[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dedpo.sk\/ako-nasetrit-peniaze\/#Article","mainEntityOfPage":"https:\/\/www.dedpo.sk\/ako-nasetrit-peniaze\/","headline":"Ako na\u0161etri\u0165 peniaze","name":"Ako na\u0161etri\u0165 peniaze","description":"Peniaze tr\u00e1pia v\u0161ak aj t\u00fdch, ktor\u00ed s\u00edce zar\u00e1baj\u00fa, ale \u017eij\u00fa z v\u00fdplaty do v\u00fdplaty. Tak\u00fdchto rod\u00edn je u n\u00e1s asi … ","datePublished":"2018-12-01","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.dedpo.sk\/author\/#Person","name":"","url":"https:\/\/www.dedpo.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8497d718f60c891079802e88ae93b6c100d284127a9ef9549781b221f13b4bab?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dedpo.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dedpo.sk\/wp-content\/uploads\/img_a295044_w16584_t1546005940.jpg","url":"https:\/\/www.dedpo.sk\/wp-content\/uploads\/img_a295044_w16584_t1546005940.jpg","height":0,"width":0},"url":"https:\/\/www.dedpo.sk\/ako-nasetrit-peniaze\/","wordCount":461,"articleBody":" Peniaze tr\u00e1pia v\u0161ak aj t\u00fdch, ktor\u00ed s\u00edce zar\u00e1baj\u00fa, ale \u017eij\u00fa z v\u00fdplaty do v\u00fdplaty. Tak\u00fdchto rod\u00edn je u n\u00e1s asi najviac. Ale aj tieto rodiny m\u00f4\u017eu a dokonca musia \u010do to na\u0161etri\u0165-  Na\u010do ? Pre pr\u00edpad choroby Pre pr\u00edpad straty pr\u00e1ce Pre pr\u00edpad nutnej k\u00fapy nie\u010doho d\u00f4le\u017eit\u00e9ho- vys\u00e1va\u010d, pr\u00e1\u010dka Vo v\u0161eobecnosti plat\u00ed, \u017ee \u010dlovek by mal ma\u0165 na\u0161etren\u00e9 asi na 6 mesiacov pre\u017eitia. V pr\u00edpade straty zamestnania je to predpokladan\u00e1 doba n\u00e1jdenia novej pr\u00e1ce. V pr\u00edpade hospitaliz\u00e1cie je to tie\u017e priemern\u00e1 doba n\u00e1vratu do pr\u00e1ce. Toto v\u0161etko je ale te\u00f3ria. Aj doba nezamestnanosti aj doba choroby m\u00f4\u017ee by\u0165 dlh\u0161ia aj krat\u0161ia. Presn\u00fd prepo\u010det sa ned\u00e1 urobi\u0165. Pravdou ale zost\u00e1va, \u017ee finan\u010dn\u00e1 rezerva mus\u00ed by\u0165 vytvoren\u00e1. Ako, ke\u010f \u017eijeme od v\u00fdplaty k v\u00fdplate ? Aj tu sa to d\u00e1. Ako teda postupova\u0165, aby sme u\u0161etrili peniaze ? Nap\u00ed\u0161me si na papier v\u0161etky nevyhnutn\u00e9 v\u00fddavky spojen\u00e9 s b\u00fdvan\u00edm- n\u00e1jom, plyn, elektriku, rozhlas, dane Spo\u010d\u00edtajme v\u0161etky rodinn\u00e9 pr\u00edjmy. Od tejto sumy odr\u00e1tajme v\u00fddavky spojen\u00e9 s b\u00fdvan\u00edm. V\u00fdsledok predstavuje sumu na pre\u017eitie a na \u0161etrenie Zoberte ob\u00e1lky a na vrch si nap\u00ed\u0161te : rezerva kr\u00e1tkodob\u00e1, na druh\u00fa rezerva dlhodob\u00e1. Kr\u00e1tkodob\u00e1 rezerva je ur\u010den\u00e1 na ukladanie pe\u0148az\u00ed pre pr\u00edpad poruchy spotrebi\u010da a nutnosti jeho opravy, alebo na n\u00e1kup liekov v pr\u00edpade choroby. Dlhodob\u00e1 p\u00f4jde do banky. Dajte si ju na sporenie. Bez mo\u017enosti okam\u017eit\u00e9ho v\u00fdberu. Nech v\u00e1s to nel\u00e1ka a peniaze sa v\u00e1m za dlh\u0161ie obdobie lep\u0161ie zhodnotia. Ko\u013eko da\u0165 do ktorej ob\u00e1lky ? Za\u010dnite sumou 20\u20ac. \u010casom uvid\u00edte, \u010di m\u00f4\u017eete t\u00fato sumu nav\u00fd\u0161i\u0165. Ostatok pe\u0148az\u00ed si vyde\u013ete po\u010dtom dn\u00ed v mesiaci a m\u00e1te sumu ur\u010den\u00fa na 1 de\u0148. Iba t\u00fato sumu si dajte do pe\u0148a\u017eenky. Iba t\u00fato sumu m\u00ed\u0148ajte v obchode. V\u0161etko \u010do nak\u00fapite si starostlivo zapisujte a na konci mesiaca prehodno\u0165te, \u010di ste neminuli na nie\u010do, \u010do ste vlastne nutne nepotrebovali- keks\u00edky, \u010dokol\u00e1dky, alkohol. Discipl\u00edna vo v\u00fddavkoch je jedinou cestou k \u00faspechu. Ak sa v\u00e1m podar\u00ed z\u00edska\u0165 peniaze mimo v\u00fdplaty s ktorou ste r\u00e1tali- dostanete napr\u00edklad pr\u00e9mie, alebo vyhr\u00e1te- aj z tejto \u010diastky aspo\u0148 tretinu ulo\u017ete do banky. Dve tretiny v\u00e1m bud\u00fa sl\u00fa\u017ei\u0165 ako pr\u00edjemn\u00e9 zlep\u0161enie v\u00fddavkov napr\u00edklad na Vianoce.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako na\u0161etri\u0165 peniaze","item":"https:\/\/www.dedpo.sk\/ako-nasetrit-peniaze\/#breadcrumbitem"}]}]