{"id":16035,"date":"2026-03-27T12:17:30","date_gmt":"2026-03-27T11:17:30","guid":{"rendered":"https:\/\/www.sharesub.com\/cms\/tipy-na-riadenie-rozpoctu-a-setrenie-penazi\/"},"modified":"2026-04-14T12:06:44","modified_gmt":"2026-04-14T10:06:44","slug":"tipy-na-riadenie-rozpoctu-a-setrenie-penazi","status":"publish","type":"post","link":"https:\/\/www.sharesub.com\/cms\/sk\/tipy-na-riadenie-rozpoctu-a-setrenie-penazi\/","title":{"rendered":"Tipy na riadenie rozpo\u010dtu a \u0161etrenie pe\u0148az\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Na\u0161e mesa\u010dn\u00e9 rozpo\u010dty zah\u0155\u0148aj\u00fa n\u00e1jomn\u00e9, elektrinu, telef\u00f3n, internet a multimedi\u00e1lne predplatn\u00e9. Zistite, ako optimalizova\u0165 svoj rozpo\u010det a u\u0161etri\u0165 stovky alebo tis\u00edce eur<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb8 Hlavn\u00e9 v\u00fddavkov\u00e9 polo\u017eky<\/h2>\n\n<p class=\"wp-block-paragraph\">Na\u0161e priemern\u00e9 mesa\u010dn\u00e9 v\u00fddavky s\u00fa <strong>viac ako 1 000 EUR<\/strong>. Tieto n\u00e1klady za posledn\u00fdch tridsa\u0165 rokov prudko vzr\u00e1stli, ke\u010f\u017ee v 60. rokoch predstavovali menej ako 12 % rozpo\u010dtu, zatia\u013e \u010do dnes predstavuj\u00fa pribli\u017ene 30 %. Tento v\u00fdrazn\u00fd n\u00e1rast zjavne odr\u00e1\u017ea stratu k\u00fapnej sily. <strong>Prvou polo\u017ekou v\u00fddavkov je samozrejme majetok<\/strong>, pri\u010dom n\u00e1jomn\u00e9 alebo spl\u00e1tky \u00faverov sa bl\u00ed\u017eia k 650 EUR. To bola v\u017edy hlavn\u00e1 polo\u017eka, ale s rastom cien nehnute\u013enost\u00ed sa tento podiel e\u0161te zv\u00fd\u0161il.<\/p>\n\n<p class=\"wp-block-paragraph\">\u010eal\u0161\u00edmi najv\u00e4\u010d\u0161\u00edmi v\u00fddavkami s\u00fa v\u00fddavky na dopravu, ktor\u00e9 v priemere predstavuj\u00fa 223 EUR na vozidl\u00e1, \u00fadr\u017ebu vozidiel a benz\u00edn a na verejn\u00fa dopravu. Potom n\u00e1klady na starostlivos\u0165 a zdravie vo v\u0161eobecnosti vr\u00e1tane n\u00e1kladov na va\u0161e zdravotn\u00e9 poistenie za nie\u010do vy\u0161e sto eur. Nakoniec s\u00fa tu v\u0161etky <strong>poplatky za predplatn\u00e9 internetu a telef\u00f3nu<\/strong> (free, orange, sfr&#8230;) a<strong> slu\u017eby na streamovanie<\/strong> videa a hudby, ako napr\u00edklad netflix a spotify.<\/p>\n\n<p class=\"wp-block-paragraph\">Zo \u0161t\u00fadie spolo\u010dnosti CSA Research &#8211; LesFurets, ktor\u00e1 bola zverejnen\u00e1 v pondelok 23. novembra 2020, tie\u017e vypl\u00fdva, \u017ee  <strong>mlad\u00ed pracuj\u00faci \u013eudia vo veku 25 a\u017e 34 rokov m\u00ed\u0148aj\u00fa najviac v pomere k svojmu mesa\u010dn\u00e9mu rozpo\u010dtu<\/strong>Je to preto, \u017ee ich \u0161tart do pracovn\u00e9ho \u017eivota je n\u00e1kladn\u00fd a ich pr\u00edjmy s\u00fa ni\u017e\u0161ie. Pre nich je d\u00f4le\u017eit\u00e9 zn\u00ed\u017ei\u0165 alebo optimalizova\u0165 v\u00fddavky, aby si mohli u\u017e\u00edva\u0165 dobr\u00fa kvalitu \u017eivota za rovnak\u00fa cenu.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb0 Kde m\u00e1m za\u010da\u0165 zni\u017eova\u0165 svoje n\u00e1klady?<\/h2>\n\n<p class=\"wp-block-paragraph\">Zo v\u0161etk\u00fdch polo\u017eiek v\u00fddavkov, ktor\u00e9 sme uviedli, m\u00e1 najv\u00e4\u010d\u0161\u00ed vplyv n\u00e1jomn\u00e9, ale paradoxne je to polo\u017eka, ktor\u00e1 je najviac nekomprimovate\u013en\u00e1: bude \u0165a\u017ek\u00e9 n\u00e1js\u0165 ni\u017e\u0161ie n\u00e1jomn\u00e9 ako v s\u00fa\u010dasnom byte a ve\u013emi \u010dasovo n\u00e1ro\u010dn\u00e9 pres\u0165ahova\u0165 sa. N\u00e1klady na dopravu s\u00fa tie\u017e do istej miery nekomprimovate\u013en\u00e9, hoci nieko\u013eko trikov ich m\u00f4\u017ee pom\u00f4c\u0165 zn\u00ed\u017ei\u0165. Preto sa najprv zameriame na digit\u00e1lne v\u00fddavky.<\/p>\n\n<h2 class=\"wp-block-heading has-larger-font-size\">Zn\u00ed\u017eenie n\u00e1kladov na digit\u00e1lne predplatn\u00e9<\/h2>\n\n<h3 class=\"wp-block-heading\">\ud83d\udcde Wifi a telef\u00f3n<\/h3>\n\n<p class=\"wp-block-paragraph\">Najbe\u017enej\u0161ie digit\u00e1lne predplatn\u00e9 s\u00fa wifi a telef\u00f3n. Ak chcete na t\u00fdchto polo\u017ek\u00e1ch u\u0161etri\u0165, m\u00f4\u017eete za\u010da\u0165 vyh\u013ead\u00e1va\u0165 v\u00fdhodn\u00e9 ponuky, napr\u00edklad na str\u00e1nke vente priv\u00e9e, ktor\u00e1 nieko\u013ekokr\u00e1t ro\u010dne pon\u00faka bezplatn\u00e9 ponuky, pri\u010dom rok je pre nov\u00fdch predplatite\u013eov takmer zadarmo. Ak v\u0161ak u\u017e predplatn\u00e9 m\u00e1te, mali by ste vedie\u0165, \u017ee teraz je mo\u017en\u00e9 predplatn\u00e9 jednoducho, bezplatne a s prenosnos\u0165ou \u010d\u00edsla zmeni\u0165. Na str\u00e1nkach ako Ariase pour Internet alebo Monpetitforfait m\u00f4\u017eete n\u00e1js\u0165 \u010fal\u0161ie atrakt\u00edvne ponuky.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lne \u00faspory: 10 a\u017e 30 EUR mesa\u010dne alebo pribli\u017ene 240 EUR ro\u010dne.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/emojipedia.org\/television\/\">\ud83d\udcfa<\/a> Netflix, Spotify, noviny a hry&#8230;  <\/h3>\n\n<p class=\"wp-block-paragraph\">Streamovanie zvuku a videa sa stalo nevyhnutnos\u0165ou a teraz niekedy mus\u00edte vlastni\u0165 nieko\u013eko z nich (Amazon Prime video, Disney+&#8230;), aby ste mohli sledova\u0165 filmy a seri\u00e1ly, ktor\u00e9 v\u00e1m odpor\u00fa\u010daj\u00fa va\u0161i priatelia. Alternat\u00edva? Prepnite na rodinn\u00e9 predplatn\u00e9 alebo predplatn\u00e9 pre viacero obrazoviek, ako je to v pr\u00edklade <strong>\n  <a href=\"https:\/\/www.sharesub.com\/sk\/brand\/amazon\">zdie\u013eanie predplatn\u00e9ho Amazon<\/a>\n<\/strong> s rodinou a priate\u013emi. V\u010faka automatickej \u00fahrade zo strany str\u00e1nky, ako je Sharesub, plat\u00edte len za jedno miesto zo 4 alebo jedno miesto zo 6. N\u00e1klady na predplatn\u00e9 zmizn\u00fa a m\u00f4\u017eete si dokonca dopria\u0165 viac slu\u017eieb.<\/p>\n\n<p class=\"wp-block-paragraph\">Potenci\u00e1lne \u00faspory: 13 a\u017e 35 EUR mesa\u010dne alebo a\u017e 350 EUR ro\u010dne. A viac, ak ste ve\u013ek\u00fd spotrebite\u013e, bez nev\u00fdhod!<\/p>\n\n<h3 class=\"wp-block-heading\">\u26a1 Zru\u0161enie nepotrebn\u00fdch predplatn\u00fdch<\/h3>\n\n<p class=\"wp-block-paragraph\">St\u00e1le v\u00e1m va\u0161a posil\u0148ov\u0148a ka\u017ed\u00fd mesiac plat\u00ed, hoci obaja vieme, \u017ee do nej u\u017e nikdy nevkro\u010d\u00edte? Ak v\u0161ak chcete zru\u0161i\u0165 predplatn\u00e9, mus\u00edte absolvova\u0165 notoricky zn\u00e1my zlo\u017eit\u00fd proces odoslania doporu\u010den\u00e9ho listu.  <\/p>\n\n<p class=\"wp-block-paragraph\">Ideel v\u00e1m umo\u017en\u00ed spravova\u0165 va\u0161e predplatn\u00e9 nieko\u013ek\u00fdmi kliknutiami a za cenu doporu\u010den\u00e9ho listu sa postar\u00e1 o v\u0161etky postupy zru\u0161enia. Chcete napr\u00edklad zru\u0161i\u0165 svoje predplatn\u00e9 KeepCool? Sta\u010d\u00ed si vytvori\u0165 konto na port\u00e1li Ideel, zada\u0165 \u00fadaje o predplatnom KeepCool a klikn\u00fa\u0165 na tla\u010didlo &#8222;zru\u0161i\u0165&#8220;. Ideel sa potom o v\u0161etko postar\u00e1 a bude v\u00e1s informova\u0165 o jednotliv\u00fdch krokoch s\u00favisiacich so zru\u0161en\u00edm predplatn\u00e9ho.<\/p>\n\n<h2 class=\"wp-block-heading\">Zn\u00ed\u017eenie n\u00e1kladov na dopravu<\/h2>\n\n<h3 class=\"wp-block-heading\">\ud83d\ude97 Auto a benz\u00edn  <\/h3>\n\n<p class=\"wp-block-paragraph\">V pr\u00edpade auta a benz\u00ednu existuje len m\u00e1lo rie\u0161en\u00ed, ak je to nevyhnutn\u00e9. Porovn\u00e1va\u010de poistenia, ako napr\u00edklad Les Furets, v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 dosiahnu\u0165 ur\u010dit\u00e9 \u00faspory ro\u010dne, ale bud\u00fa len mierne.<\/p>\n\n<p class=\"wp-block-paragraph\">Ka\u017edodenn\u00e1 spolujazda autom tie\u017e \u0161etr\u00ed peniaze, rovnako ako spolo\u010dn\u00fd predplatn\u00fd l\u00edstok. Spolo\u010dnos\u0165 Blablacar spustila slu\u017ebu Blablalines ur\u010den\u00fa na ka\u017edodenn\u00e9 cesty s ve\u013emi praktickou aplik\u00e1ciou.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lne \u00faspory: 50 a\u017e 150 EUR mesa\u010dne. S trochou \u00fasilia m\u00f4\u017eete z\u00edska\u0165 1 000 EUR ro\u010dne.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\">\ud83d\udeb4\u200d\u2642\ufe0f Zmeni\u0165 sp\u00f4sob dopravy?  <\/h3>\n\n<p class=\"wp-block-paragraph\">Ak neb\u00fdvate pr\u00edli\u0161 \u010faleko od pr\u00e1ce, <strong>bicyklovanie je lacnou alternat\u00edvou k<\/strong> autu a dokonca aj k verejnej doprave. Vzh\u013eadom na to, \u017ee si pri \u0148om aj zacvi\u010d\u00edte, \u010do je dobr\u00e9 pre va\u0161e telo v lete \ud83d\udcaa, je to v\u00fdhra pre v\u0161etk\u00fdch. Psychologick\u00e1 bari\u00e9ra je najd\u00f4le\u017eitej\u0161ia na prekonanie, preto\u017ee aj v zime alebo v da\u017edi sa to d\u00e1 \u013eahko zvl\u00e1dnu\u0165 so spr\u00e1vnym vybaven\u00edm: dobr\u00fd bicykel, bra\u0161\u0148a, ktor\u00e1 obsahuje v\u00fdbavu do da\u017e\u010fa, a t\u00e1to v\u00fdbava bude zah\u0155\u0148a\u0165 bundu do da\u017e\u010fa a nohavice do da\u017e\u010fa. S prib\u00fadaj\u00facimi cyklotrasami a v letn\u00fdch mesiacoch je to splnen\u00fd sen. Najm\u00e4 preto, \u017ee v\u00e1m m\u00f4\u017ee ka\u017ed\u00fd de\u0148 u\u0161etri\u0165 ve\u013ea \u010dasu. A napokon, ak to v\u00e1\u0161 zamestn\u00e1vate\u013e pon\u00faka, m\u00f4\u017eete vyu\u017e\u00edva\u0165 pr\u00edspevky na bicyklovanie pod\u013ea po\u010dtu najazden\u00fdch kilometrov. V\u010faka tomu m\u00f4\u017ee v\u00e1\u0161 rozpo\u010det klesn\u00fa\u0165 a\u017e na nulu.<\/p>\n\n<p class=\"wp-block-paragraph\">Na\u0161a rada: jeden bicykel na vzdialenosti do 5\/6 km od pr\u00e1ce a elektrick\u00fd bicykel na vzdialenosti do 10\/12 km. N\u00e1jdite si \u010das na v\u00fdber najlep\u0161ej trasy.<\/p>\n\n<p class=\"has-accent-color has-text-color wp-block-paragraph\"><strong>Potenci\u00e1lne \u00faspory: 40 a\u017e 250 EUR mesa\u010dne. S trochou n\u00e1mahy, ale aj z\u00e1bavy, ak je va\u0161a trasa vhodn\u00e1.<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/emojipedia.org\/house\/\">\ud83c\udfe0<\/a> A \u010do m\u00f4j domov?<\/h2>\n\n<p class=\"wp-block-paragraph\">To je posledn\u00e1 polo\u017eka, ktor\u00fa si nem\u00f4\u017eete dovoli\u0165 strati\u0165. Ak e\u0161te nem\u00e1te vlastn\u00e9 b\u00fdvanie a chyst\u00e1te sa pres\u0165ahova\u0165, zdie\u013eanie bytu v\u00e1m m\u00f4\u017ee u\u0161etri\u0165 5 a\u017e 20 % v z\u00e1vislosti od mesta, ale mus\u00edte splni\u0165 nieko\u013eko podmienok a urobi\u0165 ur\u010dit\u00e9 kompromisy v \u017eivotnom \u0161t\u00fdle. Ak v\u00e1m to v\u0161ak vyhovuje, je to aj pr\u00edle\u017eitos\u0165 zdie\u013ea\u0165 wifi, predplatn\u00e9 na Netflix&#8230;<\/p>\n\n<p class=\"wp-block-paragraph\">Ak nie, m\u00f4\u017eete sk\u00fasi\u0165 porovna\u0165 ponuky elektriny a plynu. \u00daspora sa bude pohybova\u0165 okolo 10 %, ale v prvom roku si mus\u00edte da\u0165 pozor na n\u00e1hodn\u00e9 ponuky, ktor\u00e9 sa m\u00f4\u017eu v nasleduj\u00facich rokoch zvy\u0161ova\u0165. Ka\u017edodenn\u00e9 gest\u00e1, ako napr\u00edklad stlmenie k\u00farenia, ke\u010f idete von, alebo in\u0161tal\u00e1cia \u010dasova\u010da, s\u00fa najlep\u0161\u00edmi sp\u00f4sobmi, ako trochu zn\u00ed\u017ei\u0165 \u00fa\u010det.<\/p>\n\n<h2 class=\"wp-block-heading\">\ud83d\udcb0 Mikrop\u00f4\u017ei\u010dka, ktor\u00e1 v\u00e1m pom\u00f4\u017ee na konci mesiaca<\/h2>\n\n<p class=\"wp-block-paragraph\">Pri v\u0161etk\u00fdch t\u00fdchto v\u00fddavkoch nie je vyl\u00fa\u010den\u00e9, \u017ee v\u00e1m na konci mesiaca d\u00f4jdu peniaze. Ak chcete financova\u0165 nepredv\u00eddan\u00e9 udalosti alebo mimoriadne finan\u010dn\u00e9 situ\u00e1cie a nem\u00e1te dostato\u010dne ve\u013ek\u00fd rozpo\u010det, m\u00f4\u017eete si vzia\u0165 24-hodinov\u00fd r\u00fdchly \u00faver na \u0161pecializovan\u00fdch online platform\u00e1ch. Tieto mal\u00e9 p\u00f4\u017ei\u010dky s\u00fa \u010dasto k dispoz\u00edcii na mal\u00e9 sumy, od 50 do 1 000 EUR, a ich splatenie je r\u00fdchle, trv\u00e1 len nieko\u013eko mesiacov. Ak sa na konci mesiaca dostanete do \u0165a\u017ekej situ\u00e1cie, tieto mikrop\u00f4\u017ei\u010dky s\u00fa skuto\u010dnou pomocou, preklen\u00fa v\u00e1s a z dlhodob\u00e9ho h\u013eadiska neovplyvnia v\u00e1\u0161 rozpo\u010det!  <\/p>\n\n<p class=\"wp-block-paragraph\"><em>D\u00fafame, \u017ee ste pri\u0161li na nieko\u013eko n\u00e1padov, ako zn\u00ed\u017ei\u0165 svoj mesa\u010dn\u00fd rozpo\u010det. Sme si ist\u00ed, \u017ee budete vedie\u0165, \u010do s u\u0161etren\u00fdmi peniazmi urobi\u0165!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na\u0161e mesa\u010dn\u00e9 rozpo\u010dty zah\u0155\u0148aj\u00fa n\u00e1jomn\u00e9, elektrinu, telef\u00f3n, internet a multimedi\u00e1lne predplatn\u00e9. Zistite, ako optimalizova\u0165 svoj rozpo\u010det a u\u0161etri\u0165 stovky alebo tis\u00edce eur. \ud83d\udcb8 Hlavn\u00e9 v\u00fddavkov\u00e9&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8364,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_press_lang":"sk","_press_original_id":"348","_press_pair_id":"3473879f-397f-47ec-b186-cf267dd80b46","_press_translated_at":"","footnotes":""},"categories":[330,427],"tags":[],"class_list":["post-16035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novinky","category-porovnanie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tipy na riadenie rozpo\u010dtu a \u0161etrenie pe\u0148az\u00ed - 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\/sk\/tipy-na-riadenie-rozpoctu-a-setrenie-penazi\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tipy na riadenie rozpo\u010dtu a \u0161etrenie pe\u0148az\u00ed - Sharesub\" \/>\n<meta property=\"og:description\" content=\"Na\u0161e mesa\u010dn\u00e9 rozpo\u010dty zah\u0155\u0148aj\u00fa n\u00e1jomn\u00e9, elektrinu, telef\u00f3n, internet a multimedi\u00e1lne predplatn\u00e9. 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