{"id":10684,"date":"2025-10-22T16:31:52","date_gmt":"2025-10-22T14:31:52","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10684"},"modified":"2025-10-22T17:51:35","modified_gmt":"2025-10-22T15:51:35","slug":"10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/","title":{"rendered":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch"},"content":{"rendered":"\n<p><strong>Vianoce sa bl\u00ed\u017eia r\u00fdchlej\u0161ie, ne\u017e by sa zdalo \u2013 a s nimi aj obdobie vy\u0161\u0161\u00edch v\u00fddavkov. M\u00e1te pl\u00e1n, ako ich finan\u010dne zvl\u00e1dnu\u0165 alebo v\u00e1s janu\u00e1r prekvap\u00ed pr\u00e1zdnou pe\u0148a\u017eenkou? U\u017e teraz je ide\u00e1lny \u010das premyslie\u0165 si, ako najkraj\u0161ie sviatky roka pre\u017ei\u0165 pokojne a bez zbyto\u010dn\u00fdch dlhov. Prin\u00e1\u0161ame v\u00e1m 10 tipov, ako u\u0161etri\u0165 pri nakupovan\u00ed viano\u010dn\u00fdch dar\u010dekov.<\/strong><\/p>\n\n\n\n<p>Slov\u00e1ci \u010dasto podliehaj\u00fa tlaku k\u00fapi\u0165 dar\u010deky za ka\u017ed\u00fa cenu, a to aj na \u00faver. No hoci em\u00f3cie pracuj\u00fa, odpor\u00fa\u010dam myslie\u0165 hlavou. Myslite na to, \u017ee nie ka\u017ed\u00fd \u00faver je v\u00fdhodn\u00fd a najm\u00e4 kr\u00e1tkodob\u00e9 a r\u00fdchle p\u00f4\u017ei\u010dky v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ove\u013ea viac, ne\u017e sa na prv\u00fd poh\u013ead zd\u00e1.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">1. Stanovte si komplexn\u00fd viano\u010dn\u00fd rozpo\u010det<\/h3>\n\n\n\n<p>Zahr\u0148te do neho nielen n\u00e1klady na dar\u010deky, ale aj v\u00fddavky na potraviny, v\u00fdzdobu, dopravu a pr\u00edpadn\u00e9 silvestrovsk\u00e9 aktivity. Pripravte sa na finan\u010dn\u00e9 za\u0165a\u017eenie vopred, aby ste mali lep\u0161\u00ed preh\u013ead o svojich mo\u017enostiach.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">2. Nakupujte postupne a s dostato\u010dn\u00fdm predstihom<\/h3>\n\n\n\n<p>Priebe\u017en\u00e9 n\u00e1kupy v\u00e1m pom\u00f4\u017eu rozlo\u017ei\u0165 finan\u010dn\u00e9 za\u0165a\u017eenie a z\u00e1rove\u0148 sa vyhnete vy\u0161\u0161\u00edm cen\u00e1m a obmedzen\u00e9mu v\u00fdberu v predviano\u010dnom obdob\u00ed.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">3. Vyhnite sa impulz\u00edvnym n\u00e1kupom<\/h3>\n\n\n\n<p>Dr\u017ete sa presne stanoven\u00e9ho n\u00e1kupn\u00e9ho zoznamu a rozpo\u010dtu. Nepodliehajte moment\u00e1lnym poku\u0161eniam \u010di sez\u00f3nnym z\u013eav\u00e1m, ktor\u00e9 m\u00f4\u017eu vies\u0165 k nadmernej spotrebe.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">4. Porovn\u00e1vajte ceny a podmienky n\u00e1kupov<\/h3>\n\n\n\n<p>Vyu\u017e\u00edvajte online porovn\u00e1va\u010de aj kamenn\u00e9 predajne, preto\u017ee z\u013eava nemus\u00ed v\u017edy znamena\u0165 najv\u00fdhodnej\u0161iu cenu alebo najlep\u0161ie podmienky.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">5. Zv\u00e1\u017ete spolo\u010dn\u00e9 financovanie dar\u010dekov<\/h3>\n\n\n\n<p>Spojte sily s rodinou alebo priate\u013emi a zlo\u017ete sa na hodnotnej\u0161\u00ed dar\u010dek, \u010d\u00edm zn\u00ed\u017eite individu\u00e1lne n\u00e1klady.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">6. Ako u\u0161etri\u0165 v\u010faka cashbacku a vernostn\u00fdm programom<\/h3>\n\n\n\n<p>Pri platbe kartou alebo prostredn\u00edctvom z\u013eavov\u00fdch aplik\u00e1ci\u00ed z\u00edskate sp\u00e4\u0165 \u010das\u0165 vynalo\u017een\u00fdch prostriedkov, \u010do m\u00f4\u017ee v\u00fdrazne zn\u00ed\u017ei\u0165 celkov\u00e9 v\u00fddavky.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">7. Kreditn\u00e9 karty a povolen\u00e9 pre\u010derpanie pou\u017e\u00edvajte s rozvahou<\/h3>\n\n\n\n<p>Ak pou\u017e\u00edvate kreditn\u00fa kartu alebo povolen\u00e9 pre\u010derpanie, uistite sa, \u017ee spl\u00e1tky zvl\u00e1dnete v\u010das a v plnej v\u00fd\u0161ke, aby ste sa vyhli vysok\u00fdm \u00farokom a poplatkom. Tieto produkty s\u00fa formou \u00faveru a ich nespr\u00e1vne vyu\u017eitie m\u00f4\u017ee vies\u0165 k finan\u010dn\u00fdm probl\u00e9mom.<\/p>\n\n\n\n<p><strong><em>Viete ak\u00fd je rozdiel medzi kreditnou a debetnou kartou? <a href=\"https:\/\/www.fingo.sk\/blog\/aky-je-rozdiel-medzi-kreditnou-a-debetnou-kartou-a-ktoru-si-vybrat\/\">Pre\u010d\u00edtajte si n\u00e1\u0161 blog<\/a> o rizik\u00e1ch kreditiek.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">8. Vyhnite sa n\u00e1kupom na spl\u00e1tky bez istoty spl\u00e1cania<\/h3>\n\n\n\n<p>Spotrebn\u00e9 \u00favery, \u010di u\u017e v banke alebo v nebankovej spolo\u010dnosti, m\u00f4\u017eu ma\u0165 r\u00f4zne \u00farokov\u00e9 sadzby a podmienky. Pred podpisom zmluvy si d\u00f4kladne pre\u010d\u00edtajte v\u0161etky podmienky a porovnajte viacer\u00e9 ponuky, preto\u017ee rozdiely v \u00farokoch m\u00f4\u017eu vies\u0165 k v\u00fdrazn\u00fdm finan\u010dn\u00fdm n\u00e1kladom.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">9. Uprednostnite financovanie z vlastn\u00fdch \u00faspor<\/h3>\n\n\n\n<p>Namiesto zadl\u017eovania sa po\u010das sviatkov je rozumnej\u0161ie priebe\u017ene <a href=\"https:\/\/www.fingo.sk\/investovanie\">spori\u0165 po\u010das roka<\/a>. T\u00fdm sa vyhnete z\u00e1\u0165a\u017ei z dlhov a \u00farokov v najn\u00e1ro\u010dnej\u0161om obdob\u00ed.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 blog <a href=\"https:\/\/www.fingo.sk\/blog\/10-najcastejsich-mytov-o-investovani-penazi\/\">10 naj\u010dastej\u0161\u00edch m\u00fdtov o investovan\u00ed<\/a>.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">10. Majte pl\u00e1n spl\u00e1cania a sledujte svoje financie<\/h3>\n\n\n\n<p>Ak u\u017e vyu\u017e\u00edvate \u00faverov\u00e9 produkty, stanovte si re\u00e1lny pl\u00e1n spl\u00e1cania a pravidelne kontrolujte svoj finan\u010dn\u00fd stav. V\u010dasn\u00e9 spl\u00e1canie \u00faverov a kontrola v\u00fddavkov v\u00e1m pom\u00f4\u017eu pred\u00eds\u0165 ne\u017eelan\u00fdm poplatkom a zadl\u017eeniu.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"350\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/Ako-usetrit-pri-nakupe-darcekov-na-Vianoce.png\" alt=\"\" class=\"wp-image-10685\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/Ako-usetrit-pri-nakupe-darcekov-na-Vianoce.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/Ako-usetrit-pri-nakupe-darcekov-na-Vianoce-300x103.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/Ako-usetrit-pri-nakupe-darcekov-na-Vianoce-768x263.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pozor na neuv\u00e1\u017een\u00e9 a drah\u00e9 p\u00f4\u017ei\u010dky<\/h2>\n\n\n\n<p>V predviano\u010dnom zhone sa mnoh\u00ed \u013eudia uchy\u013euj\u00fa k r\u00fdchlym \u00faverom bez toho, aby si prepo\u010d\u00edtali skuto\u010dn\u00e9 n\u00e1klady. Vysok\u00e9 \u00faroky, poplatky a dlh\u00e9 spl\u00e1canie m\u00f4\u017eu sp\u00f4sobi\u0165, \u017ee dar\u010deky k\u00fapen\u00e9 dnes, bud\u00fa dom\u00e1cnos\u0165 st\u00e1\u0165 stovky eur navy\u0161e.<\/p>\n\n\n\n<ul>\n<li>Preto ne\u017e sa rozhodnete pre spotrebn\u00fd \u00faver, \u010di u\u017e v banke alebo v nebankovej spolo\u010dnosti, d\u00f4kladne si pre\u0161tudujte v\u0161etky podmienky a porovnajte viacero pon\u00fak.&nbsp;<\/li>\n\n\n\n<li>Rozdiel medzi najv\u00fdhodnej\u0161ou a najdrah\u0161ou p\u00f4\u017ei\u010dkou \u010dasto znamen\u00e1 v\u00fdrazne vy\u0161\u0161ie spl\u00e1tky a preplaten\u00e9 tis\u00edce eur.&nbsp;<\/li>\n\n\n\n<li>Povolen\u00e9 pre\u010derpanie s \u00farokmi okolo 19 % by malo sl\u00fa\u017ei\u0165 ako finan\u010dn\u00e1 rezerva, napr\u00edklad na spl\u00e1tky \u00faveru ak v\u00e1m me\u0161k\u00e1 v\u00fdplata.&nbsp;<\/li>\n\n\n\n<li>Kreditn\u00e1 karta je zas \u00faver s \u00farokmi od 10,9 % do 30 % p.a. a je vhodn\u00e1 na bezhotovostn\u00e9 platby po\u010das bez\u00faro\u010dn\u00e9ho obdobia.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>TIP: Ve\u013ea \u013eud\u00ed si povolen\u00e9 pre\u010derpanie aj kreditn\u00fa kartu m\u00fdli s akousi z\u00e1lo\u017enou hotovos\u0165ou. Pravda je, \u017ee ak ich v\u010das nesplat\u00edte, \u00faroky za\u010dn\u00fa nabieha\u0165 ve\u013emi r\u00fdchlo a bud\u00fa v\u00e1s st\u00e1\u0165 nemal\u00e9 peniaze.\u00a0<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Vianoce nemaj\u00fa by\u0165 o finan\u010dnom strese<\/h2>\n\n\n\n<p>Nezabudnite, \u017ee Vianoce by nemali by\u0165 o finan\u010dnom strese. Je lep\u0161ie str\u00e1vi\u0165 sviatky v pokoji s bl\u00edzkymi, ne\u017e s dlhmi, ktor\u00e9 budete spl\u00e1ca\u0165 po\u010das cel\u00e9ho nasleduj\u00faceho roka.&nbsp;<\/p>\n\n\n\n<p>Ak si vy\u010derp\u00e1te rozpo\u010det len na to, aby ste niekoho obdarovali, ale sami sa dostanete do m\u00ednusu, Vianoce str\u00e1caj\u00fa svoj skuto\u010dn\u00fd zmysel. D\u00f4le\u017eit\u00e9 je n\u00e1js\u0165 rovnov\u00e1hu medzi \u0161tedros\u0165ou a zdrav\u00fdm rozumom.<\/p>\n\n\n\n<p>TIP: Ak sa o svojom rozpo\u010dte a mo\u017enostiach, ako u\u0161etri\u0165, <a href=\"http:\/\/fingo.sk\/zastarale-zmluvy\">chcete poradi\u0165<\/a> s odborn\u00edkom, profesion\u00e1lnych finan\u010dn\u00fdch makl\u00e9rov <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> n\u00e1jdete na celom Slovensku. Radi v\u00e1m pom\u00f4\u017eu.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe> \n","protected":false},"excerpt":{"rendered":"<p>Vianoce sa bl\u00ed\u017eia r\u00fdchlej\u0161ie, ne\u017e by sa zdalo \u2013 a s nimi aj obdobie vy\u0161\u0161\u00edch v\u00fddavkov. M\u00e1te pl\u00e1n, ako ich finan\u010dne zvl\u00e1dnu\u0165 alebo v\u00e1s janu\u00e1r prekvap\u00ed pr\u00e1zdnou pe\u0148a\u017eenkou? U\u017e teraz je ide\u00e1lny \u010das premyslie\u0165 si, ako najkraj\u0161ie sviatky roka pre\u017ei\u0165 pokojne a bez zbyto\u010dn\u00fdch dlhov. Prin\u00e1\u0161ame v\u00e1m 10 tipov, ako u\u0161etri\u0165 pri nakupovan\u00ed viano\u010dn\u00fdch dar\u010dekov. Slov\u00e1ci \u010dasto podliehaj\u00fa tlaku k\u00fapi\u0165 dar\u010deky za ka\u017ed\u00fa cenu, a to aj na \u00faver. No hoci em\u00f3cie pracuj\u00fa, odpor\u00fa\u010dam myslie\u0165 hlavou. Myslite na to, \u017ee nie ka\u017ed\u00fd \u00faver je v\u00fdhodn\u00fd a najm\u00e4 kr\u00e1tkodob\u00e9 a r\u00fdchle p\u00f4\u017ei\u010dky v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ove\u013ea viac, ne\u017e sa na prv\u00fd poh\u013ead zd\u00e1.&nbsp; 1. Stanovte si komplexn\u00fd viano\u010dn\u00fd rozpo\u010det Zahr\u0148te do neho nielen n\u00e1klady na dar\u010deky, ale aj v\u00fddavky na potraviny, v\u00fdzdobu, dopravu a pr\u00edpadn\u00e9 silvestrovsk\u00e9 aktivity. Pripravte sa na finan\u010dn\u00e9 za\u0165a\u017eenie vopred, aby ste mali lep\u0161\u00ed preh\u013ead o svojich mo\u017enostiach. 2. Nakupujte postupne a s dostato\u010dn\u00fdm predstihom Priebe\u017en\u00e9 n\u00e1kupy v\u00e1m pom\u00f4\u017eu rozlo\u017ei\u0165 finan\u010dn\u00e9 za\u0165a\u017eenie a z\u00e1rove\u0148 sa vyhnete vy\u0161\u0161\u00edm cen\u00e1m a obmedzen\u00e9mu v\u00fdberu v predviano\u010dnom obdob\u00ed. 3. Vyhnite sa impulz\u00edvnym n\u00e1kupom Dr\u017ete sa presne stanoven\u00e9ho n\u00e1kupn\u00e9ho zoznamu a rozpo\u010dtu. Nepodliehajte moment\u00e1lnym poku\u0161eniam \u010di sez\u00f3nnym z\u013eav\u00e1m, ktor\u00e9 m\u00f4\u017eu vies\u0165 k nadmernej spotrebe. 4. Porovn\u00e1vajte ceny a podmienky n\u00e1kupov Vyu\u017e\u00edvajte online porovn\u00e1va\u010de [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":10687,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[184,104],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-22T14:31:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-22T15:51:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/ako-usetrit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Zolt\u00e1n \u010cikes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Zolt\u00e1n \u010cikes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\"},\"author\":{\"name\":\"Zolt\u00e1n \u010cikes\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6705c3a5bf061adf3e8990d5d51e00c4\"},\"headline\":\"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch\",\"datePublished\":\"2025-10-22T14:31:52+00:00\",\"dateModified\":\"2025-10-22T15:51:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\"},\"wordCount\":961,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"ako spori\u0165 na vianoce\",\"Ako u\u0161etri\u0165\"],\"articleSection\":[\"Fingo rad\u00ed\",\"Osobn\u00e9 financie\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\",\"name\":\"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-10-22T14:31:52+00:00\",\"dateModified\":\"2025-10-22T15:51:35+00:00\",\"description\":\"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.fingo.sk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Osobn\u00e9 financie\",\"item\":\"https:\/\/www.fingo.sk\/blog\/category\/osobne-financie\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"name\":\"FinGO.sk\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\",\"name\":\"FINGO.SK s. r. o.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"width\":983,\"height\":1000,\"caption\":\"FINGO.SK s. r. o.\"},\"image\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6705c3a5bf061adf3e8990d5d51e00c4\",\"name\":\"Zolt\u00e1n \u010cikes\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/01\/Zoltan-Cikes-96x96.jpg\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/01\/Zoltan-Cikes-96x96.jpg\",\"caption\":\"Zolt\u00e1n \u010cikes\"},\"description\":\"Svoje praktick\u00e9 10-ro\u010dn\u00e9 sk\u00fasenosti zo v\u0161etk\u00fdch sektorov finan\u010dn\u00e9ho sprostredkovania v s\u00fa\u010dasnosti uplat\u0148uje ako riadite\u013e podpory predaja vo FinGO.sk. V spolo\u010dnosti m\u00e1 na starosti aj procesn\u00fd a technologick\u00fd v\u00fdvoj. M\u00e1 r\u00e1d pozit\u00edvnych \u013eud\u00ed a vo vo\u013enom \u010dase sa venuje vzdel\u00e1vaniu, \u0161portu a rodine.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/author\/zoltan_cikes\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk","description":"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/","og_locale":"sk_SK","og_type":"article","og_title":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk","og_description":"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.","og_url":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/","og_site_name":"FinGO.sk","article_published_time":"2025-10-22T14:31:52+00:00","article_modified_time":"2025-10-22T15:51:35+00:00","og_image":[{"width":1080,"height":720,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/10\/ako-usetrit.jpg","type":"image\/jpeg"}],"author":"Zolt\u00e1n \u010cikes","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Zolt\u00e1n \u010cikes","Predpokladan\u00fd \u010das \u010d\u00edtania":"5 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/"},"author":{"name":"Zolt\u00e1n \u010cikes","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6705c3a5bf061adf3e8990d5d51e00c4"},"headline":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch","datePublished":"2025-10-22T14:31:52+00:00","dateModified":"2025-10-22T15:51:35+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/"},"wordCount":961,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["ako spori\u0165 na vianoce","Ako u\u0161etri\u0165"],"articleSection":["Fingo rad\u00ed","Osobn\u00e9 financie"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/","url":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/","name":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch - FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2025-10-22T14:31:52+00:00","dateModified":"2025-10-22T15:51:35+00:00","description":"Vianoce bez stresu a dlhov? Pre\u010d\u00edtajte si, ako rozumne pl\u00e1nova\u0165 v\u00fddavky a u\u0161etri\u0165 pri nakupovan\u00ed dar\u010dekov.","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-usetrit-pri-nakupovani-darcekov-na-vianoce\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Osobn\u00e9 financie","item":"https:\/\/www.fingo.sk\/blog\/category\/osobne-financie\/"},{"@type":"ListItem","position":3,"name":"10 r\u00e1d, ako u\u0161etri\u0165 pri viano\u010dn\u00fdch n\u00e1kupoch"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6705c3a5bf061adf3e8990d5d51e00c4","name":"Zolt\u00e1n \u010cikes","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/01\/Zoltan-Cikes-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/01\/Zoltan-Cikes-96x96.jpg","caption":"Zolt\u00e1n \u010cikes"},"description":"Svoje praktick\u00e9 10-ro\u010dn\u00e9 sk\u00fasenosti zo v\u0161etk\u00fdch sektorov finan\u010dn\u00e9ho sprostredkovania v s\u00fa\u010dasnosti uplat\u0148uje ako riadite\u013e podpory predaja vo FinGO.sk. V spolo\u010dnosti m\u00e1 na starosti aj procesn\u00fd a technologick\u00fd v\u00fdvoj. M\u00e1 r\u00e1d pozit\u00edvnych \u013eud\u00ed a vo vo\u013enom \u010dase sa venuje vzdel\u00e1vaniu, \u0161portu a rodine.","url":"https:\/\/www.fingo.sk\/blog\/author\/zoltan_cikes\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10684"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=10684"}],"version-history":[{"count":17,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10684\/revisions"}],"predecessor-version":[{"id":10712,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/10684\/revisions\/10712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/10687"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=10684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=10684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=10684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}