{"id":650,"date":"2025-01-27T16:31:00","date_gmt":"2025-01-27T16:31:00","guid":{"rendered":"https:\/\/mobile.lebara.com\/gb\/en\/blog\/?p=650"},"modified":"2025-02-27T09:15:55","modified_gmt":"2025-02-27T09:15:55","slug":"5-tips-to-save-money-in-2023","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/","title":{"rendered":"5 tip\u016f, jak u\u0161et\u0159it pen\u00edze v roce 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>\u00davod<\/strong><\/h2>\n\n\n\n<p>Nov\u00fd rok je o velk\u00fdch motivac\u00edch a rozhodnut\u00edch. Mnoho z n\u00e1s za\u010dalo rok s velk\u00fdmi c\u00edli, kter\u00e9 n\u00e1m pomohou u\u0161et\u0159it nebo... <a href=\"https:\/\/blog.lebara.co.uk\/cs\/the-top-5-investment-apps-for-beginners\/\">investovat<\/a> pen\u00edze. P\u0159etrv\u00e1vaj\u00edc\u00ed krize \u017eivotn\u00edch n\u00e1klad\u016f v\u0161ak spo\u0159en\u00ed zt\u011b\u017euje a studie ukazuj\u00ed, \u017ee. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/cost-of-living-crunch-hits-households\/\">60% Brit\u016f o\u010dek\u00e1v\u00e1, \u017ee se jejich \u00fa\u010dty v nadch\u00e1zej\u00edc\u00edch m\u011bs\u00edc\u00edch zv\u00fd\u0161\u00ed o 100 liber nebo v\u00edce.<\/a>, co\u017e pravd\u011bpodobn\u011b d\u00e1le zat\u00ed\u017e\u00ed va\u0161e finance.<\/p>\n\n\n\n<p>P\u0159esto existuj\u00ed chytr\u00e9 zp\u016fsoby, jak u\u0161et\u0159it t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze.  P\u0159i\u0161li jsme s 5 jednoduch\u00fdmi tipy, kter\u00e9 v\u00e1m pomohou u\u0161et\u0159it va\u0161e pen\u00edze. <a href=\"https:\/\/blog.lebara.co.uk\/cs\/the-top-five-budget-smartphones-in-the-uk\/\">rozpo\u010det<\/a> o kousek d\u00e1l.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. <strong>Odlo\u017een\u00ed \u00faspor<\/strong><\/h2>\n\n\n\n<p>Prvn\u00edm krokem k \u00faspor\u00e1m je vy\u010dlenit ur\u010dit\u00e9 procento z p\u0159\u00edjmu, kter\u00e9 budete jednodu\u0161e spo\u0159it nebo investovat. M\u016f\u017eete to ud\u011blat tak, \u017ee si zvyknete odkl\u00e1dat stranou hotovost, kterou si <a href=\"https:\/\/blog.lebara.co.uk\/cs\/how-to-transfer-apps-to-a-new-phone\/\">p\u0159enos<\/a> z b\u011b\u017en\u00e9ho \u00fa\u010dtu na spo\u0159ic\u00ed \u00fa\u010det nebo nastaven\u00edm inkasa, kter\u00e9 automaticky p\u0159ev\u00e1d\u00ed stanovenou \u010d\u00e1stku ka\u017ed\u00fd m\u011bs\u00edc ihned po obdr\u017een\u00ed v\u00fdplaty. Kdy\u017e to ud\u011bl\u00e1te, je snaz\u0161\u00ed dr\u017eet se sv\u00fdch spo\u0159ic\u00edch c\u00edl\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. <strong>P\u0159esunut\u00ed z\u016fstatku na kreditn\u00ed kart\u011b s \u00farokem 0%<\/strong><\/h2>\n\n\n\n<p>Pokud m\u00e1te na kreditn\u00ed kart\u011b z\u016fstatek, mo\u017en\u00e1 je na\u010dase zv\u00e1\u017eit jeho p\u0159eveden\u00ed na kartu s \u00farokem 0%. Tento typ karty m\u016f\u017eete vyu\u017e\u00edt dv\u011bma zp\u016fsoby: bu\u010f na ni p\u0159ev\u00e9st sv\u016fj sou\u010dasn\u00fd z\u016fstatek a postupn\u011b ho spl\u00e1cet (co\u017e v\u00e1m z dlouhodob\u00e9ho hlediska u\u0161et\u0159\u00ed pen\u00edze), nebo na nov\u00e9 kart\u011b nakupovat v\u011bt\u0161\u00ed \u010d\u00e1stky a z\u00e1rove\u0148 ka\u017ed\u00fd m\u011bs\u00edc spl\u00e1cet co nejv\u00edce (a po skon\u010den\u00ed propaga\u010dn\u00edho obdob\u00ed p\u0159ej\u00edt zp\u011bt).<\/p>\n\n\n\n<p>\u00darokov\u00e1 karta 0% nen\u00ed omluvou pro nadm\u011brn\u00e9 utr\u00e1cen\u00ed, v\u017edy dbejte na to, abyste utr\u00e1celi jen tolik, kolik si m\u016f\u017eete dovolit, a nezapome\u0148te, \u017ee va\u0161\u00edm c\u00edlem je u\u0161et\u0159it pen\u00edze! &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. <strong>Zbavte se nepou\u017e\u00edvan\u00fdch \u010dlenstv\u00ed a p\u0159edplatn\u00e9ho, kter\u00e9 plat\u00edte, ale nepou\u017e\u00edv\u00e1te.<\/strong><\/h2>\n\n\n\n<p>Zru\u0161te nepou\u017e\u00edvan\u00e1 \u010dlenstv\u00ed a p\u0159edplatn\u00e9, kter\u00e9 plat\u00edte, ale nepou\u017e\u00edv\u00e1te.<\/p>\n\n\n\n<p>Pokud plat\u00edte m\u011bs\u00ed\u010dn\u00ed poplatek za posilovnu, ale vyu\u017e\u00edv\u00e1te ji jen z\u0159\u00eddka, zva\u017ete, zda m\u016f\u017eete cvi\u010dit doma nebo se v\u011bnovat n\u011bjak\u00e9mu bezplatn\u00e9mu sportu, nap\u0159\u00edklad b\u011bhu nebo joggingu.<\/p>\n\n\n\n<p>Zva\u017ete tak\u00e9 zru\u0161en\u00ed p\u0159edplatn\u00e9ho hudby, videa a dal\u0161\u00edch slu\u017eeb z\u00e1bavn\u00edho obsahu, kter\u00fdch m\u00e1te p\u0159\u00edli\u0161 mnoho a kter\u00e9 nutn\u011b nevyu\u017e\u00edv\u00e1te. Projd\u011bte si kontroln\u00ed seznam v\u0161ech p\u0159edplatn\u00fdch, kter\u00e1 m\u00e1te, a omezte v\u0161echna, kter\u00e1 jste v posledn\u00edch t\u0159ech m\u011bs\u00edc\u00edch vyu\u017eili m\u00e9n\u011b ne\u017e jednou.<\/p>\n\n\n\n<p>Zkontrolujte tak\u00e9, zda n\u011bkter\u00e1 z va\u0161ich slu\u017eeb nenab\u00edz\u00ed rodinn\u00e9 pl\u00e1ny nebo pl\u00e1ny pro dom\u00e1cnost, abyste mohli sd\u00edlet n\u00e1klady s dal\u0161\u00edmi \u010dleny rodiny\/dom\u00e1cnosti a u\u0161et\u0159it na nich!<\/p>\n\n\n\n<p>Budete p\u0159ekvapeni, jak moc se tyto drobnosti \u010dasem se\u010dtou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. <strong>P\u0159echod na levn\u011bj\u0161\u00ed mobiln\u00ed tarif bez smlouvy<\/strong><\/h2>\n\n\n\n<p>Dlouhodob\u00e9 smlouvy na mobiln\u00ed slu\u017eby s ka\u017edoro\u010dn\u00edm zvy\u0161ov\u00e1n\u00edm cen zabudovan\u00fdm do podm\u00ednek mohou \u010dasem skute\u010dn\u011b zv\u00fd\u0161it n\u00e1klady. Pokud se bl\u00ed\u017e\u00ed konec va\u0161\u00ed st\u00e1vaj\u00edc\u00ed mobiln\u00ed smlouvy, doporu\u010dujeme v\u00e1m p\u0159ej\u00edt na levn\u011bj\u0161\u00ed flexibiln\u00ed variantu <a href=\"https:\/\/blog.lebara.co.uk\/cs\/is-a-sim-only-phone-worth-having\/\">Pouze SIM karta<\/a> pl\u00e1n. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/\">Lebara<\/a> nab\u00edz\u00ed 30denn\u00ed klouzav\u00e9 nab\u00eddky od pouh\u00fdch 5 GBP za 5 GB dat. Pokud pot\u0159ebujete v\u00edce dat nebo minut, vyberte si z nab\u00eddky 10GB - Neomezen\u00fd tarif - v\u0161e s pevn\u00fdmi cenami a mo\u017enost\u00ed kdykoli zm\u011bnit\/zru\u0161it bez sankc\u00ed nebo zdarma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. <strong>P\u0159ejd\u011bte na dom\u00e1c\u00ed k\u00e1vu a p\u0159esta\u0148te kupovat balenou vodu.<\/strong><\/h2>\n\n\n\n<p>Pokud pat\u0159\u00edte mezi tis\u00edce Brit\u016f, kte\u0159\u00ed utr\u00e1cej\u00ed majlant za n\u00e1kup k\u00e1vy venku, zva\u017ete, zda si nechcete za\u010d\u00edt p\u0159ipravovat k\u00e1vu doma nebo v kancel\u00e1\u0159i, nebo dokonce investovat do p\u011bkn\u00e9ho k\u00e1vovaru, kter\u00fd v\u00e1m mo\u017en\u00e1 pom\u016f\u017ee u\u0161et\u0159it pen\u00edze v dlouhodob\u00e9m horizontu.  Luxusn\u00ed latt\u00e9 a cappuccino si nechte na p\u0159\u00edle\u017eitostn\u00e9 poho\u0161t\u011bn\u00ed!<\/p>\n\n\n\n<p>&nbsp;P\u0159esta\u0148te tak\u00e9 kupovat balenou vodu. Nejen\u017ee t\u00edm pom\u016f\u017eete planet\u011b, proto\u017ee omez\u00edte zbyte\u010dn\u00e9 plasty, ale tak\u00e9 u\u0161et\u0159\u00edte po\u0159\u00e1dn\u00fd bal\u00edk pen\u011bz ve sv\u00e9 kapse. Po\u0159i\u010fte si opakovan\u011b pou\u017eitelnou l\u00e1hev na vodu a noste ji s sebou, abyste se b\u011bhem dne nemuseli zbyte\u010dn\u011b zastavovat v obchod\u011b pro pit\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1v\u011br<\/strong><\/h2>\n\n\n\n<p>Douf\u00e1me, \u017ee v\u00e1m tyto tipy pomohou u\u0161et\u0159it n\u011bjak\u00e9 pen\u00edze! Pokud hled\u00e1te zp\u016fsoby, jak si vyd\u011blat pen\u00edze nav\u00edc a z\u00e1rove\u0148 u\u0161et\u0159it - pod\u00edvejte se na n\u011bkolik tip\u016f, jak toho dos\u00e1hnout z pohodl\u00ed domova.&nbsp; <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/quick-easy-ways-to-earn-extra-cash-from-the-comfort-of-home\/\">zde.<\/a><\/p>\n\n\n\n<p><strong>Odm\u00edtnut\u00ed odpov\u011bdnosti<\/strong>: Tento \u010dl\u00e1nek m\u00e1 obecn\u00fd charakter a t\u00fdk\u00e1 se b\u011b\u017en\u00fdch zp\u016fsob\u016f spo\u0159en\u00ed a nelze jej pova\u017eovat za profesion\u00e1ln\u00ed finan\u010dn\u00ed poradenstv\u00ed. P\u0159ed uzav\u0159en\u00edm jak\u00fdchkoli finan\u010dn\u00edch produkt\u016f, jako jsou kreditn\u00ed karty nebo otev\u0159en\u00ed bankovn\u00edch \u00fa\u010dt\u016f, se mus\u00edte poradit s uzn\u00e1van\u00fdm finan\u010dn\u00edm poradcem.<\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction New year is all about big motivations and determinations. Many of us have started the year with big goals to help us save or invest money. However, the ongoing cost of living crisis is making it harder to save money and studies show that 60% of Brits<\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-650","post","type-post","status-publish","format-standard","hentry","category-savings","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":4,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":2866,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/posts\/650\/revisions\/2866"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/cs\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}