{"id":33901,"date":"2026-03-27T12:17:30","date_gmt":"2026-03-27T11:17:30","guid":{"rendered":"https:\/\/www.sharesub.com\/cms\/tippek-a-koltsegvetes-kezelesehez-es-a-takarekossaghoz\/"},"modified":"2026-04-14T12:06:45","modified_gmt":"2026-04-14T10:06:45","slug":"tippek-a-koltsegvetes-kezelesehez-es-a-takarekossaghoz","status":"publish","type":"post","link":"https:\/\/www.sharesub.com\/cms\/hu\/tippek-a-koltsegvetes-kezelesehez-es-a-takarekossaghoz\/","title":{"rendered":"Tippek a k\u00f6lts\u00e9gvet\u00e9s kezel\u00e9s\u00e9hez \u00e9s a takar\u00e9koss\u00e1ghoz"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Havi k\u00f6lts\u00e9gvet\u00e9s\u00fcnk tartalmazza a b\u00e9rleti d\u00edjat, az \u00e1ramot, a telefon-, internet- \u00e9s multim\u00e9dia-el\u0151fizet\u00e9seket. Fedezze fel a tippeket a k\u00f6lts\u00e9gvet\u00e9s optimaliz\u00e1l\u00e1s\u00e1hoz \u00e9s t\u00f6bb sz\u00e1z vagy ezer eur\u00f3 megtakar\u00edt\u00e1s\u00e1hoz<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb8 F\u0151bb kiad\u00e1si t\u00e9telek<\/h2>\n\n<p class=\"wp-block-paragraph\">\u00c1tlagos havi kiad\u00e1saink <strong>meghaladj\u00e1k az 1000 eur\u00f3t<\/strong>. Ezek a k\u00f6lts\u00e9gek az elm\u00falt harminc \u00e9v sor\u00e1n meredeken emelkedtek, mivel az 1960-as \u00e9vekben a k\u00f6lts\u00e9gvet\u00e9s kevesebb mint 12%-\u00e1t tett\u00e9k ki, m\u00edg ma m\u00e1r mintegy 30%-\u00e1t. Ez a jelent\u0151s n\u00f6veked\u00e9s nyilv\u00e1nval\u00f3an a v\u00e1s\u00e1rl\u00f3er\u0151 cs\u00f6kken\u00e9s\u00e9t t\u00fckr\u00f6zi. Az <strong>els\u0151 kiad\u00e1si t\u00e9tel nyilv\u00e1nval\u00f3an az ingatlan<\/strong>, ahol a b\u00e9rleti d\u00edjak vagy a hitelt\u00f6rleszt\u00e9s megk\u00f6zel\u00edti a 650 eur\u00f3t. Mindig is ez volt a f\u0151 t\u00e9tel, de az ingatlan\u00e1rak emelked\u00e9s\u00e9vel ez az ar\u00e1ny m\u00e9g tov\u00e1bb n\u0151tt.<\/p>\n\n<p class=\"wp-block-paragraph\">A k\u00f6vetkez\u0151 legnagyobb kiad\u00e1si t\u00e9telek a k\u00f6zleked\u00e9s: a j\u00e1rm\u0171vekre, a j\u00e1rm\u0171vek karbantart\u00e1s\u00e1ra \u00e9s benzinre, valamint a t\u00f6megk\u00f6zleked\u00e9sre \u00e1tlagosan 223 eur\u00f3t k\u00f6lt\u00f6ttek. Azt\u00e1n az ell\u00e1t\u00e1s \u00e9s az eg\u00e9szs\u00e9g\u00fcgy k\u00f6lts\u00e9gei \u00e1ltal\u00e1ban, bele\u00e9rtve az eg\u00e9szs\u00e9gbiztos\u00edt\u00e1s k\u00f6lts\u00e9geit is, alig t\u00f6bb mint sz\u00e1z eur\u00f3\u00e9rt. V\u00e9g\u00fcl ott vannak az <strong>internet- \u00e9s telefon-el\u0151fizet\u00e9si d\u00edjak<\/strong> (ingyenes, narancs, sfr&#8230;), valamint a vide\u00f3- \u00e9s zenei<strong> streaming-szolg\u00e1ltat\u00e1sok<\/strong>, mint p\u00e9ld\u00e1ul a netflix \u00e9s a spotify.<\/p>\n\n<p class=\"wp-block-paragraph\">A CSA Research &#8211; LesFurets 2020. november 23-\u00e1n, h\u00e9tf\u0151n k\u00f6zz\u00e9tett tanulm\u00e1nya azt is kimutatta, hogy a <strong>25 \u00e9s 34 \u00e9v k\u00f6z\u00f6tti fiatal dolgoz\u00f3k k\u00f6ltik a legt\u00f6bbet a havi k\u00f6lts\u00e9gvet\u00e9s\u00fckh\u00f6z k\u00e9pest<\/strong>, mivel a munk\u00e1ba \u00e1ll\u00e1s dr\u00e1ga, \u00e9s a j\u00f6vedelm\u00fck alacsonyabb. Sz\u00e1mukra fontos a kiad\u00e1sok cs\u00f6kkent\u00e9se vagy optimaliz\u00e1l\u00e1sa, hogy ugyanannyi p\u00e9nz\u00e9rt j\u00f3 \u00e9letmin\u0151s\u00e9get \u00e9lvezhessenek.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb0 Hol kezdjem el cs\u00f6kkenteni a k\u00f6lts\u00e9geimet?<\/h2>\n\n<p class=\"wp-block-paragraph\">Az \u00e1ltalunk felsorolt kiad\u00e1si t\u00e9telek k\u00f6z\u00fcl a legnagyobb hat\u00e1ssal a b\u00e9rleti d\u00edj j\u00e1r, de paradox m\u00f3don ez az, amelyik a legink\u00e1bb \u00f6sszenyomhatatlan: neh\u00e9z lesz a jelenlegi lak\u00e1sn\u00e1l alacsonyabb b\u00e9rleti d\u00edjat tal\u00e1lni, \u00e9s nagyon id\u0151ig\u00e9nyes lesz a k\u00f6lt\u00f6z\u00e9s. A sz\u00e1ll\u00edt\u00e1si k\u00f6lts\u00e9gek is n\u00e9mileg \u00f6sszenyomhatatlanok, b\u00e1r n\u00e9h\u00e1ny tr\u00fckkel cs\u00f6kkenthet\u0151k. Ez\u00e9rt el\u0151sz\u00f6r a digit\u00e1lis kiad\u00e1sokra \u00f6sszpontos\u00edtunk.<\/p>\n\n<h2 class=\"wp-block-heading has-larger-font-size\">Cs\u00f6kkentse digit\u00e1lis el\u0151fizet\u00e9si k\u00f6lts\u00e9geit<\/h2>\n\n<h3 class=\"wp-block-heading\">\ud83d\udcde Wifi \u00e9s telefon<\/h3>\n\n<p class=\"wp-block-paragraph\">A leggyakoribb digit\u00e1lis el\u0151fizet\u00e9sek a wifi \u00e9s a telefon. Ahhoz, hogy megtakar\u00edt\u00e1st \u00e9rjen el ezeken a t\u00e9teleken, kezdheti a j\u00f3 aj\u00e1nlatok keres\u00e9s\u00e9vel, p\u00e9ld\u00e1ul a vente priv\u00e9e-n, amely \u00e9vente t\u00f6bbsz\u00f6r k\u00edn\u00e1l ingyenes aj\u00e1nlatokat, az \u00faj el\u0151fizet\u0151knek pedig egy \u00e9vet szinte ingyen. Ha azonban m\u00e1r rendelkezik el\u0151fizet\u00e9ssel, akkor tudnia kell, hogy mostant\u00f3l lehet\u0151s\u00e9g van az el\u0151fizet\u00e9s egyszer\u0171, ingyenes \u00e9s sz\u00e1mhordozhat\u00f3s\u00e1ggal t\u00f6rt\u00e9n\u0151 megv\u00e1ltoztat\u00e1s\u00e1ra. Ha ell\u00e1togat egy olyan webhelyre, mint az Ariase pour Internet vagy a Monpetitforfait, vonz\u00f3bb aj\u00e1nlatokat tal\u00e1lhat.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lis megtakar\u00edt\u00e1s: havi 10-30 eur\u00f3, azaz k\u00f6r\u00fclbel\u00fcl 240 eur\u00f3 \u00e9vente.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/emojipedia.org\/television\/\">\ud83d\udcfa<\/a> Netflix, Spotify, \u00fajs\u00e1gok \u00e9s j\u00e1t\u00e9kok&#8230;  <\/h3>\n\n<p class=\"wp-block-paragraph\">A streaming audio- \u00e9s vide\u00f3szolg\u00e1ltat\u00e1sok n\u00e9lk\u00fcl\u00f6zhetetlenn\u00e9 v\u00e1ltak, \u00e9s most m\u00e1r n\u00e9ha t\u00f6bb ilyen szolg\u00e1ltat\u00e1ssal is rendelkezned kell (Amazon Prime video, Disney+&#8230;), hogy k\u00f6vetni tudd azokat a filmeket \u00e9s sorozatokat, amelyeket a bar\u00e1taid aj\u00e1nlanak neked. Az alternat\u00edva? Csal\u00e1di vagy t\u00f6bb k\u00e9perny\u0151s el\u0151fizet\u00e9sre v\u00e1lt\u00e1s, mint a p\u00e9ld\u00e1ban a <strong>\n  <a href=\"https:\/\/www.sharesub.com\/hu\/brand\/amazon\">Amazon-el\u0151fizet\u00e9sek megoszt\u00e1sa<\/a>\n<\/strong> a csal\u00e1ddal \u00e9s a bar\u00e1tokkal. Az\u00e1ltal, hogy egy olyan oldal, mint a Sharesub automatikusan visszat\u00e9r\u00edti a k\u00f6lts\u00e9geket, \u00d6n csak egy helyet fizet a 4-b\u0151l vagy egy helyet a 6-b\u00f3l. Az el\u0151fizet\u00e9sek k\u00f6lts\u00e9gei elt\u0171nnek, \u00e9s m\u00e9g t\u00f6bb szolg\u00e1ltat\u00e1ssal is k\u00e9nyeztetheti mag\u00e1t.<\/p>\n\n<p class=\"wp-block-paragraph\">Potenci\u00e1lis megtakar\u00edt\u00e1s: 13-35 eur\u00f3 havonta, vagy ak\u00e1r 350 eur\u00f3 \u00e9vente. \u00c9s m\u00e9g t\u00f6bbet, ha nagyfogyaszt\u00f3 vagy, mindenf\u00e9le h\u00e1tr\u00e1ny n\u00e9lk\u00fcl!<\/p>\n\n<h3 class=\"wp-block-heading\">\u26a1 Sz\u00fcks\u00e9gtelen el\u0151fizet\u00e9sek t\u00f6rl\u00e9se<\/h3>\n\n<p class=\"wp-block-paragraph\">Az edz\u0151termed m\u00e9g mindig fizet neked minden h\u00f3napban, annak ellen\u00e9re, hogy mindketten tudjuk, hogy soha t\u00f6bb\u00e9 nem teszed be oda a l\u00e1bad? Az el\u0151fizet\u00e9s lemond\u00e1s\u00e1hoz azonban \u00e1t kell esnie a h\u00edrhedten neh\u00e9z szakaszon: aj\u00e1nlott lev\u00e9l k\u00fcld\u00e9s\u00e9n.  <\/p>\n\n<p class=\"wp-block-paragraph\">Az Ideel lehet\u0151v\u00e9 teszi, hogy n\u00e9h\u00e1ny kattint\u00e1ssal kezelje el\u0151fizet\u00e9seit, \u00e9s egy aj\u00e1nlott lev\u00e9l \u00e1r\u00e1\u00e9rt gondoskodik az \u00f6sszes lemond\u00e1si elj\u00e1r\u00e1sr\u00f3l. P\u00e9ld\u00e1ul le szeretn\u00e9 mondani a KeepCool el\u0151fizet\u00e9s\u00e9t? Mind\u00f6ssze annyit kell tennie, hogy l\u00e9trehoz egy fi\u00f3kot az Ideel-en, megadja a KeepCool el\u0151fizet\u00e9s adatait, \u00e9s r\u00e1kattint a &#8222;lemond\u00e1s&#8221; gombra. Az Ideel ezut\u00e1n mindent elint\u00e9z, \u00e9s t\u00e1j\u00e9koztatja \u00d6nt az el\u0151fizet\u00e9s lemond\u00e1s\u00e1nak k\u00fcl\u00f6nb\u00f6z\u0151 szakaszair\u00f3l.<\/p>\n\n<h2 class=\"wp-block-heading\">Cs\u00f6kkentse sz\u00e1ll\u00edt\u00e1si k\u00f6lts\u00e9geit<\/h2>\n\n<h3 class=\"wp-block-heading\">\ud83d\ude97 Aut\u00f3 \u00e9s benzin  <\/h3>\n\n<p class=\"wp-block-paragraph\">Az aut\u00f3 \u00e9s a benzin eset\u00e9ben kev\u00e9s megold\u00e1s van, ha elker\u00fclhetetlen. Az olyan biztos\u00edt\u00e1s-\u00f6sszehasonl\u00edt\u00f3k, mint a Les Furets, seg\u00edthetnek abban, hogy \u00e9vente megtakar\u00edt\u00e1sokat \u00e9rjen el, de ezek m\u00e9rs\u00e9keltek lesznek.<\/p>\n\n<p class=\"wp-block-paragraph\">A napi szint\u0171 telekocsihaszn\u00e1lat szint\u00e9n p\u00e9nzt takar\u00edt meg, ak\u00e1rcsak a b\u00e9rlet megoszt\u00e1sa. A Blablacar elind\u00edtotta a Blablalines szolg\u00e1ltat\u00e1st, amely a napi utaz\u00e1soknak szentelt, nagyon praktikus alkalmaz\u00e1ssal.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lis megtakar\u00edt\u00e1s: havi 50-150 eur\u00f3. Potenci\u00e1lisan \u00e9vi 1000 eur\u00f3, n\u00e9mi er\u0151fesz\u00edt\u00e9ssel.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\">\ud83d\udeb4\u200d\u2642\ufe0f Megv\u00e1ltoztatja a k\u00f6zleked\u00e9si m\u00f3dj\u00e1t?  <\/h3>\n\n<p class=\"wp-block-paragraph\">Ha nem lakik t\u00fal messze a munkahely\u00e9t\u0151l, a <strong>ker\u00e9kp\u00e1roz\u00e1s olcs\u00f3 alternat\u00edv\u00e1ja<\/strong> az aut\u00f3nak, s\u0151t, a t\u00f6megk\u00f6zleked\u00e9snek is. Figyelembe v\u00e9ve, hogy edz\u00e9ssel is j\u00e1r, ami j\u00f3t tesz a ny\u00e1ri testnek \ud83d\udcaa \u00edgy mindenki nyer. A pszichol\u00f3giai akad\u00e1ly a legfontosabb, amit le kell k\u00fczdeni, mert t\u00e9len vagy es\u0151ben is k\u00f6nny\u0171 a megfelel\u0151 felszerel\u00e9ssel: egy j\u00f3 ker\u00e9kp\u00e1rral, egy csomagtart\u00f3val, amely tartalmazza az es\u0151felszerel\u00e9st, \u00e9s ez a felszerel\u00e9s mag\u00e1ban foglalja az es\u0151kab\u00e1tot \u00e9s az es\u0151nadr\u00e1got. A ker\u00e9kp\u00e1rutak n\u00f6veked\u00e9s\u00e9vel, \u00e9s a ny\u00e1ri h\u00f3napokban ez egy \u00e1lom. K\u00fcl\u00f6n\u00f6sen az\u00e9rt, mert ezzel rengeteg id\u0151t takar\u00edthat meg minden nap. V\u00e9g\u00fcl, ha a munk\u00e1ltat\u00f3ja k\u00edn\u00e1l ilyet, akkor kilom\u00e9teralap\u00fa ker\u00e9kp\u00e1ros juttat\u00e1sban r\u00e9szes\u00fclhet. \u00c9s ezzel a k\u00f6lts\u00e9gvet\u00e9se ak\u00e1r null\u00e1ra is cs\u00f6kkenhet.<\/p>\n\n<p class=\"wp-block-paragraph\">A mi tan\u00e1csunk: egy ker\u00e9kp\u00e1r a munkahelyt\u0151l legfeljebb 5\/6 km-es t\u00e1vols\u00e1gokra, \u00e9s egy elektromos ker\u00e9kp\u00e1r 10\/12 km-es t\u00e1vols\u00e1gokra. Sz\u00e1njon id\u0151t a legjobb \u00fatvonal kiv\u00e1laszt\u00e1s\u00e1ra.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lis megtakar\u00edt\u00e1s: havi 40-250 eur\u00f3. Ez egy kis er\u0151fesz\u00edt\u00e9st ig\u00e9nyel, de j\u00f3 m\u00f3ka, ha az \u00fatvonal megfelel\u0151.<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/emojipedia.org\/house\/\">\ud83c\udfe0<\/a> Mi lesz az otthonomban?<\/h2>\n\n<p class=\"wp-block-paragraph\">Ez az utols\u00f3 t\u00e9tel, amit nem engedhetsz meg magadnak, hogy elvesz\u00edts. Ha m\u00e9g nincs saj\u00e1t lak\u00e1sa, \u00e9s k\u00f6lt\u00f6zni k\u00e9sz\u00fcl, a k\u00f6z\u00f6s lak\u00e1s v\u00e1rosonk\u00e9nt 5-20% k\u00f6z\u00f6tti megtakar\u00edt\u00e1st jelenthet, de ehhez sz\u00e1mos felt\u00e9telnek kell megfelelnie, \u00e9s kompromisszumokat kell k\u00f6tnie az \u00e9letm\u00f3dj\u00e1ban. Azonban, ha ez megfelel neked, ez egy lehet\u0151s\u00e9g arra is, hogy megossz\u00e1tok a wifit, a netflix el\u0151fizet\u00e9st&#8230;<\/p>\n\n<p class=\"wp-block-paragraph\">Ha nem, akkor pr\u00f3b\u00e1lja meg \u00f6sszehasonl\u00edtani a villamosenergia- \u00e9s g\u00e1zszolg\u00e1ltat\u00e1si aj\u00e1nlatokat. A megtakar\u00edt\u00e1s 10% k\u00f6r\u00fcli lesz, de az els\u0151 \u00e9vben \u00f3vakodnia kell a v\u00e9letlenszer\u0171 aj\u00e1nlatokt\u00f3l, amelyek a k\u00f6vetkez\u0151 \u00e9vekben megn\u00f6vekedhetnek. A mindennapi gesztusok, p\u00e9ld\u00e1ul a f\u0171t\u00e9s le\u00e1ll\u00edt\u00e1sa, amikor elmegy\u00fcnk, vagy egy id\u0151z\u00edt\u0151 beszerel\u00e9se a legjobb m\u00f3dja annak, hogy egy kicsit cs\u00f6kkents\u00fck a sz\u00e1ml\u00e1t.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb0 Mikrohitel a h\u00f3nap v\u00e9g\u00e9n, hogy kiseg\u00edtse \u00d6nt a h\u00f3nap v\u00e9g\u00e9n<\/h2>\n\n<p class=\"wp-block-paragraph\">Mindezen kiad\u00e1sok mellett nem lehetetlen, hogy a h\u00f3nap v\u00e9g\u00e9re elfogy a p\u00e9nz. El\u0151re nem l\u00e1that\u00f3 esem\u00e9nyek vagy p\u00e9nz\u00fcgyi v\u00e9szhelyzetek finansz\u00edroz\u00e1s\u00e1ra, \u00e9s ha nincs el\u00e9g nagy k\u00f6lts\u00e9gvet\u00e9se, akkor 24 \u00f3r\u00e1s gyorshitelt vehet fel speci\u00e1lis online platformokon. Ezek a kis \u00f6sszeg\u0171 k\u00f6lcs\u00f6n\u00f6k gyakran kis \u00f6sszegekre, 50 eur\u00f3t\u00f3l 1000 eur\u00f3ig terjed\u0151 \u00f6sszegekre vehet\u0151k fel, \u00e9s a visszafizet\u00e9s gyorsan, mind\u00f6ssze n\u00e9h\u00e1ny h\u00f3nap alatt t\u00f6rt\u00e9nik. Ha a h\u00f3nap v\u00e9g\u00e9n neh\u00e9z helyzetbe ker\u00fclsz, ezek a mikrohitelek igazi seg\u00edt\u0151 kezet jelentenek, \u00e1tv\u00e9szelik a helyzetet, \u00e9s hossz\u00fa t\u00e1von nem befoly\u00e1solj\u00e1k a k\u00f6lts\u00e9gvet\u00e9sedet!  <\/p>\n\n<p class=\"wp-block-paragraph\"><em>Rem\u00e9lj\u00fck teh\u00e1t, hogy el\u0151\u00e1llt\u00e1l n\u00e9h\u00e1ny \u00f6tlettel a havi k\u00f6lts\u00e9gvet\u00e9s cs\u00f6kkent\u00e9s\u00e9re. Biztosak vagyunk benne, hogy tudni fogja, mit kezdjen a megtakar\u00edt\u00e1ssal!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Havi k\u00f6lts\u00e9gvet\u00e9s\u00fcnk tartalmazza a b\u00e9rleti d\u00edjat, az \u00e1ramot, a telefon-, internet- \u00e9s multim\u00e9dia-el\u0151fizet\u00e9seket. Fedezze fel a tippeket a k\u00f6lts\u00e9gvet\u00e9s optimaliz\u00e1l\u00e1s\u00e1hoz \u00e9s t\u00f6bb sz\u00e1z vagy ezer&#8230;<\/p>\n","protected":false},"author":1,"featured_media":33903,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_press_lang":"hu","_press_original_id":"348","_press_pair_id":"3473879f-397f-47ec-b186-cf267dd80b46","_press_translated_at":"","footnotes":""},"categories":[116,658],"tags":[],"class_list":["post-33901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-osszehasonlitas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tippek a k\u00f6lts\u00e9gvet\u00e9s kezel\u00e9s\u00e9hez \u00e9s a takar\u00e9koss\u00e1ghoz - Sharesub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sharesub.com\/cms\/hu\/tippek-a-koltsegvetes-kezelesehez-es-a-takarekossaghoz\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tippek a k\u00f6lts\u00e9gvet\u00e9s kezel\u00e9s\u00e9hez \u00e9s a takar\u00e9koss\u00e1ghoz - Sharesub\" \/>\n<meta property=\"og:description\" content=\"Havi k\u00f6lts\u00e9gvet\u00e9s\u00fcnk tartalmazza a b\u00e9rleti d\u00edjat, az \u00e1ramot, a telefon-, internet- \u00e9s multim\u00e9dia-el\u0151fizet\u00e9seket. 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