{"id":2649,"date":"2020-09-28T15:07:05","date_gmt":"2020-09-28T13:07:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2649"},"modified":"2020-09-28T15:21:42","modified_gmt":"2020-09-28T13:21:42","slug":"tretina-slovakov-nevie-celit-necakanym-financnym-vydavkom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/tretina-slovakov-nevie-celit-necakanym-financnym-vydavkom\/","title":{"rendered":"Tretina Slov\u00e1kov nevie \u010deli\u0165 ne\u010dakan\u00fdm v\u00fddavkom. Ako ste na tom vy?"},"content":{"rendered":"<p><b>Slov\u00e1ci ne\u0161etria pravidelne, preto ich \u010dastokr\u00e1t v\u00fddavky na opravu pr\u00e1\u010dky alebo auta vedia nepr\u00edjemne prekvapi\u0165. Pod\u013ea aktu\u00e1lnych \u00fadajov Eur\u00f3pskeho \u0161tatistick\u00e9ho \u00faradu Eurostat nevedelo za vla\u0148aj\u0161ok \u010deli\u0165 ne\u010dakan\u00fdm finan\u010dn\u00fdm v\u00fddavkom a\u017e 30 % \u013eud\u00ed. Od roku 2016 sa situ\u00e1cia mierne zlep\u0161ila, no aj koronakr\u00edza op\u00e4\u0165\u00a0 uk\u00e1zala, \u017ee \u013eudia nemaj\u00fa dostato\u010dne <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">vytvoren\u00e9 rezervy<\/a>. Ako ste na tom vy?\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Mnoh\u00ed Slov\u00e1ci pri\u0161li o pr\u00e1cu, v tom &#8222;lep\u0161om&#8220; pr\u00edpade sa im okres\u00e1val pr\u00edjem. Pr\u00e1ve v tomto obdob\u00ed \u013eudia siahaj\u00fa na rezervy. Hlavn\u00fdm argumentom ne\u0161etrenia je, \u017ee nie je z \u010doho. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u0160tatisticky <strong>a\u017e 35 percent Slov\u00e1kov \u017eije od v\u00fdplaty k v\u00fdplate<\/strong> a najhor\u0161ie pre nich je, ak pr\u00eddu o pr\u00e1cu alebo skon\u010dia na PN-ke, a musia pokry\u0165 vy\u0161\u0161ie v\u00fddavky na zdravotn\u00fa starostlivos\u0165.\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">V r\u00e1mci kraj\u00edn V4 sme na tom v pr\u00edpade neschopnosti \u010deli\u0165 ne\u010dakan\u00fdm finan\u010dn\u00fdm v\u00fddavkom druh\u00ed najhor\u0161\u00ed po Ma\u010farsku (33 %). V susednej \u010ceskej republike sa v takejto situ\u00e1cii ocit\u00e1 p\u00e4tina \u013eud\u00ed ro\u010dne.\u00a0 V Po\u013esku je to pribli\u017ene 29 % \u013eud\u00ed.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ohrozen\u00e9 mami\u010dky\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Najviac s\u00fa na Slovensku postihnut\u00e9 slobodn\u00e9 matky. Vlani \u017eilo od v\u00fdplaty k v\u00fdplate a\u017e 45 percent tak\u00fdchto dom\u00e1cnost\u00ed. V pr\u00edpade dom\u00e1cnost\u00ed o dvoch rodi\u010doch s dvoma de\u0165mi je to zhruba \u0161tvrtina. V r\u00e1mci celoeur\u00f3pskeho priemeru sa nach\u00e1dzame pribli\u017ene v strede.\u00a0<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Situ\u00e1cia je v\u0161ak u n\u00e1s hor\u0161ia t\u00fdm, \u017ee na\u0161u ekonomiku kr\u00edza v\u00fdrazne zasiahla a t\u00fdm p\u00e1dom aj pr\u00edjmy slovensk\u00fdch dom\u00e1cnost\u00ed, \u010do m\u00f4\u017ee uvrhn\u00fa\u0165 do neschopnosti \u010deli\u0165 ne\u010dakan\u00fdm finan\u010dn\u00fdm v\u00fddavkom op\u00e4\u0165 viac \u013eud\u00ed.\u00a0\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\"><strong>Na <a href=\"https:\/\/www.fingo.sk\/blog\/ako-financne-zvladnut-pandemiu-pomozeme-vam-online\/\">kr\u00edzov\u00e9 situ\u00e1cie <\/a>treba myslie\u0165 sk\u00f4r ako nastan\u00fa<\/strong>. Dlhodob\u00e1 rezerva sa vol\u00e1 preto dlhodob\u00e1, lebo sa tvor\u00ed viac rokov. To znamen\u00e1, \u017ee aj mal\u00e1 suma m\u00f4\u017ee \u010dasom nar\u00e1s\u0165 na slu\u0161n\u00fa rezervu.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> N\u00edzkopr\u00edjmov\u00fdm skupin\u00e1m \u013eud\u00ed sta\u010d\u00ed odklada\u0165 10 eur mesa\u010dne bokom. Vo v\u0161eobecnosti je odpor\u00fa\u010dan\u00e1 hranica minim\u00e1lne 10 % z celkov\u00e9ho pr\u00edjmu dom\u00e1cnosti.\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ako sa pripravi\u0165?\u00a0<\/b><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Odpor\u00fa\u010dame ma\u0165 finan\u010dn\u00fa rezervu vo v\u00fd\u0161ke minim\u00e1lne 6-tich mesa\u010dn\u00fdch v\u00fddavkov, ide\u00e1lna suma je 6 a\u017e 12 mesa\u010dn\u00fdch v\u00fddavkov.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad: <\/b><\/span><span style=\"font-weight: 400;\">Ak s\u00fa napr\u00edklad mesa\u010dn\u00e9 v\u00fddavky va\u0161ej dom\u00e1cnosti 1500 eur, v\u00fd\u0161ka finan\u010dnej rezervy by mala by\u0165 minim\u00e1lne 9000 eur.\u00a0\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po\u010das \u0161tandardn\u00e9ho obdobia je d\u00f4le\u017eit\u00e9 pravidelne odklada\u0165 peniaze a sna\u017ei\u0165 sa naspori\u0165 odpor\u00fa\u010dan\u00fa sumu v horizonte maxim\u00e1lne 5-tich rokov.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Ak si potrebujete zv\u00fd\u0161i\u0165 rezervu o 3000 eur, mali by ste si odklada\u0165 minim\u00e1lne 50 eur mesa\u010dne.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Najd\u00f4le\u017eitej\u0161ie je jedno pravidlo, ktor\u00e9 m\u00e1 na v\u00fdsledok najv\u00fdraznej\u0161\u00ed vplyv &#8211; nez\u00e1le\u017e\u00ed a\u017e tak na v\u00fd\u0161ke pr\u00edjmu ani na finan\u010dn\u00fdch mo\u017enostiach, ale najd\u00f4le\u017eitej\u0161ie je odlo\u017ei\u0165 si peniaze na rezervu ako \u00faplne prv\u00fa vec okam\u017eite po v\u00fdplate.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto je dobr\u00e9, aby ste si <strong>nastavili trval\u00fd pr\u00edkaz<\/strong> na finan\u010dn\u00fa rezervu na rovnak\u00fd de\u0148 v mesiaci, ako v\u00e1m chod\u00ed v\u00fdplata.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak nie je va\u0161a rezerva dostato\u010dn\u00e1, je najlep\u0161ie si vybavi\u0165 &#8222;z\u00e1lo\u017en\u00e9&#8220; zdroje, napr\u00edklad povolen\u00e9 pre\u010derpanie na \u00fa\u010dte, pr\u00edpadne kreditn\u00fa kartu. \u010casto s\u00fa<strong> bez ak\u00fdchko\u013evek poplatkov<\/strong>, pokia\u013e ich klient nevyu\u017eije.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak budete potrebova\u0165\u00a0 peniaze, povolen\u00e9 pre\u010derpanie \u010di kreditka v\u00e1m m\u00f4\u017eu na ist\u00fd \u010das pom\u00f4c\u0165 vykry\u0165 va\u0161e v\u00fddavky. Sl\u00fa\u017eia v\u0161ak sk\u00f4r<strong> na kr\u00e1tkodob\u00e9 preklenutie nedostatku pe\u0148az\u00ed<\/strong>, napr\u00edklad na 2 \u010di 3 mesiace, k\u00fdm sa v\u00e1\u0161 pr\u00edjem op\u00e4\u0165 vr\u00e1ti do norm\u00e1lu.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Najd\u00f4le\u017eitej\u0161ie je zabezpe\u010di\u0165 stabiln\u00e9 a v\u010dasn\u00e9 spl\u00e1canie \u00faverov, pr\u00edpadne okam\u017eite za\u010da\u0165 komunikova\u0165 s bankou, pokia\u013e v\u00e1m hroz\u00ed, \u017ee by v tomto smere mohlo d\u00f4js\u0165 k\u00a0probl\u00e9mom.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Pozor na spont\u00e1nne n\u00e1kupy<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ve\u013emi ve\u013ea \u013eud\u00ed podlieha impulz\u00edvnym n\u00e1kupom. Po\u010das karant\u00e9ny v marci tohto roka v\u00fdrazne st\u00fapol predaj cez internet. Koluj\u00fa aj vtipn\u00e9 obr\u00e1zky, ako si \u013eudia naklik\u00e1vaj\u00fa tovary, ktor\u00e9 re\u00e1lne nepotrebuj\u00fa, ale zatvoren\u00ed doma a z nudy nakupuj\u00fa ako keby mali neobmedzen\u00e9 financie. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Ak si to \u010dlovek m\u00f4\u017ee dovoli\u0165, nech si kupuje ko\u013eko sa mu r\u00e1\u010di. Av\u0161ak slovensk\u00e1 realita je odli\u0161n\u00e1. <strong>A \u00e1no, aj t\u00ed, ktor\u00ed by mali z \u010doho \u0161etri\u0165, tak jednoducho nerobia.\u00a0<\/strong><\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Pod\u013ea r\u00f4znych prieskumov trv\u00e1 vybudova\u0165 si ak\u00fdko\u013evek n\u00e1vyk v priemere 21 dn\u00ed. Niektor\u00e9 \u0161t\u00fadie uv\u00e1dzaj\u00fa, \u017ee <strong>v pr\u00edpade finan\u010dn\u00fdch n\u00e1vykov je to aj viac ako 66 dn\u00ed,<\/strong> \u010di\u017ee vy\u0161e dvoch mesiacov. Netreba preto zanecha\u0165 svoje odhodlanie \u0161etri\u0165 hne\u010f na za\u010diatku.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Finan\u010dn\u00fd makl\u00e9r pom\u00f4\u017ee bezplatne<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u010casto sa st\u00e1va, \u017ee <a href=\"https:\/\/www.fingo.sk\/blog\/zastarale-zmluvy\/\">pri kontrole v\u00fddavkov<\/a> sa objavia platby aj za polo\u017eky a slu\u017eby, ktor\u00e9 \u010dlovek v\u00f4bec nevyu\u017e\u00edva, \u010di u\u017e ide o s\u00fakromn\u00e9 v\u00fddavky ako napr. \u010dlenstvo vo fitness klube. M\u00f4\u017ee to by\u0165 aj drah\u0161\u00ed bal\u00edk be\u017en\u00e9ho \u00fa\u010dtu alebo cestovn\u00e9 poistenie, za ktor\u00e9 sa automaticky stiahne poplatok z \u00fa\u010dtu a \u010dlovek ani nevie, \u017ee tak\u00fd produkt v\u00f4bec m\u00e1.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Preto je ve\u013emi d\u00f4le\u017eit\u00fdm krokom aj prehodnotenie v\u00fdhodnosti finan\u010dn\u00fdch produktov, ako s\u00fa spotrebn\u00e9 \u00favery, hypot\u00e9ka alebo poistky. Zistite, \u010di rovnak\u00e9 podmienky nem\u00f4\u017eete\u00a0 z\u00edska\u0165 v inej banke alebo pois\u0165ovni <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoje-zmluvy-pod-kontrolou\/\">v\u00fdhodnej\u0161ie<\/a>. Zbavte sa nev\u00fdhodn\u00fdch poistiek a sporen\u00ed. <strong>Rozl\u00ed\u0161i\u0165 v\u00fdhodn\u00e9 a nev\u00fdhodn\u00e9 produkty v\u0161ak pre be\u017en\u00e9ho \u010dloveka nemus\u00ed by\u0165 v\u00f4bec jednoduch\u00e9 a s t\u00fdmto v\u00e1m pom\u00f4\u017ee sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e.<\/strong><\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Pora\u010fte sa oh\u013eadom svojich \u00faspor a investovania jednoducho z pohodlia svojho domova. Na\u0161i sk\u00fasen\u00ed investi\u010dn\u00ed \u0161pecialisti zo spolo\u010dnosti <a href=\"https:\/\/www.fingo.sk\/\"><span style=\"color: #ec8124;\"><strong>FinGO.sk<\/strong> <\/span><\/a>v\u00e1m s t\u00fdm radi bezplatne pom\u00f4\u017eu. Nechajte n\u00e1m kontakt a my sa v\u00e1m ozveme.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\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\/2649#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<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slov\u00e1ci ne\u0161etria pravidelne, preto ich \u010dastokr\u00e1t v\u00fddavky na opravu pr\u00e1\u010dky alebo auta vedia nepr\u00edjemne prekvapi\u0165. Pod\u013ea aktu\u00e1lnych \u00fadajov Eur\u00f3pskeho \u0161tatistick\u00e9ho \u00faradu Eurostat nevedelo za vla\u0148aj\u0161ok \u010deli\u0165 ne\u010dakan\u00fdm finan\u010dn\u00fdm v\u00fddavkom a\u017e 30 % \u013eud\u00ed. Od roku 2016 sa situ\u00e1cia mierne zlep\u0161ila, no aj koronakr\u00edza op\u00e4\u0165\u00a0 uk\u00e1zala, \u017ee \u013eudia nemaj\u00fa dostato\u010dne vytvoren\u00e9 rezervy. Ako ste na tom vy?\u00a0 Mnoh\u00ed Slov\u00e1ci pri\u0161li o pr\u00e1cu, v tom &#8222;lep\u0161om&#8220; pr\u00edpade sa im okres\u00e1val pr\u00edjem. Pr\u00e1ve v tomto obdob\u00ed \u013eudia siahaj\u00fa na rezervy. Hlavn\u00fdm argumentom ne\u0161etrenia je, \u017ee nie je z \u010doho. \u0160tatisticky a\u017e 35 percent Slov\u00e1kov \u017eije od v\u00fdplaty k v\u00fdplate a najhor\u0161ie pre nich je, ak pr\u00eddu o pr\u00e1cu alebo skon\u010dia na PN-ke, a musia pokry\u0165 vy\u0161\u0161ie v\u00fddavky na zdravotn\u00fa starostlivos\u0165.\u00a0 V r\u00e1mci kraj\u00edn V4 sme na tom v pr\u00edpade neschopnosti \u010deli\u0165 ne\u010dakan\u00fdm finan\u010dn\u00fdm v\u00fddavkom druh\u00ed najhor\u0161\u00ed po Ma\u010farsku (33 %). V susednej \u010ceskej republike sa v takejto situ\u00e1cii ocit\u00e1 p\u00e4tina \u013eud\u00ed ro\u010dne.\u00a0 V Po\u013esku je to pribli\u017ene 29 % \u013eud\u00ed.\u00a0\u00a0 Ohrozen\u00e9 mami\u010dky\u00a0 Najviac s\u00fa na Slovensku postihnut\u00e9 slobodn\u00e9 matky. Vlani \u017eilo od v\u00fdplaty k v\u00fdplate a\u017e 45 percent tak\u00fdchto dom\u00e1cnost\u00ed. V pr\u00edpade dom\u00e1cnost\u00ed o dvoch rodi\u010doch s dvoma de\u0165mi je to zhruba \u0161tvrtina. V r\u00e1mci celoeur\u00f3pskeho priemeru sa nach\u00e1dzame pribli\u017ene v strede.\u00a0 Situ\u00e1cia [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":2650,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[47,105,50],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tretina Slov\u00e1kov nevie \u010deli\u0165 ne\u010dakan\u00fdm v\u00fddavkom. Ako ste na tom vy? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Pre\u010do Slov\u00e1ci nevedia spori\u0165 a ako sa m\u00f4\u017eu pripravi\u0165 na ne\u010dakan\u00e9 finan\u010dn\u00e9 v\u00fddavky? 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