{"id":17539,"date":"2025-01-31T14:19:59","date_gmt":"2025-01-31T14:19:59","guid":{"rendered":"https:\/\/lezio.com\/blog\/?p=17539"},"modified":"2025-06-10T11:15:29","modified_gmt":"2025-06-10T11:15:29","slug":"jak-zbudowac-domowy-budzet-w-oparciu-o-zasade-50-30-20","status":"publish","type":"post","link":"https:\/\/lezio.com\/blog\/jak-zbudowac-domowy-budzet-w-oparciu-o-zasade-50-30-20\/","title":{"rendered":"Jak zbudowa\u0107 domowy bud\u017cet w oparciu o zasad\u0119 50\/30\/20"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17539\" class=\"elementor elementor-17539\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1fb7cc19 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1fb7cc19\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1345bde7\" data-id=\"1345bde7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29a3f78f elementor-widget elementor-widget-text-editor\" data-id=\"29a3f78f\" 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\t\t<p><span style=\"font-weight: 400;\">Zarz\u0105dzanie finansami osobistymi jest niezb\u0119dne dla poczucia stabilno\u015bci i bezpiecze\u0144stwa. Jedn\u0105 z najprostszych i najskuteczniejszych metod planowania wydatk\u00f3w jest zasada 50\/30\/20. Pozwala ona podzieli\u0107 dochody na trzy kategorie: potrzeby, zachcianki i oszcz\u0119dno\u015bci. Dzi\u0119ki temu \u0142atwiej kontrolowa\u0107 wydatki, unika\u0107 nadmiernego zad\u0142u\u017cenia i systematycznie budowa\u0107 oszcz\u0119dno\u015bci. Jak j\u0105 wdro\u017cy\u0107 w \u017cycie?<\/span><\/p><h2>Na czym polega zasada 50\/30\/20?<\/h2><p><span style=\"font-weight: 400;\">Zasada ta zak\u0142ada podzia\u0142 dochodu na trzy g\u0142\u00f3wne obszary:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6ea08d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ea08d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c7cf935\" data-id=\"c7cf935\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2b5b17 elementor-widget elementor-widget-text-editor\" data-id=\"b2b5b17\" 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\t\t<h3>50% \u2013 potrzeby<\/h3><p><span style=\"font-weight: 400;\">To wszystkie wydatki, kt\u00f3re s\u0105 niezb\u0119dne do codziennego funkcjonowania, w tym:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">op\u0142aty za mieszkanie (czynsz, rata kredytu hipotecznego),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">rachunki za pr\u0105d, wod\u0119, gaz, internet, telefon,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u017cywno\u015b\u0107,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">transport (paliwo, bilety komunikacji miejskiej),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ubezpieczenia zdrowotne i inne podstawowe zobowi\u0105zania.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b953ee8\" data-id=\"b953ee8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-943f2f2 elementor-widget elementor-widget-image\" data-id=\"943f2f2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/50.jpg\" class=\"attachment-large size-large wp-image-17543\" alt=\"\" srcset=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/50.jpg 500w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/50-300x300.jpg 300w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/50-150x150.jpg 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b5d03b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5d03b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8202b4b\" data-id=\"8202b4b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82b1956 elementor-widget elementor-widget-text-editor\" data-id=\"82b1956\" 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\t\t<h3>30% \u2013 zachcianki i przyjemno\u015bci<\/h3><p><span style=\"font-weight: 400;\">To wydatki, kt\u00f3re nie s\u0105 konieczne do \u017cycia, ale sprawiaj\u0105, \u017ce jest ono przyjemniejsze:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">wyj\u015bcia do restauracji, kawiarni, kina,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">subskrypcje (serwisy streamingowe, aplikacje premium),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">podr\u00f3\u017ce, hobby,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">odzie\u017c, kosmetyki, gad\u017cety.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee337dd\" data-id=\"ee337dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d767df7 elementor-widget elementor-widget-image\" data-id=\"d767df7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/30.jpg\" class=\"attachment-large size-large wp-image-17544\" alt=\"\" srcset=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/30.jpg 500w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/30-300x300.jpg 300w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/30-150x150.jpg 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b167528 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b167528\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1684c6e\" data-id=\"1684c6e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb8af2f elementor-widget elementor-widget-text-editor\" data-id=\"bb8af2f\" 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\t\t<h3>20% \u2013 oszcz\u0119dno\u015bci i sp\u0142ata d\u0142ug\u00f3w<\/h3><p><span style=\"font-weight: 400;\">To pieni\u0105dze przeznaczone na przysz\u0142o\u015b\u0107 oraz popraw\u0119 sytuacji finansowej. Do tej kategorii zaliczaj\u0105 si\u0119:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">oszcz\u0119dno\u015bci na nag\u0142e wydatki,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">inwestycje (konto oszcz\u0119dno\u015bciowe, fundusze inwestycyjne),<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">nadp\u0142ata kredyt\u00f3w i po\u017cyczek.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cf81545\" data-id=\"cf81545\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2ca270 elementor-widget elementor-widget-image\" data-id=\"f2ca270\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/20.jpg\" class=\"attachment-large size-large wp-image-17547\" alt=\"\" srcset=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/20.jpg 500w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/20-300x300.jpg 300w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/01\/20-150x150.jpg 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1963c8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1963c8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-658f059\" data-id=\"658f059\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85a31c6 elementor-widget elementor-widget-text-editor\" data-id=\"85a31c6\" 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\t\t<h2>Jak wdro\u017cy\u0107 zasad\u0119 50\/30\/20 w \u017cycie?<\/h2><ol><li><b> Oblicz sw\u00f3j doch\u00f3d netto &#8211; <\/b><span style=\"font-weight: 400;\">pod uwag\u0119 bierz kwot\u0119, kt\u00f3r\u0105 faktycznie otrzymujesz na konto po odliczeniu podatk\u00f3w i sk\u0142adek.<\/span><\/li><li><b> Podziel doch\u00f3d wed\u0142ug zasad<\/b><span style=\"font-weight: 400;\"> &#8211; je\u015bli zarabiasz 5000 z\u0142 netto miesi\u0119cznie, podzia\u0142 wygl\u0105da nast\u0119puj\u0105co:<\/span><\/li><\/ol><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2500 z\u0142 na potrzeby,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1500 z\u0142 na przyjemno\u015bci,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1000 z\u0142 na oszcz\u0119dno\u015bci i sp\u0142at\u0119 d\u0142ug\u00f3w.<\/span><\/li><\/ul><ol start=\"3\"><li><b> Monitoruj swoje wydatki<\/b><span style=\"font-weight: 400;\"> &#8211; regularnie sprawdzaj, czy mieszcz\u0105 si\u0119 one w za\u0142o\u017conych ramach. Mo\u017cesz prowadzi\u0107 zapiski w arkuszu kalkulacyjnym lub korzysta\u0107 z aplikacji do zarz\u0105dzania bud\u017cetem.<\/span><\/li><li><b> Dostosuj plan do swojej sytuacji<\/b><span style=\"font-weight: 400;\"> &#8211; je\u015bli masz wysokie zobowi\u0105zania, mo\u017cesz zmniejszy\u0107 bud\u017cet na przyjemno\u015bci i przeznaczy\u0107 wi\u0119ksz\u0105 cz\u0119\u015b\u0107 dochodu na oszcz\u0119dno\u015bci lub sp\u0142at\u0119 d\u0142ug\u00f3w.<\/span><\/li><\/ol><h2>Dlaczego warto stosowa\u0107 zasad\u0119 50\/30\/20?<\/h2><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Proste zarz\u0105dzanie bud\u017cetem<\/b><span style=\"font-weight: 400;\"> \u2013 nie trzeba analizowa\u0107 ka\u017cdej z\u0142ot\u00f3wki, wystarczy trzyma\u0107 si\u0119 okre\u015blonych proporcji.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lepsza kontrola nad finansami <\/b><span style=\"font-weight: 400;\">\u2013 \u0142atwiej unikn\u0105\u0107 impulsywnych zakup\u00f3w i d\u0142ug\u00f3w.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wi\u0119ksze bezpiecze\u0144stwo finansowe \u2013 regularne oszcz\u0119dzanie pozwala zbudowa\u0107 poduszk\u0119 finansow\u0105 na nieprzewidziane sytuacje.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u015awiadome wydawanie pieni\u0119dzy<\/b><span style=\"font-weight: 400;\"> \u2013 podzia\u0142 na kategorie pomaga zachowa\u0107 r\u00f3wnowag\u0119 mi\u0119dzy obowi\u0105zkami a przyjemno\u015bciami.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Zasada 50\/30\/20 to sprawdzony spos\u00f3b na m\u0105dre zarz\u0105dzanie finansami. Dziel\u0105c swoje dochody na potrzeby, przyjemno\u015bci i oszcz\u0119dno\u015bci, \u0142atwiej unika\u0107 zad\u0142u\u017cenia i budowa\u0107 stabiln\u0105 przysz\u0142o\u015b\u0107. Nawet je\u015bli nie mo\u017cesz stosowa\u0107 jej w pe\u0142ni, warto dostosowa\u0107 j\u0105 do w\u0142asnych mo\u017cliwo\u015bci i krok po kroku poprawia\u0107 swoj\u0105 sytuacj\u0119 finansow\u0105.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68be07f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"68be07f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/lezio.com\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Sprawd\u017a dost\u0119pne kursy na Lezio.com<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-02fe63c e-con-full e-flex e-con e-parent\" data-id=\"02fe63c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-93c7246 e-con-full e-flex e-con e-child\" data-id=\"93c7246\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c80b21 elementor-widget elementor-widget-heading\" data-id=\"9c80b21\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dominika Arendarska<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b363437 elementor-widget elementor-widget-heading\" data-id=\"b363437\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Dziennikarka z pasj\u0105 do odkrywania nowych perspektyw i dzielenia si\u0119 nimi z czytelnikami. W chwilach wolnych odkrywa nowe pasje, eksperymentuje z \u017cyciem i wierzy, \u017ce ka\u017cde s\u0142owo ma moc zmiany.\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47608ed elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"47608ed\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/lezio.com\/blog\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Moje artyku\u0142y<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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-9e5832d e-con-full e-flex e-con e-child\" data-id=\"9e5832d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3d3547 elementor-widget elementor-widget-image\" data-id=\"e3d3547\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/03\/T034YAWVBEE-U07AH3NLKCJ-5182f74f0f48-512.png\" class=\"attachment-large size-large wp-image-18274\" alt=\"\" srcset=\"https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/03\/T034YAWVBEE-U07AH3NLKCJ-5182f74f0f48-512.png 512w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/03\/T034YAWVBEE-U07AH3NLKCJ-5182f74f0f48-512-300x300.png 300w, https:\/\/lezio.com\/blog\/wp-content\/uploads\/2025\/03\/T034YAWVBEE-U07AH3NLKCJ-5182f74f0f48-512-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\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>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zarz\u0105dzanie finansami osobistymi jest niezb\u0119dne dla poczucia stabilno\u015bci i bezpiecze\u0144stwa. Jedn\u0105 z najprostszych i najskuteczniejszych metod planowania wydatk\u00f3w jest zasada 50\/30\/20. Pozwala ona podzieli\u0107 dochody na trzy kategorie: potrzeby, zachcianki<\/p>\n","protected":false},"author":13,"featured_media":17541,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[110,114,3],"tags":[130],"class_list":["post-17539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sfera-rozwoju","category-finanse","category-uczestnik","tag-finanse"],"acf":[],"_links":{"self":[{"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/posts\/17539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/comments?post=17539"}],"version-history":[{"count":11,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/posts\/17539\/revisions"}],"predecessor-version":[{"id":19477,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/posts\/17539\/revisions\/19477"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/media\/17541"}],"wp:attachment":[{"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/media?parent=17539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/categories?post=17539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lezio.com\/blog\/wp-json\/wp\/v2\/tags?post=17539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}