[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.buduin.cz\/jak-valcime-s-financemi\/#Article","mainEntityOfPage":"https:\/\/www.buduin.cz\/jak-valcime-s-financemi\/","headline":"Jak v\u00e1l\u010d\u00edme s financemi","name":"Jak v\u00e1l\u010d\u00edme s financemi","description":"N\u00e1\u0161 n\u00e1rod byl v oblasti financ\u00ed je\u0161t\u011b v 90. letech minul\u00e9ho stolet\u00ed pova\u017eov\u00e1n za vylo\u017een\u011b negramotn\u00fd. Um\u011bli jsme spo\u0159it jen na vkladn\u00edch kn\u00ed\u017ek\u00e1ch nebo schov\u00e1vat pen\u00edze do slamn\u00edku. Dneska u\u017e se \u0159ad\u00edme v Evrop\u011b mezi pr\u016fm\u011br a o hospoda\u0159en\u00ed s pen\u011bzi se st\u00e1le v\u00edce zaj\u00edm\u00e1me. Vyu\u017e\u00edv\u00e1me finan\u010dn\u00edho poradenstv\u00ed a v\u011bt\u0161inu pen\u011bz si ukl\u00e1d\u00e1me na svoje<a class=\"more-link\" href=\"https:\/\/www.buduin.cz\/jak-valcime-s-financemi\/\"> Pokra\u010dovat ve \u010dten\u00ed <span class=\"screen-reader-text\">Jak v\u00e1l\u010d\u00edme s financemi<\/span> <span class=\"meta-nav\" aria-hidden=\"true\">&rarr;<\/span><\/a>","datePublished":"2025-02-26","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.buduin.cz\/author\/#Person","name":"buduin.cz\n","url":"https:\/\/www.buduin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c0c0e488d5f88ebdb5e32a558e21f6df03f38644814b5677bcd67e16813bee55?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"buduin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.buduin.cz\/wp-content\/uploads\/img_a302876_w2022_t1512850645.jpg","url":"https:\/\/www.buduin.cz\/wp-content\/uploads\/img_a302876_w2022_t1512850645.jpg","height":0,"width":0},"url":"https:\/\/www.buduin.cz\/jak-valcime-s-financemi\/","about":["Finance"],"wordCount":437,"articleBody":"N\u00e1\u0161 n\u00e1rod byl v oblasti financ\u00ed je\u0161t\u011b v 90. letech minul\u00e9ho stolet\u00ed pova\u017eov\u00e1n za vylo\u017een\u011b negramotn\u00fd. Um\u011bli jsme spo\u0159it jen na vkladn\u00edch kn\u00ed\u017ek\u00e1ch nebo schov\u00e1vat pen\u00edze do slamn\u00edku. Dneska u\u017e se \u0159ad\u00edme v Evrop\u011b mezi pr\u016fm\u011br a o hospoda\u0159en\u00ed s pen\u011bzi se st\u00e1le v\u00edce zaj\u00edm\u00e1me. Vyu\u017e\u00edv\u00e1me finan\u010dn\u00edho poradenstv\u00ed a v\u011bt\u0161inu pen\u011bz si ukl\u00e1d\u00e1me na svoje vlastn\u00ed bankovn\u00ed \u00fa\u010dty.\u00a0REZERVY VERSUS P\u016eJ\u010cKYPouze 25 % \u010desk\u00fdch dom\u00e1cnost\u00ed nem\u00e1 \u017e\u00e1dnou finan\u010dn\u00ed rezervu. V\u011bt\u0161ina z n\u00e1s m\u00e1 tedy pen\u00edze schovan\u00e9 na ne\u010dekan\u00e9 v\u00fddaje. Odborn\u00edci doporu\u010duj\u00ed m\u00edt ulo\u017een \u0161estin\u00e1sobek v\u00fddaj\u016f dom\u00e1cnosti, to pro p\u0159\u00edpad, kdyby se zhroutil hlavn\u00ed zdroj p\u0159\u00edjmu. Takovou rezervu nem\u00e1 ani polovina z n\u00e1s, ov\u0161em na druh\u00e9 stran\u011b v\u00edce ne\u017e polovina na\u0161ich dom\u00e1cnost\u00ed m\u00e1 majetek p\u0159es mili\u00f3n korun.I p\u0159esto, \u017ee v\u011bt\u0161ina lid\u00ed m\u00e1 schovan\u00e9 finance na hor\u0161\u00ed \u010dasy, pr\u016fm\u011brn\u00e1 \u010d\u00e1stka, kterou m\u00e1 ka\u017ed\u00fd z n\u00e1s p\u016fj\u010denou, \u010din\u00ed p\u0159es sto tis\u00edc korun. P\u016fj\u010dujeme si ji\u017e zcela b\u011b\u017en\u011b na auta, vybaven\u00ed nebo rekonstrukci dom\u00e1cnosti a dokonce i na v\u00e1no\u010dn\u00ed d\u00e1rky. Odborn\u00edci v\u0161ak tvrd\u00ed, \u017ee jsme zodpov\u011bdn\u011bj\u0161\u00ed ne\u017e p\u0159ed l\u00e9ty, proto\u017ee si dob\u0159e rozmysl\u00edme, jakou p\u016fj\u010dku zvolit. Hlavn\u011b v\u0161ak nevol\u00edme tolik to nejhor\u0161\u00ed \u0159e\u0161en\u00ed, tedy vytlouk\u00e1n\u00ed kl\u00edn kl\u00ednem v p\u016fj\u010dk\u00e1ch na zaplacen\u00ed p\u0159edchoz\u00edch dluh\u016f.\u00a0ZDRAV\u00c9 V\u00ddDAJE A SPO\u0158EN\u00cdNa ka\u017edodenn\u00edch mal\u00fdch \u00fatrat\u00e1ch, kter\u00e9 nejsou v\u017edy nezbytn\u00e9, m\u016f\u017eeme dost u\u0161et\u0159it a v\u00fddaje jimi zna\u010dn\u011b sn\u00ed\u017eit. Chceme-li se p\u0159inutit n\u011bco u\u0161et\u0159it, potom opravdu pom\u016f\u017ee zn\u00e1m\u00fd ob\u00e1lkov\u00fd syst\u00e9m. V ka\u017ed\u00e9 ob\u00e1lce si stanov\u00edme c\u00edlovou \u010d\u00e1stku, t\u0159eba na dovolenou, ka\u017ed\u00fd m\u011bs\u00edc do n\u00ed n\u011bco p\u0159id\u00e1me a m\u00e1me tak dokonal\u00fd p\u0159ehled, kolik n\u00e1m je\u0161t\u011b zb\u00fdv\u00e1.\u00a0P\u0159\u00edklady zdrav\u00e9ho hospoda\u0159en\u00ed:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 nechodit nakupovat s pr\u00e1zdn\u00fdm \u017ealudkem\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 nakupovat co nejv\u00edce p\u0159es internet\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 neobjedn\u00e1vat si j\u00eddlo dom\u016f\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 zru\u0161it pap\u00edrov\u00e9 v\u00fdpisy a vym\u011bnit je za elektronick\u00e9\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 nejezdit zbyte\u010dn\u011b autem\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 nepo\u0159izovat d\u011btem hra\u010dky p\u0159i ka\u017ed\u00e9 p\u0159\u00edle\u017eitosti                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak v\u00e1l\u010d\u00edme s financemi","item":"https:\/\/www.buduin.cz\/jak-valcime-s-financemi\/#breadcrumbitem"}]}]