{"id":1431,"date":"2023-08-07T13:02:46","date_gmt":"2023-08-07T11:02:46","guid":{"rendered":"https:\/\/regbu.com\/?p=1431"},"modified":"2025-09-05T07:40:15","modified_gmt":"2025-09-05T05:40:15","slug":"minimalizace-dluhu-jak-na-to","status":"publish","type":"post","link":"https:\/\/regbu.com\/sl\/zmanjsevanje-dolga-kako\/","title":{"rendered":"Zmanj\u0161evanje dolgov - kako to storiti?"},"content":{"rendered":"<p>Zmanj\u0161evanje dolga je tema, ki ustreza vsakomur, ki ni preveril z\u00a0<strong><a href=\"https:\/\/regbu.com\/sl\/ameriska-hipotekarka-iz-klasicne-filozofije-lissa\/\">Ameri\u0161ka hipoteka<\/a><\/strong> ali drugo vrsto posojila in se zna\u0161el v finan\u010dnih te\u017eavah. Na za\u010detku tega \u010dlanka je treba omeniti, da ni dobro vbijati klina. To pomeni, da ne najemajte ve\u010d posojil, da bi popla\u010dali prvotna posojila.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zmanj\u0161ajte svoje stro\u0161ke<\/li>\n\n\n\n<li>Poskusite pove\u010dati dohodek<\/li>\n\n\n\n<li>Re\u0161evanje te\u017eav z upniki<\/li>\n<\/ul>\n\n\n\n<p>Verjetno vsi pravilno \u010dutijo, da je nekaj narobe. \u010ce vam sredi meseca za\u010dne primanjkovati denarja za osnovne \u017eivljenjske potreb\u0161\u010dine <em>imate premalo sredstev.<\/em> za odpla\u010dilo dolga, je slabo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Za\u010dnite z zmanj\u0161anjem porabe<\/h2>\n\n\n\n<p>V primeru finan\u010dnih te\u017eav najprej napadite svoje <strong>dru\u017einski prora\u010dun<\/strong>. \u010ce redno vodite evidenco svojih prihodkov in odhodkov, bo ta korak \u0161e la\u017eji. Zmanj\u0161evanje dolga je treba za\u010deti z zmanj\u0161evanjem porabe. \u010ceprav se bo va\u0161 \u017eivljenjski standard poslab\u0161al, je to nujno. Tako lahko na primer odpoveste razli\u010dne naro\u010dnine, omejite hobije in ne zapravljate v restavracijah.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Zmanj\u0161evanje dolgov - vpra\u0161anja in odgovori<\/h3>\n\n\n\n<p>Naslednji korak je nekoliko bolj zahteven in morate biti bolj proaktivni. Poskusite <strong>pove\u010dajte svoj prihodek.<\/strong>kar vam bo olaj\u0161alo pla\u010devanje mese\u010dnih obrokov in omogo\u010dilo, da vam bo ostal denar za vsakodnevne potrebe. Druge nasvete in napotke najdete v spodnjih vpra\u0161anjih in odgovorih.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1691492425525\"><strong class=\"schema-faq-question\">Ali obstajajo dodatni kreditni produkti?<\/strong> <p class=\"schema-faq-answer\">Da, lahko na primer uporabite konsolidacijo posojil. S tem konsolidirate svoja posojila. Obstaja tudi refinanciranje posojil, pri katerem staro neugodno posojilo nadomestite z novim in ugodnim.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492432288\"><strong class=\"schema-faq-question\">Kaj lahko \u0161e storite za zmanj\u0161anje dolga?<\/strong> <p class=\"schema-faq-answer\">Postavite si cilje, ki se jih strogo dr\u017eite, da ne padete v dol\u017eni\u0161ko past.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492441974\"><strong class=\"schema-faq-question\">Kako pove\u010dati dohodek?<\/strong> <p class=\"schema-faq-answer\">Predvsem gre za drugo delo ali delo s kraj\u0161im delovnim \u010dasom. \u010ce nimate ve\u010d mo\u017enosti drugega dohodka, je druga mo\u017enost dr\u017eavni sistem socialnega varstva.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492449888\"><strong class=\"schema-faq-question\">\u010ce ne morem pla\u010devati, kdaj lahko najprej prekli\u010dem rezervacijo?<\/strong> <p class=\"schema-faq-answer\">Predvsem se osredoto\u010dite na preklic in odpla\u010devanje kreditnih produktov, kot so prekora\u010ditve na ra\u010dunu in kreditne kartice.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1691492457088\"><strong class=\"schema-faq-question\">Kaj storiti, \u010de noben od zgoraj navedenih na\u010dinov ne deluje?<\/strong> <p class=\"schema-faq-answer\">Potem se obrnite na strokovnjake za dolgove. Ali pa se obrnite neposredno na upnika in poskusite najti re\u0161itev.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Zmanj\u0161evanje dolga je tema, ki pride prav vsakomur, ki se mu je pri ameri\u0161ki hipoteki ali drugi vrsti posojila zalomilo in se je zna\u0161el v finan\u010dnih te\u017eavah. Takoj na za\u010detku tega \u010dlanka velja omeniti, da ni dobra ideja, da bi vbijali klin. To pomeni, da ne najemajte dodatnih posojil, da bi odpla\u010dali prvotna posojila. Vsako ... <\/p>","protected":false},"author":2,"featured_media":1432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1755,665,1753,1754,421,650,605,627,628,468],"class_list":["post-1431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-dluh","tag-dluhy","tag-minimalizace","tag-minimalizace-dluhu","tag-prijmy","tag-pujcka","tag-rodinny-rozpocet","tag-uver","tag-uvery","tag-vydaje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Minimalizace dluh\u016f \u2013 Jak na to? - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Minimalizace dluh\u016f je naprost\u00fdm z\u00e1kladem ka\u017ed\u00e9 situace, kdy nejste schopni spl\u00e1cet sv\u00e9 z\u00e1vazky. 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