u20133 klaidas da\u017eniausiai daro jaunuoliai, gav\u0119 pirmuosius pinigus?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Viena da\u017eniausi\u0173 klaid\u0173 \u2013 emocinis pirkimas. Pama\u010diau, panoro, nepagalvojau, ar tikrai reikia \u2013 ir nusipirkau.<\/p>\n<p>Taip pat daugelis jaunimo neplanuoja savo biud\u017eeto. Pajamas dar susiskai\u010diuoja, ta\u010diau i\u0161laidas planuoja aplaid\u017eiai. V\u0117liau nebe\u017eino, kur dingo pinigai ir ar pirkiniai i\u0161 ties\u0173 buvo b\u016btini.<\/p>\n<h4 id=\"kaip-atskirti-noriu-ir-reikia-kai-aplink-tiek-pagund\u0173\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaip_atskirti_%E2%80%9Enoriu%E2%80%9C_ir_%E2%80%9Ereikia%E2%80%9C_kai_aplink_tiek_pagundu\"><\/span>Kaip atskirti \u201enoriu\u201c ir \u201ereikia\u201c, kai aplink tiek pagund\u0173?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Jeigu pirkinys ar paslauga yra reikalingi konkre\u010diai problemai spr\u0119sti \u2013 tai \u201ereikia\u201c. Ta\u010diau jei tai tik trumpalaikis, impulsyvus noras, verta sustoti ir pagalvoti. Reik\u0117t\u0173 sav\u0119s paklausti: kas nutiks, jei \u0161io pirkinio ne\u012fsigysiu? Ar i\u0161 ties\u0173 jausiuosi blogiau? Jei ne \u2013 grei\u010diausiai tai yra \u201enoriu\u201c, o ne \u201ereikia\u201c.<\/p>\n<h4 id=\"ar-pastebite-kad-studentams-ar-moksleiviams-tr\u016bksta-finansini\u0173-\u017eini\u0173\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ar_pastebite_kad_studentams_ar_moksleiviams_truksta_finansiniu_ziniu\"><\/span>Ar pastebite, kad studentams ar moksleiviams tr\u016bksta finansini\u0173 \u017eini\u0173?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Taip, pagrindini\u0173 finansinio ra\u0161tingumo taisykli\u0173 \u017eino ne visi. \u0160eimose \u0161ios temos ne visada aptariamos, o mokyklose tr\u016bksta nuoseklumo.<\/p>\n<h4 id=\"socialiniai-tinklai-da\u017enai-skatina-vartojim\u0105-kaip-tai-veikia-jaun\u0173-\u017emoni\u0173-finansus-kaip-susivaldyti\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Socialiniai_tinklai_daznai_skatina_vartojima_%E2%80%93_kaip_tai_veikia_jaunu_zmoniu_finansus_Kaip_susivaldyti\"><\/span>Socialiniai tinklai da\u017enai skatina vartojim\u0105 \u2013 kaip tai veikia jaun\u0173 \u017emoni\u0173 finansus? Kaip susivaldyti?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Pirmiausia reikia ugdyti kritin\u012f m\u0105stym\u0105. Socialiniai tinklai da\u017enai kuria iliuzij\u0105 ar netikr\u0105 realyb\u0119. Turime sav\u0119s paklausti, ar tikrai norime gyventi taip, kaip rodo kiti.<\/p>\n<p>Taip pat svarbu vengti emocinio pirkimo. Galima taikyti 24 valand\u0173 taisykl\u0119 \u2013 prie\u0161 perkant palaukti ir apsvarstyti sprendim\u0105. Net paprastas veiksmas, pavyzd\u017eiui, kortel\u0117s duomen\u0173 i\u0161trynimas i\u0161 elektronini\u0173 parduotuvi\u0173, gali pad\u0117ti suma\u017einti impulsyvius pirkimus. Emocijos da\u017enai nusl\u016bgsta greitai.<\/p>\n<h4 id=\"koki\u0105-sum\u0105-rekomenduotum\u0117te-tur\u0117ti-juodai-dienai\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kokia_suma_rekomenduotumete_tureti_%E2%80%9Ejuodai_dienai%E2%80%9C\"><\/span>Koki\u0105 sum\u0105 rekomenduotum\u0117te tur\u0117ti \u201ejuodai dienai\u201c?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Tai priklauso nuo pajam\u0173, ta\u010diau da\u017eniausiai rekomenduojama tur\u0117ti finansin\u0119 \u201epagalv\u0119\u201c, lygi\u0105 3\u20136 m\u0117nesi\u0173 b\u016btinoms i\u0161laidoms. Jaunam \u017emogui tai gali b\u016bti didel\u0117 suma, tod\u0117l prad\u0117ti galima nuo ma\u017eesni\u0173 tiksl\u0173 \u2013 pavyzd\u017eiui, 500\u20131000 eur\u0173. Net ir toks rezervas suteikia daugiau saugumo.<\/p>\n<h4 id=\"kaip-i\u0161siugdyti-\u012fprot\u012f-taupyti\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaip_issiugdyti_iproti_taupyti\"><\/span>Kaip i\u0161siugdyti \u012fprot\u012f taupyti?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Taupymo \u012fprot\u012f reik\u0117t\u0173 ugdytis nuo pirm\u0173j\u0173 ki\u0161enpinigi\u0173. Svarbu nei\u0161leisti visos sumos i\u0161 karto, o dal\u012f atsid\u0117ti. Net ir vienas euras yra taupymo prad\u017eia. Nuoseklumas ilgainiui duoda rezultat\u0173.<\/p>\n<h4 id=\"kada-j\u016bs-pati-prad\u0117jote-dom\u0117tis-finansiniu-ra\u0161tingumu\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kada_jus_pati_pradejote_dometis_finansiniu_rastingumu\"><\/span>Kada j\u016bs pati prad\u0117jote dom\u0117tis finansiniu ra\u0161tingumu?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Dom\u0117tis prad\u0117jau studij\u0173 metais. Studijavau su apskaita, vadyba ir finansais susijusius dalykus. Tuo metu informacijos i\u0161 kitur gauti buvo sud\u0117tinga, tod\u0117l daug kas at\u0117jo per moksl\u0105. B\u016btent tada prad\u0117jau planuoti savo asmenin\u012f biud\u017eet\u0105.<\/p>\n<h4 id=\"kada-prasid\u0117jo-j\u016bs\u0173-kelias-\u0161iauli\u0173-valstybin\u0117je-kolegijoje\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kada_prasidejo_jusu_kelias_Siauliu_valstybineje_kolegijoje\"><\/span>Kada prasid\u0117jo j\u016bs\u0173 kelias \u0160iauli\u0173 valstybin\u0117je kolegijoje?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u0160ioje auk\u0161tojoje mokykloje prad\u0117jau dirbti beveik prie\u0161 20 met\u0173. Karjer\u0105 prad\u0117jau kaip d\u0117stytoja, o \u0161iandien einu dekan\u0117s pareigas. <\/p>\n<p>Man patinka dirbti su jaunimu \u2013 d\u017eiaugiuosi gal\u0117dama dalintis patirtimi ir pad\u0117ti jiems pasirinkti savo keli\u0105.<\/p>\n<pre class=\"wp-block-verse\">\u2022 Pla\u010diau apie finansin\u012f ra\u0161tingum\u0105 ir jaun\u0173 \u017emoni\u0173 \u012fpro\u010dius \u2013 \u201eO tai kaip?\u201c laidoje su Rusne Aleksandravi\u010di\u016bte<\/pre>\n<div class=\"g g-82\">\n<div class=\"g-single a-233\"><\/div>\n<\/div><\/div>\n<p><a href=\"https:\/\/miestonaujienos.lt\/kaip-valdyti-pinigus-dar-neturint-dideliu-pajamu-patarimai-jaunimui\/\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0160ios savait\u0117s jaunimo laidoje \u201eO tai kaip?\u201c gvildenama tema, kuri palie\u010dia kiekvien\u0105 \u2013 net jei dar neturite dideli\u0173 pajam\u0173. Tai&hellip;<\/p>\n","protected":false},"author":1,"featured_media":7500,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[51],"tags":[9,1168,7552,118,10219,1949,10220,1885,6934],"class_list":["post-7499","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-svietimas-ir-mokslas","tag-dar","tag-dideliu","tag-jaunimui","tag-kaip","tag-neturint","tag-pajamu","tag-patarimai","tag-pinigus","tag-valdyti"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kaip valdyti pinigus dar neturint dideli\u0173 pajam\u0173: patarimai jaunimui - DizainoArkliukas.LT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dizainoarkliukas.lt\/?p=7499\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kaip valdyti pinigus dar neturint dideli\u0173 pajam\u0173: patarimai jaunimui - DizainoArkliukas.LT\" \/>\n<meta property=\"og:description\" content=\"\u0160ios savait\u0117s jaunimo laidoje \u201eO tai kaip?\u201c gvildenama tema, kuri palie\u010dia kiekvien\u0105 \u2013 net jei dar neturite dideli\u0173 pajam\u0173. 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