{"id":2932,"date":"2020-12-29T16:42:26","date_gmt":"2020-12-29T15:42:26","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2932"},"modified":"2020-12-29T17:09:50","modified_gmt":"2020-12-29T16:09:50","slug":"aj-vy-miniete-desiatky-eur-na-zbytocnosti-vieme-ako-sa-tomu-vyhnut","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/aj-vy-miniete-desiatky-eur-na-zbytocnosti-vieme-ako-sa-tomu-vyhnut\/","title":{"rendered":"Aj vy miniete desiatky eur na zbyto\u010dnosti? Vieme, ako sa tomu vyhn\u00fa\u0165"},"content":{"rendered":"

Vedeli ste, \u017ee priemern\u00fd Slov\u00e1k minie na zbyto\u010dnosti 65 eur mesa\u010dne? Pod\u013ea najnov\u0161\u00edch \u00fadajov Eur\u00f3pskeho \u0161tatistick\u00e9ho \u00faradu Eurostat vlani minuli Slov\u00e1ci desiatky eur \u201enavy\u0161e\u201c na nepotrebn\u00e9 elektronick\u00e9 vychyt\u00e1vky, oble\u010denie \u010di kozmetiku. Pritom a\u017e 40 % z toho, \u010do nak\u00fapime, vyhod\u00edme. Ako sa tomu vyhn\u00fa\u0165 a m\u00ed\u0148a\u0165 peniaze s rozumom?\u00a0<\/b><\/p>\n

Pod\u013ea prieskumov podliehame impulz\u00edvnym n\u00e1kupom<\/strong> a nakupujeme aj to, \u010do nepotrebujeme. Pritom zab\u00fadame na \u0161etrenie a v pr\u00edpade ne\u010dakan\u00fdch finan\u010dn\u00fdch v\u00fddavkov ako je oprava pr\u00e1\u010dky \u010di auta nem\u00e1me vytvoren\u00fa dostato\u010dn\u00fa rezervu<\/a>.\u00a0<\/span><\/p>\n

Najviac m\u00ed\u0148ame na b\u00fdvanie a na potraviny<\/b><\/span><\/h2>\n

Ak sa pozrieme na celkov\u00e9 v\u00fddavky slovensk\u00fdch dom\u00e1cnosti, najn\u00e1kladnej\u0161ou polo\u017ekou je b\u00fdvanie. V porovnan\u00ed s krajinami E\u00da sme v\u0161ak mali za rok 2020 jedny z najvy\u0161\u0161\u00edch n\u00e1kladov nielen na b\u00fdvanie, ale aj na potraviny<\/strong> a nealkoholick\u00e9 n\u00e1poje. Pritom len na potraviny minieme ro\u010dne mimo n\u00e1kupn\u00e9ho zoznamu pribli\u017ene 2300 eur.\u00a0<\/strong><\/span><\/p>\n

\u010casto tak m\u00ed\u0148ame peniaze aj za potraviny, ktor\u00e9 nestihneme skonzumova\u0165 do konca ich spotreby a potom ich vyhadzujeme.<\/span> Mimochodom, najrizikovej\u0161\u00edmi mesiacmi<\/strong> z poh\u013eadu m\u00ed\u0148ania na zbyto\u010dnosti s\u00fa posledn\u00e9 tri mesiace roka. S\u00favis\u00ed to aj s n\u00e1kupmi potrav\u00edn a dar\u010dekov na Vianoce.<\/a>\u00a0<\/span><\/p>\n

TIP: <\/b><\/span>Nov\u00fd rok a s n\u00edm spojen\u00e9 predsavzatia m\u00f4\u017eu by\u0165 pr\u00edle\u017eitos\u0165ou k zmene. Skoncujte so zbyto\u010dn\u00fdm m\u00ed\u0148an\u00edm<\/strong>, aby v\u00e1m peniaze u\u017e nepretekali pomedzi prsty. Ako na to?\u00a0<\/span><\/p>\n

8 r\u00e1d, ako nakupova\u0165 a lep\u0161ie vych\u00e1dza\u0165 s mesa\u010dn\u00fdm rozpo\u010dtom<\/b><\/span><\/h2>\n

Sp\u00f4sobov, ako efekt\u00edvnej\u0161ie nakupova\u0165 a lep\u0161ie hospod\u00e1ri\u0165 s mesa\u010dn\u00fdm rozpo\u010dtom<\/a> dom\u00e1cnosti, je hne\u010f nieko\u013eko. Pre\u010d\u00edtajte si z\u00e1kladn\u00e9 rady, ako za\u010da\u0165.\u00a0\u00a0<\/span><\/p>\n

1.<\/strong><\/span> V prvom rade nakupujte pl\u00e1novane<\/strong>, nie impulz\u00edvne. Pred odchodom do obchodu si pripravte podrobn\u00fd n\u00e1kupn\u00fd zoznam, ten je alfou a omegou.<\/span><\/p>\n

2.\u00a0<\/strong><\/span>Nenechajte sa v let\u00e1koch zl\u00e1ka\u0165 v\u00fdhodnou ponukou<\/strong> na nie\u010do, \u010do re\u00e1lne nepotrebujete. Ak s\u00fa niektor\u00e9 tovary v akcii, neznamen\u00e1 to, \u017ee ich mus\u00edte nevyhnutne k\u00fapi\u0165.\u00a0<\/span><\/p>\n

3.\u00a0<\/span>Vyhnite sa aj spont\u00e1nnym n\u00e1kupom<\/strong> a neh\u00e1d\u017ete v obchode do ko\u0161\u00edka produkty, ktor\u00e9 v\u00e1s zl\u00e1kaj\u00fa reklamou alebo obalom, ale v skuto\u010dnosti sa v\u00e1m nez\u00eddu.<\/span><\/p>\n

4.\u00a0<\/strong><\/span>Dobre si premyslite aj n\u00e1kupy vec\u00ed, ktor\u00e9 re\u00e1lne pou\u017eijete len raz<\/strong> a potom v\u00e1m doma zbyto\u010dne zaberaj\u00fa miesto. \u010casto ide o kozmetiku alebo oble\u010denie, ktor\u00e9 sa v\u00e1m u\u017e na druh\u00fd de\u0148 nep\u00e1\u010di.\u00a0\u00a0<\/span><\/p>\n

5.\u00a0<\/strong><\/span>M\u00f4\u017eete by\u0165 prekvapen\u00ed, ko\u013eko pe\u0148az\u00ed v\u010faka efekt\u00edvnej\u0161iemu nakupovaniu u\u0161etr\u00edte.<\/strong> No aj keby to bolo len 10 \u010di 20 eur mesa\u010dne, odlo\u017ete ich na rezervu alebo ich investujte. Ak neviete ako, <\/span>porad\u00edme v\u00e1m<\/span><\/a>.\u00a0\u00a0\u00a0<\/span><\/p>\n

6.\u00a0<\/span>Sp\u00ed\u0161te si aj v\u0161etky ostatn\u00e9 pravideln\u00e9 mesa\u010dn\u00e9 v\u00fddavky<\/strong>. Napr\u00edklad platby za k\u00e1blovku, internet, mobiln\u00fd pau\u0161\u00e1l, p\u00f4\u017ei\u010dky alebo poistenie. Zamyslite sa, \u010di neplat\u00edte za rozsah slu\u017eieb, ktor\u00fd je nad va\u0161e re\u00e1lne potreby.<\/span><\/p>\n

\"\u00farokov\u00e9<\/p>\n

7.\u00a0<\/span>Urobte si poriadok aj v m\u00ed\u0148an\u00ed na b\u00fdvanie.<\/strong> Okrem povinn\u00fdch platieb za plyn, elektrinu \u010di vodu mo\u017eno spl\u00e1cate aj hypot\u00e9ku. Ak je v\u00e1\u0161 \u00faver star\u0161\u00ed, jeho <\/span>refinancovan\u00edm<\/span><\/a> m\u00f4\u017eete do rozpo\u010dtu prinies\u0165 desiatky eur.<\/span><\/p>\n

8.\u00a0<\/strong><\/span>Ak chcete u\u0161etri\u0165 aj na in\u00fdch finan\u010dn\u00fdch produktoch<\/strong>, pom\u00f4\u017ee v\u00e1m s t\u00fdm finan\u010dn\u00fd sprostredkovate\u013e. Va\u0161e povinn\u00e9 spl\u00e1tky \u00faverov a poistiek m\u00f4\u017ee prehodnoti\u0165 a navrhn\u00fa\u0165 v\u00e1m v\u00fdhodnej\u0161ie alternat\u00edvy.\u00a0<\/span><\/p>\n

TIP:<\/span> <\/b>Makl\u00e9ri z FinGO.sk<\/strong> \u0161etria klientom <\/span>kontrolou zastar\u00fdch zml\u00fav<\/span><\/a> priemerne 95 eur mesa\u010dne<\/strong>. Ro\u010dne sa tak \u00faspora rodiny vy\u0161plh\u00e1 na 1 140 eur.\u00a0\u00a0<\/strong><\/span><\/p>\n

Ak chcete vedie\u0165, na \u010dom by ste mohli u\u0161etri\u0165 vy, radi v\u00e1m s t\u00fdm porad\u00edme. Zavolajte n\u00e1m na 0800 60 10 60<\/span> alebo n\u00e1m zanechajte svoje kontaktn\u00e9 \u00fadaje a my sa v\u00e1m ozveme.\u00a0<\/span><\/p>\n

\n

\n

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    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Vedeli ste, \u017ee priemern\u00fd Slov\u00e1k minie na zbyto\u010dnosti 65 eur mesa\u010dne? Pod\u013ea najnov\u0161\u00edch \u00fadajov Eur\u00f3pskeho \u0161tatistick\u00e9ho \u00faradu Eurostat vlani minuli Slov\u00e1ci desiatky eur \u201enavy\u0161e\u201c na nepotrebn\u00e9 elektronick\u00e9 vychyt\u00e1vky, oble\u010denie \u010di kozmetiku. Pritom a\u017e 40 % z toho, \u010do nak\u00fapime, vyhod\u00edme. Ako sa tomu vyhn\u00fa\u0165 a m\u00ed\u0148a\u0165 peniaze s rozumom?\u00a0 Pod\u013ea prieskumov podliehame impulz\u00edvnym n\u00e1kupom a nakupujeme aj to, \u010do nepotrebujeme. Pritom zab\u00fadame na \u0161etrenie a v pr\u00edpade ne\u010dakan\u00fdch finan\u010dn\u00fdch v\u00fddavkov ako je oprava pr\u00e1\u010dky \u010di auta nem\u00e1me vytvoren\u00fa dostato\u010dn\u00fa rezervu.\u00a0 Najviac m\u00ed\u0148ame na b\u00fdvanie a na potraviny Ak sa pozrieme na celkov\u00e9 v\u00fddavky slovensk\u00fdch dom\u00e1cnosti, najn\u00e1kladnej\u0161ou polo\u017ekou je b\u00fdvanie. V porovnan\u00ed s krajinami E\u00da sme v\u0161ak mali za rok 2020 jedny z najvy\u0161\u0161\u00edch n\u00e1kladov nielen na b\u00fdvanie, ale aj na potraviny a nealkoholick\u00e9 n\u00e1poje. Pritom len na potraviny minieme ro\u010dne mimo n\u00e1kupn\u00e9ho zoznamu pribli\u017ene 2300 eur.\u00a0 \u010casto tak m\u00ed\u0148ame peniaze aj za potraviny, ktor\u00e9 nestihneme skonzumova\u0165 do konca ich spotreby a potom ich vyhadzujeme. Mimochodom, najrizikovej\u0161\u00edmi mesiacmi z poh\u013eadu m\u00ed\u0148ania na zbyto\u010dnosti s\u00fa posledn\u00e9 tri mesiace roka. S\u00favis\u00ed to aj s n\u00e1kupmi potrav\u00edn a dar\u010dekov na Vianoce.\u00a0 TIP: Nov\u00fd rok a s n\u00edm spojen\u00e9 predsavzatia m\u00f4\u017eu by\u0165 pr\u00edle\u017eitos\u0165ou k zmene. Skoncujte so zbyto\u010dn\u00fdm m\u00ed\u0148an\u00edm, aby v\u00e1m peniaze u\u017e nepretekali pomedzi […]<\/p>\n","protected":false},"author":32,"featured_media":2936,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73,157],"tags":[104,105],"yoast_head":"\nAj vy miniete desiatky eur na zbyto\u010dnosti? Vieme, ako sa tomu vyhn\u00fa\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Vedeli ste, \u017ee priemern\u00fd Slov\u00e1k minie na zbyto\u010dnosti 65 eur mesa\u010dne? Ako sa tomu vyhn\u00fa\u0165 a nakupova\u0165 rozumne? Pre\u010d\u00edtajte si n\u00e1\u0161 \u010dl\u00e1nok.\" \/>\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\/aj-vy-miniete-desiatky-eur-na-zbytocnosti-vieme-ako-sa-tomu-vyhnut\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aj vy miniete desiatky eur na zbyto\u010dnosti? Vieme, ako sa tomu vyhn\u00fa\u0165 - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Vedeli ste, \u017ee priemern\u00fd Slov\u00e1k minie na zbyto\u010dnosti 65 eur mesa\u010dne? Ako sa tomu vyhn\u00fa\u0165 a nakupova\u0165 rozumne? 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