{"id":2147,"date":"2018-11-12T15:26:20","date_gmt":"2018-11-12T15:26:20","guid":{"rendered":"https:\/\/financer.sk\/?p=2147"},"modified":"2024-10-15T23:24:25","modified_gmt":"2024-10-15T21:24:25","slug":"financna-gramotnost","status":"publish","type":"how_to","link":"https:\/\/financer.sk\/osobne-financie\/clanky\/financna-gramotnost\/","title":{"rendered":"Ako zlep&#353;i\u0165 svoju finan\u010dn\u00fa gramotnos\u0165?"},"content":{"rendered":"\n<p>Finan\u010dn\u00e1 gramotnos\u0165 je ve\u013emi \u010dasto sklo\u0148ovan\u00e9 slovo. Vyjadruje,<strong> ako rozumieme svojim vlastn\u00fdm peniazom. <\/strong>Finan\u010dne gramotn\u00fd \u010dlovek rozumie z\u00e1kladn\u00fdm pojmom o financi\u00e1ch a vie sa orientova\u0165 vo finan\u010dn\u00fdch produktoch. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p>\u010clovek, ktor\u00fd je finan\u010dne gramotn\u00fd taktie\u017e <strong>vie, na \u010do sa m\u00e1 v zml\u00favach<\/strong> <strong>pozera\u0165, <\/strong>\u010do m\u00e1 \u010d\u00edta\u0165 a ako to m\u00e1 \u010d\u00edta\u0165, pr\u00edpadne na \u010do sa m\u00e1 dodato\u010dne sp\u00fdta\u0165. Taktie\u017e vie v akom pr\u00edpade m\u00e1 zmluvu v\u00f4bec podp\u00edsa\u0165, preto\u017ee si vie v\u00fdsledn\u00e9 \u010d\u00edsla spr\u00e1vne spo\u010d\u00edta\u0165.<\/p><\/div>\n\n\n<p><strong>Nau\u010dte sa tie\u017e orientova\u0165 vo svete financi\u00ed <\/strong>a z\u00edskan\u00e9 znalosti a zru\u010dnosti n\u00e1sledne spr\u00e1vne pou\u017e\u00edvajte vo svojom \u017eivote. Pom\u00f4c\u0165 v\u00e1m m\u00f4\u017ee napr\u00edklad aj tento \u010dl\u00e1nok, pr\u00edpadne aj niektor\u00fd in\u00fd z na\u0161ej redakcie. <\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o_je_finann_gramotnos\">\u010co je finan\u010dn\u00e1 gramotnos\u0165?<\/h2>\n\n\n\n<p>Finan\u010dn\u00e1 gramotnos\u0165 s\u00fa v podstate <strong>znalosti, ktor\u00e9 n\u00e1m pom\u00e1haj\u00fa spr\u00e1vne porozumie\u0165 financi\u00e1m,<\/strong> a taktie\u017e vedie\u0165 s nimi zaobch\u00e1dza\u0165 v rozli\u010dn\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch. <\/p>\n\n\n\n<p>Ke\u010f\u017ee svet financi\u00ed je v 21.storo\u010d\u00ed v\u00fdrazne ovplyvnen\u00ed technol\u00f3giami, neust\u00e1le sa men\u00ed. Z tohto d\u00f4vodu sa musia<strong> aj finan\u010dne gramotn\u00ed \u013eudia neust\u00e1le vzdel\u00e1va\u0165<\/strong> a oboznamova\u0165 sa s novinkami na finan\u010dnom trhu. <\/p>\n\n\n\n<p>Ke\u010f\u017ee financie vedia by\u0165 niekedy komplikovan\u00e9 a je s nimi spojen\u00e9 mno\u017estvo pojmov, pripravili sme si pre v\u00e1s <strong>zoznam z\u00e1kladn\u00fdch pojmov finan\u010dnej gramotnosti, ktor\u00e9 by ste mali pozna\u0165.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong><a href=\"https:\/\/financer.sk\/pozicky\/clanky\/co-je-bonita-klienta\/\">Bonita<\/a> <\/strong>&#8211; schopnos\u0165 dl\u017en\u00edka spl\u00e1ca\u0165 svoje dlhy a splni\u0165 svoje z\u00e1v\u00e4zky.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.sk\/wiki\/uverovy-register\/\">\u00daverov\u00fd register<\/a><\/strong> \u2013 zoznam os\u00f4b, ktor\u00ed maj\u00fa dlhy po splatnosti. Hist\u00f3ria spl\u00e1cania dlhov, pozit\u00edvne aj negat\u00edvne<\/p>\n<\/li><li><p><strong>Nebankov\u00e9 in\u0161tit\u00facie \u2013<\/strong> finan\u010dn\u00e9 in\u0161tit\u00facie, ktor\u00e9 poskytuj\u00fa \u00faverov\u00e9 produkty, obvykle s vy\u0161\u0161ou \u00farokovou mierou.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.sk\/pozicky\/\">\u00daverov\u00e9 produkty <\/a><\/strong>&#8211; jedn\u00e1 sa o p\u00f4\u017ei\u010dky, ktor\u00e9 s\u00fa vyu\u017e\u00edvan\u00e9 v pr\u00edpade nedostato\u010dnej finan\u010dnej hotovosti. M\u00f4\u017ee \u00eds\u0165 o <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9 \u00favery<\/a>, <a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlu p\u00f4\u017ei\u010dku <\/a>a podobne.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">Hypot\u00e9ka<\/a><\/strong> &#8211; jedn\u00e1 sa o \u00fa\u010delov\u00fd \u00faver zastaven\u00fd nehnute\u013enos\u0165ou, jeho doba spl\u00e1cania sa pohybuje v desiatkach rokov.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.sk\/wiki\/co-je-to-rpmn\/\">RPMN<\/a><\/strong> \u2013 zah\u0155\u0148a celkov\u00e9 ro\u010dn\u00e9 n\u00e1klady \u00faveru. Nezah\u0155\u0148a teda iba \u00farokov\u00fa sadzbu, ale aj v\u0161etky poplatky spojen\u00e9 s \u00faverom.<\/p>\n<\/li><li><p><strong>Poistn\u00e9 produkty <\/strong>\u2013 sl\u00fa\u017eia na krytie neo\u010dak\u00e1van\u00fdch udalost\u00ed, pri ktor\u00fdch vznik\u00e1 \u00fajma na zdrav\u00ed alebo majetku.<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.sk\/sporenie\/\">Sporiace produkty<\/a> <\/strong>\u2013 sl\u00fa\u017eia na odlo\u017eenie vo\u013en\u00fdch finan\u010dn\u00fdch produktov. Predov\u0161etk\u00fdm by sa mali vyu\u017e\u00edva\u0165 na tvorbu <a href=\"https:\/\/financer.sk\/ako-na-to\/financna-rezerva\/\">finan\u010dn\u00fdch rezerv.<\/a> \u00darokov\u00e1 miera na nich je relat\u00edvne n\u00edzka.<\/p>\n<\/li><li><p><a href=\"https:\/\/financer.sk\/blog\/kde-investovat-peniaze\/\"><strong>Investi\u010dn\u00e9 produkty <\/strong><\/a>\u2013 nie s\u00fa prim\u00e1rne zameran\u00e9 na odlo\u017eenie vo\u013en\u00fdch pe\u0148az\u00ed, ale sk\u00f4r na ich zhodnotenie. Vy\u0161\u0161ie \u00farokov\u00e9 miery s\u00fa v\u0161ak spojen\u00e9 aj s vy\u0161\u0161\u00edm rizikom.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_zlepi_svoju_finann_gramotnos\">Ako zlep\u0161i\u0165 svoju finan\u010dn\u00fa gramotnos\u0165?<\/h2>\n\n\n<h4>Ako na to?<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Udr\u017eujte ide\u00e1lne finan\u010dn\u00e9 miery<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Zaznamen\u00e1vajte svoje pr\u00edjmy a v\u00fddavky<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Dodr\u017eiavajte stanoven\u00fd rozpo\u010det<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Nau\u010dte sa menej utr\u00e1ca\u0165<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Krok 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Udrzujte-idealne-financne-miery\">Udr\u017eujte ide\u00e1lne finan\u010dn\u00e9 miery<\/h3><p>Ide\u00e1lne finan\u010dn\u00e9 miery s\u00fa 10-20-30-40. 10% pr\u00edjmu si mesa\u010dne odkladajte ako finan\u010dn\u00fa rezervu, 20% smerujte do svojich dlhodob\u00fdch akt\u00edv, 30% na priamu spotrebu a 40% na spl\u00e1tky \u00faverov a hypot\u00e9ky.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Krok 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Zaznamenavajte-svoje-prijmy-a-vydavky\">Zaznamen\u00e1vajte svoje pr\u00edjmy a v\u00fddavky<\/h3><p>Zaznamen\u00e1vanie svojich pr\u00edjmov a v\u00fddavkov je alfou a omegou dobrej finan\u010dnej kond\u00edcie. Len tak toti\u017e skuto\u010dne zist\u00edte, kam ka\u017ed\u00fd mesiac odch\u00e1dzaj\u00fa va\u0161e \u0165a\u017eko zaroben\u00e9 peniaze a uvid\u00edte tak oblasti, v ktor\u00fdch m\u00f4\u017eete u\u0161etri\u0165 viac.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Krok 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Dodrziavajte-stanoveny-rozpocet\">Dodr\u017eiavajte stanoven\u00fd rozpo\u010det<\/h3><p>Stanovte si rozpo\u010det a dodr\u017eiavajte ho. Povedzte si napr\u00edklad, \u017ee na stravu v dan\u00fd mesiac neminiete viac ako 300 EUR a svoje v\u00fddavky sledujte. Pokia\u013e sa vyhnete impulz\u00edvnym n\u00e1kupom a budete nakupova\u0165 s vopred stanoven\u00fdm n\u00e1kupn\u00fdm zoznamom, nebude to probl\u00e9m.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Krok 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Naucte-sa-menej-utracat\">Nau\u010dte sa menej utr\u00e1ca\u0165<\/h3><p>Posledn\u00fd krok znie ako kli\u0161\u00e9, ale viacer\u00ed z n\u00e1s nedok\u00e1\u017eu efekt\u00edvne \u0161etri\u0165 pr\u00e1ve preto, \u017ee prive\u013ea utr\u00e1caj\u00fa. Zaznamen\u00e1vajte svoje v\u00fddavky, analyzujte ich, zam\u00fd\u0161\u013eajte sa nad va\u0161ou spotrebou a uvid\u00edte, \u017ee aj vy dok\u00e1\u017eete \u0161etri\u0165 viac.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<p>Existuje viacero sp\u00f4sobov, ako zlep\u0161i\u0165 svoju finan\u010dn\u00fa gramotnos\u0165 a lep\u0161ie tak porozumie\u0165 vlastn\u00fdm peniazom. Z\u00e1kladn\u00fdm krokom by mali by\u0165 <strong>spr\u00e1vne finan\u010dn\u00e9 miery<\/strong>. <\/p>\n\n\n\n<p>Pozn\u00e1te ich? <strong>Viete, ko\u013eko percent z va\u0161ich pr\u00edjmov by ste si mali odlo\u017ei\u0165, <\/strong>ko\u013eko percent z pr\u00edjmu by malo by\u0165 ur\u010den\u00fdch na priamu spotrebu a ko\u013eko na spl\u00e1canie \u00faverov?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Idelne_finann_miery_s_10_20_30_40\">Ide\u00e1lne finan\u010dn\u00e9 miery s\u00fa 10-20-30-40<\/h2>\n\n\n\n<p>Je smutn\u00e9 kon\u0161tatova\u0165, \u017ee <strong>my Slov\u00e1ci \u010dasto hazardujeme so svojou finan\u010dnou bud\u00facnos\u0165ou. <\/strong>Pod\u013ea viacer\u00fdch finan\u010dn\u00fdch odborn\u00edkov v\u0161ak na za\u010diatok sta\u010d\u00ed pomerne jednoduch\u00e1 vec, osvoji\u0165 si z\u00e1kladn\u00e9 n\u00e1vyky finan\u010dnej discipl\u00edny.<\/p>\n\n\n\n<p>Najd\u00f4le\u017eitej\u0161ie je pozna\u0165 svoje finan\u010dn\u00e9 miery a dodr\u017eiava\u0165 ich. Ide\u00e1lne by bolo, ak by ste si <strong>vytv\u00e1ranie finan\u010dnej rezervy, vytv\u00e1ranie dlhodob\u00fdch akt\u00edv, celkov\u00fa v\u00fd\u0161ky va\u0161ich spl\u00e1tok a mesa\u010dn\u00fa spotrebu<\/strong> vedeli rozdeli\u0165 v pomere 10-20-30-40. Toto jednoducho zapam\u00e4tate\u013en\u00e9 rozdelenie v\u00e1m vysvetl\u00edme bli\u017e\u0161ie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i10_mus_tvori_finann_rezerva\">10% mus\u00ed tvori\u0165 finan\u010dn\u00e1 rezerva<\/h3>\n\n\n\n<p>Nau\u010dte sa pravidlo, ktor\u00e9 znie: <em><strong>&#8220;Najprv zaplat\u00edm sebe.&#8221;<\/strong>\u00a0<\/em>Z ka\u017ed\u00e9ho pr\u00edjmu, ktor\u00fd v ur\u010dit\u00fd mesiac dostanete si odlo\u017ete minim\u00e1lne 10% hne\u010f po v\u00fdplate e\u0161te pred t\u00fdm, ne\u017e zaplat\u00edte ak\u00fdko\u013evek \u0161ek alebo fakt\u00faru a po zvy\u0161ok mesiaca sa ich nedot\u00fdka\u0165.<\/p>\n\n\n\n<p>Mo\u017eno sa v\u00e1m to zd\u00e1 nere\u00e1lne, no pod\u013ea n\u00e1\u0161ho n\u00e1zoru sta\u010d\u00ed za\u010da\u0165 a zvyknete si. Navy\u0161e si uvedom\u00edte, \u017ee <strong>dok\u00e1\u017eete vy\u017ei\u0165 aj z 90% va\u0161ich mesa\u010dn\u00fdch pr\u00edjmov. <\/strong><\/p>\n\n\n\n<p>Pravideln\u00e9 a systematick\u00e9 odkladanie desatiny v\u00e1\u0161ho pr\u00edjmu je prv\u00fdm a z\u00e1rove\u0148 ve\u013emi d\u00f4le\u017eit\u00fdm krokom k z\u00edskaniu v\u00e4\u010d\u0161ej finan\u010dnej stability a rezervy v pr\u00edpade neo\u010dak\u00e1van\u00fdch udalost\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Ak\u00e1 je v\u0161ak optim\u00e1lna hladina finan\u010dnej rezervy? Mala by by\u0165 rovnak\u00e1 ako \u0161es\u0165 va\u0161ich mesa\u010dn\u00fdch pr\u00edjmov. Ak teda mesa\u010dne zar\u00e1bate 750 EUR v \u010distom,<strong> mesa\u010dne by ste si mali odklada\u0165 75 \u20ac dovtedy, dok\u00fdm sa vo finan\u010dnej rezerve nedostanete k \u010d\u00edslu 4500 EUR.<\/strong><\/p><\/div>\n\n\n<p>A\u017e po dosiahnut\u00ed tejto \u010diastky by ste sa mali za\u010da\u0165 s\u00fastredi\u0165 na in\u00e9 kr\u00e1tkodob\u00e9 ciele, ako dovolenka \u010di nov\u00e9 zariadenie do dom\u00e1cnosti. <\/p>\n\n\n\n<p>Je ve\u013ek\u00e1 \u0161koda, \u017ee <strong>drviv\u00e1 v\u00e4\u010d\u0161ina Slov\u00e1kov uva\u017euje presne opa\u010dne<\/strong> a najsk\u00f4r sa s\u00fastred\u00ed na nap\u013a\u0148anie kr\u00e1tkodob\u00fdch finan\u010dn\u00fdch cie\u013eov, aj ke\u010f na nich re\u00e1lne nem\u00e1 dostatok prostriedkov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i20_smerujte_do_svojich_dlhodobch_aktv\">20% smerujte do svojich dlhodob\u00fdch akt\u00edv<\/h3>\n\n\n\n<p>Ako na to? <strong>Rozde\u013ete si svoje dlhodob\u00e9 akt\u00edva na 2 z\u00e1kladn\u00e9 piliere.<\/strong> Prv\u00fdm by mala by\u0165 dlhodob\u00e1 ochrana pred v\u00fdpadkom pr\u00edjmu formou vhodne zvolen\u00e9ho \u017eivotn\u00e9ho poistenia.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><!-- wp:paragraph --><\/p>\n<p><strong>\u017divotn\u00e9 poistenie toti\u017e chr\u00e1ni poisten\u00e9ho<\/strong> a aj jeho najbli\u017e\u0161\u00edch pred z\u00e1va\u017en\u00fdmi nepredv\u00eddate\u013en\u00fdmi udalos\u0165ami, ako napr\u00edklad dlhodob\u00e1 pr\u00e1ceneschopnos\u0165 \u010di nebodaj \u00fapln\u00e1 strata zamestnania.<\/p>\n<p><!-- \/wp:paragraph --> <!-- wp:paragraph --><\/p>\n<p>V pr\u00edpade ak m\u00e1 \u010dlovek <strong>zabezpe\u010den\u00e9 \u017eivotn\u00e9 poistenie<\/strong>, dok\u00e1\u017ee sa \u00fa\u010dinne vo\u010di tak\u00fdmto ran\u00e1m br\u00e1ni\u0165.<\/p>\n<p><!-- \/wp:paragraph --><\/p><\/div>\n\n\n<p>Netreba v\u0161ak zab\u00fada\u0165 ani na d\u00f4chodkov\u00e9 sporenie, ktor\u00fdm si e\u0161te pred samotn\u00fdm odchodom do d\u00f4chodku dok\u00e1\u017eete zabezpe\u010di\u0165 aspo\u0148 ur\u010dit\u00fd \u017eivotn\u00fd \u0161tandard a nebudete sa tak spolieha\u0165 len na \u0161t\u00e1tom vypl\u00e1can\u00e9 d\u00f4chodky. <\/p>\n\n\n\n<p>Najvhodnej\u0161ie by bolo, ak by ste si <strong>spr\u00e1vne d\u00f4chodkov\u00e9 zabezpe\u010denie<\/strong> vybrali e\u0161te dnes a zbyto\u010dne ne\u010dakali.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i30_si_pripravte_na_very\">30% si pripravte na \u00favery<\/h3>\n\n\n\n<p>V\u00fd\u0161ka va\u0161ich finan\u010dn\u00fdch z\u00e1v\u00e4zkov vo forme <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">\u00faverov<\/a> by <strong>za \u017eiadnych okolnost\u00ed nemala presiahnu\u0165 30% va\u0161ich pr\u00edjmov. <\/strong>Dbajte v\u0161ak na to, \u017ee ide o maxim\u00e1lny, nie odpor\u00fa\u010dan\u00fd podiel. <\/p>\n\n\n\n<p>M\u00e1me na mysli predov\u0161etk\u00fdm \u00favery spojen\u00e9 s financovan\u00edm b\u00fdvania, nie r\u00fdchle p\u00f4\u017ei\u010dky, ktor\u00e9 by vo finan\u010dne zdravej dom\u00e1cnosti ani nemali ma\u0165 svoje miesto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i40_na_priamu_spotrebu\">40% na priamu spotrebu<\/h3>\n\n\n\n<p>M\u00e1me na mysli <strong>ka\u017edodenn\u00fa spotrebu a v\u00fddavky na stravu,<\/strong> cestovanie a vo\u013en\u00fd \u010das. Najefekt\u00edvnej\u0161\u00edm sp\u00f4sobom, ako t\u00fato hladinu udr\u017ea\u0165 pod kontrolou je <a href=\"https:\/\/financer.sk\/top-aplikacie-spravca-financii\/\">mobiln\u00e1 aplik\u00e1cia na spr\u00e1vu osobn\u00fdch financi\u00ed<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Ak zist\u00edte, \u017ee ste svoje limity stanoven\u00e9 pre konkr\u00e9tny mesiac prekro\u010dili, v\u00fddavky po\u010das zvy\u0161n\u00fdch dn\u00ed sa sna\u017ete regulova\u0165 tak, aby ste na konci mesiaca neboli v strate a ak predsa len \u00e1no, tak v minim\u00e1lnej.<\/p><\/div>\n\n\n<p><strong>Zn\u00ed\u017eenie be\u017enej spotreby<\/strong>, ktorej celkov\u00fa v\u00fd\u0161ku si \u010dasto ani neuvedomujeme, <strong>je d\u00f4le\u017eit\u00fdm krokom k zabezpe\u010deniu zdrav\u0161ej finan\u010dnej kond\u00edcie<\/strong>.<\/p>\n\n\n\n<p>M\u00f4\u017ee sa sta\u0165, \u017ee ste odporcom mobiln\u00fdch aplik\u00e1ci\u00ed a neradi si svoje v\u00fddavky zaznamen\u00e1vate tak\u00fdmto sp\u00f4sobom. Nez\u00fafajte, mysleli sme na v\u00e1s. <\/p>\n\n\n\n<p>Pre v\u0161etk\u00fdch st\u00fapencov klasick\u00fdch tabuliek sme pripravili <strong>jednoduch\u00fa, intuit\u00edvnu tabu\u013eku pre spr\u00e1vu mesa\u010dn\u00e9ho rozpo\u010dtu<\/strong>, kde bez probl\u00e9mov dok\u00e1\u017eete zaznamen\u00e1va\u0165 svoje mesa\u010dn\u00e9 v\u00fddavky, sta\u010d\u00ed odklada\u0165 pokladni\u010dn\u00e9 bloky.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/08\/Osobny_rozpocet.xlsx\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  rel=\"nofollow\">Chcem tabu\u013eku pre rozpo\u010det<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Finann_gramotnos_na_Slovensku\">Finan\u010dn\u00e1 gramotnos\u0165 na Slovensku<\/h2>\n\n\n\n<p>Pod\u013ea prieskumu od\u00a0<a href=\"https:\/\/financer.sk\/spolocnost\/postova-banka\/\">Po\u0161tovej banky<\/a>\u00a0s\u00fa finan\u010dn\u00e9 znalosti a schopnos\u0165 orientova\u0165 sa vo svete financi\u00ed Slov\u00e1kov st\u00e1le pod priemerom Eur\u00f3pskej \u00fanie. Najhor\u0161ia je na tom skuto\u010dnos\u0165, \u017ee pod\u013ea tohto prieskumu si\u00a0<strong>a\u017e 80% op\u00fdtan\u00fdch Slov\u00e1kov mysl\u00ed, \u017ee peniazom rozumej\u00fa.<\/strong><\/p>\n\n\n\n<p>V\u00fdsledky prieskumu v\u0161ak jasne nazna\u010duj\u00fa trend. Bez oh\u013eadu na vekov\u00fa skupinu v\u00e4\u010d\u0161ina op\u00fdtan\u00fdch v teste prepadla.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>V\u00a0teste v\u0161ak prepadli, a\u00a0to bez oh\u013eadu na vek \u010di ekonomick\u00fa aktivitu opytovan\u00fdch. Viac si veria mu\u017ei a\u00a0\u013eudia v\u00a0produkt\u00edvnom veku. <strong data-rich-text-format-boundary=\"true\">Vedomosti v\u00a0oblasti financi\u00ed pritom ovplyv\u0148uj\u00fa \u017eivot ka\u017ed\u00e9ho z\u00a0n\u00e1s, <\/strong>na\u0161u bud\u00facnos\u0165, ako aj bud\u00facnos\u0165 na\u0161ich det\u00ed.<\/p><\/div>\n\n\n<p>Uk\u00e1zalo sa, \u017ee hoci s\u00fa v\u00e4\u010d\u0161ine Slov\u00e1kov ekonomick\u00e9 term\u00edny cudzie a nerozumej\u00fa im, takmer 39% op\u00fdtan\u00fdch ver\u00ed, \u017ee s\u00fa\u010dasnos\u0165 praje\u00a0<a href=\"https:\/\/financer.sk\/sporenie\/sporiaci-ucet\/\">sporeniu.<\/a>\u00a0Rodi\u010dia sa sna\u017eia odklada\u0165 peniaze predov\u0161etk\u00fdm na bud\u00facnos\u0165 a lep\u0161ie vzdelanie pre svoje ratolesti.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Deti_a_finann_gramotnos\">Deti a finan\u010dn\u00e1 gramotnos\u0165<\/h3><p>Ur\u010dite sa zhodneme, \u017ee<strong> peniaze by nemali by\u0165 tabu ani pre deti.<\/strong> Nikdy nie je pr\u00edli\u0161 skoro za\u010da\u0165 ich u\u010di\u0165 z\u00e1klady finan\u010dnej gramotnosti. Toto u\u010denie m\u00f4\u017eete napr\u00edklad zakomponova\u0165 do hry. Viac sa dozviete v na\u0161om \u010dl\u00e1nku o<a href=\"https:\/\/financer.sk\/blog\/financna-gramotnost-a-deti\/\"> finan\u010dnej gramotnosti pre deti.<\/a><\/p><\/div>\n\n\n<p>Smutn\u00fdm faktom pod\u013ea prieskumu zost\u00e1va, \u017ee na\u0161a finan\u010dn\u00e1 situ\u00e1cia zostala rovnak\u00e1, ako minul\u00fd rok a nem\u00e1me pocit, \u017ee by sa zmenila \u010do i len o trochu k lep\u0161iemu. <\/p>\n\n\n\n<p>Aj napriek pomerne n\u00edzkym mzd\u00e1m v prieskume prekvapila odpove\u010f, \u010di\u00a0<strong>s\u00fa Slov\u00e1ci schopn\u00ed odklada\u0165 si<\/strong>\u00a0na mesa\u010dnej b\u00e1ze aspo\u0148 ur\u010dit\u00fa \u010diastku zo svojho pr\u00edjmu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Ka\u017ed\u00fd mesiac si nie\u010do odlo\u017e\u00ed z\u00a0v\u00fdplaty 61 % Slov\u00e1kov. V\u00a0priemere je to suma 131 eur, \u010do je prekvapivo vysok\u00e9 \u010d\u00edslo.<\/p>\n<p>Na druhej strane,\u00a0<strong>28 % \u013eud\u00ed si \u0161etr\u00ed doma \u201edo pono\u017eiek\u201c<\/strong>\u00a0a teda bez toho, aby svoje nahromaden\u00e9 \u00faspory akoko\u013evek zhodnocovali. Tak\u00e9to nar\u00e1banie s\u00a0peniazmi je, bohu\u017eia\u013e, vysoko neefekt\u00edvne.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"alie_tipy_pre_lepiu_finann_gramotnos\">\u010eal\u0161ie tipy pre lep\u0161iu finan\u010dn\u00fa gramotnos\u0165<\/h2>\n\n\n\n<p>Okrem spr\u00e1vne nastaven\u00fdch finan\u010dn\u00fdch mier existuje viacero tipov, ako \u00faspe\u0161ne zvl\u00e1dnu\u0165 <a href=\"https:\/\/financer.sk\/osobne-financie\/\">osobn\u00e9 financie, <\/a>dosta\u0165 ich pod kontrolu a lep\u0161ie im porozumie\u0165. Dobr\u00fdm rozhodnut\u00edm m\u00f4\u017ee by\u0165 \u0161etrenie na spr\u00e1vnych miestach. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><ul>\n<li><strong>Vyu\u017e\u00edvajte\u00a0<\/strong><a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/\">finan\u010dn\u00e9 kalkula\u010dky<\/a>. Dobr\u00fdm krokom k lep\u0161ej finan\u010dnej gramotnosti je vyu\u017e\u00edvanie finan\u010dn\u00fdch kalkula\u010diek zameran\u00fdch napr\u00edklad na v\u00fd\u0161ku spl\u00e1tok, mieru \u00farokov alebo \u0161peci\u00e1lny zdvojen\u00fd \u00farok<\/li>\n<li><strong>Automatizujte svoje v\u00fddavky.\u00a0<\/strong>Mo\u017eno to znie ako banalita, ale pokia\u013e automatizujete svoje bankov\u00e9 platby viazan\u00e9 k ur\u010dit\u00e9mu d\u0148u, budete m\u00f4c\u0165 vypusti\u0165 z hlavy desa\u0165 r\u00f4znych d\u00e1tumov va\u0161ich spl\u00e1tok. Len nezabudnite ma\u0165 na \u00fa\u010dte v\u017edy dostatok pe\u0148az\u00ed.<\/li>\n<li><strong>Nau\u010dte sa menej utr\u00e1ca\u0165.\u00a0<\/strong>Tento krok priamo s\u00favis\u00ed so zvl\u00e1dnut\u00edm sledovania a dodr\u017eiavania stanoven\u00e9ho mesa\u010dn\u00e9ho rozpo\u010dtu. Pokia\u013e to zvl\u00e1dnete, dok\u00e1\u017eete si r\u00fdchlej\u0161ie uvedomi\u0165, kam zbyto\u010dne odtekaj\u00fa va\u0161e peniaze a postupne zni\u017eova\u0165 ich spotrebu.<\/li>\n<\/ul><\/div>\n\n\n<p>Ak h\u013ead\u00e1te <a href=\"https:\/\/financer.sk\/osobne-financie\/ako-usetrit-peniaze\/\">tipy, ako \u0161etri\u0165<\/a>, pon\u00fakame v\u00e1m 175 r\u00f4znorod\u00fdch tipov roztrieden\u00fdch do preh\u013eadn\u00fdch kateg\u00f3ri\u00ed, ktor\u00e9 v\u00e1m v tom pom\u00f4\u017eu.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"800\" height=\"1882\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview.png\" alt=\"Slovakia-Loan-Overview\" class=\"wp-image-4598\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview-128x300.png 128w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview-435x1024.png 435w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview-768x1807.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/10\/slovakia-loan-overview-653x1536.png 653w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>","protected":false},"author":87,"featured_media":78624,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1],"_links":{"self":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/2147"}],"collection":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/comments?post=2147"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/2147\/revisions"}],"predecessor-version":[{"id":79181,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/2147\/revisions\/79181"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78624"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=2147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=2147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}