[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.strakon-st.cz\/jak-usetrit-penize\/#Article","mainEntityOfPage":"https:\/\/www.strakon-st.cz\/jak-usetrit-penize\/","headline":"Jak u\u0161et\u0159it pen\u00edze","name":"Jak u\u0161et\u0159it pen\u00edze","description":"Samoz\u0159ejm\u011b je v\u017edy nejlep\u0161\u00ed m\u00edt pro nenad\u00e1l\u00e9 p\u0159\u00edpady vy\u010dlen\u011bnu finan\u010dn\u00ed rezervu. Kde ji ale vz\u00edt, kdy\u017e je v\u0161echno tak drah\u00e9, a p\u0159\u00edjem tak n\u00edzk\u00fd? To je probl\u00e9m, kter\u00fd \u0159e\u0161\u00ed mnoho lid\u00ed. Je to i jeden z d\u016fvod\u016f, pro\u010d padaj\u00ed do dluhov\u00e9 pasti. Jak se j\u00ed vyhnout? Pom\u016f\u017ee n\u011bkolik jednoduch\u00fdch krok\u016f.","datePublished":"2019-10-25","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.strakon-st.cz\/author\/#Person","name":"","url":"https:\/\/www.strakon-st.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"strakon-st.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.strakon-st.cz\/wp-content\/uploads\/img_a358176_w3290_t1572440718.jpg","url":"https:\/\/www.strakon-st.cz\/wp-content\/uploads\/img_a358176_w3290_t1572440718.jpg","height":0,"width":0},"url":"https:\/\/www.strakon-st.cz\/jak-usetrit-penize\/","about":["Pen\u00edze"],"wordCount":631,"articleBody":"Samoz\u0159ejm\u011b je v\u017edy nejlep\u0161\u00ed m\u00edt pro nenad\u00e1l\u00e9 p\u0159\u00edpady vy\u010dlen\u011bnu finan\u010dn\u00ed rezervu. Kde ji ale vz\u00edt, kdy\u017e je v\u0161echno tak drah\u00e9, a p\u0159\u00edjem tak n\u00edzk\u00fd? To je probl\u00e9m, kter\u00fd \u0159e\u0161\u00ed mnoho lid\u00ed. Je to i jeden z d\u016fvod\u016f, pro\u010d padaj\u00ed do dluhov\u00e9 pasti. Jak se j\u00ed vyhnout? Pom\u016f\u017ee n\u011bkolik jednoduch\u00fdch krok\u016f.  Prvn\u00edm je ud\u011blat si tabulku p\u0159\u00edjm\u016f a nutn\u00fdch v\u00fddaj\u016f. Do jednoho sloupce si zapi\u0161te spole\u010dn\u00fd p\u0159\u00edjem dom\u00e1cnosti. Do druh\u00e9ho v\u0161echny nutn\u00e9 v\u00fddaje, jako n\u00e1jem, energie, r\u016fzn\u00e9 poplatky \u010di j\u00eddlo. Nyn\u00ed tuto \u010d\u00e1stku ode\u010dt\u011bte od p\u0159\u00edjm\u016f. Ide\u00e1ln\u011b byste m\u011bli b\u00fdt st\u00e1le v plusov\u00fdch hodnot\u00e1ch, co\u017e znamen\u00e1, \u017ee by v\u00e1m n\u011bjak\u00e1, by\u0165 minim\u00e1ln\u00ed, \u010d\u00e1stka m\u011bla zb\u00fdt. Z t\u00e9to \u010d\u00e1stky si vezm\u011bte polovinu, a ka\u017ed\u00fd m\u011bs\u00edc si ji d\u00e1vejte stranou. P\u0159ed ka\u017ed\u00fdm n\u00e1kupem se nav\u00edc rozmyslete: opravdu to nutn\u011b pot\u0159ebuji? Opravdu pot\u0159ebuji nov\u00fd mobiln\u00ed telefon? Pokud ano (nap\u0159\u00edklad z d\u016fvodu, \u017ee se ten star\u00fd rozbil), pot\u0159ebuji smartphone? Nebo sta\u010d\u00ed oby\u010dejn\u00fd star\u00fd telefon? Dal\u0161\u00ed ot\u00e1zkou, kterou byste si m\u011bli polo\u017eit, je: jak u\u0161et\u0159it na nutn\u00fdch v\u00fddaj\u00edch? M\u00e1me opravdu ty nejv\u00fdhodn\u011bj\u0161\u00ed ceny energi\u00ed, kter\u00e9 m\u016f\u017eeme m\u00edt? Mus\u00edm to pr\u00e1ce jezdit autem, nebo m\u016f\u017eu j\u00edt p\u011b\u0161ky? Pokud je to daleko, je levn\u011bj\u0161\u00ed automobil, nebo se v dlouhodob\u00e9m horizontu vyplat\u00ed sp\u00ed\u0161 hromadn\u00e1 doprava? Co se j\u00eddla t\u00fd\u010de, mus\u00edme chodit ka\u017ed\u00fd t\u00fdden do restaurace nebo do fastfoodu? Mus\u00edme m\u00edt ka\u017ed\u00fd den maso? I takov\u00e9to ot\u00e1zky v\u00e1m pomohou n\u00e1klady razantn\u011b sn\u00ed\u017eit. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b se sna\u017ete d\u00e1t ka\u017ed\u00fd m\u011bs\u00edc alespo\u0148 minim\u00e1ln\u00ed \u010d\u00e1stku u\u0161et\u0159it a d\u00e1t ji do krabi\u010dky \u201epro str\u00fd\u010dka p\u0159\u00edhodu\u201c. Uvid\u00edte, \u017ee \u010dasem tato \u010d\u00e1stka p\u011bkn\u011b naroste. Probl\u00e9m je, aby inflace nerostla rychleji, ne\u017e ona suma. Proto je v\u00fdhodn\u00e9 d\u00e1vat si tyto u\u0161et\u0159en\u00e9 pen\u00edze na speci\u00e1ln\u00ed b\u011b\u017en\u00fd \u00fa\u010det, kde se v\u00e1m budou \u00faro\u010dit. Dnes ji\u017e existuj\u00ed \u00fa\u010dty bez poplatk\u016f za veden\u00ed, tak\u017ee o sv\u00e9 pen\u00edze nep\u0159ijdete. Tuto vytvo\u0159enou finan\u010dn\u00ed rezervu pou\u017e\u00edvejte opravdu pouze ve chv\u00edli, kdy je to opravdu pot\u0159eba. A koup\u011b nov\u00e9 televize, kdy\u017e ta star\u00e1 je\u0161t\u011b funguje, mezi krizov\u00e9 situace opravdu nepat\u0159\u00ed. S t\u00edm souvis\u00ed i dal\u0161\u00ed bod, tedy p\u0159em\u00fd\u0161let v dlouhodob\u00e9m, nikoliv kr\u00e1tkodob\u00e9m horizontu. Nap\u0159\u00edklad pot\u0159ebujeme novou sk\u0159\u00ed\u0148. V\u011bt\u0161ina z n\u00e1s automaticky s\u00e1hne po t\u00e9 nejlevn\u011bj\u0161\u00ed. Cena v\u0161ak v t\u011bchto p\u0159\u00edpadech obvykle b\u00fdv\u00e1 na \u00fakor kvality, tak\u017ee ona sk\u0159\u00ed\u0148 v\u00e1m bude poskytovat slu\u017ebu pouze n\u011bkolik m\u00e1lo let, ne\u017e se za\u010dne rozpadat, a bude pot\u0159eba koupit novou. V tomto p\u0159\u00edpad\u011b se vyplat\u00ed investovat v\u00edce a koupit kvalitn\u00ed n\u00e1bytek, kter\u00fd bude d\u011blat slu\u017ebu des\u00edtky let. Ov\u0161em pozor \u2013 nejdra\u017e\u0161\u00ed neznamen\u00e1 nutn\u011b nejkvalitn\u011bj\u0161\u00ed. Proto je p\u0159ed koup\u00ed nutno ud\u011blat pr\u016fzkum a zjistit, kter\u00fd produkt je nejkvalitn\u011bj\u0161\u00ed, bez ohledu na cenu. V dlouhodob\u00e9m horizontu se to vyplat\u00ed. Nyn\u00ed ji\u017e v\u00edte, jak u\u0161et\u0159it m\u011bs\u00ed\u010dn\u011b alespo\u0148 n\u011bjakou \u010d\u00e1stku. A posledn\u00ed rada na z\u00e1v\u011br, pokud se nejedn\u00e1 opravdu o krizovou, \u017eivot ohro\u017euj\u00edc\u00ed situaci, neberte si p\u016fj\u010dku. To je cesta do pekla.                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak u\u0161et\u0159it pen\u00edze","item":"https:\/\/www.strakon-st.cz\/jak-usetrit-penize\/#breadcrumbitem"}]}]