{"id":649,"date":"2020-01-10T10:43:30","date_gmt":"2020-01-10T09:43:30","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=649"},"modified":"2023-05-30T13:08:55","modified_gmt":"2023-05-30T11:08:55","slug":"ako-usetrit-a-dostat-rodinny-rozpocet-pod-kontrolu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-usetrit-a-dostat-rodinny-rozpocet-pod-kontrolu\/","title":{"rendered":"Rodinn\u00fd rozpo\u010det &#8211; ako u\u0161etri\u0165 a dosta\u0165 ho pod kontrolu"},"content":{"rendered":"<p><b>Nov\u00fd rok je ide\u00e1lne obdobie na nov\u00fd za\u010diatok. Niekto t\u00fa\u017ei po \u0161t\u00edhlej postave a zdrav\u0161om tele, in\u00fd sa chce zbavi\u0165 star\u00fdch zlozvykov a niekto t\u00fa\u017ei po finan\u010dnej slobode. Ako ju v\u0161ak dosiahnu\u0165? Rie\u0161enie m\u00f4\u017ee by\u0165 jednoduch\u0161ie ako sa na prv\u00fd poh\u013ead zd\u00e1. Aj mal\u00fdmi krokmi m\u00f4\u017eete postupne dosiahnu\u0165 ve\u013ek\u00fa zmenu. <a href=\"https:\/\/www.fingo.sk\/\" target=\"_blank\" rel=\"noopener\">FinGO.sk<\/a> v\u00e1m porad\u00ed, ako na to. \u00a0\u00a0\u00a0<\/b><\/p>\n<h2><span style=\"color: #ec8124;\">1. Urobte si preh\u013ead<\/span><\/h2>\n<p>V prvom rade si urobte <strong><a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoje-zmluvy-pod-kontrolou\/\">poriadok<\/a> v rodinn\u00fdch financi\u00e1ch<\/strong> a zistite s\u00fa\u010dasn\u00fd stav.<\/p>\n<ul>\n<li><strong>Sp\u00ed\u0161te si svoje v\u00fddavky<\/strong> a rozde\u013ete ich na <strong>fixn\u00e9<\/strong> (ktor\u00e9 mus\u00edte plati\u0165 ka\u017ed\u00fd mesiac &#8211; napr. n\u00e1klady na b\u00fdvanie, energie, spl\u00e1tka hypot\u00e9ky, poistenie, sporenie, strava, tankovanie a pod.) a <strong>variabiln\u00e9<\/strong>, ktor\u00e9 nevyhnutne nepotrebujete &#8211; napr. z\u00e1\u013euby, kult\u00farne podujatia, v\u00fdlety, hra\u010dky a pod.<\/li>\n<li>Mo\u017enost\u00ed ako si urobi\u0165 preh\u013ead vo v\u00fddavkoch, je viacero. Dnes u\u017e v\u00e4\u010d\u0161ina \u013eud\u00ed plat\u00ed v\u0161etko platobnou kartou, \u010di\u017ee si <strong>z v\u00fdpisu \u00fa\u010dtu odsledujte<\/strong>, kam odch\u00e1dzali va\u0161e platby a ko\u013eko ste platili v potravin\u00e1ch, v drog\u00e9rii \u010di za n\u00e1kupy oble\u010denia cez e-shop.<\/li>\n<li>Existuj\u00fa aj <strong>r\u00f4zne aplik\u00e1cie<\/strong>, kde si m\u00f4\u017eete zaznamen\u00e1va\u0165 v\u00fddavky a n\u00e1sledne ich preh\u013eadne kontrolova\u0165.<\/li>\n<li>Sta\u010d\u00ed, ak si v\u00fddavky odsledujete <strong>za jedno mesa\u010dn\u00e9 obdobie<\/strong>, ke\u010f\u017ee v\u00e4\u010d\u0161ina pravideln\u00fdch platieb a v\u00fddavkov sa z mesiaca na mesiac v\u00fdrazne nemen\u00ed.<\/li>\n<li>\u010casto sa st\u00e1va, \u017ee pri kontrole v\u00fddavkov sa objavia platby aj za <strong>polo\u017eky a slu\u017eby, ktor\u00e9 \u010dlovek v\u00f4bec nevyu\u017e\u00edva<\/strong>, \u010di u\u017e ide o s\u00fakromn\u00e9 v\u00fddavky ako napr. \u010dlenstvo vo fitness klube, m\u00f4\u017ee to by\u0165 drah\u0161\u00ed bal\u00edk be\u017en\u00e9ho \u00fa\u010dtu alebo cestovn\u00e9 poistenie, za ktor\u00e9 sa automaticky stiahne poplatok z \u00fa\u010dtu a \u010dlovek ani nevie, \u017ee tak\u00fd produkt v\u00f4bec m\u00e1.<\/li>\n<li>Preto je ve\u013emi d\u00f4le\u017eit\u00fdm krokom aj prehodnotenie<strong> v\u00fdhodnosti finan\u010dn\u00fdch produktov<\/strong>, ako s\u00fa spotrebn\u00e9 \u00favery, hypot\u00e9ka alebo poistky. Je potrebn\u00e9 zisti\u0165, \u010di rovnak\u00e9 podmienky nie je mo\u017en\u00e9 z\u00edska\u0165 v inej banke alebo pois\u0165ovni v\u00fdhodnej\u0161ie.<\/li>\n<li>Rozl\u00ed\u0161i\u0165 v\u00fdhodn\u00e9 a nev\u00fdhodn\u00e9 produkty v\u0161ak pre be\u017en\u00e9ho \u010dloveka nemus\u00ed by\u0165 v\u00f4bec jednoduch\u00e9, s t\u00fdmto v\u00e1m pom\u00f4\u017ee <strong>sk\u00fasen\u00fd <a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\">finan\u010dn\u00fd sprostredkovate\u013e.<\/a><\/strong><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>2. Ka\u017ed\u00e9 euro sa po\u010d\u00edta<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><strong>Be\u017en\u00fd \u00fa\u010det<\/strong> je asi najbe\u017enej\u0161\u00ed bankov\u00fd produkt, ktor\u00fd vyu\u017e\u00edva v\u00e4\u010d\u0161ina z n\u00e1s. Napriek tomu len m\u00e1lokto pravidelne sleduje poplatky spojen\u00e9 s jeho pou\u017e\u00edvan\u00edm. A hoci s\u00fa na trhu be\u017ene dostupn\u00e9 aj \u00fa\u010dty bez poplatkov, <strong>\u017eiadny bankov\u00fd \u00fa\u010det nie je \u00faplne zadarmo. <\/strong><\/span><\/p>\n<ul>\n<li>V\u00e4\u010d\u0161inou mus\u00edte <strong>splni\u0165 ur\u010dit\u00e9 podmienky<\/strong> ako napr\u00edklad minim\u00e1lny kreditn\u00fd obrat na \u00fa\u010dte alebo ur\u010dit\u00fd po\u010det pravideln\u00fdch platieb cez internetbanking, \u010di akt\u00edvne vyu\u017e\u00edvanie platobnej karty.<\/li>\n<li>Pri nesplnen\u00ed podmienok alebo pri niektor\u00fdch \u010fal\u0161\u00edch oper\u00e1ci\u00e1ch mimo predplaten\u00e9ho bal\u00edka slu\u017eieb <strong>zaplat\u00edte banke nemal\u00e9 poplatky.<\/strong><\/li>\n<li>Pozrite sa preto sp\u00e4tne na to, ko\u013eko a za \u010do vlastne banke plat\u00edte, kde m\u00f4\u017eete u\u0161etri\u0165 a <strong>pla\u0165te iba za tie slu\u017eby<\/strong>, ktor\u00e9 skuto\u010dne vyu\u017e\u00edvate.<\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter wp-image-2330\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty.jpg\" alt=\"hypot\u00e9ka\" width=\"500\" height=\"334\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty.jpg 1730w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-768x513.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-1024x684.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-1080x721.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>3. Ovl\u00e1dnite svoju hypot\u00e9ku<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te hypot\u00e9ku, ktor\u00fa ste si vzali pred nieko\u013ek\u00fdmi rokmi, s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou plat\u00edte vy\u0161\u0161ie \u00faroky ako je dnes \u0161tandard na trhu. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Nebojte sa po\u017eiada\u0165 vo svojej banke o <strong>prehodnotenie \u00farokovej sadzby<\/strong> a ak v\u00e1m nevyhovie, <strong><a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky\/\">refinancujte \u00faver<\/a> <\/strong>do inej banky za v\u00fdhodnej\u0161\u00edch podmienok.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Klienti sa dnes be\u017ene mylne domnievaj\u00fa, \u017ee refinancova\u0165 svoju hypot\u00e9ku m\u00f4\u017eu iba ku v\u00fdro\u010diu <\/span><a href=\"https:\/\/www.fingopedia.sk\/co-je-fixacia-hypoteky\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">fix\u00e1cie<\/span><\/a><span style=\"font-weight: 400;\">. Nie je to pravda. Svoju hypot\u00e9ku<strong>\u00a0m\u00f4\u017eete refinancova\u0165 prakticky kedyko\u013evek.<\/strong><\/span><\/li>\n<li><span style=\"font-weight: 400;\">Pri refinancovan\u00ed hypot\u00e9ky m\u00f4\u017eete u\u0161etri\u0165 desiatky eur mesa\u010dne. Napr\u00edklad, ak m\u00e1 dnes klient hypot\u00e9ku vo v\u00fd\u0161ke 80 000 eur na 25 rokov, pri \u00farokovej sadzbe 2,2 % je jeho mesa\u010dn\u00e1 spl\u00e1tka 346 eur. Zn\u00ed\u017een\u00edm \u00farokovej sadzby o 1 % <strong>u\u0161etr\u00ed mesa\u010dne 38 eur.<\/strong> <\/span><span style=\"font-weight: 400;\">Jeho celkov\u00e1 \u00faspora bude u\u017e pri 3-ro\u010dnej fix\u00e1cii \u00faveru omnoho vy\u0161\u0161ia ako pr\u00edpadn\u00fd poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Niektor\u00e9 banky dokonca prepl\u00e1caj\u00fa poplatok za pred\u010dasn\u00e9 splatenie hypot\u00e9ky v banke, z ktorej klient odch\u00e1dza, tak\u017ee \u00faspora je e\u0161te v\u00e4\u010d\u0161ia.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Viac o tom, \u010di a kedy sa v\u00e1m refinancovanie hypot\u00e9ky oplat\u00ed, si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj v na\u0161om\u00a0<\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-vam-refinancovanie-uveru\/\" target=\"_blank\" rel=\"noopener\">predch\u00e1dzaj\u00facom \u010dl\u00e1nku.<\/a><\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>4. Zbavte sa nev\u00fdhodn\u00fdch p\u00f4\u017ei\u010diek<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te nev\u00fdhodn\u00e9 spotrebn\u00e9 \u00favery, p\u00f4\u017ei\u010dky alebo leasing a m\u00e1te nehnute\u013enos\u0165, ktor\u00fa m\u00f4\u017eete zalo\u017ei\u0165, pouva\u017eujte nad <strong>konsolid\u00e1ciou \u00faverov.\u00a0<\/strong><\/span><span style=\"font-weight: 400;\">Ide o zl\u00fa\u010denie dvoch alebo viacer\u00fdch \u00faverov do jedn\u00e9ho s cie\u013eom zn\u00ed\u017ei\u0165 si mesa\u010dn\u00fa spl\u00e1tku a t\u00fdm u\u0161etri\u0165. <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Ak m\u00e1te viacero \u00faverov<\/strong>, ktor\u00e9 nedok\u00e1\u017ee spl\u00e1ca\u0165 a m\u00e1te nehnute\u013enos\u0165, ktor\u00fa m\u00f4\u017ee zalo\u017ei\u0165, m\u00f4\u017eete si vzia\u0165 hypot\u00e9ku a pou\u017ei\u0165 ju na vyplatenie nev\u00fdhodn\u00fdch \u00faverov. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tak\u00fdmto sp\u00f4sobom si m\u00f4\u017eete <strong>zn\u00ed\u017ei\u0165 svoje mesa\u010dn\u00e9 spl\u00e1tky pokojne aj o polovicu. <\/strong><\/span><\/li>\n<li><span style=\"font-weight: 400;\">T\u00fdm, \u017ee budete spl\u00e1ca\u0165 iba jeden \u00faver, si nielen zn\u00ed\u017eite mesa\u010dn\u00fa spl\u00e1tku a t\u00fdm u\u0161etr\u00edte, ale navy\u0161e si aj v\u00fdrazne <strong>spreh\u013eadn\u00edte <\/strong>rodinn\u00fd rozpo\u010det a <strong>zjednodu\u0161\u00edte<\/strong> pl\u00e1novanie v\u00fddavkov.<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>5. Vytvorte si \u017eelezn\u00fa rezervu<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Neo\u010dak\u00e1van\u00e9 v\u00fddavky m\u00f4\u017eu poriadne rozkol\u00edsa\u0165 v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Preto je d\u00f4le\u017eit\u00e9 naspori\u0165 si <strong>rezervu<\/strong>, ktor\u00fa budete ma\u0165 <strong>v\u017edy k dispoz\u00edcii.<\/strong> <\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Bez oh\u013eadu na to, \u010di aktu\u00e1lne spl\u00e1cate alebo nespl\u00e1cate nejak\u00fd \u00faver, ur\u010dite <strong>odpor\u00fa\u010dame rezervu aspo\u0148 do v\u00fd\u0161ky troch, ide\u00e1lne \u0161iestich mesa\u010dn\u00fdch platov.<\/strong> <\/span><\/li>\n<li><span style=\"font-weight: 400;\">V pr\u00edpade nepredv\u00eddan\u00fdch okolnost\u00ed, neo\u010dak\u00e1van\u00fdch \u00a0v\u00fddavkov, v\u00fdpadku pr\u00edjmu z d\u00f4vodu straty zamestnania \u010di dlhodobej pr\u00e1ceneschopnosti budete aj <strong>na\u010falej schopn\u00fd zabezpe\u010di\u0165<\/strong> si svoje \u017eivobytie a spl\u00e1ca\u0165 svoje z\u00e1v\u00e4zky.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> N\u00e1vod, ako si vytvori\u0165 finan\u010dn\u00fa rezervu, n\u00e1jdete aj <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\"><strong>v na\u0161om \u010dl\u00e1nku.\u00a0<\/strong><\/a><\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-2418\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2.jpg\" alt=\"ako u\u0161etri\u0165\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/07\/refinancovanie2-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h2><span style=\"color: #ec8124;\"><b>6. Za\u010dnite \u0161etri\u0165<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Aj mal\u00e1 \u010diastka sa po\u010d\u00edta.\u00a0Pokojne to m\u00f4\u017ee by\u0165 iba p\u00e1r desiatok eur, ktor\u00e9 ste dodr\u017ean\u00edm predch\u00e1dzaj\u00facich krokov u\u0161etrili. D\u00f4le\u017eitej\u0161ie ako to, ko\u013eko si odklad\u00e1te je to,\u00a0<\/span><span style=\"font-weight: 400;\">aby ste to robili <strong>pravidelne. <\/strong><\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Pri pravidelnom sporen\u00ed si <strong>aj z malej \u010diastky\u00a0<\/strong><\/span><span style=\"font-weight: 400;\">za nieko\u013eko rokov vybudujete zauj\u00edmav\u00fa finan\u010dn\u00fa rezervu.\u00a0<\/span><span style=\"font-weight: 400;\">Ale pozor. Nie je jedno, kam si takto usporen\u00e9 prostriedky odklad\u00e1te. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Svoje \u00faspory si <strong>nenech\u00e1vajte na be\u017enom \u00fa\u010dte.\u00a0<\/strong><\/span><span style=\"font-weight: 400;\">Dokonca ani sporiace \u010di term\u00ednovan\u00e9 \u00fa\u010dty be\u017ene dostupn\u00e9 na trhu v\u00e1m nemusia vyrovna\u0165 straty sp\u00f4soben\u00e9 vplyvom infl\u00e1cie a tak v kone\u010dnom d\u00f4sledku hodnota va\u0161ich \u00faspor klesne. <\/span><\/li>\n<li><span style=\"font-weight: 400;\">Tak\u00fdmto strat\u00e1m v\u0161ak m\u00f4\u017eete \u00a0pred\u00eds\u0165 vo\u013ebou vhodn\u00fdch <a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noopener\">investi\u010dn\u00fdch produktov<\/a>.\u00a0<\/span>Najbe\u017enej\u0161ie a pre be\u017en\u00e9ho klienta najdostupnej\u0161ie je investovanie<strong> do podielov\u00fdch fondov, <\/strong>ale\u00a0<span style=\"font-weight: 400;\">investova\u0165 u\u017e od 25 eur mesa\u010dne je mo\u017en\u00e9<strong> aj do <a href=\"https:\/\/www.fingo.sk\/blog\/investujte-do-zlata\/\" target=\"_blank\" rel=\"noopener\">zlata<\/a>\u00a0<\/strong>\u010di in\u00fdch produktov.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Nenech\u00e1vajte svoje \u00faspory bez pov\u0161imnutia a nechajte ich zar\u00e1ba\u0165. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak s investovan\u00edm iba za\u010d\u00ednate, nev\u00e1hajte sa obr\u00e1ti\u0165 na na\u0161ich <span style=\"color: #ec8124;\"><strong>FinGO.sk finan\u010dn\u00fdch sprostredkovate\u013eov<\/strong><\/span>, ktor\u00ed v\u00e1m radi pom\u00f4\u017eu, ako za\u010da\u0165.\u00a0<\/span><\/p>\n\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\/649#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\n<h2><span style=\"color: #ec8124;\"><b>7. M\u00ed\u0148ajte s rozumom<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hoci to m\u00f4\u017ee znie\u0165 ve\u013emi jednoducho, u\u017e <strong>pri nakupovan\u00ed dok\u00e1\u017eete u\u0161etri\u0165.<\/strong>\u00a0D\u00e1 sa to. Sta\u010d\u00ed nakupova\u0165 \u201cs rozumom\u201d a nem\u00ed\u0148a\u0165 na zbyto\u010dnosti.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Z\u00e1kladom je pl\u00e1novanie. <\/b><span style=\"font-weight: 400;\">Ide\u00e1lne je, ak si e\u0161te pred odchodom na n\u00e1kup, alebo pred online n\u00e1kupom potrav\u00edn premysl\u00edte, \u010do budete po\u010das t\u00fd\u017ed\u0148a vari\u0165, ak\u00e9 nevyhnutn\u00e9 lieky potrebujete z lek\u00e1rne alebo ak\u00e9 pr\u00edpravky z drog\u00e9rie v\u00e1m ch\u00fdbaj\u00fa.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V\u00fdhodnej\u0161ie m\u00f4\u017ee by\u0165 nakupovanie\u00a0<\/span><b>v\u00e4\u010d\u0161\u00edch balen\u00ed\u00a0<\/b><span style=\"font-weight: 400;\">trvanliv\u00fdch potrav\u00edn alebo hygienick\u00fdch potrieb, ktor\u00e9 v\u00e1s po prer\u00e1tan\u00ed na kusy vyjdu lacnej\u0161ie. Samozrejme, ak ich m\u00e1te kde skladova\u0165.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Chce to aj disciplinu.<\/b><span style=\"font-weight: 400;\"> Ak v obchode uvid\u00edte tovar v akcii, dobre si premyslite, \u010di ho naozaj potrebujete, alebo ide len o potrebu k\u00fapi\u0165, \u010do je pr\u00e1ve lacn\u00e9.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\">Dobre <b>zv\u00e1\u017ete n\u00e1kupy v e-shopoch<\/b>, \u010di u\u017e ide o oble\u010denie, elektroniku, hra\u010dky a podobne. Surfovanie po internete, sez\u00f3nne z\u013eavy a akcie vo v\u00fdpredajoch n\u00e1s \u010dasto l\u00e1kaj\u00fa aj k nakupovaniu vec\u00ed, ktor\u00e9 v\u00f4bec nepotrebujeme.<\/li>\n<\/ul>\n<p><strong>Nem\u00ed\u0148ajte zbyto\u010dne<\/strong> a rad\u0161ej sa te\u0161te z toho, ke\u010f sa v\u00e1m podar\u00ed v niektorom mesiaci u\u0161etri\u0165 viac pe\u0148az\u00ed, ktor\u00e9 si m\u00f4\u017eete odlo\u017ei\u0165 napr\u00edklad na vytv\u00e1ranie finan\u010dnej rezervy. <strong>Dr\u017e\u00edme v\u00e1m palce!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nov\u00fd rok je ide\u00e1lne obdobie na nov\u00fd za\u010diatok. Niekto t\u00fa\u017ei po zdrav\u0161om a chud\u0161om tele, niekto po tom, aby sa zbavil star\u00fdch zlozvykov a niekto po finan\u010dnej slobode. Ako ju v\u0161ak dosiahnu\u0165? Rie\u0161enie m\u00f4\u017ee by\u0165 jednoduch\u0161ie ako sa na prv\u00fd poh\u013ead zd\u00e1. Aj mal\u00fdmi krokmi m\u00f4\u017eete postupne dosiahnu\u0165 ve\u013ek\u00fa zmenu. Odborn\u00edci FinGO.sk v\u00e1m poradia, ako na to. \u00a0<\/p>\n","protected":false},"author":26,"featured_media":2462,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[47,104,48,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rodinn\u00fd rozpo\u010det - ako u\u0161etri\u0165 a dosta\u0165 ho pod kontrolu - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete kone\u010dne dosiahnu\u0165 finan\u010dn\u00fa slobodu? T\u00fa\u017eite dosta\u0165 v\u00e1\u0161 rodinn\u00fd rozpo\u010det pod kontrolu? 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