{"id":200,"date":"2021-01-07T08:04:53","date_gmt":"2021-01-07T07:04:53","guid":{"rendered":"http:\/\/extramagazin.cz\/?p=200"},"modified":"2021-01-07T08:04:55","modified_gmt":"2021-01-07T07:04:55","slug":"rodinna-kasa-v-dobe-krize-jak-neprijit-o-finance","status":"publish","type":"post","link":"https:\/\/extramagazin.cz\/rodinna-kasa-v-dobe-krize-jak-neprijit-o-finance\/","title":{"rendered":"Rodinn\u00e1 kasa v dob\u011b krize. Jak nep\u0159ij\u00edt o finance?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Jak m\u00edt doma pen\u00edze pod kontrolou i b\u011bhem pandemie?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00edt po\u0159\u00e1dek ve financ\u00edch znamen\u00e1 zvl\u00e1dat ne\u010dekan\u00e9 situace, dok\u00e1zat efektivn\u011b hospoda\u0159it a p\u0159edev\u0161\u00edm plnit si sv\u00e9 \u017eivotn\u00ed sny a c\u00edle. Plat\u00ed to stejn\u011b pro velk\u00e9 nadn\u00e1rodn\u00ed spole\u010dnosti, jako\u017e i pro va\u0161i rodinnou kasu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u011bli byste m\u00edt spr\u00e1vn\u00e9 rozd\u011bleny finan\u010dn\u00ed prost\u0159edky, v\u00fddaje pl\u00e1novat, tvo\u0159it si dostate\u010dnou rezervu a myslet tak\u00e9 na vzd\u00e1len\u011bj\u0161\u00ed budoucnost. A to nejen b\u011bhem pandemie a krizov\u00e9ho obdob\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak rozd\u011blit pen\u00edze?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sou\u010d\u00e1st\u00ed rodinn\u00e9 kasy jsou v\u0161echny pen\u00edze, kter\u00e9 do dom\u00e1cnosti p\u0159ich\u00e1zej\u00ed. Tedy p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, podnik\u00e1n\u00ed, brig\u00e1d, ale nap\u0159\u00edklad i rodinn\u00e9 p\u0159\u00eddavky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jsou to prost\u0159edky, kter\u00e9 m\u00e1te k dispozici, a mus\u00edte s nimi hospoda\u0159it a spr\u00e1vn\u011b je rozd\u011blit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8222;Ide\u00e1ln\u00ed pom\u011br pro rodinu je, pokud spot\u0159eba na b\u011b\u017en\u00fd \u017eivot dom\u00e1cnosti &#8211; energie, auto, stravu, telefon a podobn\u011b &#8211; tvo\u0159\u00ed nejv\u00fd\u0161e 40 procent z p\u0159\u00edjm\u016f, 30 procent z p\u0159\u00edjm\u016f by m\u011bla b\u00fdt maxim\u00e1ln\u00ed spl\u00e1tka v\u0161ech \u00fav\u011br\u016f &#8211; hypot\u00e9ka, spot\u0159ebn\u00ed \u00fav\u011br, leasing na auto a jin\u00e9, &#8222;doporu\u010duje odborn\u00edk na finance Jozef Bardo.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"750\" src=\"https:\/\/extramagazin.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3689188.jpeg\" alt=\"\" class=\"wp-image-202\" srcset=\"https:\/\/extramagazin.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3689188.jpeg 500w, https:\/\/extramagazin.cz\/wp-content\/uploads\/2021\/01\/pexels-photo-3689188-200x300.jpeg 200w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i rozd\u011blen\u00ed financ\u00ed experti doporu\u010duj\u00ed takzvan\u00e9 ide\u00e1ln\u00ed finan\u010dn\u00ed m\u00edry &#8211; tedy 10 procent finan\u010dn\u00ed rezervu, 20 procent na dlouhodob\u00e9 c\u00edle, 30 procent na p\u016fj\u010dky a 40 procent na b\u011b\u017en\u00e9 v\u00fddaje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyhn\u011bte se chyb\u00e1m<br>Mezi nej\u010dast\u011bj\u0161\u00ed chyby pat\u0159\u00ed to, \u017ee lid\u00e9 vyu\u017e\u00edvaj\u00ed finan\u010dn\u00ed a bankovn\u00ed produkty, kter\u00e9 jsou pro n\u011b nev\u00fdhodn\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak m\u00edt doma pen\u00edze pod kontrolou i b\u011bhem pandemie? M\u00edt po\u0159\u00e1dek ve financ\u00edch znamen\u00e1 zvl\u00e1dat ne\u010dekan\u00e9 situace, dok\u00e1zat efektivn\u011b hospoda\u0159it a p\u0159edev\u0161\u00edm plnit si sv\u00e9 \u017eivotn\u00ed sny a c\u00edle. Plat\u00ed to stejn\u011b pro velk\u00e9 nadn\u00e1rodn\u00ed spole\u010dnosti, jako\u017e i pro va\u0161i rodinnou kasu. M\u011bli byste m\u00edt spr\u00e1vn\u00e9 rozd\u011bleny finan\u010dn\u00ed prost\u0159edky, v\u00fddaje pl\u00e1novat, tvo\u0159it si dostate\u010dnou rezervu [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[8],"tags":[],"class_list":["post-200","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/comments?post=200"}],"version-history":[{"count":1,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/200\/revisions"}],"predecessor-version":[{"id":203,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/posts\/200\/revisions\/203"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/media\/201"}],"wp:attachment":[{"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/media?parent=200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/categories?post=200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/extramagazin.cz\/wp-json\/wp\/v2\/tags?post=200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}