{"id":262,"date":"2019-04-26T16:00:41","date_gmt":"2019-04-26T15:00:41","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=262"},"modified":"2025-10-30T12:50:08","modified_gmt":"2025-10-30T11:50:08","slug":"5-tipu-jak-udrzet-vydaje-na-uzde","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-tipu-jak-udrzet-vydaje-na-uzde\/","title":{"rendered":"Neum\u00edte \u0161et\u0159it? 5 tip\u016f, jak pen\u00edze udr\u017eet na uzd\u011b"},"content":{"rendered":"\n

1. M\u011bjte p\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch <\/h2>\n\n\n\n

Na to, abyste v\u011bd\u011bli, \u017ee vyv\u00e1\u017een\u00fd dom\u00e1c\u00ed rozpo\u010det vy\u017eaduje, aby p\u0159\u00edjmy<\/a> p\u0159evy\u0161ovaly v\u00fddaje<\/a>, nemus\u00edte b\u00fdt geni\u00e1ln\u00ed matematik. P\u0159esto nejr\u016fzn\u011bj\u0161\u00ed pr\u016fzkumy opakovan\u011b ukazuj\u00ed, \u017ee \u010ce\u0161i maj\u00ed v hospoda\u0159en\u00ed s pen\u011bzi po\u0159\u00e1d velik\u00e9 rezervy<\/strong>. Mnoho lid\u00ed jednodu\u0161e bez rozmyslu utr\u00e1c\u00ed, dokud jim to platebn\u00ed karta<\/a> dovol\u00ed, a pak se div\u00ed, kam se jejich pen\u00edze pod\u011bly. Pot\u00e9 se v lep\u0161\u00edm p\u0159\u00edpad\u011b uskromn\u00ed, dokud jim na \u00fa\u010det nedoraz\u00ed v\u00fdplata, a v hor\u0161\u00edm p\u0159\u00edpad\u011b vy\u0159e\u0161\u00ed situaci p\u016fj\u010dkou<\/a>.<\/p>\n\n\n\n

Jak se nau\u010dit s pen\u011bzi l\u00e9pe hospoda\u0159it<\/a>? D\u016fle\u017eit\u00e9 je, abyste m\u011bli p\u0159ehled o tom, kam va\u0161e finance putuj\u00ed. Zkuste si b\u011bhem jednoho m\u011bs\u00edce zaznamen\u00e1vat ve\u0161ker\u00e9 v\u00fddaje \u2013 od pravideln\u00fdch v\u011bt\u0161\u00edch plateb a\u017e po drobn\u00e9 polo\u017eky, kter\u00fdm b\u011b\u017en\u011b p\u0159\u00edli\u0161 nev\u011bnujete pozornost. Po m\u011bs\u00edci si ud\u011blejte finan\u010dn\u00ed inventuru<\/strong>, b\u011bhem n\u00ed\u017e na seznamu \u00fatrat vytipujte ty, bez kter\u00fdch se bez pot\u00ed\u017e\u00ed obejdete. Kdy\u017e se v dal\u0161\u00edm \u010dasov\u00e9m \u00faseku jejich n\u00e1kupu vyhnete, budete m\u00edt ze sebe dobr\u00fd pocit, ale hlavn\u011b si m\u016f\u017eete u\u0161et\u0159enou \u010d\u00e1stku odlo\u017eit stranou na hor\u0161\u00ed \u010dasy.<\/p>\n\n\n\n

2. Nechte pen\u00edze vyd\u011bl\u00e1vat<\/strong>
<\/h2>\n\n\n\n

Le\u017e\u00ed v\u00e1m na \u00fa\u010dtu p\u0159ebyte\u010dn\u00e9 pen\u00edze? Zkuste je, m\u00edsto aby jejich hodnotu sni\u017eovala inflace, chyt\u0159e rozmno\u017eit. K tomu, aby se v\u00e1m to poda\u0159ilo, nemus\u00edte b\u00fdt zrovna Vlk z Wall Street, za\u010d\u00edt m\u016f\u017eete t\u00edm, \u017ee si vyberete spo\u0159ic\u00ed produkt, kter\u00fd va\u0161e finance alespo\u0148 trochu zhodnot\u00ed. M\u016f\u017ee j\u00edt o spo\u0159ic\u00ed \u00fa\u010det, stavebn\u00ed spo\u0159en\u00ed nebo t\u0159eba term\u00ednovan\u00fd vklad<\/strong>. Ruku na srdce \u2013 s t\u011bmito produkty nevyd\u011bl\u00e1te majlant, ale alespo\u0148 \u010d\u00e1ste\u010dn\u011b zabr\u00e1n\u00edte tomu, aby va\u0161e pen\u00edze zbyte\u010dn\u011b ztr\u00e1cely hodnotu. Pravdou ale je, \u017ee spo\u0159ic\u00ed \u00fa\u010dty aktu\u00e1ln\u011b nab\u00edzej\u00ed tak n\u00edzk\u00e9 \u00faroky, \u017ee v\u00fdnos nepokryje ani zm\u00edn\u011bnou inflaci.
<\/p>\n\n\n\n

P\u0159\u00edjemn\u011bj\u0161\u00ed zhodnocen\u00ed nab\u00edz\u00ed investice do tzv. peer-to-peer p\u016fj\u010dek<\/strong>, kter\u00e9 v \u010cesku reprezentuje nap\u0159\u00edklad spole\u010dnost Zonky. V praxi to zjednodu\u0161en\u011b znamen\u00e1, \u017ee sv\u00e9 pen\u00edze skrze syst\u00e9m poskytovatele po mal\u00fdch \u010d\u00e1stk\u00e1ch p\u016fj\u010d\u00edte jin\u00fdm lidem, z jejich\u017e \u00farok\u016f pot\u00e9 vznikne v\u00e1\u0161 v\u00fdnos. Dal\u0161\u00ed mo\u017enost\u00ed je investov\u00e1n\u00ed do<\/strong> akci\u00ed<\/strong>,<\/a> dluhopis\u016f<\/strong> nebo pod\u00edlov\u00fdch fond\u016f<\/strong>, v tomto p\u0159\u00edpad\u011b je ale t\u0159eba po\u010d\u00edtat, \u017ee va\u0161e investi\u010dn\u00ed portfolio bude vy\u017eadovat v\u00e1\u0161 \u010das a n\u00e1le\u017eitou p\u00e9\u010di. A pokud fand\u00edte technologi\u00edm a chcete za\u017e\u00edt opravdov\u00fd adrenalin, zam\u011b\u0159te se na aktu\u00e1ln\u011b velmi diskutovan\u00e9 kryptom\u011bny<\/strong>.<\/p>\n\n\n

\n
\"P\u0159ehled
Sv\u00e9 \u00fatraty si m\u016f\u017eete zapisovat ru\u010dn\u011b, nebo se spolehnout na chytr\u00e9 programy.<\/figcaption><\/figure>\n<\/div>\n\n\n

3. Nakupujte chyt\u0159e<\/h2>\n\n\n\n

Nebojte, opravdu v\u00e1s nebudeme nutit, abyste ka\u017ed\u00fd t\u00fdden tr\u00e1vili hodiny studov\u00e1n\u00edm ak\u010dn\u00edch let\u00e1k\u016f<\/a> supermarket\u016f. Chytr\u00e9 nakupov\u00e1n\u00ed za\u010d\u00edn\u00e1 u n\u00e1kupn\u00edho seznamu<\/strong>, kter\u00fd jednak zkr\u00e1t\u00ed \u010das, kter\u00fd str\u00e1v\u00edte v obchod\u011b, ale hlavn\u011b se d\u00edky n\u011bmu vyvarujete po\u0159izov\u00e1n\u00ed v\u011bc\u00ed, kter\u00e9 nepot\u0159ebujete. Spoustu \u010dasu i nerv\u016f v\u00e1m u\u0161et\u0159\u00ed i n\u00e1kupy na internetu<\/strong> \u2013 vyb\u00edrat m\u016f\u017eete klidn\u011b o p\u016flnoci z gau\u010de a v py\u017eamu, zvol\u00edte si platebn\u00ed metodu, kter\u00e1 v\u00e1m nejl\u00e9pe vyhovuje, a zbo\u017e\u00ed v\u00e1m doraz\u00ed a\u017e dom\u016f.
<\/p>\n\n\n\n

M\u00e1te rad\u0161i, kdy\u017e si produkty m\u016f\u017eete osahat, vyzkou\u0161et a prohl\u00e9dnout na vlastn\u00ed o\u010di<\/strong>, ale p\u0159esto se v\u00fdhod internetov\u00fdch n\u00e1kup\u016f nechcete vzd\u00e1t? Vyzkou\u0161ejte odlo\u017eenou platbu<\/a> \u2013 zbo\u017e\u00ed si jednodu\u0161e objedn\u00e1te, doma si ho vyzkou\u0161\u00edte a otestujete a uhrad\u00edte ho do 30 dn\u016f od doru\u010den\u00ed. Pokud zjist\u00edte, \u017ee pro v\u00e1s produkt nen\u00ed to prav\u00e9 o\u0159echov\u00e9, jednodu\u0161e ho vr\u00e1t\u00edte, ani\u017e by v\u00e1m n\u00e1kup zbyte\u010dn\u011b blokoval pen\u00edze. A\u010dkoliv je tato platebn\u00ed metoda<\/a> na \u010desk\u00e9m trhu st\u00e1le trochu nov\u00e1\u010dkem, objevuje jej\u00ed v\u00fdhody st\u00e1le v\u00edce lid\u00ed.<\/p>\n\n\n\n

4. Zapisujte si p\u0159\u00e1n\u00ed<\/h2>\n\n\n\n

Nakupujete impulzivn\u011b a bez rozmyslu? Mo\u017en\u00e1 je to t\u00edm, \u017ee vlastn\u011b nem\u00e1te p\u0159ehled o tom, co vlastn\u011b pot\u0159ebujete nebo chcete<\/strong>. V takov\u00e9m p\u0159\u00edpad\u011b snadn\u011bji podlehnete n\u00e1kupn\u00edmu \u0161\u00edlenstv\u00ed a po\u0159\u00edd\u00edte si dal\u0161\u00ed v\u011bc, kterou ve skute\u010dnosti nepot\u0159ebujete. Tohoto zlozvyku se zbav\u00edte t\u00edm, \u017ee si vytvo\u0159\u00edte seznam p\u0159\u00e1n\u00ed neboli wishlist, do n\u011bho\u017e si budete pr\u016fb\u011b\u017en\u011b zapisovat, co byste si cht\u011bli po\u0159\u00eddit. Seznam pak m\u016f\u017eete podle pot\u0159eby aktualizovat a vy\u0161krt\u00e1vat z n\u011bj polo\u017eky, kter\u00e9 nepot\u0159ebujete nebo u\u017e jste si je po\u0159\u00eddili.
<\/p>\n\n\n\n

Wishlist nemus\u00ed b\u00fdt jen pap\u00edrov\u00fd, existuj\u00ed toti\u017e mobiln\u00ed aplikace<\/a> nebo internetov\u00e9 port\u00e1ly, kter\u00e9 v\u00e1m umo\u017en\u00ed d\u00e1t sv\u00fdm p\u0159\u00e1n\u00edm podobu elektronick\u00e9ho seznamu. Do n\u011bj si m\u016f\u017eete ukl\u00e1dat odkazy do e-shop\u016f nebo obr\u00e1zky, abyste m\u011bli inspiraci p\u011bkn\u011b pohromad\u011b. Virtu\u00e1ln\u00ed wishlist nav\u00edc m\u016f\u017eete sd\u00edlet s partnerem, rodinou \u010di kamar\u00e1dy<\/strong>, co\u017e je praktick\u00e9 t\u0159eba p\u0159ed V\u00e1noci, kdy si va\u0161i bl\u00edzc\u00ed l\u00e1mou hlavu s t\u00edm, jak\u00fd d\u00e1rek by v\u00e1s nejv\u00edc pot\u011b\u0161il.
<\/p>\n\n\n\n

5. Recyklujte<\/h2>\n\n\n\n

T\u0159\u00edd\u011bn\u00ed odpadu je nepochybn\u011b z\u00e1slu\u017en\u00e1 \u010dinnost, kter\u00e1 by pro ka\u017ed\u00e9ho m\u011bla b\u00fdt samoz\u0159ejmost\u00ed. My ale m\u00e1me na mysli trochu jinou recyklaci. A\u017e budete p\u0159\u00ed\u0161t\u011b n\u011bco sh\u00e1n\u011bt, zkuste krom\u011b e-shop\u016f zap\u00e1trat tak\u00e9 v internetov\u00fdch bazarech<\/strong>, jako jsou Aukro, Bazo\u0161 nebo Letgo, nebo n\u00e1kupn\u00edch skupin\u00e1ch na soci\u00e1ln\u00edch s\u00edt\u00edch<\/strong>. Ostatn\u011b Facebook u\u017e p\u0159ed p\u00e1r lety spustil slu\u017ebu Marketplace, kter\u00e1 umo\u017e\u0148uje prodej zbo\u017e\u00ed mezi u\u017eivateli. Kdy\u017e budete m\u00edt \u0161t\u011bst\u00ed, m\u016f\u017eete tak objevit t\u00e9m\u011b\u0159 nov\u00e9 produkty, kter\u00e9 se aktu\u00e1ln\u00edmu majiteli zrovna nehod\u00ed, i u\u010din\u011bn\u00e9 poklady za skv\u011bl\u00e9 ceny.
<\/p>\n\n\n\n

N\u00e1kupy z druh\u00e9 ruky maj\u00ed ekonomick\u00fd i ekologick\u00fd dopad \u2013 krom\u011b toho, \u017ee u\u0161et\u0159\u00edte a d\u00e1te novou \u0161anci v\u011bci, kter\u00e1 by jinak skon\u010dila v popelnici<\/strong>, tak\u00e9 prosp\u011bjete \u017eivotn\u00edmu prost\u0159ed\u00ed. Stejn\u00fdm zp\u016fsobem se m\u016f\u017eete v\u011bc\u00ed tak\u00e9 zbavovat \u2013 jednodu\u0161e jim najdete nov\u00e9 majitele. Vystaven\u00ed na internet zabere p\u00e1r minut, vyd\u011bl\u00e1te si, a nav\u00edc n\u011bkomu ud\u011bl\u00e1te radost.
<\/p>\n","protected":false},"excerpt":{"rendered":"

I kdy\u017e p\u0159\u00edpady podvodn\u00edk\u016f, kte\u0159\u00ed lidem bez jejich v\u011bdom\u00ed vyluxuj\u00ed \u00fa\u010det, nejsou ojedin\u011bl\u00e9, pravda je takov\u00e1, \u017ee n\u011bkdy je nejt\u011b\u017e\u0161\u00ed vlastn\u00ed pen\u00edze uhl\u00eddat p\u0159ed sebou sam\u00fdm. M\u00e1te sklony utr\u00e1cet v\u00edce, ne\u017e je zdr\u00e1vo? Neda\u0159\u00ed se v\u00e1m \u0161et\u0159it, i kdy\u017e v\u00edte, \u017ee by to bylo rozumn\u00e9? Zkrotit v\u00fddaje a dostat dom\u00e1c\u00ed rozpo\u010det do rovnov\u00e1hy nen\u00ed tak t\u011b\u017ek\u00e9, jak by se mohlo zd\u00e1t. Porad\u00edme v\u00e1m, jak na to.<\/p>\n","protected":false},"author":6,"featured_media":274,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[38,17,23,21,24],"class_list":["post-262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-investice","tag-odlozena-platba","tag-pujcka","tag-platebni-metody","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\n5 tip\u016f, kter\u00e9 v\u00e1m pomohou k vyrovnan\u00e9mu rozpo\u010dtu | Skip Pay<\/title>\n<meta name=\"description\" content=\"\u2757 P\u0159\u00edjmy by m\u011bly p\u0159evy\u0161ovat v\u00fddaje.\u2757 \u0158ada \u010cech\u016f m\u00e1 pot\u00ed\u017ee toto z\u00e1kladn\u00ed pravidlo dodr\u017eovat. 5 tip\u016f, jak ne\u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b. \u261d\" \/>\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-udrzet-vydaje-na-uzde\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 tip\u016f, kter\u00e9 v\u00e1m pomohou k vyrovnan\u00e9mu rozpo\u010dtu | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"\u2757 P\u0159\u00edjmy by m\u011bly p\u0159evy\u0161ovat v\u00fddaje.\u2757 \u0158ada \u010cech\u016f m\u00e1 pot\u00ed\u017ee toto z\u00e1kladn\u00ed pravidlo dodr\u017eovat. 5 tip\u016f, jak ne\u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b. \u261d\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/5-tipu-jak-udrzet-vydaje-na-uzde\/\" \/>\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=\"2019-04-26T15:00:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T11:50:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/04\/MP_jak_usetrit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\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-udrzet-vydaje-na-uzde\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/5-tipu-jak-udrzet-vydaje-na-uzde\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Neum\u00edte \u0161et\u0159it? 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