[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jameslh.sk\/ako-setrit-tak-aby-ste-to-nepocitili-na-vyplate\/#Article","mainEntityOfPage":"https:\/\/www.jameslh.sk\/ako-setrit-tak-aby-ste-to-nepocitili-na-vyplate\/","headline":"Ako \u0161etri\u0165 tak, aby ste to nepoc\u00edtili na v\u00fdplate?","name":"Ako \u0161etri\u0165 tak, aby ste to nepoc\u00edtili na v\u00fdplate?","description":"Ka\u017ed\u00fd z\u00a0n\u00e1s chce ma\u0165 nejak\u00e9 peniaze bokom, ktor\u00e9 m\u00f4\u017ee vyu\u017ei\u0165 v\u00a0pr\u00edpade n\u00fadze.\u00a0Alebo na b\u00fdvanie. Alebo […]","datePublished":"2019-11-22","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.jameslh.sk\/author\/#Person","name":"","url":"https:\/\/www.jameslh.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e32c915fa5b274a4469e3ef5c1f9837e76577a60613858c5c8a74a3de98e33bc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jameslh.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jameslh.sk\/wp-content\/uploads\/img_a300738_w16596_t1558018922.jpg","url":"https:\/\/www.jameslh.sk\/wp-content\/uploads\/img_a300738_w16596_t1558018922.jpg","height":0,"width":0},"url":"https:\/\/www.jameslh.sk\/ako-setrit-tak-aby-ste-to-nepocitili-na-vyplate\/","wordCount":618,"articleBody":"Ka\u017ed\u00fd z\u00a0n\u00e1s chce ma\u0165 nejak\u00e9 peniaze bokom, ktor\u00e9 m\u00f4\u017ee vyu\u017ei\u0165 v\u00a0pr\u00edpade n\u00fadze.\u00a0Alebo na b\u00fdvanie. Alebo na nov\u00fd bicykel. Alebo len tak pre rados\u0165. Na internete m\u00f4\u017eete n\u00e1js\u0165 mnoho \u010dl\u00e1nkov, ktor\u00e9 obsahuj\u00fa rady ako \u0161etri\u0165. Existuj\u00fa aj r\u00f4zne typy d\u00f4chodkov\u00fdch, investi\u010dn\u00fdch a\u00a0in\u00fdch sporen\u00ed. Mesa\u010dne v\u0161ak vklad\u00e1te nemal\u00e9 sumy, ktor\u00e9 poci\u0165ujete na svojej v\u00fdplate. Ako teda \u0161etri\u0165 tak, aby ste to na svojej v\u00fdplate takmer nepoc\u00edtili?Cel\u00e9 sumy nadol alebo nahorTakmer v\u0161etci u\u017e dnes disponujeme platobnou kartou. V\u00e4\u010d\u0161ina obchodov akceptuje bezkontaktn\u00e9 karty, \u010do n\u00e1m v\u00fdrazne zjednodu\u0161uje n\u00e1kupy. Ka\u017ed\u00e1 minca m\u00e1 v\u0161ak dve strany. Tou nepriaznivou je, \u017ee utr\u00e1came viac. Pre\u010do by som si to nek\u00fapil, ke\u010f to stoj\u00ed iba p\u00e1r eur a\u00a0sta\u010d\u00ed iba prilo\u017ei\u0165 kartu? Niektor\u00e9 banky umo\u017e\u0148uj\u00fa slu\u017ebu, v\u010faka ktorej si m\u00f4\u017eete nastavi\u0165, \u017ee ak plat\u00edte napr. 5,30 eur, suma sa automaticky zaokr\u00fahli nahor a\u00a0na sporiaci \u00fa\u010det V\u00e1m od\u00edde rozdiel, teda 0,70 eur. Ak Va\u0161a banka tak\u00fato slu\u017ebu neposkytuje, m\u00f4\u017eete to sk\u00fasi\u0165 realizova\u0165 aj vo vlastnej r\u00e9\u017eii. V\u017edy ke\u010f budete ma\u0165 na \u00fa\u010dte sumu, ktor\u00e1 obsahuje centy, po\u0161lite si ich na sporiaci \u00fa\u010det. Ak m\u00e1te napr. na \u00fa\u010dte sumu 125,60 eur, po\u0161lite si na sporiaci \u00fa\u010det 0,60 eur. T\u00e1to suma bude pre V\u00e1s prehliadnute\u013en\u00e1 a\u00a0na sporiacom \u00fa\u010dte sa V\u00e1m pomaly bud\u00fa zbiera\u0165 peniaze.Mince do pokladni\u010dkyPodobn\u00fd princ\u00edp odkladania m\u00f4\u017eete vyu\u017ei\u0165 aj pri hotovosti. Ak V\u00e1m zostan\u00fa mince naviac, nenech\u00e1vajte si ich v\u00a0pe\u0148a\u017eenke, lebo ich aj tak miniete. Odlo\u017ete si ich do pokladni\u010dky, z\u00a0ktorej nebudete vybera\u0165 a\u017e do chv\u00edle, k\u00fdm sa nenapln\u00ed. Vtedy peniaze vyberte, vlo\u017ete na sporiaci \u00fa\u010det (k\u013eudne m\u00f4\u017eete mince predt\u00fdm zameni\u0165 za bankovky, aby ste pracovn\u00ed\u010dke v\u00a0banke nesp\u00f4sobili \u0161ok).\u00a0Ne\u010dakan\u00e9 peniaze bokomV\u00a0pr\u00edpade, ak sa V\u00e1m podar\u00ed z\u00edska\u0165 peniaze ako dar\u010dek k\u00a0sviatku alebo odmenu za brig\u00e1du, ktor\u00e1 ale nie je pravideln\u00e1, odlo\u017ete si napr. 50% z\u00a0tejto sumy. S\u00fa to peniaze, s\u00a0ktor\u00fdmi ste nepo\u010d\u00edtali a\u00a0nie s\u00fa pravideln\u00fdm pr\u00edjmom, preto pre V\u00e1s bude \u013eah\u0161ie ich odlo\u017ei\u0165 bokom ako tie, s\u00a0ktor\u00fdmi r\u00e1tate na pravidelnej b\u00e1ze.Nedovo\u013ete si k\u00fapi\u0165 v\u0161etko v\u00a0neobmedzenom mno\u017estveKe\u010f patr\u00edte k\u00a0t\u00fdm, ktor\u00ed maj\u00fa nejak\u00fd zlozvyk alebo z\u00e1vislos\u0165, m\u00f4\u017eete to vyu\u017ei\u0165 vo V\u00e1\u0161 prospech. Ak si napr\u00edklad kupujete ka\u017ed\u00fd t\u00fd\u017ede\u0148 3 krabi\u010dky cigariet, sk\u00faste to obmedzi\u0165 na 2 krabi\u010dky. Peniaze za 3. krabi\u010dku si odlo\u017ete bokom. To plat\u00ed aj pre ostatn\u00e9 z\u00e1vislosti ako pivo, \u010dokol\u00e1da, oble\u010denie a\u00a0nespo\u010detn\u00e9 mno\u017estvo \u010fal\u0161\u00edch.\u00a0Spr\u00e1vne poradieAk si ka\u017ed\u00fd mesiac hovor\u00edte, \u017ee si odlo\u017e\u00edte to \u010do V\u00e1m zostane a\u017e tesne pred v\u00fdplatou, pravdepodobne sa V\u00e1m ani nepodar\u00ed za\u010da\u0165 spori\u0165. Najprv by sme mali zaplati\u0165 v\u0161etky z\u00e1v\u00e4zky (p\u00f4\u017ei\u010dky, n\u00e1jomn\u00e9, poplatky sa slu\u017eby, at\u010f.). Potom si odlo\u017ete vopred stanoven\u00fa mesa\u010dn\u00fa \u010diastku. To, \u010do V\u00e1m zostane je V\u00e1\u0161 mesa\u010dn\u00fd disponibiln\u00fd rozpo\u010det. Ak budete postupova\u0165 v\u00a0tomto porad\u00ed, budete si vedie\u0165 lep\u0161ie rozpl\u00e1nova\u0165, ko\u013eko m\u00f4\u017eete mesa\u010dne min\u00fa\u0165 a\u00a0z\u00e1rove\u0148 budete ma\u0165 vytvoren\u00e9 aj \u00faspory.\u00a0S\u00a0t\u00fdmito tipmi mo\u017eno nenaspor\u00edte mili\u00f3ny, ale nejak predsa treba za\u010da\u0165.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako \u0161etri\u0165 tak, aby ste to nepoc\u00edtili na v\u00fdplate?","item":"https:\/\/www.jameslh.sk\/ako-setrit-tak-aby-ste-to-nepocitili-na-vyplate\/#breadcrumbitem"}]}]