[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.banske.sk\/rezervne-peniaze-v-bankach\/#Article","mainEntityOfPage":"https:\/\/www.banske.sk\/rezervne-peniaze-v-bankach\/","headline":"Rezervn\u00e9 peniaze v bank\u00e1ch","name":"Rezervn\u00e9 peniaze v bank\u00e1ch","description":"Od momentu, ke\u010f zarob\u00edme svoje prv\u00e9 peniaze, zaober\u00e1me sa my\u0161lienkou- ako ich rozdeli\u0165? Samozrejme prioritu maj\u00fa na\u0161e fixn\u00e9 v\u00fddavky, s ktor\u00fdmi nevieme pohn\u00fa\u0165 a ktor\u00e9 plati\u0165- \u010di chceme \u010di nie- jednoducho mus\u00edme. Mus\u00edme plati\u0165: \u00b7 B\u00fdvanie \u00b7 Elektriku \u00b7 Teplo \u00b7 Vodu \u00b7 Poplatok za v\u00fdvoz komun\u00e1lneho odpadu \u00b7 Dane za nehnute\u013enos\u0165( ak ju vlastn\u00edme) \u00b7 Oble\u010denie \u00b7 Prostriedky na hygienu \u00b7 Jedlo Hore uveden\u00e9 v\u00fddavky s\u00fa nutn\u00e9- ich v\u00fd\u0161ku s v\u00fdnimkou jedla nevieme ovplyvni\u0165. Ko\u013eko pe\u0148az\u00ed n\u00e1s bude st\u00e1\u0165 strava ovplyvni\u0165 vieme. Ak je na\u0161a k\u00f4pka pe\u0148az\u00ed mal\u00e1 \u2013 je ur\u010dite lep\u0161ie jedlo navari\u0165 doma a nechodi\u0165 do re\u0161taur\u00e1cie.  <br \/><br \/><a href=\"https:\/\/www.banske.sk\/rezervne-peniaze-v-bankach\/\" class=\"btn-read\">Continue reading<\/a>","datePublished":"2018-09-27","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.banske.sk\/author\/#Person","name":"banske.sk\n","url":"https:\/\/www.banske.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"banske.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.banske.sk\/wp-content\/uploads\/img_a291103_w16497_t1536843213.jpg","url":"https:\/\/www.banske.sk\/wp-content\/uploads\/img_a291103_w16497_t1536843213.jpg","height":0,"width":0},"url":"https:\/\/www.banske.sk\/rezervne-peniaze-v-bankach\/","about":["Slu\u017eby"],"wordCount":469,"articleBody":"Od momentu, ke\u010f zarob\u00edme svoje prv\u00e9 peniaze, zaober\u00e1me sa my\u0161lienkou- ako ich rozdeli\u0165? Samozrejme prioritu maj\u00fa na\u0161e fixn\u00e9 v\u00fddavky, s ktor\u00fdmi nevieme pohn\u00fa\u0165 a ktor\u00e9 plati\u0165- \u010di chceme \u010di nie- jednoducho mus\u00edme. Mus\u00edme plati\u0165: \u00b7 B\u00fdvanie \u00b7 Elektriku \u00b7 Teplo \u00b7 Vodu \u00b7 Poplatok za v\u00fdvoz komun\u00e1lneho odpadu \u00b7 Dane za nehnute\u013enos\u0165( ak ju vlastn\u00edme) \u00b7 Oble\u010denie \u00b7 Prostriedky na hygienu \u00b7 Jedlo Hore uveden\u00e9 v\u00fddavky s\u00fa nutn\u00e9- ich v\u00fd\u0161ku s v\u00fdnimkou jedla nevieme ovplyvni\u0165. Ko\u013eko pe\u0148az\u00ed n\u00e1s bude st\u00e1\u0165 strava ovplyvni\u0165 vieme. Ak je na\u0161a k\u00f4pka pe\u0148az\u00ed mal\u00e1 \u2013 je ur\u010dite lep\u0161ie jedlo navari\u0165 doma a nechodi\u0165 do re\u0161taur\u00e1cie. Ak m\u00e1me t\u00fa v\u00fdhodu, \u017ee n\u00e1m zamestn\u00e1vate\u013e prispieva na stravu- potom sa Va\u0161e v\u00fddavky na \u0148u zn\u00ed\u017eia. Sta\u010d\u00ed si k\u00fapi\u0165 nie\u010do na ra\u0148ajky a ve\u010deru a pracovn\u00fd t\u00fd\u017ede\u0148 je za nami. Cez v\u00edkend si rad\u0161ej nie\u010do navarme- je to lacnej\u0161ie a aj zdrav\u0161ie. Ak aj potom n\u00e1m ostan\u00fa peniaze te\u0161\u00edme sa a rozm\u00fd\u0161\u013eame \u2013\u010do s nimi? \u00b7 Chceme \u00eds\u0165 na dovolenku \u00b7 Chceme si k\u00fapi\u0165 nie\u010do do bytu \u00b7 Chceme si odklada\u0165 na vlastn\u00e9 b\u00fdvanie \u00b7 Chceme ma\u0165 rezervu pre pr\u00edpad choroby, \u010di \u00farazu \u00b7 Chceme si k\u00fapi\u0165 auto \u00b7 Chceme&#8230; Mohli by sme veru dlho vymenov\u00e1va\u0165 \u010do v\u0161etko by sme chceli. Plat\u00ed zlat\u00e9 pravidlo- \u010das\u0165 pe\u0148az\u00ed,ktor\u00e9 sa ti zv\u00fd\u0161ili daj na poistenie,\u010das\u0165 na dlhodob\u00e9 sporenie, \u010das\u0165 na kr\u00e1tkodob\u00e9 sporenie-  \u00b7 Poistka ti zaist\u00ed istotu po\u010das choroby. Daj si pri jej v\u00fdbere z\u00e1le\u017ea\u0165. Aj za m\u00e1lo pe\u0148az\u00ed sa d\u00e1 urobi\u0165 slu\u0161n\u00e9 poistenie nielen pre pr\u00edpad \u00famrtia, ale aj ke\u010f choroba trv\u00e1 viac ako mesiac. \u00b7 Dlhodob\u00e9 sporenie si zvo\u013e tak, aby \u00faro\u010denie bolo priemern\u00e9. Necho\u010f do ve\u013ek\u00e9ho investi\u010dn\u00e9ho rizika- mohol by si o ve\u013ea pr\u00eds\u0165. \u00b7 Kr\u00e1tkodob\u00e9 sporenie je ur\u010den\u00e9 na to, aby sme si mohli nie\u010do v doh\u013eadnej dobe k\u00fapi\u0165, alebo \u00eds\u0165 na dovolenku. V\u0161etko z\u00e1vis\u00ed od v\u00fd\u0161ky pr\u00edjmov a od na\u0161ej discipl\u00edny. D\u00e1 sa na\u0161etri\u0165 skoro v\u017edy- iba treba ma\u0165 cie\u013e a nem\u00ed\u0148a\u0165 zbyto\u010dne peniaze. Nechodi\u0165 do supermarketov a hypermarketov na prech\u00e1dzku- zaiste by n\u00e1s tam nie\u010do nepotrebn\u00e9, alebo m\u00e1lo potrebn\u00e9 zl\u00e1kalo. Utrie\u010fme si v hlave \u010do naozaj potrebujeme, \u010do je na\u0161\u00edm kr\u00e1tkodob\u00fdm cie\u013eom a \u010do by sme chceli ma\u0165 v horizonte nieko\u013ek\u00fdch rokov. Nebojme sa sn\u00edva\u0165, nebojme sa ma\u0165 vysok\u00e9 ciele a pl\u00e1ny. Iba tak sa k n\u00edm pribl\u00ed\u017eime, iba tak sa prin\u00fatime myslie\u0165 ekonomicky.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rezervn\u00e9 peniaze v bank\u00e1ch","item":"https:\/\/www.banske.sk\/rezervne-peniaze-v-bankach\/#breadcrumbitem"}]}]