[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vespapv.cz\/jak-vlastne-poznat-ze-dobre-hospodarite\/#Article","mainEntityOfPage":"https:\/\/www.vespapv.cz\/jak-vlastne-poznat-ze-dobre-hospodarite\/","headline":"Jak vlastn\u011b poznat, \u017ee dob\u0159e hospoda\u0159\u00edte?","name":"Jak vlastn\u011b poznat, \u017ee dob\u0159e hospoda\u0159\u00edte?","description":"P\u0159ichystali jsme pro v\u00e1s n\u011bkolik bod\u016f, kter\u00e9 v\u00e1m \u0159eknou, jak vlastn\u011b um\u00edte hospoda\u0159it. Pen\u00edze a n\u011bjak\u00fd ten dom\u00e1c\u00ed rozpo\u010det jsou slova, kter\u00e1 jdou nutn\u011b k sob\u011b dohromady. Ka\u017ed\u00fd by cht\u011bl m\u00edt neomezen\u00e9 pen\u00edze, jenom\u017ee v \u017eivot\u011b nic takov\u00e9ho nen\u00ed. Je proto nesm\u00edrn\u011b d\u016fle\u017eit\u00e9 vyu\u017e\u00edt sv\u00e9 pen\u00edze na maximum, abyste t\u011b\u017eili…","datePublished":"2018-07-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.vespapv.cz\/author\/#Person","name":"","url":"https:\/\/www.vespapv.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vespapv.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vespapv.cz\/wp-content\/uploads\/img_a324421_w2656_t1536221034.jpg","url":"https:\/\/www.vespapv.cz\/wp-content\/uploads\/img_a324421_w2656_t1536221034.jpg","height":0,"width":0},"url":"https:\/\/www.vespapv.cz\/jak-vlastne-poznat-ze-dobre-hospodarite\/","wordCount":431,"articleBody":"P\u0159ichystali jsme pro v\u00e1s n\u011bkolik bod\u016f, kter\u00e9 v\u00e1m \u0159eknou, jak vlastn\u011b um\u00edte hospoda\u0159it. Pen\u00edze a n\u011bjak\u00fd ten dom\u00e1c\u00ed rozpo\u010det jsou slova, kter\u00e1 jdou nutn\u011b k sob\u011b dohromady. Ka\u017ed\u00fd by cht\u011bl m\u00edt neomezen\u00e9 pen\u00edze, jenom\u017ee v \u017eivot\u011b nic takov\u00e9ho nen\u00ed. Je proto nesm\u00edrn\u011b d\u016fle\u017eit\u00e9 vyu\u017e\u00edt sv\u00e9 pen\u00edze na maximum, abyste t\u011b\u017eili co nejv\u00edce u\u017eitku.
 
 a) Nem\u00e1te dluhy
 Kdo nem\u00e1 dluhy, dob\u0159e hospoda\u0159\u00ed. Nejedn\u00e1 se jenom o to, \u017ee byste snad nem\u011bli dlouhodob\u011b pen\u00edze. Ale dob\u0159e zva\u017eujete rizika, dob\u0159e zva\u017eujete situaci. To, \u017ee si n\u011bkdo vzal p\u016fj\u010dku, neznamen\u00e1 nutn\u011b, \u017ee m\u00e1 dluh, ale sp\u00ed\u0161e je za n\u00edm pohled\u00e1vka. Dluhem se st\u00e1v\u00e1 tehdy, pokud nen\u00ed \u0159\u00e1dn\u011b pln\u011bno. V\u011bt\u0161inou se do dluhu dost\u00e1vaj\u00ed lid\u00e9, kte\u0159\u00ed si moc s financemi poradit neum\u00ed. Jedn\u00e1 se o ka\u017edou t\u0159et\u00ed dom\u00e1cnost v republice. Dost alarmuj\u00edc\u00ed \u010d\u00edslo pro ka\u017edou ekonomiku, proto\u017ee zadlu\u017een\u00e9 dom\u00e1cnosti nejsou v\u016fbec t\u00edm prav\u00fdm o\u0159echov\u00fdm. Pokud nem\u00e1te dluhy, i p\u0159es to, \u017ee jste norm\u00e1ln\u011b funguj\u00edc\u00ed dom\u00e1cnost, znamen\u00e1 to, \u017ee v\u00edte, jak pracovat s pen\u011bzi.
 
 b) M\u016f\u017eete si dovolit nadstandard
 M\u016f\u017ee to b\u00fdt dovolen\u00e1, drah\u00e9 oble\u010den\u00ed, wellness, drah\u00fd kon\u00ed\u010dek. N\u011bco, co neut\u00e1hne ka\u017ed\u00fd, ale vy si to dovolit m\u016f\u017eete. A nemus\u00edte vyd\u011bl\u00e1vat stovky tis\u00edc. N\u011bkdy to jde, i kdy\u017e je rozpo\u010det trochu men\u0161\u00ed. V\u0161echno je to jenom o tom, jak moc dob\u0159e se dok\u00e1\u017eete ve vlastn\u00edch finan\u010dn\u00edch mo\u017enostech zorientovat.
 
 c) Neutr\u00e1c\u00edte zbyte\u010dn\u011b
 Tohle je velk\u00e9 plus. Dok\u00e1\u017eete si \u0159\u00edct ne. Ka\u017ed\u00fd, kdo dok\u00e1\u017ee odolat l\u00edbiv\u00e9 reklam\u011b nebo p\u0159\u00edslibu naprost\u00e9 pohody, dok\u00e1\u017ee pot\u00e9 u\u0161et\u0159en\u00e9 pen\u00edze mnohem v\u00edce z\u00faro\u010dit. N\u011bkdo v\u00e1m nab\u00edz\u00ed naprosto super investici, n\u00e1vratnost a\u017e 30 % v \u00faroku? Rad\u011bji si ty pen\u00edze u\u017eijte na dovolen\u00e9. A naopak, nast\u011bhujete se do men\u0161\u00edho bytu, abyste mohli budovat pasivn\u00ed p\u0159\u00edjem? V\u00fdborn\u00fd tah.
 
 Pokud jste se na\u0161li alespo\u0148 ve dvou ze t\u0159\u00ed bod\u016f, m\u016f\u017eeme v\u00e1m pogratulovat. Nejde je dodr\u017eovat dogmaticky, by\u0165 by to bylo k\u00fd\u017een\u00e9. Stejn\u011b jako v\u00e1\u0161 rozpo\u010det, i \u017eivot je pestrobarevn\u00fd. Je jenom na n\u00e1s, kter\u00e9 barvy budou p\u0159eva\u017eovat.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vlastn\u011b poznat, \u017ee dob\u0159e hospoda\u0159\u00edte?","item":"https:\/\/www.vespapv.cz\/jak-vlastne-poznat-ze-dobre-hospodarite\/#breadcrumbitem"}]}]