{"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\/et\/5-tips-to-save-money-in-2023\/","title":{"rendered":"5 n\u00f5uannet raha s\u00e4\u00e4stmiseks aastal 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\">Sisukord<\/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=\"Sisukorra vaheldumine\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/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\/et\/5-tips-to-save-money-in-2023\/#Introduction\" >Sissejuhatus<\/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\/et\/5-tips-to-save-money-in-2023\/#1_Set_aside_savings\" >1. Pane s\u00e4\u00e4stud k\u00f5rvale<\/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\/et\/5-tips-to-save-money-in-2023\/#2_Move_your_credit_card_balance_to_a_0_interest_card\" >2. Viige oma krediitkaardi saldo \u00fcle 0% intressiga kaardile.<\/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\/et\/5-tips-to-save-money-in-2023\/#3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\" >3. Vabanege kasutamata liikmeskondadest ja tellimustest, mille eest te maksate, kuid mida te ei kasuta.<\/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\/et\/5-tips-to-save-money-in-2023\/#4_Switch_to_a_cheaper_contract_free_mobile_plan\" >4. \u00dcleminek odavamale, lepinguvabale mobiilipaketile<\/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\/et\/5-tips-to-save-money-in-2023\/#5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\" >5. \u00dcleminek omatehtud kohvile ja l\u00f5petage pudelivee ostmine.<\/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\/et\/5-tips-to-save-money-in-2023\/#Conclusion\" >Kokkuv\u00f5te<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Sissejuhatus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Uus aasta on seotud suurte motivatsioonide ja otsustega. Paljud meist on alustanud aastat suurte eesm\u00e4rkidega, mis aitavad meil s\u00e4\u00e4sta v\u00f5i <a href=\"https:\/\/blog.lebara.co.uk\/et\/the-top-5-investment-apps-for-beginners\/\">investeerida<\/a> raha. J\u00e4tkuv elukalliduse kriis raskendab aga s\u00e4\u00e4stmist ja uuringud n\u00e4itavad, et <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/cost-of-living-crunch-hits-households\/\">60% brittidest eeldab, et nende arved t\u00f5usevad l\u00e4hikuudel 100 naela v\u00f5i rohkem.<\/a>, mis t\u00f5en\u00e4oliselt survestab teie rahaasju veelgi.<\/p>\n\n\n\n<p>Kuid on veel nutikaid viise, kuidas oma raskelt teenitud raha s\u00e4\u00e4sta.  Me oleme v\u00e4lja pakkunud 5 lihtsat n\u00f5uannet, mis aitavad teil oma <a href=\"https:\/\/blog.lebara.co.uk\/et\/the-top-five-budget-smartphones-in-the-uk\/\">eelarve<\/a> natuke kaugemale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Set_aside_savings\"><\/span>1. <strong>Pane s\u00e4\u00e4stud k\u00f5rvale<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esimene samm raha s\u00e4\u00e4stmiseks on panna k\u00f5rvale teatud protsent oma sissetulekust, mille te lihtsalt s\u00e4\u00e4state v\u00f5i investeerite. Seda saate teha, kui v\u00f5tate endale harjumuseks panna k\u00f5rvale raha, mida te <a href=\"https:\/\/blog.lebara.co.uk\/et\/how-to-transfer-apps-to-a-new-phone\/\">\u00fcleandmine<\/a> oma arvelduskontolt hoiukontole v\u00f5i seadistades otsekorralduse, mis kannab automaatselt iga kuu kindlaksm\u00e4\u00e4ratud summa kohe, kui teie palk laekub. Kui teete seda, on lihtsam oma s\u00e4\u00e4stmiseesm\u00e4rke j\u00e4rgida.<\/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>Viige oma krediitkaardi saldo \u00fcle 0% intressiga kaardile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kui teil on krediitkaardil saldo, v\u00f5ib olla aeg kaaluda selle saldo \u00fclekandmist 0% intressiga kaardile. Seda t\u00fc\u00fcpi kaarti saab kasutada kahel viisil: kas kanda oma praegune saldo \u00fcle ja tasuda see j\u00e4rk-j\u00e4rgult maha (mis s\u00e4\u00e4stab pikemas perspektiivis raha) v\u00f5i teha suuremaid oste uue kaardiga, makstes samal ajal iga kuu v\u00f5imalikult palju \u00e4ra (ja vahetades siis tagasi, kui soodusperiood on m\u00f6\u00f6das).<\/p>\n\n\n\n<p>0% intressikaardi omamine ei ole vabandus liigseks kulutamiseks, olge alati t\u00e4helepanelik, et kulutate ainult seda, mida saate endale lubada, ja pidage meeles, et teie eesm\u00e4rk on s\u00e4\u00e4sta raha! &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>Vabanege kasutamata liikmeskondadest ja tellimustest, mille eest te maksate, kuid mida te ei kasuta.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>T\u00fchista kasutamata liikmemaksud ja tellimused, mille eest sa maksad, kuid mida sa ei kasuta.<\/p>\n\n\n\n<p>Kui olete maksnud j\u00f5usaalile kuutasu, kuid kasutate seda harva, siis kaaluge, kas saate kodus treenida v\u00f5i alustada m\u00f5nda tasuta spordiala, n\u00e4iteks jooksmist v\u00f5i jooksmist.<\/p>\n\n\n\n<p>Kaaluge ka selliste tellimuste, nagu muusika-, video- ja muude meelelahutusliku sisu teenuste t\u00fchistamist, mida teil on liiga palju ja mida te ei pruugi kasutada. Vaadake l\u00e4bi kontrollnimekiri k\u00f5igist teie tellimustest ja v\u00e4hendage k\u00f5iki, mida olete viimase kolme kuu jooksul kasutanud v\u00e4hem kui korra.<\/p>\n\n\n\n<p>Kontrollige ka, kas m\u00f5ni teie teenus pakub pere- v\u00f5i majapidamispaketti, et saaksite kulude jagamise kaudu s\u00e4\u00e4sta m\u00f5ne teise pereliikmega\/majapidamisega!<\/p>\n\n\n\n<p>Te olete \u00fcllatunud, kui palju need v\u00e4ikesed asjad aja jooksul kokku annavad.<\/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>\u00dcleminek odavamale, lepinguvabale mobiilipaketile<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pikad mobiililepingud, mille tingimustesse on sisse ehitatud iga-aastane hinnat\u00f5us, v\u00f5ivad aja jooksul kulusid t\u00f5eliselt suurendada. Kui teie praegune mobiilileping hakkab peagi l\u00f5ppema, soovitame vahetada odavama ja paindlikuma variandi kasuks <a href=\"https:\/\/blog.lebara.co.uk\/et\/is-a-sim-only-phone-worth-having\/\">Ainult SIM-kaart<\/a> kava. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/\">Lebara<\/a> pakub 30-p\u00e4evaseid jooksvaid pakkumisi alates 5 GB andmeside eest k\u00f5igest 5 naelsterlingist. Kui vajate rohkem andmeid v\u00f5i minuteid, valige 10GB - piiramatu paketi valikust - k\u00f5ik fikseeritud hinnaga ja v\u00f5imalus igal ajal ilma trahvita v\u00f5i tasuta muuta \/ t\u00fchistada.<\/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>\u00dcleminek omatehtud kohvile ja l\u00f5petage pudelivee ostmine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kui te olete \u00fcks neist tuhandetest brittidest, kes kulutavad terve varanduse kohvi ostmisele, siis kaaluge, kas minna \u00fcle kodus\/kontoris tassi valmistamisele v\u00f5i isegi investeerida m\u00f5nusasse kohvimasinasse, mis v\u00f5ib aidata teil pikemas perspektiivis raha s\u00e4\u00e4sta.  Hoidke peenemad latte ja cappuccino'd juhuslikuks maiustamiseks!<\/p>\n\n\n\n<p>&nbsp;L\u00f5petage ka pudelivee ostmine. Sellega ei aita sa mitte ainult planeeti, v\u00e4hendades tarbetut plasti, vaid s\u00e4\u00e4stad ka tublisti raha oma taskusse. Hankige korduvkasutatav veepudel ja kandke seda kaasas, et te ei peaks p\u00e4evasel v\u00e4ljas\u00f5idul asjatult poes joogi j\u00e4rele peatuma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Kokkuv\u00f5te<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Loodame, et need n\u00e4pun\u00e4ited aitavad teil raha s\u00e4\u00e4sta! Kui otsid v\u00f5imalusi, kuidas teenida lisaraha ja samal ajal ka s\u00e4\u00e4sta - vaata m\u00f5ned n\u00f5uanded, kuidas seda teha mugavalt oma kodus&nbsp; <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/quick-easy-ways-to-earn-extra-cash-from-the-comfort-of-home\/\">siin.<\/a><\/p>\n\n\n\n<p><strong>Vastutusn\u00f5ue<\/strong>: See artikkel on \u00fcldist laadi, mis k\u00e4sitleb tavalisi s\u00e4\u00e4stmisviise, ja seda ei tohi v\u00f5tta kui professionaalset finantsn\u00f5ustamist. Enne mis tahes finantstoodete, n\u00e4iteks krediitkaartide\/ pangakontode avamist peate r\u00e4\u00e4kima tunnustatud finantsn\u00f5ustajaga.<\/p>","protected":false},"excerpt":{"rendered":"<p>Sissejuhatus Uus aasta on seotud suurte motivatsioonide ja otsustega. Paljud meist on alustanud aastat suurte eesm\u00e4rkidega, mis aitavad meil raha s\u00e4\u00e4sta v\u00f5i investeerida. J\u00e4tkuv elukalliduse kriis raskendab aga s\u00e4\u00e4stmist ja uuringud n\u00e4itavad, et 60% brittidest ootab, et nende arved t\u00f5usevad 100 naelsterlingi v\u00f5rra...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/et\/5-tips-to-save-money-in-2023\/\">Loe edasi<\/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\/et\/wp-json\/wp\/v2\/posts\/650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":4,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":2866,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/posts\/650\/revisions\/2866"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/et\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}