[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kocicarny.cz\/sestavit-si-rozpocet-neni-vubec-tezke\/#Article","mainEntityOfPage":"https:\/\/www.kocicarny.cz\/sestavit-si-rozpocet-neni-vubec-tezke\/","headline":"Sestavit si rozpo\u010det nen\u00ed v\u016fbec t\u011b\u017ek\u00e9","name":"Sestavit si rozpo\u010det nen\u00ed v\u016fbec t\u011b\u017ek\u00e9","description":"M\u016f\u017ee se v\u00e1m zd\u00e1t, \u017ee rozpo\u010det je n\u011bco, na co nem\u00e1te nervy. \u017de nev\u00edte, jak na to. \u017de je to p\u0159\u00edli\u0161 slo\u017eit\u00e9. Opak je...","datePublished":"2018-08-16","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.kocicarny.cz\/author\/#Person","name":"","url":"https:\/\/www.kocicarny.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kocicarny.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kocicarny.cz\/wp-content\/uploads\/img_a327373_w2595_t1539666189.jpg","url":"https:\/\/www.kocicarny.cz\/wp-content\/uploads\/img_a327373_w2595_t1539666189.jpg","height":0,"width":0},"url":"https:\/\/www.kocicarny.cz\/sestavit-si-rozpocet-neni-vubec-tezke\/","about":["Web"],"wordCount":501,"articleBody":"M\u016f\u017ee se v\u00e1m zd\u00e1t, \u017ee rozpo\u010det je n\u011bco, na co nem\u00e1te nervy. \u017de nev\u00edte, jak na to. \u017de je to p\u0159\u00edli\u0161 slo\u017eit\u00e9. Opak je pravdou. Sta\u010d\u00ed, kdy\u017e si vezmete pap\u00edr, tu\u017eku, kalkula\u010dku a v\u00fdpis z va\u0161eho \u00fa\u010dtu. Nepodce\u0148ujte to, proto\u017ee bez \u00fasp\u011b\u0161n\u00e9ho rozpo\u010dtu neu\u0161et\u0159\u00edte ani korunu.\u00a0\tKrok \u010d\u00edslo jedna \u2013 p\u0159\u00edjmyNapi\u0161te si na pap\u00edr ve\u0161ker\u00e9 p\u0159\u00edjmy v\u0161ech \u010dlen\u016f dom\u00e1cnosti. Za\u0159a\u010fte tam jak st\u00e1l\u00e9 p\u0159\u00edjmy, tak i brig\u00e1dy, d\u00e1vky a cokoli dal\u0161\u00edho. Ve chv\u00edli, kdy zjist\u00edte, jak\u00fd m\u00e1te p\u0159esn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, tak m\u016f\u017eete p\u0159ej\u00edt k dal\u0161\u00edmu kroku a posunout se v rozpo\u010dtu d\u00e1l.\u00a0\tKrok \u010d\u00edslo dv\u011b \u2013 v\u00fddajeJe logick\u00e9, \u017ee kdy\u017e m\u00e1te p\u0159\u00edjmy, tak m\u00e1te i v\u00fddaje. Ty m\u016f\u017eeme d\u011blit do dvou kategori\u00ed na fixn\u00ed a variabiln\u00ed. Jsou v\u011bci, za kter\u00e9 jednodu\u0161e mus\u00edte ka\u017ed\u00fd m\u011bs\u00edc platit a plat\u00edte st\u00e1le stejnou \u010d\u00e1stku a potom v\u011bci, u kter\u00fdch se to m\u011bn\u00ed a u kter\u00fdch m\u00e1te v\u011bt\u0161\u00ed \u0161anci sv\u00e9 v\u00fddaje sn\u00ed\u017eit. Mezi nem\u011bnn\u00e9 v\u00fddaje za\u0159a\u010fte:\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 n\u00e1jemn\u00e9 nebo spl\u00e1tky hypot\u00e9ky \u010di jin\u00fdch p\u016fj\u010dek,\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 z\u00e1lohy na ve\u0161ker\u00e9 energie,\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 bankovn\u00ed poplatky,\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00fa\u010det za telefon a internet,\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 pravideln\u00e9 \u00faspory (doporu\u010duje se 10 % z m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu).\u00a0Rozhodn\u011b nezapom\u00ednejte zapo\u010d\u00edtat i \u00faspory. Ide\u00e1ln\u00ed je odd\u011blit je ihned ve chv\u00edli, kdy v\u00e1m p\u0159ijde v\u00fdplata. Vytvo\u0159te si u banky spo\u0159\u00edc\u00ed \u00fa\u010det a ide\u00e1ln\u00edch 10 % ze mzdy si tam pos\u00edlejte. Jen tak je neutrat\u00edte a budete si postupn\u011b \u0161et\u0159it nejen na ne\u010dekan\u00e9 v\u00fddaje, ale mo\u017en\u00e1 i na dovolenou.\u00a0Variabiln\u00edmi v\u00fddaje jsou p\u0159edev\u0161\u00edm n\u00e1kupy potravin, oble\u010den\u00ed, knih a dal\u0161\u00edch v\u011bc\u00ed. Za\u0159a\u010fte do seznamu tak\u00e9 n\u00e1v\u0161t\u011bvy kina, restaurac\u00ed, koncert\u016f a dal\u0161\u00edch slu\u017eeb. Nejlep\u0161\u00ed je zapisovat si v\u0161echny v\u00fddaje alespo\u0148 po dobu jednoho m\u011bs\u00edce. Jist\u011b v\u00e1s p\u0159ekvap\u00ed, kolik utr\u00e1c\u00edte za nepot\u0159ebn\u00e9 mali\u010dkosti.\u00a0\tM\u00e1te dost vysok\u00e9 p\u0159\u00edjmy pro sv\u00e9 v\u00fddaje?Ode\u010dt\u011bte od sebe p\u0159\u00edjmy a v\u00fddaje a zjist\u011bte, jak na tom jste. Pokud jsou v\u00fddaje vy\u0161\u0161\u00ed ne\u017e p\u0159\u00edjmy nebo chcete v\u00edc u\u0161et\u0159it, zamyslete se nad t\u00edm, kter\u00e9 polo\u017eky m\u016f\u017eete ze seznamu vy\u0161krtnout a p\u0159estat za n\u011b utr\u00e1cet. Anebo si najd\u011bte dal\u0161\u00ed zdroj p\u0159\u00edjmu. V p\u0159\u00edpad\u011b, \u017ee jsou va\u0161e p\u0159\u00edjmy vy\u0161\u0161\u00ed ne\u017e v\u00fddaje, tak gratulujeme. I tak m\u016f\u017eete p\u0159ehodnotit v\u0161e, za co plat\u00edte a zbavit se nepot\u0159ebn\u00e9ho.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sestavit si rozpo\u010det nen\u00ed v\u016fbec t\u011b\u017ek\u00e9","item":"https:\/\/www.kocicarny.cz\/sestavit-si-rozpocet-neni-vubec-tezke\/#breadcrumbitem"}]}]