{"id":8058,"date":"2022-12-12T00:00:00","date_gmt":"2022-12-11T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/9-najlepsich-rad-o-peniazoch-osvojte-si-ich-od-noveho-roka-ocenite-ich\/"},"modified":"2022-12-12T00:00:00","modified_gmt":"2022-12-11T23:00:00","slug":"9-najlepsich-rad-o-peniazoch-osvojte-si-ich-od-noveho-roka-ocenite-ich","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/9-najlepsich-rad-o-peniazoch-osvojte-si-ich-od-noveho-roka-ocenite-ich\/","title":{"rendered":"9 najlep\u0161\u00edch r\u00e1d o peniazoch. Osvojte si ich od Nov\u00e9ho roka, ocen\u00edte ich"},"content":{"rendered":"<ul>\n<li><strong>Slov\u00e1ci maj\u00fa dlhodobo podstatne men\u0161ie \u00faspory ako obyvatelia ostatn\u00fdch eur\u00f3pskych kraj\u00edn. <\/strong><\/li>\n<li><strong>Nejde v\u0161ak nutne iba o d\u00f4sledok n\u00edzkych pr\u00edjmov.<\/strong><\/li>\n<li><strong>K\u013e\u00fa\u010dov\u00fa \u00falohu zohr\u00e1va finan\u010dn\u00e1 gramotnos\u0165 a discipl\u00edna.<\/strong><\/li>\n<li><strong>V \u010dl\u00e1nku predstavujeme nieko\u013eko tipov, ako udr\u017ea\u0165 svoje financie pod kontrolou.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Dobre sa zamyslite. Ko\u013eko pe\u0148az\u00ed m\u00e1te na \u00fa\u010dte? A doma v hotovosti? Pripo\u010d\u00edtajte svoje \u00faspory na sporiacich \u00fa\u010dtoch a v pr\u00edpadn\u00fdch invest\u00edci\u00e1ch. Ko\u013eko to bude dokopy \u010dini\u0165? Nieko\u013eko stoviek eur, tis\u00edcok alebo dokonca viac ako desa\u0165tis\u00edc eur? Je nanajv\u00fd\u0161 nevyhnutn\u00e9 ma\u0165 vo svojich peniazoch preh\u013ead a dok\u00e1za\u0165 odpovede na tieto ot\u00e1zky poveda\u0165 hoci aj o polnoci. V\u00e4\u010d\u0161ina Slov\u00e1kov v\u0161ak e\u0161te ani dnes nem\u00e1 dostato\u010dn\u00fa\u00a0finan\u010dn\u00fa gramotnos\u0165\u00a0a plat\u00ed to aj pre deti, ktor\u00e9 rodi\u010dia neved\u00fa k skuto\u010dnej finan\u010dnej samostatnosti.<\/p>\n<p>E\u0161te nie tak d\u00e1vno bolo sporenie jedinou cestou, ako si mlad\u00ed \u013eudia mohli zadov\u00e1\u017ei\u0165 to, \u010do chceli a potrebovali. Spr\u00edstupnenie dostupn\u00fdch p\u00f4\u017ei\u010diek a finan\u010dn\u00fdch produktov, ako kreditn\u00fdch kariet, povolen\u00fdch pre\u010derpan\u00ed a podobne, do ve\u013ekej miery zv\u00fd\u0161ilo kvalitu \u017eivota a dostupnos\u0165 produktov a slu\u017eieb. Na \u010do sa v\u0161ak peniaze po\u017ei\u010daj\u00fa, to sa odpo\u010d\u00edta zo sporenia. Poukazuje na to aj v\u00fdsledok \u0161t\u00fadie Allianz Global Wealth Report 2021. Spr\u00e1va sumarizuje, \u017ee <strong>priemern\u00fd Slov\u00e1k vlastn\u00ed \u010dist\u00e9 finan\u010dn\u00e9 akt\u00edva vo v\u00fd\u0161ke 7 531 eur<\/strong>, \u010do je podstatne menej ako obyvatelia ostatn\u00fdch kraj\u00edn Eur\u00f3py.<\/p>\n<p>&nbsp;<\/p>\n Peniaze nerast\u00fa zo zeme ani na stromoch. \u00c1no, to vieme v\u0161etci, ale bu\u010fme k sebe \u00faprimn\u00ed: je tu ve\u013ea vec\u00ed, ktor\u00e9 n\u00e1m pri spr\u00e1ve vlastn\u00fdch pe\u0148az\u00ed celkom unik\u00e1.\n<p>&nbsp;<\/p>\n<p><strong>Ak\u00e9 tajomstv\u00e1 o hospod\u00e1ren\u00ed s peniazmi vedia bohat\u00ed \u013eudia v porovnan\u00ed s priemern\u00fdmi \u013eu\u010fmi?<\/strong> Thomas Corley, o ktorom p\u00edsal aj Business Insider, str\u00e1vil a\u017e p\u00e4\u0165 rokov sk\u00faman\u00edm odpoved\u00ed na t\u00fato ot\u00e1zku. Po\u010das nich sa rozpr\u00e1val s 233 milion\u00e1rmi. Ka\u017ed\u00e9mu z nich polo\u017eil 144 ot\u00e1zok a napokon publikoval nasledovn\u00e9 zistenia.<\/p>\n<p><strong>Zdanlivo ide o jednoduch\u00e9 tipy a rady<\/strong>, no v\u0161etci by sme sa ob\u010das mali zamyslie\u0165 nad t\u00fdm, \u017ee \u010di ich aj naozaj dodr\u017eiavame. Ve\u010f pos\u00fa\u010fte:<\/p>\n<div class=\"vlp-link-container vlp-layout-basic\"><\/div>\n<p><strong>Sledujte svoje m\u00ed\u0148anie.<\/strong><\/p>\n<ul>\n<li>Mali by ste vedie\u0165, kam id\u00fa va\u0161e peniaze. Sledujte v\u00fdpisy z \u00fa\u010dtov a mo\u017eno zist\u00edte, \u017ee niektor\u00e9 v\u00fddavky s\u00fa celkom zbyto\u010dn\u00e9. \u010casto m\u00f4\u017ee \u00eds\u0165 aj o automatick\u00e9 poplatky, ktor\u00e9 boli ist\u00fa dobu zadarmo, ale po reklamnej f\u00e1ze u\u017e za ne mus\u00edte plati\u0165.<\/li>\n<\/ul>\n<p><strong>Pravidelne bilancujte v\u00fddavky.<\/strong><\/p>\n<ul>\n<li>Ve\u013ea v\u00fddavkov sa \u010dasom men\u00ed. Napr\u00edklad n\u00e1klady na poistenie. Uistite sa, \u017ee plat\u00edte najni\u017e\u0161ie poistn\u00e9 za auto alebo \u017eivotn\u00fa poistku. Skontrolujte svoje zdravotn\u00e9 poistenie, najm\u00e4 ak m\u00e1te deti, ktor\u00e9 s\u00fa u\u017e samostatn\u00e9. Sledujte n\u00e1klady na telev\u00edziu, internet a telef\u00f3n. Vyberte si ponuku spolo\u010dnosti, ktor\u00e1 je najv\u00fdhodnej\u0161ia.<\/li>\n<\/ul>\n<p><strong>Kupujte pou\u017e\u00edvan\u00e9 aut\u00e1 dobrej kvality.<\/strong><\/p>\n<ul>\n<li>Nov\u00e9 auto str\u00e1ca hodnotu hne\u010f, ke\u010f ho k\u00fapite. K\u00fapou star\u0161ieho auta dobrej kvality vyu\u017eijete t\u00fato stratu hodnoty. Aj ke\u010f si prir\u00e1tate men\u0161ie v\u00fddavky na \u00fadr\u017ebu pou\u017eit\u00e9ho auta, st\u00e1le je to menej, ako by ste minuli na leasing na k\u00fapu nov\u00e9ho auta.<\/li>\n<li>Mali by ste zv\u00e1\u017ei\u0165, \u010di v\u00e1s nebude vhodnej\u0161ie auto si jednoducho prenaj\u00edma\u0165 formou dlhodob\u00e9ho pren\u00e1jmu.<\/li>\n<\/ul>\n<p><strong>Pou\u017e\u00edvajte kup\u00f3ny, z\u013eavy a v\u00fdhody od obbchodov.<\/strong><\/p>\n<ul>\n<li>Dokonca aj bohat\u00ed \u013eudia ich pou\u017e\u00edvaj\u00fa, najm\u00e4 pri k\u00fape jedla. Pre\u010do by ste mali plati\u0165 viac ako mus\u00edte?<\/li>\n<\/ul>\n<p><strong>Udr\u017eujte svoje n\u00e1klady na dom\u00e1cnos\u0165 pod 30 % va\u0161ej mesa\u010dnej \u010distej mzdy.<\/strong><\/p>\n<ul>\n<li>Aj ke\u010f si mo\u017eno mysl\u00edte, \u017ee bohat\u00ed \u013eudia b\u00fdvaj\u00fa v obrovsk\u00fdch vil\u00e1ch, nie je tomu v\u017edy tak. V\u00e4\u010d\u0161ina z nich b\u00fdva v priemernom dome, \u010d\u00edm udr\u017eiava svoje n\u00e1klady na dom\u00e1cnos\u0165 na minime. Pri minimaliz\u00e1cii n\u00e1kladov v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 aj k\u00fapa auta na leasing namiesto jeho jednorazov\u00e9ho vyplatenia.<\/li>\n<\/ul>\n<p><strong>Nakupujte v\u00fdhodne a s rozumom.<\/strong><\/p>\n<ul>\n<li>Pri spont\u00e1nnych n\u00e1kupoch zaplat\u00edte viac, ako by ste chceli. To je zvyk chudobn\u00fdch. Nakupova\u0165 so z\u013eavami a vo v\u00fdpredajoch je zvykom bohat\u00fdch.<\/li>\n<\/ul>\n<p><strong>Vyu\u017eite odmenov\u00fd syst\u00e9m kreditnej karty.<\/strong><\/p>\n<ul>\n<li>Mnoho kreditn\u00fdch kariet m\u00e1 odme\u0148ovac\u00ed program. Obvykle v\u00e1m odme\u0148ovac\u00ed program vr\u00e1ti peniaze, ktor\u00e9 m\u00f4\u017eete pou\u017ei\u0165 u vybran\u00fdch dod\u00e1vate\u013eov alebo dostanete dar\u010dekov\u00fa kartu s ist\u00fdm obnosom vr\u00e1ten\u00fdch pe\u0148az\u00ed, ktor\u00fa m\u00f4\u017eete napr\u00edklad niekomu darova\u0165 na narodeniny.<\/li>\n<\/ul>\n<p><strong>Vytvorte si ciele \u0161etrenia.<\/strong><\/p>\n<ul>\n<li>Bohat\u00ed \u013eudia pride\u013euj\u00fa ich \u00faspory do r\u00f4znych kateg\u00f3ri\u00ed. Aby ste tak mohli urobi\u0165, potrebujete si najprv vytvori\u0165 v\u0161eobecn\u00fa sumu, ktor\u00fa si chcete da\u0165 ka\u017ed\u00fd mesiac bokom. Napr\u00edklad, ak si chcete odklada\u0165 mesa\u010dne 10 % z pr\u00edjmu, m\u00f4\u017eete prideli\u0165 5 % na d\u00f4chodkov\u00e9 sporenie, 2 % na \u0161pecifick\u00e9 v\u00fddavky, 1,5 % na ne\u010dakan\u00e9 v\u00fddavky a 1,5 % na sez\u00f3nne v\u00fddavky.<\/li>\n<li>Jednou z met\u00f3d sporenia je aj FIRE &#8211; Financial Independence, Retire Early. Prv\u00fdkr\u00e1t bol op\u00edsan\u00fd u\u017e v roku 1992 v r\u00e1mci knihy Your Money of Your Life, ktor\u00fa publikovali odborn\u00edci na financie \u2013 Joe Dominguez a Vicki Robin. Sporenie t\u00fdmto sp\u00f4sobom v\u0161ak nie je pre ka\u017ed\u00e9ho. Princ\u00edp spo\u010d\u00edva najm\u00e4 v radik\u00e1lnom \u0161etren\u00ed alebo investovan\u00ed a zn\u00ed\u017een\u00ed v\u0161etk\u00fdch v\u00fddavkov na minimum, aby \u0161etriaci dosiahol pl\u00e1novan\u00fa sumu tak r\u00fdchlo, ako je to mo\u017en\u00e9. Autori FIRE na r\u00fdchle dosiahnutie \u017eelan\u00e9ho efektu odpor\u00fa\u010daj\u00fa, aby v\u00fd\u0161ka \u00faspor vlo\u017een\u00e1 do strat\u00e9gie, predstavovala ide\u00e1lne a\u017e 70% celkov\u00e9ho ro\u010dn\u00e9ho pr\u00edjmu.<\/li>\n<\/ul>\n<p><strong>A napokon: Automatizujte proces \u0161etrenia.<\/strong><\/p>\n<ul>\n<li>Nastavte si automatick\u00e9 s\u0165ahovanie pe\u0148az\u00ed z \u00fa\u010dtu na ciele \u0161etrenia, ktor\u00e9 ste si stanovili. Automatizovanie \u0161etrenia v\u00e1s n\u00fati \u017ei\u0165 sp\u00f4sobom, kedy najprv \u0161etr\u00edte a potom m\u00ed\u0148ate, \u010do zostalo.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Ke\u010f si vytvor\u00edte dobr\u00e9 finan\u010dn\u00e9 n\u00e1vyky, budete ma\u0165 svoje financie pod kontrolou. Myslite v\u0161ak na to, \u017ee to chce \u010das, k\u00fdm budete finan\u010dne \u201eza vodou\u201c. Nahromadenie pe\u0148az\u00ed si toti\u017e vy\u017eaduje nielen dos\u0165 vysok\u00fd pr\u00edjem, ale aj \u010das a discipl\u00ednu.<\/strong><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Slov\u00e1ci maj\u00fa dlhodobo podstatne men\u0161ie \u00faspory ako obyvatelia ostatn\u00fdch eur\u00f3pskych kraj\u00edn. Nejde v\u0161ak nutne iba o d\u00f4sledok n\u00edzkych pr\u00edjmov.<\/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-8058","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/8058","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=8058"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/8058\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=8058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=8058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=8058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}