{"id":101207,"date":"2024-03-20T09:24:17","date_gmt":"2024-03-20T08:24:17","guid":{"rendered":"https:\/\/www.smartmoneywomen.com\/gradivo\/"},"modified":"2024-12-12T09:03:19","modified_gmt":"2024-12-12T08:03:19","slug":"materijal","status":"publish","type":"page","link":"https:\/\/www.smartmoneywomen.com\/mk\/materijal\/","title":{"rendered":"\u041c\u0430\u0442\u0435\u0440\u0438\u0458\u0430\u043b"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text admin_label=”BREZPLA\u010cNI OBRAZCI” _builder_version=”4.27.4″ _module_preset=”9947cd4f-5c30-4e64-880c-ed331b79d579″ header_2_text_align=”left” header_2_font_size=”36px” header_2_line_height=”1.1em” custom_margin=”||||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”29px” locked=”off” global_colors_info=”{}” custom_margin__hover_enabled=”off|desktop” theme_builder_area=”post_content”]<\/p>\n

Gradivo<\/h2>\n

To je koti\u010dek, kjer bo\u0161 dobila e-priro\u010dnike, obrazce in gradiva, ki ti bodo pomagali zrasti finan\u010dno, poslovno in osebnostno.<\/b><\/p>\n

Z uporabo bo\u0161 prihranila veliko denarja in \u010dasa, se la\u017eje organizirala, delala na samozavesti in mentaliteti in dolo\u010dila prioritete.<\/p>\n

Redno dodajamo nove obrazce, zato se pogosto vrni.<\/strong><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][dsm_card title=”Na\u010drt porabe denarja” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/10\/1.png” image_background_height=”320px” badge_text=”Cena: 7\u20ac” badge_background_color=”#FFFFFF” button_text=”Nakup” button_url_new_window=”1″ image_background_height_tablet=”400px” image_background_height_phone=”400px” image_background_height_last_edited=”on|tablet” _builder_version=”4.27.2″ _module_preset=”default” badge_font=”|600|||||||” badge_text_color=”#000000″ header_level=”h2″ header_text_align=”center” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#10B2E7″ button_border_color=”#10B2E7″ button_border_radius=”50px” button_use_icon=”off” button_alignment=”right” button_custom_padding=”8px|25px|8px|25px|true|true” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Na\u010drt porabe denarja\u2122 vam pomaga jasno razporediti va\u0161 dohodek in dolo\u010diti prioritete glede nujnih stro\u0161kov in \u017eelja. To je orodje za u\u010dinkovito upravljanje osebnih financ, ki vam omogo\u010da, da spremljate svoj denarni tok, zmanj\u0161ate nepotrebne stro\u0161ke in dose\u017eete finan\u010dno ravnovesje.<\/p>\n

[\/dsm_card][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][dsm_card title=”Na\u010drt odpla\u010devanja dolgov” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/10\/2.png” image_background_height=”320px” badge_text=”Cena: 7\u20ac” badge_background_color=”#FFFFFF” button_text=”Nakup” button_url_new_window=”1″ image_background_height_tablet=”400px” image_background_height_phone=”400px” image_background_height_last_edited=”on|tablet” _builder_version=”4.27.2″ _module_preset=”default” badge_font=”|600|||||||” badge_text_color=”#000000″ header_level=”h2″ header_text_align=”center” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#10B2E7″ button_border_color=”#10B2E7″ button_border_radius=”50px” button_use_icon=”off” button_alignment=”right” button_custom_padding=”8px|25px|8px|25px|true|true” global_colors_info=”{}” theme_builder_area=”post_content”]Obrazec za na\u010drt odpla\u010devanja dolgov vam pomaga u\u010dinkovito razporediti pla\u010dila in zmanj\u0161ati dolgove s strategijo, ki daje prednost najvi\u0161jim obrestim ali najmanj\u0161im zneskom dolga.
\n\u010ce se soo\u010date z dolgovi in \u017eelite prevzeti nadzor nad svojimi financami, je Na\u010drt odpla\u010devanja dolgov\u2122 prava re\u0161itev za vas. Ta preprost, a zelo u\u010dinkovit obrazec vam bo pomagal ustvariti jasen pregled nad vsemi dolgovi, obrestnimi merami in mese\u010dnimi pla\u010dili, kar vam omogo\u010da, da oblikujete strate\u0161ki na\u010drt odpla\u010devanja.[\/dsm_card][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][dsm_card title=”Autosugestija za finan\u010dno neodvisnost” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/10\/3.png” image_background_height=”320px” badge_text=”Cena: 10\u20ac” badge_background_color=”#FFFFFF” button_text=”Nakup” button_url_new_window=”1″ image_background_height_tablet=”400px” image_background_height_phone=”400px” image_background_height_last_edited=”on|tablet” _builder_version=”4.27.2″ _module_preset=”default” badge_font=”|600|||||||” badge_text_color=”#000000″ header_level=”h2″ header_text_align=”center” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#10B2E7″ button_border_color=”#10B2E7″ button_border_radius=”50px” button_use_icon=”off” button_alignment=”right” button_custom_padding=”8px|25px|8px|25px|true|true” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Preoblikujte svojo miselnost o denarju z dvema avtosugestijo za finan\u010dno neodvisnost. V paketu sta posnetka za \u017eenske in mo\u0161ke. Poslu\u0161ajte in tlakujte pot do ve\u010djega zaslu\u017eka in finan\u010dne stabilnosti!<\/p>\n

[\/dsm_card][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” module_id=”courses” _builder_version=”4.27.2″ _module_preset=”default” background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(16,178,231,0.13) 0%|rgba(238, 250, 253, 0.94) 34%|#ffffff 100%” background_enable_image=”off” custom_padding=”80px||0px||false|false” custom_padding_tablet=”80px||80px||false|false” custom_padding_phone=”60px||60px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text admin_label=”BREZPLA\u010cNI OBRAZCI” _builder_version=”4.27.2″ _module_preset=”9947cd4f-5c30-4e64-880c-ed331b79d579″ header_2_text_align=”left” header_2_font_size=”36px” header_2_line_height=”1.1em” custom_margin=”||40px||false|false” custom_margin_tablet=”||40px||false|false” custom_margin_phone=”||40px||false|false” custom_margin_last_edited=”on|desktop” header_2_font_size_tablet=”32px” header_2_font_size_phone=”29px” locked=”off” global_colors_info=”{}” custom_margin__hover_enabled=”off|desktop” theme_builder_area=”post_content”]<\/p>\n

Brezpla\u010dni obrazci<\/h2>\n

Redno dodajamo nove obrazce, zato se pogosto vrni.<\/strong>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.25.1″ _module_preset=”default” dd_use_password=”on” dd_form_title=”Za dostop do obrazcev potrebujete geslo!” dd_form_password=”smartwomen” dd_form_placeholder=”Vpi\u0161ite geslo” dd_form_error=”Napa\u010dno geslo” dd_form_submit=”Po\u0161lji” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Mese\u010dni prora\u010dun” url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/proracun-WITH-SMILJAN-MORI.pdf” url_new_window=”on” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/proracun-WITH-SMILJAN-MORI-1.jpg” _builder_version=”4.24.3″ _module_preset=”default” link_option_url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/proracun-WITH-SMILJAN-MORI.pdf” link_option_url_new_window=”on” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Vsako gospodinjstvo bi moralo imeti ta obrazec. V njega zapi\u0161i, koliko predvideva\u0161, da bo\u0161 zapravila in koliko dejansko zapravi\u0161. \u017de po enem mesecu bo\u0161 videla, kje dela\u0161 napake in kako jih lahko odpravi\u0161. Fiksni stro\u0161ki so tisti, ki so pribli\u017eno enaki vsak mesec, kot so telefon, elektrika, internet, hrana, medtem ko se spremenljivi stro\u0161ki vsak mesec spreminjajo. Pomembno je, da vse to zapi\u0161e\u0161. Ta obrazec je tvoja odsko\u010dna deska v bolj\u0161o finan\u010dno prihodnost.<\/p>\n

Prenesi<\/strong><\/span><\/a><\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Sledilnik navad” url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Sledilnik-navad.pdf” url_new_window=”on” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Sledilnik-navad.jpg” admin_label=”Sledilnik navad” _builder_version=”4.24.3″ _module_preset=”default” custom_margin=”80px||||false|false” custom_margin_tablet=”50px||||false|false” custom_margin_phone=”50px||||false|false” custom_margin_last_edited=”on|phone” link_option_url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Sledilnik-navad.pdf” link_option_url_new_window=”on” global_colors_info=”{}” theme_builder_area=”post_content”]Sledilnik navad je zelo preprost in u\u010dinkovit obrazec za vse, ki bi rade izbolj\u0161ale svoje navade ali uvedle nove. Obrazec natisni in vanj napi\u0161i novo navado ali ve\u010d navad. Na koncu vsakega dneva pobarvaj krogec, \u010de si bila uspe\u0161na. Z barvanjem bo\u0161 dobila ob\u010dutek ponosa in se po\u010dutila uspe\u0161na. To te bo naredilo bolj motivirano, zato predlagamo, da ga obesi\u0161 na mesto, kjer ga bo\u0161 pogosto videla. Vsakih 7 dni se nagradi.<\/p>\n

Prenesi<\/strong><\/span><\/a>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Tedenski jedilnik” url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Tedenski-jedilnik.pdf” url_new_window=”on” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Tedenski-jedilnik.jpg” admin_label=”Tedenski jedilnik” _builder_version=”4.24.3″ _module_preset=”default” link_option_url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Tedenski-jedilnik.pdf” link_option_url_new_window=”on” global_colors_info=”{}” theme_builder_area=”post_content”]S skrbnim na\u010drtovanjem tedenskega jedilnika lahko prihrani\u0161 veliko denarja, se izogne\u0161 slabi volji in stresu. Raziskave so potrdile, da z na\u010drtovanjem jedilnika prihrani\u0161 lahko tudi do 30 % denarja, ki ga potem lahko porabi\u0161 za druge stvari, na primer nalo\u017ebe. S tem pristopom bo\u0161 zavrgla manj hrane, poleg tega pa so lahko tvoje jedi zelo pestre in okusne. Obrazec vklju\u010duje tudi li\u010den nakupovalni seznam, ki ga lahko vzame\u0161 s seboj v trgovino.<\/p>\n

Prenesi<\/strong><\/span><\/a>[\/et_pb_blurb][et_pb_blurb title=”Moj cilj” url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Moj-cilj.pdf” url_new_window=”on” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Tedenski-jedilnik.jpg” admin_label=”Moj cilj” _builder_version=”4.24.3″ _module_preset=”default” custom_margin=”80px||||false|false” custom_margin_tablet=”50px||||false|false” custom_margin_phone=”50px||||false|false” custom_margin_last_edited=”on|phone” link_option_url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/Moj-cilj.pdf” link_option_url_new_window=”on” global_colors_info=”{}” theme_builder_area=”post_content”]Vsak cilj si je treba zapisati in ga raz\u010dleniti. Ta obrazec ti bo pri tem zelo pomagal, saj bo\u0161 zapisala svoj cilj, si postavila roke in mejnike ter napisala akcijske korake, ki so potrebni, da cilj uresni\u010di\u0161. Realno je pri\u010dakovati, da bodo manj\u0161i izzivi (nepoznavanje dolo\u010denih stvari, birokracija \u2026), a vse lahko premaga\u0161. Obrazec Moj cilj je odli\u010den za poslovne in osebne cilje. \u010ce je vedno pri roki, je manj\u0161a verjetnost, da izgubi\u0161 fokus.<\/p>\n

Prenesi<\/strong><\/span><\/a>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Na\u010drt dneva” url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/NACRT-DNEVA-.pdf” url_new_window=”on” image=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/NACRT-DNEVA-.jpg” admin_label=”Na\u010drt dneva” _builder_version=”4.24.3″ _module_preset=”default” link_option_url=”https:\/\/www.smartmoneywomen.com\/wp-content\/uploads\/2024\/04\/NACRT-DNEVA-.pdf” link_option_url_new_window=”on” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Vsi imamo manj\u0161e in velike cilje, a dejstvo je, da vseh ne moremo uresni\u010diti v enem dnevu. Klju\u010d do uspeha je v tem, da si vsak dan postavi\u0161 3 pomembne cilje, ki te vodijo k uspehu. Trije cilji so \u010disto dovolj. Obrazec vklju\u010duje prostor za tri cilje, naloge, ki jih mora\u0161 opraviti, urnik in prostor za zapiske. To je vse, kar potrebuje\u0161 za uspe\u0161en na\u010drt dneva. Deli ga s svojo dru\u017eino in sodelavci.<\/p>\n

Prenesi<\/strong><\/span><\/a><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row column_structure=”1_4,1_2,1_4″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.24.3″ _module_preset=”9947cd4f-5c30-4e64-880c-ed331b79d579″ global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

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Nimate gesla?<\/h2>\n<\/div>\n<\/div>\n
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Izpolnite podatke in po\u0161ljemo vam ga na email naslov.<\/strong><\/p>\n<\/div>\n<\/div>\n

[\/et_pb_text][dsm_contact_form_7 cf7_library=”100204″ _builder_version=”4.24.3″ _module_preset=”default” placeholder_text_color=”#F5F6F7″ radio_checkbox_text_color=”#000000″ custom_button_one=”on” button_one_text_size=”16px” button_one_text_color=”#FFFFFF” button_one_bg_color=”#10B2E7″ button_one_border_color=”#10B2E7″ button_one_border_radius=”50px” button_one_icon=”$||divi||400″ button_one_icon_color=”#FFFFFF” button_one_custom_padding=”8px|30px|8px|30px|true|true” button_one_custom_padding_tablet=”8px|30px|8px|30px|true|true” button_one_custom_padding_phone=”8px|30px|8px|30px|true|true” button_one_custom_padding_last_edited=”on|desktop” border_color_all_image=”#10B2E7″ global_colors_info=”{}” theme_builder_area=”post_content”][\/dsm_contact_form_7][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Gradivo To je koti\u010dek, kjer bo\u0161 dobila e-priro\u010dnike, obrazce in gradiva, ki ti bodo pomagali zrasti finan\u010dno, poslovno in osebnostno. Z uporabo bo\u0161 prihranila veliko denarja in \u010dasa, se la\u017eje organizirala, delala na samozavesti in mentaliteti in dolo\u010dila prioritete. Redno dodajamo nove obrazce, zato se pogosto vrni.

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Cena: 7\u20ac<\/div><\/figure>\n\t\t\t
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Na\u010drt porabe denarja<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t
Na\u010drt porabe denarja\u2122 vam pomaga jasno razporediti va\u0161 dohodek in dolo\u010diti prioritete glede nujnih stro\u0161kov in \u017eelja. To je orodje za u\u010dinkovito upravljanje osebnih financ, ki vam omogo\u010da, da spremljate svoj denarni tok, zmanj\u0161ate nepotrebne stro\u0161ke in dose\u017eete finan\u010dno ravnovesje.<\/div>\n\t\t\t\t\t
Nakup<\/a><\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>
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Cena: 7\u20ac<\/div><\/figure>\n\t\t\t
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Na\u010drt odpla\u010devanja dolgov<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t
Nakup<\/a><\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>Obrazec za na\u010drt odpla\u010devanja dolgov vam pomaga u\u010dinkovito razporediti pla\u010dila in zmanj\u0161ati dolgove s strategijo, ki daje prednost najvi\u0161jim obrestim ali najmanj\u0161im zneskom dolga. \u010ce se soo\u010date z dolgovi in \u017eelite prevzeti nadzor nad svojimi financami, je Na\u010drt odpla\u010devanja dolgov\u2122 prava re\u0161itev za vas. Ta preprost, a zelo u\u010dinkovit obrazec vam bo pomagal ustvariti jasen […]<\/p>\n","protected":false},"author":1,"featured_media":101208,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-101207","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/pages\/101207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/comments?post=101207"}],"version-history":[{"count":4,"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/pages\/101207\/revisions"}],"predecessor-version":[{"id":101213,"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/pages\/101207\/revisions\/101213"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/media\/101208"}],"wp:attachment":[{"href":"https:\/\/www.smartmoneywomen.com\/mk\/wp-json\/wp\/v2\/media?parent=101207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}