[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.drokar.cz\/tipy-jak-usetrit-penize\/#Article","mainEntityOfPage":"https:\/\/www.drokar.cz\/tipy-jak-usetrit-penize\/","headline":"Tipy, jak u\u0161et\u0159it pen\u00edze","name":"Tipy, jak u\u0161et\u0159it pen\u00edze","description":"V dne\u0161n\u00edm \u010dl\u00e1nku naleznete n\u011bkolik \u00fa\u010dinn\u00fdch tip\u016f, jak u\u0161et\u0159it pen\u00edze, ani\u017e byste se museli n\u011bjak v\u00fdrazn\u011b omezovat nebo m\u011bnit. Denn\u011b n\u00e1m ut\u00edk\u00e1 spousta pen\u011bz a pot\u00e9 se pt\u00e1me, pro\u010d n\u00e1m na konci m\u011bs\u00edce nezb\u00fdv\u00e1 \u017e\u00e1dn\u00e1 \u010d\u00e1stka na na\u0161em bankovn\u00edm \u00fa\u010dtu nebo v pen\u011b\u017eence. Pokud se V\u00e1m neda\u0159\u00ed u\u0161et\u0159it \u017e\u00e1dn\u00fd obnos, \u017e\u00e1dnou finan\u010dn\u00ed rezervu a u\u017e jste doopravdy […]","datePublished":"2019-12-01","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.drokar.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.drokar.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"drokar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.drokar.cz\/wp-content\/uploads\/img_a363908_w4333_t1576600141.jpg","url":"https:\/\/www.drokar.cz\/wp-content\/uploads\/img_a363908_w4333_t1576600141.jpg","height":0,"width":0},"url":"https:\/\/www.drokar.cz\/tipy-jak-usetrit-penize\/","about":["Pen\u00edze"],"wordCount":565,"articleBody":"V dne\u0161n\u00edm \u010dl\u00e1nku naleznete n\u011bkolik \u00fa\u010dinn\u00fdch tip\u016f, jak u\u0161et\u0159it pen\u00edze, ani\u017e byste se museli n\u011bjak v\u00fdrazn\u011b omezovat nebo m\u011bnit. Denn\u011b n\u00e1m ut\u00edk\u00e1 spousta pen\u011bz a pot\u00e9 se pt\u00e1me, pro\u010d n\u00e1m na konci m\u011bs\u00edce nezb\u00fdv\u00e1 \u017e\u00e1dn\u00e1 \u010d\u00e1stka na na\u0161em bankovn\u00edm \u00fa\u010dtu nebo v pen\u011b\u017eence. Pokud se V\u00e1m neda\u0159\u00ed u\u0161et\u0159it \u017e\u00e1dn\u00fd obnos, \u017e\u00e1dnou finan\u010dn\u00ed rezervu a u\u017e jste doopravdy zoufal\u00ed, n\u00e1\u0161 \u010dl\u00e1nek by V\u00e1m m\u011bl pomoct.Pokud doopravdy pat\u0159\u00edte do t\u00e9to kategorie v\u011b\u010dn\u00fdch utr\u00e1ce\u010d\u016f a shopaholik\u016f, je pot\u0159eba zjistit, kudy V\u00e1m finance ut\u00edkaj\u00ed. Ve\u010fte si m\u011bs\u00edc nebo n\u011bkolik m\u011bs\u00edc\u016f tabulku v\u00fddaj\u016f, abyste zjistili, za co a pro\u010d utr\u00e1c\u00edte.Samoz\u0159ejm\u011b jsou poplatky, kter\u00e9 se nezm\u011bn\u00ed a kter\u00e9 budete platit tak jako tak: hypot\u00e9ka, n\u00e1jemn\u00e9, poplatky za spot\u0159ebu, benz\u00edn, karta na MHD, elekt\u0159ina, pak jsou ale v\u00fddaje, kter\u00e9 je pot\u0159eba zkontrolovat. Zkontrolujte, kolik plat\u00edte za V\u00e1\u0161 telefonn\u00ed pau\u0161\u00e1l, ud\u011blejte srovn\u00e1n\u00ed, zda byste nenalezli lep\u0161\u00ed, levn\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed. Zkontrolujte si, jak\u00e9 poplatky na Va\u0161em bankovn\u00edm \u00fa\u010dtu V\u00e1m jsou \u00fa\u010dtov\u00e1ny, pokud se V\u00e1m zd\u00e1, \u017ee V\u00e1m tam n\u011bkde pen\u00edze ut\u00edkaj\u00ed, domluvte si sch\u016fzku s bankou, domluvte se s nimi nebo zva\u017eujte zm\u011bnu banky.V hor\u0161\u00edm p\u0159\u00edpad\u011b, pokud m\u00e1te n\u011bjakou p\u016fj\u010dku nebo \u00fav\u011br, se pod\u00edvejte, kdy V\u00e1m p\u0159esn\u011b spl\u00e1cen\u00ed kon\u010d\u00ed, pokud tato spl\u00e1tka n\u011bjak v\u00fdrazn\u011b zat\u011b\u017euje V\u00e1\u0161 rodinn\u00fd rozpo\u010det, pod\u00edvejte se na mo\u017enost refinancov\u00e1n\u00ed p\u016fj\u010dky.Toto jsou platby a poplatky, kter\u00e9 budete tak jako tak ka\u017ed\u00fd m\u011bs\u00edc platit. Pot\u00e9 tu jsou ale v\u00fddaje, kter\u00e9 m\u016f\u017eeme v\u00fdrazn\u011b ovlivnit: \u00fatrata za j\u00eddlo, z\u00e1bavu, kosmetiku, oble\u010den\u00ed, atd. Kupujete si denn\u011b k\u00e1vu v kav\u00e1rn\u011b, kter\u00e1 V\u00e1s stoj\u00ed minim\u00e1ln\u011b 100 CZK? Stop! Rad\u011bji si tuto stovku ukl\u00e1dejte denn\u011b do pokladni\u010dky, ro\u010dn\u011b tam budete m\u00edt 1 200 CZK, za 5 let u\u017e 6 000 CZK a pro\u010d si nap\u0159\u00edklad k V\u00e1noc\u016fm neud\u011blat radost a nekoupit si kvalitn\u00ed k\u00e1vovar dom\u016f, kter\u00fd V\u00e1m ud\u011bl\u00e1 takovou k\u00e1vu, \u017ee u\u017e si na kav\u00e1rnu ani nevzpomenete.Chod\u00edte denn\u011b na ob\u011bdy do restaurace. Necho\u010fte. Ano, jednou m\u011bs\u00ed\u010dn\u011b si m\u016f\u017eete sv\u00e1te\u010dn\u011b doj\u00edt na ob\u011bd, ale jinak si kupujte kvalitn\u00ed stravu a potraviny dom\u016f, va\u0159te si a uvid\u00edte, kolik najednou u\u0161et\u0159\u00edte.Chod\u00edte n\u011bkolikr\u00e1t do m\u011bs\u00edce do kina? STOP! Ano, m\u016f\u017eete si doj\u00edt do kina n\u011bkolikr\u00e1t do roka na filmy, kter\u00e9 doopravdy milujete, ale chodit na ka\u017ed\u00fd film, to doopravdy ne. Nau\u010dte se sledovat filmy doma. Ob\u010derstven\u00ed si doma p\u0159iprav\u00edte podle chuti a neutrat\u00edte neskute\u010dn\u00e9 \u010d\u00e1stky za p\u0159edra\u017een\u00fd popcorn a limon\u00e1dy v kinech.Je doopravdy pot\u0159eba p\u0159em\u00fd\u0161let nad t\u00edm, za co utr\u00e1c\u00edte Va\u0161e t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Tipy, jak u\u0161et\u0159it pen\u00edze","item":"https:\/\/www.drokar.cz\/tipy-jak-usetrit-penize\/#breadcrumbitem"}]}]