{"id":1402,"date":"2023-08-11T11:12:16","date_gmt":"2023-08-11T11:12:16","guid":{"rendered":"https:\/\/theme-dev.cmsmasters.net\/magazine-sport\/ecb-reveal-2024-county-cricket-schedule\/"},"modified":"2024-07-29T15:26:07","modified_gmt":"2024-07-29T15:26:07","slug":"ecb-reveal-2024-county-cricket-schedule","status":"publish","type":"post","link":"https:\/\/new.bizz.io\/sl\/2023\/08\/11\/ecb-reveal-2024-county-cricket-schedule\/","title":{"rendered":"Dru\u017einske finance: Skupno potovanje k finan\u010dni stabilnosti"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1402\" class=\"elementor elementor-1402\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75b1dc2 e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"75b1dc2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09e2e6a cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"09e2e6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Ko se odlo\u010dimo za skupno \u017eivljenje z ljubljenimi osebami, je ena izmed klju\u010dnih odlo\u010ditev, kako bomo skupaj upravljali z na\u0161imi financami. Dru\u017einske finance niso zgolj nadgradnja osebnega finan\u010dnega upravljanja, ampak kompleksen proces, ki zahteva skrbno na\u010drtovanje, komunikacijo in skupne odlo\u010ditve.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec638a cmsmasters-testimonial-layout-bottom cmsmasters-testimonial-author-width-inline cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-testimonial\" data-id=\"6ec638a\" data-element_type=\"widget\" data-widget_type=\"cmsmasters-testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/plugins\/cmsmasters-elementor-addon\/assets\/css\/widget-cmsmasters-testimonials.min.css\"><div class=\"cmsmasters-testimonial\" itemscope itemtype=\"https:\/\/schema.org\/Review\"><div class=\"elementor-screen-only\" itemprop=\"itemReviewed\" itemscope itemtype=\"https:\/\/schema.org\/Organization\">\n\t\t\t\t<meta itemprop=\"name\" content=\"bizzio\">\n\t\t\t\t<link itemprop=\"url\" href=\"https:\/\/new.bizz.io\/sl\" \/><\/div><div class=\"cmsmasters-testimonial__inner\"><div class=\"cmsmasters-testimonial__main-area\"><div class=\"cmsmasters-testimonial__content\"><div class=\"cmsmasters-testimonial__content-outer\"><div class=\"cmsmasters-testimonial__content-inner\"><div class=\"cmsmasters-testimonial__text\" itemprop=\"reviewBody\"><p>Z ustrezno strategijo in medsebojnim sodelovanjem je mogo\u010de dose\u010di finan\u010dno varnost in blaginjo celotne dru\u017eine.\n<\/p><\/div><\/div><\/div><\/div><div class=\"cmsmasters-testimonial__author-info\"><div class=\"cmsmasters-testimonial__author-info-outer\"><div class=\"cmsmasters-testimonial__author-info-inner\"><div class=\"cmsmasters-testimonial__author-info-wrap\"><span class=\"cmsmasters-testimonial__author-name\"><span itemprop=\"author\">Veronika<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f23eae1 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"f23eae1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Na\u010dela upravljanja dru\u017einskih financ\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cb5617 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"0cb5617\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ko zdru\u017eimo \u017eivljenje in finance z drugimi, moramo prilagoditi svoje finan\u010dne navade in razmisliti o novih strategijah. Skupno \u017eivljenje pomeni skupne stro\u0161ke, a hkrati tudi mo\u017enost, da se breme teh stro\u0161kov deli. To ne velja le za partnerja, ampak tudi za otroke ali druge dru\u017einske \u010dlane, ki lahko prispevajo k dru\u017einskemu prora\u010dunu.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16248bd e-con-full e-flex cmsmasters-block-default e-con e-child\" data-id=\"16248bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ff7f8 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"e2ff7f8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Upravljanje z izdatki in prora\u010dunom<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa6ae96 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"aa6ae96\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Prvi korak k uspe\u0161nemu upravljanju dru\u017einskih financ je ustvarjanje jasnega seznama vseh skupnih in osebnih izdatkov. To vklju\u010duje redne mese\u010dne stro\u0161ke, kot so hrana, stanovanje in prevoz, kot tudi sezonske izdatke, kot so zavarovanja in po\u010ditnice. Temeljita analiza izdatkov omogo\u010da oblikovanje realnega dru\u017einskega prora\u010duna.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f5a645 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"0f5a645\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Razdelitev finan\u010dnega bremena<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cea5431 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"cea5431\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pomembno je po\u0161teno razdeliti finan\u010dno breme skupnega \u017eivljenja. Nekatere dru\u017eine se odlo\u010dijo za sorazmerno delitev glede na dohodke, druge za enakomerno delitev ali razdelitev odgovornosti za dolo\u010dene stro\u0161ke. Klju\u010dno je, da najdete model, ki ustreza va\u0161i dru\u017eini, in da so vsi \u010dlani zadovoljni s tem dogovorom.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd04990 cmsmasters-trigger-icon-view-framed cmsmasters-title-alignment-left cmsmasters-item-icon-position-left cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-toggles cmsmasters-widget-toggles\" data-id=\"cd04990\" data-element_type=\"widget\" data-settings=\"{&quot;toggles&quot;:[{&quot;toggle_title&quot;:&quot;Ban\\u010dni ra\\u010duni in finan\\u010dne storitve&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Pri izbiri ban\\u010dnih ra\\u010dunov in storitev je smiselno razmisliti o potrebah vsakega dru\\u017einskega \\u010dlana. Namesto da bi vsak imel svoj komplet pla\\u010dilnih kartic, je morda bolj smiselno, da se dru\\u017einski \\u010dlani dopolnjujejo s karticami razli\\u010dnih sistemov. Prav tako je priporo\\u010dljivo preu\\u010diti ban\\u010dne pakete, ki ustrezajo vzorcem uporabe va\\u0161e dru\\u017eine.&lt;\\\/span&gt;&lt;\\\/p&gt;&lt;p&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br \\\/&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;745b01a&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;toggle_title&quot;:&quot;Skrb za dolgove in premo\\u017eenje&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Ne pozabite v pregled dru\\u017einskih financ vklju\\u010diti tudi osebnih dolgov in premo\\u017eenja \\u010dlanov. Ustrezna zavarovanja in pooblastila so klju\\u010dna za zagotovitev, da bo v primeru nepredvidenih dogodkov dru\\u017eina finan\\u010dno za\\u0161\\u010ditena.&lt;\\\/span&gt;&lt;\\\/p&gt;&lt;p&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br \\\/&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;3bf3c09&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;_id&quot;:&quot;52d7171&quot;,&quot;toggle_title&quot;:&quot;Gradnja dru\\u017einskih finan\\u010dnih rezerv&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Poleg osebnih rezerv je pomembno oblikovati tudi dru\\u017einske finan\\u010dne rezerve. Te niso pomembne le za kritje nepri\\u010dakovanih izdatkov, ampak tudi za zagotavljanje dolgoro\\u010dne finan\\u010dne varnosti vsem dru\\u017einskim \\u010dlanom, vklju\\u010dno z otroki.&lt;\\\/span&gt;&lt;\\\/p&gt;&lt;p&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br \\\/&gt;&lt;\\\/p&gt;&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;toggle_title&quot;:&quot;Dav\\u010dne ugodnosti in obveznosti&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Razumevanje dav\\u010dnega sistema in iskanje mo\\u017enosti za optimizacijo dav\\u010dnih obveznosti je klju\\u010dno za maksimiziranje dru\\u017einskega prora\\u010duna. To lahko vklju\\u010duje uveljavljanje olaj\\u0161av za vzdr\\u017eevane dru\\u017einske \\u010dlane ali izbiro najugodnej\\u0161e mo\\u017enosti za delitev olaj\\u0161av med partnerjema.&lt;\\\/span&gt;&lt;\\\/p&gt;&lt;p&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br \\\/&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;35f20d8&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;},{&quot;toggle_title&quot;:&quot;Finan\\u010dna vzgoja otrok&quot;,&quot;toggle_content&quot;:&quot;&lt;p&gt;&lt;span style=\\&quot;font-weight: 400;\\&quot;&gt;Vklju\\u010devanje otrok v dru\\u017einske finan\\u010dne razprave in odlo\\u010ditve je pomemben korak pri njihovi finan\\u010dni vzgoji. Otroci, ki razumejo vrednost denarja in se zgodaj nau\\u010dijo odgovornega ravnanja z njim, so bolje pripravljeni na finan\\u010dne izzive samostojnega \\u017eivljenja.&lt;\\\/span&gt;&lt;\\\/p&gt;&lt;p&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br style=\\&quot;font-weight: 400;\\&quot; \\\/&gt;&lt;br \\\/&gt;&lt;\\\/p&gt;&quot;,&quot;_id&quot;:&quot;66008fe&quot;,&quot;content_type&quot;:&quot;toggle-content&quot;,&quot;saved_section&quot;:null,&quot;item_icon&quot;:{&quot;value&quot;:&quot;&quot;,&quot;library&quot;:&quot;&quot;},&quot;toggle_custom_id&quot;:&quot;&quot;}],&quot;default_toggle&quot;:&quot;1&quot;,&quot;type&quot;:&quot;toggles&quot;}\" data-widget_type=\"cmsmasters-toggles.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/elementor\/css\/cmsmasters-custom-widget-cmsmasters-toggles.min.css?ver=1728123085\"><div class=\"elementor-widget-cmsmasters-toggles__list\" role=\"tablist\"><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2141\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2141\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Ban\u010dni ra\u010duni in finan\u010dne storitve<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2141\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2141\"><p><span style=\"font-weight: 400;\">Pri izbiri ban\u010dnih ra\u010dunov in storitev je smiselno razmisliti o potrebah vsakega dru\u017einskega \u010dlana. Namesto da bi vsak imel svoj komplet pla\u010dilnih kartic, je morda bolj smiselno, da se dru\u017einski \u010dlani dopolnjujejo s karticami razli\u010dnih sistemov. Prav tako je priporo\u010dljivo preu\u010diti ban\u010dne pakete, ki ustrezajo vzorcem uporabe va\u0161e dru\u017eine.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2142\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2142\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Skrb za dolgove in premo\u017eenje<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2142\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2142\"><p><span style=\"font-weight: 400;\">Ne pozabite v pregled dru\u017einskih financ vklju\u010diti tudi osebnih dolgov in premo\u017eenja \u010dlanov. Ustrezna zavarovanja in pooblastila so klju\u010dna za zagotovitev, da bo v primeru nepredvidenih dogodkov dru\u017eina finan\u010dno za\u0161\u010ditena.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2143\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2143\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Gradnja dru\u017einskih finan\u010dnih rezerv<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2143\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2143\"><p><span style=\"font-weight: 400;\">Poleg osebnih rezerv je pomembno oblikovati tudi dru\u017einske finan\u010dne rezerve. Te niso pomembne le za kritje nepri\u010dakovanih izdatkov, ampak tudi za zagotavljanje dolgoro\u010dne finan\u010dne varnosti vsem dru\u017einskim \u010dlanom, vklju\u010dno z otroki.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2144\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2144\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Dav\u010dne ugodnosti in obveznosti<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2144\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2144\"><p><span style=\"font-weight: 400;\">Razumevanje dav\u010dnega sistema in iskanje mo\u017enosti za optimizacijo dav\u010dnih obveznosti je klju\u010dno za maksimiziranje dru\u017einskega prora\u010duna. To lahko vklju\u010duje uveljavljanje olaj\u0161av za vzdr\u017eevane dru\u017einske \u010dlane ali izbiro najugodnej\u0161e mo\u017enosti za delitev olaj\u0161av med partnerjema.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p><\/div><\/div><div class=\"elementor-widget-cmsmasters-toggles__item\"><h4 id=\"elementor-tab-title-2145\" class=\"elementor-widget-cmsmasters-toggles__title\" data-tab=\"5\" role=\"tab\" aria-controls=\"elementor-widget-cmsmasters-toggles__content-2145\" aria-expanded=\"false\"><a class=\"elementor-widget-cmsmasters-toggles__title-link cmsmasters_enable_trigger_icon\" href=\"#\"><span class=\"elementor-widget-cmsmasters-toggles__title-text\">Finan\u010dna vzgoja otrok<\/span><\/a><span class=\"elementor-widget-cmsmasters-toggles__trigger\" aria-hidden=\"true\"><span class=\"elementor-widget-cmsmasters-toggles__trigger-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"elementor-widget-cmsmasters-toggles__trigger-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><\/span><\/h4><div id=\"elementor-widget-cmsmasters-toggles__content-2145\" class=\"elementor-widget-cmsmasters-toggles__content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2145\"><p><span style=\"font-weight: 400;\">Vklju\u010devanje otrok v dru\u017einske finan\u010dne razprave in odlo\u010ditve je pomemben korak pri njihovi finan\u010dni vzgoji. Otroci, ki razumejo vrednost denarja in se zgodaj nau\u010dijo odgovornega ravnanja z njim, so bolje pripravljeni na finan\u010dne izzive samostojnega \u017eivljenja.<\/span><\/p><p><br style=\"font-weight: 400;\" \/><br style=\"font-weight: 400;\" \/><br \/><\/p><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25e88d2 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-heading\" data-id=\"25e88d2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Dru\u017einske finance kot skupna odgovornost in prilo\u017enost<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7023430 e-con-full e-flex cmsmasters-block-default e-con e-child\" data-id=\"7023430\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f50a0b1 e-con-full e-flex cmsmasters-block-default e-con e-child\" data-id=\"f50a0b1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f58ab8 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"1f58ab8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Upravljanje dru\u017einskih financ je skupno potovanje, ki zahteva sodelovanje, razumevanje in prilagajanje. Z ustrezno komunikacijo, na\u010drtovanjem in skupnimi odlo\u010ditvami lahko dru\u017eine zgradijo mo\u010dan finan\u010dni temelj, ki zagotavlja varnost in blaginjo vsem \u010dlanom. Ne glede na to, ali gre za delitev stro\u0161kov, izbiro pravih finan\u010dnih storitev ali vzgojo finan\u010dno odgovornih otrok, je klju\u010dnega pomena, da vsak \u010dlan dru\u017eine prispeva svoj dele\u017e. Skupaj lahko ustvarite finan\u010dno okolje, ki podpira rast, razvoj in sre\u010do va\u0161e dru\u017eine.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b019534 e-con-full e-flex cmsmasters-bg-hide-none cmsmasters-bg-hide-none cmsmasters-block-default e-con e-child\" data-id=\"b019534\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ko se odlo\u010dimo za skupno \u017eivljenje z ljubljenimi osebami, je ena izmed klju\u010dnih odlo\u010ditev, kako bomo skupaj upravljali z na\u0161imi financami.<\/p>","protected":false},"author":1,"featured_media":35631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[75],"tags":[104,78],"post_template":[64],"top_category":[],"class_list":["post-1402","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-osnova-financ","tag-druzinske-finance","tag-financna-stabilnost","post_format-post-format-video","post_template-video","pmpro-has-access"],"acf":[],"_links":{"self":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1402"}],"collection":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/comments?post=1402"}],"version-history":[{"count":9,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1402\/revisions"}],"predecessor-version":[{"id":35569,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/posts\/1402\/revisions\/35569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/media\/35631"}],"wp:attachment":[{"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/media?parent=1402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/categories?post=1402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/tags?post=1402"},{"taxonomy":"post_template","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/post_template?post=1402"},{"taxonomy":"top_category","embeddable":true,"href":"https:\/\/new.bizz.io\/sl\/wp-json\/wp\/v2\/top_category?post=1402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}