[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.minca.cz\/je-potreba-mit-osobni-rozpocet\/#Article","mainEntityOfPage":"https:\/\/www.minca.cz\/je-potreba-mit-osobni-rozpocet\/","headline":"Je pot\u0159eba m\u00edt osobn\u00ed rozpo\u010det?","name":"Je pot\u0159eba m\u00edt osobn\u00ed rozpo\u010det?","description":"\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mo\u017en\u00e1 se to zd\u00e1 vtipn\u00e9, ale kdy\u017e se stav\u00ed d\u016fm\u00a0\u010di m\u00e1te jin\u00fd projekt, v\u017edy k n\u011bmu m\u00e1te rozpo\u010det, abyste se ho dr\u017eeli a v\u011bd\u011bli, jak si stoj\u00edte. Pro\u010d tedy nen\u00ed p\u0159irozen\u00e9 ka\u017ed\u00e9mu z n\u00e1s si sestavit rozpo\u010det? Pro\u010d utr\u00e1c\u00edme pen\u00edze, kter\u00e9 ani je\u0161t\u011b nem\u00e1me? A pro\u010d, kdy\u017e je m\u00e1me, ani nev\u00edme, kolik jich m\u00e1me […]","datePublished":"2025-03-04","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.minca.cz\/author\/#Person","name":"minca.cz\n","url":"https:\/\/www.minca.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87132efef9f5972c3e770e1fb0907fb3dcc1311f82da5f30bffbae0bd81cf8c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"minca.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.minca.cz\/wp-content\/uploads\/img_a304077_w1964_t1515063735.jpg","url":"https:\/\/www.minca.cz\/wp-content\/uploads\/img_a304077_w1964_t1515063735.jpg","height":0,"width":0},"url":"https:\/\/www.minca.cz\/je-potreba-mit-osobni-rozpocet\/","about":["Ekonomika"],"wordCount":499,"articleBody":"\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Mo\u017en\u00e1 se to zd\u00e1 vtipn\u00e9, ale kdy\u017e se stav\u00ed d\u016fm\u00a0\u010di m\u00e1te jin\u00fd projekt, v\u017edy k n\u011bmu m\u00e1te rozpo\u010det, abyste se ho dr\u017eeli a v\u011bd\u011bli, jak si stoj\u00edte. Pro\u010d tedy nen\u00ed p\u0159irozen\u00e9 ka\u017ed\u00e9mu z n\u00e1s si sestavit rozpo\u010det? Pro\u010d utr\u00e1c\u00edme pen\u00edze, kter\u00e9 ani je\u0161t\u011b nem\u00e1me? A pro\u010d, kdy\u017e je m\u00e1me, ani nev\u00edme, kolik jich m\u00e1me a kde. \u010casto v\u016fbec netu\u0161\u00edme, jestli spo\u0159\u00edme dost, jestli budeme m\u00edt z \u010deho \u017e\u00edt v d\u016fchodu, jestli m\u00e1me v\u016fbec pen\u00edze na to, kdyby se n\u011bco p\u0159ihodilo a m\u011bli bychom n\u00e1hl\u00e9 v\u00fddaje.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jak si sestavit jednoduch\u00fd rozpo\u010det a pro\u010d?\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pokud se rozhodnete m\u00edt pen\u00edze pod kontrolou, ur\u010dit\u011b ud\u011bl\u00e1te dob\u0159e, nejen pro to, abyste v\u011bd\u011bli, \u017ee m\u016f\u017eete \u0161et\u0159it, ale tak\u00e9, abyste v\u011bd\u011bli, kolik ka\u017ed\u00fd m\u011bs\u00edc m\u016f\u017eete vydat za va\u0161e kon\u00ed\u010dky a tak d\u00e1le.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Star\u00e9 zn\u00e1m\u00e9 pravidlo \u0159\u00edk\u00e1, \u017ee 10% p\u0159\u00edjm\u016f by m\u011blo j\u00edt na spl\u00e1tky dluh\u016f (hypot\u00e9ky, \u00fav\u011bry atd.), dal\u0161\u00edch 10% z p\u0159\u00edjm\u016f by m\u011blo j\u00edt na spo\u0159en\u00ed (penzijn\u00ed, stavebn\u00ed, spo\u0159\u00edc\u00ed \u00fa\u010det). Tato zn\u00e1m\u00e1 pravda je zaps\u00e1na ji\u017e v knize Nejbohat\u0161\u00ed mu\u017e Babylonu.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tak tedy, nyn\u00ed si vezm\u011bte \u010dist\u00fd pap\u00edr a tu\u017eku, rozd\u011blte si jej na dv\u011b poloviny, p\u0159i\u010dem\u017e na jedn\u00e9 stran\u011b budete m\u00edt p\u0159\u00edjmy a na druh\u00e9 v\u00fddaje.\u00a0Mezi p\u0159\u00edjmy za\u0159a\u010fte:\u2022\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed\u2022\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy z brig\u00e1dy a vedlej\u0161\u00edch pracovn\u00edch pom\u011br\u016f\u2022\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy z podnik\u00e1n\u00ed\u2022\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy z pron\u00e1jmu nemovitost\u00ed\u00a0Mezi v\u00fddaje pak vypi\u0161te:\u2022\u00a0\u00a0\u00a0\u00a0 Hypot\u00e9ku, \u00fav\u011br, spl\u00e1tky kontokorent\u016f\u2022\u00a0\u00a0\u00a0\u00a0 N\u00e1jem, elektriku, vodu, internet, telefon\u2022\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed, stavebn\u00ed spo\u0159en\u00ed, spo\u0159\u00edc\u00ed \u00fa\u010dty, investice\u2022\u00a0\u00a0\u00a0\u00a0 V\u00fddaje za j\u00eddlo, pit\u00ed, restaurace, kav\u00e1rny\u2022\u00a0\u00a0\u00a0\u00a0 `V\u00fddaje za benz\u00edn, m\u011bstskou hromadnou dopravu, vlaky\u2022\u00a0\u00a0\u00a0\u00a0 V\u00fddaje za kon\u00ed\u010dky – cestov\u00e1n\u00ed, cvi\u010den\u00ed\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ide\u00e1ln\u00ed je, pokud si jeden m\u011bs\u00edc schov\u00e1te v\u0161echny \u00fa\u010dtenky a vyp\u00ed\u0161ete si v\u0161echny v\u00fddaje dle \u00fa\u010dtenek a dle v\u00fdpisu z \u00fa\u010dtu, abyste znali skute\u010dn\u00e9 hodnoty.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pokud spo\u010d\u00edt\u00e1te v\u0161echny polo\u017eky p\u0159\u00edjm\u016f a ode\u010dtete v\u00fddaje, zjist\u00edte, jak na tom jste. Nikoli v\u00fdjime\u010dn\u011b se st\u00e1v\u00e1, \u017ee lid\u00e9 zji\u0161\u0165uj\u00ed, \u017ee utr\u00e1c\u00ed v\u00edc, ne\u017e vyd\u011bl\u00e1vaj\u00ed. Pak si sednou k polo\u017ek\u00e1m v rozpo\u010dtu a zjist\u00ed, \u017ee mohou u\u0161et\u0159it na spoust\u011b polo\u017ek\u00e1ch, a\u0165 u\u017e jde o poplatky bance, nev\u00fdhodn\u00e9 zastaral\u00e9 tarify na mobilu a podobn\u011b.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Prost\u011b je pot\u0159eba optimalizovat vlastn\u00ed rozpo\u010det podle aktu\u00e1ln\u00ed situace na trhu, aktu\u00e1ln\u00ed v\u00fd\u0161e p\u0159\u00edjm\u016f a podobn\u011b.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je pot\u0159eba m\u00edt osobn\u00ed rozpo\u010det?","item":"https:\/\/www.minca.cz\/je-potreba-mit-osobni-rozpocet\/#breadcrumbitem"}]}]