[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bfit.sk\/minat-ak-mate-z-coho-nie-je-problem-ale-treba-mysliet-aj-na-zadne-vratka\/#Article","mainEntityOfPage":"https:\/\/www.bfit.sk\/minat-ak-mate-z-coho-nie-je-problem-ale-treba-mysliet-aj-na-zadne-vratka\/","headline":"M\u00ed\u0148a\u0165, ak m\u00e1te z \u010doho, nie je probl\u00e9m, ale treba myslie\u0165 aj na zadn\u00e9 vr\u00e1tka","name":"M\u00ed\u0148a\u0165, ak m\u00e1te z \u010doho, nie je probl\u00e9m, ale treba myslie\u0165 aj na zadn\u00e9 vr\u00e1tka","description":"Na Slovensku sa priebe\u017ene konaj\u00fa prieskumy o\u00a0finan\u010dnej situ\u00e1cii Slov\u00e1kov a\u00a0v\u00fdsledky posledn\u00e9ho z\u00a0nich uk\u00e1zali, \u017ee v\u00a0m\u00ed\u0148an\u00ed pe\u0148az\u00ed sme konzervat\u00edvni, preto\u017ee polovica z\u00a0n\u00e1s m\u00e1 vopred premyslen\u00e9, do \u010doho investuje. \u017deny s\u00fa v\u00a0m\u00ed\u0148an\u00ed

Pre\u010d\u00edta\u0165M\u00ed\u0148a\u0165, ak m\u00e1te z \u010doho, nie je probl\u00e9m, ale treba myslie\u0165 aj na zadn\u00e9 vr\u00e1tka<\/span><\/a><\/p>","datePublished":"2020-03-07","dateModified":"2024-04-25","author":{"@type":"Person","@id":"https:\/\/www.bfit.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.bfit.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bfit.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bfit.sk\/wp-content\/uploads\/img_a310689_w16888_t1583917540.jpg","url":"https:\/\/www.bfit.sk\/wp-content\/uploads\/img_a310689_w16888_t1583917540.jpg","height":0,"width":0},"url":"https:\/\/www.bfit.sk\/minat-ak-mate-z-coho-nie-je-problem-ale-treba-mysliet-aj-na-zadne-vratka\/","about":["Financie"],"wordCount":444,"articleBody":"Na Slovensku sa priebe\u017ene konaj\u00fa prieskumy o\u00a0finan\u010dnej situ\u00e1cii Slov\u00e1kov a\u00a0v\u00fdsledky posledn\u00e9ho z\u00a0nich uk\u00e1zali, \u017ee v\u00a0m\u00ed\u0148an\u00ed pe\u0148az\u00ed sme konzervat\u00edvni, preto\u017ee polovica z\u00a0n\u00e1s m\u00e1 vopred premyslen\u00e9, do \u010doho investuje. \u017deny s\u00fa v\u00a0m\u00ed\u0148an\u00ed spont\u00e1nnej\u0161ie a\u00a0\u013eah\u0161ie sa nechaj\u00fa presved\u010di\u0165 reklamn\u00fdmi \u0165ahmi v\u00fdrobcov na bezhlav\u00e9 nakupovanie. Prieskum tvrd\u00ed, \u017ee 40% obyvate\u013eov Slovenska pl\u00e1nuje min\u00fa\u0165 ur\u010dit\u00fd bal\u00edk pe\u0148az\u00ed, no nakoniec min\u00fa ove\u013ea viac.\u00a0Pomaly sa st\u00e1vame zodpovednej\u0161\u00ed Pote\u0161uj\u00face je, \u017ee medziro\u010dne sme v\u00a0nakladan\u00ed s\u00a0peniazmi o\u00a0nie\u010do zodpovednej\u0161\u00ed a\u00a0rastie aj po\u010det \u013eud\u00ed, ktor\u00ed sa sna\u017eia ma\u0165 svoje peniaze pod kontrolou. Hovoria o\u00a0tom \u010d\u00edsla, pod\u013ea ktor\u00fdch pod\u013ea priznan\u00ed Slov\u00e1kov a\u017e 86% z\u00a0nich m\u00e1 preh\u013ead o\u00a0svojej finan\u010dnej situ\u00e1cii. Tretina z\u00a0nich v\u0161ak hovor\u00ed, \u017ee sa im ob\u010das vypr\u00e1zdni \u00fa\u010det a\u00a0ani netu\u0161ia ako. N\u00e1kup n\u00e1kladn\u00fdch vec\u00ed je pre n\u00e1s d\u00f4vodom na \u0161etrenie, a\u017e 40% z\u00a0n\u00e1s si na ne \u0161etr\u00ed a\u00a0ich n\u00e1kup viac prehodnocujeme ako napr\u00edklad n\u00e1kupy oble\u010denia \u010di potrav\u00edn, pri ktor\u00fdch asi dve tretiny obyvate\u013eov v\u00e1ha menej. Dlhodob\u00e9 finan\u010dn\u00e9 pl\u00e1ny si v\u0161ak rob\u00ed len mal\u00e9 percento \u013eud\u00ed a\u00a0takmer polovica si pl\u00e1nuje svoje mesa\u010dn\u00e9 v\u00fddavky. \u0160tatistick\u00fd in\u0161tit\u00fat v\u0161ak tvrd\u00ed, \u017ee len 9% je tak\u00fdch, ktor\u00ed dok\u00e1\u017eu tieto svoje pl\u00e1ny aj zrealizova\u0165.\u00a0Menej, ale pravidelnePredt\u00fdm ako za\u010dnete tvori\u0165 svoj dom\u00e1ci finan\u010dn\u00fd pl\u00e1n, mali by ste aspo\u0148 dva mesiace vopred sledova\u0165 v\u0161etky svoje v\u00fddavky a\u00a0minut\u00e9 peniaze si zapisova\u0165 na \u010do konkr\u00e9tne boli vynalo\u017een\u00e9. Odklada\u0165 si m\u00f4\u017eete aj men\u0161ie sumy, pravidelnos\u0165 je v\u0161ak podmienkou, aby ste si dok\u00e1zali vytvori\u0165 rezervu na obdobie neo\u010dak\u00e1van\u00fdch v\u00fddavkov alebo na splnenie svojich cie\u013eov ako je lep\u0161ie b\u00fdvanie \u010di \u0161t\u00fadium det\u00ed. Spori\u0165 treba v\u00a0\u010dasoch vlastnej ekonomickej aktivity, preto\u017ee vtedy m\u00e1te z\u00a0\u010doho. Minim\u00e1lna v\u00fd\u0161ka je pod\u013ea odborn\u00edkov z\u00a0finan\u010dn\u00fdch kruhov asi 10% z\u00a0\u010dist\u00e9ho pr\u00edjmu.\u00a0Trpezlivos\u0165 sa vyplat\u00edVybudovanie ak\u00e9hoko\u013evek n\u00e1vyku pod\u013ea odborn\u00edkov trv\u00e1 priemerne asi 21 dn\u00ed, no v\u00a0pr\u00edpade financi\u00ed to m\u00f4\u017ee by\u0165 aj vy\u0161e 66 dn\u00ed, \u010do je viac ako dva mesiace. Je preto d\u00f4le\u017eit\u00e9 vo svojom odhodlan\u00ed vytrva\u0165 a\u00a0neskon\u010di\u0165 hne\u010f po nieko\u013ek\u00fdch d\u0148och, v\u00fdsledok ur\u010dite bude st\u00e1\u0165 za to. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00ed\u0148a\u0165, ak m\u00e1te z \u010doho, nie je probl\u00e9m, ale treba myslie\u0165 aj na zadn\u00e9 vr\u00e1tka","item":"https:\/\/www.bfit.sk\/minat-ak-mate-z-coho-nie-je-problem-ale-treba-mysliet-aj-na-zadne-vratka\/#breadcrumbitem"}]}]