{"id":1282,"date":"2020-02-10T09:02:09","date_gmt":"2020-02-10T08:02:09","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1282"},"modified":"2024-07-30T14:14:56","modified_gmt":"2024-07-30T12:14:56","slug":"5-tipu-jak-vyzrat-na-utraceni","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-tipu-jak-vyzrat-na-utraceni\/","title":{"rendered":"Chcete letos l\u00e9pe vych\u00e1zet s pen\u011bzi? 5 tip\u016f, jak vyzr\u00e1t na utr\u00e1cen\u00ed"},"content":{"rendered":"\n

1. Najd\u011bte sv\u00e1 slab\u00e1 m\u00edsta<\/strong><\/h2>\n\n\n\n

Kdy\u017e budete m\u00e9n\u011b utr\u00e1cet, zbyde v\u00e1m v\u00edc pen\u011bz. To jsou jednoduch\u00e9 po\u010dty. Jen\u017ee jak si v\u00fddaje<\/a> pohl\u00eddat<\/strong>? Kdy\u017e jen sami sob\u011b sl\u00edb\u00edte, \u017ee se budete dr\u017eet zkr\u00e1tka, brzy na takov\u00e9 neur\u010dit\u00e9 p\u0159edsevzet\u00ed zapomenete. Ale pokud zjist\u00edte, kam va\u0161e pen\u00edze ka\u017ed\u00fd m\u011bs\u00edc putuj\u00ed, bude pro v\u00e1s jednodu\u0161\u0161\u00ed si stanovit, v jak\u00e9 oblasti by se dalo u\u0161et\u0159it.<\/p>\n\n\n\n

Proto si zkuste t\u0159eba na m\u011bs\u00edc zapisovat ve\u0161ker\u00e9 v\u00fddaje<\/strong> \u2013 klidn\u011b na oby\u010dejn\u00fd pap\u00edr nebo do chytr\u00e9 finan\u010dn\u00ed aplikace<\/a>, jak je v\u00e1m to p\u0159\u00edjemn\u011bj\u0161\u00ed. Na seznam pat\u0159\u00ed jak pravideln\u00e9 platby, tak ve\u0161ker\u00e9 dal\u0161\u00ed n\u00e1kupy, a to i ty za p\u00e1r korun. Uvid\u00edte, \u017ee v z\u00e1znamech najdete polo\u017eky, bez kter\u00fdch se zvl\u00e1dnete bez velk\u00e9ho omezov\u00e1n\u00ed obej\u00edt. <\/p>\n\n\n

TIP!<\/div>
TIP: Investujte do z\u00e1\u017eitk\u016f, ne do v\u011bc\u00ed. Vydejte se t\u0159eba na v\u00fdlet vlakem a za l\u00edstky pla\u0165te a\u017e za 30 dn\u016f.<\/a><\/b><\/div><\/div>\n\n\n
\n
\"Zapisov\u00e1n\u00ed
V\u00fddaje si m\u016f\u017eete zaznamen\u00e1vat do chytr\u00e9ho telefonu nebo pap\u00edrov\u00e9ho z\u00e1pisn\u00edku.<\/figcaption><\/figure>\n<\/div>\n\n\n

2. Stanovte si konkr\u00e9tn\u00ed c\u00edle<\/strong><\/h2>\n\n\n\n

V duchu p\u0159edchoz\u00edho bodu si m\u00edsto pouh\u00e9ho pl\u00e1nu, \u017ee prost\u011b za\u010dnete \u0161et\u0159it, ur\u010dete konkr\u00e9tn\u00ed \u010d\u00e1stku, kter\u00e1 by v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc m\u011bla z\u016fstat<\/strong>. Bu\u010fte realisti\u010dt\u00ed, a proto si jej\u00ed v\u00fd\u0161i stanovte tak, abyste sv\u016fj z\u00e1vazek dok\u00e1zali bez \u017eivo\u0159en\u00ed splnit. Kdy\u017e budete v\u011bd\u011bt, jak\u00fd m\u00e1te c\u00edl, sn\u00e1ze se k n\u011bmu propracujete.<\/p>\n\n\n\n

Pom\u016f\u017ee v\u00e1m tak\u00e9, pokud budete postupn\u011b \u0161et\u0159it na konkr\u00e9tn\u00ed v\u011bc<\/strong>. M\u016f\u017ee to b\u00fdt dovolen\u00e1, nov\u00e9 auto, vybaven\u00ed dom\u00e1cnosti nebo zkr\u00e1tka jen boty<\/a>, kter\u00e9 si u\u017e dlouho p\u0159ejete. Kdy\u017e se v\u00e1m poda\u0159\u00ed stanoven\u00fd  limit splnit, nebo ho dokonce nav\u00fd\u0161it, odm\u011bnou pro v\u00e1s bude nejen dan\u00e1 v\u011bc, ale i dobr\u00fd pocit, \u017ee se dok\u00e1\u017eete p\u0159ekonat. A \u010dasem pro v\u00e1s bude odkl\u00e1d\u00e1n\u00ed pen\u011bz bokem automatick\u00e9.<\/p>\n\n\n\n

3. Vyhn\u011bte si p\u016fj\u010dk\u00e1m<\/strong><\/h2>\n\n\n\n

Banky se sv\u00fdm klient\u016fm \u010das od \u010dasu oz\u00fdvaj\u00ed a prost\u0159ednictv\u00edm telefonn\u00edch oper\u00e1tor\u016f se vypt\u00e1vaj\u00ed, jak\u00e9 maj\u00ed v\u00fdhledov\u011b finan\u010dn\u00ed pl\u00e1ny. C\u00edl je jedin\u00fd \u2013 zjistit, jestli by se jim nehodila finan\u010dn\u00ed injekce v podob\u011b p\u016fj\u010dky<\/a>, kterou maj\u00ed \u201en\u00e1hodou\u201c zrovna p\u0159edschv\u00e1lenou. Nenechte se nal\u00e1kat, a pokud pen\u00edze opravdu aktu\u00e1ln\u011b v\u00e1\u017en\u011b nepot\u0159ebujete, tak nab\u00eddku odm\u00edtn\u011bte<\/strong>.<\/p>\n\n\n

\n
\"Jak
Nenechte se zasko\u010dit ne\u010dekan\u00fdmi v\u00fddaji.<\/figcaption><\/figure>\n<\/div>\n\n\n

A kdy\u017e v\u00e1s p\u0159ekvap\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/strong>, kter\u00e9 by vych\u00fdlily v\u00e1\u0161 finan\u010dn\u00ed pl\u00e1n z rovnov\u00e1hy, s\u00e1hn\u011bte rad\u011bji po odlo\u017een\u00e9 platb\u011b<\/a>. D\u00edky n\u00ed m\u016f\u017eete nakupovat hned, ale n\u00e1kup uhrad\u00edte kdykoliv b\u011bhem n\u00e1sleduj\u00edc\u00edch 30 dn\u016f. Pokud se v\u00e1m tedy p\u0159ed v\u00fdplatou nehod\u00ed \u017e\u00e1dn\u00e9 dal\u0161\u00ed utr\u00e1cen\u00ed, odlo\u017een\u00e1 platba v\u00e1m umo\u017en\u00ed zaplatit a\u017e po n\u00ed.<\/p>\n\n\n

TIP!<\/div>
TIP: P\u016fj\u010dka<\/a> je nevyhnuteln\u00e1? V\u00edme, jak poznat spot\u0159ebitelsk\u00fd \u00fav\u011br, kter\u00fd v\u00e1s nezruinuje.<\/a><\/b><\/div><\/div>\n\n\n\n

4. Utr\u00e1cejte re\u00e1ln\u00e9 pen\u00edze. Alespo\u0148 ob\u010das<\/strong><\/h2>\n\n\n\n

Platba kartou, a zvl\u00e1\u0161t\u011b ta bezkontaktn\u00ed, je tak rychl\u00e1 a jednoduch\u00e1, \u017ee \u010dasto ani nest\u00edh\u00e1te sledovat, za co v\u0161echno vlastn\u011b plat\u00edte. A kdy\u017e o pen\u00edze nep\u0159ich\u00e1z\u00edte fyzicky, n\u00e1kupy v\u00e1s tolik nebol\u00ed. Proto si \u010d\u00e1stku, kterou hodl\u00e1te za t\u00fdden utratit, vyberte z bankomatu a pla\u0165te hotov\u011b. Budete tak m\u00edt lep\u0161\u00ed p\u0159ehled, jak\u00e1 je va\u0161e aktu\u00e1ln\u00ed bilance<\/strong>.<\/p>\n\n\n\n

Jestli\u017ee se pohodln\u00e9ho placen\u00ed kartou nechyst\u00e1te vzd\u00e1t, tak alespo\u0148 pr\u016fb\u011b\u017en\u011b sledujte sv\u016fj z\u016fstatek na \u00fa\u010dtu<\/strong>, abyste v\u011bd\u011bli, jak si stoj\u00edte. Mo\u017en\u00e1 u\u017e jste sami za\u017eili nep\u0159\u00edjemn\u00fd moment, kdy jste p\u0159i kontrole z\u016fstatku po del\u0161\u00ed dob\u011b zjistili, \u017ee je v\u00fdrazn\u011b ni\u017e\u0161\u00ed, ne\u017e jste o\u010dek\u00e1vali. Proto se podobn\u00fdch \u0161ok\u016f prop\u0159\u00ed\u0161t\u011b vyvarujte a rad\u011bji si, pokud ho je\u0161t\u011b nepou\u017e\u00edv\u00e1te, sjednejte si mobiln\u00ed bankovnictv\u00cd. V\u011bt\u0161ina bank v mobiln\u00ed aplikaci<\/a> umo\u017e\u0148uje rychl\u00e9 zobrazen\u00ed z\u016fstatku na \u00fa\u010dtu i bez p\u0159ihla\u0161ov\u00e1n\u00ed.\u00a0<\/p>\n\n\n\n

5. Spo\u0159te do pras\u00e1tka<\/strong><\/h2>\n\n\n\n

A\u010dkoliv u\u017e asi nejste ve v\u011bku, kdy si do kasi\u010dky kapesn\u00e9 nebo pen\u00edze od babi\u010dek ukr\u00fdv\u00e1te do kasi\u010dky, vyzkou\u0161ejte trik, kter\u00fd je v posledn\u00edch letech st\u00e1le obl\u00edben\u011bj\u0161\u00ed. O co jde? Poka\u017ed\u00e9, kdy\u017e p\u0159ijdete dom\u016f z pr\u00e1ce, vyberte z pen\u011b\u017eenky nebo kapes <\/strong>v\u0161echny kovov\u00e9 mince a ulo\u017ete je do \u201epras\u00e1tka\u201c nebo jak\u00e9koliv jin\u00e1 p\u0159\u00edhodn\u00e9 n\u00e1doby. <\/p>\n\n\n\n

N\u011bkter\u00fd den mo\u017en\u00e1 nep\u0159id\u00e1te nic, dal\u0161\u00ed p\u00e1r korun a jindy, pokud se v\u00e1m v pen\u011b\u017eence sejde v\u00edce pades\u00e1tikorun, t\u0159eba i n\u011bkolik stovek. Korunka ke korunce a b\u011bhem roku tak v podstat\u011b bezbolestn\u011b nast\u0159\u00e1d\u00e1te hezk\u00fdch p\u00e1r tis\u00edc<\/strong>.
Dr\u017e\u00edme v\u00e1m palce!<\/p>\n","protected":false},"excerpt":{"rendered":"

Ud\u011blaly v\u00e1m V\u00e1noce pr\u016fvan v pen\u011b\u017eence, ze kter\u00e9ho se budete je\u0161t\u011b p\u00e1r m\u011bs\u00edc\u016f vzpamatov\u00e1vat? Mo\u017en\u00e1 jste se rozhodli nakoupit p\u0159\u00edli\u0161 n\u00e1kladn\u00e9 d\u00e1rky. A nebo zkr\u00e1tka moc neum\u00edte zach\u00e1zet s pen\u011bzi. Nebojte, nejste v tom zdaleka sami. Tak se zkuste postavit sv\u00fdm finan\u010dn\u00edm zlozvyk\u016fm a vyp\u011bstujte si n\u00e1vyky, d\u00edky kter\u00fdm se kone\u010dn\u011b nau\u010d\u00edte \u0161et\u0159it.<\/p>\n","protected":false},"author":6,"featured_media":1280,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[122,24,134],"class_list":["post-1282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-skip-pay","tag-tipy-triky","tag-vanoce","entry"],"acf":[],"yoast_head":"\nChcete vych\u00e1zet s pen\u011bzi? 5 tip\u016f, jak vyzr\u00e1t na utr\u00e1cen\u00ed | Skip Pay<\/title>\n<meta name=\"description\" content=\"Pokud nejste po V\u00e1noc\u00edch v optim\u00e1ln\u00ed finan\u010dn\u00ed kondici, porad\u00edme v\u00e1m, jak z toho ven. Pom\u016f\u017ee sledov\u00e1n\u00ed v\u00fddaj\u016f i odlo\u017een\u00e1 platba Skip Pay. \ud83d\udcb5\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/5-tipu-jak-vyzrat-na-utraceni\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chcete vych\u00e1zet s pen\u011bzi? 5 tip\u016f, jak vyzr\u00e1t na utr\u00e1cen\u00ed | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Pokud nejste po V\u00e1noc\u00edch v optim\u00e1ln\u00ed finan\u010dn\u00ed kondici, porad\u00edme v\u00e1m, jak z toho ven. Pom\u016f\u017ee sledov\u00e1n\u00ed v\u00fddaj\u016f i odlo\u017een\u00e1 platba Skip Pay. \ud83d\udcb5\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/5-tipu-jak-vyzrat-na-utraceni\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-10T08:02:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-30T12:14:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/02\/jak_stabilizovat_rozpocet.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1192\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Chcete letos l\u00e9pe vych\u00e1zet s pen\u011bzi? 5 tip\u016f, jak vyzr\u00e1t na utr\u00e1cen\u00ed\",\"datePublished\":\"2020-02-10T08:02:09+00:00\",\"dateModified\":\"2024-07-30T12:14:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/\"},\"wordCount\":923,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/jak_stabilizovat_rozpocet.jpg\",\"keywords\":[\"Skip Pay\",\"Tipy & Triky\",\"V\u00e1noce\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/\",\"name\":\"Chcete vych\u00e1zet s pen\u011bzi? 5 tip\u016f, jak vyzr\u00e1t na utr\u00e1cen\u00ed | Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-vyzrat-na-utraceni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/02\\\/jak_stabilizovat_rozpocet.jpg\",\"datePublished\":\"2020-02-10T08:02:09+00:00\",\"dateModified\":\"2024-07-30T12:14:56+00:00\",\"description\":\"Pokud nejste po V\u00e1noc\u00edch v optim\u00e1ln\u00ed finan\u010dn\u00ed kondici, porad\u00edme v\u00e1m, jak z toho ven. 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