{"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\/sl\/5-tips-to-save-money-in-2023\/","title":{"rendered":"5 nasvetov za var\u010devanje z denarjem v letu 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\">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\/5-tips-to-save-money-in-2023\/#Introduction\" >Uvod<\/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\/5-tips-to-save-money-in-2023\/#1_Set_aside_savings\" >1. Odlo\u017eite prihranke<\/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\/5-tips-to-save-money-in-2023\/#2_Move_your_credit_card_balance_to_a_0_interest_card\" >2. Prenesite stanje na kreditni kartici na kartico z obrestno mero 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\/sl\/5-tips-to-save-money-in-2023\/#3_Get_rid_of_unused_memberships_and_subscriptions_youre_paying_for_but_dont_use\" >3. Znebite se neuporabljenih \u010dlanstev in naro\u010dnin, ki jih pla\u010dujete, a jih ne uporabljate.<\/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\/sl\/5-tips-to-save-money-in-2023\/#4_Switch_to_a_cheaper_contract_free_mobile_plan\" >4. Prehod na cenej\u0161i mobilni paket brez pogodbe<\/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\/sl\/5-tips-to-save-money-in-2023\/#5_Switch_to_homemade_coffee_and_stop_buying_bottled_water\" >5. Preklopite na doma\u010do kavo in prenehajte kupovati ustekleni\u010deno vodo<\/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\/sl\/5-tips-to-save-money-in-2023\/#Conclusion\" >Zaklju\u010dek<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Uvod<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Novo leto je namenjeno velikim spodbudam in odlo\u010ditvam. Mnogi med nami so leto za\u010deli z velikimi cilji, ki nam bodo pomagali prihraniti ali <a href=\"https:\/\/blog.lebara.co.uk\/sl\/the-top-5-investment-apps-for-beginners\/\">vlaganje<\/a> denar. Vendar je zaradi nenehne krize \u017eivljenjskih stro\u0161kov vse te\u017eje var\u010devati, \u0161tudije pa ka\u017eejo, da <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/cost-of-living-crunch-hits-households\/\">60% Britancev pri\u010dakuje, da se bodo njihovi ra\u010duni v prihodnjih mesecih zvi\u0161ali za 100 funtov ali ve\u010d<\/a>, kar bo verjetno \u0161e dodatno obremenilo va\u0161e finance.<\/p>\n\n\n\n<p>Vendar \u0161e vedno obstajajo pametni na\u010dini, kako prihraniti te\u017eko prislu\u017eeni denar.  Pripravili smo 5 preprostih nasvetov, ki vam lahko pomagajo raztegniti <a href=\"https:\/\/blog.lebara.co.uk\/sl\/the-top-five-budget-smartphones-in-the-uk\/\">prora\u010dun<\/a> \u0161e malo dlje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Set_aside_savings\"><\/span>1. <strong>Odlo\u017eite prihranke<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Prvi korak k var\u010devanju je, da dolo\u010den odstotek dohodka namenite var\u010devanju ali vlaganju. To lahko storite tako, da imate navado odlagati denar, ki ga <a href=\"https:\/\/blog.lebara.co.uk\/sl\/how-to-transfer-apps-to-a-new-phone\/\">prenos<\/a> s teko\u010dega ra\u010duna na var\u010devalni ra\u010dun ali z nastavitvijo neposredne bremenitve, ki vsak mesec samodejno prenese dolo\u010den znesek takoj po prejemu pla\u010de. Tako boste la\u017eje sledili svojim var\u010devalnim ciljem.<\/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>Prenos stanja na kreditni kartici na kartico z 0% obrestno mero<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u010ce imate na kreditni kartici stanje, je morda \u010das, da razmislite o prenosu stanja na kartico z 0% obrestmi. Tovrstno kartico lahko uporabite na dva na\u010dina: prenesete lahko trenutno stanje in ga postopoma odpla\u010dujete (kar vam bo dolgoro\u010dno prihranilo denar) ali pa z novo kartico opravljate ve\u010dje nakupe, pri \u010demer vsak mesec odpla\u010date \u010dim ve\u010d (in po koncu promocijskega obdobja preidete nazaj).<\/p>\n\n\n\n<p>Obrestna kartica 0% ni izgovor za pretirano porabo, vedno se zavedajte, da porabite le toliko, kolikor si lahko privo\u0161\u010dite, in ne pozabite, da je va\u0161 cilj prihraniti denar! &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>znebite se neuporabljenih \u010dlanstev in naro\u010dnin, ki jih pla\u010dujete, a jih ne uporabljate.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Prekli\u010dite neuporabljena \u010dlanstva in naro\u010dnine, ki jih pla\u010dujete, vendar jih ne uporabljate.<\/p>\n\n\n\n<p>\u010ce pla\u010dujete mese\u010dno \u010dlanarino za telovadnico, vendar jo le redko uporabljate, razmislite, ali lahko vadite doma ali se lotite brezpla\u010dnega \u0161porta, na primer teka.<\/p>\n\n\n\n<p>Razmislite tudi o preklicu naro\u010dnin, kot so glasbene, video in druge storitve zabavnih vsebin, ki jih imate preve\u010d in jih ne uporabljate nujno. Preglejte kontrolni seznam vseh naro\u010dnin, ki jih imate, in zmanj\u0161ajte \u0161tevilo naro\u010dnin, ki ste jih v zadnjih treh mesecih uporabili manj kot enkrat.<\/p>\n\n\n\n<p>Preverite tudi, ali katera od storitev ponuja dru\u017einske ali gospodinjske na\u010drte, da si lahko stro\u0161ke delite z drugimi \u010dlani dru\u017eine\/domovini in tako prihranite!<\/p>\n\n\n\n<p>Presene\u010deni boste, koliko se te malenkosti s\u010dasoma pove\u010dajo.<\/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>Prehod na cenej\u0161i mobilni na\u010drt brez pogodbe<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dolgoro\u010dne pogodbe za mobilne storitve z vklju\u010denimi letnimi povi\u0161anji cen lahko s\u010dasoma resni\u010dno pove\u010dajo stro\u0161ke. \u010ce se vam izteka trenutna pogodba za mobilne storitve, vam predlagamo, da preidete na cenej\u0161o prilagodljivo mo\u017enost <a href=\"https:\/\/blog.lebara.co.uk\/sl\/is-a-sim-only-phone-worth-having\/\">Samo SIM<\/a> na\u010drt. <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/\">Lebara<\/a> ponuja 30-dnevne teko\u010de ponudbe od samo 5 \u00a3 za 5 GB podatkov. \u010ce potrebujete ve\u010d podatkov ali minut, lahko izbirate med 10 GB in neomejenimi paketi - vsi s fiksnimi cenami in mo\u017enostjo spremembe\/odpovedi kadar koli brez kazni ali brezpla\u010dno.<\/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>Preklopite na doma\u010do kavo in prenehajte kupovati ustekleni\u010deno vodo<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u010ce ste eden od tiso\u010dih Britancev, ki za nakup kave zunaj zapravijo celo premo\u017eenje, razmislite o tem, da bi si kavo pripravljali doma ali v pisarni ali celo investirali v lep aparat za kavo, ki vam lahko dolgoro\u010dno pomaga prihraniti denar.  Prefinjene latte in kapu\u010dine obdr\u017eite za ob\u010dasne pribolj\u0161ke!<\/p>\n\n\n\n<p>&nbsp;Prav tako prenehajte kupovati ustekleni\u010deno vodo. S tem ne boste le pomagali planetu, saj boste zmanj\u0161ali koli\u010dino nepotrebne plastike, temve\u010d boste prihranili tudi nekaj denarja v svojem \u017eepu. Priskrbite si plastenko za ve\u010dkratno uporabo in jo imejte s seboj, da se vam na izletu ne bo treba po nepotrebnem ustavljati v trgovini po pija\u010do.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Zaklju\u010dek<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Upamo, da vam bodo ti nasveti pomagali prihraniti nekaj denarja! \u010ce i\u0161\u010dete na\u010dine, kako zaslu\u017eiti dodaten denar in hkrati prihraniti, si oglejte nekaj nasvetov, kako to storiti v udobju svojega doma.&nbsp; <a href=\"https:\/\/mobile.lebara.com\/gb\/en\/blog\/quick-easy-ways-to-earn-extra-cash-from-the-comfort-of-home\/\">tukaj.<\/a><\/p>\n\n\n\n<p><strong>Izjava o omejitvi odgovornosti<\/strong>: Ta \u010dlanek je splo\u0161ne narave za obi\u010dajne na\u010dine var\u010devanja in se ne sme obravnavati kot strokovno finan\u010dno svetovanje. Preden se odlo\u010dite za kakr\u0161ne koli finan\u010dne produkte, kot so kreditne kartice\/odprtje ban\u010dnih ra\u010dunov, se morate posvetovati s priznanim finan\u010dnim svetovalcem.<\/p>","protected":false},"excerpt":{"rendered":"<p>Uvod Novo leto je \u010das velikih spodbud in odlo\u010ditev. Mnogi med nami so leto za\u010deli z velikimi cilji, ki naj bi nam pomagali pri var\u010devanju ali vlaganju denarja. Vendar je zaradi nenehne krize \u017eivljenjskih stro\u0161kov vse te\u017eje var\u010devati in \u0161tudije ka\u017eejo, da 60% Britancev pri\u010dakuje, da se bodo njihovi ra\u010duni zvi\u0161ali za 100 funtov...<\/p>\n<div><a class=\"read-more button-link\" href=\"https:\/\/blog.lebara.co.uk\/sl\/5-tips-to-save-money-in-2023\/\">Preberite ve\u010d<\/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\/sl\/wp-json\/wp\/v2\/posts\/650","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=650"}],"version-history":[{"count":4,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts\/650\/revisions"}],"predecessor-version":[{"id":2866,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/posts\/650\/revisions\/2866"}],"wp:attachment":[{"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/media?parent=650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/categories?post=650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lebara.co.uk\/sl\/wp-json\/wp\/v2\/tags?post=650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}