[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lakoz.cz\/jak-se-naucit-spravne-setrit\/#Article","mainEntityOfPage":"https:\/\/www.lakoz.cz\/jak-se-naucit-spravne-setrit\/","headline":"Jak se nau\u010dit spr\u00e1vn\u011b \u0161et\u0159it","name":"Jak se nau\u010dit spr\u00e1vn\u011b \u0161et\u0159it","description":"\u00b7 P\u0159ed n\u00e1kupem zjist\u011bte, co p\u0159esn\u011b pot\u0159ebujete koupit, a napi\u0161te si to. V obchod\u011b vezm\u011bte popo\u0159ad\u011b v\u0161e, co je na...","datePublished":"2018-09-24","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.lakoz.cz\/author\/#Person","name":"","url":"https:\/\/www.lakoz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/99fa2d7bb0ff3369cbf7f1481134d0b6f7aff596e984b7c90a3d99b8b24eb0d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/99fa2d7bb0ff3369cbf7f1481134d0b6f7aff596e984b7c90a3d99b8b24eb0d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lakoz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lakoz.cz\/wp-content\/uploads\/img_a324612_w2135_t1536485487.jpg","url":"https:\/\/www.lakoz.cz\/wp-content\/uploads\/img_a324612_w2135_t1536485487.jpg","height":0,"width":0},"url":"https:\/\/www.lakoz.cz\/jak-se-naucit-spravne-setrit\/","wordCount":604,"articleBody":" \u00b7 P\u0159ed n\u00e1kupem zjist\u011bte, co p\u0159esn\u011b pot\u0159ebujete koupit, a napi\u0161te si to. V obchod\u011b vezm\u011bte popo\u0159ad\u011b v\u0161e, co je na pap\u00edrku napsan\u00e9, a kdy\u017e m\u00e1te v\u0161echno, zbyte\u010dn\u011b se nezdr\u017eujte. Kdy\u017e se nebudete rozhl\u00ed\u017eet, nebude V\u00e1s l\u00e1kat nakupovat v\u00edce, ne\u017e pot\u0159ebujete. \u00b7 Pokud p\u0159edchoz\u00ed bod nezvl\u00e1dnete, jednodu\u0161e si k tomu p\u0159idejte, \u017ee na n\u00e1kup s sebou si vezmete pouze tolik pen\u011bz, kolik v\u00edte, \u017ee budete pot\u0159ebovat, i kdyby v\u00e1s srdce nutilo nakupovat, nebudete m\u00edt jak. To se t\u00fdk\u00e1 i opravdov\u00fdch n\u00e1kup\u016f, kdy vyraz\u00edte s p\u0159\u00e1teli na k\u00e1vu a chcete si ud\u011blat radost n\u011bjak\u00fdm dra\u017e\u0161\u00edm produktem, vezm\u011bte si s sebou \u010d\u00e1stku, kterou maxim\u00e1ln\u011b chcete nebo si m\u016f\u017eete dovolit utratit. Nem\u016f\u017ee se pak st\u00e1t ta nehoda, \u017ee doma zjist\u00edte, \u017ee je pry\u010d cel\u00e1 va\u0161e v\u00fdplata. \u00b7 Ulo\u017ete si pen\u00edze do banky, a m\u011bjte u sebe jen pen\u00edze, kter\u00e9 pot\u0159ebujete, a samoz\u0159ejm\u011b z\u00e1lohu, pro p\u0159\u00edpad, \u017ee budete nutn\u011b pot\u0159ebovat pen\u00edze. V\u017edy je lep\u0161\u00ed m\u00edt n\u011bco nav\u00edc po ruce. \u00b7 Nau\u010dte se rozpo\u010d\u00edt\u00e1vat pen\u00edze. Napi\u0161te si Va\u0161i celkovou \u010distou mzdu. Sepi\u0161te si v\u0161echny platby, kter\u00e9 mus\u00edte m\u011bs\u00ed\u010dn\u011b z t\u011bchto pen\u011bz odv\u00e1d\u011bt. Podle po\u010dtu \u010dlen\u016f dom\u00e1cnosti ode\u010dt\u011bte, kolik v\u00fddaj\u016f bude t\u0159eba za j\u00eddlo. Nezapome\u0148te zapo\u010d\u00edtat pot\u0159eby pro d\u011bti, pokud jsou n\u011bjak\u00e9 \u010dleny dom\u00e1cnosti, kosmetiku a hygienick\u00e9 pot\u0159eby, r\u016fzn\u00e9 slu\u017eby, kter\u00e9 si nech\u00e1v\u00e1te provozovat pravideln\u011b. Ta \u010d\u00e1stka, kter\u00e1 v\u00e1m vyjde, je v\u00e1\u0161 z\u016fstatek, kter\u00fd si m\u016f\u017eete dovolit utratit za ostatn\u00ed v\u011bci, kter\u00e9 jsou nepot\u0159ebn\u00e9, \u010di nejsou pravideln\u00fdm v\u00fddajem. Nezapome\u0148te ov\u0161em na tu skute\u010dnost, \u017ee jak u\u017e bylo zm\u00edn\u011bno, je opravdu pot\u0159eba si nechat v\u017edy z\u00e1lohu t\u0159eba v pe\u010dliv\u011b schovan\u00e9m hrn\u00ed\u010dku. Nikdy nev\u00edte, kdy se m\u016f\u017ee n\u011bco p\u0159ihodit, v ur\u010dit\u00fdch situac\u00edch to bez pen\u011bz zkr\u00e1tka nep\u016fjde, proto na to rad\u011bji nezapom\u00ednejte. \u00b7 Konzultujte ned\u016fle\u017eit\u00e9 \u00fatraty s ostatn\u00edmi \u010dleny dom\u00e1cnosti. V\u011bt\u0161inou je v rodin\u00e1ch rozpo\u010det spole\u010dn\u00fd, a proto v\u0161echny va\u0161e v\u00fddaje, pokud jsou opravdu zbyte\u010dn\u00e9, nejprve prokonzultujte s \u010dlov\u011bkem, se kter\u00fdm d\u00e1v\u00e1te pen\u00edze dohromady. Zeptejte se na jeho pl\u00e1ny, kter\u00e9 m\u00e1, a co pl\u00e1nuje platit. \u00b7 Pokud se nejedn\u00e1 o v\u011bt\u0161\u00ed \u010d\u00e1stky k platb\u011b, necho\u010fte do obchodu s kreditn\u00ed kartou. V p\u0159\u00edpad\u011b, \u017ee se jdete jen pod\u00edvat po obchodech, a nejdete vylo\u017een\u011b na velk\u00fd rodinn\u00fd n\u00e1kup, je lep\u0161\u00ed si vz\u00edt ur\u010ditou \u010d\u00e1stku s sebou v hotovosti, a kartu, na kter\u00e9 m\u00e1te pravd\u011bpodobn\u011b v\u0161echny va\u0161e finance, nechte rad\u011bji doma. Kdy\u017e m\u00e1te jen platebn\u00ed kartu, a pen\u00edze nedr\u017e\u00edte v ruce, v\u016fbec si vlastn\u011b neuv\u011bdomujete, \u017ee n\u011bco utr\u00e1c\u00edte a nep\u0159em\u00fd\u0161l\u00edte, zda je dobr\u00fd n\u00e1pad koupit zrovna tuhle v\u011bc, kter\u00e1 nen\u00ed zrovna nejlevn\u011bj\u0161\u00ed. Kde\u017eto kdy\u017e dr\u017e\u00edte pen\u00edze v hotovosti v ruce, donut\u00ed v\u00e1s to se zamyslet, a nechcete ty pen\u00edze moc nikomu d\u00e1vat do ruky, co\u017e u\u0161et\u0159\u00ed dal\u0161\u00ed zbyte\u010dn\u00e9 v\u00fddaje. 4\/5 - (7 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se nau\u010dit spr\u00e1vn\u011b \u0161et\u0159it","item":"https:\/\/www.lakoz.cz\/jak-se-naucit-spravne-setrit\/#breadcrumbitem"}]}]