P\u0159ipomenut\u00ed \u00fa\u010dtu<\/li>\n<\/ul>\nJak za\u010d\u00edt kontrolovat sv\u00e9 v\u00fddaje<\/h2>\n
B\u011bhem prvn\u00edch dvou t\u00fddn\u016f si jednodu\u0161e zaznamen\u00e1vejte v\u0161echny sv\u00e9 v\u00fddaje, ani\u017e byste je hodnotili. Pak se pod\u00edvejte na kategorie: je b\u011b\u017en\u00e9, \u017ee se mal\u00e9 v\u00fddaje, jako je doprava a p\u0159edplatn\u00e9, na konci m\u011bs\u00edce v\u00fdrazn\u011b nas\u010d\u00edtaj\u00ed.<\/p>\n
S t\u00edmto p\u0159ehledem v ruce si stanovte limit pro ka\u017edou kategorii a sledujte ho v aplikaci. Tak\u00e9 si hned po obdr\u017een\u00ed v\u00fdplaty vyhra\u010fte pevnou \u010d\u00e1stku do sv\u00e9ho rezervn\u00edho fondu, jako by to byl \u00fa\u010det k zaplacen\u00ed.<\/p>\n
Bezpe\u010dnostn\u00ed opat\u0159en\u00ed<\/h2>\n
Stahujte pouze z ofici\u00e1ln\u00edho obchodu, aktivujte heslo aplikace nebo biometrick\u00e9 ov\u011b\u0159ov\u00e1n\u00ed a dejte si pozor na jak\u00e9koli aplikace, kter\u00e9 po\u017eaduj\u00ed va\u0161e bankovn\u00ed heslo prost\u0159ednictv\u00edm zpr\u00e1vy. Legitimn\u00ed aplikace pou\u017e\u00edvaj\u00ed ofici\u00e1ln\u00ed p\u0159ipojen\u00ed a nikdy nevy\u017eaduj\u00ed data p\u0159es WhatsApp nebo e-mail.<\/p>\n
Metoda 50-30-20<\/h2>\n
Jednoduch\u00fd zp\u016fsob, jak si uspo\u0159\u00e1dat rozpo\u010det, je rozd\u011blit si p\u0159\u00edjem na t\u0159i \u010d\u00e1sti: p\u0159ibli\u017en\u011b 501 TP3T na pot\u0159eby (bydlen\u00ed, \u00fa\u010dty, potraviny, doprava), 301 TP3T na p\u0159\u00e1n\u00ed (voln\u00fd \u010das, nakupov\u00e1n\u00ed, j\u00eddlo s sebou) a 201 TP3T na spo\u0159en\u00ed nebo spl\u00e1cen\u00ed dluh\u016f. Procenta se mohou m\u011bnit v z\u00e1vislosti na va\u0161\u00ed realit\u011b, ale toto rozd\u011blen\u00ed v\u00e1m pom\u016f\u017ee vid\u011bt, kde prov\u00e9st \u00fapravy.<\/p>\n
V aplikac\u00edch vytv\u00e1\u0159ejte kategorie, kter\u00e9 se \u0159\u00edd\u00ed touto logikou, a pro ka\u017edou z nich nastavte limit. Aplikace v\u00e1s tak sama upozorn\u00ed, kdy\u017e kategorie \u00fatrat p\u0159ekro\u010d\u00ed pl\u00e1novanou \u010d\u00e1stku.<\/p>\n
Kreditn\u00ed karta pod kontrolou<\/h2>\n
Zaregistrujte ka\u017edou kartu v aplikaci a zaznamen\u00e1vejte n\u00e1kupy v den jejich uskute\u010dn\u011bn\u00ed, nikoli a\u017e po doru\u010den\u00ed faktury. N\u00e1kupy na spl\u00e1tky by m\u011bly b\u00fdt zad\u00e1v\u00e1ny se v\u0161emi spl\u00e1tkami, abyste v\u011bd\u011bli, jak\u00e1 \u010d\u00e1st va\u0161eho p\u0159\u00edjmu na nadch\u00e1zej\u00edc\u00ed m\u011bs\u00edce je ji\u017e vy\u010dlen\u011bna. Vyhn\u011bte se placen\u00ed pouze minim\u00e1ln\u00ed \u010d\u00e1stky na faktur\u011b: \u00farokov\u00e9 sazby revolvingov\u00fdch \u00fav\u011br\u016f pat\u0159\u00ed k nejvy\u0161\u0161\u00edm na trhu.<\/p>\n
\u010casto kladen\u00e9 ot\u00e1zky<\/h2>\nJsou finan\u010dn\u00ed aplikace bezpe\u010dn\u00e9?<\/h3>\n
Zn\u00e1m\u00e9 aplikace pou\u017e\u00edvaj\u00ed \u0161ifrov\u00e1n\u00ed a ofici\u00e1ln\u00ed spojen\u00ed s bankami. I tak si ale chra\u0148te telefon heslem a aktivujte v aplikaci vlastn\u00ed funkci z\u00e1mku.<\/p>\n
Mus\u00edm za jeho pou\u017e\u00edv\u00e1n\u00ed platit?<\/h3>\n
Ne. V\u0161echny aplikace v tomto seznamu maj\u00ed bezplatnou verzi; placen\u00e9 pl\u00e1ny odemykaj\u00ed dal\u0161\u00ed funkce, jako jsou pokro\u010dil\u00e9 p\u0159ehledy.<\/p>\n
Kter\u00fd je nejlep\u0161\u00ed pro za\u010d\u00e1te\u010dn\u00edky?<\/h3>\n
Organizze a Mobills jsou skv\u011bl\u00e9 pro za\u010d\u00e1te\u010dn\u00edky, proto\u017ee se snadno pou\u017e\u00edvaj\u00ed.<\/p>\n
Nejlep\u0161\u00ed aplikace je ta, kterou budete pou\u017e\u00edvat ka\u017ed\u00fd den. Vyzkou\u0161ejte jednu nebo dv\u011b, vyberte si tu, kter\u00e1 v\u00e1m p\u0159ijde nejprakti\u010dt\u011bj\u0161\u00ed, a ud\u011blejte si ze sledov\u00e1n\u00ed v\u00fddaj\u016f zvyk.<\/p>\n
<\/p>\n
SilvaDaily nen\u00ed p\u0159idru\u017eena k WhatsApp nebo Google Play, nen\u00ed jimi sponzorov\u00e1na ani schv\u00e1lena. WhatsApp a Google Play jsou ochrann\u00e9 zn\u00e1mky p\u0159\u00edslu\u0161n\u00fdch vlastn\u00edk\u016f. Propagace a obchodn\u00ed podm\u00ednky by m\u011bly b\u00fdt potvrzeny ofici\u00e1ln\u00edmi kan\u00e1ly.<\/em><\/p>\n<\/p>","protected":false},"excerpt":{"rendered":"
Objevte nejlep\u0161\u00ed aplikace pro finan\u010dn\u00ed kontrolu, kter\u00e9 v\u00e1m pomohou sledovat v\u00fddaje, vytv\u00e1\u0159et rozpo\u010dty a v\u011bd\u011bt, kam va\u0161e pen\u00edze jdou.<\/p>","protected":false},"author":1,"featured_media":1285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-1233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aplicativos"],"_links":{"self":[{"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/posts\/1233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/comments?post=1233"}],"version-history":[{"count":1,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/posts\/1233\/revisions"}],"predecessor-version":[{"id":1270,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/posts\/1233\/revisions\/1270"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/media\/1285"}],"wp:attachment":[{"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/media?parent=1233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/categories?post=1233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silvadaily.com\/cs\/wp-json\/wp\/v2\/tags?post=1233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}