{"id":1827,"date":"2026-03-04T13:10:06","date_gmt":"2026-03-04T13:10:06","guid":{"rendered":"https:\/\/www.ewo.sk\/?p=1827"},"modified":"2026-03-04T13:14:55","modified_gmt":"2026-03-04T13:14:55","slug":"tipy-ako-v-zahranici-usetrit-tisice-eur-rocne","status":"publish","type":"post","link":"https:\/\/www.ewo.sk\/cs\/tipy-ako-v-zahranici-usetrit-tisice-eur-rocne\/","title":{"rendered":"Tipy, ako v zahrani\u010d\u00ed u\u0161etri\u0165 tis\u00edce eur ro\u010dne"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1827\" class=\"elementor elementor-1827\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-405dd6aa elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"405dd6aa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6dc25def\" data-id=\"6dc25def\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-334ca969 elementor-invisible elementor-widget elementor-widget-gum_heading\" data-id=\"334ca969\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"gum_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"gum-widget-title\"><h1 class=\"section-main-title size-default\">Tipy, ako v zahrani\u010d\u00ed u\u0161etri\u0165 tis\u00edce eur ro\u010dne<\/h1><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62fd728a elementor-widget elementor-widget-gum_post_image\" data-id=\"62fd728a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gum_post_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"blog-featureimage\" style=\"background-image: url(https:\/\/www.ewo.sk\/wp-content\/uploads\/2026\/03\/closeup-female-hands-counting-euro-banknotes-world-money-inflation-economy-concept-scaled.jpg)\"><img decoding=\"async\" src=\"https:\/\/www.ewo.sk\/wp-content\/uploads\/2026\/03\/closeup-female-hands-counting-euro-banknotes-world-money-inflation-economy-concept-scaled.jpg\" title=\"\" alt=\"\" \/><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a27018 elementor-post-meta-divider-text elementor-invisible elementor-widget elementor-widget-gum_post_meta\" data-id=\"7a27018\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"gum_post_meta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"posts-meta\"><li class=\"list-meta\"><a href=\"https:\/\/www.ewo.sk\/cs\/\"><i aria-hidden=\"true\" class=\"\"><\/i><span class=\"meta-text\">Ewo<\/span><\/a><\/li><li class=\"meta-divider\"><span>.<\/span><\/li><li class=\"list-meta\"><a href=\"https:\/\/www.ewo.sk\/cs\/2026\/03\/04\/\"><i aria-hidden=\"true\" class=\"\"><\/i><span class=\"meta-text\">4 b\u0159ezna, 2026<\/span><\/a><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eccc81b elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4eccc81b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6af549c2 elementor-invisible\" data-id=\"6af549c2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53739ac3 elementor-widget elementor-widget-heading\" data-id=\"53739ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pou\u017e\u00edvajte spr\u00e1vne bankov\u00e9 slu\u017eby a sledujte si v\u00fddavky<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-126dec9c elementor-widget elementor-widget-text-editor\" data-id=\"126dec9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"684\" data-end=\"1008\">V zahrani\u010d\u00ed sa peniaze \u010dasto nen\u00e1padne str\u00e1caj\u00fa na bankov\u00fdch poplatkoch, v\u00fdberoch z bankomatu a nev\u00fdhodn\u00fdch kurzoch. Jeden v\u00fdber z bankomatu V\u00e1s m\u00f4\u017ee st\u00e1\u0165 3 \u2013 5 \u20ac navy\u0161e, v niektor\u00fdch pr\u00edpadoch aj 2 % z vyberanej sumy. Ak vyber\u00e1te hotovos\u0165 pravidelne, za rok to m\u00f4\u017ee urobi\u0165 pokojne 200 \u2013 300 \u20ac len na poplatkoch.<\/p><p data-start=\"1010\" data-end=\"1459\">Najjednoduch\u0161ie rie\u0161enie je vybra\u0165 si spr\u00e1vny typ \u00fa\u010dtu a platieb. Praktickou vo\u013ebou b\u00fdvaj\u00fa neobanky ako Wise, Revolut alebo N26, ktor\u00e9 umo\u017e\u0148uj\u00fa plati\u0165 vo viacer\u00fdch men\u00e1ch s v\u00fdhodnej\u0161\u00edm kurzom a zni\u017euj\u00fa zbyto\u010dn\u00e9 poplatky. Lok\u00e1lny bankov\u00fd \u00fa\u010det m\u00f4\u017ee by\u0165 tie\u017e dobr\u00e1 mo\u017enos\u0165, no \u010dasto vy\u017eaduje pracovn\u00fa zmluvu, doklad o pobyte a proces otvorenia m\u00f4\u017ee trva\u0165 aj nieko\u013eko t\u00fd\u017ed\u0148ov. Preto s\u00fa neobanky pre \u0161tart v zahrani\u010d\u00ed zvy\u010dajne r\u00fdchlej\u0161ie a praktickej\u0161ie.<\/p><p data-start=\"1461\" data-end=\"1751\">Rovnako d\u00f4le\u017eit\u00e9 je ma\u0165 preh\u013ead o v\u00fddavkoch. Ak si za\u010dnete vies\u0165 rozpo\u010det, r\u00fdchlo zist\u00edte, kam v\u00e1m odtekaj\u00fa peniaze. Pom\u00f4\u017eu aplik\u00e1cie ako Spendee, Wallet alebo YNAB, ale pokojne sta\u010d\u00ed Excel \u010di jednoduch\u00fd zoznam v mobile. D\u00f4le\u017eit\u00e9 je, aby ste videli \u010d\u00edsla, a\u017e vtedy sa s nimi d\u00e1 pracova\u0165.<\/p><p data-start=\"1753\" data-end=\"2001\">Pozor si dajte aj na tzv. <strong data-start=\"1779\" data-end=\"1810\">dynamic currency conversion<\/strong>. Pri platbe kartou alebo v\u00fdbere z bankomatu v\u00e1m niekedy pon\u00faknu mo\u017enos\u0165 zaplati\u0165 v dom\u00e1cej mene. Znie to pohodlne, ale kurz je takmer v\u017edy nev\u00fdhodn\u00fd. V\u017edy je lep\u0161ie plati\u0165 v miestnej mene.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-653f4ba elementor-widget elementor-widget-heading\" data-id=\"653f4ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zdie\u013eajte b\u00fdvanie, varte doma a nakupujte rozumne<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0a9b6e elementor-widget elementor-widget-text-editor\" data-id=\"2a0a9b6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2066\" data-end=\"2216\">Najv\u00e4\u010d\u0161\u00edm \u017er\u00fatom pe\u0148az\u00ed b\u00fdva v zahrani\u010d\u00ed b\u00fdvanie a strava.<\/p><p data-start=\"2218\" data-end=\"2475\">Zdie\u013ean\u00e1 izba alebo byt b\u00fdva v\u00fdrazne lacnej\u0161\u00ed ne\u017e samostatn\u00e9 b\u00fdvanie. Pri dlh\u0161om pobyte to rob\u00ed \u00fasporu v tis\u00edcoch eur ro\u010dne.<\/p><p data-start=\"2477\" data-end=\"2804\">Pri h\u013eadan\u00ed ubytovania pom\u00e1haj\u00fa lok\u00e1lne port\u00e1ly pod\u013ea krajiny. V Nemecku je zn\u00e1my WG-Gesucht, v \u0160panielsku Idealista, dobre funguj\u00fa aj Facebook skupiny v konkr\u00e9tnom meste. Ak sa d\u00e1, oplat\u00ed sa pozrie\u0165 aj mimo centra, n\u00e1jom je tam \u010dasto ni\u017e\u0161\u00ed, pri\u010dom d\u00f4le\u017eit\u00e9 je najm\u00e4 dobr\u00e9 spojenie do pr\u00e1ce a ob\u010dianska vybavenos\u0165.<\/p><p data-start=\"2806\" data-end=\"3156\">Druh\u00fd ve\u013ek\u00fd rozdiel rob\u00ed strava. Ak budete pravidelne jes\u0165 vonku, rozpo\u010det sa v\u00e1m rozpadne ve\u013emi r\u00fdchlo. Obed v re\u0161taur\u00e1cii stoj\u00ed \u010dasto 12 \u20ac a viac, k\u00fdm dom\u00e1ce jedlo vyjde na 2 \u2013 3 \u20ac. Pri ka\u017edodennom obedovan\u00ed mimo domu m\u00f4\u017ee by\u0165 rozdiel 150 \u2013 250 \u20ac mesa\u010dne. Ak si za\u010dnete vari\u0165 doma a priprav\u00edte si jedlo dopredu na viac dn\u00ed, u\u0161etr\u00edte peniaze aj \u010das.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc8d841 elementor-widget elementor-widget-heading\" data-id=\"1fc8d841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Premyslite si, ako budete chodi\u0165 do pr\u00e1ce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79651ae9 elementor-widget elementor-widget-text-editor\" data-id=\"79651ae9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3213\" data-end=\"3468\">Doprava je \u010fal\u0161ia polo\u017eka, ktor\u00e1 dok\u00e1\u017ee zhltn\u00fa\u0165 ve\u013ek\u00fa \u010das\u0165 v\u00fdplaty najm\u00e4 ak jazd\u00edte autom. Pri aute treba po\u010d\u00edta\u0165 nielen s palivom, ale aj s poisten\u00edm, parkovan\u00edm a servisom. V s\u00fa\u010dte s\u00fa to tis\u00edce eur ro\u010dne.<\/p><p data-start=\"3470\" data-end=\"3915\">Preto sa oplat\u00ed prepo\u010d\u00edta\u0165, \u010di je auto naozaj najv\u00fdhodnej\u0161ia vo\u013eba. V mnoh\u00fdch mest\u00e1ch vych\u00e1dza lacnej\u0161ie verejn\u00e1 doprava, najm\u00e4 pri mesa\u010dnej permanentke. Okrem toho niektor\u00ed zamestn\u00e1vatelia vedia prepl\u00e1ca\u0165 \u010das\u0165 cestovn\u00e9ho alebo prispieva\u0165 na l\u00edstok. Ak b\u00fdvate bli\u017e\u0161ie, \u00faplne ide\u00e1lne rie\u0161enie je bicykel alebo kolobe\u017eka.<\/p><p data-start=\"3917\" data-end=\"4109\">Ak mus\u00edte doch\u00e1dza\u0165 na v\u00e4\u010d\u0161ie vzdialenosti, d\u00e1va zmysel aj spolujazda. Carpooling alebo rozdelenie n\u00e1kladov s kolegami vie v\u00fdrazne zn\u00ed\u017ei\u0165 v\u00fddavky na dopravu bez toho, aby ste stratili komfort.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64a7b3 elementor-widget elementor-widget-heading\" data-id=\"f64a7b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nakupujte a jedzte ako miestni<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a32fdce elementor-widget elementor-widget-text-editor\" data-id=\"a32fdce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4155\" data-end=\"4302\">Ve\u013ek\u00e1 \u010das\u0165 \u013eud\u00ed m\u00ed\u0148a v zahrani\u010d\u00ed viac len preto, \u017ee nakupuje v drah\u0161\u00edch re\u0165azcoch, bez pl\u00e1novania a bez vyu\u017e\u00edvania lok\u00e1lnych mo\u017enost\u00ed.<\/p><p data-start=\"4304\" data-end=\"4595\">V z\u00e1padnej Eur\u00f3pe vedia by\u0165 rozdiely medzi obchodmi v\u00fdrazn\u00e9. Diskontn\u00e9 re\u0165azce ako Lidl alebo Aldi b\u00fdvaj\u00fa \u010dasto podstatne lacnej\u0161ie ne\u017e in\u00e9 obchody, pri\u010dom rozdiely pri rovnak\u00fdch potravin\u00e1ch m\u00f4\u017eu by\u0165 aj 30 \u2013 40 %. Aj mal\u00e1 zmena n\u00e1kupn\u00e9ho zvyku tak vie spravi\u0165 ve\u013ek\u00fd rozdiel na konci mesiaca.<\/p><p data-start=\"4597\" data-end=\"4914\">Z\u00e1rove\u0148 sa oplat\u00ed vyu\u017e\u00edva\u0165 akcie a aplik\u00e1cie proti plytvaniu. Napr\u00edklad Too Good To Go umo\u017e\u0148uje k\u00fapi\u0165 pred zatvoren\u00edm jedlo z re\u0161taur\u00e1ci\u00ed alebo pek\u00e1rn\u00ed za zlomok ceny. Mnoh\u00e9 obchody maj\u00fa aj pravideln\u00e9 z\u013eavov\u00e9 re\u017eimy na produkty pred expir\u00e1ciou. Ak to za\u010dnete vyu\u017e\u00edva\u0165, be\u017ene u\u0161etr\u00edte 30 \u2013 50 % na vybran\u00fdch polo\u017ek\u00e1ch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5dec3 elementor-widget elementor-widget-heading\" data-id=\"3a5dec3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bonus tip pre Nemecko: nezabudnite na da\u0148ov\u00e9 priznanie (Steuererkl\u00e4rung)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd7a2ba elementor-widget elementor-widget-text-editor\" data-id=\"fd7a2ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4999\" data-end=\"5291\">Ak pracujete v Nemecku, po konci roka sa oplat\u00ed poda\u0165 da\u0148ov\u00e9 priznanie. Mnoh\u00ed \u013eudia netu\u0161ia, \u017ee si m\u00f4\u017eu z\u00edska\u0165 sp\u00e4\u0165 \u010das\u0165 zaplaten\u00fdch dan\u00ed \u2013 \u010dasto ide o stovky a\u017e tis\u00edce eur ro\u010dne. Je to leg\u00e1lny a be\u017en\u00fd proces, ktor\u00fd v Nemecku vyu\u017e\u00edva ve\u013ea pracuj\u00facich.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Tipy, ako v zahrani\u010d\u00ed u\u0161etri\u0165 tis\u00edce eur ro\u010dne Ewo . March 4, 2026 Pou\u017e\u00edvajte spr\u00e1vne bankov\u00e9 slu\u017eby a sledujte si v\u00fddavky V zahrani\u010d\u00ed sa peniaze \u010dasto nen\u00e1padne str\u00e1caj\u00fa na bankov\u00fdch poplatkoch, v\u00fdberoch z bankomatu a nev\u00fdhodn\u00fdch kurzoch. Jeden v\u00fdber z bankomatu V\u00e1s m\u00f4\u017ee st\u00e1\u0165 3 \u2013 5 \u20ac navy\u0161e, v niektor\u00fdch pr\u00edpadoch aj 2 % z vyberanej sumy. Ak vyber\u00e1te hotovos\u0165 pravidelne, za rok to m\u00f4\u017ee urobi\u0165 pokojne 200 \u2013 300 \u20ac len na poplatkoch. Najjednoduch\u0161ie rie\u0161enie je vybra\u0165 si spr\u00e1vny typ \u00fa\u010dtu a platieb. Praktickou vo\u013ebou b\u00fdvaj\u00fa neobanky ako Wise, Revolut alebo N26, ktor\u00e9 umo\u017e\u0148uj\u00fa plati\u0165 vo viacer\u00fdch men\u00e1ch s v\u00fdhodnej\u0161\u00edm kurzom a zni\u017euj\u00fa zbyto\u010dn\u00e9 poplatky. Lok\u00e1lny bankov\u00fd \u00fa\u010det m\u00f4\u017ee by\u0165 tie\u017e dobr\u00e1 mo\u017enos\u0165, no \u010dasto vy\u017eaduje pracovn\u00fa zmluvu, doklad o pobyte a proces otvorenia m\u00f4\u017ee trva\u0165 aj nieko\u013eko t\u00fd\u017ed\u0148ov. Preto s\u00fa neobanky pre \u0161tart v zahrani\u010d\u00ed zvy\u010dajne r\u00fdchlej\u0161ie a praktickej\u0161ie. Rovnako d\u00f4le\u017eit\u00e9 je ma\u0165 preh\u013ead o v\u00fddavkoch. Ak si za\u010dnete vies\u0165 rozpo\u010det, r\u00fdchlo zist\u00edte, kam v\u00e1m odtekaj\u00fa peniaze. Pom\u00f4\u017eu aplik\u00e1cie ako Spendee, Wallet alebo YNAB, ale pokojne sta\u010d\u00ed Excel \u010di jednoduch\u00fd zoznam v mobile. D\u00f4le\u017eit\u00e9 je, aby ste videli \u010d\u00edsla, a\u017e vtedy sa s nimi d\u00e1 pracova\u0165. Pozor si dajte aj na tzv. dynamic currency conversion. Pri platbe kartou alebo v\u00fdbere z bankomatu v\u00e1m niekedy pon\u00faknu mo\u017enos\u0165 zaplati\u0165 v dom\u00e1cej mene. Znie to pohodlne, ale kurz je takmer v\u017edy nev\u00fdhodn\u00fd. V\u017edy je lep\u0161ie plati\u0165 v miestnej mene. Zdie\u013eajte b\u00fdvanie, varte doma a nakupujte rozumne Najv\u00e4\u010d\u0161\u00edm \u017er\u00fatom pe\u0148az\u00ed b\u00fdva v zahrani\u010d\u00ed b\u00fdvanie a strava. Zdie\u013ean\u00e1 izba alebo byt b\u00fdva v\u00fdrazne lacnej\u0161\u00ed ne\u017e samostatn\u00e9 b\u00fdvanie. Pri dlh\u0161om pobyte to rob\u00ed \u00fasporu v tis\u00edcoch eur ro\u010dne. Pri h\u013eadan\u00ed ubytovania pom\u00e1haj\u00fa lok\u00e1lne port\u00e1ly pod\u013ea krajiny. V Nemecku je zn\u00e1my WG-Gesucht, v \u0160panielsku Idealista, dobre funguj\u00fa aj Facebook skupiny v konkr\u00e9tnom meste. Ak sa d\u00e1, oplat\u00ed sa pozrie\u0165 aj mimo centra, n\u00e1jom je tam \u010dasto ni\u017e\u0161\u00ed, pri\u010dom d\u00f4le\u017eit\u00e9 je najm\u00e4 dobr\u00e9 spojenie do pr\u00e1ce a ob\u010dianska vybavenos\u0165. Druh\u00fd ve\u013ek\u00fd rozdiel rob\u00ed strava. Ak budete pravidelne jes\u0165 vonku, rozpo\u010det sa v\u00e1m rozpadne ve\u013emi r\u00fdchlo. Obed v re\u0161taur\u00e1cii stoj\u00ed \u010dasto 12 \u20ac a viac, k\u00fdm dom\u00e1ce jedlo vyjde na 2 \u2013 3 \u20ac. Pri ka\u017edodennom obedovan\u00ed mimo domu m\u00f4\u017ee by\u0165 rozdiel 150 \u2013 250 \u20ac mesa\u010dne. Ak si za\u010dnete vari\u0165 doma a priprav\u00edte si jedlo dopredu na viac dn\u00ed, u\u0161etr\u00edte peniaze aj \u010das. Premyslite si, ako budete chodi\u0165 do pr\u00e1ce Doprava je \u010fal\u0161ia polo\u017eka, ktor\u00e1 dok\u00e1\u017ee zhltn\u00fa\u0165 ve\u013ek\u00fa \u010das\u0165 v\u00fdplaty najm\u00e4 ak jazd\u00edte autom. Pri aute treba po\u010d\u00edta\u0165 nielen s palivom, ale aj s poisten\u00edm, parkovan\u00edm a servisom. V s\u00fa\u010dte s\u00fa to tis\u00edce eur ro\u010dne. Preto sa oplat\u00ed prepo\u010d\u00edta\u0165, \u010di je auto naozaj najv\u00fdhodnej\u0161ia vo\u013eba. V mnoh\u00fdch mest\u00e1ch vych\u00e1dza lacnej\u0161ie verejn\u00e1 doprava, najm\u00e4 pri mesa\u010dnej permanentke. Okrem toho niektor\u00ed zamestn\u00e1vatelia vedia prepl\u00e1ca\u0165 \u010das\u0165 cestovn\u00e9ho alebo prispieva\u0165 na l\u00edstok. Ak b\u00fdvate bli\u017e\u0161ie, \u00faplne ide\u00e1lne rie\u0161enie je bicykel alebo kolobe\u017eka. Ak mus\u00edte doch\u00e1dza\u0165 na v\u00e4\u010d\u0161ie vzdialenosti, d\u00e1va zmysel aj spolujazda. Carpooling alebo rozdelenie n\u00e1kladov s kolegami vie v\u00fdrazne zn\u00ed\u017ei\u0165 v\u00fddavky na dopravu bez toho, aby ste stratili komfort. Nakupujte a jedzte ako miestni Ve\u013ek\u00e1 \u010das\u0165 \u013eud\u00ed m\u00ed\u0148a v zahrani\u010d\u00ed viac len preto, \u017ee nakupuje v drah\u0161\u00edch re\u0165azcoch, bez pl\u00e1novania a bez vyu\u017e\u00edvania lok\u00e1lnych mo\u017enost\u00ed. V z\u00e1padnej Eur\u00f3pe vedia by\u0165 rozdiely medzi obchodmi v\u00fdrazn\u00e9. Diskontn\u00e9 re\u0165azce ako Lidl alebo Aldi b\u00fdvaj\u00fa \u010dasto podstatne lacnej\u0161ie ne\u017e in\u00e9 obchody, pri\u010dom rozdiely pri rovnak\u00fdch potravin\u00e1ch m\u00f4\u017eu by\u0165 aj 30 \u2013 40 %. Aj mal\u00e1 zmena n\u00e1kupn\u00e9ho zvyku tak vie spravi\u0165 ve\u013ek\u00fd rozdiel na konci mesiaca. Z\u00e1rove\u0148 sa oplat\u00ed vyu\u017e\u00edva\u0165 akcie a aplik\u00e1cie proti plytvaniu. Napr\u00edklad Too Good To Go umo\u017e\u0148uje k\u00fapi\u0165 pred zatvoren\u00edm jedlo z re\u0161taur\u00e1ci\u00ed alebo pek\u00e1rn\u00ed za zlomok ceny. Mnoh\u00e9 obchody maj\u00fa aj pravideln\u00e9 z\u013eavov\u00e9 re\u017eimy na produkty pred expir\u00e1ciou. Ak to za\u010dnete vyu\u017e\u00edva\u0165, be\u017ene u\u0161etr\u00edte 30 \u2013 50 % na vybran\u00fdch polo\u017ek\u00e1ch. Bonus tip pre Nemecko: nezabudnite na da\u0148ov\u00e9 priznanie (Steuererkl\u00e4rung) Ak pracujete v Nemecku, po konci roka sa oplat\u00ed poda\u0165 da\u0148ov\u00e9 priznanie. Mnoh\u00ed \u013eudia netu\u0161ia, \u017ee si m\u00f4\u017eu z\u00edska\u0165 sp\u00e4\u0165 \u010das\u0165 zaplaten\u00fdch dan\u00ed \u2013 \u010dasto ide o stovky a\u017e tis\u00edce eur ro\u010dne. Je to leg\u00e1lny a be\u017en\u00fd proces, ktor\u00fd v Nemecku vyu\u017e\u00edva ve\u013ea pracuj\u00facich.<\/p>","protected":false},"author":1,"featured_media":1829,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/1827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/comments?post=1827"}],"version-history":[{"count":5,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/1827\/revisions"}],"predecessor-version":[{"id":1833,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/1827\/revisions\/1833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/media\/1829"}],"wp:attachment":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/media?parent=1827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/categories?post=1827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/tags?post=1827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}