{"id":300,"date":"2019-02-04T11:11:57","date_gmt":"2019-02-04T11:11:57","guid":{"rendered":"https:\/\/control1.hu\/?p=300"},"modified":"2019-02-04T11:11:57","modified_gmt":"2019-02-04T11:11:57","slug":"hat-biztos-ut-a-penzugyi-zavarhoz","status":"publish","type":"post","link":"https:\/\/control1.webempire.hu\/?p=300","title":{"rendered":"Hat biztos \u00fat a p\u00e9nz\u00fcgyi zavarhoz (Demo)"},"content":{"rendered":"<p><a href=\"https:\/\/control1.webempire.hu\/\"><br \/>\n\t\t\t\t\t\t\t<img width=\"2914\" height=\"788\" src=\"https:\/\/control1.webempire.hu\/wp-content\/uploads\/2019\/09\/logo_control1.png\" alt=\"\" srcset=\"https:\/\/control1.hu\/wp-content\/uploads\/2019\/09\/logo_control1.png 2914w, https:\/\/control1.hu\/wp-content\/uploads\/2019\/09\/logo_control1-300x81.png 300w, https:\/\/control1.hu\/wp-content\/uploads\/2019\/09\/logo_control1-768x208.png 768w, https:\/\/control1.hu\/wp-content\/uploads\/2019\/09\/logo_control1-1024x277.png 1024w, https:\/\/control1.hu\/wp-content\/uploads\/2019\/09\/logo_control1-1568x424.png 1568w\" sizes=\"(max-width: 2914px) 100vw, 2914px\" \/>\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t<a href=\"https:\/\/control1.webempire.hu\/meg-tobb-profit\/\"><br \/>\n\t\t\t\t\t\t\t\t\tAJ\u00c1ND\u00c9K<br \/>\n\t\t\t\t\t<\/a><\/p>\n<p><b>1. BEFOLY\u00d3 P\u00c9NZEK<\/b> eset\u00e9n a legl\u00e9nyegesebb, hogy nagyon \u00e9lesen el kell k\u00fcl\u00f6n\u00edtened a SAJ\u00c1T p\u00e9nzedet att\u00f3l, ami igaz\u00e1b\u00f3l M\u00c1S p\u00e9nze \u00e9s csak ideiglenesen van n\u00e1lad.<\/p>\n<ul>\n<li><b>a.<\/b> Te is ismered j\u00f3l: \u00c1FA, SZJA, b\u00e9r-j\u00e1rul\u00e9kok, stb, amiket nem kell azonnal befizetned, mind szinte k\u00edn\u00e1lkozik arra, hogy bel\u0151l\u00fck finansz\u00edrozd a kiad\u00e1saidat. Ilyenkor pl. a saj\u00e1t bev\u00e9teled mellett befoly\u00f3 \u00c1FA ak\u00e1r m\u00e1sf\u00e9l h\u00f3nap (vagy negyed\u00e9ves bevall\u00f3kn\u00e1l kb. 3,5 h\u00f3nap) m\u00falva lesz esed\u00e9kes befizetni. Min\u00e9l hosszabb ez az id\u0151, ann\u00e1l nagyobb a cs\u00e1b\u00edt\u00e1s \u2013 ahogy az is, hogy a v\u00e9g\u00e9n elfelejted, mekkora \u00f6sszeg\u0171 fizetni val\u00f3d van m\u00e9g, amit Te m\u00e1r megkapt\u00e1l \u00e9s nemsok\u00e1ra tov\u00e1bb is kell adnod.<\/li>\n<li><b>b.<\/b> Egy m\u00e1sik jellemz\u0151 p\u00e9lda, amikor a vev\u0151t\u0151l kapott el\u0151leget elk\u00f6lt\u00f6d, de nem a sz\u00fcks\u00e9ges beszerz\u00e9sekre \u00e9s b\u00e9rre teszed f\u00e9lre, hanem val\u00f3j\u00e1ban valami teljesen m\u00e1st fizetsz ki vele. B\u00e1r lehet, hogy m\u00e9g a k\u00f6vetkez\u0151 esed\u00e9kes b\u00e9rfizet\u00e9s el\u0151tt megkapod a bev\u00e9teled marad\u00e9k r\u00e9sz\u00e9t, de ez m\u00e1r kicsit \u201ezsongl\u0151rk\u00f6d\u00e9s\u201d \u00e9s Te is tudod, hogy ki vagy centizve. De a l\u00e9nyeg: am\u00edg a vev\u0151 nem vette t\u0151led \u00e1t a term\u00e9ket vagy a szolg\u00e1ltat\u00e1st, addig az el\u0151leggel nagyon \u00f3vatosan kell b\u00e1nnod, mert ha a dolgok net\u00e1n rosszra forduln\u00e1nak, m\u00e9g ak\u00e1r vissza is kell adnod azt! Az el\u0151legb\u0151l csak azt fizesd ki, ami a rendel\u00e9s teljes\u00edt\u00e9s\u00e9hez sz\u00fcks\u00e9ges!<\/li>\n<li><b>c.<\/b> A foly\u00f3sz\u00e1mla- vagy forg\u00f3eszk\u00f6z hitelkeret egy rendk\u00edv\u00fcl hasznos eszk\u00f6z \u2013 egy v\u00e9d\u0151h\u00e1l\u00f3 \u2013 amit csak javasolni tudok, amennyiben a helyzeted sz\u00fcks\u00e9gess\u00e9 teszi. Ugyanakkor a hitelkeretek (sz\u00e1mla, hitelk\u00e1rtya, stb) jelentik tal\u00e1n a legnagyobb k\u00eds\u00e9rt\u00e9st is. A viszonylag nagy \u00f6sszeg\u00fck miatt j\u00f3 sok\u00e1ig nem is t\u0171nik fel, ha m\u00e1sra k\u00f6lt\u00f6d, mint amire eredetileg kellett. Amikor viszont el kell kezdened a visszafizet\u00e9st, komoly bajba ker\u00fclhetsz \u00e9s a bankok nem j\u00e1tszanak sok\u00e1ig a rossz ad\u00f3sokkal. R\u00e1ad\u00e1sul amikor sz\u00fcks\u00e9ged lesz r\u00e1, addigra esetleg nem maradt m\u00e1r el\u00e9g p\u00e9nz rajta. Sz\u00f3val ezekkel tan\u00e1csos \u00f3vatosan b\u00e1nni \u00e9s csakis arra a c\u00e9lra haszn\u00e1ld, amire kaptad. \u00cdgy \u00e9n azt javaslom, ig\u00e9nyelj hitelkeretet, ha sz\u00fcks\u00e9ges \u2013 de csak akkor, ha el\u00e9g fegyelmezettnek tartod magad hozz\u00e1.<\/li>\n<\/ul>\n<p><b>2. A KIAD\u00c1SOK<\/b> eset\u00e9ben is van n\u00e9h\u00e1ny vesz\u00e9lyes gyakorlat.<\/p>\n<ul>\n<li><strong>a.<\/strong> Saj\u00e1t szem\u00e9lyes kiad\u00e1said a v\u00e1llalkoz\u00e1sod befoly\u00f3 bev\u00e9teleib\u0151l finansz\u00edrozod. Az igazs\u00e1g az, hogy ez rengeteg p\u00e9nzt tud \u201dkih\u00fazni\u201d a v\u00e1llalkoz\u00e1sodb\u00f3l. Tudom, hogy a csal\u00e1d fontos, de ne feledd, ha a sz\u00e1mfejtett b\u00e9ren fel\u00fcl veszel ki p\u00e9nzt, azzal a v\u00e1llalkoz\u00e1sodat gyeng\u00edted \u00e9s ezzel a gyakorlattal sz\u00e9pen le is v\u00e1ghatod az aranytoj\u00e1st toj\u00f3 ty\u00fakot. Ha nem el\u00e9g a p\u00e9nz, amit a v\u00e1llalkoz\u00e1sod kitermel, m\u00e1s m\u00f3dszerekhez kell folyamodnod. A j\u00f3 h\u00edr az, hogy ma m\u00e1r l\u00e9tezik erre t\u00f6bb megold\u00e1s is, \u00edgy mi is tudunk seg\u00edteni Neked.<\/li>\n<li><strong>b.<\/strong> A v\u00e1llalkoz\u00e1sod kiad\u00e1sair\u00f3l nem k\u00e9rsz sz\u00e1ml\u00e1t. Ez szokott lenni, amikor a k\u00f6nyvel\u0151d egyszer csak sz\u00f3l, hogy a p\u00e9nzt\u00e1rban sok p\u00e9nz van, holott Te tudod, hogy nincs. Ha csak az\u00e9rt nem k\u00e9rsz sz\u00e1ml\u00e1t a kiad\u00e1saidr\u00f3l, mert \u00edgy az elad\u00f3 elengedi az \u00c1F\u00c1-t \u00e9s ezzel a beszerz\u00e9s olcs\u00f3bb lesz, j\u00f3 ha tudod, hogy igencsak f\u00e9lre tudod magad vezetni az emiatt hi\u00e1nyoss\u00e1 v\u00e1l\u00f3 k\u00f6nyvel\u00e9ssel. R\u00e1ad\u00e1sul ha \u00c1F\u00c1-s vagy, az \u00c1F\u00c1-t r\u00f6vid id\u0151n bel\u00fcl vissza tudod ig\u00e9nyelni, vagy egyszer\u0171en levonni a fizetend\u0151b\u0151l, sz\u00f3val jellemz\u0151en egy, de maximum n\u00e9h\u00e1ny h\u00f3napot kell megfinansz\u00edroznod \u00e9s azt is csak egyszer. Szerintem ezzel minim\u00e1lis \u00f6sszeget takar\u00edthatsz meg \u2013 viszont f\u00e9lrevezet\u0151 lesz a k\u00f6nyvel\u00e9sed, ami a saj\u00e1t p\u00e9nz\u00fcgyi ir\u00e1nyt\u0171d.<\/li>\n<li><strong>c.<\/strong> Rendszeresen el\u0151fordul, hogy nincs megfelel\u0151 ellen\u0151rz\u00e9s a kifizetett \u00e1ru vagy szolg\u00e1ltat\u00e1s teljes\u00edt\u00e9se f\u00f6l\u00f6tt. \u00dagy \u00e9rtem: 100% biztosan tudod, hogy amit kifizett\u00e9l, azt mind az utols\u00f3 sz\u00f6gig rendben meg is kaptad? Ugyanis ez nem mindig van \u00edgy, \u00e9s Te sem tudsz mindenre odafigyelni, f\u0151leg amikor pl. a v\u00e1llalkoz\u00e1sod elkezd n\u0151ni. Egy id\u0151 ut\u00e1n egyszer\u0171en k\u00e9ptelen leszel mindenhol ott lenni. \u00c9s h\u00e1t l\u00e1ssuk be: ann\u00e1l nagyobb pazarl\u00e1s nem l\u00e9tezik, amikor a semmi\u00e9rt adsz ki p\u00e9nzt.<\/li>\n<\/ul>\n<p><em>Ha a fentiek k\u00f6z\u00fcl legal\u00e1bb egy is ismer\u0151s sz\u00e1modra, azt javaslom, alaposan gondold meg a tov\u00e1bbi l\u00e9p\u00e9seidet, ugyanis mindegyik fenti eset arra utalhat, hogy:<\/em><\/p>\n<p>1. nincs megfelel\u0151 kontroll a v\u00e1llalkoz\u00e1sod k\u00e9szp\u00e9nz-kezel\u00e9s\u00e9n<br \/>\u00c9S \/ VAGY<br \/>2. a v\u00e1llalkoz\u00e1sod eg\u00e9sz egyszer\u0171en nem termel annyi p\u00e9nzt, amennyi kifolyik<br \/>Ut\u00f3bbi ak\u00e1r v\u00e1ls\u00e1gkezel\u00e9st is ig\u00e9nyelhet, az els\u0151 viszont viszonylag gyorsan orvosolhat\u00f3.<\/p>\n<p>Ha saj\u00e1t magad szeretn\u00e9d nyomon k\u00f6vetni a bev\u00e9teleidet \u00e9s kiad\u00e1saidat, itt let\u00f6lthetsz egy egyszer\u0171 Excel kontroll-t\u00e1bl\u00e1zatot a p\u00e9nzed mozg\u00e1s\u00e1nak nyomonk\u00f6vet\u00e9s\u00e9hez.<\/p>\n<p><a href=\"https:\/\/control1.webempire.hu\/meg-tobb-profit\/\" target=\"_blank\" rel=\"noopener\"><strong>Van 30 m\u00e1sodperced? T\u00f6ltsd ki a kv\u00edzemet, hogy jogosult legy\u00e9l egy 15 perces aj\u00e1nd\u00e9k konzult\u00e1ci\u00f3ra! Tapasztald meg a kontrolling el\u0151nyeit \u00e9s l\u00e1ss tiszt\u00e1n a p\u00e9nz\u00fcgyeidben!<\/strong><\/a><\/p>\n<p>\t\t\t<a href=\"https:\/\/control1.webempire.hu\/meg-tobb-profit\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n\t\t\t\t\t\t\t\t\tkit\u00f6lt\u00f6m a kv\u00edzt<br \/>\n\t\t\t\t\t<\/a><\/p>\n<h4>Tov\u00e1bbi tartalmak<\/h4>\n<h4>K\u00f6vess Facebookon!<\/h4>\n<p>\t\t\tKapcsolat\t\t<\/p>\n<h3>Telefonsz\u00e1ma megad\u00e1s\u00e1val k\u00e9rjen visszah\u00edv\u00e1st, tegye fel k\u00e9rd\u00e9seit \u00e9s \u00d6nnek is seg\u00edteni fogunk egy \u00e1tl\u00e1that\u00f3bb, eredm\u00e9nyesebb c\u00e9get vezetni.<\/h3>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/control1.webempire.hu\/\"><br \/>\n\t\t\t\t\t\t\t<img width=\"315\" height=\"103\" src=\"https:\/\/control1.webempire.hu\/wp-content\/uploads\/2021\/03\/control1-logo-kontrolling-uzleti-elemzes.png\" alt=\"\" srcset=\"https:\/\/control1.hu\/wp-content\/uploads\/2021\/03\/control1-logo-kontrolling-uzleti-elemzes.png 315w, https:\/\/control1.hu\/wp-content\/uploads\/2021\/03\/control1-logo-kontrolling-uzleti-elemzes-300x98.png 300w\" sizes=\"(max-width: 315px) 100vw, 315px\" \/>\t\t\t\t\t\t\t\t<\/a><\/p>\n<ul>\n<li>\n\t\t\t\t\t\t\t\t\t\tControl1\n\t\t\t\t\t\t\t\t\t<\/li>\n<li>\n\t\t\t\t\t\t\t\t\t\t<a style=\"color: #272726; text-decoration: ;\" href=\"tel:+36702876511\">+36702876511<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n<li>\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:kapcsolat@control1.hu\"><br \/>\n\t\t\t\t\t\t\t\t\t\tkapcsolat@control1.hu<br \/>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n<\/ul>\n<p>\t\t\t\t\t<a href=\"https:\/\/www.facebook.com\/control1.hu\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n\t\t\t\t\t\tFacebook-f<br \/>\n\t\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/dobait\/\" target=\"_blank\" rel=\"noopener\"><br \/>\n\t\t\t\t\t\tLinkedin-in<br \/>\n\t\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/channel\/UCid1tG28d3SRULVwaxGSC3A\" target=\"_blank\" rel=\"noopener\"><br \/>\n\t\t\t\t\t\tYoutube<br \/>\n\t\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img src=\"https:\/\/control1.webempire.hu\/wp-content\/uploads\/elementor\/thumbs\/DUIHK-Logo-standard-qh1lexjx7skn78ruhjehyl0gqqywcbjvyhftyktcwa.jpg\" title=\"DUIHK-Logo standard\" alt=\"DUIHK-Logo standard\" loading=\"lazy\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"350\" height=\"100\" src=\"https:\/\/control1.webempire.hu\/wp-content\/uploads\/2023\/08\/getimage.png\" alt=\"\" srcset=\"https:\/\/control1.hu\/wp-content\/uploads\/2023\/08\/getimage.png 350w, https:\/\/control1.hu\/wp-content\/uploads\/2023\/08\/getimage-300x86.png 300w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<h5>\n<p style=\"text-align: left;\"><a href=\"https:\/\/control1.webempire.hu\/\" target=\"_blank\" rel=\"noopener\"><strong>Control 1 \u00a9 <\/strong><\/a><a href=\"https:\/\/control1.webempire.hu\/wp-content\/uploads\/2024\/06\/Adatkezelesi-Tajekoztato-Control1-HU.pdf\" target=\"_blank\" rel=\"noopener\">Adatkezel\u00e9si t\u00e1j\u00e9koztat\u00f3<\/a>   <a href=\"https:\/\/control1.webempire.hu\/kontrolling-szotar\/\" target=\"_blank\" rel=\"noopener\"> I   Kontrolling sz\u00f3t\u00e1r <\/a>  I   <\/p>\n<\/h5>\n","protected":false},"excerpt":{"rendered":"<p>Bizony\u00e1ra sokszor belefutott\u00e1l m\u00e1r abba, hogy minden sz\u00e1m\u00edt\u00e1sod ellen\u00e9re k\u00e9szp\u00e9nz h\u00edj\u00e1n maradt\u00e1l vagy \u00e9ppen nyakig \u00faszol a v\u00e1ratlan kifizet\u00e9si k\u00f6telezetts\u00e9gekben. <\/p>\n<p>Adok most Neked egy r\u00f6vid \u00e1ttekint\u00e9st, amely mind a bev\u00e9teli, mind a kiad\u00e1si oldalon felsorol n\u00e9h\u00e1ny tipikus p\u00e9ld\u00e1t, hogyan lehet v\u00e9kony j\u00e9gre menni a k\u00e9szp\u00e9nz-kezel\u00e9ssel.<\/p>\n","protected":false},"author":2,"featured_media":311,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[88,90],"tags":[],"class_list":{"0":"post-300","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"category-uncategorized-hu"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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