{"id":28368,"date":"2021-12-16T09:42:17","date_gmt":"2021-12-16T08:42:17","guid":{"rendered":"https:\/\/www.surveyeah.com\/odkladac-czy-wydawac-mniej\/"},"modified":"2022-08-26T11:54:02","modified_gmt":"2022-08-26T09:54:02","slug":"odkladac-czy-wydawac-mniej","status":"publish","type":"post","link":"https:\/\/www.surveyeah.com\/pl\/odkladac-czy-wydawac-mniej\/","title":{"rendered":"Odk\u0142ada\u0107 czy wydawa\u0107 mniej? Sztuczki, dzi\u0119ki kt\u00f3rym mo\u017cna zaoszcz\u0119dzi\u0107 pieni\u0105dze"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Porady dotycz\u0105ce zarz\u0105dzania wydatkami i oszcz\u0119dno\u015bciami.<\/h2>\n\n<p>W pewnym artykule jaki\u015b czas temu, pewien facet twierdzi\u0142, \u017ce jest w stanie zaoszcz\u0119dzi\u0107 ~85 000 z\u0142otych rocznie; robi\u0105c obliczenia, by\u0142a to &#8222;po prostu&#8221; kwestia odk\u0142adania 235 z\u0142otych dziennie.<\/p>\n\n<p>Ma\u0142o prawdopodobne, prawda? Nigdy nie ufaj du\u017cym liczbom! <\/p>\n\n<p>Jakby si\u0119 zastanowi\u0107, jest w tym jednak pewna ukryta prawda. Oszcz\u0119dzaj\u0105c stopniowo ma\u0142e sumy pieni\u0119dzy, mo\u017cna faktycznie od\u0142o\u017cy\u0107 wi\u0119ksze sumy, kt\u00f3re mo\u017cna wykorzysta\u0107 do zrobienia czego\u015b, co zawsze chcia\u0142o si\u0119 zrobi\u0107; mo\u017cna zainwestowa\u0107, mo\u017cna spe\u0142ni\u0107 zachciank\u0119, mo\u017cna nawet trzyma\u0107 je w &#8222;gotowo\u015bci&#8221;, &#8222;mi\u0119kk\u0105 poduszk\u0119&#8221; na wypadek przysz\u0142ych upadk\u00f3w. <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Oszcz\u0119dzanie poprzez odk\u0142adanie pieni\u0119dzy.<\/strong><\/h3>\n\n<p>Teraz 100 z\u0142 dziennie to mo\u017ce by\u0107 troch\u0119 za du\u017co, nie ka\u017cdego na to sta\u0107; 365 000 z\u0142 rocznie to praktycznie podstawa dochodu! Mo\u017cesz wi\u0119c odetchn\u0105\u0107 z ulg\u0105, nie prosimy Ci\u0119 o zrewolucjonizowanie swojego \u017cycia; raczej sugerujemy <strong>kilka ma\u0142ych sztuczek, aby zacz\u0105\u0107 co\u015b oszcz\u0119dza\u0107!<\/strong> <\/p>\n\n<ul class=\"wp-block-list\"><li><a href=\"\">Je\u015bli jeste\u015b palaczem<\/a>, to powiedziano ci ju\u017c, \u017ce dla zdrowia powiniene\u015b rzuci\u0107 palenie; je\u015bli to ci nie wystarcza, proponujemy inn\u0105 kalkulacj\u0119. Zacznijmy od optymistycznego za\u0142o\u017cenia; za\u0142\u00f3\u017cmy, \u017ce wypalasz p\u00f3\u0142 paczki papieros\u00f3w dziennie i \u017ce paczka kosztuje 14 z\u0142otych. To jest 210 z\u0142otych miesi\u0119cznie, <strong>co daje 2520 z\u0142otych rocznie<\/strong> (i jeste\u015bmy pob\u0142a\u017cliwi!). Rzucenie palenia to tak\u017ce zysk ekonomiczny, nie s\u0105dzisz?   <\/li><li><a href=\"https:\/\/bioradar.net\/bionews\/come-risparmiare-soldi-tabella-salva-soldi\/\">Tabela oszcz\u0119dzania pieni\u0119dzy<\/a>: polega na skojarzeniu pewnej kwoty z <strong>ka\u017cdym tygodniem<\/strong> roku i odk\u0142adaniu jej. To Ty decydujesz ile chcesz zaoszcz\u0119dzi\u0107, r\u00f3wnie\u017c w zale\u017cno\u015bci od Twoich mo\u017cliwo\u015bci.<\/li><li><strong>Niekoniecznie pozbawiaj si\u0119 ma\u0142ych codziennych smako\u0142yk\u00f3w<\/strong>, ale wykorzystaj je jako okazj\u0119 do zaoszcz\u0119dzenia pieni\u0119dzy. Na przyk\u0142ad, je\u015bli chcesz wypi\u0107 kaw\u0119 w kawiarni, <strong>t\u0105 sam\u0105 kwot\u0119<\/strong> w\u0142\u00f3\u017c do funduszu oszcz\u0119dno\u015bciowego (lub po prostu do s\u0142oika); wypijesz kaw\u0119, ale r\u00f3wnie\u017c od\u0142o\u017cysz 8 z\u0142. Staraj si\u0119 zawsze stosowa\u0107 to i sko\u0144czysz z \u0142adn\u0105 ma\u0142\u0105 sumk\u0105 pieni\u0119dzy.  <\/li><li><strong>Zasada 50\/30\/20<\/strong>: to ciekawa wskaz\u00f3wka, <a href=\"https:\/\/blog.ovalmoney.com\/it\/post\/come-gestire-il-tuo-budget-con-la-regola-del-50-30-20\/\">jak zarz\u0105dza\u0107 swoim bud\u017cetem<\/a>. Chodzi o to, aby podzieli\u0107 swoje wynagrodzenie na: 50% na rzeczy niezb\u0119dne, 30% na rzeczy, kt\u00f3re uwielbiasz robi\u0107, 20% na oszcz\u0119dno\u015bci. Procenty mo\u017cna dostosowa\u0107 do w\u0142asnych potrzeb, decyduj\u0105c si\u0119 np. na 60\/20\/20 lub 50\/20\/30. <\/li><\/ul>\n\n<p>Sugesti\u0105 jest pocz\u0105tkowa inwestycja w <strong>\u015bwink\u0119 skarbonk\u0119<\/strong>. Widz\u0105c, jak si\u0119 zape\u0142nia i staje si\u0119 ci\u0119\u017cka, pobudzisz si\u0119 do dalszego konsekwentnego i regularnego oszcz\u0119dzania. Twoja ciekawo\u015b\u0107 b\u0119dzie ros\u0142a i w ko\u0144cu, gdy otworzysz skarbonk\u0119, znajdziesz w niej nie tylko du\u017co pieni\u0119dzy, ale i wiele satysfakcji.  <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Oszcz\u0119dzanie pieni\u0119dzy poprzez zakupy.<\/strong><\/h3>\n\n<p>Oszcz\u0119dzanie nie musi oznacza\u0107 odk\u0142adania pieni\u0119dzy, ale tak\u017ce <strong>starania, by wydawa\u0107 mniej<\/strong>. Je\u015bli b\u0119dziesz pami\u0119ta\u0107 o naszych wskaz\u00f3wkach w codziennych dzia\u0142aniach, unikniesz niepotrzebnego marnowania pieni\u0119dzy. <\/p>\n\n<p>Efektem wydawania mniej, oczywi\u015bcie, nie b\u0119dzie pe\u0142na skarbonka, ale wi\u0119ksza si\u0142a inwestycyjna w d\u0142u\u017cszej perspektywie.<\/p>\n\n<ul class=\"wp-block-list\"><li>ustal <a href=\"https:\/\/www.risparmiabili.com\/budget-per-risparmiare\/\">maksymalny bud\u017cet wydatk\u00f3w<\/a>: zasad\u0105 jest nie przekraczanie go. Stosuj\u0105c si\u0119 do tej wskaz\u00f3wki b\u0119dziesz m\u00f3g\u0142 r\u00f3wnie\u017c <strong>rozpozna\u0107, kt\u00f3re zakupy s\u0105 naprawd\u0119 konieczne<\/strong>, a kt\u00f3re zb\u0119dne.<\/li><li><strong>zasada 24 godzin<\/strong>. Zw\u0142aszcza przy zakupach internetowych zastan\u00f3w si\u0119 nad tym przynajmniej przez ca\u0142y dzie\u0144. Unikniesz kupowania daremnych rzeczy pod <a href=\"\">wp\u0142ywem impulsu<\/a>.  <\/li><li>czy tw\u00f3j plan dnia cz\u0119sto wymaga od ciebie jedzenia poza domem? <a href=\"https:\/\/www.ricettealvolo.it\/15-ricette-facili-per-pranzo-al-sacco-ufficio-universita-gita\/\"><strong>Przynie\u015b sw\u00f3j lunch z domu<\/strong><\/a>! Spo\u017cywanie posi\u0142k\u00f3w poza domem wi\u0105\u017ce si\u0119 z bardzo du\u017cym wydatkiem w skali roku, ponadto przygotowuj\u0105c w\u0142asne porcje, przyczyniamy si\u0119 do mniejszego marnotrawstwa \u017cywno\u015bci.<\/li><li>kiedy wybierasz si\u0119 <a href=\"http:\/\/www.elenamassanutrizionista.com\/2017\/08\/27\/come-fare-la-spesa-modo-consapevole\/\">na zakupy<\/a>, id\u017a z <strong>pe\u0142nym brzuchem<\/strong>; b\u0119dziesz mia\u0142 mniejsz\u0105 pokus\u0119 na przysmaki podyktowane \u0142akomstwem. Ponadto, je\u015bli zorganizujesz swoje posi\u0142ki z wyprzedzeniem i zrobisz list\u0119, utrzymasz koszty na niskim poziomie.<\/li><li>zawsze w supermarkecie zwracaj uwag\u0119 nie na cen\u0119 napisan\u0105 du\u017cymi literami pod r\u00f3\u017cnymi produktami, ale na mniejsz\u0105 cen\u0119, <strong>cen\u0119 za kilogram<\/strong>; tylko wtedy mo\u017cesz naprawd\u0119 zrozumie\u0107, czy oszcz\u0119dzasz pieni\u0105dze, kupuj\u0105c jedn\u0105 rzecz zamiast drugiej.<\/li><li>kiedy czego\u015b potrzebujesz, zanim to kupisz, upewnij si\u0119, <strong>\u017ce nie masz tego ju\u017c w domu<\/strong>. Je\u015bli go nie masz, ale masz narz\u0119dzia do jego wykonania, <a href=\"\">spr\u00f3buj zrobi\u0107 go samodzielnie<\/a>.  Nie zapominaj r\u00f3wnie\u017c o \u015bledzeniu pchlich targ\u00f3w &#8211; nigdy nic nie wiadomo!<\/li><\/ul>\n\n<p><strong>Czytaj wi\u0119cej:<\/strong> <a href=\"https:\/\/www.surveyeah.com\/evita-sprechi-e-risparmia-con-i-nostri-consigli\/\">Unikaj odpad\u00f3w i oszcz\u0119dzaj dzi\u0119ki naszym wskaz\u00f3wkom.<\/a><\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Zarabiaj online, aby wesprze\u0107 sw\u00f3j doch\u00f3d!<\/strong><\/h3>\n\n<p><br\/>Chcia\u0142by\u015b mie\u0107 dodatkowy doch\u00f3d? Istnieje wiele sposob\u00f3w na zarabianie pieni\u0119dzy w sieci, od <a href=\"\">rozpocz\u0119cia w\u0142asnego biznesu<\/a> po najbardziej <a href=\"\">dziwaczne<\/a> sposoby. <\/p>\n\n<p>Aby zdoby\u0107 dodatkowe pieni\u0105dze w \u0142atwy i bezpieczny spos\u00f3b, <a href=\"https:\/\/panel.surveyeah.com\/it\/register\/country_select\">zarejestruj si\u0119 w Surveyeah<\/a>! Wype\u0142niaj ankiety i <a href=\"https:\/\/www.surveyeah.com\/come-massimizzare-il-guadagno-con-i-sondaggi-retribuiti-online\/\">maksymalizuj swoje zarobki<\/a>; przekonasz si\u0119, \u017ce bycie panelist\u0105 mo\u017ce by\u0107 naprawd\u0119 przyjemne i satysfakcjonuj\u0105ce!<\/p>\n\n<p><em>Maria Schembri<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lepiej wydawa\u0107 mniej, odk\u0142ada\u0107 czy&#8230;? oba? Oto jak to zrobi\u0107!<\/p>\n","protected":false},"author":2,"featured_media":22428,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2275],"tags":[],"class_list":["post-28368","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualnosci"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Odk\u0142ada\u0107 czy wydawa\u0107 mniej? Sztuczki, dzi\u0119ki kt\u00f3rym mo\u017cna zaoszcz\u0119dzi\u0107 pieni\u0105dze - Surveyeah<\/title>\n<meta name=\"description\" content=\"Czy lepiej wydawa\u0107 mniej, odk\u0142ada\u0107 czy... oba? 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