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Nástup prváka do školy bude drahší ako vlani

Napísal PN 15. august 2022

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.

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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

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