10 NASVETOV ZA USPEŠNO VARČEVANJE

 10 NASVETOV ZA USPEŠNO VARČEVANJE
Deli:

Sledite tem 10 preprostim nasvetom za uspešno varčevanje. Uspeh je zagotovljen!

1. NAPIŠITE MESEČNI FINANČNI PLAN

Zapišite si prihodke in predvidene izdatke, del denarja namenite varčevanju. Skozi mesec si beležite vse izdatke, na koncu meseca pa si izračunajte koliko denarja ste porabili. Delo si lahko olajšate z aplikacijo na pametnem telefonu. (My Finances, 1Money, Savings Tracker itd.)

2. VEDNO SI ZASTAVITE ZLATI VPRAŠANJI

Preden nekaj kupite si morate zastaviti dve temeljni vprašanji:

  • Ali izdelek/storitev potrebujem?

  • Ali si izdelek/storitev lahko privoščim?

Če je odgovor na obe vprašanji pritrdilen izdelek/storitev plačajte. Če je izdelek na eno izmed vprašanj negativen prenehajte razmišljati o nakupu. Preprosta in genialna filozofija vam bo prihranila veliko denarja in omejila vaše spontane nakupe.

3. PREKLIČITE NAROČNINE IN ČLANARINE, KI JIH NE UPORABLJATE

Preglejte svojo položnico za mobilne storitve in prekinite vse mesečne naročnine za aplikacije, ki jih ne uporabljate več. Prav tako preverite ostale spletne naročnine, ki se samodejno mesečno obnavljajo in jih več ne potrebujete (Voyo, Netflix itd.). Če ste zakupili določeno obdobje ali količino storitev, se potrudite, da plačano maksimalno izkoristite, po zaključenem obdobju pa se od storitev odjavite ( vodene vadbe, fitnes članarina, knjižnična članarina itd.).

4. UPORABITE 24-URNO PRAVILO

Da se izognete impulzivnim nakupom preko spleta se držite preprostega 24 urnega pravila. Izdelke, ki jih želite kupiti shranite v spletno košarico, nato stvar prespite in naslednji dan kupite samo izdelke, ki si jih še vedno želite.

5. CENO IZDELKA SI PRERAČUNAJTE V ODDELANE URE

Preden se odločite za nakup izdelka si preračunajte koliko ur vašega dela je potrebnih, da zaslužite znesek nakupa. Primer: Razmišljate o nakupu čevljev za 200€, zaslužite pa 5€ na uro, kar pomeni, da boste za izbrane čevlje delali 40 ur. Preprosta metoda, ki vas bo seznanila z realnostjo in vas odvrnila od marsikaterega nepotrebnega nakupa.

6. ZAČNITE UPORABLJATI SPLETNO BANKO

Spletna banka je varna in enostavna za uporabo. Račune lahko plačujete iz udobja svojega doma. Položnice lahko vežete na trajnik,  ki omogoča samodejno plačevanje mesečnih obveznosti in vam s tem prihrani plačilo visokih zamudnih obresti.

7. VSAKA MALENKOST ŠTEJE

Začnite varčevati s kovanci. Kovance, ki se vam potikajo po denarnici odlagajte v hranilnik.  Prihrankov ne štejte vsakodnevno, saj se vam bo zdelo, da ne prihranite veliko. Vsota na koncu leta vas bo prijetno presenetila.

8. PIŠITE NAKUPOVALNE SEZNAME

Preden se odpravite po nakupih si zabeležite kaj v gospodinjstvu potrebujete. Seznam vas bo v trgovini motiviral, da najdete zapisane artikle in vas odvrnil od nakupa stvari, ki jih ne potrebujete. Dodatni nasvet: V trgovino nikoli ne hodite lačni.

9. NE ZAVRZITE, POPRAVITE

Preden zavržete sandale, na katerih se vam je odlepil pašček ali plašč, ki se vam je razparal po šivu, preverite stroške popravila. Prijetno boste presenečeni, in marsikdaj se bo popravilo veliko bolj izplačalo kot pa nakup nove stvari.

10. KUPUJTE SECOND HAND

Preden nakupom stvari, ki jih boste potrebovali krajše obdobje (pohištvo v najemniškem stanovanju, otroška oblačila, otroški voziček itd.) prebrskajte po spletnih portalih in trgovinah z rabljenimi stvarmi. Presenečeni boste nad izbiro dobro ohranjenih, skoraj novih predmetov za katere bi v trgovini odšteli veliko več.

 

Preberi tudi: NAVADE ZAPRAVLJANJA, KI JIH MORATE PUSTITI ZA SABO

Vir fotografije: Pixabay

Deli:

Jagoda

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