{"id":428,"date":"2021-08-22T08:58:46","date_gmt":"2021-08-22T07:58:46","guid":{"rendered":"http:\/\/10.202.100.126\/gb\/en\/blog\/?p=428"},"modified":"2021-09-22T08:59:12","modified_gmt":"2021-09-22T07:59:12","slug":"reducing-your-monthly-outgoings-practical-tips-for-families","status":"publish","type":"post","link":"https:\/\/blog.lebara.co.uk\/sl\/reducing-your-monthly-outgoings-practical-tips-for-families\/","title":{"rendered":"Zmanj\u0161anje mese\u010dnih izdatkov: Prakti\u010dni nasveti za dru\u017eine"},"content":{"rendered":"<p>Dru\u017einsko \u017eivljenje je lahko tako drago kot razburkano. Od stro\u0161kov <a href=\"https:\/\/blog.lebara.co.uk\/sl\/the-top-7-recipe-apps\/\">hrana<\/a> do nakupovanja obla\u010dil, stro\u0161kov poslovanja <a href=\"https:\/\/blog.lebara.co.uk\/sl\/can-passengers-use-mobile-phones-in-cars\/\">avto<\/a> poleg najemnine ali hipoteke je veliko stro\u0161kov, ki se hitro pove\u010dajo in zmanj\u0161ajo va\u0161e ban\u010dno stanje.<\/p>\n\n\n\n<p>Zato je var\u010devanje za dru\u017eine, zlasti za star\u0161e z majhnimi otroki, lahko te\u017eavno. Zlahka opazujete, kako se va\u0161 var\u010devalni ra\u010dun zmanj\u0161uje, dolg na kreditnih karticah pa nara\u0161\u010da, vendar lahko z nekaj prakti\u010dnimi nasveti za var\u010devanje z denarjem zmanj\u0161ate stro\u0161ke, ki jih ima va\u0161a mlada dru\u017eina.<\/p>\n\n\n\n<p>U\u010denje var\u010devanja se lahko zdi zastra\u0161ujo\u010de, vendar lahko z malo trdega dela in predanosti prihranite veliko denarja, ki ga lahko namenite za prihodnost svoje dru\u017eine.<\/p>\n\n\n\n<p>\u010ce i\u0161\u010dete najbolj\u0161e na\u010dine za var\u010devanje pri ra\u010dunih in drugih stro\u0161kih v letu 2021, vam predstavljamo nekaj prakti\u010dnih na\u010dinov, s katerimi lahko zmanj\u0161ate svoje mese\u010dne izdatke in hkrati u\u017eivate v \u017eivljenju.<\/p>\n\n\n\n<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\">Kazalo vsebine<\/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=\"Toggle Tabela vsebine\"><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\/sl\/reducing-your-monthly-outgoings-practical-tips-for-families\/#Understand_Where_Your_Money_Is_Going\" >Razumite, kam gre va\u0161 denar<\/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\/sl\/reducing-your-monthly-outgoings-practical-tips-for-families\/#Buy_Essentials_In_Bulk\" >Nakup osnovnih izdelkov v razsutem stanju<\/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\/sl\/reducing-your-monthly-outgoings-practical-tips-for-families\/#Save_Money_On_Your_Phone_Plan\" >Prihranite denar za telefonski na\u010drt<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understand_Where_Your_Money_Is_Going\"><\/span>Razumite, kam gre va\u0161 denar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Prvi korak k var\u010devanju je, da razumete, kam se vsak mesec steka denar. Zapi\u0161ite vse, kar porabite, in preverite, ali lahko na kak\u0161nem podro\u010dju zmanj\u0161ate svoje stro\u0161ke.<\/p>\n\n\n\n<p>\u010ce imate na primer naro\u010dnine ali vsak mesec pla\u010dujete storitve pretakanja, vendar jih ne uporabljate v celoti, vam lahko pomaga, \u010de nekatere od njih ukinete.<\/p>\n\n\n\n<p>\u010ce poleg tega nastavite trajni nalog na vse var\u010devalne ra\u010dune, ki jih imate v svojem imenu, lahko za\u010dnete var\u010devati, ne da bi se za to kakor koli trudili. Uporabite prese\u017eek denarja, ki ga imate zdaj, ko ste racionalizirali svoje dru\u017einske finance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Buy_Essentials_In_Bulk\"><\/span>Nakup osnovnih izdelkov v razsutem stanju<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Poleg stanovanjskih stro\u0161kov, zavarovanja avtomobila in drugih ra\u010dunov je eden najve\u010djih stro\u0161kov ve\u010dine dru\u017ein <a href=\"https:\/\/blog.lebara.co.uk\/sl\/how-does-face-recognition-on-mobile-phones-work\/\">obraz<\/a> je stro\u0161ek hrane in <a href=\"https:\/\/blog.lebara.co.uk\/sl\/how-to-keep-your-phone-clean\/\">\u010di\u0161\u010denje<\/a> izdelkov za dom in dru\u017einske \u010dlane.<\/p>\n\n\n\n<p>Z nakupom v razsutem stanju izdelkov, ki niso pokvarljivi, kot so ri\u017e, testenine, belilo in \u0161ampon v razsutem stanju, lahko vsak mesec prihranite veliko denarja, ki ga lahko porabite za druge stvari. <a href=\"https:\/\/blog.lebara.co.uk\/sl\/the-best-apps-for-couples-in-a-long-distance-relationship\/\">ljubezen<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Save_Money_On_Your_Phone_Plan\"><\/span>Prihranite denar za telefonski na\u010drt<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pla\u010devanje pogodbe za pametni telefon je lahko drago, zlasti \u010de imate drag vodilni model in morate vsak mesec odpla\u010devati stro\u0161ke zanj.<\/p>\n\n\n\n<p>Najbolj\u0161i na\u010din za var\u010devanje z denarjem <a href=\"https:\/\/blog.lebara.co.uk\/sl\/the-iphone-13-our-guide\/\">mobilni<\/a> pokritost je odpla\u010dati pogodbo, potem razmislite o <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/best-sim-only-deals\/c\/simo-contract\" target=\"_blank\" rel=\"noreferrer noopener\">Na\u010drt samo za SIM<\/a>. Z na\u0161imi ponudbami samo za SIM lahko dobite kar najve\u010d <a href=\"https:\/\/blog.lebara.co.uk\/sl\/how-to-find-out-what-network-youre-on\/\">omre\u017eje<\/a> pokritost, ki jo potrebujete, ne da bi bili vezani na pogodbo.<\/p>\n\n\n\n<p>Na\u010drt lahko prekli\u010dete ob koncu meseca, ga nadgradite in dobite bolj\u0161o ponudbo ali uporabite <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/bolton\" target=\"_blank\" rel=\"noreferrer noopener\">dodatki<\/a> in si zagotovite potrebne podatke, minute in sporo\u010dila.<\/p>\n\n\n\n<p>S temi prilagodljivimi na\u010drti si lahko zagotovite odli\u010dno kritje, ne da bi bili vezani na pogodbo. \u010ce potrebujete nov telefon, lahko kupite poceni telefon ali <a href=\"http:\/\/10.202.100.126\/gb\/en\/blog\/the-factors-to-think-about-when-choosing-a-refurbished-smartphone\/\" target=\"_blank\" rel=\"noreferrer noopener\">razmislite o obnovljenem mobilnem telefonu<\/a> da dobite kakovostno napravo ceneje kot novo.<\/p>\n\n\n\n<p>\u010ce \u017eelite zaslu\u017eiti denar od doma in izbolj\u0161ati dru\u017einske finance, se lahko pridru\u017eite na\u0161i <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/how-to-refer-and-earn\" target=\"_blank\" rel=\"noreferrer noopener\">Priporo\u010dite in zaslu\u017eite<\/a> shema.<\/p>\n\n\n\n<p>Z upo\u0161tevanjem tega vodnika in proaktivnim prevzemanjem nadzora nad dru\u017einskimi financami lahko zmanj\u0161ate dru\u017einsko porabo in nekaj denarja namenite za prihodnost svoje dru\u017eine.<\/p>","protected":false},"excerpt":{"rendered":"<p>Dru\u017einsko \u017eivljenje je lahko tako drago kot razburkano. Od stro\u0161kov za hrano do nakupovanja obla\u010dil, od stro\u0161kov za vo\u017enjo avtomobila do najemnine ali hipoteke - veliko je stro\u0161kov, ki se hitro kopi\u010dijo in zmanj\u0161ujejo va\u0161e ban\u010dno stanje. Zato je var\u010devanje za dru\u017eine, zlasti za star\u0161e, lahko te\u017eavno...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/sl\/reducing-your-monthly-outgoings-practical-tips-for-families\/\">Preberite ve\u010d<\/a><\/div>","protected":false},"author":5,"featured_media":0,"comment_status":"closed","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":[30],"class_list":["post-428","post","type-post","status-publish","format-standard","hentry","category-savings","tag-savings","clearfix",false],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts\/428","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/comments?post=428"}],"version-history":[{"count":1,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts\/428\/revisions"}],"predecessor-version":[{"id":430,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts\/428\/revisions\/430"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/media?parent=428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/categories?post=428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/tags?post=428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}