[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sineal.sk\/vytvarajte-rezervu-kym-mate-z-coho\/#Article","mainEntityOfPage":"https:\/\/www.sineal.sk\/vytvarajte-rezervu-kym-mate-z-coho\/","headline":"Vytv\u00e1rajte rezervu, k\u00fdm m\u00e1te z \u010doho","name":"Vytv\u00e1rajte rezervu, k\u00fdm m\u00e1te z \u010doho","description":"V \u017eivote je potrebn\u00e9 si vytvori\u0165 rezervu vo v\u0161etkom. O tom ak\u00e9 je d\u00f4le\u017eit\u00e9 si vytv\u00e1ra\u0165 finan\u010dn\u00fa rezervu u\u017e sn\u00e1\u010f ani len nem\u00f4\u017ee by\u0165 re\u010d. … ","datePublished":"2019-07-07","dateModified":"2019-07-07","author":{"@type":"Person","@id":"https:\/\/www.sineal.sk\/author\/#Person","name":"","url":"https:\/\/www.sineal.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3064f57e4a87acc15ee08ce03d01afdc2a328e3d2da280f2bcfaabcbd486d62e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3064f57e4a87acc15ee08ce03d01afdc2a328e3d2da280f2bcfaabcbd486d62e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sineal.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sineal.sk\/wp-content\/uploads\/img_a305180_w16814_t1566406557.jpg","url":"https:\/\/www.sineal.sk\/wp-content\/uploads\/img_a305180_w16814_t1566406557.jpg","height":0,"width":0},"url":"https:\/\/www.sineal.sk\/vytvarajte-rezervu-kym-mate-z-coho\/","about":["Financie"],"wordCount":454,"articleBody":"V \u017eivote je potrebn\u00e9 si vytvori\u0165 rezervu vo v\u0161etkom. O tom ak\u00e9 je d\u00f4le\u017eit\u00e9 si vytv\u00e1ra\u0165 finan\u010dn\u00fa rezervu u\u017e sn\u00e1\u010f ani len nem\u00f4\u017ee by\u0165 re\u010d. No napriek tomu ve\u013ea \u013eud\u00ed na to nemysl\u00ed. Ak \u00e1no zv\u00e4\u010d\u0161a u\u017e u\u017e b\u00fdva dos\u0165 neskoro. V\u00e4\u010d\u0161ina \u013eud\u00ed za\u010d\u00edna spori\u0165 a\u017e ke\u010f u\u017e je neskoro. Uvedomia si \u017ee bud\u00facnos\u0165 nebude a\u017e tak\u00e1 ru\u017eov\u00e1 ako si predstavovali a 1500\u20ac pre nich dvoch je stra\u0161ne m\u00e1lo na to aby mohli \u017ei\u0165. A nielen pre\u017e\u00edva\u0165 z v\u00fdplaty do v\u00fdplaty. Pri pl\u00e1novan\u00ed spolo\u010dnej bud\u00facnosti v\u00e4\u010d\u0161inou pl\u00e1nuj\u00fa die\u0165a a\u017e ke\u010f sa k\u00fapi nov\u00e9 a v\u00e4\u010d\u0161ie auto, alebo sa oprav\u00ed strecha na dome \u010di oprav\u00ed jadro v\u00a0 panel\u00e1ku. Ale takto \u017eivot nefunguje. \u017divot si toti\u017e cestu n\u00e1jde a s t\u00fdm u\u017e ve\u013ea nezm\u00f4\u017eete. Preto je dobre za\u010da\u0165 myslie\u0165 dopredu a hlavne za\u010da\u0165 hne\u010f. Nie zajtra, nie od pondelka, nie nabud\u00face ale tu a teraz. Preto\u017ee ani vy u\u017e nebudete mlad\u0161\u00ed ako ste boli napr\u00edklad v\u010dera.\u00a0Ke\u010f sa na to pozrieme z finan\u010dn\u00e9ho h\u013eadiska tak Slov\u00e1ci patria z dlhodob\u00e9ho h\u013eadiska sk\u00f4r ku konzervat\u00edvcom a nerad\u00ed s peniazmi riskuj\u00fa. Pri tak n\u00edzkom pr\u00edme ako maj\u00fa sa niet \u010domu divi\u0165. Je desiv\u00e9 \u017ee aj v roku 2019 a\u017e 16% Slov\u00e1kov nedisponuje \u017eiadnou finan\u010dnou rezervou preto\u017ee ju nemaj\u00fa z \u010doho vytvori\u0165. Trocha lep\u0161ie je na tom \u010fal\u0161ia skupina \u013eud\u00ed. T\u00e1 by dok\u00e1zala pre\u017ei\u0165 z finan\u010dnej rezervy tak maxim\u00e1lne 2-3 mesiace. Ak teda berieme do \u00favahy priemern\u00fa mzdu pod\u013ea tabuliek. Preto tomu netreba d\u00e1va\u0165 skuto\u010dne ve\u013ek\u00fa v\u00e1hu. Ako isto v\u0161etci vieme priemern\u00fd plat je s\u00fahrn platu od upratova\u010dky po riadite\u013ea a tak vznik\u00e1 klamliv\u00fd dojem o tom ako tomu v\u00a0 skuto\u010dnosti je. Preto je ak\u00e1ko\u013evek diskusia o nezvy\u0161ovan\u00ed minim\u00e1lnej mzdy absol\u00fatne nezodpovedn\u00e1. Preto\u017ee viac ako 2-3 mesiace by z finan\u010dnej rezervy by dok\u00e1zalo pre\u017ei\u0165 menej ako 10% \u013eud\u00ed. A aj to sa tu bav\u00edme o \u013eudoch s vy\u0161\u0161\u00edm pr\u00edmom. Ale tak\u00fdchto \u013eud\u00ed je st\u00e1le minimum. No v tomto pr\u00edpade sa tu u\u017e bav\u00edme sk\u00f4r o \u017eivnostn\u00edkoch a r\u00f4znych mal\u00fdch podnikate\u013eoch. Popr\u00edpade pracovn\u00edkov v IT sektore. No ten je dlhodobe dobre platen\u00fd a preto nie je f\u00e9r vo\u010di ostatn\u00fdm ho d\u00e1va\u0165 do jednej kateg\u00f3rie napr\u00edklad spolu s v\u00fdrobn\u00fdmi zamestnancami a vytv\u00e1ra\u0165 tak r\u00f4zne priemery.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vytv\u00e1rajte rezervu, k\u00fdm m\u00e1te z \u010doho","item":"https:\/\/www.sineal.sk\/vytvarajte-rezervu-kym-mate-z-coho\/#breadcrumbitem"}]}]