[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nooby.sk\/pravidla-ktore-by-ste-mali-vediet-pri-hospodareni-s-peniazmi\/#Article","mainEntityOfPage":"https:\/\/www.nooby.sk\/pravidla-ktore-by-ste-mali-vediet-pri-hospodareni-s-peniazmi\/","headline":"PRAVIDL\u00c1, KTOR\u00c9 BY STE MALI VEDIE\u0164 PRI HOSPOD\u00c1REN\u00cd S PENIAZMI","name":"PRAVIDL\u00c1, KTOR\u00c9 BY STE MALI VEDIE\u0164 PRI HOSPOD\u00c1REN\u00cd S PENIAZMI","description":"Rozpo\u010det Pravidlo 50\/30\/20 je popul\u00e1rne hlavne pri delen\u00ed rozpo\u010dtu. 50% v\u00e1\u0161ho rozpo\u010dtu by malo smerova\u0165 na b\u00fdvanie a \u00fa\u010dty. Dvadsa\u0165 […]","datePublished":"2018-03-03","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.nooby.sk\/author\/#Person","name":"","url":"https:\/\/www.nooby.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nooby.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nooby.sk\/wp-content\/uploads\/img_a287583_w16506_t1525355982.jpg","url":"https:\/\/www.nooby.sk\/wp-content\/uploads\/img_a287583_w16506_t1525355982.jpg","height":0,"width":0},"url":"https:\/\/www.nooby.sk\/pravidla-ktore-by-ste-mali-vediet-pri-hospodareni-s-peniazmi\/","wordCount":497,"articleBody":"Rozpo\u010detPravidlo 50\/30\/20 je popul\u00e1rne hlavne pri delen\u00ed rozpo\u010dtu. 50% v\u00e1\u0161ho rozpo\u010dtu by malo smerova\u0165 na b\u00fdvanie a \u00fa\u010dty. Dvadsa\u0165 percent je dobr\u00e9 prideli\u0165 va\u0161im cie\u013eom ako je d\u00f4chodkov\u00e9 sporenie alebo spl\u00e1canie dlhov. Nakoniec 30% va\u0161ich pr\u00edjmov m\u00f4\u017ee by\u0165 pridelen\u00fdch potreb\u00e1m ako s\u00fa jedlo a z\u00e1bava.\u00a0Existuj\u00fa aj vari\u00e1cie tohto z\u00e1kladn\u00e9ho pravidla a to 80\/20 pri ktorom 20% v\u00e1\u0161ho pr\u00edjmu pou\u017eijete na finan\u010dn\u00e9 ciele a zvy\u0161ok na v\u0161etko ostatn\u00e9.\u00a0Kedy to funguje: ak ste si nie ist\u00ed ako rozdeli\u0165 v\u00e1\u0161 pr\u00edjem tak toto rozdelenie do kateg\u00f3ri\u00ed m\u00f4\u017ee by\u0165 pre v\u00e1s u\u017eito\u010dn\u00e9Kedy to nefunguje:ak m\u00e1te pr\u00edli\u0161 n\u00edzky pr\u00edjem, 50% na b\u00fdvanie a \u00fa\u010dty m\u00f4\u017ee by\u0165 pre v\u00e1s ve\u013ea\u00a0K\u00fapa autaV tomto pr\u00edpade plat\u00ed pravidlo 20\/4\/10. Pri n\u00e1kupe auta by ste mali zn\u00ed\u017ei\u0165 aspo\u0148 o 20%. Mali by ste ho financova\u0165 na dobu maxim\u00e1lne 4 rokov a a vynalo\u017ei\u0165 10% z v\u00e1\u0161ho pr\u00edjmu na n\u00e1klady na dopravu.\u00a0Kedy to funguje: toto pravidlo v\u00e1m zabr\u00e1ni nakupova\u0165 viac vozidiel ne\u017e si m\u00f4\u017eete dovoli\u0165, zoh\u013ead\u0148uje v\u00e1\u0161 prebiehaj\u00faci rozpo\u010det s v\u00fdpo\u010dtom celkov\u00fdch dopravn\u00fdch n\u00e1kladovKedy to nefunguje: v z\u00e1vislosti od va\u0161ej situ\u00e1cie m\u00f4\u017eu by\u0165 pre v\u00e1s tieto \u010d\u00edsla nerealistick\u00e9, napr\u00edklad m\u00f4\u017eete ma\u0165 a\u017e pr\u00edli\u0161 n\u00edzky pr\u00edjem, t\u00fdm p\u00e1dom s\u00fa pre v\u00e1s n\u00e1klady na dopravu vy\u0161\u0161ie ne\u017e 10%\u00a0K\u00fapa nehnute\u013enostiPravidlo 20%. Pri k\u00fape domu alebo bytu by ste mali pod\u013ea tohto pravidla zn\u00ed\u017ei\u0165 o 20%.\u00a0Kedy to funguje:toto pravidlo v\u00e1m zabezpe\u010d\u00ed aby ste neminuli na dom viac ne\u017e si m\u00f4\u017eete dovoli\u0165, zn\u00ed\u017eite si t\u00fdm mesa\u010dn\u00e9 n\u00e1klady na hypot\u00e9ku a z\u00e1rove\u0148 zv\u00fd\u0161ite \u0161ance na schv\u00e1lenie \u00faveruKedy to nefunguje:aj ke\u010f je toto dos\u0165 tradi\u010dn\u00e1 vo\u013eba, n\u00e1zory na \u0148u sa l\u00ed\u0161ia, niektor\u00ed odborn\u00edci tvrdia, \u017ee zatia\u013e \u010do dom je akt\u00edvom, nemali by sme sa na jeho \u00fakor vzd\u00e1va\u0165 svojej likvidity alebo \u00faspor preto ve\u013ea \u013eud\u00ed pova\u017euje toto pravidlo za nere\u00e1lne\u00a0Sporenie na d\u00f4chodokPravidlo 10%. Toto je zrejme najtradi\u010dnej\u0161\u00edm pravidlom pokia\u013e sa jedn\u00e1 o \u00faspory pri odchode do d\u00f4chodku.Kedy to funguje:ak ste mlad\u00ed a e\u0161te ste len za\u010dali zar\u00e1ba\u0165 a neviete s ak\u00fa sumu by ste mali na to vyhradi\u0165 tak toto m\u00f4\u017ee by\u0165 pre v\u00e1s vhodnou vo\u013ebouKedy to nefunguje:toto percento v\u0161ak nezoh\u013ead\u0148uje ko\u013eko toho budete v skuto\u010dnosti v d\u00f4chodku potrebova\u0165 a nezoh\u013ead\u0148uje ani to ko\u013eko ste pr\u00e1ve ulo\u017eili, ak u\u017e ste vo vy\u0161\u0161om veku, pravdepodobne si budete musie\u0165 odklada\u0165 viac ako 10% zo svojich pr\u00edjmov                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"PRAVIDL\u00c1, KTOR\u00c9 BY STE MALI VEDIE\u0164 PRI HOSPOD\u00c1REN\u00cd S PENIAZMI","item":"https:\/\/www.nooby.sk\/pravidla-ktore-by-ste-mali-vediet-pri-hospodareni-s-peniazmi\/#breadcrumbitem"}]}]