[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.popako.sk\/ako-sa-spravne-starat-o-vase-financie\/#Article","mainEntityOfPage":"https:\/\/www.popako.sk\/ako-sa-spravne-starat-o-vase-financie\/","headline":"Ako sa spr\u00e1vne stara\u0165 o va\u0161e financie?","name":"Ako sa spr\u00e1vne stara\u0165 o va\u0161e financie?","description":"V\u00a0poriadku s\u00fa peniaze! \u010c\u00edm v\u00e4\u0161\u010d\u00ed neporiadok v peniazoch, t\u00fdm viac v\u00e1s presved\u010dia l\u00e1kav\u00e9 v\u00fdklady obchodov-ke\u010f neviete ko\u013eko m\u00e1te, neviete ko\u013eko […]","datePublished":"2018-07-28","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.popako.sk\/author\/#Person","name":"","url":"https:\/\/www.popako.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"popako.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.popako.sk\/wp-content\/uploads\/img_a291654_w16482_t1538157785.jpg","url":"https:\/\/www.popako.sk\/wp-content\/uploads\/img_a291654_w16482_t1538157785.jpg","height":0,"width":0},"url":"https:\/\/www.popako.sk\/ako-sa-spravne-starat-o-vase-financie\/","wordCount":468,"articleBody":"V\u00a0poriadku s\u00fa peniaze!\u010c\u00edm v\u00e4\u0161\u010d\u00ed neporiadok v peniazoch, t\u00fdm viac v\u00e1s presved\u010dia l\u00e1kav\u00e9 v\u00fdklady obchodov-ke\u010f neviete ko\u013eko m\u00e1te, neviete ko\u013eko m\u00f4\u017ete min\u00fa\u0165. Skvel\u00e1 met\u00f3da na upratovanie pe\u0148az\u00ed s\u00fa ob\u00e1lky, najlep\u0161ie r\u00f4znych farieb. Na ka\u017ed\u00fa ob\u00e1lku si nap\u00ed\u0161ete, ak\u00e9 peniaze sa v\u00a0nej bud\u00fa nach\u00e1dza\u0165 a\u00a0ceruzkou ko\u013eko, napr\u00edklad: Ru\u017eov\u00e1 ob\u00e1lka, b\u00fdvanie, 1200\u20ac alebo Modr\u00e1 ob\u00e1lka, vo\u013en\u00fd \u010das, 30\u20ac. Tak budete presne vedie\u0165 ko\u013eko a\u00a0na \u010do m\u00e1te peniaze.Ur\u010dte si budget!Ak sa chcete vyhn\u00fa\u0165 \u017eivota ,,od v\u00fdplaty po v\u00fdplatu\u201c ur\u010dite si zapisujte na konci mesiaca ko\u013eko a\u00a0na \u010do ste minuli. Sta\u010d\u00ed si vytvori\u0165 jeden zo\u0161it, alebo ak jenor\u00e1zovo tak jeden papier, do ktor\u00e9ho si v\u0161etko zap\u00ed\u0161ete. Napr\u00edklad: N\u00e1kupy: 70\u20ac, B\u00fdvanie: 500\u20ac, Strava: 220,94\u20ac, at\u010f. A\u00a0ke\u010f tento mesa\u010dn\u00fd zoznam dop\u00ed\u0161ete, do spodenej \u010dasti spo\u010d\u00edtate, ko\u013eko ste za mesiac zarobili, ko\u013eko ste toho minuli a\u00a0ko\u013eko ste si nasporili. Napr\u00edklad: V\u00fdplata: 900\u20ac, V\u00fddavky: n\u00e1kupy+b\u00fdvanie+strava, Nasporen\u00e9: 900\u20ac-v\u00fddavky. Na tak\u00fdto preh\u013ead m\u00f4\u017ete tie\u017e pou\u017ei\u0165 tabulkov\u00fd kalukul\u00e1tor Excel.Smart sporenie.Ak ste leniv\u00ed vytv\u00e1ra\u0165 si ob\u00e1lky, existuje varianta preh\u013eadu financi\u00ed aj do v\u00e1\u0161ho smartf\u00f3nu, existuje mno\u017estvo bezplatn\u00fdch aplik\u00e1ci\u00ed, ktor\u00e9 si m\u00f4\u017ete stiahnu\u0165 \u00faplne zadarmo. V\u0161etky s\u00fa ve\u013emi intuit\u00edne tak\u017ee pou\u017e\u00edvanie by nemalo by\u0165 probl\u00e9mom ak ste aspo\u0148 trochu gramotn\u00fd v\u00a0pou\u017e\u00edvan\u00ed smartf\u00f3nu. Ja osobne pou\u017e\u00edvam aplik\u00e1ciu Money lover (v preklade milovn\u00edk pe\u0148az\u00ed), v\u00a0ktorej si spravujem v\u0161etky svoje pr\u00edjmy a\u00a0v\u00fddavky. Napr\u00edklad: -2,20\u20ac oblo\u017een\u00e1 bageta, +900\u20ac v\u00fdplata. Jednotduch\u00fdm otvoren\u00edm aplik\u00e1cie viete presne ko\u013eko m\u00e1te pe\u0148az\u00ed.Ur\u010dte si potreby!\u010ea\u013e\u0161\u00ed potencion\u00e1lny probl\u00e9m m\u00f4\u017ee nasta\u0165 pri rozhodovan\u00ed medzi t\u00fdm \u010do chcem a\u00a0\u010do potrebujem. Najlep\u0161ie rie\u0161enie je op\u00e4\u0165 tabu\u013eka. Tentokr\u00e1t si do tabu\u013eky do nadpisu nap\u00ed\u0161ete v\u00e1\u0161 mesa\u010dn\u00fd pr\u00edjem a\u00a0stranu pod n\u00edm rozdel\u00edte na dve polovice, jedna polovica bude \u010do chcete a\u00a0druh\u00e1 \u010do potrebujete. Do toho, \u010do potrebujete ur\u010dite treba zaradi\u0165 napr\u00edklad: n\u00e1klady na stravu, b\u00fdvanie, elektrinu, spl\u00e1tku hypot\u00e9ky, sporenie na nepredv\u00eddate\u013en\u00e9 udalosti, at\u010f. Do toho \u010do chceme d\u00e1me v\u00fddavky, bez ktor\u00fdch sa vieme zaob\u00eds\u0165, napr\u00edklad: nov\u00e9 top\u00e1nky, nov\u00e1 kabelka. Ku ka\u017ed\u00e9mu tomuto produktu v\u00a0na\u0161ej tabu\u013eke treba zad\u0165 aj cenu-ko\u013eko na dan\u00fa vec chceme min\u00fa\u0165. To, \u010do neminieme v\u00a0sekcii potrieb m\u00f4\u017eme vyu\u017ei\u0165 na to, \u010do chceme.                                                                                                                                                                                                                                                                                                                                                                                                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