{"id":8270,"date":"2023-04-17T00:00:00","date_gmt":"2023-04-16T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/chcete-mat-financie-pod-kontrolou-prinasame-prakticke-tipy-ako-usetrit\/"},"modified":"2023-04-17T00:00:00","modified_gmt":"2023-04-16T23:00:00","slug":"chcete-mat-financie-pod-kontrolou-prinasame-prakticke-tipy-ako-usetrit","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/chcete-mat-financie-pod-kontrolou-prinasame-prakticke-tipy-ako-usetrit\/","title":{"rendered":"Chcete ma\u0165 financie pod kontrolou? Prin\u00e1\u0161ame praktick\u00e9 tipy, ako u\u0161etri\u0165"},"content":{"rendered":"

Pre mnoh\u00fdch z\u00a0n\u00e1s m\u00f4\u017ee \u0161etrenie predstavova\u0165 obrovsk\u00fa v\u00fdzvu. Pl\u00e1nova\u0165 v\u0161etky v\u00fddavky je n\u00e1ro\u010dn\u00e9 a\u00a0do istej miery aj nepr\u00edjemn\u00e9, ke\u010f\u017ee vid\u00edme, ktor\u00fdm smerom sa na\u0161a v\u00fdplata kot\u00fa\u013ea naj\u010dastej\u0161ie. K\u00e1vi\u010dky, obed\u00edky a\u00a0kol\u00e1\u010diky v\u00a0meste?<\/strong> Tak\u00fdmto rutin\u00e1m pr\u00e1ve odzvonilo.<\/p>\n

DENN\u00c9 \u00daSPORY<\/strong><\/h2>\n

Za\u010dneme denn\u00fdmi \u00fasporami. \u00cds\u0165 s\u00a0vlastnou desiatou do pr\u00e1ce sa m\u00f4\u017ee zda\u0165 ako kli\u0161\u00e9, ide v\u0161ak o jednoduch\u00fd sp\u00f4sob, ako u\u0161etri\u0165 peniaze. Len jeden sendvi\u010d m\u00f4\u017ee st\u00e1\u0165 pribli\u017ene 4-6 eur, \u010do nie je zanedbate\u013en\u00e1 \u010diastka. No, ke\u010f si toto \u010d\u00edslo odpo\u010d\u00edtame z\u00a0pravideln\u00fdch n\u00e1kladov za rok, dostaneme zauj\u00edmav\u00fa sumu. Rie\u0161en\u00edm je nosi\u0165 si jedlo so sebou.<\/p>\n

Rovnak\u00fd scen\u00e1r plat\u00ed pri obedoch.<\/p>\n

A \u010do k\u00e1va?<\/strong><\/span><\/h3>\n

Dobr\u00fa k\u00e1vu v kaviar\u0148ach si m\u00f4\u017eeme dopria\u0165 za dve a\u017e \u0161tyri eur\u00e1. Nehovoriac o\u00a0\u0161peci\u00e1lnych sez\u00f3nnych ponuk\u00e1ch, ktor\u00e9 n\u00e1m spravia poriadny prievan v\u00a0pe\u0148a\u017eenk\u00e1ch. Ak si kupujete k\u00e1vu ka\u017ed\u00fd de\u0148, tak to ro\u010dne predstavuje v\u00fddavok\u00a0a\u017e do v\u00fd\u0161ky 1 000 eur.<\/strong> Preto si rad\u0161ej k\u00fapme dobr\u00fa k\u00e1vu, ktor\u00fa si priprav\u00edme v\u00a0pohodl\u00ed domova.<\/p>\n K\u00e1va n\u00e1m prin\u00e1\u0161a nielen chu\u0165ov\u00e9 pote\u0161enie, ale aj spolo\u010densk\u00e9 a kult\u00farne z\u00e1\u017eitky. ILUSTRA\u010cN\u00c1 FOTOGRAFIA\n

Miner\u00e1lky, d\u017e\u00fasy a\u00a0in\u00e9 s\u00fdten\u00e9 n\u00e1poje po\u010dkaj\u00fa. Pitie vody z\u00a0koh\u00fatika je lacnej\u0161\u00ed, zdrav\u0161\u00ed a ekologickej\u0161\u00ed sp\u00f4sob, ako sa hydratova\u0165. Av\u0161ak, ak nedok\u00e1\u017eeme poveda\u0165 bublink\u00e1m \u201enie\u201c, vhodn\u00fdm rie\u0161en\u00edm s\u00fa pr\u00edstroje na v\u00fdrobu s\u00f3dy.<\/p>\n

Koniec m\u00e4so\u017eravcom?<\/strong><\/span><\/h3>\n

M\u00e4so b\u00fdva jednou z najdrah\u0161\u00edch potrav\u00edn v n\u00e1kupnom ko\u0161\u00edku. Mnoho \u013eud\u00ed ho konzumuje a\u017e pr\u00edli\u0161, \u010do m\u00f4\u017ee ma\u0165 negat\u00edvny dopad nielen na ich pe\u0148a\u017eenku, ale aj na zdravie a \u017eivotn\u00e9 prostredie. Jednou z mo\u017enost\u00ed, ako u\u0161etri\u0165, je obmedzi\u0165 konzum\u00e1ciu m\u00e4sa. M\u00f4\u017eeme ho nahradi\u0165 strukovinami, orie\u0161kami, semia\u010dkami alebo tofu. Vegetari\u00e1nske jedl\u00e1 s\u00fa \u010dasto cenovo v\u00fdhodnej\u0161ie<\/strong> ako m\u00e4sov\u00e1 alternat\u00edva.<\/p>\n

Prebytok m\u00e4sa v strave m\u00f4\u017ee zv\u00fd\u0161i\u0165 riziko niektor\u00fdch ochoren\u00ed, ako s\u00fa srdcovocievne choroby alebo rakovina.<\/em><\/p>\n

 <\/p>\n

\n
\n

Verejn\u00e1 doprava<\/strong><\/span><\/h3>\n<\/div>\n
\n

Vyu\u017e\u00edvanie verejnej dopravy namiesto tax\u00edkov a\u00a0vlastn\u00fdch osobn\u00fdch automobilov nie je na \u0161kodu. U\u0161etr\u00edme na benz\u00edne, parkovan\u00ed a\u00a0poplatkoch za cestovanie (dia\u013eni\u010dn\u00e1 zn\u00e1mka).<\/p>\n

 <\/p>\n<\/div>\n<\/div>\n

DLHODOB\u00c9 H\u013dADISKO<\/strong><\/h2>\n
\n

Sporiaci \u00fa\u010det<\/strong><\/span><\/h3>\n

\u0160etri\u0165 r\u00fdchlo a\u00a0efekt\u00edvne m\u00f4\u017eeme pomocou sporiaceho \u00fa\u010dtu. Rozl\u00ed\u0161ime tak peniaze, ktor\u00e9 m\u00ed\u0148ame na ka\u017edodenn\u00e9 potreby, od pe\u0148az\u00ed, ktor\u00e9 si chceme ustr\u00e1\u017ei\u0165. Takto m\u00f4\u017eeme minimalizova\u0165 riziko, \u017ee sa budeme pon\u00e1ra\u0165 do svojich \u00faspor na krytie ka\u017edodenn\u00fdch v\u00fddavkov.<\/strong> Okrem toho n\u00e1s sporiaci \u00fa\u010det motivuje dodr\u017eiava\u0165 rozpo\u010det.<\/p>\n

\u00c9ra hotovosti<\/strong><\/span><\/h3>\n

Tajomstvom r\u00fdchleho sporenia pe\u0148az\u00ed je pou\u017ei\u0165 syst\u00e9m ob\u00e1lkov\u00e9ho rozpo\u010dtu.<\/strong> Ako to funguje? Na za\u010diatku ka\u017ed\u00e9ho mesiaca si vytiahneme hotovos\u0165 vo v\u00fd\u0161ke mesa\u010dn\u00e9ho rozpo\u010dtu. Peniaze rozdel\u00edme do ob\u00e1lok, pri\u010dom ka\u017ed\u00e1 predstavuje jeden z\u00a0na\u0161ich rozpo\u010dtov\u00fdch cie\u013eov. Teda za ka\u017ed\u00fd tovar alebo slu\u017ebu zaplat\u00edme hotovos\u0165ou. Ob\u00e1lkov\u00fd syst\u00e9m n\u00e1m pom\u00e1ha minimalizova\u0165 spont\u00e1nne n\u00e1kupy,\u00a0<\/strong>preto\u017ee sme limitovan\u00ed mno\u017estvom pe\u0148az\u00ed, ktor\u00e9 m\u00e1me so sebou.<\/p>\n Pri platen\u00ed platobnou kartou si neuvedomujeme m\u00ed\u0148anie pe\u0148az\u00ed tak, ako v pr\u00edpade platby v hotovosti. ILUSTRA\u010cN\u00c1 FOTOGRAFIA\n

Impulz\u00edvne n\u00e1kupy<\/strong><\/span><\/h3>\n
\n

Po\u010dkajme nieko\u013eko hod\u00edn\/dn\u00ed pred t\u00fdm, ne\u017e klikneme na tla\u010didlo \u201ek\u00fapi\u0165\u201c. <\/strong>Ke\u010f to urob\u00edme, zist\u00edme, \u017ee vo v\u00e4\u010d\u0161ine pr\u00edpadov bola polo\u017eka sk\u00f4r \u201echcen\u00edm\u201c ako \u201epotrebou\u201c.\u00a0Navy\u0161e u\u0161etr\u00edme peniaze a budeme pracova\u0165 na tom, aby sme boli pri svojich v\u00fddavkoch oh\u013eaduplnej\u0161\u00ed.<\/p>\n

Kvalita nad kvantitu<\/strong><\/span><\/p>\n

Toto pravidlo \u00a0sa m\u00f4\u017ee t\u00fdka\u0165 potrav\u00edn, oble\u010denia, elektroniky a mnoho \u010fal\u0161ieho. Aj ke\u010f je l\u00e1kav\u00e9 vybra\u0165 si cenovo v\u00fdhodnej\u0161iu verziu polo\u017eky, niekedy by sme mali uprednostni\u0165 kvalitu pred kvantitou najm\u00e4 z dlhodob\u00e9ho h\u013eadiska. U\u0161etr\u00edme svoje peniaze a\u00a0z\u00edskame kvalitnej\u0161\u00ed produkt.<\/p>\n

Z\u00c1VER<\/strong><\/h2>\n

D\u00f4le\u017eit\u00e9 je si v\u00a0prvom rade uvedomi\u0165, ak\u00e9 mno\u017estvo pe\u0148az\u00ed m\u00ed\u0148ame na be\u017en\u00e9 veci, napr\u00edklad na obedy, k\u00e1vu a\u00a0n\u00e1poje. Tieto drobn\u00e9 v\u00fddavky sa m\u00f4\u017eu toti\u017eto r\u00fdchlo nahromadi\u0165. Existuje nieko\u013eko sp\u00f4sobov, ako v\u00fddavky zn\u00ed\u017ei\u0165. Najefekt\u00edvnej\u0161\u00edmi sa zdaj\u00fa by\u0165 nosenie si jedla so sebou namiesto obedovania v\u00a0re\u0161taur\u00e1cii. Pi\u0165 vodu z\u00a0vodovodn\u00e9ho koh\u00fatika namiesto s\u00fdten\u00fdch n\u00e1pojov a\u00a0podobne. Obmedzenie konzum\u00e1cie m\u00e4sa, vyu\u017e\u00edvanie verejnej dopravy, vyh\u00fdbanie sa impulz\u00edvnym n\u00e1kupom m\u00f4\u017ee by\u0165 rovnako pr\u00ednosne pre na\u0161e \u00faspory.<\/p>\n

Vyu\u017eit\u00edm syst\u00e9mu ob\u00e1lkov\u00e9ho rozpo\u010dtu sa m\u00f4\u017eeme nau\u010di\u0165 lep\u0161ie pl\u00e1nova\u0165 a\u00a0kontrolova\u0165 na\u0161e v\u00fddavky a <\/strong>(ne)potreby.<\/strong><\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Pre mnoh\u00fdch z\u00a0n\u00e1s m\u00f4\u017ee \u0161etrenie predstavova\u0165 obrovsk\u00fa v\u00fdzvu. Pl\u00e1nova\u0165 v\u0161etky v\u00fddavky je n\u00e1ro\u010dn\u00e9 a\u00a0do istej miery aj nepr\u00edjemn\u00e9, ke\u010f\u017ee vid\u00edme, ktor\u00fdm smerom sa na\u0161a v\u00fdplata<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-8270","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/8270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=8270"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/8270\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=8270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=8270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=8270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}