{"id":39229,"date":"2023-02-21T13:45:03","date_gmt":"2023-02-21T12:45:03","guid":{"rendered":"https:\/\/financer.sk\/?post_type=how_to&#038;p=39229"},"modified":"2024-09-19T16:44:08","modified_gmt":"2024-09-19T14:44:08","slug":"financna-nezavislost","status":"publish","type":"how_to","link":"https:\/\/financer.sk\/osobne-financie\/clanky\/financna-nezavislost\/","title":{"rendered":"Ako dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165?"},"content":{"rendered":"\n<p>Rozv\u00edjaj\u00faca sa ekonomika a st\u00e1le zvy\u0161uj\u00face sa n\u00e1klady na \u017eivot maj\u00fa za n\u00e1sledok, \u017ee je na \u013eud\u00ed vyv\u00edjan\u00ed \u010d\u00edm \u010falej v\u00e4\u010d\u0161\u00ed tlak. Viac a viac \u013eud\u00ed sa tak zauj\u00edma o to, <strong>ako dosiahnu\u0165 finan\u010dn\u00fa slobodu. <\/strong><\/p>\n\n\n\n<p>Finan\u010dn\u00e1 sloboda alebo finan\u010dn\u00e1 nez\u00e1vislos\u0165 znamen\u00e1, \u017ee <strong>nemus\u00edte by\u0165 z\u00e1visl\u00ed od pravideln\u00e9ho pr\u00edjmu,<\/strong> aby ste udr\u017eali svoj \u017eivotn\u00fd \u0161tandard \u0161tandard.<\/p>\n\n\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p>Niektor\u00ed \u013eudia vedia za p\u00e1r rokov <strong>u\u0161etri\u0165 to\u013eko, \u017ee m\u00f4\u017eu od\u00eds\u0165 do d\u00f4chodku aj o 10 rokov sk\u00f4r.<\/strong> Pre in\u00fdch pojem finan\u010dn\u00e1 sloboda znamen\u00e1 mo\u017enos\u0165 rozhodn\u00fa\u0165 sa, \u010di chc\u00fa pracova\u0165 alebo nie.<\/p>\n<p>Kedyko\u013evek si tak m\u00f4\u017eu vzia\u0165 mesa\u010dn\u00fa dovolenku, pr\u00edpadne opusti\u0165 pr\u00e1cu v pr\u00edpade, \u017ee sa im nep\u00e1\u010di.<\/p><\/div>\n\n\n<p>Ak chcete dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165, mus\u00edte si <strong>stanovi\u0165 konkr\u00e9tne ciele a prija\u0165 kroky, ktor\u00e9 v\u00e1s k nej prived\u00fa. <\/strong>Za\u010dnite s \u00fapln\u00fdmi z\u00e1kladmi<a href=\"https:\/\/financer.sk\/ako-na-to\/financna-gramotnost\/\"> finan\u010dnej gramotnosti<\/a>, menej m\u00ed\u0148ajte a viac pe\u0148az\u00ed si odkladajte, a \u010do je d\u00f4le\u017eit\u00e9, investujte. <a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/zlozeny-urok\/\">Zlo\u017een\u00fd \u00farok<\/a> bude n\u00e1sledne pracova\u0165 za v\u00e1s.\u00a0<\/p>\n\n\n\n<p>Teraz sa v\u00e1m pravdepodobne zd\u00e1 tento cie\u013e nere\u00e1lny.<strong> \u010c\u00edm sk\u00f4r v\u0161ak za\u010dnete investova\u0165, t\u00fdm sk\u00f4r dosiahnete finan\u010dn\u00fa slobodu. <\/strong>V tomto \u010dl\u00e1nku sa v\u00e1m pok\u00fasime poradi\u0165 a pozrieme na to, ako m\u00f4\u017eete za\u010da\u0165 budova\u0165 svoju finan\u010dn\u00fa nez\u00e1vislos\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o_je_finann_nezvislos\">\u010co je finan\u010dn\u00e1 nez\u00e1vislos\u0165?<\/h2>\n\n\n\n<p>Finan\u010dn\u00e1 nez\u00e1vislos\u0165 znamen\u00e1, \u017ee m\u00e1te <strong>dostatok finan\u010dn\u00fdch prostriedkov na to, aby ste \u017eili bez toho, aby ste museli pracova\u0165, <\/strong>alebo aby ste boli schopn\u00ed u\u017eivi\u0165 sa z pas\u00edvneho pr\u00edjmu z invest\u00edci\u00ed.\u00a0<\/p>\n\n\n\n<p>Pre mnoh\u00fdch \u013eud\u00ed je finan\u010dn\u00e1 nez\u00e1vislos\u0165 synonymom pre<strong> skor\u00e9 d\u00f4chodky, alebo pre \u017eivot v luxuse bez starost\u00ed.<\/strong> Pre mnoh\u00fdch v\u0161ak znamen\u00e1 finan\u010dn\u00e1 nez\u00e1vislos\u0165 aj to, \u017ee m\u00f4\u017eu robi\u0165 to, \u010do ich bav\u00ed, alebo pom\u00e1ha\u0165 druh\u00fdm bez ob\u00e1v o finan\u010dn\u00fa situ\u00e1ciu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>V niektor\u00fdch pr\u00edpadoch to znamen\u00e1 ma\u0165 neust\u00e1le rast\u00face \u00faspory, ktor\u00e9 v\u00e1m umo\u017e\u0148uj\u00fa od\u00eds\u0165 do d\u00f4chodku alebo pokra\u010dova\u0165 v kari\u00e9re, ktor\u00fa chcete bez toho, aby ste boli poh\u00e1\u0148an\u00ed ka\u017edoro\u010dn\u00fdm zar\u00e1ban\u00edm stanoven\u00e9ho platu. V skratke <strong data-rich-text-format-boundary=\"true\">finan\u010dn\u00e1 sloboda znamen\u00e1 to, \u017ee peniaze pracuj\u00fa pre v\u00e1s a nie naopak.<\/strong><\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/sporenie\/ako-usetrit-peniaze\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Tipy, ako u\u0161etri\u0165 peniaze<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Preo_je_dleit_finann_nezvislos\">Pre\u010do je d\u00f4le\u017eit\u00e1 finan\u010dn\u00e1 nez\u00e1vislos\u0165?<\/h2>\n\n\n\n<p>Finan\u010dn\u00e1 nez\u00e1vislos\u0165 je d\u00f4le\u017eit\u00e1 z viacer\u00fdch d\u00f4vodov. V prvom rade <strong>z\u00edskate v\u00e4\u010d\u0161iu kontrolu nad vlastn\u00fdm \u017eivotom. <\/strong>M\u00f4\u017eete toti\u017e slobodne rozhodova\u0165 o tom, ako budete pou\u017e\u00edva\u0165 va\u0161e financie. Z\u00e1rove\u0148 si m\u00f4\u017eete dovoli\u0165 investova\u0165 do va\u0161ich z\u00e1\u013eub, pr\u00edpadne podnika\u0165 pod\u013ea va\u0161ich predst\u00e1v.\u00a0<\/p>\n\n\n\n<p>Z\u00edskavate taktie\u017e <strong>slobodu vo v\u00fdbere zamestnania,<\/strong> preto\u017ee nie ste z\u00e1visl\u00e1 od pr\u00edjmu zo zamestnania. M\u00f4\u017eete sa tak rozhodn\u00fa\u0165 pre pr\u00e1cu, ktor\u00fa naozaj milujete, a ktor\u00e1 v\u00e1s bav\u00ed bez oh\u013eadu na to, \u010di v\u00e1m t\u00e1to pr\u00e1ca prin\u00e1\u0161a nejak\u00fd stabiln\u00fd pr\u00edjem.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p><strong data-rich-text-format-boundary=\"true\">Zn\u00ed\u017ei sa aj va\u0161a hladina stresu, <\/strong>ktor\u00e1 \u010dastokr\u00e1t ovplyv\u0148uje nielen psychick\u00e9, ale aj fyzick\u00e9 zdravie. Nemus\u00edte sa toti\u017e stara\u0165 o to, ako zaplati\u0165 \u00fa\u010dty alebo ako zabezpe\u010di\u0165 svoju rodinu v pr\u00edpade ne\u010dakan\u00fdch udalost\u00ed, ako je napr\u00edklad strata zamestnania alebo zdravotn\u00e9 probl\u00e9my.\u00a0<\/p><\/div>\n\n\n<p>Ove\u013ea <strong>jednoduch\u0161ie sa v\u00e1m bud\u00fa dosahova\u0165 aj va\u0161e dlhodob\u00e9 ciele, <\/strong>ako je napr\u00edklad k\u00fapa vlastn\u00e9ho dom alebo cestovanie po svete. Celkovo budete ma\u0165 zabezpe\u010den\u00fa bud\u00facnos\u0165 a budete pripraven\u00fd na ak\u00e9ko\u013evek \u017eivotn\u00e9 udalosti, ktor\u00e9 si vy\u017eaduj\u00fa vy\u0161\u0161ie finan\u010dn\u00e9 prostriedky.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"FIRE_movement\">F.I.R.E. movement<\/h2>\n\n\n\n<p>F.I.R.E. je skratka pre &#8220;Financial Independence, Retire Early&#8221;, \u010do v preklade znamen\u00e1 <strong>&#8220;Finan\u010dn\u00e1 nez\u00e1vislos\u0165, skor\u00fd odchod do d\u00f4chodku&#8221;<\/strong>. FIRE je hnutie, ktor\u00e9 sa sna\u017e\u00ed dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165 v \u010do najskor\u0161om veku, aby si \u013eudia mohli u\u017ei\u0165 svoj \u017eivot a neby\u0165 viazan\u00ed na pr\u00e1cu a pr\u00edjem z nej.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>\u010clenovia tohto hnutia sa zameriavaj\u00fa na <strong data-rich-text-format-boundary=\"true\">minimalizovanie svojich n\u00e1kladov, zvy\u0161ovanie pr\u00edjmov<\/strong> a investovanie svojich \u00faspor tak, aby dosiahli finan\u010dn\u00fa nez\u00e1vislos\u0165 \u010do najsk\u00f4r.<\/p><\/div>\n\n\n<p>V\u00e4\u010d\u0161inou ide o to, aby mohli <strong>od\u00eds\u0165 do d\u00f4chodku pred tradi\u010dn\u00fdm vekom 65 rokov, <\/strong>\u010do zvy\u010dajne znamen\u00e1 odchod do d\u00f4chodku v priebehu tridsiatich, \u0161tyridsiatich alebo p\u00e4\u0165desiatich rokov.<\/p>\n\n\n\n<p><strong>Strat\u00e9gia FIRE<\/strong> m\u00e1 v podstate dve zlo\u017eky:<\/p>\n\n\n\n<ul>\n<li>Finan\u010dn\u00e1 nez\u00e1vislos\u0165<\/li>\n\n\n\n<li>Pred\u010dasn\u00fd odchod do d\u00f4chodku.<\/li>\n<\/ul>\n\n\n\n<p>Cel\u00fd princ\u00edp hnutia spo\u010d\u00edva <strong>v sporen\u00ed a agres\u00edvnom investovan\u00ed po\u010das akt\u00edvnych pracovn\u00fdch rokov <\/strong>s cie\u013eom vytvori\u0165 portf\u00f3lio spolu s pas\u00edvnym pr\u00edjmom.<\/p>\n\n\n\n<p>Tento \u017eivotn\u00fd \u0161t\u00fdl v\u00e1m umo\u017en\u00ed od\u00eds\u0165 z pr\u00e1ce na pln\u00fd \u00fav\u00e4zok e\u0161te pred tradi\u010dn\u00fdm d\u00f4chodkov\u00fdm vekom. \u010clenovia hnutia si obvykle d\u00e1vaj\u00fa za cie\u013e <strong>od\u00eds\u0165 do d\u00f4chodku v 40tke alebo 50tke.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Princpy_hnutia_FIRE\">Princ\u00edpy hnutia FIRE<\/h3>\n\n\n\n<p>Vo v\u00e4\u010d\u0161ine pr\u00edpadov je konkr\u00e9tnym cie\u013eom v hnut\u00ed FIRE <strong>u\u0161etri\u0165 25x ro\u010dn\u00fdch v\u00fddavkov.<\/strong> T\u00e1to strat\u00e9gia je zalo\u017een\u00e1 na dvoch strat\u00e9gi\u00e1ch odchodu do d\u00f4chodku:<\/p>\n\n\n\n<ul>\n<li><strong>Pravidlo 25x. <\/strong>Na z\u00e1klade tohto pravidla by ste mali u\u0161etri\u0165 25x va\u0161ich pl\u00e1novan\u00fdch ro\u010dn\u00fdch v\u00fddavkov v d\u00f4chodku.<\/li>\n\n\n\n<li><strong>Pravidlo 4%. <\/strong>Toto pravidlo bolo ur\u010den\u00e9 na z\u00e1klade historick\u00e9ho v\u00fdvoja kapit\u00e1lov\u00e9ho trhu. Na z\u00e1klade pravidla 4% ak budete schopn\u00ed vyjs\u0165 s 4% v\u00e1\u0161ho investi\u010dn\u00e9ho portf\u00f3lia, peniaze v\u00e1m prakticky nikdy ned\u00f4jdu.<\/li>\n<\/ul>\n\n\n\n<p>Ka\u017ed\u00e1 z nich pom\u00e1ha \u013eu\u010fom nastavi\u0165 \u201ebezpe\u010dn\u00fa\u201c mieru v\u00fdberu z ich d\u00f4chodkov\u00fdch \u00faspor. <strong>Konkr\u00e9tne \u010d\u00edsla a miery s\u00fa ale individu\u00e1lne, <\/strong>niektor\u00ed chc\u00fa by\u0165 finan\u010dne nez\u00e1visl\u00ed, zatia\u013e \u010do in\u00ed sa sk\u00f4r zameriavaj\u00fa na prekonanie \u0161tandardnej \u010dasovej osi a skor\u00fd odchod do d\u00f4chodku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i5_tipov_ako_dosiahnu_finann_slobodu_a_nezvislos\">5 tipov ako dosiahnu\u0165 finan\u010dn\u00fa slobodu a nez\u00e1vislos\u0165<\/h2>\n\n\n\n<p>Teraz u\u017e viete, \u010do je to finan\u010dn\u00e1 nez\u00e1vislos\u0165, ako aj pre\u010do je d\u00f4le\u017eit\u00e1. Najd\u00f4le\u017eitej\u0161ia \u010das\u0165 v\u0161ak prich\u00e1dza pr\u00e1ve teraz, a s\u00edce ako sa d\u00e1 finan\u010dn\u00fa nez\u00e1vislos\u0165 dosiahnu\u0165? Vo <strong>Financer.sk<\/strong> sme si pre v\u00e1s pripravili 5 tipov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Nemajte_cel_prjem\">1. Nem\u00ed\u0148ajte cel\u00fd pr\u00edjem<\/h3>\n\n\n\n<p><strong>M\u00ed\u0148a\u0165 menej, ne\u017e ko\u013eko zarob\u00edm. <\/strong>To je \u00fapln\u00fd z\u00e1klad a tie\u017e alfou aj omegou celej finan\u010dnej gramotnosti a spravovania financi\u00ed. M\u00e1 to trojak\u00fd efekt, preto\u017ee si tak m\u00f4\u017eete \u010das\u0165 pr\u00edjmu <a href=\"https:\/\/financer.sk\/sporenie\/ako-usetrit-peniaze\/%C3%A4\">\u0161etri\u0165<\/a>, \u010das\u0165 investova\u0165, \u010d\u00edm sa z\u00e1rove\u0148 vyhnete pri nepriazniv\u00fdch okolnostiach pr\u00edpadn\u00fdm <a href=\"https:\/\/financer.sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlym p\u00f4\u017ei\u010dk\u00e1m<\/a> a predra\u017een\u00fdm \u00faverom.<\/p>\n\n\n\n<p>Sk\u00faste si vypestova\u0165 zvyk <strong>porovn\u00e1va\u0165 si pred n\u00e1kupom r\u00f4zne ponuky.<\/strong> Porovnan\u00edm a dobr\u00fdm v\u00fdberom n\u00e1jdete aj lep\u0161ie ponuky za rovnak\u00fa cenu, pr\u00edpadne rovnak\u00fa ponuku za ove\u013ea ni\u017e\u0161iu cenu. Nekupujte si veci hne\u010f. Obzvl\u00e1\u0161\u0165 tie, \u010do okam\u017eite nepotrebujete. Nau\u010d\u00edte sa tak na veci si \u0161etri\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Nielen\u017ee sa stanete slobodn\u00ed, preto\u017ee m\u00e1te \u017eivot pevne v ruk\u00e1ch, ale \u0161etrenie na konkr\u00e9tnu vec m\u00e1 e\u0161te jednu ve\u013ek\u00fa v\u00fdhodu. Na\u0161e potreby s\u00fa pominute\u013en\u00e9 a \u010dasto sa rozplyn\u00fa cez noc. T\u00fdm, \u017ee si veci<strong> nekupujete hne\u010f, vytvor\u00edte si tak filter, <\/strong>ktor\u00fd v\u00e1m pom\u00f4\u017ee rozpozna\u0165, \u010di dan\u00fa vec naozaj chcete.<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.sk\/ako-na-to\/financna-gramotnost\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Ako zlep\u0161i\u0165 va\u0161u finan\u010dn\u00fa gramotnos\u0165?<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Dodriavajte_v_rozpoet\">2. Dodr\u017eiavajte v\u00e1\u0161 rozpo\u010det<\/h3>\n\n\n\n<p><strong>Ma\u0165 preh\u013ead je ve\u013emi d\u00f4le\u017eit\u00e1 vec, na ktor\u00fa \u010dasto zab\u00fadame. <\/strong>Sp\u00edsan\u00fd <a href=\"https:\/\/financer.sk\/ako-na-to\/rodinny-rozpocet\/\">rodinn\u00fd rozpo\u010det <\/a>dok\u00e1\u017ee urobi\u0165 celkom divy. Viete tak toti\u017e, ko\u013eko si m\u00f4\u017eete dovoli\u0165 za dan\u00fd mesiac min\u00fa\u0165 a tie\u017e, kadia\u013e sa v\u00e1m peniaze vytr\u00e1caj\u00fa zbyto\u010dne.<\/p>\n\n\n\n<p><strong>Lep\u0161ie tak aj odhadnete, na \u010dom m\u00f4\u017eete u\u0161etri\u0165. <\/strong>M\u00f4\u017eu to by\u0165 energie v dom\u00e1cnosti, pr\u00edpadne \u00fadr\u017eba vec\u00ed, ktor\u00e9 ani nepou\u017e\u00edvate. Impulz\u00edvnym n\u00e1kupom sa tie\u017e d\u00e1 vyhn\u00fa\u0165 vcelku jednoducho.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><strong data-rich-text-format-boundary=\"true\">Pri rozpo\u010dtovan\u00ed v\u00fdborne funguje ob\u00e1lkov\u00e1 met\u00f3da. <\/strong>Priprav\u00edte si nieko\u013eko ob\u00e1lok, ktor\u00e9 si r\u00f4zne rozdel\u00edte, napr\u00edklad na n\u00e1kupy, b\u00fdvanie, sporenie a podobne.<\/p>\n<p><strong>Peniaze si vyberiete v hotovosti a rozlo\u017e\u00edte si ich do t\u00fdchto ob\u00e1lok.<\/strong> Akon\u00e1hle sa v\u00e1m peniaze v nejakej z nich min\u00fa, bu\u010f si \u010das\u0165 prelo\u017e\u00edte z nejakej menej d\u00f4le\u017eitej, alebo pre tento mesiac s platen\u00edm kon\u010d\u00edte.<\/p><\/div>\n\n\n<p><strong>Takto za mesiac neutrat\u00edte viac pe\u0148az\u00ed, ne\u017e ko\u013eko ste mali na v\u00fdplatu.<\/strong> O svojich peniazoch m\u00e1te preh\u013ead, t\u00fdm p\u00e1dom sa trochu dr\u017e\u00edte aj v nakupovan\u00ed a navy\u0161e si vo svojej finan\u010dnej gramotnosti poklad\u00e1te dobr\u00e9 z\u00e1klady. Pom\u00f4c\u0165 v\u00e1m m\u00f4\u017eu aj aplik\u00e1cie na spr\u00e1vu osobn\u00fdch financi\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Plate_ty_vas\">3. Pla\u0165te \u00fa\u010dty v\u010das<\/h3>\n\n\n\n<p>Je to mo\u017eno o\u010dividn\u00e9, ale pr\u00e1ve<strong> tak\u00e9to veci sa trochu str\u00e1caj\u00fa z n\u00e1\u0161ho zorn\u00e9ho po\u013ea. <\/strong>Ke\u010f pr\u00edde \u0161ek, \u00fa\u010det, fakt\u00fara alebo \u010doko\u013evek in\u00e9, tak je nevyhnutn\u00e9 sa s \u0148ou aspo\u0148 trochu zozn\u00e1mi\u0165. Ko\u013eko a kam m\u00e1te zaplati\u0165 a hlavne kedy to m\u00e1te zaplati\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Samozrejme ani nie je potrebn\u00e9 pripom\u00edna\u0165, \u017ee <strong data-rich-text-format-boundary=\"true\">bankov\u00e9 aj nebankov\u00e9 p\u00f4\u017ei\u010dky mus\u00edte spl\u00e1ca\u0165 v\u017edy na \u010das.<\/strong> Pr\u00edpadn\u00e9 pokuty a sankcie za neskor\u00e9 spl\u00e1canie s\u00fa vyhoden\u00e9 peniaze. Bez oh\u013eadu na to, v\u00e1m <a href=\"https:\/\/financer.sk\/wiki\/uverovy-register\/\">z\u00e1znamy v registroch <\/a>skomplikuj\u00fa z\u00edskanie lep\u0161\u00edch podmienok v bud\u00facnosti.<\/p><\/div>\n\n\n<p>Pokia\u013e ide o <strong>pravideln\u00e9 v\u00fddavky, tie v\u00e1m u\u013eah\u010d\u00ed internet banking. <\/strong>Vy\u010dle\u0148te si niekedy popoludn\u00ed na chv\u00ed\u013eu \u010das a vo svojom bankovn\u00edctve si nastavte trval\u00e9 pr\u00edkazy. Je toti\u017e ove\u013ea jednoduch\u0161ie si raz dvakr\u00e1t za mesiac skontrolova\u0165 odch\u00e1dzaj\u00face platby, ne\u017e ka\u017ed\u00fa platbu zad\u00e1va\u0165 zvl\u00e1\u0161\u0165 a jednotlivo.<\/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.sk\/ako-na-to\/ako-sa-zbavit-dlhov\/\" class=\"button  is-rounded is-primary is-medium\" target=\"_blank\"  >Ako sa zbavi\u0165 dlhov?<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Majte_finann_rezervu\">4. Majte finan\u010dn\u00fa rezervu<\/h3>\n\n\n\n<p>Niekedy pr\u00edde ne\u010dakan\u00e1 fakt\u00fara, a my nevieme \u010do s \u0148ou. <strong>Ke\u010f v\u0161ak m\u00e1me nie\u010do na\u0161etren\u00e9 na hor\u0161ie \u010dasy, nemus\u00edme hne\u010f h\u013eada\u0165 r\u00fdchlu p\u00f4\u017ei\u010dku. <\/strong>Aspo\u0148 mal\u00e1 <a href=\"https:\/\/financer.sk\/ako-na-to\/financna-rezerva\/\">finan\u010dn\u00e1 rezerva<\/a> n\u00e1s pred podobn\u00fdmi vecami dok\u00e1\u017ee ochr\u00e1ni\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong>Ide\u00e1lne by t\u00e1 kr\u00edzov\u00e1 \u010das\u0165 mala zodpoveda\u0165 aspo\u0148 jedn\u00e9mu mesa\u010dn\u00e9mu pr\u00edjmu.<\/strong> T\u00e1 \u017eivotn\u00e1 \u010das\u0165 potom asi \u0161iestim alebo deviatim mesiacom.<\/p>\n<p>Pokia\u013e teraz \u017eiadnu finan\u010dn\u00fa rezervu nem\u00e1te, je ten prav\u00fd \u010das si e\u0161te dnes odlo\u017ei\u0165 nie\u010do bokom. Tvori\u0165 si finan\u010dn\u00fa rezervu m\u00f4\u017eete aj prostredn\u00edctvom \u00faspor na spl\u00e1tkach, a to v\u010faka <a href=\"https:\/\/financer.sk\/pozicky\/konsolidacia-uveru\/\">konsolid\u00e1ci\u00ed<\/a>.\u00a0<\/p><\/div>\n\n\n<p><strong>Rezervu na hor\u0161ie \u010dasy si \u010dlovek buduje. <\/strong>Neobjav\u00ed sa len tak zo d\u0148a na de\u0148. Odklada\u0165 si nie\u010do bokom je zvyk ako ka\u017ed\u00fd in\u00fd, a v r\u00e1mci dobrej <a href=\"https:\/\/financer.sk\/ako-na-to\/financna-gramotnost\/\">finan\u010dnej gramotnosti<\/a> je pr\u00e1ve tento n\u00e1vyk ove\u013ea d\u00f4le\u017eitej\u0161\u00ed, ne\u017e to ko\u013eko si nakoniec odlo\u017e\u00edte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Pravidelne_investujte\">5. Pravidelne investujte<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.sk\/osobne-financie\/kalkulacka\/zlozeny-urok\/\">Zlo\u017een\u00fd \u00farok <\/a>za v\u00e1s pracuje aj na va\u0161ich <a href=\"https:\/\/financer.sk\/sporenie\/sporiaci-ucet\/\">sporiacich \u00fa\u010dtoch<\/a>, ke\u010f sa v\u00e1m \u00faro\u010dia \u00faroky z \u00farokov. Bohu\u017eia\u013e <strong>na sporiacich \u00fa\u010dtoch nikdy nedosiahnete vysok\u00e9 zhodnotenie. <\/strong>Pr\u00e1ve naopak. V d\u00f4sledku rast\u00facej <a href=\"https:\/\/financer.sk\/wiki\/inflacia\/\">infl\u00e1cie<\/a> peniaze postupom \u010dasu str\u00e1caj\u00fa svoju hodnotu.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Rie\u0161en\u00edm je <a href=\"https:\/\/financer.sk\/blog\/kde-investovat-peniaze\/\">investovanie<\/a>, a to nielen tak\u00e9 hocijak\u00e9, ale pravideln\u00e9. <strong data-rich-text-format-boundary=\"true\">Zo za\u010diatku sa v\u00e1m investovanie m\u00f4\u017ee zda\u0165 pr\u00edli\u0161 komplikovan\u00e9, <\/strong>nie je to v\u0161ak \u00faplne tak.<\/p>\n<p>Sta\u010d\u00ed iba dodr\u017eiava\u0165 p\u00e1r z\u00e1kladn\u00fdch princ\u00edpov, a to najd\u00f4le\u017eitej\u0161ie \u2013 vytrva\u0165. Z\u00e1le\u017e\u00ed u\u017e len na v\u00e1s a va\u0161ich preferenci\u00e1ch, \u010di budete investova\u0165 do <a href=\"https:\/\/financer.sk\/ako-na-to\/investovanie-do-akcii\/\">akci\u00ed<\/a>, <a href=\"https:\/\/financer.sk\/wiki\/co-su-etf-fondy\/\">ETF fondov<\/a> a podobne.<\/p><\/div>\n\n\n<p>Nemus\u00ed \u00eds\u0165 len o <a href=\"https:\/\/financer.sk\/sporenie\/investovanie-do-akcii\/\">nakupovanie akci\u00ed<\/a> alebo <a href=\"https:\/\/financer.sk\/wiki\/co-su-podielove-fondy\/\">podielov\u00fdch fondov<\/a>, d\u00e1 sa sem tie\u017e zahrn\u00fa\u0165 aj <strong>pripravovanie sa na d\u00f4chodok alebo na vlastn\u00e9 b\u00fdvanie. <\/strong>D\u00f4chodkov\u00e9 pripoistenie v\u00e1m \u010dasom priprav\u00ed pohodlnej\u0161\u00ed d\u00f4chodok a stavebn\u00e9 sporenie v\u00e1m u\u0161etr\u00ed na z\u00e1klad neskor\u0161ej <a href=\"https:\/\/financer.sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Prklady_finanne_nezvislch_osobnost\">Pr\u00edklady finan\u010dne nez\u00e1visl\u00fdch osobnost\u00ed<\/h2>\n\n\n\n<p><strong>Dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165 nie je jedonoduch\u00e9, <\/strong>ale ur\u010dite to nie je nemo\u017en\u00e9. O tom, \u017ee sa to naozaj d\u00e1 sved\u010dia konkr\u00e9tne pr\u00edklady finan\u010dne nez\u00e1visl\u00fdch \u013eud\u00ed. Vo Financer.sk sme pre v\u00e1s vybrali pr\u00edbehy niektor\u00fdch z nich.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Warren_Buffett\">Warren Buffett<\/h3>\n\n\n\n<p>Warren Buffett je jedn\u00fdm z <a href=\"https:\/\/financer.sk\/blog\/najbohatsi-ludia-sveta\/\">najbohat\u0161\u00edch \u013eud\u00ed na svete<\/a>, no z\u00e1rove\u0148 <strong>bol cel\u00fd \u017eivot finan\u010dne nez\u00e1visl\u00fd. <\/strong>Buffett sa stal bohat\u00fdm t\u00fdm, \u017ee investoval do akci\u00ed a <a href=\"https:\/\/financer.sk\/wiki\/dlhopis\/\">dlhopisov<\/a> a z\u00edskal podiely v r\u00f4znych spolo\u010dnostiach. <\/p>\n\n\n\n<p>Av\u0161ak, aj ke\u010f m\u00e1 obrovsk\u00e9 bohatstvo, st\u00e1le sa dr\u017e\u00ed jednoduch\u00e9ho \u017eivotn\u00e9ho \u0161t\u00fdlu a tvrd\u00ed, \u017ee <strong>nie je nutn\u00e9 m\u00ed\u0148a\u0165 ve\u013ea pe\u0148az\u00ed na to, aby sme mali \u0161\u0165astn\u00fd \u017eivot. <\/strong>Buffett sa sna\u017e\u00ed investova\u0165 peniaze do projektov, ktor\u00e9 mu prin\u00e1\u0161aj\u00fa zisk a z\u00e1rove\u0148 sa sna\u017e\u00ed by\u0165 \u010do najefekt\u00edvnej\u0161\u00ed v n\u00e1kladoch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Peter_Adeney\">Peter Adeney<\/h3>\n\n\n\n<p>Peter Adeney, zn\u00e1my pod prez\u00fdvkou <strong>Mr. Money Mustache<\/strong>, je bloger a investor, ktor\u00fd dosiahol finan\u010dn\u00fa nez\u00e1vislos\u0165 u\u017e vo svojich tridsiatich rokoch. Adeney sa rozhodol za\u010da\u0165 \u0161etri\u0165 peniaze, ke\u010f zistil, \u017ee jeho ka\u017edodenn\u00e9 n\u00e1vyky a \u017eivotn\u00fd \u0161t\u00fdl boli pr\u00edli\u0161 drah\u00e9. <\/p>\n\n\n\n<p>Nesk\u00f4r si zalo\u017eil blog, v ktorom sa <strong>sna\u017e\u00ed \u013eu\u010fom uk\u00e1za\u0165, ako m\u00f4\u017eu u\u0161etri\u0165 peniaze a dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165. <\/strong>Adeney sa sna\u017e\u00ed uk\u00e1za\u0165, \u017ee nie je potrebn\u00e9 ma\u0165 vysok\u00e9 pr\u00edjmy, aby sme mohli dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165, ale \u017ee je potrebn\u00e9 ma\u0165 dobr\u00fd pl\u00e1n a discipl\u00ednu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Grant_Sabatier\">Grant Sabatier<\/h3>\n\n\n\n<p>Grant Sabatier je <strong>\u010fal\u0161\u00edm blogerom a autorom knihy, ktor\u00fd dosiahol finan\u010dn\u00fa nez\u00e1vislos\u0165 <\/strong>v priebehu p\u00e1r rokov. Sabatier sa rozhodol zmeni\u0165 svoj \u017eivot, ke\u010f zistil, \u017ee pracuje 80 hod\u00edn t\u00fd\u017edenne a nem\u00e1 dostatok \u010dasu na to, aby sa venoval svojim z\u00e1ujmom. <\/p>\n\n\n\n<p><strong>Rozhodol sa za\u010da\u0165 \u0161etri\u0165 peniaze a sna\u017ei\u0165 sa z\u00edska\u0165 viac zisku z invest\u00edci\u00ed.<\/strong> Po p\u00e1r rokoch sa mu podarilo dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165 a odvtedy sa sna\u017e\u00ed pom\u00e1ha\u0165 ostatn\u00fdm \u013eu\u010fom, aby dosiahli podobn\u00e9 ciele.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody_finannej_nezvislosti\">V\u00fdhody a nev\u00fdhody finan\u010dnej nez\u00e1vislosti<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p>Z\u00edskate slobodu a nez\u00e1vislos\u0165<\/p>\n<\/li><li><p>Zn\u00ed\u017eite va\u0161u hladinu stresu<\/p>\n<\/li><li><p>Stanete sa flexibilnej\u0161\u00edmi <\/p>\n<\/li><li><p>Budete ma\u0165 viacej \u010dasu na rodinu a priate\u013eov<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p>Dosiahnu\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165 je n\u00e1ro\u010dn\u00e9<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Zhrnutie\">Zhrnutie<\/h2>\n\n\n\n<p><strong>Na z\u00e1ver by sme v\u00e1s chceli povzbudi\u0165 k vzdel\u00e1vaniu sa v oblasti financi\u00ed. <\/strong>Len ve\u013emi \u0165a\u017eko dosiahnete a udr\u017e\u00edte si finan\u010dn\u00fa slobodu, pokia\u013e nerozumiete peniazom. Nehovor\u00edme o zlo\u017eitom a \u00fanavnom vzdel\u00e1van\u00ed, sta\u010d\u00ed ke\u010f porozumiete z\u00e1kladn\u00fdm princ\u00edpom <a href=\"https:\/\/financer.sk\/osobne-financie\/\">osobn\u00fdch financi\u00ed<\/a> a <a href=\"https:\/\/financer.sk\/sporenie\/\">investovania<\/a>.<\/p>\n\n\n\n<p>Ako sa vzdel\u00e1va\u0165 v oblasti osobn\u00fdch financi\u00ed? <strong>V dne\u0161nej dobe m\u00e1te ve\u013ea mo\u017enost\u00ed. <\/strong>K\u00fapte si knihu o financi\u00e1ch, pozrite si in\u0161pirat\u00edvny dokument, pr\u00edpadne sledujte <a href=\"https:\/\/financer.sk\/blog\/top-7-slovenskych-financnych-influencerov\/\">finan\u010dn\u00fdch influencerov<\/a> na soci\u00e1lnych sie\u0165ach. D\u00f4le\u017eit\u00e9 je ma\u0165 preh\u013ead a rozumie\u0165 z\u00e1kladn\u00fdm pojmom.<\/p>\n","protected":false},"author":87,"featured_media":78752,"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\/39229"}],"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=39229"}],"version-history":[{"count":50,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/39229\/revisions"}],"predecessor-version":[{"id":78807,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/how_to\/39229\/revisions\/78807"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media\/78752"}],"wp:attachment":[{"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/media?parent=39229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.sk\/wp-json\/wp\/v2\/categories?post=39229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}