{"id":5531,"date":"2024-11-06T13:49:27","date_gmt":"2024-11-06T12:49:27","guid":{"rendered":"https:\/\/legacy.banksandsaving.com\/?p=5531"},"modified":"2024-11-06T13:49:47","modified_gmt":"2024-11-06T12:49:47","slug":"pravidlo-50-20-30-jak-usetrit-penize-doma","status":"publish","type":"post","link":"https:\/\/legacy.banksandsaving.com\/cs\/pravidlo-50-20-30-jak-usetrit-penize-doma\/","title":{"rendered":"Pravidlo 50-20-30: jak u\u0161et\u0159it pen\u00edze doma?"},"content":{"rendered":"

Pokud proch\u00e1z\u00edte finan\u010dn\u00ed kriz\u00ed,\u00a0<\/span>osobn\u00ed p\u016fj\u010dky<\/span>\u00a0mohou b\u00fdt v\u010dasn\u00fdm \u0159e\u0161en\u00edm, jak se dostat z ba\u017einy. Je v\u0161ak d\u016fle\u017eit\u00e9 m\u00edt dobrou kapacitu spo\u0159en\u00ed, abyste mohli \u010delit jak\u00e9koli eventualit\u011b vlastn\u00edm kapit\u00e1lem, a vyhnout se tak placen\u00ed \u00farok\u016f a dal\u0161\u00edch v\u00fddaj\u016f.<\/span><\/p>\n

V p\u0159\u00edpad\u011b, \u017ee p\u0159em\u00fd\u0161l\u00edte,\u00a0<\/span>jak doma skute\u010dn\u011b u\u0161et\u0159it pen\u00edze\u00a0<\/span><\/b>, doporu\u010dujeme v\u00e1m pod\u00edvat se na\u00a0<\/span>pravidlo 50\/20\/30\u00a0<\/span><\/b>.<\/span><\/p>\n

Je to taktika u\u0161et\u0159it pen\u00edze, kter\u00e1 funguje, i kdy\u017e to vy\u017eaduje velmi konkr\u00e9tn\u00ed pl\u00e1nov\u00e1n\u00ed a zm\u011bnu na\u0161ich n\u00e1vyk\u016f.<\/span><\/p>\n

Chcete-li v\u011bd\u011bt v\u0161e o tomto pravidle, pokra\u010dujte ve \u010dten\u00ed:<\/span><\/p>\n

\n

\n<\/div>\n

Co je to pravidlo 50\/20\/30 a jak s n\u00edm doma u\u0161et\u0159it?<\/span><\/b><\/span><\/h2>\n

 <\/p>\n

Pravidlo 50\/20\/30 je zalo\u017eeno na\u00a0<\/span>prostudov\u00e1n\u00ed a rozd\u011blen\u00ed m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f\u00a0<\/span><\/b>na r\u016fzn\u00e1 procenta. Abychom zjistili, jak s n\u00edm doma u\u0161et\u0159it pen\u00edze, mus\u00edme v\u011bd\u011bt, \u010demu ka\u017ed\u00fd z nich odpov\u00edd\u00e1:<\/span><\/p>\n

    \n
  • 50 %:\u00a0<\/span><\/b>toto procento na\u0161eho p\u0159\u00edjmu mus\u00ed b\u00fdt pou\u017eito na pokryt\u00ed na\u0161ich\u00a0<\/span>prim\u00e1rn\u00edch pot\u0159eb\u00a0<\/span><\/b>.<\/span><\/li>\n
  • 30 %:\u00a0<\/span><\/b>odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stku m\u016f\u017eeme pou\u017e\u00edt k l\u00e9\u010db\u011b, i kdy\u017e je lep\u0161\u00ed m\u00edt rezervu pro p\u0159\u00edpad, \u017ee bychom ji pot\u0159ebovali.<\/span><\/li>\n
  • 20 %:\u00a0<\/span><\/b>Nakonec toto procento pou\u017eijeme k \u00faspor\u00e1m do budoucna.<\/span><\/li>\n<\/ul>\n

    Nejlep\u0161\u00ed na t\u00e9to metod\u011b je, \u017ee je nejen pova\u017eov\u00e1na za zdroj, jak u\u0161et\u0159it pen\u00edze doma, ale umo\u017e\u0148uje tak\u00e9 \u00fa\u010dinnou\u00a0<\/span>kontrolu\u00a0<\/span><\/b>bez mu\u010den\u00ed. A jedin\u00e9, co budeme muset ud\u011blat, je postupovat podle vzorce\u00a0<\/span>v\u00fddaje \u2013 p\u0159\u00edjmy = celkov\u00e9 \u00faspory,<\/span><\/i>\u00a0abychom provedli p\u0159\u00edslu\u0161n\u00e9 v\u00fdpo\u010dty.<\/span><\/p>\n

     <\/p>\n

    \"jak<\/p>\n

     <\/p>\n

    Kl\u00ed\u010dov\u00e9 tipy pro aplikaci pravidla 50\/20\/30<\/span><\/b><\/span><\/h2>\n

    Pokud jste se rozhodli vyzkou\u0161et v\u0161e, abyste zjistili, jak doma skute\u010dn\u011b u\u0161et\u0159it,\u00a0<\/span>m\u016f\u017ee b\u00fdt pro v\u00e1s\u00a0<\/span>Pravidlo 50\/20\/30 .\u00a0<\/span><\/b>P\u0159esto\u017ee ji\u017e m\u00e1te v\u0161e, co pot\u0159ebujete, abyste na tom mohli za\u010d\u00edt samostatn\u011b pracovat, zde je n\u011bkolik tip\u016f, kter\u00e9 v\u00e1m to usnadn\u00ed:<\/span><\/p>\n

    Pravidlo 50\/20\/30 je obl\u00edben\u00fdm pr\u016fvodcem, kter\u00fd pom\u00e1h\u00e1 lidem efektivn\u011b spravovat sv\u00e9 pen\u00edze. Pravidlo navrhuje, \u017ee alespo\u0148 50 % va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu by m\u011blo j\u00edt na z\u00e1kladn\u00ed v\u00fddaje, jako je bydlen\u00ed, j\u00eddlo a doprava. 20 % by m\u011blo b\u00fdt p\u0159id\u011bleno na \u00faspory a investice a zb\u00fdvaj\u00edc\u00edch 30 % lze pou\u017e\u00edt na dobrovoln\u00e9 v\u00fddaje, jako je z\u00e1bava a dovolen\u00e1. Zde je n\u011bkolik tip\u016f, jak dodr\u017eovat pravidlo 50\/20\/30:<\/span><\/p>\n

     <\/p>\n

    1. Ud\u011blejte si rozpo\u010det<\/span><\/b><\/span><\/h3>\n

    Prvn\u00edm krokem k dodr\u017eov\u00e1n\u00ed pravidla 50\/20\/30 je\u00a0<\/span>zn\u00e1t sv\u00e9 p\u0159\u00edjmy a v\u00fddaje\u00a0<\/span><\/b>. Ud\u011blejte si podrobn\u00fd rozpo\u010det v\u0161ech sv\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f a za\u0159a\u010fte je do z\u00e1kladn\u00edch kategori\u00ed, \u00faspory a investice a v\u00fddaje.<\/span><\/p>\n

    Mnoh\u00e9 ze sv\u00fdch ka\u017edodenn\u00edch v\u00fddaj\u016f prov\u00e1d\u00edme nev\u011bdom\u011b, tak\u017ee si je nikdy nebudeme zapisovat.<\/span><\/p>\n

    Nev\u00e1hejte zkontrolovat sv\u016fj bankovn\u00ed \u00fa\u010det, abyste si vytvo\u0159ili tento seznam. Pokud obvykle plat\u00edte za v\u011bci v hotovosti, je lep\u0161\u00ed m\u00edt u sebe mal\u00fd blok, abyste m\u011bli pod kontrolou, kam va\u0161e pen\u00edze jdou.<\/span><\/p>\n

     <\/p>\n

    2. Up\u0159ednostn\u011bte z\u00e1kladn\u00ed v\u00fddaje:<\/span><\/b><\/span><\/h3>\n

    Pamatujte, \u017ee\u00a0<\/span>50 % va\u0161ich p\u0159\u00edjm\u016f mus\u00ed b\u00fdt alokov\u00e1no na z\u00e1kladn\u00ed v\u00fddaje\u00a0<\/span><\/b>, tak\u017ee je d\u016fle\u017eit\u00e9 je up\u0159ednostnit.<\/span><\/p>\n

    To znamen\u00e1, \u017ee budete muset vyhodnotit, kter\u00e9 jsou nejv\u011bt\u0161\u00ed v\u00fddaje. Jakmile si je uv\u011bdom\u00edte, budete muset hledat zp\u016fsoby, jak je omezit.<\/span><\/p>\n

      \n
    • Pokud nap\u0159\u00edklad plat\u00edte vysok\u00e9 n\u00e1jemn\u00e9, m\u016f\u017eete se pokusit promluvit s pronaj\u00edmatelem, aby jej sn\u00ed\u017eil.<\/span><\/li>\n
    • Pokud se chyst\u00e1te hodn\u011b j\u00edst, je \u010das se um\u00edrnit a j\u00edst v\u00edce doma.<\/span><\/li>\n
    • Jednou z metod,\u00a0<\/span>jak u\u0161et\u0159it doma pen\u00edze\u00a0<\/span><\/b>, je sn\u00ed\u017eit n\u00e1klady na p\u0159edplatn\u00e9, kter\u00e9 m\u016f\u017eete m\u00edt aktivn\u00ed. Jsou to pen\u00edze, kter\u00e9 si te\u010f nem\u016f\u017eete dovolit ztratit.<\/span><\/li>\n<\/ul>\n

       <\/p>\n

      3. Vytvo\u0159te si pl\u00e1n spo\u0159en\u00ed<\/span><\/b><\/span><\/h3>\n

      20 % z va\u0161ich p\u0159\u00edjm\u016f m\u016f\u017eete pou\u017e\u00edt na sebe, i kdy\u017e je v\u00edce ne\u017e vhodn\u00e9 je v\u011bnovat na\u00a0<\/span>spo\u0159en\u00ed a investice<\/span><\/b><\/p>\n

      Vytvo\u0159te si podrobn\u00fd pl\u00e1n spo\u0159en\u00ed<\/span>\u00a0, abyste m\u011bli jistotu, \u017ee ka\u017ed\u00fd m\u011bs\u00edc spo\u0159\u00edte dostatek. Zva\u017ete vytvo\u0159en\u00ed nouzov\u00e9ho spo\u0159\u00edc\u00edho \u00fa\u010dtu a investici do penzijn\u00edho pl\u00e1nu.<\/span><\/p>\n

      Nyn\u00ed, kdy\u017e tento pl\u00e1n,\u00a0<\/span>jak u\u0161et\u0159it doma pen\u00edze,\u00a0<\/span><\/b>skute\u010dn\u011b funguje, je d\u016fle\u017eit\u00e9 se ovl\u00e1dat, ale nem\u016f\u017eete \u017e\u00edt ani s nepohodl\u00ed. V p\u0159\u00edpad\u011b, \u017ee si pot\u0159ebujete odpo\u010dinout od sv\u00e9ho ka\u017edodenn\u00edho \u017eivota, pamatujte, \u017ee m\u00e1te 20 % sv\u00e9ho rozpo\u010dtu, kter\u00e9 m\u016f\u017eete v\u011bnovat na trochu l\u00e9\u010den\u00ed.<\/span><\/p>\n

      B\u00fdt p\u0159\u00edli\u0161 p\u0159\u00edsn\u00fd na \u00faspory v\u00e1m ve va\u0161em c\u00edli nepom\u016f\u017ee, sp\u00ed\u0161e naopak.<\/span><\/p>\n

       <\/p>\n

      4. Kontrolujte diskre\u010dn\u00ed v\u00fddaje<\/span><\/b><\/span><\/h3>\n

      Diskre\u010dn\u00ed v\u00fddaje\u00a0<\/span><\/b>jsou\u00a0<\/span>probl\u00e9mem, proto\u017ee jsou pova\u017eov\u00e1ny za prvn\u00edho nep\u0159\u00edtele va\u0161eho c\u00edle, jak u\u0161et\u0159it doma pen\u00edze. Mluv\u00edme o pen\u011bz\u00edch, kter\u00e9 miz\u00ed, ani\u017e bychom si to uv\u011bdomovali, a d\u016fvodem je, \u017ee jsou obvykle \u00fazce spjaty s na\u0161\u00edm sebev\u011bdom\u00edm (obvykle n\u00e1s pot\u011b\u0161\u00ed, kdy\u017e si n\u011bco koup\u00edme).<\/span><\/p>\n

      \u00a0Zb\u00fdvaj\u00edc\u00edch 30 % va\u0161eho p\u0159\u00edjmu m\u016f\u017eete pou\u017e\u00edt na dobrovoln\u00e9 v\u00fddaje, jako je z\u00e1bava a dovolen\u00e1. Je v\u0161ak d\u016fle\u017eit\u00e9 tyto v\u00fddaje sledovat, abyste se ujistili, \u017ee se p\u0159\u00edli\u0161 nevzd\u00e1l\u00edte od pravidla 50\/20\/30. Zva\u017ete nastaven\u00ed\u00a0<\/span>m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu\u00a0<\/span><\/b>pro sv\u00e9 dobrovoln\u00e9 v\u00fddaje a sna\u017ete se jej dodr\u017eet.<\/span><\/p>\n

       <\/p>\n

      5. Pou\u017e\u00edvejte automatizovan\u00e9 n\u00e1stroje<\/span><\/b><\/span><\/h3>\n

       <\/p>\n

      Efektivn\u00ed zp\u016fsob, jak zajistit, \u017ee u\u0161et\u0159\u00edte 20 % sv\u00fdch p\u0159\u00edjm\u016f, je automatizace procesu.\u00a0<\/span>Automatiza\u010dn\u00ed n\u00e1stroje\u00a0<\/span><\/b>jsou\u00a0<\/span>efektivn\u00edm zdrojem,\u00a0<\/span>jak u\u0161et\u0159it doma pen\u00edze\u00a0<\/span><\/b>, proto\u017ee nejprve z\u00e1le\u017e\u00ed jen na v\u00e1s a pak m\u016f\u017eete zapomenout, \u017ee jsou aktivn\u00ed.<\/span><\/p>\n

      Napl\u00e1nujte si, \u017ee \u010d\u00e1st va\u0161eho p\u0159\u00edjmu bude ka\u017ed\u00fd m\u011bs\u00edc automaticky p\u0159evedena na spo\u0159ic\u00ed \u00fa\u010det. Je velmi pravd\u011bpodobn\u00e9, \u017ee va\u0161e banka v\u00e1m umo\u017e\u0148uje vytv\u00e1\u0159et\u00a0<\/span>pen\u011b\u017eenky\u00a0<\/span><\/b>, kde m\u016f\u017eete tyto \u00faspory hromadit.<\/span><\/p>\n

      T\u00edmto zp\u016fsobem se nebudete muset starat o ru\u010dn\u00ed p\u0159evod pen\u011bz ka\u017ed\u00fd m\u011bs\u00edc.<\/span><\/p>\n

       <\/p>\n

      Postupujte podle t\u011bchto tip\u016f a uvid\u00edte,\u00a0<\/span>jak\u00a0<\/span>u\u0161et\u0159it<\/span>\u00a0pen\u00edze doma\u00a0<\/span><\/b>. Pravidlo\u00a0<\/span>50\/20\/30\u00a0<\/span><\/b>funguje v r\u00e1mci spo\u0159\u00edc\u00edch metod velmi dob\u0159e, budete prost\u011b muset p\u0159izp\u016fsobit n\u011bkter\u00e9 sv\u00e9 n\u00e1vyky, abyste z toho vyt\u011b\u017eili maximum.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Pokud proch\u00e1z\u00edte finan\u010dn\u00ed kriz\u00ed,\u00a0osobn\u00ed p\u016fj\u010dky\u00a0mohou b\u00fdt v\u010dasn\u00fdm \u0159e\u0161en\u00edm, jak se dostat z ba\u017einy. Je v\u0161ak d\u016fle\u017eit\u00e9 m\u00edt dobrou kapacitu spo\u0159en\u00ed, abyste mohli \u010delit jak\u00e9koli eventualit\u011b vlastn\u00edm kapit\u00e1lem, a vyhnout se tak placen\u00ed \u00farok\u016f a dal\u0161\u00edch v\u00fddaj\u016f. V p\u0159\u00edpad\u011b, \u017ee p\u0159em\u00fd\u0161l\u00edte,\u00a0jak doma skute\u010dn\u011b u\u0161et\u0159it pen\u00edze\u00a0, doporu\u010dujeme v\u00e1m pod\u00edvat se na\u00a0pravidlo 50\/20\/30\u00a0. Je to taktika u\u0161et\u0159it pen\u00edze, […]<\/p>\n","protected":false},"author":5,"featured_media":4351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","rank_math_lock_modified_date":false,"footnotes":""},"categories":[62],"tags":[],"class_list":["post-5531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uspory"],"_links":{"self":[{"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5531"}],"collection":[{"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/comments?post=5531"}],"version-history":[{"count":2,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5531\/revisions"}],"predecessor-version":[{"id":5537,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5531\/revisions\/5537"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media\/4351"}],"wp:attachment":[{"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media?parent=5531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/categories?post=5531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/legacy.banksandsaving.com\/cs\/wp-json\/wp\/v2\/tags?post=5531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}