{"id":283513,"date":"2017-05-05T09:28:24","date_gmt":"2017-05-05T08:28:24","guid":{"rendered":"https:\/\/www.otpbanka.rs\/kako-da-ustedite-svakog-meseca\/"},"modified":"2025-10-09T17:17:23","modified_gmt":"2025-10-09T15:17:23","slug":"kako-da-ustedite-svakog-meseca","status":"publish","type":"post","link":"https:\/\/www.otpbanka.rs\/en\/finnovation\/kako-da-ustedite-svakog-meseca\/","title":{"rendered":"Porodi\u010dni menad\u017ement: Kako da u\u0161tedite svakog meseca?"},"content":{"rendered":"

\u201cMnogi ljudi ne vode ra\u010duna o svom novcu dok ga skroz ne potro\u0161e, a drugi isto rade sa svojim vremenom\u201d<\/strong>, sjajna je izreka koja se pripisuje Geteu. I zaista, moje dosada\u0161nje iskustvo mi govori da su neke od najboljih vrlina koje mame steknu zahvaljuju\u0107i roditeljstvu kako da organizuju tro\u0161kove i kako da \u0161to bolje organizuju vreme. O tome sam ve\u0107 dosta pisala na svom blogu \u201cMamin svet<\/a>\u201d i mislim da je zaista va\u017eno da se svako od nas podu\u010di tome. I jedno i drugo je va\u017eno za porodi\u010dni \u017eivot, i jo\u0161 va\u017enije, tim ve\u0161tinama treba da podu\u010davamo decu, od najranijih dana – kako da u\u0161tedite!<\/p>\n

Upravljanje porodi\u010dnim nov\u010danikom svuda u svetu podrazumeva osnove finansijke pismenosti i organizacione ve\u0161tine. A kod nas, bogami i malo magijskih mo\u0107i.<\/p>\n

Ali, kako da u\u0161tedim kada su nam primanja mala i \u017eivimo vi\u0161e nego skromno, pita\u0107e me mnogi? Kada imate mnogo, u\u0161tedeti i nije neki problem, zar ne? Istina je da uvek mo\u017ee da se u\u0161tedi! Jer, ve\u0107ina nas naj\u010de\u0161\u0107e i nije svesna gde nam sve curi novac.<\/p>\n

Prvi korak \u2013 popi\u0161ite SVE tro\u0161kove\u00a0<\/strong><\/h2>\n

Da biste znali s koliko novca raspola\u017eete i na \u0161ta vam najvi\u0161e novca odlazi, potrebno je da popi\u0161ete SVE prihode i rashode. Najbolje je da tokom mesec dana svakodnevno upisujete sve \u0161to potro\u0161ite \u2013 od ra\u010duna, preko kupovine namirnica, ve\u0107ih nabavki, d\u017eeparca za decu, tro\u0161kova za vrti\u0107, \u0161kolu, gorivo. Nemojte ni\u0161ta izostaviti. Tome dodajte bar okvirnu cifru za povremene tro\u0161kove poput popravke ku\u0107nih aparata, rate za letovanje, de\u010dijih ro\u0111endana, izleta…<\/p>\n

Na taj na\u010din mo\u017eete da okvirno utvrdite koliko vam procentualno od prihoda odlazi na koju stavku. Vide\u0107ete, bi\u0107ete \u0161okirani koliko se novca recimo mese\u010dno potro\u0161i na nepotrebne grickalice, ili koliko je ra\u010dun za telefon ve\u0107i jer ste nepa\u017enjom iza\u0161li iz paketa, koliko vas stvarno ko\u0161taju cigarete, a koliko novca potro\u0161ite svakodnevnim odlaskom u lokalne, skuplje radnje.<\/p>\n

Kako evidentirati tro\u0161kove<\/strong><\/h2>\n

Osim dobre stare olovke i papira, ili personalizovanih Excel tabela, danas se na internetu mo\u017ee prona\u0107i jako mnogo sajtova i aplikacija koji vam olak\u0161avaju ovaj posao. Neke su inostrane, kao Mint<\/a>, ili Toshl<\/a>, a neke doma\u0107e, poput stare Slamarice<\/a> ili\u00a0Kucnog bud\u017eeta<\/a>\u00a0su tako\u0111e korisne.<\/p>\n

Su\u0161tina je da samo prvih mesec dana upisujete sve va\u0161e tro\u0161kove i tro\u0161kovre va\u0161ih \u010dlanova porodice, jer bi ina\u010de jako mnogo vremena utro\u0161ili u dnevno vo\u0111enje svih tro\u0161kova. Kasnije mo\u017eete da napravite sistem kontrole tro\u0161kova koji \u0107e vam omogu\u0107iti da unapred znate koliko novca odvajate za koje namene i \u0161ta mo\u017eete da u\u0161tedite.<\/p>\n

Moja primanja su mala, kako i\u0161ta da u\u0161tedim?<\/strong><\/h2>\n

\u010cinjenica je da sa prose\u010dnim primanjima zaista malo mo\u017ee da se u\u0161tedi. Ali, kada jedan mesec budete realno vodili tro\u0161kove vide\u0107ete na \u0161ta ste potro\u0161ili novac,a niste morali. Taj novac onda mo\u017eete da odvojite, ili preusmerite na ne\u0161to drugo. Na kraju krajeva, \u017eivot preko sopstvenih mogu\u0107nosti na kraju vas mo\u017ee dovesti samo do dugova.<\/p>\n

Napisa\u0107u nekoliko saveta za po\u010detnike u porodi\u010dnom menad\u017ementu finansija, koji vam zaista mogu doneti i u\u0161tede u tro\u0161kovima i promeniti na\u010din razmi\u0161ljanja kada su tro\u0161kovi u pitanju.<\/p>\n

Postavite realne cilljeve<\/strong><\/h2>\n

Ne mo\u017eete o\u010dekivati da mese\u010dno u\u0161tedite 300 evra ako su va\u0161a primanja 600 ili 700 evra mese\u010dno. Razmi\u0161ljajte korak po korak \u2013 ako vam na kraju svakog meseca nije ostajalo nimalo novca, neka vam prvi cilj bude neki mali iznos. Ako su ukupna mese\u010dna primanja na primer 1.000 evra, neka vam prvi cilj bude 50 evra u\u0161tede na kraju meseca.<\/p>\n

Planirajte obroke <\/strong><\/h2>\n

Planiranje obroka unapred je jedna od najboljih navika \u0161tedljivih namirnica. Isplanirajte nedeljni meni, prema njemu idite u nedeljnu kupovinu i nabavite sve namirnice. Time \u0107ete izbe\u0107i da bacate hranu, kao i da kupujete svakodnevno u skupljim prodavnicama. Neverovatno je koje koli\u010dine hrane (to jest novca) mo\u017eete da bacite ako ne isplanirate dobro obroke.<\/p>\n

Pla\u0107ajte redovno ra\u010dune<\/strong><\/h2>\n

Gotovo za sve usluge mo\u017eete dobiti popust ako ih pla\u0107ate u predvi\u0111enom roku. Na primer, ako je iznos infostana 10.000, 5 odsto popusta je 500 dinara, na godi\u0161njem nivou to je 6.000 dinara samo za jedan ra\u010dun. Ka\u0161njenje s pla\u0107anjem, s druge strane mo\u017ee vas skupo ko\u0161tati i bi\u0107e vam zara\u010dunata zatezna kamata.<\/p>\n

Kupujte pametno<\/strong><\/h2>\n

Pametna kupovina zna\u010di planirana kupovina. Idite u nabavku namirnica sa ta\u010dnim spiskom, verujte da \u0107e vam ra\u010dun biti manji. Garderobu i obu\u0107u mo\u017eete da kupujete i u autletima, jer je \u010desto odre\u0111ena roba zna\u010dajno skuplja samo zbog toga \u0161to je \u201covogodi\u0161nji model\u201d.<\/p>\n

Ako ste dovoljno ve\u0161ti, mo\u017eete kupovati i robu van sezone \u2013 na primer, \u010dizme na kraju zime, i na taj na\u010din dodatno u\u0161tedeti. Kupujte ode\u0107u koja vam treba a ne u koju ste se \u201czaljubili\u201d. I nekoliko dobro ukombinovanih komada ode\u0107e mo\u017ee da deluje sjajno, umesto mnogo komada na koji je potro\u0161en novac a ne mogu da se nose zajedno.<\/p>\n

Upore\u0111ujte cene<\/strong><\/h2>\n

Danas preko interneta mo\u017eete pratiti mnogo akcija i sni\u017eenja, a na specijalizovanim sajtovima, poput Cenoteke<\/a>\u00a0i da proverite uporedne cene svakog proizvoda. Ako se tome doda da u ve\u0107ini slu\u010dajeva mo\u017eete da naru\u010dujete proizvode onlajn, u\u0161tede\u0107ete dvostruko \u2013 kupi\u0107ete jeftinije proizvode, a s druge strane ne\u0107ete tro\u0161iti benzin na prevoz, niti vreme za kupovinu.<\/p>\n

Polovno umesto novo<\/strong><\/h2>\n

Ovaj savet nije uvek primenljiv, za neke kupovine zaista mo\u017eete bez problema da se oslonite kupovinu polovne robe. \u010cinjenica da razni servisi poput Kupujem prodajem i Limundo cvetaju kod nas, govori da ovaj vid kupovine uop\u0161te nije retkost. Isto va\u017ei i za prodaju nepotrebnih stvari \u2013 zaradi\u0107ete dodatni novac, a ra\u0161\u010disti\u0107ete prostor u kojem \u010duvate stvari koje vam vi\u0161e nisu potrebne.<\/p>\n

Neka i va\u0161a ku\u0107a bude \u0161tedljiva <\/strong><\/h2>\n

Naizgled malim promenama u vo\u0111enju doma\u010dinstva \u2013 stavljanjem izolacije u ku\u0107u, izolacijom prozora, uklju\u010divanjem ku\u0107nih aparata kada je struja jeftinija, kori\u0161\u0107enjem bele tehnike koja je AAA klase, isklju\u010divanjem grejanja kada nije potrebno mo\u017eete u\u0161tedeti prili\u010dne sume novca na mese\u010dnom nivou.<\/p>\n

Nau\u010dite da razmi\u0161ljate kao \u0161tedi\u0161a <\/strong><\/h2>\n

I za kraj, najva\u017eniji savet, po\u010dnite da razmi\u0161ljate kao \u0161tedi\u0161ta. To naravno ne zna\u010di da treba da ste\u017eete kai\u0161 do iznemoglosti niti da se odreknete svih zadovoljstava u \u017eivotu, samo da ih dozirate<\/p>\n","protected":false},"excerpt":{"rendered":"

Ako biste pitali ko ima sjajne menad\u017eerske sposobnosti mada se za to nije \u0161kolovao, mogla bih vam dati sjajan odgovor \u2013 mame! One su te, koje nau\u010de kako da vode doma\u0107instvo i kako da svaki dinar porodi\u010dnog bud\u017eeta bude mudro potro\u0161en.<\/p>\n","protected":false},"author":23,"featured_media":498912,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"class_list":["post-283513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-licne-finansije"],"acf":[],"yoast_head":"\nPorodi\u010dni menad\u017ement: Kako da u\u0161tedite svakog meseca?<\/title>\n<meta name=\"description\" content=\"Ako biste pitali ko ima sjajne menad\u017eerske sposobnosti mada se za to nije \u0161kolovao, mogla bih vam dati sjajan odgovor \u2013 mame!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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