{"id":56,"date":"2025-12-22T19:52:01","date_gmt":"2025-12-22T19:52:01","guid":{"rendered":"https:\/\/oikiakioikonomia.gr\/?p=56"},"modified":"2025-12-22T19:52:01","modified_gmt":"2025-12-22T19:52:01","slug":"%ce%bf%ce%b4%ce%b7%ce%b3%cf%8c%cf%82-%ce%b5%cf%80%ce%b9%ce%b2%ce%af%cf%89%cf%83%ce%b7%cf%82-%cf%80%cf%8e%cf%82-%ce%bd%ce%b1-%cf%86%cf%84%ce%b9%ce%ac%ce%be%ce%b5%ce%b9%cf%82-%cf%84%ce%bf%ce%bd-%cf%80","status":"publish","type":"post","link":"https:\/\/oikiakioikonomia.gr\/?p=56","title":{"rendered":"\u039f\u03b4\u03b7\u03b3\u03cc\u03c2 \u0395\u03c0\u03b9\u03b2\u03af\u03c9\u03c3\u03b7\u03c2: \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03c6\u03c4\u03b9\u03ac\u03be\u03b5\u03b9\u03c2 \u03c4\u03bf\u03bd \u03c0\u03c1\u03ce\u03c4\u03bf \u03c3\u03bf\u03c5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03bf \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03b3\u03b9\u03b1 \u03c4\u03bf 2026"},"content":{"rendered":"\n<p>\u0397 \u03b1\u03c1\u03c7\u03ae \u03c4\u03b7\u03c2 \u03c7\u03c1\u03bf\u03bd\u03b9\u03ac\u03c2 \u03c6\u03ad\u03c1\u03bd\u03b5\u03b9 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03bc\u03b9\u03b1 \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03b1\u03bd\u03b1\u03bd\u03ad\u03c9\u03c3\u03b7\u03c2. \u03a5\u03c0\u03bf\u03c3\u03c7\u03cc\u03bc\u03b1\u03c3\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03b5\u03b1\u03c5\u03c4\u03cc \u03bc\u03b1\u03c2 \u03cc\u03c4\u03b9 \u00ab\u03c6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03b3\u03c5\u03bc\u03bd\u03b1\u03c3\u03c4\u03ce\u00bb \u03ae \u00ab\u03c6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03c4\u03c1\u03ce\u03c9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1\u00bb. \u038c\u03bc\u03c9\u03c2, \u03b7 \u03c0\u03b9\u03bf \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03cc\u03c3\u03c7\u03b5\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af\u03c2 \u03bd\u03b1 \u03b4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03bf\u03bd \u03b5\u03b1\u03c5\u03c4\u03cc \u03c3\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03bf 2026 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c5\u03c4\u03ae: <strong>\u03a6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03be\u03ad\u03c1\u03c9 \u03c0\u03bf\u03cd \u03c0\u03b7\u03b3\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 \u03bb\u03b5\u03c6\u03c4\u03ac \u03bc\u03bf\u03c5.<\/strong><\/p>\n\n\n\n<p>\u039f \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc\u03c2 (budgeting) \u03b1\u03ba\u03bf\u03cd\u03b3\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c0\u03bf\u03bb\u03bb\u03bf\u03cd\u03c2 \u03c3\u03b1\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03b3\u03ba\u03b1\u03c3\u03c4\u03b9\u03ba\u03cc \u03ad\u03c1\u03b3\u03bf \u03ae \u03c3\u03b1\u03bd \u03ba\u03ac\u03c4\u03b9 \u03c0\u03bf\u03c5 \u03ba\u03ac\u03bd\u03bf\u03c5\u03bd \u03bc\u03cc\u03bd\u03bf \u03bf\u03b9 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03ad\u03c2. \u03a3\u03c4\u03b7\u03bd \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1, \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03bf \u03b1\u03c0\u03cc\u03bb\u03c5\u03c4\u03bf \u03b5\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03bf \u03b5\u03bb\u03b5\u03c5\u03b8\u03b5\u03c1\u03af\u03b1\u03c2. \u03a3\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c4\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03be\u03bf\u03b4\u03b5\u03cd\u03b5\u03b9\u03c2 \u03c7\u03c9\u03c1\u03af\u03c2 \u03c4\u03cd\u03c8\u03b5\u03b9\u03c2, \u03b3\u03b9\u03b1\u03c4\u03af \u03be\u03ad\u03c1\u03b5\u03b9\u03c2 \u03b1\u03ba\u03c1\u03b9\u03b2\u03ce\u03c2 \u03c4\u03b9 \u03c3\u03bf\u03c5 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03b5\u03cd\u03b5\u03b9.<\/p>\n\n\n\n<p>\u0391\u03c2 \u03b4\u03bf\u03cd\u03bc\u03b5 \u03c0\u03ce\u03c2 \u03b8\u03b1 \u03c3\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b9\u03ba\u03cc \u03c3\u03bf\u03c5, \u03b2\u03ae\u03bc\u03b1-\u03b2\u03ae\u03bc\u03b1, \u03c7\u03c9\u03c1\u03af\u03c2 \u03c0\u03b5\u03c1\u03b9\u03c4\u03c4\u03ad\u03c2 \u03c0\u03b5\u03c1\u03b9\u03c0\u03bb\u03bf\u03ba\u03ad\u03c2.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u0397 \u039c\u03ad\u03b8\u03bf\u03b4\u03bf\u03c2 50\/30\/20: \u0397 \u03a0\u03c5\u03be\u03af\u03b4\u03b1 \u03c3\u03bf\u03c5<\/strong><\/h3>\n\n\n\n<p>\u0391\u03bd \u03b4\u03b5\u03bd \u03be\u03ad\u03c1\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c0\u03bf\u03cd \u03bd\u03b1 \u03be\u03b5\u03ba\u03b9\u03bd\u03ae\u03c3\u03b5\u03b9\u03c2, \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b5 \u03c4\u03bf\u03bd \u00ab\u03c7\u03c1\u03c5\u03c3\u03cc \u03ba\u03b1\u03bd\u03cc\u03bd\u03b1\u00bb. \u03a7\u03ce\u03c1\u03b9\u03c3\u03b5 \u03c4\u03bf \u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03bf \u03c3\u03bf\u03c5 \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03c3\u03b5 \u03c4\u03c1\u03b5\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b5\u03c2:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% \u03b3\u03b9\u03b1 \u0391\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2:<\/strong> \u0395\u03bd\u03bf\u03af\u03ba\u03b9\u03bf\/\u0394\u03ac\u03bd\u03b5\u03b9\u03bf, \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03af, \u03c3\u03bf\u03cd\u03c0\u03b5\u03c1 \u03bc\u03ac\u03c1\u03ba\u03b5\u03c4, \u03b2\u03b5\u03bd\u03b6\u03af\u03bd\u03b7.<\/li>\n\n\n\n<li><strong>30% \u03b3\u03b9\u03b1 \u0395\u03c0\u03b9\u03b8\u03c5\u03bc\u03af\u03b5\u03c2:<\/strong> \u0388\u03be\u03bf\u03b4\u03bf\u03b9, \u03c7\u03cc\u03bc\u03c0\u03b9, Netflix, \u03b5\u03ba\u03b5\u03af\u03bd\u03bf \u03c4\u03bf \u03b6\u03b5\u03c5\u03b3\u03ac\u03c1\u03b9 \u03c0\u03b1\u03c0\u03bf\u03cd\u03c4\u03c3\u03b9\u03b1 \u03c0\u03bf\u03c5 \u03b5\u03af\u03b4\u03b5\u03c2 \u03c3\u03c4\u03b7 \u03b2\u03b9\u03c4\u03c1\u03af\u03bd\u03b1.<\/li>\n\n\n\n<li><strong>20% \u03b3\u03b9\u03b1 \u0391\u03c0\u03bf\u03c4\u03b1\u03bc\u03af\u03b5\u03c5\u03c3\u03b7 \u03ae \u03a7\u03c1\u03ad\u03b7:<\/strong> \u0395\u03b4\u03ce \u03c7\u03c4\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd \u03c3\u03bf\u03c5.<\/li>\n<\/ul>\n\n\n\n<p>\u0391\u03bd \u03bf\u03b9 \u00ab\u0391\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2\u00bb \u03c3\u03bf\u03c5 \u03be\u03b5\u03c0\u03b5\u03c1\u03bd\u03bf\u03cd\u03bd \u03c4\u03bf 50% (\u03ba\u03ac\u03c4\u03b9 \u03c3\u03c5\u03bd\u03b7\u03b8\u03b9\u03c3\u03bc\u03ad\u03bd\u03bf \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03ba\u03c1\u03af\u03b2\u03b5\u03b9\u03b1 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1), \u03bc\u03b7\u03bd \u03b1\u03c0\u03bf\u03b3\u03bf\u03b7\u03c4\u03b5\u03cd\u03b5\u03c3\u03b1\u03b9. \u039f \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bd\u03b1 \u03c0\u03bb\u03b7\u03c3\u03b9\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c3\u03c4\u03b1\u03b4\u03b9\u03b1\u03ba\u03ac, \u03ba\u03cc\u03b2\u03bf\u03bd\u03c4\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u00ab\u0395\u03c0\u03b9\u03b8\u03c5\u03bc\u03af\u03b5\u03c2\u00bb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u039a\u03b1\u03c4\u03ad\u03b3\u03c1\u03b1\u03c8\u03b5 \u03c4\u03b1 \u00ab\u03a0\u03ac\u03b3\u03b9\u03b1\u00bb (\u03a4\u03b1 \u03b1\u03bd\u03b1\u03c0\u03cc\u03c6\u03b5\u03c5\u03ba\u03c4\u03b1)<\/strong><\/h3>\n\n\n\n<p>\u03a0\u03c1\u03b9\u03bd \u03be\u03b5\u03ba\u03b9\u03bd\u03ae\u03c3\u03b5\u03b9 \u03bf \u03bc\u03ae\u03bd\u03b1\u03c2, \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03be\u03ad\u03c1\u03b5\u03b9\u03c2 \u03c4\u03b1 \u03c3\u03af\u03b3\u03bf\u03c5\u03c1\u03b1 \u03ad\u03be\u03bf\u03b4\u03b1. \u03a6\u03c4\u03b9\u03ac\u03be\u03b5 \u03bc\u03b9\u03b1 \u03bb\u03af\u03c3\u03c4\u03b1 \u03bc\u03b5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0395\u03bd\u03bf\u03af\u03ba\u03b9\u03bf \/ \u039a\u03bf\u03b9\u03bd\u03cc\u03c7\u03c1\u03b7\u03c3\u03c4\u03b1.<\/li>\n\n\n\n<li>\u0391\u03c3\u03c6\u03ac\u03bb\u03b5\u03b9\u03b5\u03c2 (\u03b1\u03c5\u03c4\u03bf\u03ba\u03b9\u03bd\u03ae\u03c4\u03bf\u03c5, \u03c5\u03b3\u03b5\u03af\u03b1\u03c2).<\/li>\n\n\n\n<li>\u03a3\u03c5\u03bd\u03b4\u03c1\u03bf\u03bc\u03ad\u03c2 (\u03b3\u03c5\u03bc\u03bd\u03b1\u03c3\u03c4\u03ae\u03c1\u03b9\u03bf, \u03ba\u03b9\u03bd\u03b7\u03c4\u03cc).<\/li>\n\n\n\n<li>\u0394\u03cc\u03c3\u03b5\u03b9\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ae \u03ba\u03b1\u03c1\u03c4\u03ce\u03bd.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pro Tip:<\/strong> \u039c\u03b7\u03bd \u03be\u03b5\u03c7\u03bd\u03ac\u03c2 \u03c4\u03b1 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03ad\u03be\u03bf\u03b4\u03b1 (\u03c0.\u03c7. \u03a4\u03ad\u03bb\u03b7 \u039a\u03c5\u03ba\u03bb\u03bf\u03c6\u03bf\u03c1\u03af\u03b1\u03c2). \u0394\u03b9\u03b1\u03af\u03c1\u03b5\u03c3\u03b5 \u03c4\u03bf \u03c0\u03bf\u03c3\u03cc \u03b4\u03b9\u03b1 \u03c4\u03bf\u03c5 12 \u03ba\u03b1\u03b9 \u03b2\u03ac\u03bb\u03b5 \u03c4\u03bf \u03ba\u03ac\u03b8\u03b5 \u03bc\u03ae\u03bd\u03b1 \u03c3\u03c4\u03b7\u03bd \u03ac\u03ba\u03c1\u03b7. \u0388\u03c4\u03c3\u03b9, \u03c4\u03bf\u03bd \u0394\u03b5\u03ba\u03ad\u03bc\u03b2\u03c1\u03b9\u03bf \u03b4\u03b5\u03bd \u03b8\u03b1 \u03c8\u03ac\u03c7\u03bd\u03b5\u03b9\u03c2 \u00ab\u03b1\u03c0\u03cc \u03c0\u03bf\u03cd \u03c3\u03bf\u03c5 \u03ae\u03c1\u03b8\u03b5\u00bb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u03a4\u03bf \u00ab\u039c\u03b1\u03be\u03b9\u03bb\u03ac\u03c1\u03b9\u00bb \u0391\u03c3\u03c6\u03b1\u03bb\u03b5\u03af\u03b1\u03c2 (Emergency Fund)<\/strong><\/h3>\n\n\n\n<p>\u03a4\u03bf 2026 \u03b8\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03b1\u03bd\u03b1\u03c0\u03bf\u03b4\u03b9\u03ad\u03c2. \u03a4\u03bf \u03c0\u03bb\u03c5\u03bd\u03c4\u03ae\u03c1\u03b9\u03bf \u03b8\u03b1 \u03c7\u03b1\u03bb\u03ac\u03c3\u03b5\u03b9, \u03c4\u03bf \u03b1\u03c5\u03c4\u03bf\u03ba\u03af\u03bd\u03b7\u03c4\u03bf \u03b8\u03b1 \u03b2\u03b3\u03ac\u03bb\u03b5\u03b9 \u03b6\u03b7\u03bc\u03b9\u03ac \u03ae \u03b8\u03b1 \u03c0\u03c1\u03bf\u03ba\u03cd\u03c8\u03b5\u03b9 \u03ad\u03bd\u03b1\u03c2 \u03ad\u03ba\u03c4\u03b1\u03ba\u03c4\u03bf\u03c2 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03cc\u03c2. \u039f \u03c0\u03c1\u03ce\u03c4\u03bf\u03c2 \u03c3\u03bf\u03c5 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c3\u03c4\u03bf\u03bd \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03b5\u03bd\u03cc\u03c2 \u03c4\u03b1\u03bc\u03b5\u03af\u03bf\u03c5 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b7\u03c2. \u039e\u03b5\u03ba\u03af\u03bd\u03b1 \u03bc\u03b5 \u03ad\u03bd\u03b1\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf 500\u20ac \u03ae 1.000\u20ac. \u0391\u03c5\u03c4\u03ac \u03c4\u03b1 \u03c7\u03c1\u03ae\u03bc\u03b1\u03c4\u03b1 \u03b4\u03b5\u03bd \u03b1\u03b3\u03b3\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b5\u03ba\u03c4\u03cc\u03c2 \u03b1\u03bd \u03c5\u03c0\u03ac\u03c1\u03c7\u03b5\u03b9 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u00ab\u03c0\u03c5\u03c1\u03ba\u03b1\u03b3\u03b9\u03ac\u00bb. \u0398\u03b1 \u03b5\u03ba\u03c0\u03bb\u03b1\u03b3\u03b5\u03af\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03cc\u03c3\u03bf \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b8\u03b1 \u03ba\u03bf\u03b9\u03bc\u03ac\u03c3\u03b1\u03b9 \u03c4\u03bf \u03b2\u03c1\u03ac\u03b4\u03c5.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u0397 \u03a0\u03b1\u03b3\u03af\u03b4\u03b1 \u03c4\u03c9\u03bd \u00ab\u039c\u03b9\u03ba\u03c1\u03ce\u03bd\u00bb \u0395\u03be\u03cc\u03b4\u03c9\u03bd<\/strong><\/h3>\n\n\n\n<p>\u0395\u03b4\u03ce \u03c7\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c4\u03bf \u03c0\u03b1\u03b9\u03c7\u03bd\u03af\u03b4\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf\u03c5\u03c2. \u039f \u03ba\u03b1\u03c6\u03ad\u03c2 \u03b1\u03c0&#8217; \u03ad\u03be\u03c9 \u03ba\u03ac\u03b8\u03b5 \u03bc\u03ad\u03c1\u03b1 (3\u20ac x 30 \u03bc\u03ad\u03c1\u03b5\u03c2 = 90\u20ac \u03c4\u03bf \u03bc\u03ae\u03bd\u03b1) \u03ae \u03c4\u03b1 \u03bc\u03b9\u03ba\u03c1\u03bf\u03c0\u03c1\u03ac\u03b3\u03bc\u03b1\u03c4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03b5\u03c1\u03af\u03c0\u03c4\u03b5\u03c1\u03bf \u03c6\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b1\u03c3\u03ae\u03bc\u03b1\u03bd\u03c4\u03b1. \u038c\u03bc\u03c9\u03c2, \u03b1\u03c5\u03c4\u03ac \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03bf\u03c5 \u00ab\u03c4\u03c1\u03cd\u03c0\u03b1\u03bd\u03b5\u00bb \u03c4\u03bf\u03bd \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03c3\u03bf\u03c5. \u039a\u03b1\u03c4\u03ac\u03b3\u03c1\u03b1\u03c8\u03b5 \u03c4\u03b1 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03b3\u03b9\u03b1 15 \u03bc\u03ad\u03c1\u03b5\u03c2. \u0398\u03b1 \u03b1\u03bd\u03b1\u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03b9\u03c2 \u00ab\u03c4\u03c1\u03cd\u03c0\u03b5\u03c2\u00bb \u03c0\u03bf\u03c5 \u03b4\u03b5\u03bd \u03c6\u03b1\u03bd\u03c4\u03b1\u03b6\u03cc\u03c3\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u0395\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03b1: \u03a7\u03b1\u03c1\u03c4\u03af, Excel \u03ae App;<\/strong><\/h3>\n\n\n\n<p>\u0394\u03b5\u03bd \u03ad\u03c7\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1 \u03c4\u03b9 \u03b8\u03b1 \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9\u03c2, \u03b1\u03c1\u03ba\u03b5\u03af \u03bd\u03b1 \u03c4\u03bf \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c2.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0391\u03bd \u03b5\u03af\u03c3\u03b1\u03b9 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c3\u03b9\u03b1\u03ba\u03cc\u03c2, \u03ad\u03bd\u03b1 <strong>\u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03bc\u03b1\u03c4\u03ac\u03c1\u03b9\u03bf<\/strong> \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c1\u03ba\u03b5\u03c4\u03cc.<\/li>\n\n\n\n<li>\u0391\u03bd \u03b8\u03ad\u03bb\u03b5\u03b9\u03c2 \u03b1\u03c5\u03c4\u03bf\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc, \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd <strong>\u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ad\u03c2<\/strong> \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b4\u03ad\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03ac \u03c3\u03bf\u03c5.<\/li>\n\n\n\n<li>\u03a0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03ac, \u03c0\u03c1\u03bf\u03c4\u03b9\u03bc\u03ce \u03ad\u03bd\u03b1 \u03b1\u03c0\u03bb\u03cc <strong>Excel<\/strong>. \u039c\u03bf\u03c5 \u03b4\u03af\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03bb\u03ad\u03b3\u03c7\u03bf\u03c5 \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c0\u03bb\u03b7\u03ba\u03c4\u03c1\u03bf\u03bb\u03bf\u03b3\u03ce \u03c4\u03b1 \u03bd\u03bf\u03cd\u03bc\u03b5\u03c1\u03b1 \u03c3\u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03ba\u03ac\u03b8\u03b5 \u03b5\u03b2\u03b4\u03bf\u03bc\u03ac\u03b4\u03b1\u03c2.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. \u0397 \u039c\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u0391\u03bd\u03b1\u03c3\u03ba\u03cc\u03c0\u03b7\u03c3\u03b7<\/strong><\/h3>\n\n\n\n<p>\u039f \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc\u03c2 \u03b4\u03b5\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u00ab\u03b3\u03c1\u03ac\u03c8\u03b5 \u03ba\u03b1\u03b9 \u03be\u03ad\u03c7\u03b1\u03c3\u03b5\u00bb. \u03a4\u03b7\u03bd \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u039a\u03c5\u03c1\u03b9\u03b1\u03ba\u03ae \u03ba\u03ac\u03b8\u03b5 \u03bc\u03ae\u03bd\u03b1, \u03b1\u03c6\u03b9\u03ad\u03c1\u03c9\u03c3\u03b5 20 \u03bb\u03b5\u03c0\u03c4\u03ac. \u0394\u03b5\u03c2 \u03c0\u03bf\u03cd \u03ad\u03c0\u03b5\u03c3\u03b5\u03c2 \u03ad\u03be\u03c9. \u039c\u03b7\u03bd \u03b1\u03c5\u03c4\u03bf\u03bc\u03b1\u03c3\u03c4\u03b9\u03b3\u03ce\u03bd\u03b5\u03c3\u03b1\u03b9 \u03b1\u03bd \u03be\u03ad\u03c6\u03c5\u03b3\u03b5\u03c2 \u03ba\u03ac\u03c0\u03bf\u03c5. \u0397 <strong>\u039f\u03b9\u03ba\u03b9\u03b1\u03ba\u03ae \u039f\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1<\/strong> \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03b1\u03c1\u03b1\u03b8\u03ce\u03bd\u03b9\u03bf\u03c2, \u03cc\u03c7\u03b9 \u03c3\u03c0\u03c1\u03b9\u03bd\u03c4. \u03a0\u03c1\u03bf\u03c3\u03ac\u03c1\u03bc\u03bf\u03c3\u03b5 \u03c4\u03b1 \u03c0\u03bb\u03ac\u03bd\u03b1 \u03c3\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03bc\u03ae\u03bd\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>\u03a3\u03c5\u03bc\u03c0\u03ad\u03c1\u03b1\u03c3\u03bc\u03b1:<\/strong> \u03a4\u03bf \u03bd\u03b1 \u03c6\u03c4\u03b9\u03ac\u03be\u03b5\u03b9\u03c2 \u03c0\u03c1\u03bf\u03cb\u03c0\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03b3\u03b9\u03b1 \u03c4\u03bf 2026 \u03b4\u03b5\u03bd \u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c3\u03c4\u03b1\u03bc\u03b1\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bd\u03b1 \u03b6\u03b5\u03b9\u03c2. \u03a3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c3\u03c4\u03b1\u03bc\u03b1\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03c1\u03c9\u03c4\u03b9\u03ad\u03c3\u03b1\u03b9 \u00ab\u03c0\u03bf\u03cd \u03c0\u03ae\u03b3\u03b1\u03bd \u03c4\u03b1 \u03bb\u03b5\u03c6\u03c4\u03ac \u03bc\u03bf\u03c5\u00bb \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03b1\u03c1\u03c7\u03af\u03c3\u03b5\u03b9\u03c2 \u03bd\u03b1 \u03c4\u03b1 \u03ba\u03b1\u03c4\u03b5\u03c5\u03b8\u03cd\u03bd\u03b5\u03b9\u03c2 \u03b5\u03ba\u03b5\u03af \u03c0\u03bf\u03c5 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03ad\u03c7\u03bf\u03c5\u03bd \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1 \u03b3\u03b9\u03b1 \u03c3\u03ad\u03bd\u03b1.<\/p>\n\n\n\n<p>\u039e\u03b5\u03ba\u03af\u03bd\u03b1 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1, \u03ad\u03c3\u03c4\u03c9 \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03ad\u03bd\u03b1 \u03b1\u03c0\u03bb\u03cc \u03c7\u03b1\u03c1\u03c4\u03af. \u03a4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd \u03c3\u03bf\u03c5 (\u03ba\u03b1\u03b9 \u03c4\u03bf \u03c0\u03bf\u03c1\u03c4\u03bf\u03c6\u03cc\u03bb\u03b9 \u03c3\u03bf\u03c5) \u03b8\u03b1 \u03c3\u03b5 \u03b5\u03c5\u03c7\u03b1\u03c1\u03b9\u03c3\u03c4\u03bf\u03cd\u03bd \u03c3\u03b5 \u03bb\u03af\u03b3\u03bf\u03c5\u03c2 \u03bc\u03ae\u03bd\u03b5\u03c2.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0397 \u03b1\u03c1\u03c7\u03ae \u03c4\u03b7\u03c2 \u03c7\u03c1\u03bf\u03bd\u03b9\u03ac\u03c2 \u03c6\u03ad\u03c1\u03bd\u03b5\u03b9 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03bc\u03b9\u03b1 \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03b1\u03bd\u03b1\u03bd\u03ad\u03c9\u03c3\u03b7\u03c2. \u03a5\u03c0\u03bf\u03c3\u03c7\u03cc\u03bc\u03b1\u03c3\u03c4\u03b5 \u03c3\u03c4\u03bf\u03bd \u03b5\u03b1\u03c5\u03c4\u03cc \u03bc\u03b1\u03c2 \u03cc\u03c4\u03b9 \u00ab\u03c6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03b3\u03c5\u03bc\u03bd\u03b1\u03c3\u03c4\u03ce\u00bb \u03ae \u00ab\u03c6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03c4\u03c1\u03ce\u03c9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1\u00bb. \u038c\u03bc\u03c9\u03c2, \u03b7 \u03c0\u03b9\u03bf \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03cc\u03c3\u03c7\u03b5\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af\u03c2 \u03bd\u03b1 \u03b4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03bf\u03bd \u03b5\u03b1\u03c5\u03c4\u03cc \u03c3\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03bf 2026 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c5\u03c4\u03ae: \u03a6\u03ad\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03be\u03ad\u03c1\u03c9 \u03c0\u03bf\u03cd \u03c0\u03b7\u03b3\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 \u03bb\u03b5\u03c6\u03c4\u03ac \u03bc\u03bf\u03c5. \u039f 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