{"id":17715,"date":"2021-03-02T20:00:11","date_gmt":"2021-03-02T20:00:11","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=17715"},"modified":"2021-03-02T20:00:15","modified_gmt":"2021-03-02T20:00:15","slug":"como-poupar-dinheiro-em-2021","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/como-poupar-dinheiro-em-2021\/","title":{"rendered":"Jak u\u0161et\u0159it pen\u00edze v roce 2021"},"content":{"rendered":"
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Jak mohu za\u010d\u00edt \u0161et\u0159it?<\/strong><\/h2>\n<\/div>
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\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: Matchmoney)<\/figcaption><\/figure>\n<\/div>
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P\u0159i sestavov\u00e1n\u00ed finan\u010dn\u00edho pl\u00e1nu v\u00e1s jako prvn\u00ed napadne, jak u\u0161et\u0159it. V tom lid\u00e9 hledaj\u00ed r\u016fzn\u00e9 zp\u016fsoby, jak m\u00edt dobrou finan\u010dn\u00ed n\u00e1vratnost.<\/p>\n<\/div>

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D\u011bje se tak proto, \u017ee p\u0159i sou\u010dasn\u00e9 m\u00ed\u0159e inflace nen\u00ed pouh\u00e9 ukl\u00e1d\u00e1n\u00ed finan\u010dn\u00edch hodnot v\u00fdhodn\u00e9, proto\u017ee v dlouhodob\u00e9m horizontu by mohlo p\u0159in\u00e9st sp\u00ed\u0161e ztr\u00e1ty ne\u017e finan\u010dn\u00ed zisky.<\/p>\n<\/div>

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Dnes v\u00e1m uk\u00e1\u017eeme, jak m\u016f\u017eete u\u0161et\u0159it pen\u00edze v roce 2021, a poskytneme tipy, kter\u00e9 p\u0159inesou rychl\u00e9 a efektivn\u00ed v\u00fdsledky.<\/p>\n<\/div>

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Jak d\u016fle\u017eit\u00e1 je \u00faspora pen\u011bz?<\/strong><\/h2>\n<\/div>
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\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: Matchmoney)<\/figcaption><\/figure>\n<\/div>
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Spo\u0159en\u00ed p\u0159in\u00e1\u0161\u00ed zpo\u010d\u00e1tku \u0159adu v\u00fdhod, nap\u0159\u00edklad nez\u00e1vislost na finan\u010dn\u00edch p\u016fj\u010dk\u00e1ch v nal\u00e9hav\u00fdch nebo mimo\u0159\u00e1dn\u00fdch situac\u00edch.<\/p>\n<\/div>

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A nav\u00edc \u00faspora pen\u011bz p\u0159in\u00e1\u0161\u00ed jistotu a pohodl\u00ed v mnoha dal\u0161\u00edch situac\u00edch a pom\u00e1h\u00e1 v\u00e1m se finan\u010dn\u011b zorganizovat.<\/p>\n<\/div>

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Kolik bych m\u011bl u\u0161et\u0159it, abych u\u0161et\u0159il pen\u00edze?<\/strong><\/h3>\n<\/div>
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\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: blog convenia)<\/figcaption><\/figure>\n<\/div>
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Chcete-li odpov\u011bd\u011bt na tuto ot\u00e1zku, mus\u00edte nejprve pochopit, \u017ee neexistuj\u00ed \u017e\u00e1dn\u00e9 p\u0159esn\u00e9 hodnoty pro \u00fasporu pen\u011bz.<\/p>\n<\/div>

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Doporu\u010duje se v\u0161ak, aby alespo\u0148 10% m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu bylo sm\u011brov\u00e1no na finan\u010dn\u00ed priority, a pokud \u017e\u00e1dn\u00e9 nejsou, lze je u\u0161et\u0159it.<\/p>\n<\/div>

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Je toti\u017e d\u016fle\u017eit\u00e9 zm\u00ednit, \u017ee naspo\u0159en\u00e9 \u010d\u00e1stky se budou li\u0161it v z\u00e1vislosti na ka\u017ed\u00e9 osob\u011b a ka\u017ed\u00e9 finan\u010dn\u00ed situaci.<\/p>\n<\/div>

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Nem\u016f\u017eeme tedy stanovit jedin\u00fd parametr, proto\u017ee finan\u010dn\u00ed realita je odli\u0161n\u00e1.<\/p>\n<\/div>

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10 tip\u016f, jak u\u0161et\u0159it<\/strong><\/h2>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: Rupee)<\/figcaption><\/figure>\n<\/div>
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Nyn\u00ed se tedy pod\u00edvejme na 10 dn\u00ed, kdy m\u016f\u017eete v roce 2021 za\u010d\u00edt \u0161et\u0159it pen\u00edze. Pod\u00edvejte se na to:<\/p>\n<\/div>

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M\u011bjte tabulku kontroly v\u00fddaj\u016f<\/strong><\/h3>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: Azulis)<\/figcaption><\/figure>\n<\/div>
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A na\u0161\u00edm prvn\u00edm tipem je, abyste m\u011bli tabulku kontroly v\u00fddaj\u016f.<\/p>\n<\/div>

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Chcete-li to prov\u00e9st, m\u016f\u017eete tabulku vytvo\u0159it pomoc\u00ed Excelu, na star\u00e9m dobr\u00e9m pap\u00ed\u0159e nebo dokonce pomoc\u00ed n\u00e1kladov\u00e9 aplikace.<\/p>\n<\/div>

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V t\u00e9to tabulce zap\u00ed\u0161ete do detailu v\u0161echny p\u0159\u00edjmy a v\u00fddaje, a\u0165 u\u017e fixn\u00ed nebo variabiln\u00ed, a tak\u00e9 ve\u0161ker\u00e9 sv\u00e9 p\u0159\u00edjmy.<\/p>\n<\/div>

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Je d\u016fle\u017eit\u00e9 zm\u00ednit, \u017ee \u017e\u00e1dn\u00e9 informace by nem\u011bly z\u016fstat opomenuty, i kdy\u017e existuj\u00ed star\u00e9 dluhy.<\/p>\n<\/div>

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Je to proto, \u017ee mnoho lid\u00ed nedok\u00e1\u017ee vytvo\u0159it tabulku kontroly v\u00fddaj\u016f ze strachu, \u017ee budou muset \u010delit v\u0161em v\u00fddaj\u016fm.<\/p>\n<\/div>

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Tabulkov\u00fd procesor je v\u0161ak prvn\u00edm krokem k vyv\u00e1\u017een\u00e9mu a organizovan\u00e9mu finan\u010dn\u00edmu \u017eivotu. <\/p>\n<\/div>

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Existuj\u00ed aplikace, kter\u00e9 si m\u016f\u017eete st\u00e1hnout do sv\u00e9ho mobiln\u00edho telefonu, jako je Guia Bolso a Mobiilis, kter\u00e9 nab\u00edzej\u00ed n\u011bkolik jednoduch\u00fdch a interaktivn\u00edch funkc\u00ed, d\u00edky nim\u017e bude kontrola va\u0161ich v\u00fddaj\u016f je\u0161t\u011b u\u017eite\u010dn\u011bj\u0161\u00ed.<\/p>\n<\/div>

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Proto si ur\u010dit\u011b ud\u011blejte tabulku pro kontrolu v\u00fddaj\u016f, abyste mohli za\u010d\u00edt \u0161et\u0159it.<\/p>\n<\/div>

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Sni\u017ete zbyte\u010dn\u00e9 v\u00fddaje<\/strong><\/h3>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it pen\u00edze v roce 2021? (Obr\u00e1zek: iPlace Blog)<\/figcaption><\/figure>\n<\/div>
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Dal\u0161\u00edm tipem, jak u\u0161et\u0159it, je vy\u0161krtnout v\u0161echny nadbyte\u010dn\u00e9 v\u00fddaje, tedy ty, kter\u00e9 jsou zbyte\u010dn\u00e9.<\/p>\n<\/div>

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Je to proto, \u017ee v tabulce kontroly v\u00fddaj\u016f pro v\u00e1s bude je\u0161t\u011b snaz\u0161\u00ed vid\u011bt, kter\u00e9 v\u00fddaje jsou u\u017eite\u010dn\u00e9 a kter\u00e9 zbyte\u010dn\u00e9.<\/p>\n<\/div>

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Omezte tedy v\u0161echny nadbyte\u010dn\u00e9 v\u00fddaje nebo je alespo\u0148 co nejv\u00edce sni\u017ete.<\/p>\n<\/div>

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Tyto v\u00fddaje se mohou pohybovat od k\u00e1vy po ob\u011bd\u011b ka\u017ed\u00fd den v pr\u00e1ci a\u017e po ob\u011bd v restauraci, kter\u00e1 se m\u016f\u017ee zm\u011bnit z luxusn\u00ed restaurace na jednodu\u0161\u0161\u00ed.<\/p>\n<\/div>

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V t\u011bchto p\u0159\u00edpadech m\u016f\u017ee b\u00fdt rozd\u00edl hned minim\u00e1ln\u00ed, ale na konci m\u011bs\u00edce je rozd\u00edl v\u00fdrazn\u00fd.<\/p>\n<\/div>

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Sni\u017ete proto v\u0161echny v\u00fddaje, kter\u00fdm se lze vyhnout, nebo je zredukujte na levn\u011bj\u0161\u00ed mo\u017enosti.<\/p>\n<\/div>

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Zajist\u011bte p\u0159enositelnost \u00fav\u011bru<\/strong><\/h3>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: \u0161erpa)<\/figcaption><\/figure>\n<\/div>
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Dal\u0161\u00ed mo\u017enost\u00ed, jak u\u0161et\u0159it, je p\u0159enositelnost \u00fav\u011bru.<\/p>\n<\/div>

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Jin\u00fdmi slovy, proveden\u00ed p\u0159evodu \u00fav\u011brov\u00e9 smlouvy z jedn\u00e9 finan\u010dn\u00ed instituce do jin\u00e9 finan\u010dn\u00ed instituce.<\/p>\n<\/div>

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V t\u011bchto p\u0159\u00edpadech jsou v\u00fdhody zalo\u017eeny na skute\u010dnosti, \u017ee hodnoty druh\u00e9 instituce nemohou b\u00fdt vy\u0161\u0161\u00ed ne\u017e hodnoty prvn\u00ed.<\/p>\n<\/div>

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Pot\u00e9 mus\u00ed b\u00fdt sazby a hodnoty sjedn\u00e1ny mezi klientem a novou finan\u010dn\u00ed instituc\u00ed.<\/p>\n<\/div>

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P\u0159enositelnost \u00fav\u011bru je proto mo\u017enost\u00ed pro ty, kte\u0159\u00ed cht\u011bj\u00ed u\u0161et\u0159it a p\u0159esto splatit sv\u00e9 dluhy.<\/p>\n<\/div>

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Stanovte si c\u00edle \u00faspor<\/strong><\/h3>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: blog rodobens)<\/figcaption><\/figure>\n<\/div>
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P\u0159i spo\u0159en\u00ed pen\u011bz je stanoven\u00ed c\u00edl\u016f spo\u0159en\u00ed tak\u00e9 skv\u011blou p\u0159\u00edle\u017eitost\u00ed k dosa\u017een\u00ed vlastn\u00edch finan\u010dn\u00edch c\u00edl\u016f.<\/p>\n<\/div>

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Je to proto, \u017ee vytvo\u0159en\u00edm vlastn\u00edch c\u00edl\u016f se donut\u00edte \u0161et\u0159it pen\u00edze, sni\u017eovat v\u00fddaje a d\u011blat v\u0161e, co je nezbytn\u00e9 k dosa\u017een\u00ed va\u0161ich c\u00edl\u016f.<\/p>\n<\/div>

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Zkuste si tedy stanovit c\u00edle pro \u010d\u00e1stky, kter\u00e9 hodl\u00e1te u\u0161et\u0159it, a jak dlouho bude trvat, ne\u017e t\u011bchto \u010d\u00e1stek dos\u00e1hnete.<\/p>\n<\/div>

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Stanoven\u00ed c\u00edl\u016f spo\u0159en\u00ed je proto tak\u00e9 jedn\u00edm z krok\u016f k \u00faspor\u00e1m v roce 2021.<\/p>\n<\/div>

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Pla\u0165te sv\u00e9 \u00fa\u010dty v\u010das<\/strong><\/h3>\n<\/div>
\n
\"Como
Jak u\u0161et\u0159it v roce 2021? (Obr\u00e1zek: TCE)<\/figcaption><\/figure>\n<\/div>
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Dal\u0161\u00edm tipem, jak u\u0161et\u0159it, je platit \u00fa\u010dty v\u010das, tedy v doporu\u010den\u00fdch term\u00ednech.<\/p>\n<\/div>

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Je to proto, \u017ee p\u0159i pozdn\u00edch faktur\u00e1ch jsou obvykle \u00fa\u010dtov\u00e1ny \u00farokov\u00e9 sazby a pokuty, kter\u00e9 po\u0161kozuj\u00ed finance.<\/p>\n<\/div>

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Vyberte si tedy den v m\u011bs\u00edci, kdy zaplat\u00edte v\u0161echny sv\u00e9 v\u00fddaje, aby nedoch\u00e1zelo ke zpo\u017ed\u011bn\u00edm.<\/p>\n<\/div>

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V tomto p\u0159\u00edpad\u011b si st\u00e1le do tabulky, kterou jsme zm\u00ednili d\u0159\u00edve, zapi\u0161te v\u0161echny sv\u00e9 finan\u010dn\u00ed transakce, a tak budete moci v\u011bd\u011bt o v\u0161ech sv\u00fdch finan\u010dn\u00edch v\u00fddaj\u00edch.<\/p>\n<\/div>

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