[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.masko.sk\/hospodarenie-s-financiami\/#Article","mainEntityOfPage":"https:\/\/www.masko.sk\/hospodarenie-s-financiami\/","headline":"Hospod\u00e1renie s financiami","name":"Hospod\u00e1renie s financiami","description":"Ma\u0165 stabiln\u00fd pr\u00edjem je pre dospel\u00e9ho \u010dloveka nevyhnutnos\u0165ou. K\u00fdm o\u00a0v\u00e4\u010d\u0161inu \u0161tudentov sa st\u00e1le po\u010das \u0161t\u00fadia staraj\u00fa rodi\u010dia a\u00a0peniaze z\u00a0brig\u00e1d m\u00f4\u017eu pou\u017ei\u0165 na oble\u010denie \u010di v\u00fdlety, po skon\u010den\u00ed \u0161koly sa v\u00fddavky v\u00fdrazne zv\u00fd\u0161ia. Najv\u00e4\u010d\u0161iu \u010das\u0165 rozpo\u010dtu \u013eud\u00ed zaber\u00e1 hypot\u00e9ka. Mno\u017estvo najm\u00e4 mlad\u00fdch \u013eud\u00ed si na svoje prv\u00e9 b\u00fdvanie peniaze po\u017ei\u010diava. S\u00a0b\u00fdvan\u00edm s\u00fa spojen\u00e9 aj financie na … ","datePublished":"2018-11-07","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.masko.sk\/author\/#Person","name":"","url":"https:\/\/www.masko.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"masko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.masko.sk\/wp-content\/uploads\/img_a295372_w16648_t1546876212.jpg","url":"https:\/\/www.masko.sk\/wp-content\/uploads\/img_a295372_w16648_t1546876212.jpg","height":0,"width":0},"url":"https:\/\/www.masko.sk\/hospodarenie-s-financiami\/","about":["Ekonomika"],"wordCount":411,"articleBody":"Ma\u0165 stabiln\u00fd pr\u00edjem je pre dospel\u00e9ho \u010dloveka nevyhnutnos\u0165ou. K\u00fdm o\u00a0v\u00e4\u010d\u0161inu \u0161tudentov sa st\u00e1le po\u010das \u0161t\u00fadia staraj\u00fa rodi\u010dia a\u00a0peniaze z\u00a0brig\u00e1d m\u00f4\u017eu pou\u017ei\u0165 na oble\u010denie \u010di v\u00fdlety, po skon\u010den\u00ed \u0161koly sa v\u00fddavky v\u00fdrazne zv\u00fd\u0161ia. Najv\u00e4\u010d\u0161iu \u010das\u0165 rozpo\u010dtu \u013eud\u00ed zaber\u00e1 hypot\u00e9ka. Mno\u017estvo najm\u00e4 mlad\u00fdch \u013eud\u00ed si na svoje prv\u00e9 b\u00fdvanie peniaze po\u017ei\u010diava. S\u00a0b\u00fdvan\u00edm s\u00fa spojen\u00e9 aj financie na energie. Niektor\u00e9 rodiny si nov\u00e9 auto ber\u00fa na l\u00edzing alebo ho spl\u00e1caj\u00fa. Ak u\u017e raz auto vlastn\u00edte, z\u00a0\u00fa\u010dtu v\u00e1m utekaj\u00fa peniaze na poistku, benz\u00edn a\u00a0opravy. V\u00fdrazn\u00fa \u010das\u0165 rozpo\u010dtu zaber\u00e1 strava. A\u00a0potom s\u00fa tu v\u00fddavky ako mobiln\u00fd pau\u0161\u00e1l, osobn\u00e1 poistka \u010di n\u00e1kupy oble\u010denia a\u00a0kozmetiky. Niekedy je nie\u010do u\u0161etri\u0165 probl\u00e9m a\u00a0mnoh\u00e9 dom\u00e1cnosti vych\u00e1dzaj\u00fa z\u00a0v\u00fdplaty do v\u00fdplaty. Ako sa v\u0161ak d\u00e1 u\u0161etri\u0165?\u00a0Sporenie\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ku ka\u017ed\u00e9mu be\u017en\u00e9mu \u00fa\u010dtu banky pon\u00fakaj\u00fa mo\u017enos\u0165 aj takzvan\u00e9ho sporiaceho \u00fa\u010dtu. Je u\u017e na ka\u017edom, ko\u013eko si nech\u00e1 mesa\u010dne zo svojho \u00fa\u010dtu strh\u00e1va\u0165 na sporenie. Mesa\u010dne v\u00e1m tie\u017e nabieha mal\u00fd \u00farok. Podobn\u00e9 sporeniu s\u00fa invest\u00edcie, ako napr\u00edklad fondy. S\u00fa v\u0161ak viac rizikovej\u0161ie, ke\u010f\u017ee peniaze odch\u00e1dzaj\u00fa na burzu a\u00a0nem\u00e1te ist\u00fd mesa\u010dn\u00fd zisk. Ak v\u0161ak natraf\u00edte na v\u00fdhodn\u00fd fond, \u00faroky sa m\u00f4\u017eu \u0161plha\u0165 aj okolo 10%. V\u00fdhodou je, \u017ee peniaze si odklad\u00e1te a\u00a0nem\u00e1te mo\u017enos\u0165 ich vybera\u0165, neminiete ich na hl\u00faposti a\u00a0budete ich ma\u0165 na hor\u0161ie \u010dasy.\u00a0\u0160etrenie\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ak sa V\u00e1m zd\u00e1, \u017ee m\u00ed\u0148ate pr\u00edli\u0161 ve\u013ea pe\u0148az\u00ed a\u00a0ni\u010d v\u00a0podstate nekupujete, za\u010dnite si to p\u00edsa\u0165. Dnes skoro v\u0161ade plat\u00edme kartami a\u00a0platby na internetbankingu nesledujeme podrobne. Ka\u017ed\u00fd mesiac si zapisujte, ko\u013eko ste minuli na dopravu, stravu, kozmetiku \u010di v\u00fdlety. Potom si sk\u00faste premyslie\u0165 \u010di za kozmetiku neplat\u00edte pr\u00edli\u0161 ve\u013ek\u00e9 mno\u017estvo pe\u0148az\u00ed a\u00a0skuto\u010dne v\u0161etko vyu\u017e\u00edvate. Zamera\u0165 sa m\u00f4\u017eete najm\u00e4 na stravu. Mnoho \u013eud\u00ed rob\u00ed ve\u013ek\u00e9 n\u00e1kupy, kde nechaj\u00fa aj desiatky EUR. Lep\u0161ie urob\u00edte ak do obchodu budete chodieva\u0165 \u010dastej\u0161ie a\u00a0nak\u00fapite len potrebn\u00e9 veci na 2 dni dopredu.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hospod\u00e1renie s financiami","item":"https:\/\/www.masko.sk\/hospodarenie-s-financiami\/#breadcrumbitem"}]}]