[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-efektivne-zachazet-se-sporicim-uctem\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-efektivne-zachazet-se-sporicim-uctem\/","headline":"Jak efektivn\u011b zach\u00e1zet se spo\u0159ic\u00edm \u00fa\u010dtem?","name":"Jak efektivn\u011b zach\u00e1zet se spo\u0159ic\u00edm \u00fa\u010dtem?","description":"\u010ce\u0161i jsou t\u00e9m\u011b\u0159 posedl\u00ed \u0161et\u0159en\u00edm a nakupov\u00e1n\u00edm ve slev\u00e1ch – av\u0161ak analytikov\u00e9 ve sv\u00fdch statistik\u00e1ch dokazuj\u00ed, \u017ee \u010desk\u00e9 dom\u00e1cnosti nejsou schopny \u0161et\u0159it tak, aby to m\u011blo na dom\u00e1c\u00ed ekonomiku efekt. Kup\u0159\u00edkladu uchov\u00e1van\u00ed pen\u011bz na \u00fa\u010dtech; m\u00edsto toho, aby si zalo\u017eili spo\u0159ic\u00ed \u00fa\u010det a nechali sv\u00e9 pen\u00edze zhodnotit, nechaj\u00ed je na tom b\u011b\u017en\u00e9m typu \u00fa\u010dtu, za …

Jak efektivn\u011b zach\u00e1zet se spo\u0159ic\u00edm \u00fa\u010dtem?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2016-10-01","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277515_w1991_t1601801089.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277515_w1991_t1601801089.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-efektivne-zachazet-se-sporicim-uctem\/","about":["Investice"],"wordCount":517,"articleBody":"\u010ce\u0161i jsou t\u00e9m\u011b\u0159 posedl\u00ed \u0161et\u0159en\u00edm a nakupov\u00e1n\u00edm ve slev\u00e1ch – av\u0161ak analytikov\u00e9 ve sv\u00fdch statistik\u00e1ch dokazuj\u00ed, \u017ee \u010desk\u00e9 dom\u00e1cnosti nejsou schopny \u0161et\u0159it tak, aby to m\u011blo na dom\u00e1c\u00ed ekonomiku efekt. Kup\u0159\u00edkladu uchov\u00e1van\u00ed pen\u011bz na \u00fa\u010dtech; m\u00edsto toho, aby si zalo\u017eili spo\u0159ic\u00ed \u00fa\u010det a nechali sv\u00e9 pen\u00edze zhodnotit, nechaj\u00ed je na tom b\u011b\u017en\u00e9m typu \u00fa\u010dtu, za jeho\u017e veden\u00ed se jim z pen\u011bz m\u011bs\u00ed\u010dn\u011b strh\u00e1vaj\u00ed poplatky.Ot\u00e1zka tedy z\u016fst\u00e1v\u00e1; m\u00e1 spo\u0159ic\u00ed \u00fa\u010det smysl? Jak se postarat, aby byly pen\u00edze zhodnocov\u00e1ny na maximum? V \u010dem je smysl spo\u0159ic\u00edho \u00fa\u010dtu? Jak \u0161et\u0159it, aby v\u00e1m spo\u0159en\u00ed doopravdy vyn\u00e1\u0161elo?Jak spo\u0159it skute\u010dn\u011b efektivn\u011b? 1.       Minimum na \u00fa\u010dtu Zachov\u00e1vejte pravidlo nutn\u00e9ho minima. Spo\u010d\u00edtejte si m\u011bs\u00ed\u010dn\u00ed n\u00e1klady a v\u00fddaje, kter\u00e9 pot\u0159ebujete na \u017eivobyt\u00ed, a zbytek pen\u011bz ihned p\u0159eve\u010fte na spo\u0159ic\u00ed \u00fa\u010det.2.       Nastavte si limit Na b\u011b\u017en\u00e9m \u00fa\u010dtu si m\u016f\u017eete nastavit hranici, kterou kdy\u017e finance na b\u011b\u017en\u00e9m \u00fa\u010dtu dos\u00e1hne, tyto pen\u00edze se automaticky po\u0161lou nespo\u0159ic\u00ed \u00fa\u010det. Lze to nastavit i opa\u010dn\u011b – kdy\u017e pen\u00edze na b\u011b\u017en\u00e9m \u00fa\u010dtu klesnou pod stanovenou hranici, pen\u00edze m\u016f\u017eete rovnou \u010derpat ze spo\u0159ic\u00edho \u00fa\u010dtu. Tomu se \u0159\u00edk\u00e1 maxim\u00e1ln\u00ed efektivita3.       \u00da\u010del sv\u011bt\u00ed prost\u0159edkyV\u011bt\u0161ina lid\u00ed nem\u00e1 skute\u010dn\u00fd pevn\u011b dan\u00fd sen, na co tyto pen\u00edze pou\u017e\u00edt, proto nevid\u00ed v \u0161et\u0159en\u00ed p\u0159\u00edli\u0161 velk\u00fd smysl. Pokud to jenom trochu jde, zap\u00e1trejte v sob\u011b a najd\u011bte si c\u00edl, kv\u016fli kter\u00e9mu bude st\u00e1t spo\u0159en\u00ed za to. Pamatujte, \u017ee je lep\u0161\u00ed deset let \u0161et\u0159it, ne\u017e si na rok p\u016fj\u010dit.4.       Ne\u010dekan\u00fd p\u0159\u00edjem Dostanete-li v zam\u011bstn\u00e1n\u00ed p\u0159id\u00e1no, nebo jsou to odm\u011bny \u010di jin\u00e9 pr\u00e9mie, pakli\u017ee je zrovna pr\u00e1v\u011b te\u010f nepot\u0159ebujete, p\u0159epo\u0161lete je na spo\u0159ic\u00ed \u00fa\u010det. Ne\u017e se rozhodnete, jak s pen\u011bzi nalo\u017eit.5.       M\u011bjte rezervn\u00ed obnosy\u010casy se zhor\u0161ily a v\u00e1m najednou vytanuly v realit\u011b v\u011bci, je\u017e je nutn\u00e9 jednor\u00e1zov\u011b zaplatit? A\u0165 u\u017e se jedn\u00e1 o v\u011bt\u0161\u00ed opravu na aut\u011b \u010di dom\u011b nebo dom\u00e1c\u00edch spot\u0159ebi\u010d\u00edch, pokud si spo\u0159\u00edte pen\u00edze bokem, va\u0161e starosti ohledn\u011b financ\u00ed vy\u0159e\u0161\u00ed obnos, kter\u00fd jste u\u0161et\u0159ili na spo\u0159ic\u00edm \u00fa\u010dtu.6.       Jak\u00fdkoli obnos je dostate\u010dn\u00fd Nemus\u00edte na spo\u0159ic\u00ed \u00fa\u010det pos\u00edlat pen\u00edze po tis\u00edc\u00edch. Ka\u017ed\u00e1 koruna dobr\u00e1 a kdo \u0161et\u0159\u00ed, m\u00e1 za t\u0159i. Nakonec uvid\u00edte, \u017ee i p\u00e1r stovek se d\u00e1 z\u00faro\u010dit. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak efektivn\u011b zach\u00e1zet se spo\u0159ic\u00edm \u00fa\u010dtem?","item":"https:\/\/www.zerba.cz\/jak-efektivne-zachazet-se-sporicim-uctem\/#breadcrumbitem"}]}]