{"id":2383,"date":"2018-12-13T13:26:46","date_gmt":"2018-12-13T13:26:46","guid":{"rendered":"https:\/\/financer.sk\/?page_id=2383"},"modified":"2024-09-19T17:05:52","modified_gmt":"2024-09-19T15:05:52","slug":"rodinny-rozpocet","status":"publish","type":"how_to","link":"https:\/\/financer.sk\/osobne-financie\/clanky\/rodinny-rozpocet\/","title":{"rendered":"Ako spr\u00e1vne zostavi\u0165 rodinn\u00fd rozpo\u010det?"},"content":{"rendered":"\n<p>Rodinn\u00fd rozpo\u010det <strong>je alfou a omegou zdrav\u00e9ho fungovania rodiny z finan\u010dn\u00e9ho h\u013eadiska. <\/strong>Ma\u0165 preh\u013ead o vlastn\u00fdch v\u00fddavkoch a o tom, kam sa ka\u017ed\u00fd mesiac tak r\u00fdchlo rozkot\u00fa\u013eaj\u00fa, v\u00e1m v bud\u00facnosti pom\u00f4\u017ee.<\/p>\n\n\n\n<p>Dnes v\u00e1m uk\u00e1\u017eeme, ak\u00e9 s\u00fa <strong>hlavn\u00e9 v\u00fdhody vedenia rodinn\u00e9ho rozpo\u010dtu<\/strong>, ako ho spr\u00e1vne zostavi\u0165 a\u00a0predstav\u00edme v\u00e1m u\u017eito\u010dn\u00e9 tipy, ktor\u00e9 v\u00e1m pom\u00f4\u017eu nie len udr\u017eiava\u0165 v\u00e1\u0161 rodinn\u00fd rozpo\u010det v\u00a0zelen\u00fdch \u010d\u00edslach, ale v\u00a0bud\u00facnosti v\u00e1m m\u00f4\u017eu prinies\u0165 ove\u013ea viac v\u00fdhod. Na z\u00e1ver predstav\u00edme <strong>ide\u00e1lny mesa\u010dn\u00fd rozpo\u010det dom\u00e1cnosti<\/strong>.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o_je_to_rodinn_rozpoet\">\u010co je to rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Jednoducho povedan\u00e9: pod pojmom rodinn\u00fd rozpo\u010det si m\u00f4\u017eeme predstavi\u0165 <strong>pl\u00e1n finan\u010dn\u00e9ho hospod\u00e1renia dom\u00e1cnosti<\/strong>.<\/p>\n\n\n\n<p>Vytvorenie a\u00a0<strong>n\u00e1sledn\u00e9 dlhodob\u00e9 udr\u017eiavanie rodinn\u00e9ho rozpo\u010dtu<\/strong> znamen\u00e1, \u017ee lep\u0161ie spozn\u00e1te svoje pr\u00edjmy a v\u00fddavky dom\u00e1cnosti, z\u00edskate v\u00e4\u010d\u0161iu kontrolu nad finan\u010dnou situ\u00e1ciou va\u0161ej rodiny a\u00a0v\u00fdrazne zn\u00ed\u017eite riziko zbyto\u010dn\u00fdch v\u00fddavkov \u010di pr\u00edpadn\u00e9ho zadl\u017eovania.<\/p>\n\n\n\n<p>Pomocou spr\u00e1vne nastaven\u00e9ho mesa\u010dn\u00e9ho rodinn\u00e9ho rozpo\u010dtu dom\u00e1cnosti tak hravo n\u00e1jdete mo\u017eno na prv\u00fd poh\u013ead nevidite\u013en\u00e9 zdroje pre <a href=\"https:\/\/financer.sk\/ako-na-to\/financna-rezerva\/\">rezervy<\/a> a\u00a0<a href=\"https:\/\/financer.sk\/sporenie\/\">\u00faspory<\/a>, \u010do v\u00e1m pom\u00f4\u017ee lep\u0161ie sa pripravi\u0165 na ne\u010dakan\u00e9 v\u00fddavky.\u00a0<\/p>\n\n\n\n<p>V nasleduj\u00facich riadkoch si uk\u00e1\u017eeme, <strong>ako za\u010da\u0165 s evidenciou rodinn\u00e9ho rozpo\u010dtu<\/strong>, ak\u00e9 s\u00fa jeho v\u00fdhody a ak\u00e9 n\u00e1stroje v\u00e1m m\u00f4\u017eu v\u00fdrazne pom\u00f4c\u0165 pri jeho dodr\u017eiavan\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Vhody_rodinnho_rozpotu\">V\u00fdhody rodinn\u00e9ho rozpo\u010dtu<\/h3><li><p>Preh\u013ead v rodinn\u00fdch financi\u00e1ch<\/p>\n<\/li><li><p>Lep\u0161ie pl\u00e1novanie bud\u00facnosti<\/p>\n<\/li><li><p>Postupn\u00e9 vytv\u00e1ranie finan\u010dnej rezervy<\/p>\n<\/li><li><p>\u0160etrenie pe\u0148az\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_evidova_prjmy_a_vdavky_domcnosti\">Ako evidova\u0165 pr\u00edjmy a v\u00fddavky dom\u00e1cnosti?<\/h2>\n\n\n\n<p>Existuje nieko\u013eko osved\u010den\u00fdch sp\u00f4sobov, ktor\u00fdmi m\u00f4\u017eete \u013eahko <strong>zaznamen\u00e1va\u0165 v\u0161etky svoje pr\u00edjmy a v\u00fddavky.<\/strong><\/p>\n\n\n\n<p>Medzi najpou\u017e\u00edvanej\u0161ie zara\u010fujeme <a href=\"https:\/\/financer.sk\/top-aplikacie-spravca-financii\/\">mobiln\u00e9 aplik\u00e1cie pre spr\u00e1vu rozpo\u010dtu<\/a>. St\u00e1le sa v\u0161ak medzi nami n\u00e1jdu \u013eudia, ktor\u00ed nedaj\u00fa dopusti\u0165 na star\u00e9 dobr\u00e9 tabu\u013eky a uprednost\u0148uj\u00fa <strong>rodinn\u00fd rozpo\u010det v exceli, <\/strong>alebo dokonca na klasick\u00e9 pero a papier.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Aplikcie_pre_sprvu_rozpotu\">Aplik\u00e1cie pre spr\u00e1vu rozpo\u010dtu<\/h3><p>Aplik\u00e1cie pre spr\u00e1vu rozpo\u010dtu predstavuj\u00fa \u00fa\u010dinn\u00fd sp\u00f4sob, ako z\u00edska\u0165 preh\u013ead vo vlastn\u00fdch financi\u00e1ch.\u00a0<strong>Pozrite sa na v\u00fdber najlep\u0161\u00edch aplik\u00e1ci\u00ed pre spr\u00e1vu rozpo\u010dtu a vyberte si.<\/strong><\/p>\n<p><a href=\"https:\/\/financer.sk\/top-aplikacie-spravca-financii\/\">Pozrie\u0165 rebr\u00ed\u010dek<\/a><\/p><\/div>\n\n\n<p>Na to, aby ste mohli za\u010da\u0165 evidova\u0165 svoje pr\u00edjmy a v\u00fddavky a dok\u00e1za\u0165 si tak vies\u0165 \u010di u\u017e osobn\u00fd alebo rodinn\u00fd rozpo\u010det, potrebujete <strong>na konci ka\u017ed\u00e9ho d\u0148a nezab\u00fada\u0165 na evidenciu pr\u00edjmov a v\u00fddavkov.<\/strong><\/p>\n\n\n\n<p>Mus\u00edte by\u0165 vytrval\u00ed. <strong>Mo\u017eno sa v\u00e1m to po\u010das prv\u00fdch mesiacov bude zda\u0165 ako otrava<\/strong>, \u010dasom v\u0161ak zist\u00edte, \u017ee tieto zaznamen\u00e1vania maj\u00fa zmysel a postupne za\u010dnete rozumie\u0165 va\u0161im rodinn\u00fdm financi\u00e1m. <\/p>\n\n\n\n<p>Ak nie ste fan\u00fa\u0161ikom mobiln\u00fdch aplik\u00e1ci\u00ed, pripravili sme pre v\u00e1\u0161 <a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/12\/Rodinny_rozpocet.xlsx\">rodinn\u00fd rozpo\u010det tabu\u013eku<\/a>.<\/p>\n\n\n\n<ul class=\"list-pages\"><li class=\"page-list__item\"><a href=\"https:\/\/financer.sk\/osobne-financie\/ako-usetrit-peniaze\/\" rel=\"bookmark\" title=\"Ako u\u0161etri\u0165 peniaze\">Ako u\u0161etri\u0165 peniaze<\/a><\/li><\/ul>\n\n\n\n<p>Sta\u010d\u00ed, ak si v\u017edy spolo\u010dne s va\u0161ou polovi\u010dkou pred koncom mesiaca alebo pred v\u00fdplatou vyhrad\u00edte tridsa\u0165 min\u00fat v\u00e1\u0161ho \u010dasu, za\u010dnete sumarizova\u0165 \u010do v\u00e1s po\u010das najbli\u017e\u0161\u00edch 30 dn\u00ed \u010dak\u00e1 a zap\u00ed\u0161ete to do tabu\u013eky.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"795\" height=\"669\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min.png\" alt=\"osobny-rozpocet-financer-min\" class=\"wp-image-3705\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min.png 795w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min-300x252.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min-768x646.png 768w\" sizes=\"(max-width: 795px) 100vw, 795px\" \/><figcaption class=\"wp-element-caption\">Tabu\u013eka pre spr\u00e1vu rozpo\u010dtu od Financer.sk<\/figcaption><\/figure><\/div>\n\n\n<p>Postupne<strong> z\u00edskate preh\u013ead o va\u0161om rodinnom finan\u010dnom rozpo\u010dte<\/strong> a budete sa tak m\u00f4c\u0165 zodpovednej\u0161ie pripravi\u0165 na v\u0161etky bud\u00face v\u00fddavky a z\u00e1v\u00e4zky, ktor\u00e9 na v\u00e1s \u010dakaj\u00fa, ako napr\u00edklad \u0161kolsk\u00fd v\u00fdlet va\u0161ich det\u00ed alebo len rodinn\u00e1 oslava naroden\u00edn.<\/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\/12\/Rodinny_rozpocet.xlsx\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  rel=\"nofollow\">Chcem tabu\u013eku od Financer.sk<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_si_zostavi_rodinn_rozpoet\">Ako si zostavi\u0165 rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Pri tvorbe rodinn\u00e9ho rozpo\u010dtu je potrebn\u00e9 zachov\u00e1va\u0165 ur\u010dit\u00fa postupnos\u0165. Iba tak si budete na konci ka\u017ed\u00e9ho mesiaca ist\u00ed, \u017ee rozpo\u010det zobrazuje va\u0161u skuto\u010dn\u00fa finan\u010dn\u00fa situ\u00e1ciu bez prikr\u00e1\u0161len\u00ed a polopr\u00e1vd. <strong>Tvorba finan\u010dn\u00e9ho rozpo\u010dtu krok za krokom by mala vyzera\u0165 nasledovne<\/strong>:<\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Sumarizcia_vetkch_istch_prjmov\">1. Sumariz\u00e1cia v\u0161etk\u00fdch \u010dist\u00fdch pr\u00edjmov<\/h3>\n\n\n\n<p>Logicky, na za\u010diatku by sme mali ma\u0165 jasn\u00fd <strong>zoznam v\u0161etk\u00fdch na\u0161ich \u010dist\u00fdch mesa\u010dn\u00fdch pr\u00edjmov<\/strong>. Okrem v\u00fdplaty sem m\u00f4\u017eeme zaradi\u0165 zisk z n\u00e1jomn\u00e9ho, pr\u00e9mie, soci\u00e1lne d\u00e1vky a podobne. Ak niektor\u00fd z va\u0161ich pr\u00edjmov je v\u00e1m vypl\u00e1can\u00fd napr\u00edklad raz \u0161tvr\u0165ro\u010dne, rozr\u00e1tajte si ho na mesa\u010dn\u00fd pr\u00edjem.<\/p>\n\n\n\n<p>N\u00e1sledne, po s\u010d\u00edtan\u00ed v\u0161etk\u00fdch pr\u00edjmov v\u00e1s a va\u0161ej polovi\u010dky pred sebou m\u00e1te <strong>kompletn\u00fa mesa\u010dn\u00fa pr\u00edjmov\u00fa str\u00e1nku rozpo\u010dtu<\/strong> ur\u010duj\u00facu va\u0161e maxim\u00e1lne v\u00fddavky a sumu, ktor\u00fa by ste nemali za \u017eiadnych okolnost\u00ed prekro\u010di\u0165, pokia\u013e nechcete \u017ei\u0165 na dlh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Sumarizcia_vetkch_vdavkov\">2. Sumariz\u00e1cia v\u0161etk\u00fdch v\u00fddavkov<\/h3>\n\n\n\n<p>Po zvl\u00e1dnut\u00ed pr\u00edjmovej \u010dasti rodinn\u00e9ho rozpo\u010dtu prejdite na v\u00fddavky. Vytvorte si \u010do najpresnej\u0161\u00ed zoznam v\u0161etk\u00e9ho, na \u010do obvykle vynaklad\u00e1te svoje peniaze. Nezabudnite na <strong>pravideln\u00e9 mesa\u010dn\u00e9 platby<\/strong> za plyn, vodu, elektrinu \u010di mobiln\u00e9 telef\u00f3ny a internet.<\/p>\n\n\n\n<p>Druhou polo\u017ekou by mali by\u0165 poplatky za finan\u010dn\u00e9 z\u00e1v\u00e4zky ako spl\u00e1tka <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>, \u010di <a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00e9ho \u00faveru<\/a> alebo <a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditnej karty<\/a>. Samostatnou kateg\u00f3riou s\u00fa mimoriadne a nepravideln\u00e9 v\u00fddavky za kult\u00farny \u017eivot, \u0161port \u010di nakupovanie oble\u010denia.<\/p>\n\n\n\n<p>Ak zr\u00e1tate v\u0161etky tieto polo\u017eky, preh\u013eadne uvid\u00edte, ko\u013eko mesa\u010dne miniete.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Rozdiel_medzi_prjmami_a_vdavkami\">3. Rozdiel medzi pr\u00edjmami a v\u00fddavkami<\/h3>\n\n\n\n<p>V nasleduj\u00facom bode prejdite k <strong>porovnaniu v\u00fd\u0161ky pr\u00edjmov a v\u00fddavkov<\/strong>. Rodinn\u00fd rozpo\u010det m\u00f4\u017ee by\u0165 dlhodobo prosperuj\u00faci iba v pr\u00edpade, \u017ee budete dodr\u017eiava\u0165 jednoduch\u00e9 pravidlo:<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><em>&#8220;Peniaze, ktor\u00e9 do dom\u00e1cnosti prich\u00e1dzaj\u00fa (pr\u00edjmy), musia by\u0165 vy\u0161\u0161ie, alebo sa rovna\u0165 peniazom, ktor\u00e9 z dom\u00e1cnosti odch\u00e1dzaj\u00fa (v\u00fddavky).&#8221;<\/em><\/p><\/div>\n\n\n<p>Ak sa v\u00e1m podar\u00ed<strong> tri mesiace po sebe zakon\u010di\u0165 mesiac v zelen\u00fdch \u010d\u00edslach, <\/strong>ste na spr\u00e1vnej ceste k vytv\u00e1raniu finan\u010dn\u00fdch rezerv a \u00faspor. Ak je v\u0161ak situ\u00e1cia opa\u010dn\u00e1, mus\u00edte sa \u010do najsk\u00f4r uskromni\u0165 a zn\u00ed\u017ei\u0165 v\u00fddavky, respekt\u00edve uva\u017eova\u0165 nad t\u00fdm, ako zv\u00fd\u0161i\u0165 svoj pr\u00edjem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Prehodnotenie_vdavkov\">4. Prehodnotenie v\u00fddavkov<\/h3>\n\n\n\n<p>Ako spr\u00e1vne prehodnoti\u0165 va\u0161e v\u00fddavky tak, aby ste udr\u017eali rodinn\u00fd rozpo\u010det v spr\u00e1vnej kond\u00edcii? <strong>Niekedy sta\u010d\u00ed rozdeli\u0165 v\u00fddavky na nevyhnutn\u00e9<\/strong> (n\u00e1jomn\u00e9, energie, doprava) a ved\u013eaj\u0161ie (\u0161port, kult\u00fara, z\u00e1bava, stravovanie v re\u0161taur\u00e1ci\u00e1ch)<\/p>\n\n\n\n<p><strong>Sna\u017ete sa n\u00e1js\u0165 vo svojich v\u00fddavkoch syst\u00e9m, <\/strong>nerozhadzova\u0165 peniaze bez\u00fa\u010delovo a nau\u010dte sa, \u017ee \u0161tvr\u0165ro\u010dn\u00e9, polro\u010dn\u00e9 alebo ro\u010dn\u00e9 platby dopredu (napr\u00edklad za predplatn\u00e9) s\u00fa z dlhodob\u00e9ho h\u013eadiska v\u00fdhodnej\u0161ie a bolia iba raz a to v dan\u00fd mesiac, ke\u010f ich zaplat\u00edte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Zadajte_si_realistick_ciele\">5. Zadajte si realistick\u00e9 ciele<\/h3>\n\n\n\n<p>Po tom, ako si urob\u00edte preh\u013ead vo va\u0161ich pr\u00edjmoch a v\u00fddavkoch, a z\u00e1rove\u0148 ich prehodnot\u00edte, <strong>m\u00f4\u017eete si n\u00e1sledne stanovi\u0165 ciele.<\/strong> Ciele by mali by\u0165 realistick\u00e9, tak aby ste ich aj dok\u00e1zali splni\u0165. <\/p>\n\n\n\n<p>V prvom rade <strong>by ste si mali stanovi\u0165 v\u00fd\u0161ku rozpo\u010dtu,<\/strong> ktor\u00e1 by mala odr\u00e1\u017ea\u0165 po\u010det \u010dlenov va\u0161ej dom\u00e1cnosti, finan\u010dn\u00e9 z\u00e1v\u00e4zky (hypot\u00e9ka, \u00favery, poistenie, n\u00e1jom a podobne) a pl\u00e1novan\u00e9 v\u00fddavky, s ktor\u00fdmi je nutn\u00e9 v rozpo\u010dte po\u010d\u00edta\u0165. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i6_Aktualizcia_a_kontrola\">6. Aktualiz\u00e1cia a kontrola<\/h3>\n\n\n\n<p>Na z\u00e1ver jednoduch\u00e1 rada. <strong>Nezabudnite na pravideln\u00fa aktualiz\u00e1ciu a kontrolu rozpo\u010dtu<\/strong>. Sna\u017ete sa z vytv\u00e1rania rodinn\u00e9ho rozpo\u010dtu urobi\u0165 rodinn\u00fa rutinu a zaistite, aby rozpo\u010det zoh\u013ead\u0148oval va\u0161e skuto\u010dn\u00e9 pr\u00edjmy a v\u00fddavky.<\/p>\n\n\n\n<p>Ak sa tak nestane, \u013eahko zist\u00edte, \u017ee realita je niekde \u00faplne inde ako papier, ktor\u00fd znesie ve\u013ea. S rodinn\u00fdm rozpo\u010dtom je navy\u0161e<strong> potrebn\u00e9 neust\u00e1le pracova\u0165, <\/strong>preto\u017ee ceny za energie, potraviny a \u010fal\u0161ie be\u017en\u00e9 veci sa neust\u00e1le menia.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Chyby_pri_spravovan_rodinnho_rozpotu\">Chyby pri spravovan\u00ed rodinn\u00e9ho rozpo\u010dtu<\/h3><p><strong>Spravovanie rodinn\u00e9ho rozpo\u010dtu je jednoduch\u00e9, chce to len prax a vyvarova\u0165 sa naj\u010dastej\u0161\u00edm chyb\u00e1m,<\/strong> ktor\u00e9 \u013eudia pri spravovan\u00ed rodinn\u00e9ho rozpo\u010dtu robia.<\/p>\n<p>Prvou je zl\u00e9 klasifikovanie ne\u010dakan\u00fdch v\u00fddavkov, ako s\u00fa napr\u00edklad Vianoce, narodeniny, svadby a podobne. \u010castokr\u00e1t o tak\u00fdchto udalostiach vieme sk\u00f4r, preto na ne treba pripravi\u0165 aj v\u00e1\u0161 rodinn\u00fd rozpo\u010det.<\/p>\n<p>Taktie\u017e by ste<strong> v \u017eiadnom pr\u00edpade nemali navy\u0161ova\u0165 va\u0161e o\u010dak\u00e1van\u00e9 v\u00fddavky<\/strong>. Ak si teda stanov\u00edte, \u017ee nak\u00fapite dar\u010deky za 500 eur, mali by ste to aj dodr\u017ea\u0165.<\/p>\n<p>Poslednou chybou, ktor\u00fa \u013eudia \u010dasto robia je, \u017ee vo svojom rodinnom rozpo\u010dte po\u010d\u00edtaj\u00fa s pr\u00edjmami, ktor\u00e9 nie s\u00fa ist\u00e9. Rodinn\u00fd rozpo\u010det by ste mali v\u017edy spravova\u0165 realisticky.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_spravova_rodinn_rozpoet\">Ako spravova\u0165 rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Mo\u017eno si vrav\u00edte, \u017ee v\u0161etky tieto teoretick\u00e9 pou\u010dky vyzeraj\u00fa pekne, no v praxi neviete ako a \u010do presne urobi\u0165, aby ste dostali svoj rodinn\u00fd rozpo\u010det pod kontrolu.<\/p>\n\n\n\n<p>Mysleli sme aj na to a pripravili sme v\u00e1m <strong>nieko\u013eko u\u017eito\u010dn\u00fdch tipov<\/strong>, s ktor\u00fdmi v\u00e1m to p\u00f4jde ove\u013ea jednoduch\u0161ie a r\u00fdchlej\u0161ie.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"800\" height=\"882\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2020\/05\/ako-usetrit.png\" alt=\"ako u\u0161etri\u0165\" class=\"wp-image-8262\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/13\/2020\/05\/ako-usetrit.png 800w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2020\/05\/ako-usetrit-272x300.png 272w, https:\/\/financer.global\/app\/uploads\/sites\/13\/2020\/05\/ako-usetrit-768x847.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Odkladajte_si\">Odkladajte si<\/h3>\n\n\n\n<p><strong>Sna\u017ete sa odlo\u017ei\u0165 si z ka\u017ed\u00e9ho v\u00e1\u0161ho pr\u00edjmu 10%. <\/strong>A teraz nemysl\u00edme len v\u00fdplatu, ale aj pr\u00eddavky na deti, preplatok za elektrinu alebo n\u00e1jomn\u00e9 za gar\u00e1\u017e, ktor\u00fa prenaj\u00edmate svojmu priate\u013eovi. <\/p>\n\n\n\n<p><strong>Nezabudnite ani\u00a0na va\u0161e deti<\/strong> a u\u017e od \u00fatleho veku sa u nich sna\u017ete vybudova\u0165 zodpovednos\u0165 k vlastn\u00fdm peniazom. Najprv im uk\u00e1\u017ete, ako si odklada\u0165 do pokladni\u010dky a nesk\u00f4r, ke\u010f podrast\u00fa, im zalo\u017ete detsk\u00fd sporiaci \u00fa\u010det.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Zbavte_sa_dlhov\">Zbavte sa dlhov<\/h3>\n\n\n\n<p>Dlhy s\u00fa ve\u013emi nepr\u00edjemn\u00e1 z\u00e1le\u017eitos\u0165. Spl\u00e1cate <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ku<\/a>, dva<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\"> spotrebn\u00e9 \u00favery<\/a>, m\u00e1te povolen\u00e9 pre\u010derpanie na \u00fa\u010dte a <a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditn\u00fa kartu<\/a>? Stav\u00edme sa, \u017ee zbyto\u010dne prepl\u00e1cate. Mo\u017eno je najvy\u0161\u0161\u00ed \u010das za\u010da\u0165 uva\u017eova\u0165 nad refinancovan\u00edm alebo konsolid\u00e1ciou va\u0161ich finan\u010dn\u00fdch z\u00e1v\u00e4zkov.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/pozicky\/refinancovanie-uveru\/\">Refinancovan\u00edm<\/a> dostanete v\u00e1\u0161 rodinn\u00fd rozpo\u010det pod kontrolu ove\u013ea r\u00fdchlej\u0161ie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Neplate_za_et_v_banke\">Nepla\u0165te za \u00fa\u010det v banke<\/h3>\n\n\n\n<p>Dnes je to pre\u017eitok. Skuto\u010dne. Plati\u0165 za to, \u017ee m\u00e1te vo va\u0161ej vlastnej banke veden\u00fd \u00fa\u010det, na ktor\u00fd v\u00e1m mesa\u010dne prich\u00e1dza ur\u010dit\u00fd obnos pe\u0148az\u00ed? <strong>Je to \u00fapln\u00e1 zbyto\u010dnos\u0165. <\/strong><\/p>\n\n\n\n<p>Banky s\u00edce dnes pon\u00fakaj\u00fa r\u00f4zne \u00fa\u013eavy a z\u013eavy z poplatkov napr\u00edklad na \u0161tudentsk\u00e9 a sporiace \u00fa\u010dty, ale be\u017en\u00e9 \u00fa\u010dty s\u00fa zvy\u010dajne spoplatnen\u00e9. Pok\u00faste sa <strong>n\u00e1js\u0165 tak\u00fd be\u017en\u00fd \u00fa\u010det, za ktor\u00fd nemus\u00edte plati\u0165 <\/strong>a v\u00e1\u0161 rodinn\u00fd rozpo\u010det sa v\u00e1m po\u010fakuje.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip_Neplate_za_ben_et_v_banke\">Tip: Nepla\u0165te za be\u017en\u00fd \u00fa\u010det v banke<\/h3><p style=\"text-align: center;\">Ne\u010dakajte a zalo\u017ete si \u00faplne bezplatn\u00fd \u00fa\u010det v 365 banke a to priamo online z pohodlia domova. Zalo\u017eenie a vedenie \u00fa\u010dtu je zdarma, trv\u00e1 p\u00e1r min\u00fat a k dispoz\u00edcii m\u00e1te aj praktick\u00fa aplik\u00e1ciu do mobiln\u00e9ho telef\u00f3nu.<\/p><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.sk\/365-bank\/\"   class=\"button is-normal is-primary is-rounded is-large\">Chcem \u00fa\u010det v 365 banke <\/a>\n\t<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vyahujte_spotrebie_zo_zsuvky\">Vy\u0165ahujte spotrebi\u010de zo z\u00e1suvky<\/h3>\n\n\n\n<p>Mo\u017eno sa v\u00e1m to bude zda\u0165 neuverite\u013en\u00e9, ale po\u010d\u00edta\u010d, ktor\u00fd m\u00e1te cel\u00fd rok v z\u00e1suvke, ale pou\u017e\u00edvate ho iba v\u00fdnimo\u010dne, v\u00e1m m\u00f4\u017ee ro\u010dne z rozpo\u010dtu ukroji\u0165 <strong>a\u017e 60 EUR<\/strong>. Ak k nemu prir\u00e1tate tla\u010diare\u0148, reproduktory a in\u00e9 pr\u00edslu\u0161enstvo, pokojne sa m\u00f4\u017eete dosta\u0165 na celkov\u00fdch 80 EUR.<\/p>\n\n\n\n<p>Jednoduch\u00fdm rie\u0161en\u00edm je vy\u0165ahova\u0165 v\u0161etko elektronick\u00e9 zo z\u00e1suvky pr\u00e1ve v \u010dase, ke\u010f ho nepou\u017e\u00edvate. Vybudujte si n\u00e1vyk nezab\u00fada\u0165 na nab\u00edja\u010dky, k\u00e1vovary, pr\u00e1\u010dku \u010di in\u00e9 spotrebi\u010de.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Zamerajte_sa_na_zuby_ktor_ni_nestoja\">Zamerajte sa na z\u00e1\u013euby, ktor\u00e9 ni\u010d nestoja<\/h3>\n\n\n\n<p>Existuje viacero z\u00e1\u013eub a\u00a0vo\u013eno\u010dasov\u00fdch aktiv\u00edt, ktor\u00e9 v\u00e1\u0161 rodinn\u00fd rozpo\u010det za\u0165a\u017eia minim\u00e1lne, alebo v\u00f4bec. <\/p>\n\n\n\n<p>Sk\u00faste sa na ne zamera\u0165 z dlhodob\u00e9ho h\u013eadiska a uvid\u00edte, \u017ee svoj <strong>vo\u013en\u00fd \u010das dok\u00e1\u017eete vyu\u017ei\u0165 aj zmysluplnej\u0161ie a lacnej\u0161ie<\/strong>, akoby ste mali zbyto\u010dne investova\u0165 do drah\u0161\u00edch kon\u00ed\u010dkov.<\/p>\n\n\n\n<p>Ak si neviete rady a rozm\u00fd\u0161\u013eate, o ak\u00e9 kon\u00ed\u010dky by mohlo \u00eds\u0165, sk\u00faste sa in\u0161pirova\u0165 <a href=\"https:\/\/financer.sk\/tipy-ako-travit-volny-cas\/\">na\u0161im \u010dl\u00e1nkom<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Viac_plnujte\">Viac pl\u00e1nujte<\/h3>\n\n\n\n<p><strong>Pl\u00e1novanie je k\u013e\u00fa\u010dom k \u00faspechu vyrovnan\u00e9ho rodinn\u00e9ho rozpo\u010dtu<\/strong>. Skuto\u010dne odpor\u00fa\u010dame si aspo\u0148 na jednu hodinku mesa\u010dne sadn\u00fa\u0165 a poriadne sa zamyslie\u0165 nad t\u00fdm, \u010do v\u00e1s \u010dak\u00e1. \u0160kola v pr\u00edrode alebo t\u00e1bor pre va\u0161e ratolesti? V\u00fdro\u010die svadby s va\u0161ou drahou polovi\u010dkou? Narodeniny va\u0161ej mamy?<\/p>\n\n\n\n<p>Nezab\u00fadajte, p\u00ed\u0161te si a pl\u00e1nujte. Alebo fakt t\u00fa\u017eite po tom, \u017ee nebudete m\u00f4c\u0165 zaplati\u0165 telef\u00f3nne \u00fa\u010dty, lebo ste s rodinkou boli ne\u010dakane v kine?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Porovnvajte_a_kupujte_lacno\">Porovn\u00e1vajte a kupujte lacno<\/h3>\n\n\n\n<p>Porovn\u00e1vanie, porovn\u00e1vanie a e\u0161te raz porovn\u00e1vanie. Prakticky cel\u00fd n\u00e1\u0161 \u017eivot sa to\u010d\u00ed okolo porovn\u00e1vania a <strong>netreba na\u0148 zab\u00fada\u0165 ani pri tvorbe rodinn\u00e9ho rozpo\u010dtu<\/strong>.<\/p>\n\n\n\n<p>Ak pl\u00e1nujete n\u00e1kup finan\u010dne n\u00e1ro\u010dnej\u0161ej polo\u017eky, <strong>rozhodne nesiahnite po prvej mo\u017enosti <\/strong>len preto, \u017ee v\u00e1m to odpor\u00fa\u010dal v\u00e1\u0161 kamar\u00e1t. Odpor\u00fa\u010dania s\u00fa s\u00edce dobr\u00fdm odrazov\u00fdm most\u00edkom, no maj\u00fa v\u00e1m sk\u00f4r len dopom\u00f4c\u0165 v rozhodovan\u00ed.<\/p>\n\n\n\n<p>Jednou zo z\u00e1le\u017eitost\u00ed, ktor\u00e9 by ste mali ur\u010dite porovn\u00e1va\u0165, s\u00fa finan\u010dn\u00e9 produkty.\u00a0 My vo Financer.sk v\u00e1m pom\u00e1hame vybra\u0165 si\u00a0i z\u00a0portf\u00f3lia pon\u00fak\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlych p\u00f4\u017ei\u010diek<\/a>,\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fdch \u00faverov<\/a>,\u00a0<a href=\"https:\/\/financer.sk\/kreditna-karta\/\">kreditn\u00fdch kariet<\/a>\u00a0\u010di\u00a0<a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9k<\/a><u>.<\/u>\u00a0 Pomocou n\u00e1\u0161ho porovnania si vyberiete najlep\u0161iu ponuku u\u017e za p\u00e1r min\u00fat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Deti_a_sporenie\">Deti a sporenie<\/h3>\n\n\n\n<p>Dodr\u017eiavanie rodinn\u00e9ho rozpo\u010dtu bude ove\u013ea jednoduch\u0161ie, ak s n\u00edm bud\u00fa obozn\u00e1men\u00ed v\u0161etci \u010dlenovia va\u0161ej dom\u00e1cnosti. <strong>Netreba vynech\u00e1va\u0165 ani deti len preto, \u017ee s\u00fa e\u0161te mal\u00e9.<\/strong> Mali by \u010do najsk\u00f4r objavi\u0165 hodnotu pe\u0148az\u00ed a uvedomi\u0165 si, \u017ee rodinn\u00e9 pr\u00edjmy nie s\u00fa nekone\u010dnou stud\u0148ou bez dna.<\/p>\n\n\n\n<p>Ak dospejete do \u0161t\u00e1dia, v ktorom budete musie\u0165 zna\u010dne obmedzi\u0165 rozpo\u010det a pritiahnu\u0165 opasok, <strong>vysvetlite de\u0165om, ak\u00e9 z\u00e1va\u017en\u00e9 probl\u00e9my m\u00f4\u017eu nasta\u0165,<\/strong> pokia\u013e v\u00e1m v tom nepom\u00f4\u017eu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pozor_na_predraen_finann_produkty\">Pozor na predra\u017een\u00e9 finan\u010dn\u00e9 produkty<\/h3>\n\n\n\n<p>St\u00e1va sa, \u017ee plat\u00edme<strong> zbyto\u010dn\u00e9 poplatky bank\u00e1m tam, kde netreba. <\/strong>Pr\u00edkladom m\u00f4\u017eu by\u0165 nezmyselne vysok\u00e9 poplatky za v\u00fdbery z bankomatov, aj ke\u010f ich vieme ma\u0165 aj zadarmo. Dost\u00e1va n\u00e1s v\u0161ak na\u0161a nevedomos\u0165.<\/p>\n\n\n\n<p>Preto je dobr\u00e9 porovn\u00e1va\u0165 v\u0161etky dostupn\u00e9 alternat\u00edvy. <a href=\"https:\/\/financer.sk\/pozicky\/\">Porovnajte si svoju p\u00f4\u017ei\u010dku<\/a> a zistite, \u010di sa medzi\u010dasom na trhu neobjavilo nie\u010do nov\u00e9 a v\u00fdhodnej\u0161ie, kde m\u00f4\u017eete u\u0161etri\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Idelny_rodinn_rozpoet\">Ide\u00e1lny rodinn\u00fd rozpo\u010det<\/h2>\n\n\n\n<p>Na z\u00e1ver ot\u00e1zka. Ako by mal vyzera\u0165 <strong>ide\u00e1lny rodinn\u00fd rozpo\u010det<\/strong>? Viacero finan\u010dn\u00fdch odborn\u00edkov sa zhoduje na tom, \u017ee pre na\u0161u lep\u0161iu <a href=\"https:\/\/financer.sk\/financna-gramotnost\/\">finan\u010dn\u00fa gramotnos\u0165<\/a> je ide\u00e1lne osvoji\u0165 si rozpo\u010dtov\u00e9 miery 10-20-30-40 a to nasledovne.<\/p>\n\n\n\n<ul>\n<li>10% finan\u010dn\u00e1 rezerva<\/li>\n\n\n\n<li>20% invest\u00edcie do\u00a0 akt\u00edv<\/li>\n\n\n\n<li>30% spl\u00e1tky \u00faverov<\/li>\n\n\n\n<li>40% denn\u00e1 spotreba<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>\u010co je to rodinn\u00fd rozpo\u010det?<\/h4><div class=\"faq_inner\"><p>Ide o pl\u00e1n finan\u010dn\u00e9ho hospod\u00e1renia va\u0161ej rodiny. Udr\u017eiavan\u00fd rodinn\u00fd rozpo\u010det pom\u00e1ha udr\u017eiava\u0165 poriadok a preh\u013ead vo va\u0161ich rodinn\u00fdch financi\u00e1ch. Viac o tom, ako zostavi\u0165 rodinn\u00fd rozpo\u010det sa do\u010d\u00edtate v na\u0161om \u010dl\u00e1nku.<\/p><p>Potrebujem vzor rodinn\u00e9ho rozpo\u010dtu<\/p><p>Pre rodinn\u00fd rozpo\u010det m\u00f4\u017eete vyu\u017e\u00edva\u0165 niektor\u00fa z aplik\u00e1ci\u00ed pre spr\u00e1vu rozpo\u010dtu, alebo klasick\u00fa tabu\u013eku, pero a papier. Financer.com Slovensko pre v\u00e1s pripravil jednoduch\u00fa automatizovan\u00fa tabu\u013eku na spravovanie rozpo\u010dtu. N\u00e1jdete ju v \u010dl\u00e1nku.<\/p><p><\/p><\/div><h4>Ako zostavi\u0165 rodinn\u00fd rozpo\u010det?<\/h4><div class=\"faq_inner\"><p>Zostavenie rodinn\u00e9ho rozpo\u010dtu je jednoduch\u00e9 a m\u00f4\u017eeme ho rozdeli\u0165 na nieko\u013eko z\u00e1kladn\u00fdch f\u00e1z: Sumariz\u00e1cia pr\u00edjmov, sumariz\u00e1cia v\u00fddavkov, ich pravideln\u00e9 zaznamen\u00e1vanie a aktualiz\u00e1cia. Podrobn\u00fd n\u00e1vod ako urobi\u0165 rodinn\u00fd rozpo\u010det n\u00e1jdete v na\u0161om \u010dl\u00e1nku.<\/p><\/div><h4>Potrebujem vzor rodinn\u00e9ho rozpo\u010dtu<\/h4><div class=\"faq_inner\"><p>Pre rodinn\u00fd rozpo\u010det m\u00f4\u017eete vyu\u017e\u00edva\u0165 niektor\u00fa z <a href=\"https:\/\/financer.sk\/top-aplikacie-spravca-financii\/\" target=\"_blank\" rel=\"noreferrer noopener\">aplik\u00e1ci\u00ed pre spr\u00e1vu rozpo\u010dtu<\/a>, alebo klasick\u00fa tabu\u013eku, pero a papier. Financer.com Slovensko pre v\u00e1s pripravil jednoduch\u00fa automatizovan\u00fa tabu\u013eku na spravovanie rozpo\u010dtu. N\u00e1jdete ju v \u010dl\u00e1nku.<\/p><\/div><h4>Ak\u00e9 s\u00fa v\u00fdhody rodinn\u00e9ho rozpo\u010dtu?<\/h4><div class=\"faq_inner\"><p>V\u010faka rodinn\u00e9mu rozpo\u010dtu budete ma\u0165 preh\u013ead v rodinn\u00fdch financi\u00e1ch, lep\u0161ie pl\u00e1nova\u0165 bud\u00facnos\u0165, postupne si vytv\u00e1ra\u0165 finan\u010dn\u00fa rezervu a u\u0161etr\u00edte viacej pe\u0148az\u00ed.\u00a0<\/p><\/div><h4>Ako evidova\u0165 pr\u00edjmy a v\u00fddavky?<\/h4><div class=\"faq_inner\"><p>Na zaznamen\u00e1vanie pr\u00edjmov a v\u00fddavkov existuje viacero osved\u010den\u00fdch sp\u00f4sobov. Z\u00e1le\u017e\u00ed len od v\u00e1s, \u010di v\u00e1m viacej vyhovuj\u00fa mobiln\u00e9 aplik\u00e1cie pre spr\u00e1vu rozpo\u010dtu, alebo uprednost\u0148ujete rodinn\u00fd rozpo\u010det v exceli, \u010di ste star\u00e1 \u0161kola a vysta\u010d\u00ed v\u00e1m klasick\u00e9 pero a papier.\u00a0<\/p><\/div><\/div>","protected":false},"author":87,"featured_media":78603,"comment_status":"closed","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\/2383"}],"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=2383"}],"version-history":[{"count":49,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/2383\/revisions"}],"predecessor-version":[{"id":78837,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/2383\/revisions\/78837"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78603"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=2383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=2383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}