{"id":6182,"date":"2019-06-27T00:00:00","date_gmt":"2019-06-26T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/tvorba-financnej-rezervy-nie-je-len-pre-bohatych-prave-naopak\/"},"modified":"2019-06-27T00:00:00","modified_gmt":"2019-06-26T23:00:00","slug":"tvorba-financnej-rezervy-nie-je-len-pre-bohatych-prave-naopak","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/tvorba-financnej-rezervy-nie-je-len-pre-bohatych-prave-naopak\/","title":{"rendered":"Tvorba finan\u010dnej rezervy nie je len pre bohat\u00fdch, pr\u00e1ve naopak"},"content":{"rendered":"<p><strong>V tomto \u010dl\u00e1nku sa dozviete:<\/strong><\/p>\n<ul>\n<li><strong>pre\u010do maj\u00fa rezervy zmysel;<\/strong><\/li>\n<li><strong>ako \u00fa\u010dinne tvori\u0165 rezervy;<\/strong><\/li>\n<li><strong>ako preh\u013eadne sledova\u0165 stav;<\/strong><\/li>\n<li><strong>ako sa pripravi\u0165 pravideln\u00e9 ro\u010dn\u00e9 v\u00fddavky;<\/strong><\/li>\n<li><strong>ako o 100% nav\u00fd\u0161i\u0165 svoju mesa\u010dn\u00fa rezervu.<\/strong><\/li>\n<\/ul>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ma\u0165 finan\u010dn\u00fa rezervu je ako vlastni\u0165 m\u00e4kk\u00fd vank\u00fa\u0161 bezpe\u010dia a istoty. U\u017e star\u00e9 matere toto vedeli a preto odkladali svoje na\u0161etren\u00e9 \u00faspory do pono\u017eky, aby ich v pr\u00edpade n\u00fadze mohli pou\u017ei\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Od tej doby sa sp\u00f4soby vytv\u00e1rania rezerv v\u00fdrazne zmenili. Od pono\u017eiek k bank\u00e1m, ktor\u00e9 pon\u00fakali vkladn\u00e9 kni\u017eky, term\u00ednovan\u00e9 vklady a sporiace \u00fa\u010dty, a\u017e po investi\u010dn\u00e9 spolo\u010dnosti s podielov\u00fdmi fondmi, dlhopismi a akciami.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010co sa ale \u010dasom nikdy nezmen\u00ed je princ\u00edp tvorby rezerv.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na tvorenie rezervy je potrebn\u00e9 pozna\u0165 dva hlavn\u00e9 ukazovatele, a to ko\u013eko mesa\u010dne odklada\u0165 a ak\u00fa rezervu minim\u00e1lne vytvori\u0165. Ide\u00e1lne je, ak z \u010dist\u00e9ho pr\u00edjmu p\u00f4jde <strong>10% na rezervu<\/strong> a fin\u00e1lny obnos financi\u00ed, ktor\u00fd chceme tvori\u0165, bude <strong>aspo\u0148 6-n\u00e1sobok \u010dist\u00e9ho mesa\u010dn\u00e9ho pr\u00edjmu<\/strong>.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><b>Najprv zaplati\u0165 sebe a\u017e potom m\u00ed\u0148a\u0165\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ak sa niekomu nedar\u00ed vytv\u00e1ra\u0165 rezervy, mus\u00ed zmeni\u0165 doteraj\u0161\u00ed sp\u00f4sob fungovania.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Odkladanie pe\u0148az\u00ed, a\u017e ke\u010f mi nie\u010do ostane, nem\u00f4\u017ee by\u0165 nikdy efekt\u00edvne. Preto najprv \u201c<\/span><i><span style=\"font-weight: 400;\">zapla\u0165 sebe\u201d. <\/span><\/i><span style=\"font-weight: 400;\">Hne\u010f po p\u00edpnut\u00ed v\u00fdplaty na \u00fa\u010det je potrebn\u00e9 odlo\u017ei\u0165 stanoven\u00fa v\u00fd\u0161ku rezervy. So zvy\u0161kom pe\u0148az\u00ed sa potom zaplatia \u0161eky, fakt\u00fary, poplatky a n\u00e1klady na \u017eivot.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n <strong>Spo\u010d\u00edtajme si to na jednoduchom pr\u00edklade<\/strong>: ke\u010f si ka\u017ed\u00fd mesiac odlo\u017e\u00edme desa\u0165 percent z v\u00fdplaty, za desa\u0165 mesiacov m\u00e1me na\u0161etren\u00fa jednu cel\u00fa v\u00fdplatu. \u0160es\u0165n\u00e1sobok v\u00fdplaty tak\u00fdmto sp\u00f4sobom na\u0161etr\u00edte za p\u00e4\u0165 rokov.\n<h3><\/h3>\n<h3><b>Nenecha\u0165 v\u0161etko na jednom mieste<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ak sa dar\u00ed odklada\u0165 peniaze, je dobr\u00e9 pou\u017ei\u0165 druh\u00fd princ\u00edp a to \u201c<\/span><i><span style=\"font-weight: 400;\">nenech\u00e1va\u0165 v\u0161etko na jednom mieste\u201d<\/span><\/i><span style=\"font-weight: 400;\">. Ak si niekto tvor\u00ed rezervu na be\u017enom \u00fa\u010dte, m\u00f4\u017ee strati\u0165 preh\u013ead o tom, \u010di sa mu finan\u010dn\u00fd stav zvy\u0161uje alebo nie.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f4\u017ee sa sta\u0165, \u017ee na dlh\u00fd \u010das sa rezerva zafixuje na jednej sume. \u010casto sa stret\u00e1vam s tvrden\u00edm \u201epod tis\u00edc eur na \u00fa\u010dte sa nechcem dostat\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Takto sa \u010dlovek za\u010dne fixova\u0165 na jednu sumu, ktor\u00e1 mu za\u010dne vyhovova\u0165, ale sta\u010d\u00ed to? Preto, ak sa peniaze na rezervu presmeruj\u00fa na in\u00fd \u00fa\u010det (pod\u00fa\u010det), \u013eah\u0161ie sa bude sledova\u0165, \u010di rast\u00fa alebo sa m\u00ed\u0148aj\u00fa.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Rok \u010do rok a st\u00e1le rovnako prekvapen\u00fd?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pozn\u00e1te to aj vy. Ka\u017ed\u00fd rok prekvap\u00ed tis\u00edce \u013eud\u00ed nutnos\u0165 uhr\u00e1dza\u0165 ro\u010dn\u00e9 platby napr\u00edklad na povinn\u00e9 zmluvn\u00e9 poistenie alebo in\u00e9 povinn\u00e9 platby. A \u010do tak v\u00fddavky na narodeniny, meniny \u010di Vianoce? Presne tak, nikto s t\u00fdm nepo\u010d\u00edta, ale ka\u017ed\u00fd rok s\u00fa tu op\u00e4\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S t\u00fdmto princ\u00edpom sa bezprobl\u00e9movo d\u00e1 pripravi\u0165 na v\u0161etky o\u010dak\u00e1van\u00e9 ro\u010dn\u00e9 v\u00fddavky. Sta\u010d\u00ed si nap\u00edsa\u0165 v\u0161etky ro\u010dn\u00e9 platby a v\u00fddavky. V\u00fdsledn\u00fa sumu vydeli\u0165 12 a tak <strong>zisti\u0165 presn\u00fa mesa\u010dn\u00fa sumu<\/strong>, ktor\u00e1 ak sa odlo\u017e\u00ed ka\u017ed\u00fd mesiac. Takto m\u00e1m pripraven\u00e9 peniaze na ka\u017ed\u00fa platbu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">POZOR: T\u00fato sumu na o\u010dak\u00e1van\u00e9 v\u00fddavky je nutn\u00e9 odklada\u0165 na in\u00e9 miesto ako be\u017en\u00fd \u00fa\u010det a \u00fa\u010det, kde si odklad\u00e1te rezervu na neo\u010dak\u00e1van\u00e9 udalosti.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Z mesiaca na mesiac o 100% viac?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Znie to a\u017e neuverite\u013ene, ale nie je to nemo\u017en\u00e9. Samozrejme, nehovor\u00edm teraz o zhodnoten\u00ed, ale o nav\u00fd\u0161en\u00ed. Ak som si stanovil mesa\u010dne 50 \u20ac na tvorbu rezervy a chcem spravi\u0165 100%, hne\u010f na za\u010diatku mesiaca si odlo\u017e\u00edm 100 \u20ac. Po\u010das mesiaca je potrebn\u00e9 korigova\u0165 svoje v\u00fddavky, aby sa nestalo, \u017ee na konci e\u0161te pred v\u00fdplatou bude v pe\u0148a\u017eenke pr\u00e1zdno.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chce to len d\u00e1vku discipl\u00edny, odhodlania a po\u010d\u00edtania v\u00fddavkov. Tento sp\u00f4sob odpor\u00fa\u010dam aplikova\u0165, ak chce \u010dlovek r\u00fdchlej\u0161ie vytvori\u0165 po\u017eadovan\u00fa rezervu. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00f4vodov na tvorbu rezerv je nespo\u010det, z\u00e1le\u017e\u00ed od \u013eudskej fant\u00e1zie. V dne\u0161nej konzumnej dobe sa ale st\u00e1va pravidlom, \u017ee spl\u00e1ca\u0165 je lep\u0161ie ako \u0161etri\u0165. Pri \u0161etren\u00ed sa \u010dlovek namak\u00e1, ak sa jedn\u00e1 o ve\u013ek\u00fa sumu, ale ak spr\u00e1vne aplikujete z\u00e1sady z tohtp \u010dl\u00e1nku, tvorba rezerv u\u017e nikdy nebude zlo\u017eit\u00e1 z\u00e1le\u017eitos\u0165.<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Princ\u00edpy tvorby finan\u010dn\u00fdch rezerv s\u00fa tak jednoduch\u00e9, pritom ich m\u00e1lokto vyu\u017e\u00edva vo svoj prospech.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-6182","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=6182"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6182\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}