[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-si-z-vlastnich-penez-vydelat-6-000-kc-rocne\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-si-z-vlastnich-penez-vydelat-6-000-kc-rocne\/","headline":"Jak si z vlastn\u00edch pen\u011bz vyd\u011blat 6.000 K\u010d ro\u010dn\u011b?","name":"Jak si z vlastn\u00edch pen\u011bz vyd\u011blat 6.000 K\u010d ro\u010dn\u011b?","description":"Nad t\u00edmto p\u0159em\u00fd\u0161l\u00ed snad ka\u017ed\u00fd. Ale odpov\u011b\u010f je velmi jednoduch\u00e1. Sta\u010d\u00ed jen um\u011bt hospoda\u0159it s pen\u011bzi. Tento \u010dl\u00e1nek je pro v\u0161echny, kte\u0159\u00ed cht\u011bj\u00ed za rok ze sv\u00fdch p\u0159\u00edjm\u016f vyt\u011b\u017eit n\u011bjak\u00e9 ty pen\u00edze nav\u00edc. Nejprve se pod\u00edv\u00e1me na sv\u016fj osobn\u00ed rozpo\u010det. Jako prvn\u00ed mus\u00edme zjistit jak\u00fd je n\u00e1\u0161 M\u011bs\u00ed\u010dn\u00ed z\u016fstatek pen\u011bz. Proto dva a\u017e t\u0159i m\u011bs\u00edce po …

Jak si z vlastn\u00edch pen\u011bz vyd\u011blat 6.000 K\u010d ro\u010dn\u011b?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-10-31","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_a303916_w1992_t1514717879.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a303916_w1992_t1514717879.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-si-z-vlastnich-penez-vydelat-6-000-kc-rocne\/","about":["P\u016fj\u010dky"],"wordCount":754,"articleBody":"\tNad t\u00edmto p\u0159em\u00fd\u0161l\u00ed snad ka\u017ed\u00fd. Ale odpov\u011b\u010f je velmi jednoduch\u00e1. Sta\u010d\u00ed jen um\u011bt hospoda\u0159it s pen\u011bzi. Tento \u010dl\u00e1nek je pro v\u0161echny, kte\u0159\u00ed cht\u011bj\u00ed za rok ze sv\u00fdch p\u0159\u00edjm\u016f vyt\u011b\u017eit n\u011bjak\u00e9 ty pen\u00edze nav\u00edc.\t\tNejprve se pod\u00edv\u00e1me na sv\u016fj osobn\u00ed rozpo\u010det.Jako prvn\u00ed mus\u00edme zjistit jak\u00fd je n\u00e1\u0161 M\u011bs\u00ed\u010dn\u00ed z\u016fstatek pen\u011bz. Proto dva a\u017e t\u0159i m\u011bs\u00edce po sob\u011b provedeme anal\u00fdzu sv\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f. Pokud chceme b\u00fdt opravdu d\u016fsledn\u00ed, budeme si sepisovat ka\u017edou vyd\u011blanou a utracenou korunu a p\u0159edev\u0161\u00edm za co. \u010casem pak m\u016f\u017eeme i zjistit, \u017ee kupujete st\u00e1le stejnou nepot\u0159ebnou v\u011bci nebo, \u017ee utr\u00e1c\u00edte pen\u00edze za n\u011bco, co ani nepot\u0159ebujete, jen v\u00e1s zmanipulovali obchodn\u00edci se sv\u00fdmi slevami a v\u00e1m to nedalo a museli jste to koupit.\tPro\u010d analyzovat v\u00fddaje a p\u0159\u00edjmy 2 – 3 m\u011bs\u00edce. Nesta\u010d\u00ed to pouze jeden m\u011bs\u00edc?Odpov\u011b\u010f je velmi jednoduch\u00e1. Prvn\u00ed m\u011bs\u00edc m\u016f\u017eeme m\u00edt ne\u010dekan\u00fd v\u00fddej nebo ne\u010dekan\u00fd p\u0159\u00edjem a tedy m\u016f\u017eou b\u00fdt \u00fadaje nep\u0159esn\u00e9 v \u0159\u00e1dech tis\u00edc\u016f. Pokud se n\u00e1m M\u011bs\u00ed\u010dn\u00ed z\u016fstatek po dobu dvou m\u011bs\u00edc\u016f t\u00e9m\u011b\u0159 nezm\u011bn\u00ed, m\u016f\u017eeme t\u0159et\u00ed m\u011bs\u00edc m\u00edt jen jako potvrzovac\u00ed. Proto se doporu\u010duj\u00ed sv\u00e9 p\u0159\u00edjmy a v\u00fddaje m\u011b\u0159it alespo\u0148 dva po sob\u011b jdouc\u00ed m\u011bs\u00edce. Odhadovat co bylo minul\u00fd m\u011bs\u00edc a co bude dal\u0161\u00ed, nen\u00ed taky p\u0159esn\u00e9 a v\u016fbec vhodn\u00e9.\tJak vypo\u010d\u00edtat m\u011bs\u00ed\u010dn\u00ed z\u016fstatek?·         P\u0159\u00edjmy za m\u011bs\u00edc: 18.250 K\u010d·         V\u00fddaje za m\u011bs\u00edc: 18.500 K\u010do   J\u00eddlo – 4.700 K\u010do   Ubytov\u00e1n\u00ed – 9.465 K\u010do   Mobiln\u00ed oper\u00e1to\u0159i – 625 K\u010do   Doprava – 1.500 K\u010do   Oble\u010den\u00ed – 800 K\u010do   Osobn\u00ed v\u011bci – 1.410 K\u010d·         M\u011bs\u00ed\u010dn\u00ed z\u016fstatek je tedy -250k\u010d (ka\u017ed\u00fd m\u011bs\u00edc tedy ztr\u00e1c\u00edme 250 korun)o   Spo\u010d\u00edt\u00e1 se to jako p\u0159\u00edjmy – v\u00fddaje = m\u011bs\u00ed\u010dn\u00ed z\u016fstatek\tZjistil jsem m\u011bs\u00ed\u010dn\u00ed z\u016fstatek, jak tedy \u0161et\u0159it?Nyn\u00ed v\u00edme n\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed z\u016fstatek a m\u016f\u017eeme se pustit do \u0161et\u0159en\u00ed. V\u00edme dle na\u0161eho p\u0159\u00edkladu, \u017ee jsme v ka\u017ed\u00e9m m\u011bs\u00edci v m\u00ednusu a mus\u00edme si tedy kolikr\u00e1t p\u016fj\u010dovat a t\u00edm p\u00e1dem si p\u016fj\u010dujeme ka\u017ed\u00fd m\u011bs\u00edc a ro\u010dn\u011b tedy m\u016f\u017eeme d\u00edky t\u011bmto p\u016fj\u010dk\u00e1m ztratit skoro 2.000 K\u010d. A pr\u00e1v\u011b, alespo\u0148 tyto pen\u00edze zkus\u00edme na\u0161et\u0159it. Za\u010dneme t\u00edm, \u017ee z ka\u017ed\u00e9 polo\u017eky, kterou m\u016f\u017eeme ovliv\u0148ovat (nen\u00ed pevn\u011b dan\u00e1) odebereme p\u00e1r korun. Tedy v na\u0161em p\u0159\u00edpad\u011b, z j\u00eddla m\u016f\u017eeme odebrat 50k\u010d, z dopravy 50k\u010d, z oble\u010den\u00ed 150k\u010d a z osobn\u00edch v\u011bc\u00ed 200k\u010d. V tuto chv\u00edli m\u00e1me vnit\u0159n\u00ed polo\u017eku, kterou si m\u016f\u017eeme neodborn\u011b nazvat jako „v\u00fdd\u011blky z v\u00fddaj\u016f“. V tuto chv\u00edli m\u00e1me 450k\u010d jako v\u00fdd\u011blek z na\u0161ich v\u00fddaj\u016f.Nemuseli jsme tedy odebrat 450k\u010d z polo\u017eky osobn\u00edch v\u011bc\u00ed, kter\u00e9 tak nutn\u011b nepot\u0159ebujeme, ale chceme je, a p\u0159esto m\u00e1me m\u011bs\u00ed\u010dn\u00ed zisk 200k\u010d. Za rok tento zisk \u010din\u00ed 2.400 K\u010d a sami si um\u00edte spo\u010d\u00edtat, kolik budete m\u00edt pen\u011bz za 10 let p\u0159i m\u011bs\u00ed\u010dn\u00edm spo\u0159en\u00ed 200k\u010d. Pokud, ale nav\u00fd\u0161\u00edte vnit\u0159n\u00ed polo\u017eku „v\u00fdd\u011blky z v\u00fddaj\u016f“ na 500 K\u010d m\u011bs\u00ed\u010dn\u011b, za rok ji\u017e m\u00e1te 6.000k\u010d.P\u0159eji V\u00e1m p\u0159\u00edjemn\u00e9 \u0161et\u0159en\u00ed a klidn\u00e9 nervy p\u0159i po\u010d\u00edt\u00e1n\u00ed m\u011bs\u00ed\u010dn\u00edho obratu, n\u011bkdy to toti\u017e zabere opravdu kupu \u010dasu. D\u00e1t dohromady ka\u017edou \u00fa\u010dtenku \u010di nezapomenout na n\u011bjakou polo\u017eku. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si z vlastn\u00edch pen\u011bz vyd\u011blat 6.000 K\u010d ro\u010dn\u011b?","item":"https:\/\/www.zerba.cz\/jak-si-z-vlastnich-penez-vydelat-6-000-kc-rocne\/#breadcrumbitem"}]}]