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.

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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

13 komentárov

  • Komentár http://git.hnits360.com/jeannineclow7 %PM, %26 %009 %2025 %23:%mar napísal http://git.hnits360.com/jeannineclow7

    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
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    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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    This sort of joint structure permits for movement to be carried out in any direction we choose.
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    and brace with a lifting belt if needed. Stand together with
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    your toes out. Reach right down to grip the barbell, keeping your again straight and chest up.

    Matt Wenning is among the finest powerlifters of
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    and world-level competitions. With a near-vertical torso, flat again,
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    the deadlift. Your rectus abdominis stabilizes the spine, and your deep core
    muscle tissue (transverse abdominis and obliques) create intra-abdominal pressure to maintain the
    core contents tight and compressed for the raise.

    Some powerlifters only prepare the deadlift as they get near their competitions, and that’s because it is
    so onerous to train the again squat, bench press, and
    deadlift in conjunction with each other.
    I like sets of five or six typically, however triples or greater reps above 10 are not out
    of questions. The deadlift is from a dead stop, and unless you
    rock again that means whenever you deadlift, we wish to avoid making a stretch reflex on this train. This might be a basic category,
    as there are heaps of bars and heights to use. This development alternates depth, prevents burnout,
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    To go from beginner to superior we have to go through the progressions and grasp each
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    for different sports and actions as nicely. A beginner will wrestle to keep up their newfound approach with increased calls for, similar to more time
    underneath rigidity or a load is introduced. Once More, this might be as a end result of a scarcity of
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    the right positions. The single leg deadlift is essentially the most advanced progression of
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    By understanding the nuances of each train and exploring different variations, you'll find the proper deadlift for your health
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    ankle mobility, as they have very flat, thin rubber soles that gained't help your
    ankles or enhance your squat depth. Nevertheless, if you have a great ankle range of movement, you might be able to put on deadlift slippers with a
    rubber backside for grip for standard squats while maintaining good kind.

    You must have some kind of sole on your foot that is competition accredited.
    Deadlift slippers will vary from $20-35, which is much more budget-friendly when compared with
    different manufacturers of deadlift shoes (Sabo, Converse, Otomix,
    Asics, Adidas). Deadlifting slippers don’t have any soles, excluding a
    particularly thin rubber material to prevent slippage. Any competition-approved shoe that you
    simply use for deadlifting needs to have a minimalist design.
    All of that is precisely why you need to look closer at new lifts you
    aren't yet performing throughout your routine, together with a sumo deadlift.
    The sumo deadlift’s lowered ROM allows lifters
    to handle heavier masses, which can be advantageous for strength development.

    Moreover, the upright posture reduces lower again strain, making it suitable
    for those with spinal limitations. Both workout routines
    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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