[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dobree.sk\/6-jednoduchych-krokov-ako-usetrit-peniaze\/#Article","mainEntityOfPage":"https:\/\/www.dobree.sk\/6-jednoduchych-krokov-ako-usetrit-peniaze\/","headline":"6 JEDNODUCH\u00ddCH KROKOV AKO U\u0160ETRI\u0164 PENIAZE","name":"6 JEDNODUCH\u00ddCH KROKOV AKO U\u0160ETRI\u0164 PENIAZE","description":"1) Zoznam v\u00fddavkovPrv\u00fdm krokom k \u0161etreniu je zisti\u0165 ko\u013eko m\u00e1te v\u00fddavkov. Sledujte svoje v\u00fddavky \u2013 to znamen\u00e1 ka\u017ed\u00fa k\u00e1vu, noviny \u010di ob\u010derstvenie, ktor\u00e9 kupujete. V","datePublished":"2018-03-23","dateModified":"2018-03-23","author":{"@type":"Person","@id":"https:\/\/www.dobree.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.dobree.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dobree.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dobree.sk\/wp-content\/uploads\/img_a288112_w2016_t1527086108.jpg","url":"https:\/\/www.dobree.sk\/wp-content\/uploads\/img_a288112_w2016_t1527086108.jpg","height":0,"width":0},"url":"https:\/\/www.dobree.sk\/6-jednoduchych-krokov-ako-usetrit-peniaze\/","wordCount":422,"articleBody":"1) Zoznam v\u00fddavkovPrv\u00fdm krokom k \u0161etreniu je zisti\u0165 ko\u013eko m\u00e1te v\u00fddavkov. Sledujte svoje v\u00fddavky \u2013 to znamen\u00e1 ka\u017ed\u00fa k\u00e1vu, noviny \u010di ob\u010derstvenie, ktor\u00e9 kupujete. V ide\u00e1lnom pr\u00edpade si zna\u010dte ka\u017ed\u00fd cent.Po z\u00edskan\u00ed v\u0161etk\u00fdch \u00fadajov si zara\u010fte \u010d\u00edsla do kateg\u00f3ri\u00ed ako napr\u00edklad \u2013 potraviny, hypot\u00e9ka, plyn, elektrina a aj celkov\u00fa sumu.\u00a0Ak pou\u017e\u00edvate pri platen\u00ed kartu k podrobnej\u0161iemu zoznamu v\u00e1m pom\u00f4\u017ee v\u00fdpis z \u00fa\u010dtu.\u00a02) Urobte rozpo\u010detAkon\u00e1hle budete ma\u0165 presn\u00fd rozpis v\u00fddavkov m\u00f4\u017eete ho zahrn\u00fa\u0165 do re\u00e1lneho rozpo\u010dtu.Uve\u010fte v \u0148om svoj \u010dist\u00fd pr\u00edjem. Nezabudnite v \u0148om zoh\u013eadni\u0165 aj pr\u00edjmy a v\u00fddavky, ktor\u00e9 nie s\u00fa pravideln\u00e9. Napr\u00edklad platenie poistky, pravideln\u00fd servis auta at\u010f.\u00a0Ak nem\u00e1te pravideln\u00fd pr\u00edjem, ste na vo\u013enej nohe, tvor\u00edte alebo m\u00e1te len \u010diasto\u010dn\u00fd \u00fav\u00e4zok pozna\u010dte do rozpo\u010dtu aspo\u0148 pribli\u017en\u00fa \u010diastku.\u00a03) Pl\u00e1n na sporenieTeraz ke\u010f ste svoje pr\u00edjmy aj v\u00fddavky zosumarizovali vytvorte v rozpo\u010dte kateg\u00f3riu \u00faspor. Sna\u017ete sa zaka\u017ed\u00fdm odlo\u017ei\u0165 aspo\u0148 10-15% svojho pr\u00edjmu. Ak s\u00fa va\u0161a v\u00fddavky tak vysok\u00e9, \u017ee to\u013eko nem\u00f4\u017eete u\u0161etri\u0165 je na\u010dase zv\u00e1\u017ei\u0165 svoje n\u00e1vyky a sk\u00fasi\u0165 zhodnoti\u0165, ktor\u00fa kateg\u00f3riu v\u00fddavkov m\u00f4\u017eete obmedzi\u0165.Ve\u013ea sa d\u00e1 u\u0161etri\u0165 napr\u00edklad na strave a z\u00e1bave.\u00a04) V\u00fdber \u0161etreniaJedn\u00fdm z najlep\u0161\u00edch sp\u00f4sobov ako u\u0161etri\u0165 je stanovi\u0165 si cie\u013e.Za\u010dnite t\u00fdm, \u017ee poprem\u00fd\u0161\u013eate o tom na \u010do by ste chceli za\u010da\u0165 \u0161etri\u0165 \u2013 na dovolenku, na dom, na auto. Potom si prepo\u010d\u00edtajte ko\u013eko \u010dasu by v\u00e1m to malo trva\u0165. Dr\u017ete sa svojho cie\u013ea najviac ako sa len bude da\u0165!\u00a05) Rozhodnite o priorit\u00e1chPo v\u00fddavkoch a pr\u00edjmoch bud\u00fa ma\u0165 va\u0161e ciele pravdepodobne najv\u00e4\u010d\u0161\u00ed vplyv na to ako u\u0161etri\u0165 peniaze. Nezabudnite ani na dlhodob\u00e9 ciele ako je napr\u00edklad odkladanie si pe\u0148az\u00ed na d\u00f4chodok. Nespoliehajte sa na \u0161t\u00e1t ani na d\u00f4chodkov\u00e9 zabezpe\u010denie. Nikdy neviete \u010do sa m\u00f4\u017ee sta\u0165.\u00a06) Vyberte si tie spr\u00e1vne \u201en\u00e1stroje\u201c na sporenieTakmer v\u0161etky banky u\u017e pon\u00fakaj\u00fa r\u00f4zne produkty alebo automatick\u00e9 prevody medzi va\u0161\u00edm \u00fa\u010dtom a sporiacim pod\u00fa\u010dtom. Ak si nastav\u00edte automatick\u00fd prevod nemus\u00edte si robi\u0165 starosti a navy\u0161e odol\u00e1te poku\u0161eniu ihne\u010f min\u00fa\u0165 peniaze.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"6 JEDNODUCH\u00ddCH KROKOV AKO U\u0160ETRI\u0164 PENIAZE","item":"https:\/\/www.dobree.sk\/6-jednoduchych-krokov-ako-usetrit-peniaze\/#breadcrumbitem"}]}]