[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.isis.sk\/ako-udrzat-financie-na-uzde\/#Article","mainEntityOfPage":"https:\/\/www.isis.sk\/ako-udrzat-financie-na-uzde\/","headline":"Ako udr\u017ea\u0165 financie na uzde","name":"Ako udr\u017ea\u0165 financie na uzde","description":"Nie v\u0161etko je \u00faplne jednoduch\u00e9 a jasn\u00e9. U pe\u0148az\u00ed to plat\u00ed dvakr\u00e1t. Ka\u017ed\u00fd by sa mal spr\u00e1va\u0165 finan\u010dne zodpovedne a v\u0161etko riadne zva\u017eova\u0165. \u00a0 1)\u00a0\u00a0\u00a0\u00a0\u00a0 Zn\u00ed\u017ete platby za bankov\u00e9 slu\u017eby, t\u00fdm, \u017ee budete spr\u00e1vne plati\u0165 to, \u010do m\u00e1te, budete vhodne a s rozvahou pou\u017e\u00edva\u0165 bankomaty, budete pou\u017e\u00edva\u0165 mobiln\u00fa banku, internetov\u00e9 bankovn\u00edctvo a platobn\u00fa kartu. Niektor\u00e9 […]","datePublished":"2017-04-08","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.isis.sk\/author\/#Person","name":"","url":"https:\/\/www.isis.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bac9badfec1c8ddbfb42cc2a45bdd424bcac2f01b51b95470cbfd0bab9e793fd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"isis.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.isis.sk\/wp-content\/uploads\/img_a280904_w2014_t1496915336.jpg","url":"https:\/\/www.isis.sk\/wp-content\/uploads\/img_a280904_w2014_t1496915336.jpg","height":0,"width":0},"url":"https:\/\/www.isis.sk\/ako-udrzat-financie-na-uzde\/","about":["Peniaze"],"wordCount":481,"articleBody":"Nie v\u0161etko je \u00faplne jednoduch\u00e9 a jasn\u00e9. U pe\u0148az\u00ed to plat\u00ed dvakr\u00e1t. Ka\u017ed\u00fd by sa mal spr\u00e1va\u0165 finan\u010dne zodpovedne a v\u0161etko riadne zva\u017eova\u0165.\u00a01)\u00a0\u00a0\u00a0\u00a0\u00a0 Zn\u00ed\u017ete platby za bankov\u00e9 slu\u017eby, t\u00fdm, \u017ee budete spr\u00e1vne plati\u0165 to, \u010do m\u00e1te, budete vhodne a s rozvahou pou\u017e\u00edva\u0165 bankomaty, budete pou\u017e\u00edva\u0165 mobiln\u00fa banku, internetov\u00e9 bankovn\u00edctvo a platobn\u00fa kartu. Niektor\u00e9 oper\u00e1cie s\u00fa zdarma, in\u00e9 za poplatok. Spr\u00e1vne si napl\u00e1nujte v\u00fdbery v hotovosti a \u00fa\u010del vyu\u017eitia vybran\u00fdch pe\u0148az\u00ed. Bezhotovostn\u00e9 platenie ako platobn\u00fdm pr\u00edkazom tak pe\u0148a\u017enou kartou, b\u00fdva lacnej\u0161ie. Ak si banku e\u0161te len vyber\u00e1te, zv\u00e1\u017ete v\u0161etky tieto mo\u017enosti s prihliadnut\u00edm a s kalkul\u00e1ciou toho, \u010do budete od banky najviac potrebova\u0165 a vyu\u017e\u00edva\u0165, s prihliadnut\u00edm na pr\u00edpadn\u00e9 poplatky. Na z\u00e1klade takejto invent\u00fary Va\u0161ich potrieb je potom \u013eah\u0161ie n\u00e1js\u0165 \u00fa\u010det, ktor\u00fd sp\u013a\u0148a Va\u0161e potreby, nen\u00fati V\u00e1m ni\u010d navy\u0161e a je za priazniv\u00fa cenu.\u00a02)\u00a0\u00a0\u00a0\u00a0\u00a0 \u010eal\u0161ou ve\u013emi d\u00f4le\u017eitou podmienkou, ako udr\u017ea\u0165 svoje financie na uzde, je kontrola platieb za energie. Str\u00e1\u017ete si, ko\u013eko plat\u00edte za elektrinu, teplo, plyn, vodu, alebo aj za mobiln\u00fdch oper\u00e1torov, \u010di in\u00e9ho poskytovate\u013ea ostatn\u00fdch slu\u017eieb. Odpor\u00fa\u010dame zavola\u0165 existuj\u00facim dod\u00e1vate\u013eom slu\u017eieb s po\u017eiadavkou, \u017ee m\u00e1te v \u00famysle od nich od\u00eds\u0165. Dod\u00e1vatelia maj\u00fa pripraven\u00fa takzvan\u00fa \u0161peci\u00e1lnu ponuku a slu\u017eby V\u00e1m s\u00fa schopn\u00ed a ochotn\u00ed zlacni\u0165, len preto, aby si V\u00e1s udr\u017eali. Ak sa t\u00fdm budete dr\u017ea\u0165 a aj na\u010falej budete ma\u0165 preh\u013ead, \u010do kde a komu plat\u00edte, ur\u010dite nejak\u00e9 peniaze u\u0161etr\u00edte.\u00a03)\u00a0\u00a0\u00a0\u00a0\u00a0 Ak si chcete po\u017ei\u010diava\u0165, prem\u00fd\u0161\u013eajte pri tom. Ke\u010f u\u017e spl\u00e1cate napr\u00edklad p\u00f4\u017ei\u010dku na nov\u00fd rodinn\u00fd dom a potrebujete si e\u0161te po\u017ei\u010da\u0165 na auto, p\u00f4\u017ei\u010dky konsolidujte. Zl\u00fa\u010den\u00edm p\u00f4\u017ei\u010diek navy\u0161e u\u0161etr\u00edte a budete spl\u00e1ca\u0165 iba jednu a e\u0161te v\u00fdhodnej\u0161ie.\u00a04)\u00a0\u00a0\u00a0\u00a0\u00a0 Medzi \u010fal\u0161ie finan\u010dne zodpovedn\u00e9 spr\u00e1vanie patr\u00ed vytvori\u0165 si ur\u010dit\u00fa pe\u0148a\u017en\u00fa rezervu. Rezervu m\u00f4\u017eete vytv\u00e1ra\u0165 dlhodobo po mal\u00fdch \u010diastkach a mala by sl\u00fa\u017ei\u0165 na preklenutie v\u00fdpadku pr\u00edjmov minim\u00e1lne na pol roka. K rezerve by ste mali ma\u0165 okam\u017eit\u00fd pr\u00edstup.\u00a05)\u00a0\u00a0\u00a0\u00a0\u00a0 Pre t\u00fdch, ktor\u00ed prem\u00fd\u0161\u013eaj\u00fa e\u0161te \u010falej a maj\u00fa ist\u00e9 finan\u010dn\u00e9 prostriedky, sa odpor\u00fa\u010da poistenie, b\u00fdvanie vo vlastnom dome a v neposlednom rade zabezpe\u010di\u0165 de\u0165om vzdelanie, bezstarostn\u00fd d\u00f4chodok v podobe doplnkov\u00e9ho d\u00f4chodkov\u00e9ho poistenia a t\u00fdm, komu e\u0161te peniaze zostan\u00fa, investova\u0165 do podielov\u00fdch fondov, akci\u00ed alebo dlhopisov.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako udr\u017ea\u0165 financie na uzde","item":"https:\/\/www.isis.sk\/ako-udrzat-financie-na-uzde\/#breadcrumbitem"}]}]