{"id":6277,"date":"2019-09-10T00:00:00","date_gmt":"2019-09-09T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/narodenie-dietata-z-financneho-hladiska\/"},"modified":"2019-09-10T00:00:00","modified_gmt":"2019-09-09T23:00:00","slug":"narodenie-dietata-z-financneho-hladiska","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/narodenie-dietata-z-financneho-hladiska\/","title":{"rendered":"Narodenie die\u0165a\u0165a z finan\u010dn\u00e9ho h\u013eadiska: na \u010do myslie\u0165 a ako u\u0161etri\u0165?"},"content":{"rendered":"

E\u0161te pred naroden\u00edm die\u0165a\u0165a je potrebn\u00e9 uvedomi\u0165 si, ak\u00e9 v\u00fddavky bud\u00fa vznika\u0165. K\u00fapa ko\u010d\u00edka, postie\u013eky, z\u00e1kladnej a \u0161ir\u0161ej v\u00fdbavy a ka\u017edodenn\u00fdch potrieb nie\u010do stoj\u00ed. N\u00e1klady, s ktor\u00fdmi je na za\u010diatok potrebn\u00e9 po\u010d\u00edta\u0165, sa pohybuj\u00fa bezprobl\u00e9movo v \u00farovniach od 1 000 eur do 1 500 eur, niekedy aj viac. N\u00e1sledn\u00e9 zabezpe\u010denie oble\u010denia a plienok tie\u017e v\u00fdznamne za\u0165a\u017e\u00ed rodinn\u00fd rozpo\u010det.<\/p>\n

Na konci \u010dl\u00e1nku n\u00e1jdete zhrnutie v\u0161etk\u00fdch hlavn\u00fdch bodov<\/strong><\/em><\/p>\n

\n

<\/h3>\n

Z\u00e1kladom je vedie\u0165 sa spo\u013eahn\u00fa\u0165 na seba<\/h3>\n

Ide\u00e1lna situ\u00e1cia je, ak si bud\u00faci rodi\u010d v\u010das tvoril finan\u010dn\u00e9 rezervy. To je n\u00e1\u0161 pomyslen\u00fd prv\u00fd krok. Ak ich bud\u00faci rodi\u010d m\u00e1, umo\u017enil si t\u00fdm o to jednoduch\u0161\u00ed \u0161tart. Ak \u017eena otehotnie nepl\u00e1novane, pou\u017eije t\u00fato rezervu na nov\u00e9 neo\u010dak\u00e1van\u00e9 n\u00e1klady a nebude pritom musie\u0165 siaha\u0165 na svoj mesa\u010dn\u00fd rozpo\u010det, ktor\u00fdm je u v\u00e4\u010d\u0161iny \u013eud\u00ed mzda zo zamestnania.<\/p>\n

Druh\u00fdm krokom je v\u0161ak tvorba \u010fal\u0161ej rezervy. Nau\u010di\u0165 sa \u0161etri\u0165 peniaze aj po\u010das tehotenstva je k\u013e\u00fa\u010dov\u00e9, ak chc\u00fa ma\u0165 rodi\u010dia istotu finan\u010dn\u00e9ho zabezpe\u010denia v pr\u00edpade ne\u010dakan\u00fdch n\u00e1kladov. \u010cas na \u010fal\u0161iu pr\u00edpravu \u010do najv\u00e4\u010d\u0161ieho obnosu financi\u00ed je pribli\u017ene dev\u00e4\u0165 mesiacov pred naroden\u00edm b\u00e1b\u00e4tka a\u00a0 \u010fal\u0161\u00edch 200 dn\u00ed po jeho naroden\u00ed. T\u00fdchto dvesto dn\u00ed toti\u017e mami\u010dke na \u00fa\u010det prich\u00e1dza matersk\u00e1 d\u00e1vka. Pri pr\u00edjme 1 000 eur v hrubom sa matersk\u00e1 vypo\u010d\u00edta na 4 940,00 eur na cel\u00fdch 200 dn\u00ed, \u010do je v priemere 741 eur mesa\u010dne.<\/p>\n

Tret\u00edm krokom je \u010do najviac zn\u00ed\u017ei\u0165 v\u0161etky spl\u00e1tky a v\u00fddavky na minimum, aby v obdob\u00ed zn\u00ed\u017een\u00fdch pr\u00edjmov nenastali probl\u00e9my so spl\u00e1can\u00edm dlhov (hypot\u00e9ky, spotrebn\u00fdch \u00faverov, auta a podobne). Jedn\u00fdm z mo\u017en\u00fdch rie\u0161en\u00ed je refinancovanie, ale aj cielen\u00e9 zbavenie sa zlozvykov.<\/p>\n

Ve\u013emi rozumn\u00fdm prevent\u00edvnym opatren\u00edm pre pr\u00edpad rizikov\u00e9ho tehotenstva je dobre nastaven\u00e9 \u017eivotn\u00e9 poistenie. Ka\u017ed\u00fd \u010dlovek by mal ma\u0165 poistn\u00fa ochranu po\u010das pr\u00e1ceneschopnosti. Tak\u00e9to poistenie dok\u00e1\u017ee kompenzova\u0165 ch\u00fdbaj\u00faci pr\u00edjem.<\/p>\n

 <\/p>\n N\u00e1kup v\u00fdbavy pre die\u0165a m\u00f4\u017ee by\u0165 drah\u00e1 z\u00e1le\u017eitos\u0165, ale v\u0161etko sa d\u00e1 zvl\u00e1dnu\u0165.\n

Usmerni\u0165 zn\u00e1mych v nakupovan\u00ed dar\u010dekov<\/h3>\n

Pr\u00edbuzn\u00ed a kamar\u00e1ti sa z narodenia die\u0165a\u0165a te\u0161ia tie\u017e a nakupuj\u00fa r\u00f4zne hra\u010dky alebo oble\u010denie pre b\u00e1b\u00e4tko. Aj tu by ale malo prev\u00e1\u017ei\u0165 racio a ak rodina s nov\u00fdm b\u00e1b\u00e4tkom nie je v ide\u00e1lnej finan\u010dnej kond\u00edcii, m\u00e1 \u0161ancu u\u0161etri\u0165 zna\u010dn\u00e9 n\u00e1klady pr\u00e1ve tu. Nie je hanba priate\u013eov a rodinu v daroch usmerni\u0165. Napr\u00edklad namiesto hra\u010dky, s ktorou sa bude die\u0165a hra\u0165 a\u017e po pol roku, by sa zn\u00e1mi mohli zlo\u017ei\u0165 na dar, ktor\u00fd bude pri starostlivosti o die\u0165a nevyhnutn\u00fd.<\/p>\n

T\u00fdmto sp\u00f4sobom m\u00f4\u017ee mlad\u00e1 rodina u\u0161etri\u0165 slu\u0161n\u00e9 peniaze, preto\u017ee na n\u00e1kladn\u00e9 veci sa poskladaj\u00fa pr\u00edbuzn\u00ed, ktor\u00ed aj tak nie\u010do pre b\u00e1b\u00e4tko chc\u00fa k\u00fapi\u0165.<\/p>\n

V pr\u00edpade, \u017ee v rodine u\u017e bolo nejak\u00e9 die\u0165a, sa ist\u00e9 veci nemusia nakupova\u0165 a u\u0161etria sa tak nemal\u00e9 prostriedky.<\/p>\n

 <\/p>\n

Vyu\u017eite v\u0161etky mo\u017enosti, ktor\u00e9 \u0161t\u00e1t pon\u00faka<\/h3>\n
    \n
  • pr\u00edspevok pri naroden\u00ed die\u0165a\u0165a,<\/span><\/li>\n
  • pr\u00edspevok na viac s\u00fa\u010dasne naroden\u00fdch det\u00ed\u00a0,<\/span><\/li>\n
  • pr\u00eddavok na die\u0165a,<\/span><\/li>\n
  • pr\u00edplatok k pr\u00eddavku na die\u0165a,<\/span><\/li>\n
  • rodi\u010dovsk\u00fd pr\u00edspevok,<\/span><\/li>\n
  • pr\u00edspevok na starostlivos\u0165 o die\u0165a<\/span><\/li>\n<\/ul>\n

     <\/p>\n Narodenie die\u0165a\u0165a je ve\u013ek\u00fd \u017eivotn\u00fd m\u00ed\u013enik. \u010cloveku sa vtedy menia priority a vo v\u0161etkom uprednost\u0148uje die\u0165a. Starostlivos\u0165 o die\u0165a sa v\u0161ak neza\u010d\u00edna jeho naroden\u00edm, rovnako d\u00f4le\u017eit\u00e1 je pr\u00edprava na jeho pr\u00edchod a rozhodnutie ni\u010d nepodceni\u0165.\n

    N\u00e1ro\u010dn\u00e1 t\u00e9ma: \u0161etrenie pre die\u0165a a\u017e do jeho dospelosti<\/h3>\n

    Ka\u017ed\u00fd rodi\u010d m\u00e1 z\u00e1ujem zabezpe\u010di\u0165 svoje die\u0165a aj po finan\u010dnej str\u00e1nke, hoci prax n\u00e1m ukazuje, \u017ee to nie je tak jednoduch\u00e9. M\u00e1 v\u0161ak zmysel zam\u00fd\u0161\u013ea\u0165 sa nad t\u00fdm, ako a kam budem odklada\u0165 peniaze a v\u00f4bec sa nemus\u00ed jedna\u0165 o ve\u013ek\u00e9 obnosy ka\u017ed\u00fd mesiac.<\/p>\n

    Vezmime si stru\u010dn\u00fd teoretick\u00fd pr\u00edklad. Ak rodi\u010d za\u010dne odklada\u0165 desa\u0165 eur mesa\u010dne hne\u010f od narodenia die\u0165a\u0165a, pri zhodnoten\u00ed 7% p.a. a toto die\u0165a bude po dov\u0155\u0161en\u00ed dospelosti v odkladan\u00ed desiatich eur pokra\u010dova\u0165, vo veku 64 rokov bude ma\u0165 k dispoz\u00edcii 108 000 eur. Ak by tieto ist\u00e9 peniaze rodi\u010d odkladal bokom napr\u00edklad na bankov\u00fd \u00fa\u010det a jeho die\u0165a tie\u017e, za rovnak\u00fd \u010das by nahromadil len 7 680 eur.<\/p>\n

    Dnes nie je ojedinel\u00e9, \u017ee pravideln\u00e9 mesa\u010dn\u00e9 vklady pre die\u0165a prich\u00e1dzaj\u00fa aj od star\u00fdch a krstn\u00fdch rodi\u010dov. Ak by ka\u017ed\u00e1 rodina (rodi\u010dia, jedni a druh\u00ed svokrovci) ka\u017ed\u00fd mesiac takto vlo\u017eila po 30 eur, jednalo sa by o mesa\u010dn\u00fa \u010diastku a\u017e 90 eur. A t\u00e1 by sa pri zhodnoten\u00ed 7% p.a. u\u017e v dvadsiatich rokoch die\u0165a\u0165a zv\u00fd\u0161ila a\u017e na takmer 44 000 eur.<\/p>\n

    Najlep\u0161ie na tom je, \u017ee to nie s\u00fa iba te\u00f3rie, ale realistick\u00e9 zhodnotenia vypl\u00fdvaj\u00face z v\u00fdvoja v posledn\u00fdch rokoch. Prax n\u00e1m v\u0161ak ukazuje, \u017ee v\u00e4\u010d\u0161ina rodi\u010dov nakoniec tak\u00e9to \u010diastky svojim de\u0165om nena\u0161etr\u00ed, preto\u017ee z r\u00f4znych d\u00f4vodov zanedbaj\u00fa pravideln\u00e9 odkladanie prostriedkov.<\/p>\n

     <\/p>\n \u0160etrenie a poistenie bolo v\u017edy n\u00e1ro\u010dnou t\u00e9mou, ktor\u00fa \u013eudia vn\u00edmaj\u00fa osobne a odmietavo\n

    Poisti\u0165 si vlastn\u00e9 die\u0165a nie je m\u00f3res horn\u00fdch p\u00e1r percent<\/h3>\n

    S problematikou pois\u0165ovania det\u00ed sa nepochybne stretla v\u00e4\u010d\u0161ina nov\u00fdch rodi\u010dov a zvy\u010dajne nemaj\u00fa z\u00e1ujem zaobera\u0165 sa my\u0161lienkou, \u017ee by sa die\u0165a\u0165u mohlo nie\u010do sta\u0165. Len\u017ee spolieha\u0165 sa na to, \u017ee sn\u00e1\u010f sa ni\u010d nestane<\/em>, sa m\u00f4\u017ee vypomsti\u0165. V skuto\u010dnosti deti b\u00fdvaj\u00fa chor\u013eav\u00e9, eventu\u00e1lne sa im m\u00f4\u017ee prihodi\u0165 v\u00e4\u010d\u0161ie \u010di men\u0161ie zranenie, za ktor\u00e9 rodi\u010d nem\u00f4\u017ee. V\u00e1\u017enej\u0161ie zdravotn\u00e9 komplik\u00e1cie die\u0165a\u0165a m\u00f4\u017eu by\u0165 pre mlad\u00fa rodinu v\u00fdznamn\u00fdm bremenom, a to nielen finan\u010dn\u00fdm.<\/p>\n

    Z poh\u013eadu financi\u00ed je vhodn\u00e9 zva\u017eova\u0165 pr\u00e1ve poistenie nad r\u00e1mec z\u00e1konom povinn\u00e9ho zdravotn\u00e9ho poistenia, preto\u017ee m\u00e1 potenci\u00e1l zmierni\u0165 nepriazniv\u00e9 finan\u010dn\u00e9 d\u00f4sledky zranenia, ochorenia a lie\u010dby die\u0165a\u0165a. V hor\u0161\u00edch pr\u00edpadoch musia rodi\u010dia skr\u00e1ti\u0165 svoj pracovn\u00fd \u00fav\u00e4zok, aby sa mohli venova\u0165 starostlivosti o die\u0165a.<\/p>\n

    \u010cast\u00fd argument, ktor\u00fdm rodi\u010dia zamietnu ideu poistenia die\u0165a\u0165a pod koberec, je jeho finan\u010dn\u00e1 n\u00e1kladnos\u0165. Len\u017ee to nie je pravda, poistenie pre b\u00e1b\u00e4tk\u00e1 v\u00f4bec nestoj\u00ed ve\u013ea. \u010castokr\u00e1t je dokonca tak\u00e9to poistenie s\u00fa\u010das\u0165ou \u0161etrenia.<\/p>\n

     <\/p>\n

    \n

    Zhrnutie na\u0161ich tipov<\/h3>\n
      \n
    • ide\u00e1lne je tvori\u0165 si finan\u010dn\u00fa rezervu e\u0161te pred pl\u00e1novan\u00edm tehotenstva;<\/strong><\/li>\n
    • tvori\u0165 si finan\u010dn\u00fa rezervu by ste mali aj po\u010das tehotenstva a po\u010das materskej;<\/strong><\/li>\n
    • vyu\u017e\u00edvajte ka\u017ed\u00fa mo\u017enos\u0165 \u0161t\u00e1tnej podpory, napr\u00edklad pr\u00edspevok pri naroden\u00ed die\u0165a\u0165a (829,86 \u20ac, resp. 151,37 \u20ac), matersk\u00fa otca die\u0165a\u0165a a podobne;<\/strong><\/li>\n
    • usmernite zn\u00e1mych v ich n\u00e1kupoch, aby kupovali tak\u00e9 dar\u010deky, ktor\u00e9 odbremenia v\u00e1\u0161 vlastn\u00fd rozpo\u010det;<\/strong><\/li>\n
    • zv\u00e1\u017ete \u0161etrenie pe\u0148az\u00ed pre svoje die\u0165a u\u017e od jeho narodenia;<\/strong><\/li>\n
    • zv\u00e1\u017ete poistenie die\u0165a\u0165a aj nad r\u00e1mec z\u00e1konom povinn\u00e9ho zdravotn\u00e9ho poistenia.<\/strong><\/li>\n<\/ul>\n<\/div>\n

       <\/p>\n

       <\/p>\n

       <\/p>","protected":false},"excerpt":{"rendered":"

      Narodenie die\u0165a\u0165a je ve\u013ek\u00fd \u017eivotn\u00fd m\u00ed\u013enik. \u010cloveku sa vtedy menia priority a vo v\u0161etkom uprednost\u0148uje die\u0165a. Starostlivos\u0165 o die\u0165a sa v\u0161ak neza\u010d\u00edna jeho naroden\u00edm, rovnako d\u00f4le\u017eit\u00e1 je pr\u00edprava na jeho pr\u00edchod a rozhodnutie ni\u010d nepodceni\u0165.<\/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-6277","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6277","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=6277"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6277\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}