{"id":751,"date":"2010-06-22T19:48:12","date_gmt":"2010-06-22T17:48:12","guid":{"rendered":"http:\/\/www.haztartas-ma.hu\/?p=751"},"modified":"2022-01-05T19:41:53","modified_gmt":"2022-01-05T18:41:53","slug":"haztartasi-naplo","status":"publish","type":"post","link":"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penzkezeles\/haztartasi-naplo\/haztartasi-naplo\/","title":{"rendered":"H\u00e1ztart\u00e1si napl\u00f3"},"content":{"rendered":"<p style=\"text-align: justify;\">H\u00e1ztart\u00e1si napl\u00f3: p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra szolg\u00e1l. Olyan eszk\u00f6z, amely seg\u00edt neked abban, hogy ne k\u00f6lts el minden p\u00e9nzt, hanem takar\u00e9koskodj.<\/p>\n<p><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\"><!--more--><\/span><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-9361\" src=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2015\/01\/haztartasi-naplo1-300x225.jpg\" alt=\"H\u00e1ztart\u00e1si napl\u00f3 vezet\u00e9se\" width=\"300\" height=\"225\" srcset=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2015\/01\/haztartasi-naplo1-300x225.jpg 300w, https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2015\/01\/haztartasi-naplo1.jpg 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3 style=\"text-align: justify;\">Hogyan lehet p\u00e9nzt f\u00e9lretenni?<\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">El\u0151sz\u00f6r is <span style=\"color: #000000;\">ford\u00edtva kell gondolkodnod:<\/span> nem \u00fagy teszed f\u00e9lre a p\u00e9nzt, hogy majd megmarad, hanem akkor, amikor megkapod a p\u00e9nzed (fizet\u00e9sed, h\u00e1ztart\u00e1sra sz\u00e1nt p\u00e9nzt, stb.). <\/span><\/span><\/p>\n<ul>\n<li>Ha k\u00e9szp\u00e9nzben kapod, el\u0151sz\u00f6r f\u00e9lreteszed egy bor\u00edt\u00e9kba a fizetnival\u00f3kat), azt\u00e1n azt a p\u00e9nzt, amit a megtakar\u00edt\u00e1sra sz\u00e1nt\u00e1l, f\u00e9lreteszed egy m\u00e1sik bor\u00edt\u00e9kba.<\/li>\n<li>Banksz\u00e1mla eset\u00e9n nyithatsz egy bet\u00e9tet, \u00e9s arra teszed r\u00e1 minden h\u00f3napban a megtakar\u00edtani k\u00edv\u00e1nt \u00f6sszeget.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">Ami marad \u00a0ak\u00e1r k\u00e9szp\u00e9nzben, ak\u00e1r a bankban, abb\u00f3l kell gazd\u00e1lkodnod. Ezt megteheted p\u00e9ld\u00e1ul \u00fagy, hogy a nagyobb t\u00e9teleket megveszed a h\u00f3nap elej\u00e9n \u00e9s a marad\u00e9kot 30 napra beosztod. Nem lehetetlen, kipr\u00f3b\u00e1ltam!\u00a0<\/span><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">A h\u00e1ztart\u00e1si napl\u00f3\u00a0<\/span><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">A m\u00e1sodik teend\u0151\u00a0&#8211; biztos sz\u00e1zszor hallottad m\u00e1r, akkor \u00e9n leszek a sz\u00e1zegyedik, aki mondja\u00a0&#8211;\u00a0<span style=\"color: #000000;\">jegyezd fel a bev\u00e9teleidet \u00e9s kiad\u00e1saidat<\/span>. Ez az\u00e9rt fontos, hogy k\u00e9pbe ker\u00fclj a p\u00e9nz\u00fcgyeidet illet\u0151en. Tudnod kell, mire mennyi p\u00e9nzt k\u00f6ltesz havonta. A h\u00f3nap v\u00e9g\u00e9n, amikor csoportokba osztva \u00e1tn\u00e9zed a kiad\u00e1saidat, r\u00f6gt\u00f6n l\u00e1tni fogod, hol szaladt el a l\u00f3. A k\u00f6vetkez\u0151 h\u00f3napban erre jobban odafigyelsz. <\/span><\/span><\/p>\n<h3 style=\"text-align: justify;\">A h\u00e1ztart\u00e1si napl\u00f3 form\u00e1ja<\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">A h\u00e1ztart\u00e1si napl\u00f3 form\u00e1ja lehet:\u00a0<\/span><\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li>\n<div><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">kock\u00e1s f\u00fczet\u00a0<\/span><\/span><\/div>\n<\/li>\n<li>\n<div><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">sz\u00e1m\u00edt\u00f3g\u00e9pes nyilv\u00e1ntart\u00e1s\u00a0Microsoft Excel vagy m\u00e1s t\u00e1bl\u00e1zatkezel\u0151ben)\u00a0<\/span><\/span><\/div>\n<\/li>\n<li>\n<div><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">sz\u00e1m\u00edt\u00f3g\u00e9pes program (ilyen m\u00e9g nagyon kev\u00e9s van, egy-k\u00e9t bank az \u00fcgyfelei rendelkez\u00e9s\u00e9re bocs\u00e1tja, \u00e9s van m\u00e1r b\u00e9relhet\u0151 bankf\u00fcggetlen szoftver is) \u00a0\u00a0<\/span><\/span><\/div>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">Tetsz\u00e9sed szerint v\u00e1laszthatsz. El ne felejtsd, hogy a banksz\u00e1ml\u00e1r\u00f3l t\u00f6rt\u00e9n\u0151 kiad\u00e1soknak is szerepelnie kell a nyilv\u00e1ntart\u00e1sban.<\/span><\/span><\/p>\n<p style=\"text-align: justify;\">B\u00e1rmilyen furcsa: ha m\u00e9g nem csin\u00e1ltad, a kock\u00e1s f\u00fczet m\u00f3dszert javasolom. Fokozatosan haladj az egyszer\u0171bbt\u0151l a bonyolultabbak fel\u00e9. A r\u00e9gi h\u00e1ziasszonyok &#8211; akik\u00a0gazd\u00e1lkodtak a p\u00e9nzzel is, mint annyi m\u00e1s dologgal &#8211; a k\u00e9zzel \u00edrott h\u00e1ztart\u00e1si napl\u00f3 form\u00e1t haszn\u00e1lt\u00e1k (nem is volt m\u00e1s eszk\u00f6z\u00fck), \u00e9s ez a forma nagyon j\u00f3l m\u0171k\u00f6d\u00f6tt.<\/p>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-7718\" src=\"https:\/\/www.haztartas-ma.hu\/wp-content\/uploads\/2010\/06\/haztartasi-naplo2-300x300.jpg\" alt=\"H\u00e1ztart\u00e1si napl\u00f3 - p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra \" width=\"300\" height=\"300\" \/><\/p>\n<h3 style=\"text-align: justify;\">Mennyi munk\u00e1t jelent neked naponta a h\u00e1ztart\u00e1si napl\u00f3 vezet\u00e9se?<\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">N\u00e9h\u00e1ny percet. Minden nyugt\u00e1t elteszel, amir\u0151l meg nincs, azt egy c\u00e9dul\u00e1ra fel\u00edrod, de este val\u00f3sz\u00edn\u0171leg m\u00e9g eml\u00e9kezni is fogsz r\u00e1 (pl. hogy borraval\u00f3t adt\u00e1l a post\u00e1snak, vagy automat\u00e1ban itt\u00e1l egy k\u00e1v\u00e9t). Otthon minden nap be\u00edrod a f\u00fczetedbe a d\u00e1tumot, az \u00f6sszegeket \u00e9s azt, hogy mire k\u00f6lt\u00f6tted. <\/span><\/span><\/p>\n<h3>A p\u00e9nz nyilv\u00e1ntart\u00e1sa: a milliomosok szok\u00e1sa\u00a0<span style=\"font-size: small;\">\u00a0<\/span><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">\u00a0<\/span><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana,geneva;\"><span style=\"font-size: small;\">Aprop\u00f3: J. D. Rockefeller mind az \u00f6t fi\u00e1nak zsebp\u00e9nzt adott, \u00e9s elsz\u00e1moltatta \u0151ket arr\u00f3l, hogy a p\u00e9nzt mire k\u00f6lt\u00f6tt\u00e9k. Nyilv\u00e1ntart\u00e1st kellett r\u00f3la vezetni\u00fck. Azt is megszabta, hogy 10 %-ot adom\u00e1nyra kell ford\u00edtaniuk \u00e9s 10 %-ot f\u00e9lre kellett tenni\u00fck. Pedig neki azt\u00e1n igaz\u00e1n nem volt p\u00e9nzre sz\u00fcks\u00e9ge. Annyi volt neki, mint a pelyva.\u00a0<\/span><\/span><\/p>\n<p><span style=\"font-family: verdana, geneva; color: #000000;\"><span style=\"font-size: small;\">Mit gondolsz, \u0151 mi\u00e9rt tette?<\/span><\/span><\/p>\n<p>A H\u00e1ztart\u00e1si napl\u00f3 let\u00f6lt\u00e9s\u00e9hez itt tudsz \u00fajra feliratkozni:<\/p>\n<p><!-- Start form --><\/p>\n<form action=\"http:\/\/autoresponder.hu\/euval\/register.cgi\" method=\"post\" name=\"subscribeform\"><input name=\"account\" type=\"hidden\" value=\"61\" \/><br \/>\n<input name=\"charset\" type=\"hidden\" value=\"utf-8\" \/><\/p>\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"4\">\n<tbody>\n<tr>\n<td align=\"right\" width=\"49%\"><b>N\u00e9v:<br \/>\n<\/b><\/td>\n<td width=\"10%\"><input maxlength=\"40\" name=\"name\" size=\"25\" type=\"text\" \/><\/td>\n<td id=\"validatenamemess\" style=\"color: red; white-space: nowrap; font-weight: bold;\" align=\"left\" width=\"40%\">*<\/td>\n<\/tr>\n<tr>\n<td align=\"right\" width=\"49%\"><b>Email:<br \/>\n<\/b><\/td>\n<td width=\"10%\"><input maxlength=\"40\" name=\"email\" size=\"25\" type=\"text\" \/><\/td>\n<td id=\"validateemailmess\" style=\"color: red; white-space: nowrap; font-weight: bold;\" align=\"left\" width=\"40%\">*<\/td>\n<\/tr>\n<p><!--OPTIONAL SUBSCRIBE --><\/p>\n<tr>\n<td width=\"50%\"><\/td>\n<td colspan=\"2\" align=\"left\" width=\"50%\"><label><input name=\"optional_subscribe\" type=\"checkbox\" value=\"1\" \/>K\u00e9rem a H\u00e1ztart\u00e1s-ma h\u00edrlevel\u00e9t is!<\/label><\/td>\n<\/tr>\n<p><!--END OPTIONAL SUBSCRIBE --><\/p>\n<tr>\n<td colspan=\"3\" align=\"center\"><input id=\"hozzajarulas\" name=\"checkbox\" type=\"checkbox\" value=\"elfogadva\" \/> Hozz\u00e1j\u00e1rulok, hogy e-mailt k\u00fcldj nekem.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\" align=\"center\"><input id=\"adatvedelmit\" name=\"checkbox\" type=\"checkbox\" value=\"elfogadva\" \/> Elfogadom az <a href=\"https:\/\/www.haztartas-ma.hu\/index.php\/adatkezelesi-tajekoztato\/\" target=\"_blank\" rel=\"noopener\">adatkezel\u00e9si t\u00e1j\u00e9koztat\u00f3t<\/a>.<\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\" align=\"center\"><input type=\"submit\" value=\"K\u00e9rem a h\u00e1ztart\u00e1si napl\u00f3t!\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/form>\n<p><!-- End form --><\/p>\n<p>&nbsp;<\/p>\n<p>Kapcsol\u00f3d\u00f3 cikk:<\/p>\n<p><a href=\"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penzkezeles\/haztartasi-naplo\/haztartasi-naplo-vezetese\/\">A h\u00e1ztart\u00e1si napl\u00f3 vezet\u00e9se<\/a><\/p>\n<p><a title=\"Gazd\u00e1lkod\u00e1s a p\u00e9nzzel \" href=\"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penz-mit-tegyel-a-ho-vegen\/\" target=\"_blank\" rel=\"noopener\">Gazd\u00e1lkod\u00e1s a p\u00e9nzzel<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>A h\u00e1ztart\u00e1si napl\u00f3 cikk k\u00e9pei: saj\u00e1t felv\u00e9telek<\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u00e1ztart\u00e1si napl\u00f3: p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra szolg\u00e1l. Olyan eszk\u00f6z, amely seg\u00edt neked abban, hogy ne k\u00f6lts el minden p\u00e9nzt, hanem takar\u00e9koskodj.<\/p>\n","protected":false},"author":171,"featured_media":9362,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","_wp_rev_ctl_limit":""},"categories":[502],"tags":[],"class_list":["post-751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haztartasi-naplo","et-has-post-format-content","et_post_format-et-post-format-standard"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>H\u00e1ztart\u00e1si napl\u00f3 - p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra - H\u00e1ztart\u00e1s Ma<\/title>\n<meta name=\"description\" content=\"A h\u00e1ztart\u00e1si napl\u00f3 j\u00f3 eszk\u00f6z p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra. Feljegyezheted benne bev\u00e9teleidet \u00e9s kiad\u00e1saidat. A h\u00f3nap v\u00e9g\u00e9n \u00f6sszes\u00edtheted.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.haztartas-ma.hu\/index.php\/gazdalkodas\/penzkezeles\/haztartasi-naplo\/haztartasi-naplo\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00e1ztart\u00e1si napl\u00f3 - p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra - H\u00e1ztart\u00e1s Ma\" \/>\n<meta property=\"og:description\" content=\"A h\u00e1ztart\u00e1si napl\u00f3 j\u00f3 eszk\u00f6z p\u00e9nz\u00fcgyeid nyilv\u00e1ntart\u00e1s\u00e1ra. Feljegyezheted benne bev\u00e9teleidet \u00e9s kiad\u00e1saidat. 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