[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/sporit-nebo-nesporit\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/sporit-nebo-nesporit\/","headline":"Spo\u0159it nebo nespo\u0159it?","name":"Spo\u0159it nebo nespo\u0159it?","description":"Ot\u00e1zkou je, zda m\u00e1me v\u016fbec z \u010deho spo\u0159it. Spousta mlad\u00fdch rodin v\u00e1m \u0159ekne, \u017ee ze sv\u00fdch plat\u016f nemohou naplno financovat ani sv\u00e9 vlastn\u00ed \u017eit\u00ed, nato\u017e pak si po\u0159\u00eddit d\u00edt\u011b a nav\u00edc je\u0161t\u011b, k tomu v\u0161emu, spo\u0159it. Zkr\u00e1tka pro mnoho mlad\u00fdch rodin je to nep\u0159edstaviteln\u00e9. P\u0159esto v\u0161ak, mluv\u00ed statistiky jasn\u011b. V \u010cesku si pr\u00fd spo\u0159\u00ed dv\u011b t\u0159etiny obyvatel. To …

Spo\u0159it nebo nespo\u0159it?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-01-29","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}},"url":"https:\/\/www.zerba.cz\/sporit-nebo-nesporit\/","about":["Investice"],"wordCount":516,"articleBody":"\tOt\u00e1zkou je, zda m\u00e1me v\u016fbec z \u010deho spo\u0159it. Spousta mlad\u00fdch rodin v\u00e1m \u0159ekne, \u017ee ze sv\u00fdch plat\u016f nemohou naplno financovat ani sv\u00e9 vlastn\u00ed \u017eit\u00ed, nato\u017e pak si po\u0159\u00eddit d\u00edt\u011b a nav\u00edc je\u0161t\u011b, k tomu v\u0161emu, spo\u0159it. Zkr\u00e1tka pro mnoho mlad\u00fdch rodin je to nep\u0159edstaviteln\u00e9. P\u0159esto v\u0161ak, mluv\u00ed statistiky jasn\u011b. V \u010cesku si pr\u00fd spo\u0159\u00ed dv\u011b t\u0159etiny obyvatel. To je sice p\u011bkn\u00e9, ale v\u011bt\u0161in\u011b z nich, by jejich \u00faspory sta\u010dily sotva na dva m\u011bs\u00edce.\t\u017divot se m\u00e1 u\u017e\u00edvat–          U\u017e\u00edvat si \u017eivot pln\u00fdmi dou\u0161ky – to je kr\u00e1sn\u00e9 a jist\u011b by to tak do jist\u00e9 m\u00edry m\u011blo i b\u00fdt. Jen\u017ee, abychom si ho mohli u\u017e\u00edvat kdykoli a za jak\u00fdchkoli okolnost\u00ed, alespo\u0148 n\u011bjak\u00e9 finan\u010dn\u00ed rezervy m\u00edt mus\u00edme. D\u016fle\u017eit\u00e9 je, si uv\u011bdomit, co n\u00e1m vlastn\u011b v\u0161echno hroz\u00ed, co skute\u010dn\u011b ke sv\u00e9mu \u017eivotu pot\u0159ebujeme hned a co po\u010dk\u00e1, co by se mohlo st\u00e1t, kdyby. A te\u010f si to poj\u010fme rozebrat.–          Co n\u00e1m hroz\u00ed – t\u011bch potenci\u00e1ln\u00edch nebezpe\u010d\u00ed je mnoho, z\u00e1le\u017e\u00ed, kam a\u017e bychom za\u0161li. Vyjmenujeme si alespo\u0148 n\u011bkter\u00e1. T\u0159eba takov\u00fd spadl\u00fd strom, kter\u00fd n\u00e1m m\u016f\u017ee spadnout na d\u016fm, lij\u00e1k m\u016f\u017ee zap\u0159\u00ed\u010dinit na\u0161e vytopen\u00ed, siln\u00fd v\u00edtr n\u00e1m odnese st\u0159echu. Zamysl\u00edme se tedy, v jak\u00e9m stavu m\u00e1me sv\u016fj d\u016fm, kde stoj\u00ed, tedy jestli mu hroz\u00ed n\u011bjak\u00e1 katastrofa, proto\u017ee je t\u0159eba star\u00fd, stoj\u00ed v \u00fadol\u016f, nebo naopak na kopci. Kdyby se n\u00e1m n\u011bco z v\u00fd\u0161e uveden\u00e9ho stalo, m\u00e1me dostatek financ\u00ed, abychom v\u0161e dali do po\u0159\u00e1dku? Jist\u011b, nemus\u00edte m\u00edt na v\u0161e pen\u00edze v hotovosti, n\u011bkde bude sta\u010dit b\u00fdt poji\u0161t\u011bn a \u010derpat pak z pojistky.–           Co pot\u0159ebujeme – jsou v\u011bci, kter\u00e9 ke sv\u00e9mu \u017eivotu pot\u0159ebujeme nezbytn\u011b a pak jsou ty, kter\u00e9 jsou pova\u017eov\u00e1ny za standard. T\u0159eba takov\u00e1 ledni\u010dka je pova\u017eov\u00e1na za d\u016fle\u017eitou sou\u010d\u00e1st na\u0161\u00ed dom\u00e1cnosti. V dne\u0161n\u00ed dob\u011b ji nem\u00e1 u\u017e opravdu jen m\u00e1lokdo. Na druhou stranu t\u0159eba dom\u00e1c\u00ed kino nutn\u011b nepot\u0159ebujeme. Pokud ale m\u00e1me dostatek finan\u010dn\u00edch prost\u0159edk\u016f, pro\u010d bychom si ji nekoupili. Nebo si na ni m\u016f\u017eeme u\u0161et\u0159it, tedy naspo\u0159it.D\u016fle\u017eit\u00e9 je se hlavn\u011b nezadlu\u017eit a n\u00e1sledn\u011b nem\u00edt na spl\u00e1tky. To se pak velmi \u010dasto st\u00e1v\u00e1 \u017ee p\u0159ijdeme nejen o zbo\u017e\u00ed na spl\u00e1tky zakoupen\u00e9, ale t\u0159eba i o st\u0159echu nad hlavou. A to p\u0159ece nechceme. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spo\u0159it nebo nespo\u0159it?","item":"https:\/\/www.zerba.cz\/sporit-nebo-nesporit\/#breadcrumbitem"}]}]