{"id":35144,"date":"2022-01-08T05:00:00","date_gmt":"2022-01-08T04:00:00","guid":{"rendered":"https:\/\/www.mzone.cz\/?p=35144"},"modified":"2022-01-05T20:32:59","modified_gmt":"2022-01-05T19:32:59","slug":"jak-v-novem-roce-chytre-usetrit","status":"publish","type":"post","link":"https:\/\/www.mzone.cz\/en\/jak-v-novem-roce-chytre-usetrit\/","title":{"rendered":"4 tipy, jak v nov\u00e9m roce chyt\u0159e u\u0161et\u0159it"},"content":{"rendered":"

Abyste se v nov\u00e9m roce vyhnuli finan\u010dn\u00ed nestabilit\u011b, p\u0159in\u00e1\u0161\u00edme n\u011bkolik praktick\u00fdch tip\u016f. Kdy\u017e budete finance a v\u00fddaje vhodn\u011b pl\u00e1novat a \u0161et\u0159it na spr\u00e1vn\u00fdch m\u00edstech, zvl\u00e1dnete je i tento rok uko\u010d\u00edrovat.<\/strong><\/p>
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1. Pl\u00e1nujte si v\u00fddaje<\/h2>\n\n\n\n

Nestabilitu rodinn\u00fdch financ\u00ed nej\u010dast\u011bji zp\u016fsobuje zmatek ve v\u00fddaj\u00edch. P\u0159ehled o tom, kolik jsme v dan\u00e9m obdob\u00ed utratili, \u010di jak\u00e9 v\u00fddaje n\u00e1s je\u0161t\u011b v nejbli\u017e\u0161\u00ed dob\u011b \u010dekaj\u00ed, lze snadno ztratit. Nemluv\u011b o p\u0159ehledu, kdy n\u00e1s \u010dekaj\u00ed kvart\u00e1ln\u00ed \u010di pololetn\u00ed platby poji\u0161t\u011bn\u00ed dom\u00e1cnosti, automobilu \u010di dal\u0161\u00ed fixn\u00ed \u010d\u00e1stky, \u010dasto dosahuj\u00edc\u00ed vy\u0161\u0161\u00edch tis\u00edc\u016f.<\/p>
\n\n\n\n

\u201eAbyste dostali sv\u00e9 finance pod kontrolu a u\u0161et\u0159ili tam, kde zbyte\u010dn\u011b pl\u00fdtv\u00e1te, mus\u00edte m\u00edt nejprve dobr\u00fd p\u0159ehled o v\u0161ech v\u00fddaj\u00edch. Ide\u00e1ln\u00edm startem je soupis v\u00fddaj\u016f a p\u0159\u00edjm\u016f posledn\u00edho roku a odhad leto\u0161n\u00edho v\u00fdvoje. Nen\u00ed d\u016fle\u017eit\u00e9, zda p\u0159ehled budete m\u00edt v notesu, na pap\u00ed\u0159e nebo v chytr\u00e9 aplikaci v mobilu. Je ale nutn\u00e9, aby odpov\u00eddal pohybu financ\u00ed v dan\u00e9m obdob\u00ed,\u201c \u0159\u00edk\u00e1 Martin Steiner z BNP Paribas Cardif Poji\u0161\u0165ovny.<\/p>
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\"V\u00fddaje<\/figure>
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2. U\u0161et\u0159ete na provozu auta<\/h2>\n\n\n\n

Provoz automobilu je v mnoha rodin\u00e1ch \u010dernou d\u00edrou na pen\u00edze. Drah\u00e9 po\u0159\u00edzen\u00ed, \u010dasto na spl\u00e1tky, opravy, poji\u0161t\u011bn\u00ed, pneumatiky a pohonn\u00e9 hmoty, to v\u0161e st\u00e1le leze do pen\u011bz. U\u0161et\u0159it se p\u0159itom d\u00e1 t\u0159eba tak, \u017ee budete jezdit sd\u00edlen\u00fdmi automobily.<\/p>\n\n\n\n

Pokud toti\u017e nenajezd\u00edte v\u00edce ne\u017e 10 tis\u00edc kilometr\u016f, pak se v\u00e1m vlastnit auto nevyplat\u00ed, to vypl\u00fdv\u00e1 ze zku\u0161enosti i kalkulac\u00ed expert\u016f. Se sd\u00edlen\u00fdm vozem pak plat\u00edte pouze za pou\u017e\u00edv\u00e1n\u00ed automobilu, v\u0161echny ostatn\u00ed n\u00e1klady jsou na provozovateli.\u00a0<\/p><\/blockquote>\n\n\n\n

\u201ePro lidi, kte\u0159\u00ed automobilem tolik nejezd\u00ed, je v\u00fdhodn\u011bj\u0161\u00ed vyu\u017e\u00edvat flotilu sd\u00edlen\u00fdch voz\u016f. Finan\u010dn\u011b to vyjde do hranice 10 tis. km za rok levn\u011bji a m\u00e1te pak j\u00edzdu bez starost\u00ed. Stejn\u011b tak se sd\u00edlen\u00e9 auto vyplat\u00ed rodin\u00e1m jako druh\u00fd v\u016fz, kter\u00fd je ob\u010das pot\u0159eba,\u201c \u0159\u00edk\u00e1 Milan Beutl, \u0159editel spole\u010dnosti Anytime.<\/p>
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\"Carsharing<\/figure>
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3. Sledujte srovn\u00e1va\u010de cen<\/h2>\n\n\n\n

Nen\u00ed nic jednodu\u0161\u0161\u00edho ne\u017e pomoc\u00ed internetov\u00e9ho srovn\u00e1va\u010de zjistit, zda po\u0159izovanou v\u011bc nejde koupit jinde levn\u011bji. Na port\u00e1lech typu Heureka.cz<\/a> nebo Zbozi.cz<\/a> najdete b\u011bhem p\u00e1r minut tu nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku na po\u017eadovan\u00fd produkt. M\u016f\u017eete takto u\u0161et\u0159it i tis\u00edce korun. A tak\u00e9 si pro\u010d\u00edst recenze u\u017eivatel\u016f na vybran\u00fd v\u00fdrobek, stejn\u011b tak na prodejce.<\/p>\n\n\n\n

Pozor ale na podez\u0159ele levn\u00e9 nab\u00eddky, m\u016f\u017ee se jednat o neseri\u00f3zn\u00edho prodejce. Zde se ur\u010dit\u011b vyplat\u00ed pro\u010d\u00edst reference na dan\u00e9m port\u00e1lu i jinde na internetu.\u00a0<\/p><\/blockquote>\n\n\n\n

\"N\u00e1kupy<\/figure>
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4. Za\u010dn\u011bte budovat chytrou dom\u00e1cnost<\/h2>\n\n\n\n

M\u00e1lokter\u00e9 v\u00fddaje dnes lidi d\u011bs\u00ed v\u00edce ne\u017e \u00fa\u010dty za energie. Investovat do technologi\u00ed chytr\u00e9 dom\u00e1cnosti, kter\u00e9 pomohou dr\u017eet na uzd\u011b pl\u00fdtv\u00e1n\u00ed elekt\u0159inou, plynem i t\u0159eba vodou, se vyplat\u00ed.<\/p>\n\n\n\n

Aplikace toti\u017e mohou pomoci automaticky sni\u017eovat teplotu v m\u00edstnosti, kdy\u017e v n\u00ed nikdo nen\u00ed, chyt\u0159e zhas\u00ednat p\u0159i odchodu z m\u00edstnosti a mnoh\u00e9 dal\u0161\u00ed praktick\u00e9 v\u011bci. Ka\u017edop\u00e1dn\u011b v\u00e1m ale nejen usnadn\u00ed a zp\u0159\u00edjemn\u00ed fungov\u00e1n\u00ed v dom\u00e1cnosti, ale tak\u00e9 u\u0161et\u0159\u00ed.\u00a0<\/p><\/blockquote>\n\n\n\n

\u201eDoporu\u010dujeme za\u0159izov\u00e1n\u00ed chytr\u00e9 dom\u00e1cnosti dob\u0159e pl\u00e1novat a jednotliv\u00e9 prvky sladit do jednoho syst\u00e9mu. Vr\u00e1t\u00ed se v\u00e1m to pak jednoduchost\u00ed a pohodl\u00edm cel\u00e9ho ovl\u00e1d\u00e1n\u00ed. Nejen \u017ee pak d\u00edky chytr\u00fdm\u00a0aplikac\u00edm u\u0161et\u0159\u00edte \u010das i pen\u00edze, ale nav\u00edc si budete moci u\u017e\u00edvat jejich velmi jednoduch\u00e9 a p\u0159\u00edjemn\u00e9 ovl\u00e1d\u00e1n\u00ed,\u201c \u0159\u00edk\u00e1 Kamil Dunaj ze spole\u010dnosti Getberg.<\/p>
\n\n\n\n

\"Vyt\u00e1p\u011bn\u00ed\"<\/a><\/figure>
\n

10 tip\u016f, jak u\u0161et\u0159it za vyt\u00e1p\u011bn\u00ed<\/a><\/h4>
\n<\/div><\/div>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Abyste se v nov\u00e9m roce vyhnuli finan\u010dn\u00ed nestabilit\u011b, p\u0159in\u00e1\u0161\u00edme n\u011bkolik praktick\u00fdch tip\u016f. Kdy\u017e budete finance a v\u00fddaje vhodn\u011b pl\u00e1novat a \u0161et\u0159it na spr\u00e1vn\u00fdch m\u00edstech, zvl\u00e1dnete je i tento rok uko\u010d\u00edrovat. 1. Pl\u00e1nujte si v\u00fddaje Nestabilitu rodinn\u00fdch financ\u00ed nej\u010dast\u011bji zp\u016fsobuje zmatek ve v\u00fddaj\u00edch. P\u0159ehled o tom, kolik jsme v dan\u00e9m obdob\u00ed utratili, \u010di jak\u00e9 v\u00fddaje n\u00e1s […]<\/p>\n","protected":false},"author":4,"featured_media":35148,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"kk_blocks_editor_width":"","_kiokenblocks_attr":"","_kiokenblocks_dimensions":"","footnotes":""},"categories":[29,25],"tags":[1089,611,17,3261,1663,141,482,5303,2761,490,1577],"class_list":["post-35144","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-style","tag-domacnost","tag-finance","tag-lifestyle","tag-novy-rok","tag-penize","tag-rady","tag-rady-a-tipy","tag-rok-2022","tag-setreni","tag-style","tag-vydaje"],"yoast_head":"\n4 tipy, jak v nov\u00e9m roce chyt\u0159e u\u0161et\u0159it - Mzone<\/title>\n<meta name=\"description\" content=\"Abyste se v nov\u00e9m roce vyhnuli finan\u010dn\u00ed nestabilit\u011b, p\u0159in\u00e1\u0161\u00edme n\u011bkolik praktick\u00fdch tip\u016f. Kdy\u017e budete finance a v\u00fddaje vhodn\u011b pl\u00e1novat a \u0161et\u0159it na spr\u00e1vn\u00fdch m\u00edstech, zvl\u00e1dnete je i tento rok uko\u010d\u00edrovat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mzone.cz\/en\/jak-v-novem-roce-chytre-usetrit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 tipy, jak v nov\u00e9m roce chyt\u0159e u\u0161et\u0159it - Mzone\" \/>\n<meta property=\"og:description\" content=\"Abyste se v nov\u00e9m roce vyhnuli finan\u010dn\u00ed nestabilit\u011b, p\u0159in\u00e1\u0161\u00edme n\u011bkolik praktick\u00fdch tip\u016f. 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