[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.asreal.sk\/ako-si-dat-do-poriadku-financie\/#Article","mainEntityOfPage":"https:\/\/www.asreal.sk\/ako-si-dat-do-poriadku-financie\/","headline":"Ako si da\u0165 do poriadku financie?","name":"Ako si da\u0165 do poriadku financie?","description":"Nie je v\u017edy \u013eahk\u00e9 korigova\u0165 svoje v\u00fddaje, rovnako, ako si aj pam\u00e4ta\u0165 na \u010do ste minuli. \u017divot ob\u010das prin\u00e1\u0161a aj situ\u00e1cie, kedy si neviete rady. Peniaze s\u00fa jednou z najd\u00f4le\u017eitej\u0161\u00edch \u010dast\u00ed n\u00e1\u0161ho \u017eivota, preto sa im nem\u00f4\u017eeme str\u00e1ni\u0165 a ani ignorova\u0165 nepr\u00edjemn\u00e9 situ\u00e1cie spojen\u00e9 s nimi. Nie ste sami, kto nie je mo\u017eno prirodzen\u00fd talent […]","datePublished":"2025-03-01","dateModified":"2025-03-01","author":{"@type":"Person","@id":"https:\/\/www.asreal.sk\/author\/#Person","name":"","url":"https:\/\/www.asreal.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ddbdb36321e5b7d4d861793930db080587341c870bd6ed87a3d36e707e2e9ae3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"asreal.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.asreal.sk\/wp-content\/uploads\/img_a300112_w16530_t1556468726.jpg","url":"https:\/\/www.asreal.sk\/wp-content\/uploads\/img_a300112_w16530_t1556468726.jpg","height":0,"width":0},"url":"https:\/\/www.asreal.sk\/ako-si-dat-do-poriadku-financie\/","wordCount":532,"articleBody":"Nie je v\u017edy \u013eahk\u00e9 korigova\u0165 svoje v\u00fddaje, rovnako, ako si aj pam\u00e4ta\u0165 na \u010do ste minuli. \u017divot ob\u010das prin\u00e1\u0161a aj situ\u00e1cie, kedy si neviete rady. Peniaze s\u00fa jednou z najd\u00f4le\u017eitej\u0161\u00edch \u010dast\u00ed n\u00e1\u0161ho \u017eivota, preto sa im nem\u00f4\u017eeme str\u00e1ni\u0165 a ani ignorova\u0165 nepr\u00edjemn\u00e9 situ\u00e1cie spojen\u00e9 s nimi. Nie ste sami, kto nie je mo\u017eno prirodzen\u00fd talent a neradi by sme v\u00e1s v tom nechali sam\u00fdch. P\u00e1r praktick\u00fdch r\u00e1d na za\u010diatok ur\u010dite neza\u0161kod\u00ed. Pl\u00e1n rozpo\u010dtu na cel\u00fd mesiac  Odklad\u00e1te si blo\u010dky z n\u00e1kupov? Ak nie, bolo by dobr\u00e9 s t\u00fdm za\u010da\u0165. \u013dah\u0161ie tak zist\u00edte, ak\u00e9 s\u00fa va\u0161e v\u00fddaje na jeden mesiac. Navy\u0161e po nahliadnut\u00ed do nich, m\u00f4\u017eete jednoduch\u0161ie zisti\u0165, ktor\u00e9 veci kupujete iba z \u010dist\u00e9ho rozmaru. Ale ak nie ste zbehl\u00fd v zapisovan\u00ed, mali by stenav\u0161t\u00edvi\u0165 odborn\u00edka danej oblasti, ktor\u00fd v\u00e1m zaru\u010dene napom\u00f4\u017ee k zmen\u00e1m vo va\u0161om investovan\u00ed. Vytvor\u00ed v\u00e1m finan\u010dn\u00fd pl\u00e1n, ktor\u00fd v\u00e1s \u010diasto\u010dne vymedz\u00ed a u\u017e nebudete musie\u0165 cel\u00fd mesiac bl\u00fadi\u0165 v neistote. Dodr\u017eiavanie pl\u00e1nu  Mo\u017eno v\u00e1m na prv\u00e9 po\u010dutie pr\u00edde n\u00e1v\u0161teva odborn\u00edka na financie zbyto\u010dn\u00e1. V\u0161ak verte, \u017ee pr\u00e1ve on sa bude vedie\u0165 pozrie\u0165 na veci odbornej\u0161\u00edm a objekt\u00edvnej\u0161\u00edm sp\u00f4sobom. Bohu\u017eia\u013e, m\u00e1me tak\u00fd zvyk si ur\u010dit\u00e9 zbyto\u010dnosti neodpusti\u0165. Mus\u00edte by\u0165 siln\u00fd a nepod\u013eahn\u00fa\u0165 vlastnej slabosti. V\u00fdsledok sa neobjav\u00ed len tak z ni\u010doho. Zlozvyky  Ve\u010dern\u00e9 menu vo fastfoodoch, cigarety, bary, alkohol at\u010f. Nikto nie je bez viny, no m\u00f4\u017eu t\u00fdm trpie\u0165 okrem in\u00e9ho, aj va\u0161e vreck\u00e1. Je ob\u010das lep\u0161ie preorientova\u0165 sa na lacnej\u0161ie varianty, mo\u017eno niektor\u00e9 negat\u00edvne z\u00e1\u013euby \u00faplne vynecha\u0165. \u010c\u00edm viac sa n\u00e1m toti\u017e st\u00e1vaj\u00fa vlastn\u00e9, t\u00fdm \u0165a\u017e\u0161ie je bez nich \u017ei\u0165. Pokia\u013e chcete nejak\u00e9 peniaze u\u0161etri\u0165, podstatn\u00e9 je udr\u017ea\u0165 sa na uzde. Nadbyto\u010dn\u00fd n\u00e1kup  Rovnako ako pri zlozvykoch, nie je ani dobr\u00e9 peniaze posiela\u0165 hore kom\u00ednom pr\u00e1ve sp\u00f4sobom nadmern\u00e9ho nakupovania. \u010ci ide o oble\u010denie, potraviny, je to jedno. Ako sme spom\u00ednali vy\u0161\u0161ie, pom\u00e1ha tomu pr\u00e1ve uchov\u00e1vanie blo\u010dkov z n\u00e1kupu. Dlhy  V prvom rade sa odpor\u00fa\u010da zl\u00fa\u010denie \u00faverov, m\u00f4\u017eete ich potom splati\u0165 naraz a v\u00fdhodnej\u0161ie. D\u00f4le\u017eit\u00e9 je sa im str\u00e1ni\u0165 a nastavi\u0165 si finan\u010dn\u00fd pl\u00e1n pr\u00e1ve na tento prvotn\u00fd \u00fakon. Taktie\u017e sa odpor\u00fa\u010da preferova\u0165 platenie v hotovosti, pred kreditnou kartou. Vyhnete sa tak nepremyslen\u00e9mu vyhadzovaniu pe\u0148az\u00ed. \u010co m\u00e1te na o\u010diach, predsa lep\u0161ie kontrolujete. Rezerva  Odpor\u00fa\u010da sa spravidla 10% z platu. Samozrejme, je to na v\u00e1s. No mnoho \u013eud\u00ed u\u0161etren\u00e9 peniaze min\u00fa ihne\u010f, napr\u00edklad na Vianoce alebo letn\u00fa dovolenku. V\u00e1\u0161 cie\u013e by mal by\u0165 v\u0161ak v\u00e4\u010d\u0161\u00ed, tak\u017ee sa s\u00fastre\u010fte viac na bud\u00facnos\u0165, ne\u017e na kr\u00e1tke p\u00f4\u017eitky.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako si da\u0165 do poriadku financie?","item":"https:\/\/www.asreal.sk\/ako-si-dat-do-poriadku-financie\/#breadcrumbitem"}]}]