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“Nemam pojma gdje mi je plaća otišla!”, rečenica je koju danas mnogi izgovaraju i u nju zaista vjeruju. Ako vam se čini da vaša plaća "samo nestaje", možda biste trebali uzeti u obzir najčešće troškove koji tome pridonose.

Financijski stručnjaci otkrivaju što vam najviše crpi džepove i novčanike, a uopće vam ne treba:

Trgovine u blizini kuće

Toliko vam dobro pristaju da niste ni svjesni da često u njima nepotrebno trošite novac. Ako ste nešto zaboravili u supermarketu, uvijek možete pogledati u trgovini koja je blizu vaše kuće ili stana. Prema riječima stručnjaka, promet u takvim trgovinama obično je vrlo visok. No, vi to obično ne primjećujete jer ste navikli na takve trgovine i najvjerojatnije poznajete radnice dugi niz godina.

Doručak na putu do posla

Pokušajte izračunati koliko novca potrošite na kavu u uredu ili u kafiću u blizini ureda. U većini slučajeva taj iznos neće biti mali. Kava obično nije ograničena na jednu šalicu ujutro. Popijete ju s prijateljem ili kolegom, a malo kasnije još jednu uz cigaretu i tako uzmete treću. Tada hrenovke ili neko drugo pecivo kupite u pekarnici najbližoj vašem radnom mjestu. Zbog toga vas ova navika može stajati više nego što biste mogli potrošiti na kvalitetan obrok. Bolje je samo donijeti hranu od kuće i ograničiti te troškove.

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image
Lorenzo Di Cola/Nurphoto Via Afp
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Članstvo u teretani u koju niti ne idete

“Nema šanse da idem, ali znam da ću ići sutra”, “Moram dobro izgledati”, “Moram ojačati imunitet”, sve su to rečenice koje izgovarate svaki dan u želji da stvarno dobijete kreće se. Teretane se uvelike oslanjaju na većinu svojih kupaca – one koji tamo ne idu redovito. Budite iskreni prema sebi. Uštedite ovaj iznos umjesto plaćanja članarine koju ne koristite. A ako jednog dana budete imali silnu želju za vježbanjem, učinite to kod kuće ili kupite novu člansku iskaznicu.

Rezerve hrane

Prema istraživanjima, na hranu trošimo petinu svog novca. Ljudi često kupuju “za svaki slučaj”, da slučajno ne ostanu bez nečega u kući. Mnogi, pogotovo u ovom užurbanom ritmu, teže se opskrbiti što većim brojem različitih proizvoda i zadržati ih kao rezervu. Međutim, upravo te zalihe u jednom trenutku postaju neupotrebljive, plijesni ili istrunu, dok drugima jednostavno istekne rok trajanja.

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image
/Shutterstock
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Sitnice na blagajni

Ne kupujte ništa na blagajni, kažu financijski stručnjaci. Ondje, stojeći u redu, pokupite svakakve sitnice - žvakaće gume, britvice, slatkiše... Zna se da je to dio marketinškog trika za povećanje prodaje. Koliko košta pakiranje žvakaćih guma, čak i ako vam ne trebaju? Baš tako svi govore – euro ovamo, euro tamo, a na kraju novčanik bude tanji.

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“Nemam pojma gdje mi je plaća otišla!”, rečenica je koju danas mnogi izgovaraju i u nju zaista vjeruju. Ako vam se čini da vaša plaća "samo nestaje", možda biste trebali uzeti u obzir najčešće troškove koji tome pridonose.

Financijski stručnjaci otkrivaju što vam najviše crpi džepove i novčanike, a uopće vam ne treba:

Trgovine u blizini kuće

Toliko vam dobro pristaju da niste ni svjesni da često u njima nepotrebno trošite novac. Ako ste nešto zaboravili u supermarketu, uvijek možete pogledati u trgovini koja je blizu vaše kuće ili stana. Prema riječima stručnjaka, promet u takvim trgovinama obično je vrlo visok. No, vi to obično ne primjećujete jer ste navikli na takve trgovine i najvjerojatnije poznajete radnice dugi niz godina.

Doručak na putu do posla

Pokušajte izračunati koliko novca potrošite na kavu u uredu ili u kafiću u blizini ureda. U većini slučajeva taj iznos neće biti mali. Kava obično nije ograničena na jednu šalicu ujutro. Popijete ju s prijateljem ili kolegom, a malo kasnije još jednu uz cigaretu i tako uzmete treću. Tada hrenovke ili neko drugo pecivo kupite u pekarnici najbližoj vašem radnom mjestu. Zbog toga vas ova navika može stajati više nego što biste mogli potrošiti na kvalitetan obrok. Bolje je samo donijeti hranu od kuće i ograničiti te troškove.

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image
Lorenzo Di Cola/Nurphoto Via Afp
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Članstvo u teretani u koju niti ne idete

“Nema šanse da idem, ali znam da ću ići sutra”, “Moram dobro izgledati”, “Moram ojačati imunitet”, sve su to rečenice koje izgovarate svaki dan u želji da stvarno dobijete kreće se. Teretane se uvelike oslanjaju na većinu svojih kupaca – one koji tamo ne idu redovito. Budite iskreni prema sebi. Uštedite ovaj iznos umjesto plaćanja članarine koju ne koristite. A ako jednog dana budete imali silnu želju za vježbanjem, učinite to kod kuće ili kupite novu člansku iskaznicu.

Rezerve hrane

Prema istraživanjima, na hranu trošimo petinu svog novca. Ljudi često kupuju “za svaki slučaj”, da slučajno ne ostanu bez nečega u kući. Mnogi, pogotovo u ovom užurbanom ritmu, teže se opskrbiti što većim brojem različitih proizvoda i zadržati ih kao rezervu. Međutim, upravo te zalihe u jednom trenutku postaju neupotrebljive, plijesni ili istrunu, dok drugima jednostavno istekne rok trajanja.

---

image
/Shutterstock
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Sitnice na blagajni

Ne kupujte ništa na blagajni, kažu financijski stručnjaci. Ondje, stojeći u redu, pokupite svakakve sitnice - žvakaće gume, britvice, slatkiše... Zna se da je to dio marketinškog trika za povećanje prodaje. Koliko košta pakiranje žvakaćih guma, čak i ako vam ne trebaju? Baš tako svi govore – euro ovamo, euro tamo, a na kraju novčanik bude tanji.

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/Shutterstock Lorenzo Di Cola/Nurphoto Via Afp /Shutterstock
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StoryEditorOCM
PanoramaEURO, DVA...

Ovih pet ‘sitnih‘ troškova proždire vam plaću, a da niste ni svjesni; Može se srezati, bitno je obratiti pažnju

Piše MOZAIK SD
2. ožujka 2024. - 21:52

“Nemam pojma gdje mi je plaća otišla!”, rečenica je koju danas mnogi izgovaraju i u nju zaista vjeruju. Ako vam se čini da vaša plaća "samo nestaje", možda biste trebali uzeti u obzir najčešće troškove koji tome pridonose.

Financijski stručnjaci otkrivaju što vam najviše crpi džepove i novčanike, a uopće vam ne treba:

Trgovine u blizini kuće

Toliko vam dobro pristaju da niste ni svjesni da često u njima nepotrebno trošite novac. Ako ste nešto zaboravili u supermarketu, uvijek možete pogledati u trgovini koja je blizu vaše kuće ili stana. Prema riječima stručnjaka, promet u takvim trgovinama obično je vrlo visok. No, vi to obično ne primjećujete jer ste navikli na takve trgovine i najvjerojatnije poznajete radnice dugi niz godina.

Doručak na putu do posla

Pokušajte izračunati koliko novca potrošite na kavu u uredu ili u kafiću u blizini ureda. U većini slučajeva taj iznos neće biti mali. Kava obično nije ograničena na jednu šalicu ujutro. Popijete ju s prijateljem ili kolegom, a malo kasnije još jednu uz cigaretu i tako uzmete treću. Tada hrenovke ili neko drugo pecivo kupite u pekarnici najbližoj vašem radnom mjestu. Zbog toga vas ova navika može stajati više nego što biste mogli potrošiti na kvalitetan obrok. Bolje je samo donijeti hranu od kuće i ograničiti te troškove.

image
Lorenzo Di Cola/Nurphoto Via Afp

Članstvo u teretani u koju niti ne idete

“Nema šanse da idem, ali znam da ću ići sutra”, “Moram dobro izgledati”, “Moram ojačati imunitet”, sve su to rečenice koje izgovarate svaki dan u želji da stvarno dobijete kreće se. Teretane se uvelike oslanjaju na većinu svojih kupaca – one koji tamo ne idu redovito. Budite iskreni prema sebi. Uštedite ovaj iznos umjesto plaćanja članarine koju ne koristite. A ako jednog dana budete imali silnu želju za vježbanjem, učinite to kod kuće ili kupite novu člansku iskaznicu.

Rezerve hrane

Prema istraživanjima, na hranu trošimo petinu svog novca. Ljudi često kupuju “za svaki slučaj”, da slučajno ne ostanu bez nečega u kući. Mnogi, pogotovo u ovom užurbanom ritmu, teže se opskrbiti što većim brojem različitih proizvoda i zadržati ih kao rezervu. Međutim, upravo te zalihe u jednom trenutku postaju neupotrebljive, plijesni ili istrunu, dok drugima jednostavno istekne rok trajanja.

image
/Shutterstock

Sitnice na blagajni

Ne kupujte ništa na blagajni, kažu financijski stručnjaci. Ondje, stojeći u redu, pokupite svakakve sitnice - žvakaće gume, britvice, slatkiše... Zna se da je to dio marketinškog trika za povećanje prodaje. Koliko košta pakiranje žvakaćih guma, čak i ako vam ne trebaju? Baš tako svi govore – euro ovamo, euro tamo, a na kraju novčanik bude tanji.

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21. svibanj 2024 17:11