{"id":4095,"date":"2021-10-14T13:05:27","date_gmt":"2021-10-14T11:05:27","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4095"},"modified":"2021-11-09T13:59:43","modified_gmt":"2021-11-09T12:59:43","slug":"7-tipov-ako-si-upratat-vo-financiach-usetrite-aj-zarobite","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/7-tipov-ako-si-upratat-vo-financiach-usetrite-aj-zarobite\/","title":{"rendered":"7 tipov, ako si uprata\u0165 vo financi\u00e1ch. U\u0161etr\u00edte aj zarob\u00edte"},"content":{"rendered":"\n<p><b>\u010eal\u0161ie zdra\u017eovanie potr\u00e1pi pe\u0148a\u017eenky Slov\u00e1kov. Op\u00e4\u0165 si priplat\u00edme za potraviny, rast\u00fa ceny stavebn\u00fdch materi\u00e1lov, energi\u00ed, spotrebi\u010dov, ale aj in\u00fdch tovarov. Ako v tejto situ\u00e1cii u\u0161etri\u0165 a e\u0161te aj zarobi\u0165? Sk\u00faste si s odborn\u00edkom posvieti\u0165 na va\u0161e star\u0161ie finan\u010dn\u00e9 produkty, ktor\u00e9 dlh\u00e9 roky plat\u00edte banke \u010di pois\u0165ovni. Oplat\u00ed sa to.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Od vypuknutia pand\u00e9mie sa v\u00fdrazne <strong>zv\u00fd\u0161il z\u00e1ujem<\/strong> \u013eud\u00ed o kontrolu svojich finan\u010dn\u00fdch produktov. V\u010faka nej m\u00f4\u017eete v rodinnom rozpo\u010dte u\u0161etri\u0165 <strong>desiatky eur mesa\u010dne.<\/strong> V niektor\u00fdch pr\u00edpadoch, najm\u00e4 ak spl\u00e1cate viac \u00faverov, sa \u00faspora \u0161plh\u00e1 aj <strong>k stovk\u00e1m eur <\/strong>mesa\u010dne.<\/span><i>\u00a0<\/i><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">Kontrola star\u0161\u00edch finan\u010dn\u00fdch zml\u00fav<\/a> sa oplat\u00ed kv\u00f4li \u00faspore, ale aj kvalitnej\u0161\u00edm podmienkam<\/span><span style=\"font-weight: 400;\">. <\/span><\/p>\n<blockquote>\n<p>\u010ci u\u017e spl\u00e1cate hypot\u00e9ku, m\u00e1te uzavret\u00e9 \u017eivotn\u00e9 poistenie, PZP alebo sporenie, po rokoch m\u00f4\u017eu by\u0165 pre v\u00e1s nev\u00fdhodn\u00e9, predra\u017een\u00e9 a niekedy si ich plat\u00edte aj \u00faplne zbyto\u010dne.\u00a0<\/p>\n<\/blockquote>\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">No nielen okam\u017eit\u00e1 pe\u0148a\u017en\u00e1 \u00faspora je d\u00f4le\u017eit\u00e1. Ak m\u00e1te napr\u00edklad \u017eivotn\u00e9 poistenie<strong> star\u0161ie ako 5 rokov<\/strong>, m\u00f4\u017ee sa pokojne sta\u0165, \u017ee v\u00e1m v pr\u00edpade v\u00e1\u017enej choroby, \u00farazu alebo dlh\u0161ej PN-ky v s\u00fa\u010dasnosti<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-vas-kryje-vase-zivotne-poistenie\/\"><span style=\"font-weight: 400;\"> v\u00f4bec nepom\u00f4\u017ee.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Pod\u013ea na\u0161ich sk\u00fasenost\u00ed je a\u017e<strong> 8 z 10 poistiek <\/strong>neaktu\u00e1lnych a rovnako pribli\u017ene <strong>8 z 10 \u00faverov <\/strong>m\u00e1 zbyto\u010dne vysok\u00e9 \u00faroky. Jednoduchou kontrolou a optimaliz\u00e1ciou zastaral\u00fdch zml\u00fav m\u00f4\u017ee <strong>aj va\u0161a rodina<\/strong> vyu\u017ei\u0165 skryt\u00e9 rezervy, stabilizova\u0165 svoje financie a celkovo sa ma\u0165 finan\u010dne lep\u0161ie. Po\u010fme sa spolu pozrie\u0165 na konkr\u00e9tne pr\u00edklady.\u00a0<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">1. V\u00fdhodn\u00fd finan\u010dn\u00fd produkt sa \u010dasom m\u00f4\u017ee zmeni\u0165 na zbyto\u010dn\u00fd<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Va\u0161a finan\u010dn\u00e1 aj celkovo \u017eivotn\u00e1 situ\u00e1cia sa po\u010das trvania va\u0161ich zml\u00fav men\u00ed. No a tieto zmeny by sa mali odzrkadli\u0165 aj vo v\u00fdbere a vhodnom nastaven\u00ed v\u00e1\u0161ho <a href=\"https:\/\/www.fingo.sk\/blog\/zivotne-poistenie-ma-kopirovat-kazdu-zivotnu-zmenu\/\">poistenia<\/a>, hypot\u00e9ky \u010di sporenia. Zmen\u00ed sa napr\u00edklad v\u00e1\u0161 <strong>pr\u00edjem, rodinn\u00fd stav, zamestnanie,<\/strong> za\u010dnete podnika\u0165, \u0161portova\u0165 alebo prestanete faj\u010di\u0165. V\u0161etky tieto zmeny maj\u00fa dopady aj na va\u0161e finan\u010dn\u00e9 produkty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ale nejde len o zmeny v na\u0161om \u017eivote, aj in\u00e9 oblasti sa vyv\u00edjaj\u00fa a vpl\u00fdvaj\u00fa na v\u00fdhodnos\u0165 uzavretej hypot\u00e9ky, poistenia \u010di sporenia. \u010ci u\u017e ide o <strong>zv\u00fd\u0161en\u00fd rast cien <\/strong>nehnute\u013enost\u00ed, zmenu legislat\u00edvy, da\u0148ov\u00e9 \u00fa\u013eavy a \u0161t\u00e1tne pr\u00edspevky, <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">zmenu \u00farokov\u00fdch sadzieb<\/a> &#8211; faktorov, ktor\u00e9 vpl\u00fdvaj\u00fa na na\u0161e finan\u010dn\u00e9 produkty je naozaj mnoho. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">A v\u0161etky vedia p\u00f4vodne v\u00fdhodn\u00fd a dobre nastaven\u00fd produkt \u010dasom zmeni\u0165 na nev\u00fdhodn\u00fd, dokonca a\u017e \u00faplne zbyto\u010dn\u00fd.\u00a0<\/span><\/p>\n<\/blockquote>\n<h3><strong><span style=\"color: #ec8124;\">2. Banky a pois\u0165ovne vylep\u0161uj\u00fa ponuku, za rovnak\u00fa cenu z\u00edskate viac<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161\u00edm d\u00f4vodom na to, aby ste sa poobzerali po nov\u0161\u00edch finan\u010dn\u00fdch produktoch, s\u00fa aj <strong>zmeny na finan\u010dnom trhu.<\/strong> V\u010faka konkuren\u010dn\u00e9mu boju na bankovom a poistnom trhu prin\u00e1\u0161aj\u00fa banky, pois\u0165ovne \u010di investi\u010dn\u00e9 spolo\u010dnosti nov\u00e9 a kvalitnej\u0161ie produkty, ktor\u00e9<strong> lep\u0161ie reflektuj\u00fa<\/strong> s\u00fa\u010dasn\u00e9 potreby klientov. To v\u0161ak neznamen\u00e1, \u017ee musia by\u0165 automaticky aj drah\u0161ie, pr\u00e1ve naopak. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ve\u013eakr\u00e1t za t\u00fa ist\u00fa cenu z\u00edskate <strong>\u0161ir\u0161ie poistn\u00e9 krytie<\/strong> alebo nov\u00fd \u00faver stoj\u00ed <strong>ove\u013ea menej<\/strong> ako ten star\u00fd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Takisto je be\u017en\u00e9, \u017ee banky alebo pois\u0165ovne <strong>sp\u00e1jaj\u00fa viacer\u00e9 <\/strong>produkty do jedn\u00e9ho, aby sa lep\u0161ie prisp\u00f4sobili potreb\u00e1m klientov. <\/span><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 prin\u00e1\u0161aj\u00fa \u00faplne nov\u00e9, ktor\u00e9 predt\u00fdm neexistovali a m\u00f4\u017eu vyhovova\u0165 va\u0161im aktu\u00e1lnym po\u017eiadavk\u00e1m viac ako tie star\u00e9. To v\u0161etko s\u00fa d\u00f4vody, pri ktor\u00fdch sa oplat\u00ed pozrie\u0165 na star\u0161ie poistky, prehodnoti\u0165 v\u00fdhodnos\u0165 \u00faverov \u010di<strong> mo\u017enosti investovania. <\/strong>Ni\u017e\u0161ie v \u010dl\u00e1nku si pop\u00ed\u0161eme aj na \u010fal\u0161ie konkr\u00e9tne pr\u00edklady.\u00a0<\/span><\/p>\n<h3><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-4272 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/gif_investicie.gif\" alt=\"Fingo.sk investovanie kalkula\u010dka\" width=\"1350\" height=\"905\" \/><\/a><\/h3>\n<h3><span style=\"color: #ec8124;\"><strong>3. Najvy\u0161\u0161ia \u00faspora sa ukr\u00fdva pri \u00faveroch. Daj\u00fa sa vymeni\u0165 aj pred\u013a\u017ei\u0165\u00a0<\/strong><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako prv\u00e9 za\u010dnite minimalizova\u0165 zbyto\u010dn\u00e9 n\u00e1klady na<strong> drah\u00e9 \u00favery.<\/strong> Toto odpor\u00fa\u010danie plat\u00ed st\u00e1le, aj mimo obdobia zdra\u017eovania, resp. pand\u00e9mie. Ak spl\u00e1cate hypot\u00e9ku, spotrebn\u00fd \u00faver alebo aj leasing a existuje rozumn\u00e1 mo\u017enos\u0165 na <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky-10-rad-kedy-sa-naozaj-oplati\/\">refinancovanie<\/a> alebo konsolid\u00e1ciu \u00faverov a zn\u00ed\u017eenie spl\u00e1tok, nie je d\u00f4vod neurobi\u0165 to.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Takisto je dobr\u00e9 ma\u0165 nastaven\u00e9 spl\u00e1tky na minimum, \u010di\u017ee si nastavi\u0165 <strong>\u010do najdlh\u0161iu dobu spl\u00e1cania<\/strong> hypot\u00e9ky. Ak u\u017e \u00faver spl\u00e1cate, m\u00f4\u017eete banku po\u017eiada\u0165 aj o pred\u013a\u017eenie splatnosti na viac rokov a mesa\u010dne tak u\u0161etr\u00edte.\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Rovnako ak si chcete zobra\u0165 hypot\u00e9ku na 10 rokov, v\u017edy odpor\u00fa\u010dam natiahnu\u0165 si ju na <strong>maxim\u00e1lnu dobu,<\/strong> napr\u00edklad 30 rokov.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">T\u00fdm sa va\u0161a mesa\u010dn\u00e1 spl\u00e1tka zn\u00ed\u017ei a u\u0161etren\u00e9 peniaze si m\u00f4\u017eete odklada\u0165 bokom alebo e\u0161te lep\u0161ie, <strong><a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">pravidelne ich investova\u0165.<\/a><\/strong><\/span><\/li>\n<li><span style=\"font-weight: 400;\">N\u00e1sledne takto \u201cnazbieran\u00e9\u201d peniaze po 10 rokoch vezmete a \u00faver jednorazovo splat\u00edte sk\u00f4r.\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">V\u00fdhodou tohto rie\u0161enia je, \u017ee ke\u010f sa kr\u00e1tkodobo dostanete do finan\u010dn\u00fdch probl\u00e9mov, s ni\u017e\u0161\u00edmi spl\u00e1tkami sa v\u00e1m <strong>d\u00fdcha \u013eah\u0161ie<\/strong> a sporenie tie\u017e m\u00f4\u017eete na p\u00e1r mesiacov preru\u0161i\u0165.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Navy\u0161e vhodn\u00fdm investovan\u00edm e\u0161te aj <strong>zarob\u00edte.<\/strong><\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3><span style=\"color: #ec8124;\"><strong>4. Star\u00e9 sporenia s n\u00edzkymi \u00farokmi v\u00e1s oberaj\u00fa o tis\u00edcky eur<\/strong><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ve\u013ea \u013eud\u00ed si st\u00e1le neuvedomuje, \u017ee be\u017en\u00fd alebo sporiaci \u00fa\u010det sl\u00fa\u017eia hlavne na odkladanie pe\u0148az\u00ed na finan\u010dn\u00fa rezervu, aby ich mali v pr\u00edpade potreby \u201cpo ruke\u201d. Ale pri takmer <strong>nulov\u00fdch \u00farokoch<\/strong> a s\u00fa\u010dasnej infl\u00e1cii tieto produkty neudr\u017eia hodnotu va\u0161ich pe\u0148az\u00ed a u\u017e v\u00f4bec ich nezhodnotia. Preto je potrebn\u00e9, aby ste peniaze presunuli do vhodn\u00fdch investi\u010dn\u00fdch produktov.\u00a0<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V oblasti invest\u00edci\u00ed s\u00fa dnes na trhu nov\u00e9 mo\u017enosti ako je investovanie do akci\u00ed, dlhopisov, nehnute\u013enost\u00ed \u010di do zlata, kam m\u00f4\u017eete investova\u0165 napr\u00edklad aj <strong>od 20 eur<\/strong> mesa\u010dne. N\u00e1vod, ako za\u010da\u0165 s investovan\u00edm n\u00e1jdete aj<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\"><span style=\"font-weight: 400;\"> v na\u0161om \u010fal\u0161om blogu.<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">P<\/span><span style=\"font-weight: 400;\">robl\u00e9mom je aj to, \u017ee v\u00fdsledok pri investovan\u00ed vid\u00edte a\u017e o p\u00e1r rokov a z\u00e1rove\u0148 si ho <strong>neviete porovna\u0165.<\/strong> Be\u017ene \u010dlovek nevie odpoveda\u0165 na ot\u00e1zku, \u010di zisk 2000 \u20ac za 10 rokov je v\u00fdhodnou alebo nev\u00fdhodnou invest\u00edciou. <\/span><span style=\"font-weight: 400;\">Mno\u017estvo \u013eud\u00ed si v\u0161ak spor\u00ed dlhodobo pri n\u00edzkom zhodnoten\u00ed. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Je paradoxom, \u017ee sa \u013eudia pri hypot\u00e9ke do\u0165ahuj\u00fa o 0,1 % na \u00faroku, ale sporia si \u010dasto na term\u00ednovanom vklade \u010di sporiacom \u00fa\u010dte s \u00farokom 0,2 % ro\u010dne oproti priemern\u00fdm 5 %, ktor\u00e9 by mohli z\u00edska\u0165 vhodn\u00fdm investovan\u00edm.<\/span><\/p>\n<\/blockquote>\n<p><strong><span style=\"color: #ec8124;\">Pr\u00edklad: <\/span><\/strong><span style=\"font-weight: 400;\">Ak by ste mali v s\u00fa\u010dasnosti nasporen\u00fdch 5-tis\u00edc \u20ac a pravidelne si spor\u00edte po 100 \u20ac mesa\u010dne, o 10 rokov by pri ste s \u00farokom 0,2 % nasporili sumu 17 200 \u20ac. Ale s \u00farokom 5 % by to bolo a\u017e 23 700 \u20ac. Rozdiel vo v\u00fdslednej sume je <strong>6 500 \u20ac. <\/strong><\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">5. Druh\u00fd d\u00f4chodkov\u00fd pilier &#8211; pozor, ak\u00fdm sp\u00f4sobom si men\u00edte fondy<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">N<\/span><span style=\"font-weight: 400;\">iekedy<\/span><span style=\"font-weight: 400;\"><strong> sta\u010d\u00ed aj mal\u00e1 zmena<\/strong>, ktor\u00e1 v\u00e1s ni\u010d nestoj\u00ed a pritom v\u00e1m m\u00f4\u017ee vo fin\u00e1le prinies\u0165 tis\u00edcky eur. Typick\u00fdm pr\u00edkladom je \u010dasto spom\u00ednan\u00fd <a href=\"https:\/\/www.fingo.sk\/blog\/druhy-pilier-ako-zmenit-fondy-aby-ste-dosiahli-ovela-vyssi-dochodok\/\">druh\u00fd d\u00f4chodkov\u00fd pilier<\/a>, do ktor\u00e9ho odch\u00e1dza \u010das\u0165 na\u0161ich povinn\u00fdch odvodov, tak\u017ee n\u00e1s nestoj\u00ed ani euro navy\u0161e. <\/span><span style=\"font-weight: 400;\">Ale ak si v druhom pilieri spor\u00edte v nevhodn\u00fdch fondoch, va\u0161e peniaze sa zhodnocuj\u00fa ve\u013emi slabo a v horizonte 25 a\u017e 35 rokov m\u00f4\u017eu by\u0165 va\u0161e \u00faspory <strong>aj 3-n\u00e1sobne ni\u017e\u0161ie.\u00a0\u00a0<\/strong><\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">V\u00fdnosy jednotliv\u00fdch fondov si m\u00f4\u017eete porovna\u0165 aj <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\"><span style=\"font-weight: 400;\">v na\u0161om \u010dl\u00e1nku<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V s\u00fa\u010dasnosti v\u0161ak treba d\u00e1va\u0165 pozor aj na to, aby ste<strong> nepres\u00favali v\u0161etky \u00faspory<\/strong> z konzervat\u00edvnych do akciov\u00fdch fondov, ale len nov\u00e9 platby. Akcie s\u00fa v s\u00fa\u010dasnosti st\u00e1le vysoko, preto je lep\u0161ie po\u010dka\u0165, k\u00fdm klesn\u00fa a vtedy ich nakupova\u0165. Preto je dobr\u00e9 zisti\u0165 vo svojej d\u00f4chodkovej spolo\u010dnosti, ako si presun\u00fa\u0165 v r\u00e1mci fondov<strong> len nov\u00e9 platby<\/strong>, \u010di\u017ee nov\u00e9 sporenie. <\/span><span style=\"font-weight: 400;\">A bal\u00edk pe\u0148az\u00ed, ktor\u00fd u\u017e m\u00e1te nasporen\u00fd, zatia\u013e ponechajte v konzervat\u00edvnych fondoch.\u00a0 \u00a0<\/span><\/p>\n<h3><span style=\"color: initial;\"><strong><span style=\"color: #ec8124;\">6. \u017divotn\u00e1 poistka s nev\u00fdhodn\u00fdm sporen\u00edm alebo zbyto\u010dn\u00e9 pripoistenia<\/span><\/strong><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161\u00edm pr\u00edkladom s\u00fa aj zmluvy \u017eivotn\u00e9ho poistenia s nev\u00fdhodn\u00fdm sporen\u00edm, ktor\u00e9 m\u00e1 st\u00e1le ve\u013ea star\u0161\u00edch \u013eud\u00ed. \u010casto sa st\u00e1va aj to, \u017ee sa zmenou povolania alebo pr\u00edjmu niektor\u00e9 pripoistenia vo va\u0161ej poistnej zmluve dostan\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/pandemiu-maju-niektore-poistovne-vo-vylukach\/\">do v\u00fdluky<\/a> alebo s\u00fa \u00faplne neplatn\u00e9.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To znamen\u00e1, \u017ee si m\u00f4\u017eete <strong>zbyto\u010dne plati\u0165<\/strong> desiatky eur mesa\u010dne za nie\u010do, \u010do nem\u00f4\u017ee vyu\u017ei\u0165.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V pr\u00edpade poistnej udalosti budete iba nahnevan\u00fd, \u017ee v\u00e1m pois\u0165ov\u0148a <strong>nevyplatila <\/strong>poistn\u00e9 plnenie.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Na druhej strane, pri <strong>poisten\u00ed auta <\/strong>alebo <strong><a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\">nehnute\u013enosti<\/a><\/strong> v nov\u00fdch produktoch prib\u00fadaj\u00fa r\u00f4zne bezplatn\u00e9 pripoistenia, asisten\u010dn\u00e9 slu\u017eby a in\u00e9 benefity, ktor\u00e9 s\u00fa \u010dasto za nezmenen\u00fa alebo aj v\u00fdhodnej\u0161iu cenu.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ale ak o t\u00fdchto novink\u00e1ch neviete, nem\u00f4\u017eete ich samozrejme vyu\u017ei\u0165. A tak si st\u00e1le nieko\u013eko rokov plat\u00edte star\u00e9 a <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/pzp-porovnanie\/\"><span style=\"font-weight: 400;\">menej v\u00fdhodn\u00e9 poistenie<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pritom <strong>za rovnak\u00fa cenu<\/strong> dnes viete z\u00edska\u0165 \u0161ir\u0161ie poistn\u00e9 krytie, vy\u0161\u0161ie poistn\u00e9 limity a celkovo lep\u0161ie podmienky.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><strong>7. V\u00e4\u010d\u0161ina \u013eud\u00ed nevie pos\u00fadi\u0165 v\u00fdhodnos\u0165 svojho \u00faveru \u010di poistky<\/strong><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ako sa hovor\u00ed, \u017e<\/span><span style=\"font-weight: 400;\">ijeme r\u00fdchlej\u0161ie a r\u00fdchlej\u0161ie sa menia aj na\u0161e potreby, vr\u00e1tane t\u00fdch finan\u010dn\u00fdch. Mnoh\u00ed Slov\u00e1ci sa v\u0161ak vo svojich bankov\u00fdch a poistn\u00fdch produktoch <strong>nevyznaj\u00fa.<\/strong> P<\/span><span style=\"font-weight: 400;\">od\u013ea na\u0161ich sk\u00fasenost\u00ed si \u013eudia v\u00e4\u010d\u0161inou pam\u00e4taj\u00fa, ak\u00fd maj\u00fa <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">\u00farok na hypot\u00e9ke<\/a>, ak\u00fa sumu si posielaj\u00fa na sporenie a \u017ee si platia \u201enejak\u00fa\u201c \u017eivotn\u00fa poistku alebo poistku bytu. <\/span><span style=\"font-weight: 400;\">Ale <strong>podrobn\u00e9 podmienky<\/strong> nepoznaj\u00fa.\u00a0<\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Ani v\u00e1m sa zrejme nechce \u0161tudova\u0165 nieko\u013ekostranov\u00e9 zmluvy s mno\u017estvom pr\u00edloh a hviezdi\u010diek pod \u010diarou. <\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400;\">A keby si ich aj pre\u010d\u00edtali, zrejme nedok\u00e1\u017eete sami vyhodnoti\u0165, \u010di s\u00fa e\u0161te v\u00fdhodn\u00e9 alebo by ste mohli v inej banke alebo pois\u0165ovni z\u00edska\u0165 lep\u0161ie podmienky. Preto sa obr\u00e1\u0165te <strong>na sk\u00fasen\u00e9ho odborn\u00edka.\u00a0<\/strong><\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b> <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">Finan\u010dn\u00fd sprostredkovate\u013e<\/span><\/a><span style=\"font-weight: 400;\"> vie va\u0161e zastaral\u00e9 zmluvy prekontrolova\u0165 komplexne a ke\u010f\u017ee spolupracuje s viacer\u00fdmi bankami a pois\u0165ov\u0148ami, <strong>porovn\u00e1 ich a odporu\u010d\u00ed v\u00e1m<\/strong> najlep\u0161ie rie\u0161enie s oh\u013eadom na va\u0161u aktu\u00e1lnu situ\u00e1ciu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m <strong>do FinGO.sk<\/strong> na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <\/span><b>zanechajte va\u0161e \u00fadaje<\/b><span style=\"font-weight: 400;\"> vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme. Za na\u0161e slu\u017eby ni\u010d neplat\u00edte, pritom s nami dok\u00e1\u017eete u\u0161etri\u0165 a vhodn\u00fdm investovan\u00edm aj zarobi\u0165.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4095#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010eal\u0161ie zdra\u017eovanie potr\u00e1pi pe\u0148a\u017eenky Slov\u00e1kov. Op\u00e4\u0165 si priplat\u00edme za potraviny, rast\u00fa ceny stavebn\u00fdch materi\u00e1lov, energi\u00ed, spotrebi\u010dov, ale aj in\u00fdch tovarov. Ako v tejto situ\u00e1cii u\u0161etri\u0165 a e\u0161te aj zarobi\u0165? Sk\u00faste si s odborn\u00edkom posvieti\u0165 na va\u0161e star\u0161ie finan\u010dn\u00e9 produkty, ktor\u00e9 dlh\u00e9 roky plat\u00edte banke \u010di pois\u0165ovni. Oplat\u00ed sa to.\u00a0 Od vypuknutia pand\u00e9mie sa v\u00fdrazne zv\u00fd\u0161il z\u00e1ujem \u013eud\u00ed o kontrolu svojich finan\u010dn\u00fdch produktov. V\u010faka nej m\u00f4\u017eete v rodinnom rozpo\u010dte u\u0161etri\u0165 desiatky eur mesa\u010dne. V niektor\u00fdch pr\u00edpadoch, najm\u00e4 ak spl\u00e1cate viac \u00faverov, sa \u00faspora \u0161plh\u00e1 aj k stovk\u00e1m eur mesa\u010dne.\u00a0Kontrola star\u0161\u00edch finan\u010dn\u00fdch zml\u00fav sa oplat\u00ed kv\u00f4li \u00faspore, ale aj kvalitnej\u0161\u00edm podmienkam. \u010ci u\u017e spl\u00e1cate hypot\u00e9ku, m\u00e1te uzavret\u00e9 \u017eivotn\u00e9 poistenie, PZP alebo sporenie, po rokoch m\u00f4\u017eu by\u0165 pre v\u00e1s nev\u00fdhodn\u00e9, predra\u017een\u00e9 a niekedy si ich plat\u00edte aj \u00faplne zbyto\u010dne.\u00a0 TIP: No nielen okam\u017eit\u00e1 pe\u0148a\u017en\u00e1 \u00faspora je d\u00f4le\u017eit\u00e1. Ak m\u00e1te napr\u00edklad \u017eivotn\u00e9 poistenie star\u0161ie ako 5 rokov, m\u00f4\u017ee sa pokojne sta\u0165, \u017ee v\u00e1m v pr\u00edpade v\u00e1\u017enej choroby, \u00farazu alebo dlh\u0161ej PN-ky v s\u00fa\u010dasnosti v\u00f4bec nepom\u00f4\u017ee. Pod\u013ea na\u0161ich sk\u00fasenost\u00ed je a\u017e 8 z 10 poistiek neaktu\u00e1lnych a rovnako pribli\u017ene 8 z 10 \u00faverov m\u00e1 zbyto\u010dne vysok\u00e9 \u00faroky. Jednoduchou kontrolou a optimaliz\u00e1ciou zastaral\u00fdch zml\u00fav m\u00f4\u017ee aj va\u0161a rodina vyu\u017ei\u0165 skryt\u00e9 rezervy, stabilizova\u0165 svoje financie a celkovo [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":4096,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73,157],"tags":[96,143,241,161,26,242,147,129,89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 tipov, ako si uprata\u0165 vo financi\u00e1ch. U\u0161etr\u00edte aj zarob\u00edte - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete u\u0161etri\u0165 aj zarobi\u0165? 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Sk\u00faste si s odborn\u00edkom posvieti\u0165 na va\u0161e star\u0161ie finan\u010dn\u00e9 produkty, ktor\u00e9 dlh\u00e9 roky plat\u00edte banke \u010di pois\u0165ovni.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/7-tipov-ako-si-upratat-vo-financiach-usetrite-aj-zarobite\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-14T11:05:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-09T12:59:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/foto_blog.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=\"7 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\/7-tipov-ako-si-upratat-vo-financiach-usetrite-aj-zarobite\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/7-tipov-ako-si-upratat-vo-financiach-usetrite-aj-zarobite\/\"},\"author\":{\"name\":\"Zolt\u00e1n \u010cikes\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6705c3a5bf061adf3e8990d5d51e00c4\"},\"headline\":\"7 tipov, ako si uprata\u0165 vo financi\u00e1ch. 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