Predt\u00fdm ako v\u00f4bec za\u010dne\u0161, je potrebn\u00e9 sa na chv\u00ed\u013eu zastavi\u0165 a\u00a0poprem\u00fd\u0161\u013ea\u0165. Z\u00e1kladom je zv\u00e1\u017ei\u0165 svoje mo\u017enosti a\u00a0stanovi\u0165 si ko\u013eko dok\u00e1\u017eem odlo\u017ei\u0165 zo svojho pr\u00edjmu\u2026 Budem teda \u0161etri\u0165 ka\u017ed\u00fd de\u0148, t\u00fd\u017edenne alebo mesa\u010dne? To je len a\u00a0len na tebe. Hlavne mysli re\u00e1lne. Je pekn\u00e9, ke\u010f si povie\u0161, \u017ee ka\u017ed\u00fd de\u0148 u\u0161etr\u00ed\u0161 10 eur, ale re\u00e1lne by si mo\u017eno dospel k z\u00e1veru, \u017ee ani dokopy to\u013eko nezarob\u00ed\u0161, po odr\u00e1tan\u00ed v\u00fddavkov.<\/p>\n
Vedel si \u017ee?<\/strong><\/p>\n Slov\u00e1ci \u0161etria menej, ako im to umo\u017e\u0148uj\u00fa ich z\u00e1robky a\u00a0moment\u00e1lny stav ekonomiky. Odkladaj\u00fa men\u0161iu \u010das\u0165 pr\u00edjmu, ako priemern\u00fd Eur\u00f3pan, alebo \u010cech. Ako uv\u00e1dza port\u00e1l investujeme.sk d\u00f4vodom je n\u00edzka finan\u010dn\u00e1 gramotnos\u0165, zl\u00e9 sk\u00fasenosti s\u00a0nebankov\u00fdmi spolo\u010dnos\u0165ami, \u010di averzia k\u00a0investi\u010dn\u00e9mu riziku.<\/p>\n Pod\u013ea prieskumu realizovan\u00e9ho v septembri 2018 agent\u00farou STEM\/MARK. 70 Slov\u00e1kov prizn\u00e1va, \u017ee zbyto\u010dne m\u00ed\u0148aj\u00fa peniaze na veci a slu\u017eby, ktor\u00e9 vlastne ani nepotrebuj\u00fa. Tretina op\u00fdtan\u00fdch uv\u00e1dza alkohol a tabak za zbyto\u010dn\u00e9 v\u00fddavky a \u0161tvrtina utr\u00e1ca pr\u00edli\u0161 na dopravu a cestovanie. Pri\u010dom najviac nepotrebn\u00fdch v\u00fddavkov v\u00a043 pr\u00edpadov smeruje na n\u00e1kup potrav\u00edn a nealkoholick\u00fdch n\u00e1pojov. A\u017e \u0161tyria z desiatich \u013eud\u00ed by po zredukovan\u00ed t\u00fdchto v\u00fddavkov mesa\u010dne dok\u00e1zali z rodinn\u00e9ho rozpo\u010dtu u\u0161etri\u0165 do 50 eur.<\/p>\n \u0160etrenie pre za\u010diato\u010dn\u00edkov\u2026 Ako nato?<\/strong><\/p>\n 1. Star\u00e9 dobr\u00e9 prasiatko\u2026<\/p>\n Zadov\u00e1\u017e si aj ty to svoje vlastn\u00e9. Nevie\u0161 kam s\u00a0drobn\u00fdmi, ho\u010f ich do prasiatka. Alebo si proste stanov sumu, ktorou ho nak\u0155mi\u0161 ka\u017ed\u00fd de\u0148. Aspo\u0148 sa ti u\u017e nebud\u00fa mince poneviera\u0165 po vreck\u00e1ch a\u00a0celom byte. Len euro denne sa ti postar\u00e1 o\u00a0365 eur ro\u010dne a\u00a0hne\u010f m\u00e1\u0161 na viano\u010dn\u00e9 dar\u010deky.<\/p>\n 2. Pl\u00e1nuj, pl\u00e1nuj pl\u00e1nuj a\u00a0do tretice mysli, mysli, mysli\u2026<\/p>\n Urob si mesa\u010dn\u00fd rozpo\u010det. Sp\u00ed\u0161 si ko\u013eko m\u00ed\u0148a\u0161 teraz na ka\u017ed\u00fa kateg\u00f3riu a\u00a0stanov si ko\u013eko m\u00f4\u017ee\u0161 maxim\u00e1lne min\u00fa\u0165, aby si u\u0161etril stanoven\u00fa sumu. Zrejme bude\u0161 prekvapen\u00ed, ale fakt to funguje. Sta\u010d\u00ed si z\u00a0ka\u017edej oblasti svojho \u017eivota tro\u0161ku ukroji\u0165 a\u00a0uskromni\u0165 sa.<\/p>\n 3. Ako zapl\u00e1ta\u0165 derav\u00e9 vreck\u00e1\u2026<\/p>\n Vedel si, \u017ee dok\u00e1\u017ee\u0161 u\u0161etri\u0165 na: strave, doprave, veden\u00ed svojej dom\u00e1cnosti, vo\u013enom \u010dase a\u00a0pritom si aj dopria\u0165 v\u0161etko potrebn\u00e9? Z\u00e1kladom je primeranos\u0165 a\u00a0chyti\u0165 rozum do hrsti.<\/p>\n 4. Nenechaj sa zlakomi\u0165\u2026<\/p>\n Dne\u0161n\u00e1 doba pon\u00faka kopu mo\u017enost\u00ed, ako si po\u017ei\u010da\u0165 od banky alebo in\u00fdch finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed. Banky n\u00e1s rozh\u00fd\u010dkali\u2026 Berieme si \u00favery a hypot\u00e9ky aj nato, \u010do nie je pre n\u00e1\u0161 \u017eivot nevyhnutn\u00e9. Po\u017ei\u010da\u0165 si na dovolenku? Nezmysel!<\/p>\n 5. Dlhy nie s\u00fa zajac, neute\u010d\u00fa\u2026<\/p>\n Spla\u0165 dlhy \u010do najsk\u00f4r\u2026 Vr\u00e1\u0165 ich kamar\u00e1tom a\u00a0hlavne tie vo finan\u010dn\u00fdch in\u0161tit\u00faci\u00e1ch, ktor\u00e9 ti ka\u017ed\u00fdm d\u0148om nar\u00e1taj\u00fa v\u00e4\u010d\u0161ie a\u00a0v\u00e4\u010d\u0161ie \u00faroky. To ist\u00e9 plat\u00ed aj pre tvoju platobn\u00fa kartu. To \u017ee m\u00f4\u017ee\u0161 \u00eds\u0165 do m\u00ednusu neznamen\u00e1, \u017ee je to z\u00a0dobrej v\u00f4le banky. Neprepl\u00e1caj zbyto\u010dne na \u00farokoch a\u00a0pokut\u00e1ch za oneskoren\u00e9 platby a hlavne pla\u0165 \u00fa\u010dty na\u010das.<\/p>\n 6. Op\u00e4\u0165 si nevyhral lot\u00e9riu? To v\u00e1\u017ene?<\/p>\n Spolieha\u0165 sa na \u0161ancu, \u017ee vyhr\u00e1\u0161 a\u00a0zbohatne\u0161 v\u00a0lot\u00e9rii, alebo si na \u017ereboch zotrie\u0161 vysn\u00edvan\u00fa v\u00fdhru je ve\u013emi miziv\u00e1. Tak\u017ee sp\u00e4\u0165 do reality a\u00a0zva\u017euj re\u00e1lne mo\u017enosti.<\/p>\n 7. Nenastal \u010das na zmenu?<\/p>\n V\u00a0pr\u00edpade, \u017ee v\u0161etky sporiace opatrenia zlyhali, mo\u017eno nastal \u010das na zmenu zamestnania s\u00a0vy\u0161\u0161\u00edm platov\u00fdm ohodnoten\u00edm.<\/p>\n \u010co je najd\u00f4le\u017eitej\u0161ie? Presta\u0148 dookola opakova\u0165 ako sa \u010do ned\u00e1, ale h\u013eadaj rie\u0161enia. A\u00a0tie sa v\u017edy n\u00e1jdu, treba len chcie\u0165.<\/p>\n","protected":false},"excerpt":{"rendered":" Mysl\u00ed\u0161 si, \u017ee je to \u0165a\u017ek\u00e9 a priam nemo\u017en\u00e9? Sme presved\u010den\u00ed o tom, \u017ee sa m\u00fdli\u0161. <\/p>\n","protected":false},"author":3,"featured_media":1677,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-maxins-tipy"],"acf":[],"yoast_head":"\n