stdClass Object ( [id] => 96222256 [title] => Šetriť peniaze môže byť jednoduchšie, než sa zdá: Tipy, kde by ste mohli ubrať [alias] => setrit-peniaze-moze-byt-jednoduchsie-nez-sa-zda-tipy-kde-by-ste-mohli-ubrat [catid] => 1048 [published] => 1 [introtext] => [fulltext] =>

Určite ste sa nie raz zamysleli: "Kam mi zmizli všetky peniaze?" Šetriť peniaze môže byť jednoduchšie, než sa zdá. Ide najmä o disciplínu a vedomé rozhodovanie. Tu je niekoľko praktických tipov, ako na to.

Posledný bod vás nakopne.

Sledujte svoje výdavky

Píšte si každý výdavok, aj malý. Kávičky či impulzívne nákupy. V telefóne je už na výber množstvo aplikácii, ktoré vám pomôžu mať denne prehľad o svojich financiách. Je to motivačné i rozumné. Presne, ako s kalorickými tabuľkami či naplánovaním fyzickej aktivity. Výdobytky tejto doby sú na to aby nám slúžili.

Nastavte si ciele šetrenia

Napríklad:. „Chcem si nasporiť 1 000 € do konca roka.“ Rozdeľte si cieľ na menšie mesačné kroky. Tak nepocítite, že musíte okamžite usporiť, tak veľký obnos a výrazne sa v životnom štýle obmedzovať.

Šetrite hneď po výplate

Nastavte si trvalé príkazy, niekoľko dní po výplate. Budete vedieť koľko vám odišlo na "nutnosti", či už ste zamestnanec alebo podnikateľ. I podnikatelia majú svoje účty. Čiže to nie je o výške platby, ale úmerne k platu. Napríklad 10 % z výplaty hneď na sporiaci účet.

Ak peniaze „odídu“, nebudete mať pokušenie ich minúť

Nakupujte premyslene. Či už v potravinách alebo obchode s oblečením či iným tovarom, nenechajte sa uchvátiť drobnosťami. Nevybočte zo svojho plánu. Napíšte si zoznam pred nákupom a držte sa ho. Využívajte zľavy, ale iba na to, čo skutočne potrebujete. Vyhnite sa impulzívnym nákupom – nechajte si to „rozležať v hlave“ 24 hodín.

Znížte zbytočné výdavky

Stravovanie vonku, predplatné, ktoré nevyužívate, zbytočné technológie. Raz za čas si spravte inventúru, ako máte nastavené míňanie.

Majte oddelený účet na úspory

Nedržte všetky peniaze na jednom účte. Sporiaci vás odradí od míňania.

Sledujte pokrok. Ten vás motivuje

Každý mesiac si skontrolujte, ako sa vám darí. Upravte si stratégiu podľa reálnej situácie. Nebuďte statická. Ako sa mení situácia môžu sa meniť i výdavky. Treba po niekoľkých mesiacoch skontrolovať drobnosti. 

 

[video] => [gallery] => [extra_fields] => Array ( [0] => stdClass Object ( [id] => 1 [name] => Subtitle [value] =>

Málo peňazí na účte a veľa mesiacov pred výplatou? Šetrenie nemusí byť o drastických obmedzeniach, ale o malých, vedomých krokoch, ktoré dokážu časom priniesť veľký rozdiel. Prinášame vám tipy, ako získať lepší prehľad o financiách, vytvoriť si rezervu a udržať si zdravý vzťah k peniazom – bez toho, aby si sa musel vzdať všetkého, čo máš rád.

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Málo peňazí na účte a veľa mesiacov pred výplatou? Šetrenie nemusí byť o drastických obmedzeniach, ale o malých, vedomých krokoch, ktoré dokážu časom priniesť veľký rozdiel. Prinášame vám tipy, ako získať lepší prehľad o financiách, vytvoriť si rezervu a udržať si zdravý vzťah k peniazom – bez toho, aby si sa musel vzdať všetkého, čo máš rád.

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Všetko dôležité, rady pre ženy, rozhovory, poradňa, diéty, príbehy a emócie z prvej ruky. 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Málo peňazí na účte a veľa mesiacov pred výplatou? Šetrenie nemusí byť o drastických obmedzeniach, ale o malých, vedomých krokoch, ktoré dokážu časom priniesť veľký rozdiel. Prinášame vám tipy, ako získať lepší prehľad o financiách, vytvoriť si rezervu a udržať si zdravý vzťah k peniazom – bez toho, aby si sa musel vzdať všetkého, čo máš rád.

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Každý mesiac si skontrolujte, ako sa vám darí.

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Každý mesiac si skontrolujte, ako sa vám darí.

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Určite ste sa nie raz zamysleli: "Kam mi zmizli všetky peniaze?" Šetriť peniaze môže byť jednoduchšie, než sa zdá. Ide najmä o disciplínu a vedomé rozhodovanie. Tu je niekoľko praktických tipov, ako na to.

Posledný bod vás nakopne.

Sledujte svoje výdavky

Píšte si každý výdavok, aj malý. Kávičky či impulzívne nákupy. V telefóne je už na výber množstvo aplikácii, ktoré vám pomôžu mať denne prehľad o svojich financiách. Je to motivačné i rozumné. Presne, ako s kalorickými tabuľkami či naplánovaním fyzickej aktivity. Výdobytky tejto doby sú na to aby nám slúžili.

Nastavte si ciele šetrenia

Napríklad:. „Chcem si nasporiť 1 000 € do konca roka.“ Rozdeľte si cieľ na menšie mesačné kroky. Tak nepocítite, že musíte okamžite usporiť, tak veľký obnos a výrazne sa v životnom štýle obmedzovať.

Šetrite hneď po výplate

Nastavte si trvalé príkazy, niekoľko dní po výplate. Budete vedieť koľko vám odišlo na "nutnosti", či už ste zamestnanec alebo podnikateľ. I podnikatelia majú svoje účty. Čiže to nie je o výške platby, ale úmerne k platu. Napríklad 10 % z výplaty hneď na sporiaci účet.

Ak peniaze „odídu“, nebudete mať pokušenie ich minúť

Nakupujte premyslene. Či už v potravinách alebo obchode s oblečením či iným tovarom, nenechajte sa uchvátiť drobnosťami. Nevybočte zo svojho plánu. Napíšte si zoznam pred nákupom a držte sa ho. Využívajte zľavy, ale iba na to, čo skutočne potrebujete. Vyhnite sa impulzívnym nákupom – nechajte si to „rozležať v hlave“ 24 hodín.

Znížte zbytočné výdavky

Stravovanie vonku, predplatné, ktoré nevyužívate, zbytočné technológie. Raz za čas si spravte inventúru, ako máte nastavené míňanie.

Majte oddelený účet na úspory

Nedržte všetky peniaze na jednom účte. Sporiaci vás odradí od míňania.

Sledujte pokrok. Ten vás motivuje

Každý mesiac si skontrolujte, ako sa vám darí. Upravte si stratégiu podľa reálnej situácie. Nebuďte statická. Ako sa mení situácia môžu sa meniť i výdavky. Treba po niekoľkých mesiacoch skontrolovať drobnosti. 

 

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dreamstime
dreamstime

Každý mesiac si skontrolujte, ako sa vám darí.
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Málo peňazí na účte a veľa mesiacov pred výplatou? Šetrenie nemusí byť o drastických obmedzeniach, ale o malých, vedomých krokoch, ktoré dokážu časom priniesť veľký rozdiel. Prinášame vám tipy, ako získať lepší prehľad o financiách, vytvoriť si rezervu a udržať si zdravý vzťah k peniazom – bez toho, aby si sa musel vzdať všetkého, čo máš rád.

[type] => textarea [group] => 9 [published] => 1 [ordering] => 1 [alias] => Subtitle ) [3] => stdClass Object ( [id] => 61 [name] => Contains Infographic [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 4 [alias] => contains_infographic ) [4] => stdClass Object ( [id] => 62 [name] => Without ads [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 5 [alias] => Withoutads ) [5] => stdClass Object ( [id] => 63 [name] => Photo gallery [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 6 [alias] => Photo_gallery ) [6] => stdClass Object ( [id] => 64 [name] => Promo [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 7 [alias] => promo ) [8] => stdClass Object ( [id] => 67 [name] => Contains video [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 9 [alias] => contains_video ) [9] => stdClass Object ( [id] => 68 [name] => Premium content [value] => OFF [type] => radio 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=> contains_quiz ) [36] => stdClass Object ( [id] => 101 [name] => Gallery slide/popup [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 38 [alias] => gallery_type ) [37] => stdClass Object ( [id] => 102 [name] => Article as Gallery [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 39 [alias] => article_as_gallery ) [38] => stdClass Object ( [id] => 103 [name] => Interview [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 40 [alias] => Interview ) [39] => stdClass Object ( [id] => 104 [name] => Important article [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 41 [alias] => Important_article ) [43] => stdClass Object ( [id] => 108 [name] => Linkless article [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 45 [alias] => linkless_article ) [44] => stdClass Object ( [id] => 109 [name] => Show modification date [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 46 [alias] => show_modification_date ) [45] => stdClass Object ( [id] => 111 [name] => Untitled article [value] => OFF [type] => radio [group] => 9 [published] => 1 [ordering] => 47 [alias] => untitled_article ) [46] => stdClass Object ( [id] => 112 [name] => Text Characters [value] => 1956 [type] => textfield [group] => 9 [published] => 1 [ordering] => 48 [alias] => text_characters ) )
Každý mesiac si skontrolujte, ako sa vám darí.
Každý mesiac si skontrolujte, ako sa vám darí.dreamstime
StoryEditor

Šetriť peniaze môže byť jednoduchšie, než sa zdá: Tipy, kde by ste mohli ubrať

08.07.2025, 22:00
Životný štýl
Autor:
redakcia EVITA

Málo peňazí na účte a veľa mesiacov pred výplatou? Šetrenie nemusí byť o drastických obmedzeniach, ale o malých, vedomých krokoch, ktoré dokážu časom priniesť veľký rozdiel. Prinášame vám tipy, ako získať lepší prehľad o financiách, vytvoriť si rezervu a udržať si zdravý vzťah k peniazom – bez toho, aby si sa musel vzdať všetkého, čo máš rád.

Určite ste sa nie raz zamysleli: "Kam mi zmizli všetky peniaze?" Šetriť peniaze môže byť jednoduchšie, než sa zdá. Ide najmä o disciplínu a vedomé rozhodovanie. Tu je niekoľko praktických tipov, ako na to.

Posledný bod vás nakopne.

Sledujte svoje výdavky

Píšte si každý výdavok, aj malý. Kávičky či impulzívne nákupy. V telefóne je už na výber množstvo aplikácii, ktoré vám pomôžu mať denne prehľad o svojich financiách. Je to motivačné i rozumné. Presne, ako s kalorickými tabuľkami či naplánovaním fyzickej aktivity. Výdobytky tejto doby sú na to aby nám slúžili.

Nastavte si ciele šetrenia

Napríklad:. „Chcem si nasporiť 1 000 € do konca roka.“ Rozdeľte si cieľ na menšie mesačné kroky. Tak nepocítite, že musíte okamžite usporiť, tak veľký obnos a výrazne sa v životnom štýle obmedzovať.

Šetrite hneď po výplate

Nastavte si trvalé príkazy, niekoľko dní po výplate. Budete vedieť koľko vám odišlo na "nutnosti", či už ste zamestnanec alebo podnikateľ. I podnikatelia majú svoje účty. Čiže to nie je o výške platby, ale úmerne k platu. Napríklad 10 % z výplaty hneď na sporiaci účet.

Ak peniaze „odídu“, nebudete mať pokušenie ich minúť

Nakupujte premyslene. Či už v potravinách alebo obchode s oblečením či iným tovarom, nenechajte sa uchvátiť drobnosťami. Nevybočte zo svojho plánu. Napíšte si zoznam pred nákupom a držte sa ho. Využívajte zľavy, ale iba na to, čo skutočne potrebujete. Vyhnite sa impulzívnym nákupom – nechajte si to „rozležať v hlave“ 24 hodín.

Znížte zbytočné výdavky

Stravovanie vonku, predplatné, ktoré nevyužívate, zbytočné technológie. Raz za čas si spravte inventúru, ako máte nastavené míňanie.

Majte oddelený účet na úspory

Nedržte všetky peniaze na jednom účte. Sporiaci vás odradí od míňania.

Sledujte pokrok. Ten vás motivuje

Každý mesiac si skontrolujte, ako sa vám darí. Upravte si stratégiu podľa reálnej situácie. Nebuďte statická. Ako sa mení situácia môžu sa meniť i výdavky. Treba po niekoľkých mesiacoch skontrolovať drobnosti. 

 

#PENIAZE#ÚSPORY#ŠETRENIE
Elementy ženy: Vyšetrovaľ Matej Snopko

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Každý mesiac si skontrolujte, ako sa vám darí.

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28. január 2026 22:00