{"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":"<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=\"Prep\u00ednanie tabu\u013eky obsahu\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Prep\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\/sk\/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\/sk\/5-tips-to-save-money-in-2023\/#1_Set_aside_savings\" >1. Odlo\u017ei\u0165 \u00faspory<\/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\/sk\/5-tips-to-save-money-in-2023\/#2_Move_your_credit_card_balance_to_a_0_interest_card\" >2. Presu\u0148te zostatok na kreditnej karte na \u00farokov\u00fa kartu 0%<\/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\/sk\/5-tips-to-save-money-in-2023\/#3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\" >3. Zbavte sa nepou\u017e\u00edvan\u00fdch \u010dlenstiev a predplatn\u00fdch, ktor\u00e9 plat\u00edte, ale nepou\u017e\u00edvate.<\/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\/sk\/5-tips-to-save-money-in-2023\/#4_Switch_to_a_cheaper_contract_free_mobile_plan\" >4. Prejdite na lacnej\u0161\u00ed mobiln\u00fd pau\u0161\u00e1l bez zmluvy<\/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\/sk\/5-tips-to-save-money-in-2023\/#5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\" >5. Prejdite na dom\u00e1cu k\u00e1vu a presta\u0148te kupova\u0165 balen\u00fa vodu<\/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\/sk\/5-tips-to-save-money-in-2023\/#Conclusion\" >Z\u00e1ver<\/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 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\"><span class=\"ez-toc-section\" id=\"1_Set_aside_savings\"><\/span>1. <strong>Odlo\u017ei\u0165 \u00faspory<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"2_Move_your_credit_card_balance_to_a_0_interest_card\"><\/span>2. <strong>Presunutie zostatku na kreditnej karte s \u00farokom 0%<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\"><\/span>3. <strong>Zbavte sa nepou\u017e\u00edvan\u00fdch \u010dlenstiev a predplatn\u00fdch, za ktor\u00e9 plat\u00edte, ale nepou\u017e\u00edvate ich<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"4_Switch_to_a_cheaper_contract_free_mobile_plan\"><\/span>4. <strong>Prechod na lacnej\u0161\u00ed mobiln\u00fd pau\u0161\u00e1l bez zmluvy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\"><\/span>5. <strong>Prejdite na dom\u00e1cu k\u00e1vu a presta\u0148te kupova\u0165 balen\u00fa vodu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Z\u00e1ver<\/strong><span class=\"ez-toc-section-end\"><\/span><\/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>\u00davod 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 investova\u0165 peniaze. Pretrv\u00e1vaj\u00faca kr\u00edza \u017eivotn\u00fdch n\u00e1kladov v\u0161ak \u0161etrenie s\u0165a\u017euje a \u0161t\u00fadie ukazuj\u00fa, \u017ee 60% Britov o\u010dak\u00e1va, \u017ee ich \u00fa\u010dty sa zv\u00fd\u0161ia o 100 libier...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/sk\/5-tips-to-save-money-in-2023\/\">\u010c\u00edtajte viac<\/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\/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}]}}