{"id":10871,"date":"2026-01-29T08:57:08","date_gmt":"2026-01-29T07:57:08","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10871"},"modified":"2026-01-29T15:17:51","modified_gmt":"2026-01-29T14:17:51","slug":"financie-vo-vztahu-preco-je-dolezite-hovorit-o-peniazoch-otvorene","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/financie-vo-vztahu-preco-je-dolezite-hovorit-o-peniazoch-otvorene\/","title":{"rendered":"Financie vo vz\u0165ahu: Pre\u010do je d\u00f4le\u017eit\u00e9 hovori\u0165 o peniazoch otvorene"},"content":{"rendered":"\n<p><strong>Mnoh\u00e9 p\u00e1ry si ani po rokoch spolu\u017eitia nevedia sadn\u00fa\u0165 a \u00faprimne sa porozpr\u00e1va\u0165 o peniazoch. Pritom pr\u00e1ve finan\u010dn\u00e9 probl\u00e9my patria medzi naj\u010dastej\u0161ie sp\u00fa\u0161\u0165a\u010de man\u017eelsk\u00fdch kr\u00edz a rozvodov. Ako teda hovori\u0165 o peniazoch tak, aby to vz\u0165ah posilnilo a nie oslabilo?<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Za\u010dnite rozpo\u010dtom<\/h2>\n\n\n\n<p>Ak spolu b\u00fdvate alebo pl\u00e1nujete spolo\u010dn\u00fa bud\u00facnos\u0165, potrebujete ma\u0165 jasno v pr\u00edjmoch aj v\u00fddavkoch oboch str\u00e1n. Nie, nejde o kontrolu. Ide o d\u00f4veru a spolo\u010dn\u00e9 pl\u00e1novanie.<\/p>\n\n\n\n<p>Ak uva\u017eujete o hypot\u00e9ke alebo o inom spolo\u010dnom cieli, pom\u00f4\u017ee v\u00e1m jednoduch\u00fd preh\u013ead mesa\u010dn\u00e9ho rozpo\u010dtu. Pozrite sa spolu na n\u00e1klady na b\u00fdvanie, energie, potraviny a \u010fal\u0161ie pravideln\u00e9 v\u00fddavky. Ke\u010f pozn\u00e1te \u010d\u00edsla, \u013eah\u0161ie urob\u00edte zodpovedn\u00e9 a dlhodobo udr\u017eate\u013en\u00e9 rozhodnutia.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Rozdielne n\u00e1vyky s\u00fa norm\u00e1lne<\/h2>\n\n\n\n<p>Jeden m\u00ed\u0148a viac, druh\u00fd si systematicky spor\u00ed. Aj to je realita. O to d\u00f4le\u017eitej\u0161ie je, aby sa z pe\u0148az\u00ed nestala t\u00e9ma, ktor\u00fa otvor\u00edte a\u017e pri h\u00e1dke alebo v kr\u00edze.<\/p>\n\n\n\n<p>Sta\u010d\u00ed orienta\u010dn\u00fd preh\u013ead o invest\u00edci\u00e1ch a dlhoch oboch partnerov. Nie je to t\u00e9ma na prv\u00e9 rande, no po rokoch spolo\u010dn\u00e9ho \u017eivota je otvoren\u00e1 a \u00faprimn\u00e1 komunik\u00e1cia o financi\u00e1ch ve\u013emi prospe\u0161n\u00e1.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj blog <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-upratat-rodinny-rozpocet-a-udrzat-vydavky-na-uzde\/\">Ako si uprata\u0165 rodinn\u00fd rozpo\u010det a udr\u017ea\u0165 v\u00fddavky na uzde?<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Nezosob\u00e1\u0161en\u00ed partneri a spolo\u010dn\u00e9 z\u00e1v\u00e4zky<\/h2>\n\n\n\n<p>Prib\u00fada p\u00e1rov, ktor\u00e9 \u017eij\u00fa bez sob\u00e1\u0161a, no maj\u00fa spolo\u010dn\u00e9 z\u00e1v\u00e4zky, naj\u010dastej\u0161ie hypot\u00e9ku alebo nehnute\u013enos\u0165. Do hypot\u00e9ky vedia \u00eds\u0165 partneri aj bez toho, aby boli zosob\u00e1\u0161en\u00ed. Je to v\u00fdhodnej\u0161ie ako rie\u0161i\u0165 \u00faver s\u00e1m, preto\u017ee banka v\u010faka dvom pr\u00edjmom dok\u00e1\u017ee schv\u00e1li\u0165 vy\u0161\u0161iu hypot\u00e9ku a silnej\u0161ia bonita \u010dasto znamen\u00e1 aj lep\u0161ie podmienky, ni\u017e\u0161ie \u00faroky alebo dlh\u0161iu splatnos\u0165 \u00faveru.<\/p>\n\n\n\n<p>Myslite v\u0161ak aj na menej pr\u00edjemn\u00e9 scen\u00e1re. V pr\u00edpade rozchodu m\u00e1te v z\u00e1sade dve mo\u017enosti. Bu\u010f jeden z partnerov \u00faver preberie a vyplat\u00ed druh\u00e9ho, alebo nehnute\u013enos\u0165 pred\u00e1te a \u00faver vyplat\u00edte banke. V prvom pr\u00edpade mus\u00ed ma\u0165 partner, ktor\u00fd \u00faver preber\u00e1, dostato\u010dn\u00fd pr\u00edjem a bonitu. Inak banka nemus\u00ed s\u00fahlasi\u0165 s t\u00fdm, \u017ee druh\u00e9ho dl\u017en\u00edka z \u00faveru vypust\u00ed. Pri predaji si zas str\u00e1\u017ete aj mo\u017en\u00e9 da\u0148ov\u00e9 povinnosti.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=hypo_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo-hypotekarna-kalkulacka.gif\" alt=\"Fingo hypotek\u00e1rna kalkula\u010dka\" class=\"wp-image-6819\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Poistenie a rezerva ako prejav zodpovednosti<\/h2>\n\n\n\n<p>S\u00fa\u010das\u0165ou spolo\u010dn\u00e9ho finan\u010dn\u00e9ho pl\u00e1novania je poistenie aj budovanie rezervy. Zmysel m\u00e1 najm\u00e4 kvalitn\u00e9 \u017eivotn\u00e9 poistenie, ktor\u00e9 vie ochr\u00e1ni\u0165 partnera a rodinu pri v\u00e1\u017enom ochoren\u00ed alebo \u00faraze. Pr\u00e1ve tak\u00e9to situ\u00e1cie dok\u00e1\u017eu v\u00fdrazne naru\u0161i\u0165 spolo\u010dn\u00fa finan\u010dn\u00fa stabilitu.<\/p>\n\n\n\n<p>Rovnako d\u00f4le\u017eit\u00e9 je poistenie majetku, napr\u00edklad bytu, domu \u010di auta, a pravideln\u00e1 rezerva na ne\u010dakan\u00e9 v\u00fddavky.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" class=\"wp-image-6529\"\/><\/a><\/figure>\n\n\n\n<p>Ak m\u00e1te hypot\u00e9ku, nespoliehajte sa len na poistenie od banky. \u017divotn\u00e9 poistenie vie pon\u00faknu\u0165 \u0161ir\u0161ie krytie a d\u00e1va v\u00e1m viac slobody pri pou\u017eit\u00ed poistn\u00e9ho plnenia. Ak jeden z v\u00e1s pre \u00faraz alebo chorobu pr\u00edde o pr\u00edjem, druh\u00fd dok\u00e1\u017ee spl\u00e1ca\u0165 \u00faver a z\u00e1rove\u0148 rie\u0161i\u0165 lie\u010dbu \u010di opateru.<\/p>\n\n\n\n<p>Budovanie rezervy a dlhodob\u00e9 investovanie s\u00fa z\u00e1kladn\u00fdm pilierom rodinnej stability. Cie\u013eom nie je len hromadi\u0165 peniaze. Cie\u013eom je vytvori\u0165 bezpe\u010dn\u00e9 z\u00e1zemie, v\u010faka ktor\u00e9mu sa v\u00e1m bude \u013eah\u0161ie d\u00fdcha\u0165. Je jedno, \u010di peniaze nesk\u00f4r p\u00f4jdu do vlastn\u00e9ho b\u00fdvania alebo do \u0161t\u00fadia det\u00ed. D\u00f4le\u017eit\u00e9 je, aby ste mali kapit\u00e1l, ktor\u00fd pou\u017eijete, ke\u010f ho budete potrebova\u0165.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/01\/spolecne-investice_04-B.png\" alt=\"\" class=\"wp-image-10912\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/01\/spolecne-investice_04-B.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/01\/spolecne-investice_04-B-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/01\/spolecne-investice_04-B-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj blog <a href=\"https:\/\/www.fingo.sk\/blog\/10-najcastejsich-mytov-o-investovani-penazi\/\">10 naj\u010dastej\u0161\u00edch m\u00fdtov o investovan\u00ed<\/a>.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Spolo\u010dn\u00fd \u00fa\u010det nemus\u00ed sedie\u0165 ka\u017ed\u00e9mu<\/h2>\n\n\n\n<p>Ot\u00e1zka spolo\u010dn\u00e9ho bankov\u00e9ho \u00fa\u010dtu je \u010dast\u00e1 najm\u00e4 u p\u00e1rov, ktor\u00e9 spolu za\u010d\u00ednaj\u00fa b\u00fdva\u0165. Hoci m\u00f4\u017ee prinies\u0165 ni\u017e\u0161ie poplatky a preh\u013eadnej\u0161ie sledovanie spolo\u010dn\u00fdch v\u00fddavkov, nemus\u00ed vyhovova\u0165 ka\u017ed\u00e9mu.<\/p>\n\n\n\n<p>Mnoh\u00e9 p\u00e1ry uprednost\u0148uj\u00fa model, ke\u010f spolo\u010dn\u00fd \u00fa\u010det sl\u00fa\u017ei len na n\u00e1jom, energie a potraviny. Vlastn\u00e9 \u00fa\u010dty si nech\u00e1vaj\u00fa na osobn\u00e9 potreby. Zo spolo\u010dn\u00e9ho \u00fa\u010dtu m\u00f4\u017eu odch\u00e1dza\u0165 aj pravideln\u00e9 platby na invest\u00edcie, poistenie \u010di \u010fal\u0161ie spolo\u010dn\u00e9 ciele, napr\u00edklad cestovanie alebo sporenie na v\u00e4\u010d\u0161ie projekty. K\u013e\u00fa\u010dov\u00e9 je nastavi\u0165 si syst\u00e9m, ktor\u00fd vyhovuje v\u00e1m obom, podporuje transparentnos\u0165 a zni\u017euje riziko zbyto\u010dn\u00fdch konfliktov.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Kto z\u00edska peniaze pri neo\u010dak\u00e1vanej udalosti?<\/h2>\n\n\n\n<p>Pri \u017eivotnom poisten\u00ed, druhom alebo tre\u0165om pilieri si pravidelne skontrolujte opr\u00e1vnen\u00e9 osoby. Pr\u00e1ve toto nastavenie rozhoduje o tom, kto z\u00edska prostriedky pri neo\u010dak\u00e1vanej udalosti, napr\u00edklad pri \u00famrt\u00ed.<\/p>\n\n\n\n<p>Opr\u00e1vnenou osobou m\u00f4\u017ee by\u0165 man\u017eel, partner, rodi\u010dia, deti \u010di in\u00ed bl\u00edzki. D\u00f4le\u017eit\u00e9 je, aby nastavenie zodpovedalo va\u0161ej aktu\u00e1lnej \u017eivotnej situ\u00e1cii. Vyhnete sa t\u00fdm zbyto\u010dn\u00fdm komplik\u00e1ci\u00e1m a zabezpe\u010d\u00edte, \u017ee financie skon\u010dia presne tam, kde maj\u00fa.<\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">10 r\u00e1d o financi\u00e1ch vo vz\u0165ahu<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">1. Dohodnite si finan\u010dn\u00e9 rande<\/h3>\n\n\n\n<p>Aspo\u0148 raz za p\u00e1r mesiacov si vyhra\u010fte \u010das len na rozhovor o peniazoch. Ide\u00e1lne v pokojnej atmosf\u00e9re, nie medzi dverami.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">2. Bu\u010fte \u00faprimn\u00ed o pr\u00edjmoch, dlhoch a&nbsp;z\u00e1v\u00e4zkoch<\/h3>\n\n\n\n<p>Povedzte si otvorene, ko\u013eko zar\u00e1bate, ak\u00e9 m\u00e1te z\u00e1v\u00e4zky a ak\u00e9 ciele sledujete spolu aj osobitne.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">3. F\u00e9rovo si rozde\u013ete spolo\u010dn\u00e9 v\u00fddavky<\/h3>\n\n\n\n<p>Nemus\u00ed to by\u0165 presne na polovicu. D\u00f4le\u017eit\u00e1 je spravodlivos\u0165 vzh\u013eadom na pr\u00edjmy oboch partnerov.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">4. Stanovte si spolo\u010dn\u00e9 ciele a myslite aj na rezervu<\/h3>\n\n\n\n<p>\u010ci u\u017e ide o b\u00fdvanie, dovolenku alebo ne\u010dakan\u00e9 v\u00fddavky, spolo\u010dn\u00e9 pl\u00e1novanie v\u00e1m u\u013eah\u010d\u00ed \u017eivot.  Odpor\u00fa\u010dan\u00e1 rezerva je najmenej 3, ide\u00e1lne 6 mesa\u010dn\u00fdch spolo\u010dn\u00fdch v\u00fddavkov.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">5. Re\u0161pektujte rozdielny pr\u00edstup k peniazom a h\u013eadajte kompromisy<\/h3>\n\n\n\n<p>Ak jeden m\u00ed\u0148a viac a druh\u00fd \u0161etr\u00ed, k\u013e\u00fa\u010dov\u00e1 je komunik\u00e1cia a h\u013eadanie dohody, ktor\u00fa budete obaja re\u0161pektova\u0165. <\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">6. Dohodnite si pravidl\u00e1 pre v\u00e4\u010d\u0161ie v\u00fddavky<\/h3>\n\n\n\n<p>Stanovte si, od akej sumy budete o v\u00fddavkoch rozhodova\u0165 spolo\u010dne.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">7. Otvorte aj hypotetick\u00e9 scen\u00e1re<\/h3>\n\n\n\n<p>Rozchod, v\u00fdpadok pr\u00edjmu \u010di v\u00e1\u017ena choroba nie s\u00fa pr\u00edjemn\u00e9 t\u00e9my. No v\u010dasn\u00e1 dohoda je v\u017edy lep\u0161ia, ne\u017e konflikt v situ\u00e1cii, kedy ho budete potrebova\u0165 zo v\u0161etk\u00e9ho najmenej.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">8. Nepodce\u0148ujte poistenie<\/h3>\n\n\n\n<p>Spr\u00e1vne nastaven\u00e9 \u017eivotn\u00e9 poistenie, najm\u00e4 pri hypot\u00e9ke alebo pri de\u0165och, je prejavom zodpovednosti vo\u010di partnerovi a rodine.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">9. Nastavte si syst\u00e9m \u00fa\u010dtov, ktor\u00fd vyhovuje obom<\/h3>\n\n\n\n<p>M\u00f4\u017eete ma\u0165 spolo\u010dn\u00fd \u00fa\u010det, samostatn\u00e9 \u00fa\u010dty alebo kombin\u00e1ciu oboch. D\u00f4le\u017eit\u00e9 je, aby bol syst\u00e9m  preh\u013eadn\u00fd. Pom\u00f4\u017ee v\u00e1m to vyhn\u00fa\u0165 sa zbyto\u010dn\u00fdm probl\u00e9mom. <\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">10. Skontrolujte opr\u00e1vnen\u00e9 osoby<\/h3>\n\n\n\n<p>Pri \u017eivotnom poisten\u00ed a d\u00f4chodkov\u00fdch pilieroch si overte, \u017ee opr\u00e1vnen\u00e9 osoby zodpovedaj\u00fa va\u0161ej aktu\u00e1lnej situ\u00e1cii.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_pension\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=pension\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Mnoh\u00e9 p\u00e1ry si ani po rokoch spolu\u017eitia nevedia sadn\u00fa\u0165 a \u00faprimne sa porozpr\u00e1va\u0165 o peniazoch. Pritom pr\u00e1ve finan\u010dn\u00e9 probl\u00e9my patria medzi naj\u010dastej\u0161ie sp\u00fa\u0161\u0165a\u010de man\u017eelsk\u00fdch kr\u00edz a rozvodov. Ako teda hovori\u0165 o peniazoch tak, aby to vz\u0165ah posilnilo a nie oslabilo? Za\u010dnite rozpo\u010dtom Ak spolu b\u00fdvate alebo pl\u00e1nujete spolo\u010dn\u00fa bud\u00facnos\u0165, potrebujete ma\u0165 jasno v pr\u00edjmoch aj v\u00fddavkoch oboch str\u00e1n. Nie, nejde o kontrolu. Ide o d\u00f4veru a spolo\u010dn\u00e9 pl\u00e1novanie. Ak uva\u017eujete o hypot\u00e9ke alebo o inom spolo\u010dnom cieli, pom\u00f4\u017ee v\u00e1m jednoduch\u00fd preh\u013ead mesa\u010dn\u00e9ho rozpo\u010dtu. Pozrite sa spolu na n\u00e1klady na b\u00fdvanie, energie, potraviny a \u010fal\u0161ie pravideln\u00e9 v\u00fddavky. Ke\u010f pozn\u00e1te \u010d\u00edsla, \u013eah\u0161ie urob\u00edte zodpovedn\u00e9 a dlhodobo udr\u017eate\u013en\u00e9 rozhodnutia. Rozdielne n\u00e1vyky s\u00fa norm\u00e1lne Jeden m\u00ed\u0148a viac, druh\u00fd si systematicky spor\u00ed. Aj to je realita. O to d\u00f4le\u017eitej\u0161ie je, aby sa z pe\u0148az\u00ed nestala t\u00e9ma, ktor\u00fa otvor\u00edte a\u017e pri h\u00e1dke alebo v kr\u00edze. Sta\u010d\u00ed orienta\u010dn\u00fd preh\u013ead o invest\u00edci\u00e1ch a dlhoch oboch partnerov. Nie je to t\u00e9ma na prv\u00e9 rande, no po rokoch spolo\u010dn\u00e9ho \u017eivota je otvoren\u00e1 a \u00faprimn\u00e1 komunik\u00e1cia o financi\u00e1ch ve\u013emi prospe\u0161n\u00e1. Pre\u010d\u00edtajte si aj blog Ako si uprata\u0165 rodinn\u00fd rozpo\u010det a udr\u017ea\u0165 v\u00fddavky na uzde? Nezosob\u00e1\u0161en\u00ed partneri a spolo\u010dn\u00e9 z\u00e1v\u00e4zky Prib\u00fada p\u00e1rov, ktor\u00e9 \u017eij\u00fa bez sob\u00e1\u0161a, no maj\u00fa spolo\u010dn\u00e9 z\u00e1v\u00e4zky, naj\u010dastej\u0161ie hypot\u00e9ku [&hellip;]<\/p>\n","protected":false},"author":57,"featured_media":10915,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[304,295],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financie vo vz\u0165ahu: Pre\u010do je d\u00f4le\u017eit\u00e9 hovori\u0165 o peniazoch otvorene - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Financie s\u00fa t\u00e9ma, ktor\u00e1 dok\u00e1\u017ee sp\u00f4sobi\u0165 v partnersk\u00fdch vz\u0165ahoch v\u00e1\u017ene konflikty. 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