{"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":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"P\u0159epnut\u00ed tabulky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">P\u0159ep\u00edna\u010d<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#Introduction\" >\u00davod<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#1_Set_aside_savings\" >1. Set aside savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#2_Move_your_credit_card_balance_to_a_0_interest_card\" >2. Move your credit card balance to a 0% interest card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\" >3. Get rid of unused memberships and subscriptions you&#8217;re paying for but don&#8217;t use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#4_Switch_to_a_cheaper_contract_free_mobile_plan\" >4. Switch to a cheaper, contract free mobile plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\" >5. Switch to homemade coffee and stop buying bottled water<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/#Conclusion\" >Z\u00e1v\u011br<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>\u00davod<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"1_Set_aside_savings\"><\/span>1. <strong>Odlo\u017een\u00ed \u00faspor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"2_Move_your_credit_card_balance_to_a_0_interest_card\"><\/span>2. <strong>P\u0159esunut\u00ed z\u016fstatku na kreditn\u00ed kart\u011b s \u00farokem 0%<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\"><\/span>3. <strong>Zbavte se nepou\u017e\u00edvan\u00fdch \u010dlenstv\u00ed a p\u0159edplatn\u00e9ho, kter\u00e9 plat\u00edte, ale nepou\u017e\u00edv\u00e1te.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"4_Switch_to_a_cheaper_contract_free_mobile_plan\"><\/span>4. <strong>P\u0159echod na levn\u011bj\u0161\u00ed mobiln\u00ed tarif bez smlouvy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\"><\/span>5. <strong>P\u0159ejd\u011bte na dom\u00e1c\u00ed k\u00e1vu a p\u0159esta\u0148te kupovat balenou vodu.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Z\u00e1v\u011br<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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>\u00davod Nov\u00fd rok je ve znamen\u00ed velk\u00fdch motivac\u00ed a rozhodnut\u00ed. Mnoho z n\u00e1s za\u010dalo rok s velk\u00fdmi c\u00edli, kter\u00e9 n\u00e1m maj\u00ed pomoci u\u0161et\u0159it nebo investovat pen\u00edze. Pokra\u010duj\u00edc\u00ed krize \u017eivotn\u00edch n\u00e1klad\u016f v\u0161ak spo\u0159en\u00ed zt\u011b\u017euje a studie ukazuj\u00ed, \u017ee 60% Brit\u016f o\u010dek\u00e1v\u00e1, \u017ee jejich \u00fa\u010dty vzrostou o 100 liber...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/cs\/5-tips-to-save-money-in-2023\/\">P\u0159e\u010dt\u011bte si v\u00edce<\/a><\/div>","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}]}}