[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hkt.sk\/ako-usetrit-pomocou-domaceho-rozpoctu\/#Article","mainEntityOfPage":"https:\/\/www.hkt.sk\/ako-usetrit-pomocou-domaceho-rozpoctu\/","headline":"Ako u\u0161etri\u0165 pomocou dom\u00e1ceho rozpo\u010dtu","name":"Ako u\u0161etri\u0165 pomocou dom\u00e1ceho rozpo\u010dtu","description":"E\u0161te pred t\u00fdm, ne\u017e si za\u010dnete vytv\u00e1ra\u0165 preh\u013ead o\u00a0v\u0161etk\u00fdch financi\u00e1ch, odpor\u00fa\u010dame v\u00e1m vytvori\u0165 si \u0161abl\u00f3nu v zo\u0161ite alebo excelovsk\u00fa tabu\u013eku, ktor\u00e1 v\u00e1m bude vyhovova\u0165. Tak\u00e1to \u0161abl\u00f3na v\u00e1m u\u0161etr\u00ed nie len<span class=\"more-button\"><a href=\"https:\/\/www.hkt.sk\/ako-usetrit-pomocou-domaceho-rozpoctu\/\" class=\"more-link\">Pre\u010d\u00edta\u0165<span class=\"screen-reader-text\">Ako u\u0161etri\u0165 pomocou dom\u00e1ceho rozpo\u010dtu<\/span><\/a><\/span>","datePublished":"2018-11-18","dateModified":"2018-11-18","author":{"@type":"Person","@id":"https:\/\/www.hkt.sk\/author\/#Person","name":"","url":"https:\/\/www.hkt.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hkt.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hkt.sk\/wp-content\/uploads\/img_a295827_w16681_t1547827546.jpg","url":"https:\/\/www.hkt.sk\/wp-content\/uploads\/img_a295827_w16681_t1547827546.jpg","height":0,"width":0},"url":"https:\/\/www.hkt.sk\/ako-usetrit-pomocou-domaceho-rozpoctu\/","wordCount":374,"articleBody":"\tE\u0161te pred t\u00fdm, ne\u017e si za\u010dnete vytv\u00e1ra\u0165 preh\u013ead o\u00a0v\u0161etk\u00fdch financi\u00e1ch, odpor\u00fa\u010dame v\u00e1m vytvori\u0165 si \u0161abl\u00f3nu v zo\u0161ite alebo excelovsk\u00fa tabu\u013eku, ktor\u00e1 v\u00e1m bude vyhovova\u0165. Tak\u00e1to \u0161abl\u00f3na v\u00e1m u\u0161etr\u00ed nie len \u010das, ale budete v\u010faka nej m\u00f4c\u0165 uvedomi\u0165, kam doteraz utekali va\u0161e \u0165a\u017eko zaroben\u00e9 eur\u00e1.\t\tKrok 1.Svoj osobn\u00fd rozpo\u010det za\u010dnite t\u00fdmto krokom. Je potrebn\u00e9 zahrn\u00fa\u0165 v\u0161etky peniaze, ktor\u00e9 v\u00a0ten dan\u00fd mesiac dostanete. Nevynechajte ani jeden cent \u2013 \u010di u\u017e je to v\u00fdplata zo zamestnania, brig\u00e1dy, peniaze od star\u00fdch rodi\u010dov alebo pr\u00edjem z\u00a0pren\u00e1jmu bytu. Toto v\u0161etko s\u00fa plusov\u00e9 polo\u017eky vo va\u0161om rozpo\u010dte. Pokia\u013e m\u00e1te pr\u00edjem sk\u00f4r nepravideln\u00fd, tak ako odrazov\u00fd most\u00edk pou\u017eite priemer pr\u00edjmov za posledn\u00fdch p\u00e1r mesiacov.Pr\u00edklad:\t\tmzda : 600 \u20ac\t\tbrig\u00e1da: 100 \u20ac\t\tpr\u00edjem z\u00a0pren\u00e1jmu: 250 \u20ac\tKrok 2.V\u00a0tejto f\u00e1ze je potrebn\u00e9, aby v\u00e1\u0161 osobn\u00fd rozpo\u010det obsahoval zoznam v\u0161etk\u00fdch pravideln\u00fdch mesa\u010dn\u00fdch v\u00fddajov. Za\u010dnite tak\u00fdmi, ktor\u00e9 mus\u00edte bez debaty vyplati\u0165, nech sa deje \u010do chce. Patr\u00ed sem napr\u00edklad n\u00e1jom, hypot\u00e9ka, plyn, elektrina,&#8230; Nesk\u00f4r pridajte ostatn\u00e9 v\u00fddaje, ako z\u00e1bava, pau\u0161\u00e1l za telef\u00f3n, kino a\u00a0in\u00e9.Pr\u00edklad:\t\tN\u00e1jom: 350 \u20ac\t\tJedlo: 300 \u20ac\t\tTelef\u00f3n: 30 \u20ac\tKrok 3.Zap\u00ed\u0161te si, ak\u00e9 m\u00e1te finan\u010dn\u00e9 ciele. Je jedno, \u010di ide o\u00a0finan\u010dn\u00fa rezervu, dovolenku alebo si pl\u00e1nujete pred\u010dasne splati\u0165 hypot\u00e9ku. Vych\u00e1dzajte z\u00a0toho, \u010do je pre v\u00e1s d\u00f4le\u017eit\u00e9. Tieto peniaze si d\u00e1vajte bokom, aby ste sa vyhli tomu, \u017ee ich miniete.Pr\u00edklad:\t\trezerva na 3 mesiace: 50 \u20ac\t\tpred\u010dasn\u00e9 splatenie \u00faveru: 30 \u20ac\tKrok 4.Od\u010d\u00edtajte va\u0161e zap\u00edsan\u00e9 v\u00fddaje od pr\u00edjmov. Pokia\u013e je v\u00fdsledok kladn\u00fd, tak zar\u00e1bate viac, ako ste schopn\u00ed min\u00fa\u0165 a\u00a0preto sa m\u00f4\u017eete pr\u00edle\u017eitostne pote\u0161i\u0165 nejakou odmenou. Pokia\u013e je v\u00fdsledok nula, tak m\u00e1te presne to\u013eko pe\u0148az\u00ed, ko\u013eko potrebujete. Pokia\u013e je v\u0161ak v\u00fdsledn\u00e9 \u010d\u00edslo z\u00e1porn\u00e9, budete musie\u0165 prehodnoti\u0165 svoje v\u00fddaje alebo zv\u00fd\u0161i\u0165 svoje pr\u00edjmy.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako u\u0161etri\u0165 pomocou dom\u00e1ceho rozpo\u010dtu","item":"https:\/\/www.hkt.sk\/ako-usetrit-pomocou-domaceho-rozpoctu\/#breadcrumbitem"}]}]