Nástup prváka do školy bude drahší ako vlani

Rekordná inflácia zasahuje do všetkých oblastí finančného života a nevyhne sa ani nástupu do školy. Potvrdzuje to aj každoročné porovnanie PARTNERS GROUP SK, podľa ktorého náklady na základnú výbavu prváka v tomto roku narástli o 13 %, teda približne o 24 eur.

kids_pixbay21

ZA ŠKOLSKÚ VÝBAVU ZAPLATÍME OD 200 EUR VYŠŠIE

Najdrahšími položkami z nákupného zoznamu sú každoročne školská taška, prezuvky, tepláková súprava, kufrík na výtvarnú výchovu a úbor. „Pri týchto položkách odporúčam nákup v predstihu, najmä pre navyšovanie cien obchodníkmi s príchodom školského roka,“ radí Lukáš Nemergut, odborník na osobné financie z PARTNERS GROUP SK. Zároveň prináša aj ďalšie odporúčania, ako sa na nástup do školy finančne pripraviť, kde hľadať voľné peniaze a s akými nákladmi treba určite počítať.

POZOR NA TRENDY ANIMÁKOV, PREDRAŽUJÚ VÝBAVU

Značnú úsporu prinesie porovnanie cien školských potrieb na internete alebo využitie inzertných portálov – bazárov, kde sa dajú kúpiť nepoškodené položky, prípadne aj celé sety vo veľmi dobrom stave a za oveľa výhodnejšie ceny ako v bežných obchodoch. Tie už od konca júla reklamujú akciové ceny práve pri školských pomôckach. Podľa odborníka však treba pri akciových ponukách spozornieť: „Nemusia byť až také výhodné, navyše pri nich hrozí emocionálne nakupovanie, pri ktorom nakúpime v akcii aj tovar, ktorý nevyhnutne nepotrebujeme. Zároveň by som sa snažil vyhnúť ‚trendy‘ položkám, teda značkovým veciam a moderným detským motívom, ako sú superhrdinovia či obľúbené animované postavičky, pri ktorých ceny rapídne narastajú a sú naozaj len sezónne. U detí dochádza veľmi rýchlo k zmene preferencií a položky skončia odložené v skrini bez ďalšieho využitia.“ Úsporu v rozpočte prinesie aj tzv. dedičstvo po staršom súrodencovi.

NÁKUP ŠKOLSKÝCH POMÔCOK JE LEN ZAČIATOK

Počas školského roka treba myslieť aj na ďalšie výdavky spojené s krúžkami, výletmi a inými aktivitami popri škole. S akou rezervou majú rodičia počítať? „Výbava na štart do školy je len začiatkom nákladov, prvý rok spolu s krúžkami, so školským klubom detí, stravovaním, školskými výletmi môže vyjsť aj 600 eur, ak počítame s orientačnými sumami ako 350 eur na stravovanie, 30 eur na výlety, 100 eur na školskú družinu a krúžky približne 120 eur ročne. Ide skutočne len o orientačný odhad, keďže rozptyl nákladov je vysoký a rozlišujeme, či krúžky poskytuje škola alebo sú externé, aký je počet výletov v roku, stravovacia jednotka v jedálni a zohľadniť treba, samozrejme, aj región, v ktorom sa škola nachádza. Zaváži takisto, či školu spravuje obec alebo ide o súkromné zariadenie, v ktorom sa platí školné a je v ňom už aj zahrnutá výbava či iné položky, ale celková cena je vyššia,“ dodáva. 

TIPY ODBORNÍKA: AKO SA NA ŠKOLÁKA FINANČNE PRIPRAVIŤ

1.     Pripravte si presný zoznam a naplánujte k nemu rozpočet.

2.     Počas roka robte v domácom rozpočte priebežne revíziu výdavkov. Nájdete nové miesta na úsporu a minimalizujete tak nevyhnutné výdavky.

3.     Vytvorte sporiaci účet, na ktorý budete mesačne odkladať rodinný prídavok na dieťa a daňový bonus na dieťa. Priebežné náklady na prváka môžete financovať z tohto účtu.

4.     Pri väčšom nákupe vždy porovnávajte ceny na internete a dôkladne zvažujte, či je daná položka naozaj nevyhnutná. Kontrola emócií pri nakupovaní totiž vytvára najvyššiu úsporu.

tabulka_skola_822

Zdroj: preskoly.sk, sevt.sk, google.com

Zdroj foto: Pixbay

6 komentárov

  • Komentár which of the following conditions is commonly associated With The abuse of anabolic steroids? %PM, %12 %041 %2025 %23:%apr napísal which of the following conditions is commonly associated With The abuse of anabolic steroids?

    Effects of oxandrolone on plasma lipoproteins and the intravenous fat tolerance in man.
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    Albuterol sulfate (also known as salbutamol) is a beta-2 adrenergic agonist, like clenbuterol.
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    Nevertheless, testosterone and Deca Durabolin, each have less damaging effects on ldl cholesterol in our LPTs (lipid profile tests) and no impact on the liver.
    Testosterone and Dianabol are both estrogenic and wet compounds;
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    To forestall this, an efficient SERM may be taken (Nolvadex) all through
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    If you’re in search of muscle stability and general strength, typical
    deadlifts could offer a extra comprehensive exercise.
    Whereas the sumo deadlift and entice bar deadlift are in style choices, exploring
    different deadlift variations can further enhance your coaching.
    One Other benefit is the decreased range of motion, and therefore complete work is finished, in comparability with conventional deadlifts, but the begin of the raise shall
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    motion somewhat easier due to the shorter vary of motion. If
    you take a look at the body place during a sumo deadlift, feet are typically spread
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    That way, you’re nonetheless giving different muscle teams plenty
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    The sumo deadlift’s lowered ROM allows lifters
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    Moreover, the upright posture reduces lower again strain, making it suitable
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    interact similar muscle teams, but their mechanics differ,
    influencing how they have an result on muscle hypertrophy and power development.
    Choose the variation that aligns greatest with
    your physique kind and objectives, and don’t
    hesitate to include both for a flexible, efficient training
    program. Incorporating accessory workout routines tailor-made to the specific demands of each deadlift
    variation can help enhance power, tackle weaknesses, and improve your approach.

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    of. This consists of analysis, writing, editing, fact-checking, and product testing/reviews.
    At a bare minimum, all authors must be certified nutrition coaches
    by both the National Academy of Sports Medicine, International Sport
    Sciences Association, or Precision Diet.
    The lid is straightforward to unscrew, the powder dissolves well,
    and the measuring scoop eliminates the need for weighing scales.
    "This is my new go-to creatine," stated one satisfied tester,
    telling us they'd more energy and fewer injuries after incorporating it into their routine.

    The really helpful dosage is 3 to five g of creatine per day
    for most people. This is the dose that has been shown to hold up creatine ranges in the muscular tissues for efficiency and restoration benefits.
    With a hundred and eighty servings per container,
    you may have months of gas in your intense workouts for just 33 cents per
    day. Nevertheless, should you use creatine sometimes, you may want to think about the
    30-serving choice.
    Of all the alternative types of creatine, micronized creatine is the most simply
    understood. This is because it's functionally similar to monohydrate, besides it consists of
    smaller particles. The timing of the supplementation depends upon precisely which benefits the person is hoping to derive from creatine
    monohydrate supplementation, of which there are lots of.

    After spending a month on each of the creatine supplements above and maintaining a very
    detailed coaching diary, I took a closer take a look at the numbers.
    There are a number of different types of creatine obtainable, all of which declare to provide roughly
    the identical finish result, in that they result in enhanced efficiency with resistance and strength based mostly workouts.
    All The Time examine the label for allergen info, particularly when you have sensitivities or allergic reactions.
    Some creatine supplements could be processed in amenities
    that handle allergens like gluten, dairy, or nuts.

    I recommend this creatine kind only if you prefer to take capsules as
    an alternative of a powder and don’t mind paying extra for that comfort since it’s often 500%
    dearer than monohydrate. Anecdotal evidence from reviews suggests that creatine hydrochloride
    is simpler on the stomach and doesn’t result in bloating.
    The downside is that anecdotal reviews aren't as reliable as research, and such findings
    could be because many people fall for false claims that they solely need one-third of the dose.
    Creatine dietary supplements are available a variety of sorts,
    flavors, and dosages. When selecting the best product for you, remember to verify the ingredient label.

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