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Dok inflacija raste, a s njom i troškovi života, potrošači su primorani pažljivije raspolagati novcem. Fenix Magazin prenosi jednu korisnu metodu štednje, takozvano "pravilo 50-30-20".

Za primjenu pravila 50-30-20 u svakodnevnom životu možete koristiti komad papira, tablicu u Excelu, mobilnu aplikaciju ili svoje internet bankarstvo.

Oni koji se odluče za ovaj oblik štednje prvo bi trebali dobro poznavati svoje prihode.

Sljedeći korak je njihova podjela.

Pedeset posto vašeg prihoda odlazi na fiksne troškove, trideset posto za želje i slobodne aktivnosti, i mjesečno ulažete dvadeset posto na štednu knjižicu ili oročeni račun. 

Pod fiksnim troškovima, dakle onih 50 posto, navedite stanarinu, struju, telefon, mobitel, prijevoz, osiguranje, pretplate i kupovinu namirnica.

S primanjima od 3.000 eura, to je 1.500 eura.

Ali… Ako je zbroj veći od 50 posto raspoloživih mjesečnih primanja, trebali biste smanjiti fiksne troškove.

Razjasnite isplati li se promjena tarife za mobitel ili možete li otkazati određena članstva.

Kad je riječ o struji, plinu i lož ulju, manevarski prostor za uštedu je mali.

Ako je najamnina previsoka, provjerite možete li iznajmiti sobu, garažu ili podrum. U ekstremnim slučajevima morat ćete potražiti jeftiniji stan.

U kategoriju "želje i slobodno vrijeme" navedite troškove vezane uz zabavu, hobije, kulturu i socijalizaciju. Tu spadaju: rođendanski darovi za prijatelje, posjet restoranu s obitelji, posjet zoološkom vrtu s djecom ili ako želite štedjeti za godišnji odmor svaki mjesec. Ne biste trebali imati više od 30 posto svog neto prihoda dostupnog za ovu kategoriju.

S primanjima od 3.000 eura, to je 900 eura. Važno je da znate i dokumentirate svoje troškove.

Ako ovaj zbroj prelazi ograničenje od trideset posto, smanjite troškove. 

Preostalih 20 posto koji bi trebali ostati slit će se u štedno-investicijske proizvode. S 3.000 eura neto zarade možete staviti sa strane 600 eura, piše Fenix.

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Dok inflacija raste, a s njom i troškovi života, potrošači su primorani pažljivije raspolagati novcem. Fenix Magazin prenosi jednu korisnu metodu štednje, takozvano "pravilo 50-30-20".

Za primjenu pravila 50-30-20 u svakodnevnom životu možete koristiti komad papira, tablicu u Excelu, mobilnu aplikaciju ili svoje internet bankarstvo.

Oni koji se odluče za ovaj oblik štednje prvo bi trebali dobro poznavati svoje prihode.

Sljedeći korak je njihova podjela.

Pedeset posto vašeg prihoda odlazi na fiksne troškove, trideset posto za želje i slobodne aktivnosti, i mjesečno ulažete dvadeset posto na štednu knjižicu ili oročeni račun. 

Pod fiksnim troškovima, dakle onih 50 posto, navedite stanarinu, struju, telefon, mobitel, prijevoz, osiguranje, pretplate i kupovinu namirnica.

S primanjima od 3.000 eura, to je 1.500 eura.

Ali… Ako je zbroj veći od 50 posto raspoloživih mjesečnih primanja, trebali biste smanjiti fiksne troškove.

Razjasnite isplati li se promjena tarife za mobitel ili možete li otkazati određena članstva.

Kad je riječ o struji, plinu i lož ulju, manevarski prostor za uštedu je mali.

Ako je najamnina previsoka, provjerite možete li iznajmiti sobu, garažu ili podrum. U ekstremnim slučajevima morat ćete potražiti jeftiniji stan.

U kategoriju "želje i slobodno vrijeme" navedite troškove vezane uz zabavu, hobije, kulturu i socijalizaciju. Tu spadaju: rođendanski darovi za prijatelje, posjet restoranu s obitelji, posjet zoološkom vrtu s djecom ili ako želite štedjeti za godišnji odmor svaki mjesec. Ne biste trebali imati više od 30 posto svog neto prihoda dostupnog za ovu kategoriju.

S primanjima od 3.000 eura, to je 900 eura. Važno je da znate i dokumentirate svoje troškove.

Ako ovaj zbroj prelazi ograničenje od trideset posto, smanjite troškove. 

Preostalih 20 posto koji bi trebali ostati slit će se u štedno-investicijske proizvode. S 3.000 eura neto zarade možete staviti sa strane 600 eura, piše Fenix.

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Nick White/Cultura Creative/AFP
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StoryEditorOCM
Hrvatska i svijetvrijedi pokušati

Inflacija raste, novčanici su nam sve tanji, može li nam dragocjeno ‘pravilo 50-30-20‘ spasiti kućni budžet? Evo kako pametno štedjeti bez previše odricanja

Piše PSD
4. kolovoza 2022. - 11:47

Dok inflacija raste, a s njom i troškovi života, potrošači su primorani pažljivije raspolagati novcem. Fenix Magazin prenosi jednu korisnu metodu štednje, takozvano "pravilo 50-30-20".

Za primjenu pravila 50-30-20 u svakodnevnom životu možete koristiti komad papira, tablicu u Excelu, mobilnu aplikaciju ili svoje internet bankarstvo.

Oni koji se odluče za ovaj oblik štednje prvo bi trebali dobro poznavati svoje prihode.

Sljedeći korak je njihova podjela.

Pedeset posto vašeg prihoda odlazi na fiksne troškove, trideset posto za želje i slobodne aktivnosti, i mjesečno ulažete dvadeset posto na štednu knjižicu ili oročeni račun. 

Pod fiksnim troškovima, dakle onih 50 posto, navedite stanarinu, struju, telefon, mobitel, prijevoz, osiguranje, pretplate i kupovinu namirnica.

S primanjima od 3.000 eura, to je 1.500 eura.

Ali… Ako je zbroj veći od 50 posto raspoloživih mjesečnih primanja, trebali biste smanjiti fiksne troškove.

Razjasnite isplati li se promjena tarife za mobitel ili možete li otkazati određena članstva.

Kad je riječ o struji, plinu i lož ulju, manevarski prostor za uštedu je mali.

Ako je najamnina previsoka, provjerite možete li iznajmiti sobu, garažu ili podrum. U ekstremnim slučajevima morat ćete potražiti jeftiniji stan.

U kategoriju "želje i slobodno vrijeme" navedite troškove vezane uz zabavu, hobije, kulturu i socijalizaciju. Tu spadaju: rođendanski darovi za prijatelje, posjet restoranu s obitelji, posjet zoološkom vrtu s djecom ili ako želite štedjeti za godišnji odmor svaki mjesec. Ne biste trebali imati više od 30 posto svog neto prihoda dostupnog za ovu kategoriju.

S primanjima od 3.000 eura, to je 900 eura. Važno je da znate i dokumentirate svoje troškove.

Ako ovaj zbroj prelazi ograničenje od trideset posto, smanjite troškove. 

Preostalih 20 posto koji bi trebali ostati slit će se u štedno-investicijske proizvode. S 3.000 eura neto zarade možete staviti sa strane 600 eura, piše Fenix.

12. svibanj 2024 22:18