[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.baff.sk\/setrenie-kazdodenne\/#Article","mainEntityOfPage":"https:\/\/www.baff.sk\/setrenie-kazdodenne\/","headline":"\u0160etrenie ka\u017edodenn\u00e9","name":"\u0160etrenie ka\u017edodenn\u00e9","description":"Hovor\u00ed sa, \u017ee si dlh\u00fd ako t\u00fd\u017ede\u0148 pred v\u00fdplatou. Posledn\u00fd t\u00fd\u017ede\u0148, kedy \u010dak\u00e1me na v\u00fdplatu […]","datePublished":"2024-03-26","dateModified":"2024-03-26","author":{"@type":"Person","@id":"https:\/\/www.baff.sk\/author\/#Person","name":"","url":"https:\/\/www.baff.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0004469d2196026c4aaacbb56e80b8fe204b91e98e8d884732a12310e081011a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"baff.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.baff.sk\/wp-content\/uploads\/money-496229_1280.jpg","url":"https:\/\/www.baff.sk\/wp-content\/uploads\/money-496229_1280.jpg","height":0,"width":0},"url":"https:\/\/www.baff.sk\/setrenie-kazdodenne\/","about":["Ekonomika"],"wordCount":389,"articleBody":"Hovor\u00ed sa, \u017ee si dlh\u00fd ako t\u00fd\u017ede\u0148 pred v\u00fdplatou. Posledn\u00fd t\u00fd\u017ede\u0148, kedy \u010dak\u00e1me na v\u00fdplatu \u017eije skuto\u010dne mno\u017estvo rod\u00edn skromne. No v \u010dase, ke\u010f v\u00fdplata \u010di in\u00fd pr\u00edjem pr\u00edde, sme schopn\u00ed min\u00fat ho za nieko\u013eko dn\u00ed. Mnoho \u013eud\u00ed nevie hospod\u00e1ri\u0165 so svojimi peniazmi. Preto by sme mali u\u017e na\u0161e deti u\u010di\u0165 finan\u010dnej gramotnosti a nau\u010di\u0165 ich si peniaze \u0161etri\u0165. Ale ako, ke\u010f to sami \u010dastokr\u00e1t nedok\u00e1\u017eeme? V prvom rade by ste si mali v\u017edy zhodnoti\u0165 svoje pr\u00edjmy a v\u00fddavky. Zap\u00ed\u0161te si svoje pr\u00edjmy po\u010das cel\u00e9ho mesiaca a takisto si zap\u00ed\u0161te ka\u017ed\u00fd v\u00fddavok, ktor\u00fd ste v danom mesiaci mali. \u00a0\u00a0Tak zist\u00edte, kde miniete najviac financi\u00ed a kde by sa dalo u\u0161etri\u0165. Najviac mesa\u010dne plat\u00edme za b\u00fdvanie. Sk\u00faste prehodnoti\u0165 svoj n\u00e1jom. Plat\u00edte ve\u013ek\u00e9 peniaze za pren\u00e1jom? Mo\u017eno by ste sa mali poobzera\u0165 po inej mo\u017enosti, kde zaplat\u00edte ove\u013ea menej. Takisto je to aj s hypot\u00e9kami. Moment\u00e1lne m\u00e1me obdobie ve\u013emi vysok\u00fdch \u00farokov\u00fdch sadzieb na hypot\u00e9kach, ale st\u00e1le je mo\u017enos\u0165 refinancovania, kde m\u00f4\u017eete dosta\u0165 ni\u017e\u0161\u00ed \u00farok v inej banke, \u010do v\u00e1m u\u0161etr\u00ed financie. Ve\u013ea \u013eud\u00ed v \u010dase, ke\u010f pr\u00edde v\u00fdplata, minie ve\u013ea pe\u0148az\u00ed v obchode. Na stravu minie mno\u017estvo Slov\u00e1kov ve\u013ek\u00e9 peniaze, ale \u010dastokr\u00e1t ve\u013ea potrav\u00edn vyhadzujeme. \u00a0\u00a0Nau\u010dte sa kupova\u0165 stravu priebe\u017ene. Nakupujte iba potrebn\u00e9 potraviny, ktor\u00e9 v najbli\u017e\u0161\u00edch d\u0148och miniete. Na za\u010diatku t\u00fd\u017ed\u0148a je vhodn\u00e9 urobi\u0165 si zoznam potrav\u00edn, ktor\u00e9 budete potrebova\u0165 na varenie. Vyhnete sa tak situ\u00e1cii, kedy vyhadzujete potraviny po z\u00e1ruke. Na jednej strane ide o plytvanie potrav\u00edn a na druhej strane zbyto\u010dne vyhadzujete peniaze. Peniaze id\u00fa dolu vodou takisto v re\u0161taur\u00e1ci\u00e1ch. Na ob\u010dasn\u00e9 n\u00e1v\u0161tevy re\u0161taur\u00e1cie v\u00f4bec nie s\u00fa zl\u00e9. Niektor\u00ed \u013eudia s\u00fa v\u0161ak leniv\u00ed a\u00a0nav\u0161tevuj\u00fa re\u0161taur\u00e1cie \u010di jedlo objedn\u00e1vaj\u00fa aj v\u00a0\u010dase, kedy by si mohli uvari\u0165 za zlomkov\u00fa cenu sami. \u0160etri\u0165 sa d\u00e1 v\u00a0ka\u017edej sf\u00e9re \u017eivota, sta\u010d\u00ed za\u010da\u0165.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160etrenie ka\u017edodenn\u00e9","item":"https:\/\/www.baff.sk\/setrenie-kazdodenne\/#breadcrumbitem"}]}]