[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sjm.sk\/dlhy-nas-najvacsi-nepriatel\/#Article","mainEntityOfPage":"https:\/\/www.sjm.sk\/dlhy-nas-najvacsi-nepriatel\/","headline":"Dlhy \u2013 n\u00e1\u0161 najv\u00e4\u010d\u0161\u00ed nepriate\u013e","name":"Dlhy \u2013 n\u00e1\u0161 najv\u00e4\u010d\u0161\u00ed nepriate\u013e","description":"Dlh. Najob\u00e1vanej\u0161ie slovo takmer ka\u017ed\u00e9ho \u010dloveka. Z\u00a0dlhov do probl\u00e9mov. Tak ako sa ich \u010do najsk\u00f4r zbavi\u0165? Pozrime sa […]","datePublished":"2019-05-25","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.sjm.sk\/author\/#Person","name":"","url":"https:\/\/www.sjm.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sjm.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sjm.sk\/wp-content\/uploads\/img_a302933_w16644_t1562342807.png","url":"https:\/\/www.sjm.sk\/wp-content\/uploads\/img_a302933_w16644_t1562342807.png","height":0,"width":0},"url":"https:\/\/www.sjm.sk\/dlhy-nas-najvacsi-nepriatel\/","about":["Financie"],"wordCount":417,"articleBody":"Dlh. Najob\u00e1vanej\u0161ie slovo takmer ka\u017ed\u00e9ho \u010dloveka. Z\u00a0dlhov do probl\u00e9mov. Tak ako sa ich \u010do najsk\u00f4r zbavi\u0165? Pozrime sa na to, ale od za\u010diatku. Najlep\u0161ie je sa do dlhov v\u00f4bec nedosta\u0165. T\u00fdm zabr\u00e1nime n\u00e1sledn\u00e9mu spl\u00e1caniu a\u00a0tr\u00e1peniu sa. Aby sme sa nedostali do dlhov, sta\u010d\u00ed si nezobra\u0165 p\u00f4\u017ei\u010dku. Ale \u010do ak peniaze naozaj potrebujem? Najz\u00e1kladnej\u0161ie je, ma\u0165 v\u017edy nejak\u00e9 peniaze u\u0161etren\u00e9 aby som ich mala v\u00a0nevyhnutnom stave. Ke\u010f ich v\u0161ak nem\u00e1m dostatok ani na\u0161etren\u00e9, najv\u00fdhodnej\u0161ie je po\u017ei\u010da\u0165 si od niekoho bl\u00edzkeho, ke\u010f v\u0161ak u\u017e\u00a0 nesta\u010d\u00ed ani to a\u00a0my si po\u017ei\u010diame z\u00a0banky, mali\u00a0 by sme si uvedomi\u0165 \u010do to bude obn\u00e1\u0161a\u0165 a\u00a0pod\u013ea toho sa zariadi\u0165. Sta\u010d\u00ed si polo\u017ei\u0165 p\u00e1r jednoduch\u00fdch ot\u00e1zok.1, Ko\u013eko si chcem po\u017ei\u010da\u0165?2, Ako dlho chcem spl\u00e1ca\u0165?3, Ak\u00e9 vysok\u00e9 s\u00fa \u00faroky?4, Odkia\u013e budem ma\u0165 peniaze na spl\u00e1canie?\u00a0Po zodpovedan\u00ed\u00a0 t\u00fdchto \u0161tyroch jednoduch\u00fdch ot\u00e1zok by to malo by\u0165 jednoduch\u00e9. Ale postavme sa do situ\u00e1cie, \u017ee m\u00e1te dlh, nem\u00e1te peniaze na spl\u00e1canie a\u00a0\u00faroky s\u00fa vysok\u00e9?\u00a0Jedin\u00e9 \u010do je potrebn\u00e9 k\u00a0splateniu dlho s\u00fa peniaze, ale odkia\u013e ich zohna\u0165? Zar\u00e1bate , ale to nesta\u010d\u00ed? Poproste o\u00a0pomoc bl\u00edzkych. \u010ci u\u017e man\u017eel\/ka, rodi\u010dia alebo kamar\u00e1ti. Ak u\u017e nepom\u00f4\u017ee ani to, mus\u00edte za\u010da\u0165 \u0161etri\u0165. M\u00f4\u017eete za\u010da\u0165 hne\u010f z\u00a0ostra, spravi\u0165 radik\u00e1lny krok a\u00a0pres\u0165ahova\u0165 sa do men\u0161ieho bytu, alebo popozera\u0165 sa po byte ur\u010dite n\u00e1jdete veci, ktor\u00e9 u\u017e d\u00e1vno nepou\u017e\u00edvate a\u00a0len sa pohadzuj\u00fa po byte. Je \u010das ich preda\u0165. T\u00fdmi men\u0161\u00edmi krokmi je napr\u00edklad nakupovanie. Nakupova\u0165 len potrebn\u00e9 veci, najlep\u0161ie ke\u010f s\u00fa v\u00a0z\u013eave. Ovocie, zeleninu a\u00a0pe\u010divo sa oplat\u00ed nakupova\u0165 tesne pred zatv\u00e1ran\u00edm obchodu, ke\u010f sa obchod u\u017e sna\u017e\u00ed zbavi\u0165 t\u00fdchto vec\u00ed, cena rap\u00eddne klesne. U\u0161etri\u0165 sa d\u00e1 aj dopravou. Nejazdite autom, nasadnite rad\u0161ej na bicykel alebo sa prejdite. Tak u\u0161etr\u00edte mno\u017estvo pe\u0148az\u00ed vyhoden\u00fdch na benz\u00edn.\u00a0Zbavi\u0165 sa dlhov sa d\u00e1, len treba chcie\u0165. V\u00a0prvom rade treba za\u010da\u0165 hne\u010f a\u00a0ne\u010daka\u0165 k\u00fdm to bude e\u0161te hor\u0161ie. Sta\u010d\u00ed za\u010da\u0165 \u0161etri\u0165 s\u00a0mal\u00fdmi vecami, bez ktor\u00fdch sa d\u00e1 pre\u017ei\u0165.                                                                                                                                                                                                                                                                                                                                                                                        3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dlhy \u2013 n\u00e1\u0161 najv\u00e4\u010d\u0161\u00ed nepriate\u013e","item":"https:\/\/www.sjm.sk\/dlhy-nas-najvacsi-nepriatel\/#breadcrumbitem"}]}]