{"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\/sk\/5-tips-to-save-money-in-2023\/","title":{"rendered":"5 tipov, ako u\u0161etri\u0165 peniaze v roku 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>\u00davod<\/strong><\/h2>\n\n\n\n<p>Nov\u00fd rok je o ve\u013ek\u00fdch motiv\u00e1ci\u00e1ch a rozhodnutiach. Mnoh\u00ed z n\u00e1s za\u010dali rok s ve\u013ek\u00fdmi cie\u013emi, ktor\u00e9 n\u00e1m maj\u00fa pom\u00f4c\u0165 u\u0161etri\u0165 alebo <a href=\"https:\/\/blog.lebara.co.uk\/sk\/the-top-5-investment-apps-for-beginners\/\">investova\u0165<\/a> peniaze. Pretrv\u00e1vaj\u00faca kr\u00edza \u017eivotn\u00fdch n\u00e1kladov v\u0161ak \u0161etrenie s\u0165a\u017euje a \u0161t\u00fadie ukazuj\u00fa, \u017ee <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/cost-of-living-crunch-hits-households\/\">60% Britov o\u010dak\u00e1va, \u017ee ich \u00fa\u010dty sa v nasleduj\u00facich mesiacoch zv\u00fd\u0161ia o 100 libier alebo viac<\/a>, \u010do pravdepodobne e\u0161te viac za\u0165a\u017e\u00ed va\u0161e financie.<\/p>\n\n\n\n<p>St\u00e1le v\u0161ak existuj\u00fa \u0161ikovn\u00e9 sp\u00f4soby, ako u\u0161etri\u0165 \u0165a\u017eko zaroben\u00e9 peniaze.  Pripravili sme pre v\u00e1s 5 jednoduch\u00fdch tipov, ktor\u00e9 v\u00e1m pom\u00f4\u017eu <a href=\"https:\/\/blog.lebara.co.uk\/sk\/the-top-five-budget-smartphones-in-the-uk\/\">rozpo\u010det<\/a> o k\u00fasok \u010falej.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. <strong>Odlo\u017ei\u0165 \u00faspory<\/strong><\/h2>\n\n\n\n<p>Prv\u00fdm krokom k \u0161etreniu pe\u0148az\u00ed je odlo\u017ei\u0165 si ur\u010dit\u00e9 percento z pr\u00edjmu, ktor\u00e9 budete jednoducho \u0161etri\u0165 alebo investova\u0165. M\u00f4\u017eete to urobi\u0165 tak, \u017ee si zvyknete odklada\u0165 hotovos\u0165, ktor\u00fa <a href=\"https:\/\/blog.lebara.co.uk\/sk\/how-to-transfer-apps-to-a-new-phone\/\">prenos<\/a> z be\u017en\u00e9ho \u00fa\u010dtu na sporiaci \u00fa\u010det alebo nastaven\u00edm priameho inkasa, ktor\u00e9 ka\u017ed\u00fd mesiac automaticky prevedie ur\u010dit\u00fa sumu hne\u010f po pr\u00edchode v\u00e1\u0161ho platu. Ak to urob\u00edte, bude jednoduch\u0161ie dodr\u017eiava\u0165 svoje ciele v oblasti \u00faspor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. <strong>Presunutie zostatku na kreditnej karte s \u00farokom 0%<\/strong><\/h2>\n\n\n\n<p>Ak m\u00e1te na kreditnej karte zostatok, mo\u017eno je na\u010dase zv\u00e1\u017ei\u0165 jeho presun na kartu s \u00farokom 0%. Tento typ karty m\u00f4\u017eete vyu\u017ei\u0165 dvoma sp\u00f4sobmi: bu\u010f si na \u0148u prenesiete svoj s\u00fa\u010dasn\u00fd zostatok a postupne ho splat\u00edte (\u010do v\u00e1m z dlhodob\u00e9ho h\u013eadiska u\u0161etr\u00ed peniaze), alebo budete s novou kartou realizova\u0165 v\u00e4\u010d\u0161ie n\u00e1kupy, pri\u010dom ka\u017ed\u00fd mesiac splat\u00edte \u010do najviac (a po skon\u010den\u00ed propaga\u010dn\u00e9ho obdobia prejdete sp\u00e4\u0165).<\/p>\n\n\n\n<p>\u00darokov\u00e1 karta 0% nie je ospravedlnen\u00edm pre nadmern\u00e9 v\u00fddavky, v\u017edy dbajte na to, aby ste m\u00ed\u0148ali len to, \u010do si m\u00f4\u017eete dovoli\u0165, a nezab\u00fadajte, \u017ee va\u0161\u00edm cie\u013eom je \u0161etri\u0165 peniaze! &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. <strong>Zbavte sa nepou\u017e\u00edvan\u00fdch \u010dlenstiev a predplatn\u00fdch, za ktor\u00e9 plat\u00edte, ale nepou\u017e\u00edvate ich<\/strong><\/h2>\n\n\n\n<p>Zru\u0161te nepou\u017e\u00edvan\u00e9 \u010dlenstvo a predplatn\u00e9, ktor\u00e9 plat\u00edte, ale nepou\u017e\u00edvate.<\/p>\n\n\n\n<p>Ak plat\u00edte mesa\u010dn\u00fd poplatok za posil\u0148ov\u0148u, ale vyu\u017e\u00edvate ju len zriedka, zv\u00e1\u017ete, \u010di m\u00f4\u017eete cvi\u010di\u0165 doma alebo sa venova\u0165 bezplatn\u00e9mu \u0161portu, napr\u00edklad joggingu alebo behu.<\/p>\n\n\n\n<p>Zv\u00e1\u017ete aj zru\u0161enie predplatn\u00e9ho, napr\u00edklad hudobn\u00fdch, video a in\u00fdch slu\u017eieb z\u00e1bavn\u00e9ho obsahu, ktor\u00fdch m\u00e1te pr\u00edli\u0161 ve\u013ea a ktor\u00e9 nemus\u00edte vyu\u017e\u00edva\u0165. Prejdite si kontroln\u00fd zoznam v\u0161etk\u00fdch predplatn\u00fdch, ktor\u00e9 m\u00e1te, a obmedzte v\u0161etky, ktor\u00e9 ste za posledn\u00e9 tri mesiace pou\u017eili menej ako raz.<\/p>\n\n\n\n<p>Tie\u017e si overte, \u010di niektor\u00e1 z va\u0161ich slu\u017eieb pon\u00faka rodinn\u00e9 pl\u00e1ny alebo pl\u00e1ny pre dom\u00e1cnos\u0165, aby ste sa mohli podeli\u0165 o n\u00e1klady s niektor\u00fdmi \u010fal\u0161\u00edmi \u010dlenmi va\u0161ej rodiny\/dom\u00e1cnosti a u\u0161etri\u0165 na nich!<\/p>\n\n\n\n<p>Budete prekvapen\u00ed, ako ve\u013emi sa tieto drobnosti \u010dasom zr\u00e1taj\u00fa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. <strong>Prechod na lacnej\u0161\u00ed mobiln\u00fd pau\u0161\u00e1l bez zmluvy<\/strong><\/h2>\n\n\n\n<p>Dlhodob\u00e9 zmluvy na mobiln\u00e9 slu\u017eby s ro\u010dn\u00fdm zvy\u0161ovan\u00edm cien zakomponovan\u00fdm do podmienok m\u00f4\u017eu \u010dasom skuto\u010dne zv\u00fd\u0161i\u0165 n\u00e1klady. Ak sa bl\u00ed\u017ei koniec va\u0161ej s\u00fa\u010dasnej mobilnej zmluvy, odpor\u00fa\u010dame v\u00e1m prejs\u0165 na lacnej\u0161iu flexibiln\u00fa mo\u017enos\u0165 <a href=\"https:\/\/blog.lebara.co.uk\/sk\/is-a-sim-only-phone-worth-having\/\">Iba SIM karta<\/a> pl\u00e1n. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/\">Lebara<\/a> pon\u00faka 30-d\u0148ov\u00e9 k\u013azav\u00e9 ponuky u\u017e od 5 GBP za 5 GB d\u00e1t. Ak potrebujete viac d\u00e1t alebo min\u00fat, vyberte si z ponuky 10GB - neobmedzen\u00fd pl\u00e1n - v\u0161etko s pevn\u00fdmi cenami a mo\u017enos\u0165ou kedyko\u013evek zmeni\u0165\/zru\u0161i\u0165 bez ak\u00fdchko\u013evek sankci\u00ed alebo zadarmo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. <strong>Prejdite na dom\u00e1cu k\u00e1vu a presta\u0148te kupova\u0165 balen\u00fa vodu<\/strong><\/h2>\n\n\n\n<p>Ak patr\u00edte medzi tis\u00edce Britov, ktor\u00ed m\u00ed\u0148aj\u00fa cel\u00e9 bohatstvo na n\u00e1kup k\u00e1vy vonku, zv\u00e1\u017ete, \u010di si nechcete za\u010da\u0165 pripravova\u0165 k\u00e1vu doma\/kancel\u00e1rii alebo dokonca investova\u0165 do pekn\u00e9ho k\u00e1vovaru, ktor\u00fd v\u00e1m mo\u017eno pom\u00f4\u017ee u\u0161etri\u0165 peniaze z dlhodob\u00e9ho h\u013eadiska.  Fantastick\u00e9 latte a cappuccino si nechajte na ob\u010dasn\u00e9 posedenie!<\/p>\n\n\n\n<p>&nbsp;Tie\u017e presta\u0148te kupova\u0165 balen\u00fa vodu. Nielen\u017ee pom\u00f4\u017eete plan\u00e9te t\u00fdm, \u017ee obmedz\u00edte zbyto\u010dn\u00fd plast, ale u\u0161etr\u00edte aj poriadny bal\u00edk pe\u0148az\u00ed vo svojom vrecku. K\u00fapte si f\u013ea\u0161u na vodu na opakovan\u00e9 pou\u017eitie a noste ju so sebou, aby ste sa po\u010das d\u0148a nemuseli zbyto\u010dne zastavova\u0165 v obchode pre n\u00e1poj.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1ver<\/strong><\/h2>\n\n\n\n<p>D\u00fafame, \u017ee v\u00e1m tieto tipy pom\u00f4\u017eu u\u0161etri\u0165 nejak\u00e9 peniaze! Ak h\u013ead\u00e1te sp\u00f4soby, ako si zarobi\u0165 peniaze navy\u0161e a z\u00e1rove\u0148 u\u0161etri\u0165 - pozrite si nieko\u013eko tipov, ako to urobi\u0165 z pohodlia domova.&nbsp; <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/quick-easy-ways-to-earn-extra-cash-from-the-comfort-of-home\/\">tu.<\/a><\/p>\n\n\n\n<p><strong>Zrieknutie sa zodpovednosti<\/strong>: Tento \u010dl\u00e1nok m\u00e1 v\u0161eobecn\u00fd charakter a t\u00fdka sa be\u017en\u00fdch sp\u00f4sobov sporenia a nemo\u017eno ho pova\u017eova\u0165 za profesion\u00e1lne finan\u010dn\u00e9 poradenstvo. Pred prijat\u00edm ak\u00fdchko\u013evek finan\u010dn\u00fdch produktov, ako s\u00fa kreditn\u00e9 karty\/otvorenie bankov\u00fdch \u00fa\u010dtov, sa mus\u00edte poradi\u0165 s uzn\u00e1van\u00fdm finan\u010dn\u00fdm poradcom.<\/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\/sk\/wp-json\/wp\/v2\/posts\/650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/comments?post=650"}],"version-history":[{"count":4,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":2866,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/posts\/650\/revisions\/2866"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sk\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}