[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hkcz.cz\/domaci-finance-cele-rodiny-pod-kontrolou\/#Article","mainEntityOfPage":"https:\/\/www.hkcz.cz\/domaci-finance-cele-rodiny-pod-kontrolou\/","headline":"Dom\u00e1c\u00ed finance cel\u00e9 rodiny pod kontrolou!","name":"Dom\u00e1c\u00ed finance cel\u00e9 rodiny pod kontrolou!","description":"Rodiny, kde je situace kolem financ\u00ed tak dobr\u00e1, \u017ee se nemus\u00ed nikdo starat o finance a v\u0161ichni si libovoln\u011b pou\u017e\u00edvaj\u00ed platebn\u00ed karty, je asi tak m\u00e1lo, jako hrachu, co udr\u017e\u00ed se na st\u011bn\u011b, kdy\u017e ho na ni budete vrhat. Ostatn\u00ed … ","datePublished":"2025-02-27","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.hkcz.cz\/author\/#Person","name":"","url":"https:\/\/www.hkcz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa16db3f0f92015edeb6ced2fbc10116de89c6b4888114a368937de5fe58241b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hkcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hkcz.cz\/wp-content\/uploads\/img_a320240_w2155_t1531468027.png","url":"https:\/\/www.hkcz.cz\/wp-content\/uploads\/img_a320240_w2155_t1531468027.png","height":0,"width":0},"url":"https:\/\/www.hkcz.cz\/domaci-finance-cele-rodiny-pod-kontrolou\/","wordCount":507,"articleBody":" Rodiny, kde je situace kolem financ\u00ed tak dobr\u00e1, \u017ee se nemus\u00ed nikdo starat o finance a v\u0161ichni si libovoln\u011b pou\u017e\u00edvaj\u00ed platebn\u00ed karty, je asi tak m\u00e1lo, jako hrachu, co udr\u017e\u00ed se na st\u011bn\u011b, kdy\u017e ho na ni budete vrhat. Ostatn\u00ed z n\u00e1s v\u0161ak mus\u00ed ji\u017e finance \u0159e\u0161it.  Za \u00fa\u010delem ohl\u00edd\u00e1n\u00ed si finan\u010dn\u00ed situace a celkov\u00e9ho hospoda\u0159en\u00ed dom\u00e1cnosti, aby se sn\u00ed\u017eilo riziko zbyte\u010dn\u00fdch v\u00fddaj\u016f a zadlu\u017een\u00ed rodiny, je pot\u0159eba si ud\u011blat finan\u010dn\u00ed pl\u00e1n, tak zvan\u00fd rodinn\u00fd rozpo\u010det. Ostatn\u011b takov\u00fd si m\u016f\u017ee ud\u011blat i jedinec. A nejen, \u017ee m\u016f\u017ee, ale v podstat\u011b by m\u011bl! Kdy\u017e si ud\u011bl\u00e1te p\u0159ehled, m\u016f\u017eete tak\u00e9 p\u0159ij\u00edt na to, kde je mo\u017en\u00e9 za\u010d\u00edt d\u011blat \u00faspory a rezervy pro p\u0159\u00edpady, kdy v\u00e1m p\u0159ijdou ne\u010dekan\u00e9 v\u00fddaje.  Velk\u00e1 \u0159\u00e1dka lid\u00ed a rodin toti\u017e vych\u00e1z\u00ed s pen\u011bzi tak n\u011bjak, ale pro p\u0159\u00edpad nenad\u00e1l\u00fdch situac\u00ed pak nen\u00ed p\u0159ipravena. Dle pr\u016fzkum\u016f, jejich\u017e v\u00fdsledky jsou zn\u00e1m\u00e9 z internetu, je toti\u017e ka\u017ed\u00fd t\u0159et\u00ed \u010dlov\u011bk neschopn\u00fd vyj\u00edt s pen\u011bzi, kter\u00e9 si m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1. Celkov\u011b pak polovina dom\u00e1cnost\u00ed v \u010cesk\u00e9 republice je neschopna nenad\u00e1l\u00e9 finan\u010dn\u00ed n\u00e1klady vy\u0159e\u0161it rozumn\u011b a dost\u00e1v\u00e1 se pak do finan\u010dn\u00edch probl\u00e9m\u016f. Pro\u010d m\u00edt finance pod kontrolou? \u00b7 Samoz\u0159ejm\u011b zadlu\u017eit se do nep\u0159\u00edjemn\u00fdch rozm\u011br\u016f m\u016f\u017ee b\u00fdt a\u017e likvida\u010dn\u00ed. \u00b7 Podle sociolog\u016f je v\u0161ak \u0161patn\u00e1 finan\u010dn\u00ed situace tak\u00e9 a\u017e v osmdes\u00e1ti procentech p\u0159\u00edpad\u016f d\u016fvodem k rozpadu man\u017eelstv\u00ed. \u00b7 Krom\u011b z\u00e1znam\u016f v rejst\u0159\u00edc\u00edch a rozpadu dosavadn\u00edch partnersk\u00fdch vztah\u016f tak\u00e9 ohro\u017eujete vztahy s rodi\u010di, p\u0159\u00e1teli a sv\u00fdm d\u011btem do budoucna m\u016f\u017eete zp\u016fsobit tak\u00e9 nep\u0159\u00edjemn\u00e9 situace. \u00b7 M\u011bjte finance pod kontrolou a bu\u010fte d\u011btem sp\u00ed\u0161e p\u0159\u00edkladem!  Jak si sestavit rozpo\u010det? 1. Rozpo\u010det se sestav\u00ed pro dom\u00e1cnost \u010di jedince pom\u011brn\u011b snadno. Sep\u00ed\u0161ou se v\u0161echny v\u00fddaje a p\u0159\u00edjmy rodiny \u010di jedince. 2. Uspo\u0159\u00e1daj\u00ed se podle kategori\u00ed. 3. Vz\u00e1jemn\u011b si porovn\u00e1te jednotliv\u00e9 v\u00fd\u0161e jednotliv\u00fdch polo\u017eek a kategori\u00ed. 4. Pokud vid\u00edte na prvn\u00ed pohled, \u017ee v\u00fd\u0161e p\u0159\u00edjm\u016f je ni\u017e\u0161\u00ed ne\u017e v\u00fd\u0161e v\u00fddaj\u016f, okam\u017eit\u011b je t\u0159eba v\u0161echny kategorie d\u016fkladn\u011b proj\u00edt a ujasnit si, kde hned za\u010dnete \u0161et\u0159it. 5. Ka\u017ed\u00fd m\u011bs\u00edc pak m\u016f\u017eete p\u0159izp\u016fsobovat rozpo\u010det podle aktu\u00e1ln\u00edho v\u00fdvoje. Rozpo\u010det m\u016f\u017eete ud\u011blat na pap\u00edr \u010di vyu\u017e\u00edt internetov\u00fdch slu\u017eeb nebo i mobiln\u00ed aplikace, kter\u00e9 v\u00e1m finance pomohou hl\u00eddat. V po\u010d\u00edta\u010di zase m\u016f\u017eete vyu\u017e\u00edvat Excel a p\u0159izp\u016fsobit si ho tak, jak v\u00e1m by v\u0161echno m\u011blo vyhovovat.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u00e1c\u00ed finance cel\u00e9 rodiny pod kontrolou!","item":"https:\/\/www.hkcz.cz\/domaci-finance-cele-rodiny-pod-kontrolou\/#breadcrumbitem"}]}]