[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.litaxs.cz\/jak-zachazet-s-penezi-spravne-setrit-dle-pravidla-50-30-20\/#Article","mainEntityOfPage":"https:\/\/www.litaxs.cz\/jak-zachazet-s-penezi-spravne-setrit-dle-pravidla-50-30-20\/","headline":"Jak zach\u00e1zet s pen\u011bzi: spr\u00e1vn\u011b \u0161et\u0159it dle pravidla 50-30-20","name":"Jak zach\u00e1zet s pen\u011bzi: spr\u00e1vn\u011b \u0161et\u0159it dle pravidla 50-30-20","description":"V podstat\u011b jsme mnohem v\u011bt\u0161\u00ed fanou\u0161ci v\u00fddaj\u016f ne\u017e spo\u0159en\u00ed. Koneckonc\u016f, \u010d\u00edslo na v\u00fdpisu banky nen\u00ed tak p\u0159\u00edjemn\u00e9 jako nov\u00e9 \u0161aty nebo p\u0159\u00edjemn\u00fd ve\u010der s d\u00e1mami. Ale \u0161kr\u00e1bat se na \u010dele ka\u017ed\u00fd m\u011bs\u00edc kv\u016fli nule ve v\u00fdpisu a ob\u00e1vat se, \u017ee se nap\u0159\u00edklad pra\u010dka neo\u010dek\u00e1van\u011b rozbije a my si nebudeme moct dovolit opravu, m\u016f\u017ee na\u0161\u00ed mysl...","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.litaxs.cz\/author\/#Person","name":"","url":"https:\/\/www.litaxs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/046c8368865b87ac6ea06cde0e0a80b91304a43fe31de210702ad59bbd9a1974?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"litaxs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.litaxs.cz\/wp-content\/uploads\/img_a330051_w2670_t1542621391.jpg","url":"https:\/\/www.litaxs.cz\/wp-content\/uploads\/img_a330051_w2670_t1542621391.jpg","height":0,"width":0},"url":"https:\/\/www.litaxs.cz\/jak-zachazet-s-penezi-spravne-setrit-dle-pravidla-50-30-20\/","about":["Finance"],"wordCount":463,"articleBody":"V podstat\u011b jsme mnohem v\u011bt\u0161\u00ed fanou\u0161ci v\u00fddaj\u016f ne\u017e spo\u0159en\u00ed. Koneckonc\u016f, \u010d\u00edslo na v\u00fdpisu banky nen\u00ed tak p\u0159\u00edjemn\u00e9 jako nov\u00e9 \u0161aty nebo p\u0159\u00edjemn\u00fd ve\u010der s d\u00e1mami. Ale \u0161kr\u00e1bat se na \u010dele ka\u017ed\u00fd m\u011bs\u00edc kv\u016fli nule ve v\u00fdpisu a ob\u00e1vat se, \u017ee se nap\u0159\u00edklad pra\u010dka neo\u010dek\u00e1van\u011b rozbije a my si nebudeme moct dovolit opravu, m\u016f\u017ee na\u0161\u00ed mysl velmi zarmoutit. Tak\u017ee pot\u0159ebujeme strategii, jak zvl\u00e1dnout pen\u00edze – a jedna mo\u017en\u00e1 je: pravidlo 50-30-20. Podle odborn\u00edk\u016f je pravidlo 50-30-20 v z\u00e1sad\u011b dobr\u00fdm zp\u016fsobem, jak rozd\u011blit vlastn\u00ed p\u0159\u00edjem nebo rozpo\u010det. Co \u0159\u00edk\u00e1 Pravidlo? 50 procent na\u0161ich pen\u011bz by m\u011blo pokr\u00fdt n\u00e1klady na v\u011bci, kter\u00e9 pot\u0159ebujeme. 30 procent je k dispozici pro v\u011bci, kter\u00e9 chceme. A pak bychom m\u011bli zb\u00fdvaj\u00edc\u00edch 20 procent ulo\u017eit, a to ide\u00e1ln\u011b na samostatn\u00fd spo\u0159\u00edc\u00ed \u00fa\u010det. \u25cf       50 procent – v\u011bci, kter\u00e9 pot\u0159ebujeme: n\u00e1jemn\u00e9, mobilita, energie, potraviny, telefon.\u25cf       30 procent – v\u011bci, kter\u00e9 by jsme chceme:oble\u010den\u00ed, cestov\u00e1n\u00ed, n\u00e1v\u0161t\u011bvy restaurac\u00ed, kino, divadlo apod. Jsou to v\u00fddaje uleh\u010duj\u00edc\u00ed \u017eivot.\u25cf       20 procent – rezerva:toto by m\u011bla b\u00fdt va\u0161e rezerva na hor\u0161\u00ed \u010dasy. Pokud budete m\u00edt pen\u00edze takto ulo\u017een\u00e9, nemus\u00ed b\u00fdt pro v\u00e1s nap\u0159\u00edklad rozbit\u00e9 auto no\u010dn\u00ed m\u016frou. A\u010dkoli je tato hodnota nejmen\u0161\u00ed, svoj\u00ed d\u016fle\u017eitost\u00ed se \u0159ad\u00ed hned za pravideln\u00e9 v\u00fddaje a n\u00e1klady. V z\u00e1vislosti na va\u0161em rozpo\u010dtu a fixn\u00edch n\u00e1kladech, m\u016f\u017eete pou\u017e\u00edt hodnoty pro va\u0161\u00ed individu\u00e1ln\u00ed situaci. Nesm\u00ed v\u0161ak platit,aby u t\u0159et\u00ed hodnoty byla 0! Je pravda, \u017ee i kdy\u017e ekonomi\u010dt\u00ed experti maj\u00ed tendenci pracovat s procenty m\u00edsto pevn\u00fdch hodnot, procenta pro mnoho lid\u00ed mohou b\u00fdt nerealistick\u00e9. Nap\u0159\u00edklad: m\u011bst\u0161t\u00ed singles s n\u00edzk\u00fdm a\u017e st\u0159edn\u00edm p\u0159\u00edjmem, pokud si maj\u00ed d\u00e1t jen 50 procent sv\u00e9ho p\u0159\u00edjmu na n\u00e1jem, mnoho z nich budou ur\u010dit\u011b \u0161\u0165astn\u00fdch. Ale v podstat\u011b je to dobr\u00e9, kdy\u017e si ujasn\u00edme, za co m\u016f\u017eeme utr\u00e1cet pen\u00edze, a co si je\u0161t\u011b m\u016f\u017eeme dovolit. Udr\u017e\u00edte-li sv\u00e9 v\u00fddaje podle tohoto pravidla, nebudete muset zbyte\u010dn\u011b vyu\u017e\u00edvat r\u016fzn\u00fdch kr\u00e1tkodob\u00fdch drah\u00fdch p\u016fj\u010dek, ani v\u00e1s nezasko\u010d\u00ed r\u016fzn\u00e9 p\u0159ed v\u00fdplatn\u00ed krize. Pravidlo lze vyu\u017e\u00edt na p\u0159\u00edjem jednoho \u010dlov\u011bka, stejn\u011b jako cel\u00e9 rodiny.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zach\u00e1zet s pen\u011bzi: spr\u00e1vn\u011b \u0161et\u0159it dle pravidla 50-30-20","item":"https:\/\/www.litaxs.cz\/jak-zachazet-s-penezi-spravne-setrit-dle-pravidla-50-30-20\/#breadcrumbitem"}]}]