[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bukaz.sk\/ako-by-mal-mlady-zarabajuci-clovek-spravne-nalozit-s-prijmom\/#Article","mainEntityOfPage":"https:\/\/www.bukaz.sk\/ako-by-mal-mlady-zarabajuci-clovek-spravne-nalozit-s-prijmom\/","headline":"Ako by mal mlad\u00fd zar\u00e1baj\u00faci \u010dlovek spr\u00e1vne nalo\u017ei\u0165 s pr\u00edjmom?","name":"Ako by mal mlad\u00fd zar\u00e1baj\u00faci \u010dlovek spr\u00e1vne nalo\u017ei\u0165 s pr\u00edjmom?","description":"Ka\u017ed\u00fd mlad\u00fd \u010dlovek si, pochopite\u013ene, po svojej prvej v\u00fdplate chce k\u00fapi\u0165 ihne\u010f to, po \u010dom v\u017edy t\u00fa\u017eil. Pr\u00edpadne si odlo\u017ei\u0165 na nov\u00fd telef\u00f3n, dovolenku, auto, […]","datePublished":"2020-01-23","dateModified":"2024-02-20","author":{"@type":"Person","@id":"https:\/\/www.bukaz.sk\/author\/#Person","name":"","url":"https:\/\/www.bukaz.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bukaz.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bukaz.sk\/wp-content\/uploads\/img_a303297_w16540_t1563467948.jpg","url":"https:\/\/www.bukaz.sk\/wp-content\/uploads\/img_a303297_w16540_t1563467948.jpg","height":0,"width":0},"url":"https:\/\/www.bukaz.sk\/ako-by-mal-mlady-zarabajuci-clovek-spravne-nalozit-s-prijmom\/","wordCount":421,"articleBody":"Ka\u017ed\u00fd mlad\u00fd \u010dlovek si, pochopite\u013ene, po svojej prvej v\u00fdplate chce k\u00fapi\u0165 ihne\u010f to, po \u010dom v\u017edy t\u00fa\u017eil. Pr\u00edpadne si odlo\u017ei\u0165 na nov\u00fd telef\u00f3n, dovolenku, auto, no m\u00e1loktor\u00ed z\u00a0nich si uvedomuje, \u017ee ak si neza\u010dne pravidelne spori\u0165, m\u00f4\u017ee sa \u010dasom dosta\u0165 do nepekn\u00fdch probl\u00e9mov.Prv\u00fd chybn\u00fd pr\u00edstup mlad\u00fdch \u013eud\u00ed je ten, \u017ee si povedia, \u017ee to, \u010do im ostatne na konci mesiaca, si svedomite odlo\u017eia. No malo by to by\u0165 naopak. Sporiaci n\u00e1vyk sa za\u010d\u00edna u\u017e v\u00a0\u010dase, ke\u010f v\u00e1m v\u00fdplata pr\u00edde na \u00fa\u010det a\u00a0vy si ju odlo\u017e\u00edte ihne\u010f. S\u00a0peniazmi \u010falej mus\u00edte zach\u00e1dza\u0165 tak, aby v\u00e1m ostalo do \u010fal\u0161ej v\u00fdplaty a\u00a0vy ste neboli, takpovediac, v\u00a0m\u00ednuse. Je to ot\u00e1zka sebadiscipl\u00edny.Ka\u017ed\u00fd mlad\u00fd sa p\u00fdta, ko\u013eko by si mal pravidelne doklada\u0165. Je to individu\u00e1lne, ale ka\u017ed\u00fd \u010dlovek by si mal vedie\u0165 odlo\u017ei\u0165 tretinu a\u017e polovicu zo svojho pr\u00edjmu. T\u00e1to hodnota je d\u00f4le\u017eit\u00e1, ak si chcete vybudova\u0165 nejak\u00fd slu\u0161n\u00fd kapit\u00e1l na splnenie si svojich cie\u013eov v\u00a0bud\u00facnosti.Mlad\u00ed ve\u013ea m\u00ed\u0148aj\u00fa. Na zna\u010dkov\u00e9 veci, na nov\u00e9 telef\u00f3ny, na veci, ktor\u00e9 s\u00fa mo\u017eno v\u00a0tom \u010dase in, ale nesk\u00f4r u\u017e bud\u00fa out. A\u017e potom si za\u010dn\u00fa uvedomova\u0165, ko\u013eko pe\u0148az\u00ed minule na zbyto\u010dn\u00e9 veci. Mali by sa teda nau\u010di\u0165 \u0161etri\u0165 u\u017e od za\u010diatku. Zvykn\u00fa si, \u017ee ak bud\u00fa ma\u0165 raz hypot\u00e9ku, tie\u017e tam p\u00f4jde pravidelne ist\u00e1 \u010das\u0165 z\u00a0ich pr\u00edjmu. U\u0161etri\u0165 sa d\u00e1 i\u00a0z\u00a0pr\u00edjmu 500-600 eur. Treba v\u0161ak vedie\u0165, ako na to a\u00a0mo\u017eno sa v\u00a0ist\u00fdch chv\u00ed\u013each i\u00a0uskromni\u0165. Niekedy pom\u00f4\u017ee aj finan\u010dn\u00fd odborn\u00edk, ktor\u00fd mlad\u00e9mu porad\u00ed, vysvetl\u00ed potrebn\u00e9 veci a\u00a0navrhne rie\u0161enie, ako by mal dan\u00fd \u010dlovek so svojim pr\u00edjmom nar\u00e1ba\u0165 tak, aby si dok\u00e1zal u\u0161etri\u0165, ale samozrejme, sa aj nemusel pr\u00edli\u0161 obmedzova\u0165.Mus\u00edme zd\u00f4razni\u0165, \u017ee neexistuje ide\u00e1lne a\u00a0jedno rie\u0161enie pre ka\u017ed\u00e9ho. V\u0161etko z\u00e1vis\u00ed od pr\u00e1ce a\u00a0samozrejme, od toho, ko\u013eko \u010dlovek zar\u00e1ba. Tie\u017e aj od jeho povahy. To, \u010do vyhovuje jedn\u00e9mu, pochopite\u013ene, in\u00e9mu vyhovova\u0165 nemus\u00ed. Treba v\u0161ak zv\u00e1\u017ei\u0165 v\u0161etky mo\u017enosti a\u00a0premyslie\u0165 si, ako \u010dlovek bude so svojimi financiami nar\u00e1ba\u0165.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako by mal mlad\u00fd zar\u00e1baj\u00faci \u010dlovek spr\u00e1vne nalo\u017ei\u0165 s pr\u00edjmom?","item":"https:\/\/www.bukaz.sk\/ako-by-mal-mlady-zarabajuci-clovek-spravne-nalozit-s-prijmom\/#breadcrumbitem"}]}]