{"id":1206,"date":"2021-05-19T00:00:00","date_gmt":"2021-05-18T22:00:00","guid":{"rendered":"https:\/\/investinslovakia.eu\/denne-navyky-ktore-vam-usetria-peniaze-3\/"},"modified":"2021-12-07T21:03:30","modified_gmt":"2021-12-07T19:03:30","slug":"denne-navyky-ktore-vam-usetria-peniaze-3","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/denne-navyky-ktore-vam-usetria-peniaze-3\/","title":{"rendered":"Denn\u00e9 n\u00e1vyky, ktor\u00e9 v\u00e1m u\u0161etria peniaze #3"},"content":{"rendered":"\n
V s\u00e9ri\u00ed \u010dl\u00e1nkov s n\u00e1zvom \u201cDenn\u00e9 n\u00e1vyky, ktor\u00e9 v\u00e1m u\u0161etria peniaze\u201d sme v\u00e1m priniesli u\u017e celkovo 8 tipov na to, ako u\u0161etri\u0165 nejak\u00e9 to euro, ktor\u00e9 m\u00f4\u017eete n\u00e1sledne pou\u017ei\u0165 napr\u00edklad aj na investovanie. A ke\u010f\u017ee s platformou Invest\u00edcia Slovensko investujete do nehnute\u013enost\u00ed u\u017e od 100 eur, aj tieto n\u00e1pady v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 na\u0161tartova\u0165 va\u0161u finan\u010dn\u00fa nez\u00e1vislos\u0165 a sta\u0165 sa investorom s portf\u00f3liom so zauj\u00edmav\u00fdm zhodnoten\u00edm.<\/em><\/p>\n\n\n\n Pre tento \u010dl\u00e1nok sme pre v\u00e1s vybrali \u010fal\u0161ie 3 denn\u00e9 n\u00e1vyky, ktor\u00e9 v\u00e1m pom\u00f4\u017eu u\u0161etri\u0165 peniaze. Po\u010fme sa na nich pozrie\u0165!<\/p>\n\n\n\n Nah\u00e1\u0148anie zliav m\u00e1 v spolo\u010dnosti \u010dasto negat\u00edvnu konot\u00e1ciu, no pri niektor\u00fdch polo\u017ek\u00e1ch sa mimoriadne oplat\u00ed.<\/strong> Hovor\u00edme samozrejme o drah\u0161\u00edch polo\u017ek\u00e1ch, kde m\u00f4\u017ee ka\u017ed\u00e9 jedno z\u013eavnen\u00e9 percento z ceny urobi\u0165 \u00fasporu nieko\u013eko desiatok a\u017e sto eur.<\/strong><\/p>\n\n\n\n Pam\u00e4tajte, \u017ee \u00faspora 5% z polo\u017eky, ktor\u00e1 stoj\u00ed 5 eur je nie\u010do \u00faplne in\u00e9 ako \u00faspora 5% z polo\u017eky za 1000 eur. <\/strong>Nejak\u00fa, aj t\u00fa najmen\u0161iu z\u013eavu, sa oplat\u00ed zjedn\u00e1va\u0165 pribli\u017ene u\u017e od polo\u017eiek za 500 eur. Obchodn\u00edci v\u00e4\u010d\u0161inou prist\u00fapia na p\u00e1r percentn\u00fa z\u013eavu, ktor\u00e1 im zabezpe\u010d\u00ed st\u00e1le slu\u0161n\u00fd zisk a v\u00e1m u\u0161etr\u00ed zop\u00e1r eur.<\/p>\n\n\n\n Sledovanie pr\u00edjmov a v\u00fddavkov dom\u00e1cnosti pova\u017eujeme za \u00faplne z\u00e1kladn\u00fd n\u00e1stroj na mana\u017ement rodinn\u00fdch financi\u00ed. <\/strong>Medzi denn\u00e9 n\u00e1vyky sme ho zaradili preto, lebo v\u00fddavky je potrebn\u00e9 sledova\u0165 a zapisova\u0165 na dennej b\u00e1ze,<\/strong> aby sa udr\u017eiavanie rodinn\u00e9ho rozpo\u010dtu nestalo pr\u00edli\u0161 n\u00e1ro\u010dnou a nepr\u00edjemnou \u00falohou na konci t\u00fd\u017ed\u0148a, alebo e\u0161te hor\u0161ie, na konci mesiaca.<\/p>\n\n\n\n V r\u00e1mci rozpo\u010dtu by ste si mali sledova\u0165 3 druhy transakci\u00ed,<\/strong> a to pr\u00edjmy, v\u00fddavky a zmenu hodnoty invest\u00edci\u00ed. V poslednej menovanej kateg\u00f3ri\u00ed nezabudnite vyp\u00edsa\u0165 v\u0161etky invest\u00edcie, ktor\u00e9 m\u00e1te.<\/strong> Okrem indexov\u00fdch fondov, zmie\u0161an\u00fdch fondov, individu\u00e1lnych akci\u00ed a komod\u00edt, pr\u00edpadne kryptomien sledujte aj v\u00fdvoj hodnoty va\u0161ich nehnute\u013enost\u00ed a hodnoty d\u00f4chodkov\u00e9ho sporenia (druh\u00e9ho pili\u00e9ra)<\/strong>, investi\u010dn\u00e9ho \u017eivotn\u00e9ho poistenia a \u010fal\u0161\u00edch.<\/p>\n\n\n\n Celou pointou vedenia rodinn\u00e9ho rozpo\u010dtu je stanovi\u0165 si obnos pe\u0148az\u00ed<\/strong>, ktor\u00fd sme na dan\u00fa kateg\u00f3riu, napr\u00edklad jedlo \u010di drog\u00e9riu, ochotn\u00ed utrati\u0165. <\/strong>Pom\u00e1ha n\u00e1m tak vidie\u0165 aktu\u00e1lny zostatok pe\u0148az\u00ed, ktor\u00e9 e\u0161te m\u00f4\u017eeme dan\u00fd mesiac min\u00fa\u0165 na t\u00fa \u010di onu kateg\u00f3riu a dr\u017ea\u0165 tak na\u0161e utr\u00e1canie pod kontrolou.<\/strong><\/p>\n\n\n\n Tomu ur\u010dite prispejete aj nakupovan\u00edm s rozumom. Pri k\u00fape jednotliv\u00fdch produktov v supermarkete sa v\u017edy ria\u010fte jednotkovou cenou za liter, kilogram, kus<\/strong> a podobne.<\/p>\n\n\n\n Napr\u00edklad v uli\u010dke prac\u00edch prostriedkov sa d\u00e1 pomerne \u0165a\u017eko ur\u010di\u0165 t\u00e1 najv\u00fdhodnej\u0161ia ponuka, ak sa pozer\u00e1te iba na celkov\u00fa cenu. Na cenovke v\u0161ak mal\u00fdm p\u00edsmom p\u00ed\u0161e aj cena za liter tekut\u00e9ho pracieho prostriedku<\/strong>, pr\u00edpadne cena za 1 pranie. A pr\u00e1ve t\u00e1to cena by mala by\u0165 pre v\u00e1s smerodajn\u00e1 pri porovn\u00e1van\u00ed produktov.<\/strong><\/p>\n\n\n\n T\u00e1to rada plat\u00ed pri mnoh\u00fdch v\u00fdrobkoch, ktor\u00e9 sa pred\u00e1vaj\u00fa v r\u00f4znych mno\u017estv\u00e1ch, alebo ve\u013ekostiach. Dobr\u00fdm pr\u00edkladom je toaletn\u00fd papier, alebo aj orie\u0161ky.<\/p>\n\n\n\n *Na\u0161li ste chybu? Nap\u00ed\u0161te n\u00e1m na podpora@investiciaslovensko.sk<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" V s\u00e9ri\u00ed \u010dl\u00e1nkov s n\u00e1zvom \u201cDenn\u00e9 n\u00e1vyky, ktor\u00e9 v\u00e1m u\u0161etria peniaze\u201d sme v\u00e1m priniesli u\u017e celkovo 8 tipov na to, ako u\u0161etri\u0165 nejak\u00e9 to euro, ktor\u00e9 m\u00f4\u017eete n\u00e1sledne pou\u017ei\u0165 napr\u00edklad aj na investovanie. A ke\u010f\u017ee s platformou Invest\u00edcia Slovensko investujete do nehnute\u013enost\u00ed u\u017e od 100 eur, aj tieto n\u00e1pady v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 na\u0161tartova\u0165 va\u0161u finan\u010dn\u00fa […]<\/p>\n","protected":false},"author":3,"featured_media":1551,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"\nU\u0161etrite na ve\u013ek\u00fdch n\u00e1kupoch<\/h2>\n\n\n\n
Ve\u010fte si rodinn\u00fd rozpo\u010det<\/h2>\n\n\n\n
Porovn\u00e1vajte spr\u00e1vne ceny<\/h2>\n\n\n\n