{"id":2345,"date":"2020-05-28T11:02:32","date_gmt":"2020-05-28T09:02:32","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2345"},"modified":"2020-05-28T11:20:03","modified_gmt":"2020-05-28T09:20:03","slug":"ako-si-vytvorit-financnu-rezervu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/","title":{"rendered":"Ako si vytvori\u0165 rezervu? Pand\u00e9mia pripomenula, ak\u00e1 je d\u00f4le\u017eit\u00e1"},"content":{"rendered":"<p><b>Pand\u00e9mia op\u00e4\u0165 potvrdila, \u017ee mnoh\u00ed Slov\u00e1ci nemaj\u00fa vytvoren\u00e9 tzv. finan\u010dn\u00e9 vank\u00fa\u0161e. Pr\u00e1ve tie by im pomohli v ne\u010dakan\u00fdch situ\u00e1ci\u00e1ch, ak\u00e9 sp\u00f4sobil koronav\u00edrus tis\u00edckam \u013eud\u00ed, ktor\u00ed pri\u0161li o pr\u00e1cu alebo sa ich pr\u00edjem kv\u00f4li O\u010cR \u010di PN na nieko\u013eko mesiacov zn\u00ed\u017eil. Viete, na \u010do sl\u00fa\u017ei <\/b><a href=\"https:\/\/www.fingo.sk\/blog\/5-zakladnych-pravidiel-ako-ochranite-svoje-peniaze\/\"><b>finan\u010dn\u00e1 rezerva <\/b><\/a><b>a ako si ju m\u00f4\u017eete vytvori\u0165?\u00a0\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Predstavte si, \u017ee nieko\u013eko rokov bez probl\u00e9mov spl\u00e1cate hypot\u00e9ku a zrazu ju nem\u00e1te z \u010doho zaplati\u0165. Keby ste <\/span><b>siahli po peniazoch z rezervy,<\/b><span style=\"font-weight: 400;\"> bez v\u00e4\u010d\u0161\u00edch starost\u00ed by ste preklenuli naj\u0165a\u017e\u0161ie obdobie a\u017e nieko\u013eko mesiacov. Toto je ide\u00e1lny scen\u00e1r, ale namiesto neho tis\u00edcky Slov\u00e1kov kv\u00f4li pand\u00e9mii museli po\u017eiada\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/odlozenie-splatok-uveru-nie-je-bez-rizika\/\"><span style=\"font-weight: 400;\">o odklad spl\u00e1tok<\/span><\/a><span style=\"font-weight: 400;\">, ktor\u00fd ich <\/span><b>\u00faver zbyto\u010dne predra\u017e\u00ed <\/b><span style=\"font-weight: 400;\">a navy\u0161e je spojen\u00fd s viacer\u00fdmi rizikami pri bud\u00facom \u00faverovan\u00ed.<\/span><\/p>\n<p><b>Z pand\u00e9mie sa m\u00f4\u017eeme pou\u010di\u0165<\/b><span style=\"font-weight: 400;\">, a to aj v oblasti rodinn\u00fdch financi\u00ed. Aby ste podobn\u00e9 neo\u010dak\u00e1van\u00e9 situ\u00e1cie v bud\u00facnosti zvl\u00e1dli \u201cbezbolestne\u201d a vo v\u00e4\u010d\u0161ej rodinnej pohode, vytvorte si <\/span><b>finan\u010dn\u00fa rezervu.<\/b><span style=\"font-weight: 400;\">\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>\u010co je to finan\u010dn\u00e1 rezerva\u00a0 \u00a0 <\/b><\/span><b>\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Rezerva predstavuje <\/span><b>vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky<\/b><span style=\"font-weight: 400;\">, ktor\u00e9 v\u00e1m pom\u00f4\u017eu zvl\u00e1dnu\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/kde-sa-da-v-zlych-casoch-usetrit\/\">neo\u010dak\u00e1van\u00e9 udalosti<\/a> ako je porucha spotrebi\u010da, oprava auta, v\u00fdpadok pr\u00edjmu, alebo napr\u00edklad aj choroba. Mali by ste ich ma\u0165 ulo\u017een\u00e9 bokom tak, <\/span><b>aby ste ich mali ihne\u010f k dispoz\u00edcii <\/b><span style=\"font-weight: 400;\">a vedeli sa k nim r\u00fdchlo dosta\u0165, bez zbyto\u010dn\u00fdch poplatkov alebo ob\u00e1v, \u010di je pr\u00e1ve teraz ten spr\u00e1vny \u010das.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dalo by sa to prirovna\u0165 aj <\/span><b>k rezerve v aute.<\/b><span style=\"font-weight: 400;\"> Ke\u010f naraz\u00edte na hrbol na ceste a dostanete defekt, pr\u00e1ve rezerva v\u00e1m pom\u00f4\u017ee pokra\u010dova\u0165 v ceste bez v\u00e4\u010d\u0161\u00edch probl\u00e9mov.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rezerva v\u00e1m m\u00e1 pom\u00f4c\u0165, aby ste<\/span><b> nesiahali po \u00faverov\u00fdch produktoch alebo <a href=\"https:\/\/www.fingo.sk\/blog\/7-predvianocnych-uverov-ktore-mozu-byt-zradne\/\">n\u00e1kupoch na spl\u00e1tky<\/a><\/b><span style=\"font-weight: 400;\"> v\u017edy ke\u010f sa stane nie\u010do, na \u010do zrazu potrebujete peniaze.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Aj s minim\u00e1lnymi poplatkami na \u00favere toti\u017e v\u017edy preplat\u00edte viac ako ke\u010f si <\/span><b>postupne v \u010dase odklad\u00e1te \u010das\u0165 pr\u00edjmu bokom.<\/b><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Rezerva m\u00e1 by\u0165 vo v\u00fd\u0161ke aspo\u0148 6 mesa\u010dn\u00fdch v\u00fddavkov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Vo v\u0161eobecnosti sa odpor\u00fa\u010da ma\u0165 vytvoren\u00fa rezervu vo v\u00fd\u0161ke najmenej 6 mesa\u010dn\u00fdch pr\u00edjmov. Ale e\u0161te lep\u0161ie je ma\u0165 odlo\u017een\u00fa sumu <\/span><b>vo v\u00fd\u0161ke 6-n\u00e1sobku mesa\u010dn\u00fdch v\u00fddavkov.<\/b><span style=\"font-weight: 400;\"> S\u00fa toti\u017e aj dom\u00e1cnosti, ktor\u00e9 maj\u00fa ove\u013ea vy\u0161\u0161ie v\u00fddavky ako s\u00fa ich pr\u00edjmy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na druhej strane s\u00fa aj dom\u00e1cnosti, ktor\u00fdch v\u00fddavky predstavuj\u00fa iba \u010das\u0165 pr\u00edjmu. V ka\u017edom pr\u00edpade, rezerva by v\u00e1m mala vysta\u010di\u0165 na pokrytie v\u00fddavkov, ak by v\u00e1s zasiahla strata pr\u00edjmu a\u017e na pol roka.\u00a0<\/span><\/p>\n<h2 style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-1245\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/07\/shutterstock_1055848868.jpg\" alt=\"vo\u013en\u00e9 peniaze\" width=\"500\" height=\"334\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/07\/shutterstock_1055848868.jpg 1000w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/07\/shutterstock_1055848868-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2019\/07\/shutterstock_1055848868-768x512.jpg 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/h2>\n<h2><span style=\"color: #ec8124;\"><b>Na za\u010diatku odlo\u017ete maximum, potom 10 % z ka\u017edej v\u00fdplaty<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd z n\u00e1s by si mal odklada\u0165 na rezervu<\/span><b> 10% z ka\u017edej jednej v\u00fdplaty, z ka\u017ed\u00e9ho pr\u00edjmu. <\/b><span style=\"font-weight: 400;\">Teda napr\u00edklad aj z mimoriadnych odmien a podobne. Na za\u010diatku si v\u0161ak odlo\u017ete v\u0161etko, \u010do v\u00e1m dovo\u013euje v\u00e1\u0161 dom\u00e1ci rozpo\u010det. Pre\u010do?\u00a0\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak zar\u00e1bate 1000 \u20ac mesa\u010dne, bude v\u00e1m trva\u0165 a\u017e 60 mesiacov k\u00fdm dosiahne odpor\u00fa\u010dan\u00fa v\u00fd\u0161ku rezervy 6000 \u20ac. Ke\u010f\u017ee 5 rokov je pr\u00edli\u0161 dlh\u00e1 doba a je viac ne\u017e ist\u00e9, \u017ee u\u017e po\u010das tohto obdobie bude potrebn\u00e9 na rezervu siahnu\u0165, je vhodn\u00e9 vytvori\u0165 si dostato\u010dn\u00fd obnos pe\u0148az\u00ed \u010d\u00edm sk\u00f4r.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">preto si na za\u010diatok odlo\u017ete \u010do najv\u00e4\u010d\u0161iu sumu, ak\u00fa m\u00f4\u017eete\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">n\u00e1sledne sta\u010d\u00ed odklada\u0165 bokom spom\u00ednan\u00fdch 10 % z pr\u00edjmu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">udr\u017e\u00edte si tak hodnotu rezervy na jednej \u00farovni\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">O udr\u017ean\u00ed hodnoty rezervy hovor\u00edme preto, lebo ka\u017ed\u00fa chv\u00ed\u013eu sa<\/span><b> m\u00f4\u017ee vyskytn\u00fa\u0165 situ\u00e1cia, s ktorou ste vopred nepo\u010d\u00edtali <\/b><span style=\"font-weight: 400;\">a kedy budete potrebova\u0165 min\u00fa\u0165 peniaze. \u010ci sa v\u00e1m pokaz\u00ed pr\u00e1\u010dka, auto, alebo sa v\u00e1m stane \u00faraz, ktor\u00fd v\u00e1m nielen zn\u00ed\u017ei pr\u00edjmy, ale e\u0161te budete musie\u0165 hradi\u0165 aj lie\u010debn\u00e9 n\u00e1klady. Podobn\u00fdch situ\u00e1ci\u00ed m\u00f4\u017ee nasta\u0165 ve\u013ea.<\/span><\/p>\n<blockquote><p><b>TIP:<\/b><span style=\"font-weight: 400;\"> V pr\u00edpade ne\u010dakan\u00e9ho \u00farazu \u010di v\u00e1\u017enej choroby najlep\u0161ie zabezpe\u010d\u00edte seba aj svoju rodinu <\/span><b>kvalitn\u00fdm \u017eivotn\u00fdm poisten\u00edm<\/b><span style=\"font-weight: 400;\">. Ak ho e\u0161te nem\u00e1te uzatvoren\u00e9, zbyto\u010dne ne\u010dakajte. Ak m\u00e1te star\u0161ie poistenie, <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/zivotne-poistenie-ma-kopirovat-kazdu-zivotnu-zmenu\/\"><span style=\"font-weight: 400;\">skontrolujte<\/span><\/a><span style=\"font-weight: 400;\"> jeho podmienky.<\/span><\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Nedar\u00ed sa v\u00e1m odklada\u0165? Pom\u00f4\u017ee rozpo\u010det a pl\u00e1novanie<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te dlhodobo probl\u00e9m vytvori\u0165 si ak\u00fako\u013evek rezervu, obvykle je probl\u00e9m v tom, \u017ee si v\u00f4bec <strong>nesledujete svoje v\u00fddavky<\/strong>. Ve\u013ea dom\u00e1cnost\u00ed nem\u00e1 predstavu ko\u013eko mesa\u010dne min\u00fa napr\u00edklad na energie, stravu a in\u00fa be\u017en\u00fa spotrebu, o ne\u010dakan\u00fdch udalostiach nehovoriac.<\/span><\/p>\n<h3><strong><span style=\"color: #ec8124;\">1. Sledujte svoj rozpo\u010det<\/span><\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Urobte si poriadok vo svojich pr\u00edjmoch a v\u00fddavkoch. Ist\u00e9 obdobie sledujte svoj rozpo\u010det a <strong>spisujte v\u0161etky v\u00fddavky<\/strong> v dom\u00e1cnosti. \u013dudia s\u00fa \u010dasto prekvapen\u00ed, ko\u013ek\u00fdm emo\u010dn\u00fdm n\u00e1kupom pod\u013eahn\u00fa ka\u017ed\u00fd mesiac. Na jednej strane je to pochopite\u013en\u00e9 ke\u010f sa na n\u00e1s z ka\u017edej strany valia reklamy, na druhej strane, ak si chce niekto vytvori\u0165 rezervy, mus\u00ed by\u0165 disciplinovan\u00fd.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-2105 aligncenter\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie.jpg\" alt=\"dom\u00e1ci rozpo\u010det\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie.jpg 1732w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie-1024x682.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/danove-priznanie-1080x720.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<h3><span style=\"color: #ec8124;\"><b>2. Pl\u00e1nujte\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u010eal\u0161ou mo\u017enos\u0165ou ako si zabezpe\u010di\u0165 rezervu je pl\u00e1novanie. Napr\u00edklad ak idete na <strong>n\u00e1kup potrav\u00edn s presn\u00fdch zoznamom<\/strong>, je v\u00e4\u010d\u0161ia pravdepodobnos\u0165, \u017ee nebudete bra\u0165 z reg\u00e1lov v\u0161etko rad radom, lebo v\u00e1m to \u201cpadne do oka\u201d. \u010casto nak\u00fapime aj to, \u010do nepotrebujeme a n\u00e1sledne potraviny vyhadzujeme, lebo ich nepou\u017eijeme alebo sa stihn\u00fa pokazi\u0165. Pl\u00e1novanie je cesta ako zn\u00ed\u017ei\u0165 svoju spotrebu a pritom sa vo ve\u013ekej miere neobmedzova\u0165. A neplat\u00ed to len pri potravin\u00e1ch.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Peniaze na rezervu maj\u00fa by\u0165 \u201cporuke\u201d, neinvestujte ich<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ak u\u017e rezervu m\u00e1te vytvoren\u00fa a l\u00e1ka v\u00e1s tieto prostriedky vlo\u017ei\u0165 niekam, kde by sa lep\u0161ie zhodnotili, tento krok si poriadne premyslite. Rezervy by ste mali ma\u0165 <\/span><b>k dispoz\u00edcii okam\u017eite ke\u010f ich potrebujete.<\/b><span style=\"font-weight: 400;\"> D\u00f4vodov je viacero.\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak nastane situ\u00e1cia, \u017ee budete potrebova\u0165 peniaze napr\u00edklad na opravu plynov\u00e9ho kotla, m\u00f4\u017ee sa sta\u0165, \u017ee pr\u00e1ve v tom obdob\u00ed nastane <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vyuzit-pokles-financnych-trhov\/\">pokles na trhu<\/a> a vy by ste vyberali va\u0161u<strong> invest\u00edciu z fondov so stratou.\u00a0<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">T\u00fdm p\u00e1dom <strong>sa priprav\u00edte nielen o peniaze<\/strong> zo samotnej invest\u00edcie, ale aj z poplatkov, ktor\u00e9 sa v\u00e4\u010d\u0161inou uhr\u00e1dzaj\u00fa na za\u010diatku pri zalo\u017een\u00ed zmluvy.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nehovoriac o tom, \u017ee k\u00fdm sa dostanete k invest\u00edcii z fondov, m\u00f4\u017ee to trva\u0165 <strong>a\u017e 14 dn\u00ed<\/strong> narozdiel od depozitn\u00e9ho konta alebo sporiaceho \u00fa\u010dtu, odkia\u013e si <strong>presuniete peniaze okam\u017eite<\/strong> a v\u00e4\u010d\u0161inou ich m\u00e1te k dispoz\u00edcii hne\u010f alebo na druh\u00fd de\u0148.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Ide\u00e1lne depozitn\u00e9 konto bez platobnej karty<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jedno z rie\u0161en\u00ed je ponecha\u0165 rezervu na be\u017enom \u00fa\u010dte. Vhodnej\u0161ie v\u0161ak je odklada\u0165 peniaze napr\u00edklad <\/span><b>na depozitn\u00e9 konto <\/b><span style=\"font-weight: 400;\">v niektorej<a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-teraz-investovat-vacsiu-sumu-ci-radsej-v-mensom\/\"> investi\u010dnej spolo\u010dnosti<\/a>, pr\u00edpadne na in\u00e9 <\/span><b>konto \u010di sporiaci \u00fa\u010det, ku ktor\u00e9mu nem\u00e1te platobn\u00fa kartu.\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Takto ulo\u017een\u00e9 prostriedky budete ma\u0165 kedyko\u013evek k dispoz\u00edcii, av\u0161ak s\u010dasti tak <\/span>budete<b> eliminova\u0165 pr\u00edpadn\u00e9 l\u00e1kav\u00e9 n\u00e1kupy.\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">U\u017e len t\u00fdm, \u017ee budete n\u00faten\u00fd presun\u00fa\u0165 peniaze z depozitn\u00e9ho konta na svoj be\u017en\u00fd \u00fa\u010det, si tento presun <strong>dobre rozmysl\u00edte a zv\u00e1\u017eite<\/strong>, \u010di dan\u00fa vec naozaj nevyhnutne potrebujete.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak v\u0161ak nastane situ\u00e1cia, \u017ee s\u00farne budete potrebova\u0165 peniaze na nie\u010do nevyhnutn\u00e9, st\u00e1le ich budete ma\u0165 dispoz\u00edcii a viete si ich<strong> vybra\u0165 bez nejak\u00fdch poplatkov a sankci\u00ed.<\/strong><\/span><\/li>\n<\/ul>\n<blockquote><p><b>TIP: <\/b><span style=\"font-weight: 400;\">Pri vytv\u00e1ran\u00ed finan\u010dnej rezervy je najd\u00f4le\u017eitej\u0161ie odklada\u0165 peniaze <strong>okam\u017eite po v\u00fdplate<\/strong>. Preto si nastavte trval\u00fd pr\u00edkaz z be\u017en\u00e9ho \u00fa\u010dtu na depozitn\u00e9 konto v ten ist\u00fd de\u0148, pr\u00edpadne na \u010fal\u0161\u00ed de\u0148 v mesiaci, ako v\u00e1m chod\u00ed v\u00fdplata.<\/span><\/p><\/blockquote>\n<h2><span style=\"color: #ec8124;\"><b>Ozvite sa n\u00e1m, porad\u00edme v\u00e1m bezplatne\u00a0\u00a0<\/b><\/span><\/h2>\n<p><b>Zanechajte n\u00e1m kontakt<\/b><span style=\"font-weight: 400;\"> a finan\u010dn\u00ed sprostredkovatelia z FinGO.sk v\u00e1m <a href=\"https:\/\/www.fingo.sk\/blog\/je-financny-sprostredkovatel-prinosom-financnych-transakcii\/\">bezplatne poradia<\/a> oh\u013eadom va\u0161ich rodinn\u00fdch financi\u00ed. Ak sa v\u00e1m st\u00e1le nedar\u00ed vytvori\u0165 finan\u010dn\u00fa rezervu, neviete <strong>ako a kde uspori\u0165<\/strong> alebo u\u017e rezervu m\u00e1te a chcete zvy\u0161n\u00e9 vo\u013en\u00e9 peniaze <strong>v\u00fdhodne investova\u0165<\/strong>, na trhu je ve\u013ea mo\u017enost\u00ed a porad\u00edme v\u00e1m, \u010do je pre v\u00e1s najv\u00fdhodnej\u0161ie.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Radi v\u00e1m pom\u00f4\u017eeme <strong>online<\/strong> cez telef\u00f3n na \u010d\u00edsle <\/span><span style=\"color: #ec8124;\"><b>0800 60 10 60,<\/b><\/span><span style=\"font-weight: 400;\">\u00a0cez internet na <\/span><a href=\"https:\/\/www.fingo.sk\/online\/\"><span style=\"color: #ec8124;\"><b>www.fingo.sk<\/b><\/span><\/a><span style=\"font-weight: 400;\">\u00a0alebo sa s nami m\u00f4\u017eete <strong>stretn\u00fa\u0165 osobne<\/strong>.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2345#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Pand\u00e9mia op\u00e4\u0165 potvrdila, \u017ee mnoh\u00ed Slov\u00e1ci nemaj\u00fa vytvoren\u00e9 tzv. finan\u010dn\u00e9 vank\u00fa\u0161e. Pr\u00e1ve tie by im pomohli v ne\u010dakan\u00fdch situ\u00e1ci\u00e1ch, ak\u00e9 sp\u00f4sobil koronav\u00edrus tis\u00edckam \u013eud\u00ed, ktor\u00ed pri\u0161li o pr\u00e1cu alebo sa ich pr\u00edjem kv\u00f4li O\u010cR \u010di PN na nieko\u013eko mesiacov zn\u00ed\u017eil. Viete, na \u010do sl\u00fa\u017ei finan\u010dn\u00e1 rezerva a ako si ju m\u00f4\u017eete vytvori\u0165?\u00a0\u00a0 Predstavte si, \u017ee nieko\u013eko rokov bez probl\u00e9mov spl\u00e1cate hypot\u00e9ku a zrazu ju nem\u00e1te z \u010doho zaplati\u0165. Keby ste siahli po peniazoch z rezervy, bez v\u00e4\u010d\u0161\u00edch starost\u00ed by ste preklenuli naj\u0165a\u017e\u0161ie obdobie a\u017e nieko\u013eko mesiacov. Toto je ide\u00e1lny scen\u00e1r, ale namiesto neho tis\u00edcky Slov\u00e1kov kv\u00f4li pand\u00e9mii museli po\u017eiada\u0165 o odklad spl\u00e1tok, ktor\u00fd ich \u00faver zbyto\u010dne predra\u017e\u00ed a navy\u0161e je spojen\u00fd s viacer\u00fdmi rizikami pri bud\u00facom \u00faverovan\u00ed. Z pand\u00e9mie sa m\u00f4\u017eeme pou\u010di\u0165, a to aj v oblasti rodinn\u00fdch financi\u00ed. Aby ste podobn\u00e9 neo\u010dak\u00e1van\u00e9 situ\u00e1cie v bud\u00facnosti zvl\u00e1dli \u201cbezbolestne\u201d a vo v\u00e4\u010d\u0161ej rodinnej pohode, vytvorte si finan\u010dn\u00fa rezervu.\u00a0\u00a0 \u010co je to finan\u010dn\u00e1 rezerva\u00a0 \u00a0 \u00a0 Rezerva predstavuje vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky, ktor\u00e9 v\u00e1m pom\u00f4\u017eu zvl\u00e1dnu\u0165 neo\u010dak\u00e1van\u00e9 udalosti ako je porucha spotrebi\u010da, oprava auta, v\u00fdpadok pr\u00edjmu, alebo napr\u00edklad aj choroba. Mali by ste ich ma\u0165 ulo\u017een\u00e9 bokom tak, aby ste ich mali ihne\u010f k dispoz\u00edcii a vedeli sa k nim r\u00fdchlo dosta\u0165, bez [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":2347,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,157],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako si vytvori\u0165 rezervu? Pand\u00e9mia pripomenula, ak\u00e1 je d\u00f4le\u017eit\u00e1 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Finan\u010dn\u00ed experti z FinGO.sk v\u00e1m bezplatne poradia aj oh\u013eadom va\u0161ich invest\u00edci\u00ed. 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Zavolajte n\u00edm na 0800 60 10 60.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-28T09:02:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-05-28T09:20:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/financna-rezerva.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1732\" \/>\n\t<meta property=\"og:image:height\" content=\"1154\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lucia Lupt\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lucia Lupt\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\"},\"author\":{\"name\":\"Lucia Lupt\u00e1kov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/dcd4954d1ce1275e6d20165c4855c516\"},\"headline\":\"Ako si vytvori\u0165 rezervu? 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Pand\u00e9mia pripomenula, ak\u00e1 je d\u00f4le\u017eit\u00e1"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/dcd4954d1ce1275e6d20165c4855c516","name":"Lucia Lupt\u00e1kov\u00e1","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/Lucia-Lupt\u00e1kov\u00e1-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/Lucia-Lupt\u00e1kov\u00e1-96x96.jpg","caption":"Lucia Lupt\u00e1kov\u00e1"},"description":"Vo financi\u00e1ch p\u00f4sob\u00ed od roku 2013. Za\u010d\u00ednala v stavebnej sporite\u013eni, kde z\u00edskala sk\u00fasenosti z oblasti vkladov aj \u00faverov, nesk\u00f4r pracovala ako finan\u010dn\u00e1 sprostredkovate\u013eka a tie\u017e ako produktov\u00e1 \u0161pecialistka pre oblas\u0165 investovania, d\u00f4chodku a \u017eivotn\u00e9ho poistenia. Vo FinGO.sk zast\u00e1va poz\u00edciu riadite\u013eky pre invest\u00edcie a zlato. Vo vo\u013enom \u010dase sa venuje z\u00e1hrade, umeleckej tvorbe a svojim dom\u00e1cim mil\u00e1\u010dikom. Nepohrdne ani dobrou knihou.","url":"https:\/\/www.fingo.sk\/blog\/author\/lucia-luptakova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2345"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=2345"}],"version-history":[{"count":10,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2345\/revisions"}],"predecessor-version":[{"id":2350,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/2345\/revisions\/2350"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/2347"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=2345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=2345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=2345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}