{"id":759,"date":"2023-05-10T14:08:10","date_gmt":"2023-05-10T12:08:10","guid":{"rendered":"https:\/\/regbu.com\/?p=759"},"modified":"2025-09-05T07:42:25","modified_gmt":"2025-09-05T05:42:25","slug":"rodinny-financni-plan-vas-muze-zachranit","status":"publish","type":"post","link":"https:\/\/regbu.com\/sl\/druzinski-financni-nacrt-vas-lahko-prihrani\/","title":{"rendered":"Dru\u017einski finan\u010dni na\u010drt vam lahko prihrani"},"content":{"rendered":"<p>Dru\u017einski finan\u010dni na\u010drt ali prora\u010dun ima veliko te\u017eo in pomen. \u010ceprav se mnogi tega ne zavedajo, je prav upravljanje denarja <strong>lahko razkrije pomanjkljivosti va\u0161e porabe.<\/strong>vam bo pomagal prihraniti denar in vam omogo\u010dil izpolnitev prihodnjih na\u010drtov. Koraki, ki so povezani z njegovo vzpostavitvijo, so precej preprosti.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primerjava prihodkov in odhodkov<\/li>\n\n\n\n<li>Oblikovanje ciljev in finan\u010dne strategije<\/li>\n\n\n\n<li>Skladnost s finan\u010dnim na\u010drtom<\/li>\n<\/ul>\n\n\n\n<p>Seveda lahko dru\u017einski prora\u010dun pove\u010dajo tudi nepri\u010dakovane situacije. Tem se je treba prilagoditi in jih re\u0161iti. Tipi\u010den primer je, ko izdatki presegajo prihodke. V svoj na\u010drt lahko vklju\u010dite tudi <a href=\"https:\/\/regbu.com\/sl\/nalozbene-moznosti-so-precej-bogate\/\"><strong>nalo\u017ebene prilo\u017enosti<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Za\u010dnite od samega za\u010detka<\/h2>\n\n\n\n<p>Preden za\u010dnete pripravljati dru\u017einski finan\u010dni na\u010drt, razmislite o najpomembnej\u0161ih stvareh. Kako ga \u017eelite voditi? <em>Na voljo je ve\u010d uporabnih mo\u017enosti<\/em>vsaka od njih prina\u0161a dolo\u010dene prednosti in slabosti. Izbrana re\u0161itev se lahko razlikuje glede na interese, generacijo in ljudi.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Svin\u010dnik in papir<\/td><td>Poceni, a naporno<\/td><\/tr><tr><td>Excelova preglednica<\/td><td>Prakti\u010dno in za bolj izku\u0161ene<\/td><\/tr><tr><td>Mobilne aplikacije<\/td><td>Prilagodljiv in vedno z vami<\/td><\/tr><tr><td>Metoda ovojnice<\/td><td>Konservativno in preprosto<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Metode, s katerimi lahko vodite evidenco o svojem dru\u017einskem finan\u010dnem na\u010drtu.<\/figcaption><\/figure>\n\n\n\n<p>Verjetno vsi pravilno sklepate, da je dru\u017einski finan\u010dni na\u010drt namenjen predvsem bele\u017eenju prihodkov in odhodkov, na podlagi katerih lahko nato pripravimo osnovo. \u010ce vse zapi\u0161ete na papir, so morebitne prilagoditve zamudne in pogosto nemogo\u010de. V tem pogledu ima prednost elektronska oblika, ki jo imate lahko tudi vedno pri roki.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dru\u017einski finan\u010dni na\u010drt - metoda ovojnice<\/h3>\n\n\n\n<p>Metoda ovojnice je predvsem stvar na\u0161ih mater in o\u010detov. V svoji hi\u0161i niso imeli sodobnih sredstev, zato so se odlo\u010dili za <strong>najustreznej\u0161i na\u010din.<\/strong>. Opozoriti je treba, da se je ohranil do danes. Nekateri ljudje se radi vra\u010dajo k ovojnici in jo imajo za osnovo svojega dru\u017einskega prora\u010duna.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Pri metodi ovojnic denar razdelite v posamezne ovojnice. Te so opisane in vsaka se uporablja za financiranje razli\u010dnih stvari. <\/p>\n<cite>Mike P., finan\u010dni svetovalec.<\/cite><\/blockquote>\n\n\n\n<p>Tako boste na prvi pogled vedeli, kako se razvija va\u0161 dru\u017einski finan\u010dni na\u010drt in koliko denarja vam \u0161e ostaja. Po drugi strani pa obstaja nevarnost, da izgubite ovojnico in s tem tudi svoje finance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-1024x577.jpg\" alt=\"\" class=\"wp-image-761\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-1024x577.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/tvorba-financniho-planu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Tako je lahko videti zapis o prihodkih na oglasni deski.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Finan\u010dni na\u010drt dru\u017eine - prihodki in odhodki<\/h2>\n\n\n\n<p>Naslednji korak pri oblikovanju dru\u017einskega finan\u010dnega na\u010drta je \u017ee omenjeno razvr\u0161\u010danje financ. <em>Sestavite natan\u010den seznam vseh dohodkov v va\u0161em gospodinjstvu.<\/em>vklju\u010dno z razli\u010dnimi ugodnostmi, stranskimi dohodki, enkratnimi dohodki itd. Dru\u017einski prora\u010dun ima v osnovi tri glavne to\u010dke.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prihodki<\/li>\n\n\n\n<li>Odhodki<\/li>\n\n\n\n<li>Primerjaj<\/li>\n<\/ul>\n\n\n\n<p>Tudi med stro\u0161ki ne smete zanemariti nobene od pomembnih postavk. Mimogrede jih razvrstite v ustrezne skupine, bodisi nujne, nepotrebne, za zabavo, za delovanje gospodinjstva in tako naprej.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Model dru\u017einskega prora\u010duna<\/h3>\n\n\n\n<p>Na prvi pogled je morda vse skupaj videti precej zapleteno, vendar ni tako. Pri dru\u017einskem finan\u010dnem na\u010drtu gre predvsem za primerjavo prihodkov in odhodkov. <strong>Vse svoje prihodke spravite na en kup<\/strong> in jih razdelite v skladu z enim od obi\u010dajnih vzorcev. Enega od njih bomo predstavili v spodnji tabeli.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>70 %<\/td><td>Nujni \u017eivljenjski stro\u0161ki<\/td><\/tr><tr><td>20 %<\/td><td>Kratkoro\u010dni prihranki<\/td><\/tr><tr><td>10 %<\/td><td>Zabava in druge stvari<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Eden od priljubljenih modelov za prerazporejanje sredstev v gospodinjstvu.<\/figcaption><\/figure>\n\n\n\n<p>To je okvirni dru\u017einski finan\u010dni na\u010drt, ki ima seveda lahko razli\u010dne oblike. Lahko se na primer sre\u010date z razli\u010dico 50-30-20. Podrobnej\u0161i dru\u017einski prora\u010duni z razdelitvijo 50-10-10-10, pri \u010demer je vsaka kategorija dodeljena dolo\u010denemu odhodku, niso nobena izjema.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pove\u010danje prihodkov nad odhodki<\/h3>\n\n\n\n<p>Logi\u010dno je, da morate za uspe\u0161no vzpostavitev dru\u017einskega finan\u010dnega na\u010drta izpolniti enega od osnovnih pogojev. Prihodki morajo za vsako ceno presegati odhodke. \u010ce temu ni tako, to spremenite. Brez te osnovne opredelitve boste le ste\u017eka dosegli \u017eelene cilje.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Svoj dohodek lahko pove\u010date na primer z napredovanjem v slu\u017ebi, delom s kraj\u0161im delovnim \u010dasom ali drugimi oblikami dodatnega dohodka. <\/p>\n<cite>Mark S., ekonomist.<\/cite><\/blockquote>\n\n\n\n<p>Seveda se lahko celotne situacije lotite tudi z druge strani. \u010ce va\u0161i izdatki presegajo prihodke, si prizadevajte za zmanj\u0161anje izdatkov. <em>Sestavljanje dru\u017einskega prora\u010duna<\/em> Prav tako vam bo pomagal ugotoviti nepotrebne stro\u0161ke in podro\u010dja, na katerih bi lahko prihranili.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-1024x579.jpg\" alt=\"Priljubljena re\u0161itev je dru\u017einski finan\u010dni na\u010drt na mobilnem telefonu.\" class=\"wp-image-762\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/spava-penez-v-mobilu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Spremljate lahko denar, ki ga porabite za mobilni telefon, kar prina\u0161a veliko prednosti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Upo\u0161tevati je treba dru\u017einski finan\u010dni na\u010drt.<\/h2>\n\n\n\n<p>Za uspe\u0161en dru\u017einski prora\u010dun je pomembno, da se ga dolgoro\u010dno dr\u017eite. Seveda je to odvisno od tega, kako podrobno bele\u017eite svoje prihodke in odhodke. Zapisovanje vsakega centa, ki ga porabite, je lahko bolj naporno in zahtevno ter pogosto ne zdr\u017ei dlje kot nekaj mesecev. <strong>Dru\u017einski prora\u010dun pa je mogo\u010de obravnavati tudi bolj prijazno.<\/strong>. Odvisno od tega, katere cilje \u017eelite dose\u010di.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Redno posodabljanje prora\u010duna<\/li>\n\n\n\n<li>Prilagodite ga pomembnim finan\u010dnim spremembam.<\/li>\n\n\n\n<li>Postavite ustrezne cilje.<\/li>\n<\/ul>\n\n\n\n<p>Idealen dru\u017einski finan\u010dni na\u010drt je tisti, v katerem imate prese\u017eek sredstev. Hkrati jih dajte na stran in v najbolj\u0161em primeru vlagajte, var\u010dujte in cenite vsa prosta sredstva.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Postavljanje ciljev je osnova<\/h3>\n\n\n\n<p>Z dru\u017einskim prora\u010dunom se obi\u010dajno ukvarjajo ljudje, ki se ne razumejo s svojimi financami ali pa \u017eelijo uresni\u010diti svoje osebne sanje. Pri tem je nedvomno treba dolo\u010diti jasno opredeljen cilj. Hkrati v skladu z njim prilagodite dru\u017einski finan\u010dni na\u010drt in si tako prizadevajte za \u017eeleni rezultat.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Cilji finan\u010dnega na\u010drta<\/td><td>Avto, po\u010ditnice itd.<\/td><\/tr><tr><td>Datum izvedbe<\/td><td>Meseci do leta<\/td><\/tr><tr><td>Prilagoditev finan\u010dnega na\u010drta<\/td><td>Z vi\u0161jimi prihodki in odhodki<\/td><\/tr><tr><td>Skladnost z na\u010drtom<\/td><td>\u0160ele ko dose\u017eete cilj.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Postavite si cilj dru\u017einskega finan\u010dnega na\u010drta in ga za\u010dnite skrbno upo\u0161tevati.<\/figcaption><\/figure>\n\n\n\n<p>\u010ce ste si zastavili cilje, ki jih boste v ve\u010d letih dosegli na finan\u010dnem podro\u010dju, morate <em>upo\u0161tevanje in vzdr\u017eevanje dru\u017einskega prora\u010duna.<\/em>. Sprememba \u017eivljenjskega polo\u017eaja glede denarja vas lahko pribli\u017ea ali oddalji od tega cilja, kar je treba obravnavati s prilagoditvijo dru\u017einskega finan\u010dnega na\u010drta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rezerva ima klju\u010dno vlogo<\/h3>\n\n\n\n<p>Ne glede na to, kako ravnate s svojimi financami, se na za\u010detku osredoto\u010dite na eno bistveno stvar. To je finan\u010dna rezerva, s katero boste lahko nekaj tednov ali mesecev la\u017eje shajali. Ko boste imeli ustrezno finan\u010dno rezervo, boste dobili tudi bolj\u0161i ob\u010dutek varnosti.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Praviloma mora biti finan\u010dna rezerva tak\u0161na, da lahko brez rednih prihodkov vsaj \u0161tiri do \u0161est mesecev pokrijete vse nujne izdatke. <\/p>\n<cite>Wilson P., finan\u010dni svetovalec.<\/cite><\/blockquote>\n\n\n\n<p>Finan\u010dna rezerva kot del dru\u017einskega prora\u010duna ni le vir denarja, ko ste brez slu\u017ebe. Slu\u017ei lahko tudi za <strong>kritje nepredvidenih in vi\u0161jih stro\u0161kov.<\/strong>. Tipi\u010den primer je po\u0161kodovan pralni stroj, elektri\u010dni kotel, avtomobil itd.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"578\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-1024x578.jpg\" alt=\"\" class=\"wp-image-763\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-1024x578.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/rozpocet-v-mobilu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Mobilni dru\u017einski finan\u010dni na\u010drt je sodobna re\u0161itev, ki jo uporabljajo \u0161tevilni mladi in stari.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Finan\u010dni na\u010drt dru\u017eine in njegovo vrednotenje<\/h2>\n\n\n\n<p>Pomembno vlogo ima tudi redno preverjanje dru\u017einskega finan\u010dnega na\u010drta. Vsaj enkrat ali dvakrat na mesec preverite, ali <em>znesek stanja se ujema z va\u0161imi evidencami.<\/em>. Ve\u010dje prilagoditve dru\u017einskega prora\u010duna so primerne na dva do tri mesece, odvisno od tega, kako se razvija va\u0161 finan\u010dni na\u010drt in kako dobro se ga lahko dr\u017eite.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pogosto zastavljena vpra\u0161anja in odgovori<\/h3>\n\n\n\n<p>Kot lahko pravilno uganete, dru\u017einski finan\u010dni na\u010drt ni ni\u010d preve\u010d zapletenega. Po drugi strani pa gre za vodenje evidenc, ki do neke mere zahteva ustrezno doslednost. \u010ce \u017eelite v zvezi s tem pridobiti ve\u010d dragocenih informacij, preberite naslednja vpra\u0161anja in odgovore.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1683892847507\"><strong class=\"schema-faq-question\">Katera so glavna na\u010dela dru\u017einskega prora\u010duna?<\/strong> <p class=\"schema-faq-answer\">Najprej si zastavite realne cilje, ki jih lahko dose\u017eete. Nato si ustvarite denarno rezervo in odpla\u010dujte dolgove. Denarne te\u017eave re\u0161ujte hitro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892858228\"><strong class=\"schema-faq-question\">Ali je primerno v finan\u010dni na\u010drt vklju\u010diti nalo\u017ebe?<\/strong> <p class=\"schema-faq-answer\">\u010ce va\u0161e finan\u010dno stanje to dopu\u0161\u010da, izberite nalo\u017ebe z vi\u0161jimi obrestmi. Zlasti dolgoro\u010dne.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892867353\"><strong class=\"schema-faq-question\">Kako razlagati finan\u010dni na\u010drt 50-10-10-10?<\/strong> <p class=\"schema-faq-answer\">Razdelitev sredstev poteka po preprostem pravilu. Petdeset odstotkov prihodkov gre za teko\u010de nakupe. Preostalih deset odstotkov je namenjenih zabavi, finan\u010dni svobodi, ve\u010djim nakupom, izobra\u017eevanju in darilom.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892876261\"><strong class=\"schema-faq-question\">Kak\u0161na je prednost vodenja finan\u010dnega na\u010drta prek mobilne aplikacije?<\/strong> <p class=\"schema-faq-answer\">Takoj lahko zabele\u017eite vse svoje stro\u0161ke in prihodke. Spremljate lahko svoje finance ter pridobite tabele, prora\u010dune in izra\u010dune, ki jih potrebujete.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683892885418\"><strong class=\"schema-faq-question\">Ali metoda ovojnice obstaja v elektronski obliki?<\/strong> <p class=\"schema-faq-answer\">Da, \u0161tevilne banke ponujajo virtualne ovojnice v okviru svojih transakcijskih in var\u010devalnih ra\u010dunov.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Dru\u017einski finan\u010dni na\u010drt za vsakogar<\/h3>\n\n\n\n<p>\u010ce \u0161e niste obravnavali osebnih financ v obliki dru\u017einskega prora\u010duna, je morda \u010das, da poskusite. Stavite na <strong>dru\u017einski finan\u010dni na\u010drt<\/strong> in uredite svoj denar. Tako boste hitreje dosegli svoje cilje.<\/p>","protected":false},"excerpt":{"rendered":"<p>Dru\u017einski finan\u010dni na\u010drt ali prora\u010dun ima veliko te\u017eo in pomen. \u010ceprav se mnogi tega ne zavedajo, lahko prav to upravljanje denarja razkrije pomanjkljivosti va\u0161e porabe, vam pomaga prihraniti denar in vam omogo\u010di uresni\u010ditev prihodnjih na\u010drtov. Pri njegovi vzpostavitvi je potrebnih nekaj precej preprostih korakov. Seveda lahko k procesu oblikovanja dru\u017einskega prora\u010duna prispevajo tudi nepri\u010dakovane situacije. Te te\u017eave so povezane z razli\u010dnimi situacijami, ki jih je treba odpraviti. <\/p>","protected":false},"author":2,"featured_media":760,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[603,604,607,421,602,605,467,608,606,468],"class_list":["post-759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-financni-plan","tag-plan","tag-porovnani","tag-prijmy","tag-rodinny-financni-plan","tag-rodinny-rozpocet","tag-rozpocet","tag-srovnani","tag-strategie","tag-vydaje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rodinn\u00fd finan\u010dn\u00ed pl\u00e1n V\u00e1s m\u016f\u017ee zachr\u00e1nit - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Sestavte si rodinn\u00fd finan\u010dn\u00ed pl\u00e1n a najd\u011bte mezery ve sv\u00e9m rodinn\u00e9m rozpo\u010dtu. 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