[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pcsp.sk\/ako-vytvorit-dobry-rodinny-rozpocet\/#Article","mainEntityOfPage":"https:\/\/www.pcsp.sk\/ako-vytvorit-dobry-rodinny-rozpocet\/","headline":"Ako vytvori\u0165 dobr\u00fd rodinn\u00fd rozpo\u010det","name":"Ako vytvori\u0165 dobr\u00fd rodinn\u00fd rozpo\u010det","description":"Ak chcete ma\u0165 svoje financie pod kontrolou mali by ste si vytvori\u0165 tak\u00fd rozpo\u010det, ktor\u00fd by verne zobrazoval va\u0161u finan\u010dn\u00fa situ\u00e1ciu. Vyhnete sa tak ne\u00faspechu pri jeho dodr\u017eiavan\u00ed, alebo chaotick\u00e9mu hospod\u00e1reniu. 1.\u00a0\u00a0\u00a0\u00a0\u00a0 Ako prv\u00e9 by ste si mali zosumarizova\u0165 v\u0161etky svoje pr\u00edjmy. Sem patria mzdy, pr\u00e9mie, matersk\u00e1, d\u00f4chodky aj pr\u00edle\u017eitostn\u00e9 pr\u00edjmy. Ak niektor\u00e9 z nich nedost\u00e1vate pravidelne, je potrebn\u00e9 si … ","datePublished":"2017-05-24","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.pcsp.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.pcsp.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pcsp.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pcsp.sk\/wp-content\/uploads\/img_a281446_w16473_t1500907933.jpg","url":"https:\/\/www.pcsp.sk\/wp-content\/uploads\/img_a281446_w16473_t1500907933.jpg","height":0,"width":0},"url":"https:\/\/www.pcsp.sk\/ako-vytvorit-dobry-rodinny-rozpocet\/","wordCount":402,"articleBody":"Ak chcete ma\u0165 svoje financie pod kontrolou mali by ste si vytvori\u0165 tak\u00fd rozpo\u010det, ktor\u00fd by verne zobrazoval va\u0161u finan\u010dn\u00fa situ\u00e1ciu. Vyhnete sa tak ne\u00faspechu pri jeho dodr\u017eiavan\u00ed, alebo chaotick\u00e9mu hospod\u00e1reniu.1.\u00a0\u00a0\u00a0\u00a0\u00a0 Ako prv\u00e9 by ste si mali zosumarizova\u0165 v\u0161etky svoje pr\u00edjmy. Sem patria mzdy, pr\u00e9mie, matersk\u00e1, d\u00f4chodky aj pr\u00edle\u017eitostn\u00e9 pr\u00edjmy. Ak niektor\u00e9 z nich nedost\u00e1vate pravidelne, je potrebn\u00e9 si vypo\u010d\u00edta\u0165 alikvotn\u00fa \u010diastku na jeden mesiac.2.\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00e1sledne by ste si mali spravi\u0165 zoznam svojich v\u00fddavkov. Mal by obsahova\u0165 v\u0161etky fakt\u00fary ako napr. plyn, elektrina, mobiln\u00ed oper\u00e1tori, telev\u00edzia, internet… \u010ealej sem patria p\u00f4\u017ei\u010dky, hypot\u00e9ky, n\u00e1jomn\u00e9, \u0161kolsk\u00e9 poplatky, poplatky za stravovanie det\u00ed, doprava, poistenie at\u010f. Nasleduj\u00fa nepravideln\u00e9 v\u00fddavky ako n\u00e1kup potrav\u00edn \u0161iat, \u010dasopisov, v\u00fddavky na \u0161port a relax. Nemali by ste zab\u00fada\u0165 ani na dane, napr da\u0148 za psa \u010di za nehnute\u013enos\u0165, rozpo\u010d\u00edtan\u00e1 na mesiace.3.\u00a0\u00a0\u00a0\u00a0\u00a0 Vypo\u010d\u00edtajte si rozdiel medzi pr\u00edjmami a v\u00fddavkami. Ak je kladn\u00fd, tak hospod\u00e1rite dobre. V tomto pr\u00edpade by ste si mali tvori\u0165 rezervu na hor\u0161ie \u010dasy. Ak je z\u00e1porn\u00fd, \u010do je na Slovensku \u010dastej\u0161ia mo\u017enos\u0165, mus\u00edte tento probl\u00e9m ak\u00fatne rie\u0161i\u0165.M\u00e1te viacero mo\u017enost\u00ed:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 uskromni\u0165 sa a t\u00fdm zn\u00ed\u017ei\u0165 svoje v\u00fddavky\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 zv\u00fd\u0161i\u0165 svoje pr\u00edjmy, napr. n\u00e1js\u0165 si ved\u013eaj\u0161\u00ed \u00fav\u00e4zok\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 po\u017eiada\u0165 banku o \u00faver \u010di kontokorent ( t\u00fato mo\u017enos\u0165 by ste mali podrobne zv\u00e1\u017ei\u0165 a prist\u00fapi\u0165 k nej len ak ste si ist\u00ed, \u017ee ide o mimoriadnu situ\u00e1ciu, ktor\u00fa moment\u00e1lne neviete in\u00e1\u010d vyrie\u0161i\u0165 a z\u00e1rove\u0148 V\u00e1m prinesie v bud\u00facnosti \u00faspory ktor\u00fdmi budete vedie\u0165 pokry\u0165 bankov\u00e9 spl\u00e1tky )4.\u00a0\u00a0\u00a0\u00a0\u00a0 Sk\u00faste prehodnoti\u0165 svoje v\u00fddavky. Vy\u010dle\u0148te tie, ktor\u00e9 s\u00fa nevyhnutn\u00e9 a tie, ktor\u00e9 s\u00fa ved\u013eaj\u0161ie, sk\u00faste zn\u00ed\u017ei\u0165. Napr\u00edklad t\u00fdm \u017ee n\u00e1jdete rovnak\u00fd alebo podobn\u00fd tovar za ni\u017e\u0161iu cenu. Alebo kupujte drah\u0161ie veci na spl\u00e1tky.5.\u00a0\u00a0\u00a0\u00a0\u00a0 Posledn\u00fd krok je kontrola. Mali by ste v\u017edy vyhodnoti\u0165 uplynul\u00fd mesiac, \u010di sa V\u00e1m podarilo splni\u0165 Va\u0161e pl\u00e1ny. Ak \u00e1no, m\u00f4\u017eete by\u0165 na seba hrd\u00ed, ak nie tak by ste mali v nasleduj\u00facom mesiaci znovu prehodnoti\u0165 probl\u00e9mov\u00e9 miesta V\u00e1\u0161ho rozpo\u010dtu.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako vytvori\u0165 dobr\u00fd rodinn\u00fd rozpo\u010det","item":"https:\/\/www.pcsp.sk\/ako-vytvorit-dobry-rodinny-rozpocet\/#breadcrumbitem"}]}]