[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bukaz.sk\/ako-usetrit-zo-svojho-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.bukaz.sk\/ako-usetrit-zo-svojho-prijmu\/","headline":"Ako  u\u0161etri\u0165 zo svojho pr\u00edjmu","name":"Ako  u\u0161etri\u0165 zo svojho pr\u00edjmu","description":"Niektor\u00ed \u013eudia dok\u00e1\u017eu u\u0161etri\u0165 i\u00a0z\u00a0m\u00e1la, in\u00ed maj\u00fa finan\u010dn\u00e9 probl\u00e9my aj pri nad\u0161tandardn\u00fdch pr\u00edjmoch. Odborn\u00edci n\u00e1m radia, \u017ee z ka\u017ed\u00e9ho mesa\u010dn\u00e9ho pr\u00edjmu by sme mali by\u0165 […]","datePublished":"2018-02-19","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_a287046_w16540_t1524136810.jpg","url":"https:\/\/www.bukaz.sk\/wp-content\/uploads\/img_a287046_w16540_t1524136810.jpg","height":0,"width":0},"url":"https:\/\/www.bukaz.sk\/ako-usetrit-zo-svojho-prijmu\/","wordCount":398,"articleBody":"Niektor\u00ed \u013eudia dok\u00e1\u017eu u\u0161etri\u0165 i\u00a0z\u00a0m\u00e1la, in\u00ed maj\u00fa finan\u010dn\u00e9 probl\u00e9my aj pri nad\u0161tandardn\u00fdch pr\u00edjmoch. Odborn\u00edci n\u00e1m radia, \u017ee z ka\u017ed\u00e9ho mesa\u010dn\u00e9ho pr\u00edjmu by sme mali by\u0165 schopn\u00ed odlo\u017ei\u0165 25 percent. Mus\u00edte sa nau\u010di\u0165 nielen kontrolova\u0165 svoje v\u00fddavky, ale i\u00a0vytv\u00e1ra\u0165 rezervy. M\u00e1te pocit, \u017ee rezervy nie je z \u010doho tvori\u0165? Aby ste si boli ist\u00ed, bude potrebn\u00e9 trochu po\u010d\u00edta\u0165. Od\u010d\u00edtajte priemern\u00e9 mesa\u010dn\u00e9 v\u00fddavky dom\u00e1cnosti od svojich priemern\u00fdch mesa\u010dn\u00fdch pr\u00edjmov. To, \u010do zostane, si odkladajte.Pre niekoho m\u00f4\u017ee by\u0165 odkladanie \u0161tvrtiny \u010dist\u00e9ho pr\u00edjmu nere\u00e1lne. Vr\u00e1\u0165te sa k bilancii a povedzte si, s akou sumou m\u00f4\u017eete za\u010da\u0165. Aspo\u0148 20 eur by mal by\u0165 schopn\u00fd n\u00e1js\u0165 takmer ka\u017ed\u00fd. Tvori\u0165 rezervy a odklada\u0165 vo\u013en\u00e9 prostriedky vy\u017eaduje discipl\u00ednu a osvojenie spr\u00e1vnych n\u00e1vykov. Najlep\u0161ie funguje, ke\u010f si nastav\u00edte trval\u00fd pr\u00edkaz p\u00e1r dn\u00ed potom, \u010do v\u00e1m pr\u00edde mzda na \u00fa\u010det. Mnoho \u013eud\u00ed si tie\u017e zvyklo ka\u017ed\u00fd ve\u010der vhodi\u0165 \u00a0v\u0161etky drobn\u00e9 do prasiatka. Po \u0161iestich mesiacoch alebo po roku prasiatko vysypte a schv\u00e1lne spo\u010d\u00edtajte, ko\u013eko ste nasporili.Ak sa v\u00e1m podar\u00ed ka\u017ed\u00fd mesiac u\u0161etri\u0165, za\u010dnite si vytv\u00e1ra\u0165 \u0161tyri druhy rezerv.1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pohotovostn\u00e1 rezerva je ur\u010den\u00e1 pre neo\u010dak\u00e1van\u00e9 v\u00fddavky. Optim\u00e1lne sa pohybuje vo v\u00fd\u0161ke trojn\u00e1sobku nutn\u00fdch mesa\u010dn\u00fdch v\u00fddavkov. Nepatr\u00ed do vank\u00fa\u0161a, ani do hrn\u010deka, ale napr\u00edklad na sporiaci \u00fa\u010det.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kr\u00e1tkodob\u00e1 rezerva \u00a0je d\u00f4le\u017eit\u00e1, aby ste ne\u010derpali peniaze z\u00a0pohotovostnej rezervy. Jej cie\u013eom b\u00fdva pr\u00edprava pe\u0148az\u00ed na dovolenku alebo viano\u010dn\u00e9 n\u00e1kupy.3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Strednodob\u00e1 rezerva na v\u00e4\u010d\u0161ie v\u00fddavkyStrednodob\u00fd horizont znamen\u00e1 obdobie okolo piatich rokov. Cie\u013eom strednodobej rezervy b\u00fdva pr\u00edprava na svadbu, narodenie die\u0165a\u0165a, n\u00e1kup auta \u010di nehnute\u013enosti, rekon\u0161trukcie existuj\u00facej dom\u00e1cnosti, mimoriadna spl\u00e1tka hypot\u00e9ky alebo cesta okolo sveta. Vyu\u017eite stavebn\u00e9 sporenie alebo podielov\u00e9 fondy.4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dlhodob\u00e1 rezerva ako pr\u00edprava na starobuDlhodob\u00e1 rezerva zvy\u010dajne prekra\u010duje horizont piatich rokov a jej cie\u013eom je pr\u00edprava na starobu, \u0161tartovn\u00e9 do \u017eivota pre deti alebo pred\u010dasn\u00e9 splatenie hypot\u00e9ky.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako  u\u0161etri\u0165 zo svojho pr\u00edjmu","item":"https:\/\/www.bukaz.sk\/ako-usetrit-zo-svojho-prijmu\/#breadcrumbitem"}]}]