{"id":9685,"date":"2024-12-09T14:29:35","date_gmt":"2024-12-09T13:29:35","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=9685"},"modified":"2024-12-09T14:29:36","modified_gmt":"2024-12-09T13:29:36","slug":"10-rad-o-rodinnom-rozpocte-a-financnom-planovani","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/10-rad-o-rodinnom-rozpocte-a-financnom-planovani\/","title":{"rendered":"10 r\u00e1d o rodinnom rozpo\u010dte a finan\u010dnom pl\u00e1novan\u00ed"},"content":{"rendered":"\n<p><strong>Mesiace december a janu\u00e1r b\u00fdvaj\u00fa spojen\u00e9 s bilancovan\u00edm uplynul\u00e9ho roka a pl\u00e1novan\u00edm toho nasleduj\u00faceho. Aj vy hodnot\u00edte, ako sa v\u00e1m darilo, \u010do v\u00e1s \u010dak\u00e1 a \u010do chcete dosiahnu\u0165 v s\u00fakrom\u00ed, v pr\u00e1ci, ale aj po finan\u010dnej str\u00e1nke? Pripravili sme pre v\u00e1s nieko\u013eko u\u017eito\u010dn\u00fdch r\u00e1d o rodinnom rozpo\u010dte, ktor\u00e9 v\u00e1m v tomto obdob\u00ed m\u00f4\u017eu pom\u00f4c\u0165.<\/strong><\/p>\n\n\n\n<p>Infl\u00e1cia po\u017eieraj\u00faca \u00faspory a rast\u00face dane maj\u00fa dopad na financie firiem, ale aj be\u017en\u00fdch \u013eud\u00ed. Odborn\u00edci zd\u00f4raz\u0148uj\u00fa, \u017ee preh\u013eadn\u00fd rodinn\u00fd rozpo\u010det a kvalitn\u00fd finan\u010dn\u00fd pl\u00e1n \u013eu\u010fom pom\u00f4\u017eu prekona\u0165 aj finan\u010dne n\u00e1ro\u010dnej\u0161ie obdobia.<\/p>\n\n\n\n<ul>\n<li>Na prelome rokov alebo aj inokedy si urobte rev\u00edziu rodinn\u00e9ho rozpo\u010dtu.\u00a0<\/li>\n\n\n\n<li>Je d\u00f4le\u017eit\u00e9, aby ste mali preh\u013ead vo svojich pr\u00edjmoch a v\u00fddavkoch a aby ste ich mali pod kontrolou.&nbsp;<\/li>\n\n\n\n<li>Ak ste s financiami na hrane, odpor\u00fa\u010dame m\u00ed\u0148a\u0165 zmysluplne, sna\u017ei\u0165 sa redukova\u0165 v\u00fddavky, ktor\u00e9 nie s\u00fa nevyhnutn\u00e9, a u\u0161etren\u00e9 peniaze vhodne spori\u0165, resp. investova\u0165.<\/li>\n\n\n\n<li>Po\u017eiadajte <a href=\"https:\/\/www.fingo.sk\/kontakty\">sk\u00fasen\u00e9ho odborn\u00edka<\/a>, aby v\u00e1m vypracoval efekt\u00edvny finan\u010dn\u00fd pl\u00e1n. M\u00e1 mno\u017estvo v\u00fdhod a dok\u00e1\u017ee ovplyvni\u0165 bud\u00facnos\u0165 celej va\u0161ej rodiny.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Pre\u010d\u00edtajte si, ak\u00e9 v\u00fdhody prin\u00e1\u0161a finan\u010dn\u00fd pl\u00e1n a pre\u010do m\u00f4\u017ee by\u0165 vhodn\u00fd aj pre v\u00e1s.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">10 u\u017eito\u010dn\u00fdch r\u00e1d, ako si zostavi\u0165 rodinn\u00fd rozpo\u010det a efekt\u00edvny finan\u010dn\u00fd pl\u00e1n\u00a0<\/h2>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">1. Chcete sa ma\u0165 finan\u010dne lep\u0161ie?<\/h3>\n\n\n\n<p>Finan\u010dn\u00fd pl\u00e1n je najm\u00e4 o spr\u00e1vnom rozdelen\u00ed a efekt\u00edvnom zhodnoten\u00ed \u00faspor tak, aby ste si dok\u00e1zali splni\u0165 va\u0161e finan\u010dn\u00e9 ciele. Ak m\u00e1te efekt\u00edvne nastaven\u00fd finan\u010dn\u00fd pl\u00e1n a dr\u017e\u00edte sa ho, s ve\u013ekou pravdepodobnos\u0165ou sa m\u00f4\u017eete ma\u0165 v bud\u00facnosti finan\u010dne lep\u0161ie.&nbsp;<\/p>\n\n\n\n<p>Tak ako je to vo firm\u00e1ch, kde je samozrejmos\u0165ou pl\u00e1novanie budgetov, optim\u00e1lnych a negat\u00edvnych scen\u00e1rov a cie\u013eov v nieko\u013ekoro\u010dnom horizonte, podobne by ste mali ma\u0165 nastaven\u00fd aj osobn\u00fd finan\u010dn\u00fd pl\u00e1n. Na z\u00e1klade va\u0161ich cie\u013eov si nastav\u00edte cestu, po ktorej sa k nim dopracujete.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">2. Finan\u010dn\u00fd pl\u00e1n je vhodn\u00fd naozaj pre ka\u017ed\u00e9ho<\/h3>\n\n\n\n<p>Finan\u010dn\u00fd pl\u00e1n m\u00e1 svoje opodstatnenie pre ka\u017ed\u00e9ho, nielen pre \u013eud\u00ed s vy\u0161\u0161\u00edm pr\u00edjmom. E\u0161te d\u00f4le\u017eitej\u0161iu rolu zohr\u00e1va pr\u00e1ve v rodin\u00e1ch s ni\u017e\u0161\u00edmi pr\u00edjmami, ktor\u00e9 si mo\u017eno myslia, \u017ee nemaj\u00fa z \u010doho <a href=\"https:\/\/www.fingo.sk\/sporenie\">\u0161etri\u0165.<\/a>&nbsp;<\/p>\n\n\n\n<p>S\u00fa\u010das\u0165ou kvalitne spracovan\u00e9ho finan\u010dn\u00e9ho pl\u00e1nu je toti\u017e aj rozbor pr\u00edjmov a v\u00fddavkov. V\u00fdsledkom m\u00f4\u017ee by\u0165, \u017ee dok\u00e1\u017eete identifikova\u0165 v\u00fddavky, ktor\u00e9 viete zn\u00ed\u017ei\u0165 alebo mo\u017eno dokonca \u00faplne odstr\u00e1ni\u0165.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">3. Jasn\u00fd rodinn\u00fd rozpo\u010det je z\u00e1klad, bez ktor\u00e9ho sa nepohnete \u010falej<\/h3>\n\n\n\n<p>Bez pevn\u00e9ho a jasn\u00e9ho rodinn\u00e9ho rozpo\u010dtu, v ktorom budete ma\u0165 poriadok vo va\u0161ich pr\u00edjmoch a v\u00fddavkoch, sa v\u0161ak nepohnete \u010falej. Ak ho e\u0161te nem\u00e1te, je \u010das za\u010da\u0165 r\u00e1ta\u0165.&nbsp;<\/p>\n\n\n\n<p>Zoberte si pero a papier a najsk\u00f4r si zr\u00e1tajte va\u0161e pr\u00edjmy &#8211; ko\u013eko zar\u00e1ba man\u017eel a man\u017eelka, pr\u00edpadne priate\u013eka a podobne. Ak je \u017eena na materskej \u010di rodi\u010dovskej dovolenke, prir\u00e1tajte \u0161t\u00e1tnu d\u00e1vku. V pr\u00edpade, \u017ee ste nezamestnan\u00fd, pozna\u010dte si <a href=\"https:\/\/www.socpoist.sk\/socialne-poistenie\/poistenie-v-nezamestnanosti\/davka-v-nezamestnanosti\/dalsie-informacie\" target=\"_blank\" rel=\"noreferrer noopener\">v\u00fd\u0161ku podpory<\/a>. Prenaj\u00edmate byt? Zar\u00e1tajte aj sumu n\u00e1jmu.\u00a0<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">4. Ako si odsledova\u0165 mesa\u010dn\u00e9 v\u00fddavky<\/h3>\n\n\n\n<p>Nasleduje preh\u013ead v\u00fddavkov, pri\u010dom s\u00fa r\u00f4zne mo\u017enosti, ako si ho urobi\u0165. Dnes u\u017e v\u00e4\u010d\u0161ina \u013eud\u00ed plat\u00ed v\u0161etko platobnou kartou, \u010di\u017ee si z v\u00fdpisu \u00fa\u010dtu m\u00f4\u017eete odsledova\u0165, kam odch\u00e1dzali va\u0161e platby. Aj to, ko\u013eko ste platili v potravin\u00e1ch, v drog\u00e9rii \u010di za n\u00e1kupy oble\u010denia cez e-shop.&nbsp;<\/p>\n\n\n\n<p>Existuj\u00fa aj r\u00f4zne aplik\u00e1cie, kde si m\u00f4\u017eete zaznamen\u00e1va\u0165 v\u00fddavky a n\u00e1sledne ich preh\u013eadne kontrolova\u0165. Sta\u010d\u00ed, ak si v\u00fddavky odsledujete za jedno mesa\u010dn\u00e9 obdobie, ke\u010f\u017ee v\u00e4\u010d\u0161ina pravideln\u00fdch platieb a v\u00fddavkov sa z mesiaca na mesiac v\u00fdrazne nemen\u00ed.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">5. Pravidlo 50 % + 30 % + 20 %<\/h3>\n\n\n\n<p>Dobr\u00e9 je pozna\u0165 aj pravidlo 50 + 30 + 20. Najsk\u00f4r si ujasnite fixn\u00e9 n\u00e1klady ako je spl\u00e1tka hypot\u00e9ky, n\u00e1jomn\u00e9, tankovanie, strava a v\u0161etky n\u00e1klady na ka\u017edodenn\u00e9 pre\u017eitie. T\u00e1to kateg\u00f3ria by mala tvori\u0165 max. 50 % z celkov\u00e9ho pr\u00edjmu rodiny. Nasleduj\u00fa v\u00fddavky, ktor\u00e9 nevyhnutne nepotrebujete, ale plat\u00edte za ne &#8211; napr. nov\u00fd mobil, hra\u010dky, z\u00e1\u013euby. T\u00e1to \u010das\u0165 by nemala presiahnu\u0165 30 % z pr\u00edjmu.&nbsp;<\/p>\n\n\n\n<p>Posledn\u00e9 s\u00fa v\u00fddavky na sporenie na konkr\u00e9tny \u00fa\u010del, napr. na d\u00f4chodok, \u0161t\u00fadium pre deti, na dovolenku a aj v\u00fddavky na poistenie &#8211; \u017eivotn\u00e9 poistenie, <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie majetku,<\/a> PZP a podobne. T\u00e1to \u010das\u0165 by mala tvori\u0165 20 % z pr\u00edjmu.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/10-najcastejsich-mytov-o-investovani-penazi\/\"><strong><em>10 naj\u010dastej\u0161\u00edch m\u00fdtov o investovan\u00ed<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">6. Skontrolujte v\u00fdhodnos\u0165 svojich finan\u010dn\u00fdch produktov<\/h3>\n\n\n\n<p>\u010casto sa st\u00e1va, \u017ee pri kontrole v\u00fddavkov sa objavia platby aj za polo\u017eky a slu\u017eby, ktor\u00e9 \u010dlovek v\u00f4bec nevyu\u017e\u00edva. M\u00f4\u017ee \u00eds\u0165 o star\u00e9 \u010dlenstvo vo fitness klube, drah\u0161\u00ed bal\u00edk be\u017en\u00e9ho \u00fa\u010dtu, mobiln\u00e9ho pau\u0161\u00e1lu alebo cestovn\u00e9 poistenie, za ktor\u00e9 sa automaticky stiahne poplatok z \u00fa\u010dtu a \u010dlovek ani nevie, \u017ee ho m\u00e1.&nbsp;<\/p>\n\n\n\n<p>Preto je d\u00f4le\u017eit\u00e9 aj prehodnotenie v\u00fdhodnosti produktov ako s\u00fa spotrebn\u00e9 \u00favery, l\u00edzingy, PZP alebo poistenie b\u00fdvania. Zistite, \u010di v inej banke alebo pois\u0165ovni nem\u00f4\u017eete z\u00edska\u0165 lep\u0161ie podmienky. Sk\u00fasen\u00fd <a href=\"https:\/\/www.fingo.sk\/blog\/financny-sprostredkovatel-vam-usetri-cas-aj-peniaze-ako-to-vlastne-funguje\/\">finan\u010dn\u00fd sprostredkovate\u013e <\/a>v\u00e1m r\u00f4zne mo\u017enosti na trhu porovn\u00e1 ve\u013emi r\u00fdchlo.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">7. Z\u00e1kladn\u00fd a komplexn\u00fd pl\u00e1n&nbsp;<\/h3>\n\n\n\n<p>Existuj\u00fa r\u00f4zne formy finan\u010dn\u00e9ho pl\u00e1nu. Hlavn\u00e9 rozdelenie je na z\u00e1kladn\u00fd a komplexn\u00fd. Z\u00e1kladn\u00fd finan\u010dn\u00fd pl\u00e1n len rozlo\u017e\u00ed prostriedky na tri \u010dasti &#8211; kr\u00e1tkodob\u00e9, strednodob\u00e9 a dlhodob\u00e9. Svoje \u00faspory si teda rozdel\u00edte na kr\u00e1tkodob\u00e9 s horizontom do 1 &#8211; 2 rokov napr. na dovolenku \u010di opravu auta, strednodob\u00e9 s horizontom do 3 a\u017e 7 rokov, keby ste potrebovali peniaze na rekon\u0161trukciu b\u00fdvania \u010di nov\u00e9 auto a do tretice dlhodob\u00e9 s horizontom 8 a viac rokov, napr. na d\u00f4chodok, \u0161t\u00fadium pre deti alebo splnenie in\u00e9ho cie\u013ea.&nbsp;<\/p>\n\n\n\n<p>Komplexn\u00fd finan\u010dn\u00fd pl\u00e1n navy\u0161e rie\u0161i aj ostatn\u00e9 oblasti ako je \u017eivotn\u00e9 poistenie, poistenie majetku, financovanie b\u00fdvania \u00faverom a podobne.&nbsp;<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/bude-vam-na-dochodku-stacit-penzia-vo-vyske-polovicneho-platu\/\"><strong><em>Bude v\u00e1m na d\u00f4chodku sta\u010di\u0165 penzia vo v\u00fd\u0161ke polovi\u010dn\u00e9ho platu?&nbsp;&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">8. Zamerajte sa na konkr\u00e9tne ciele&nbsp;<\/h3>\n\n\n\n<p>Ide\u00e1lne je, ak si s finan\u010dn\u00fdm odborn\u00edkom sadnete, porozpr\u00e1vate sa o va\u0161ich pl\u00e1noch a cie\u013eoch, ktor\u00fdmi m\u00f4\u017ee by\u0165 b\u00fdvanie, auto, deti \u010di d\u00f4chodok a finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m aj s oh\u013eadom na v\u00e1\u0161 aktu\u00e1lny pr\u00edjem nastav\u00ed finan\u010dn\u00fd pl\u00e1n s vhodn\u00fdmi rie\u0161eniami.&nbsp;<\/p>\n\n\n\n<p>\u010c\u00edm konkr\u00e9tnej\u0161ie budete vedie\u0165 ur\u010di\u0165 kedy a ak\u00fa sumu budete v bud\u00facnosti potrebova\u0165, t\u00fdm lep\u0161ie a efekt\u00edvnej\u0161ie sa k t\u00fdmto sum\u00e1m budete vedie\u0165 dopracova\u0165. Ak nem\u00e1te konkr\u00e9tnu predstavu, je vhodn\u00e9 sporenie rozdeli\u0165 na tretiny. Ak v\u00e1m napr\u00edklad z pr\u00edjmu ost\u00e1va 300 eur mesa\u010dne, tak si m\u00f4\u017eete investi\u010dn\u00e9 ciele rozdeli\u0165 po 100 eur.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campai\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">9. Je lep\u0161ie by\u0165 pripraven\u00fd ako prekvapen\u00fd&nbsp;<\/h3>\n\n\n\n<p>Finan\u010dn\u00fd pl\u00e1n sa dr\u017e\u00ed hesla \u201elep\u0161ie je by\u0165 pripraven\u00fd ako prekvapen\u00fd\u201d. Rie\u0161i z\u00e1le\u017eitosti v predstihu a podstatn\u00e9 je napl\u00e1nova\u0165 a skombinova\u0165 v\u0161etky finan\u010dn\u00e9 produkty pre va\u0161u lep\u0161iu bud\u00facnos\u0165. Nielen investi\u010dn\u00e9, ale aj \u00faverov\u00e9 a poistn\u00e9 tak, aby do seba zapadali a tvorili pevn\u00fd z\u00e1klad.&nbsp;<\/p>\n\n\n\n<p>Je to akoby ste sa chystali na viacd\u0148ov\u00fd v\u00fdlet. Pravdepodobne by ste si nezobrali iba jednu vec, ale viacero. Niektor\u00e9 na v\u00fdlete mo\u017eno v\u00f4bec nevyu\u017eijete, ale v pr\u00edpade, \u017ee nastan\u00fa nepriazniv\u00e9 okolnosti, m\u00f4\u017eu v\u00e1m zachr\u00e1ni\u0165 \u017eivot. Rovnako je to pri finan\u010dnom pl\u00e1novan\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\">10. Zmyslupln\u00e9 a cie\u013eavedom\u00e9 konanie<\/h3>\n\n\n\n<p>Finan\u010dn\u00fd pl\u00e1n je bezplatn\u00e1 slu\u017eba, za ktor\u00fa ni\u010d neplat\u00edte a pritom s \u0148ou v bud\u00facnosti u\u0161etr\u00edte tis\u00edcky eur aj v\u010faka tomu, \u017ee sa m\u00f4\u017eete vyhn\u00fa\u0165 zbyto\u010dn\u00fdm \u00faverom.&nbsp;Dobr\u00fd finan\u010dn\u00fd produkt vie \u010dloveku u\u0161etri\u0165 od 10 do 100 eur mesa\u010dne, ale dobr\u00fd finan\u010dn\u00fd pl\u00e1n vie u\u0161etri\u0165 100 a\u017e 1000 eur mesa\u010dne.&nbsp;<\/p>\n\n\n\n<p>Finan\u010dn\u00fd pl\u00e1n povy\u0161uje vyberanie v\u00fdhodn\u00fdch produktov \u201ena posledn\u00fa chv\u00ed\u013eu\u201d na zmyslupln\u00e9 a cie\u013eavedom\u00e9 konanie tak, aby ste \u010do najvhodnej\u0161ie naplnili va\u0161e potreby, ale pripravili sa aj na pr\u00edpadn\u00e9 hrozby. M\u00e1 z\u00e1sadn\u00fd vplyv na va\u0161e osobn\u00e9 financie, a teda aj na v\u00e1\u0161 re\u00e1lny \u017eivot.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Vyhnite sa \u010dast\u00fdm chyb\u00e1m<\/h2>\n\n\n\n<p>V oblasti osobn\u00fdch financi\u00ed Slov\u00e1ci \u010dasto opakuj\u00fa t\u00fa ist\u00fa chybu a rozhoduj\u00fa sa bez jasnej strat\u00e9gie, dostato\u010dnej pr\u00edpravy, jednoducho bez finan\u010dn\u00e9ho pl\u00e1nu.&nbsp;<\/p>\n\n\n\n<p>\u013dudia v\u00e4\u010d\u0161inou rie\u0161ia v\u00fdhodnos\u0165 finan\u010dn\u00fdch produktov ako tak\u00fdch, ale pokia\u013e to robia bez kontextu, tak v kone\u010dnom d\u00f4sledku m\u00f4\u017eu urobi\u0165 ve\u013ea zl\u00fdch rozhodnut\u00ed. A to aj napriek tomu, \u017ee si v danom momente zvolia najv\u00fdhodnej\u0161iu hypot\u00e9ku, najlep\u0161ie <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9 poistenie<\/a> alebo invest\u00edciu.<\/p>\n\n\n\n<p><\/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\">Finan\u010dn\u00fd pl\u00e1n nie je luxus<\/h2>\n\n\n\n<p>Myslite na to, \u017ee finan\u010dn\u00fd pl\u00e1n nie je luxus a skuto\u010dne pom\u00f4\u017ee aj n\u00edzkopr\u00edjmov\u00fdm dom\u00e1cnostiam. Chcete sa poradi\u0165 oh\u013eadom va\u0161ich rodinn\u00fdch financi\u00ed? Na\u0161ich profesion\u00e1lnych finan\u010dn\u00fdch makl\u00e9rov z FinGO.sk n\u00e1jdete vo v\u0161etk\u00fdch 79 okresoch na Slovensku.\u00a0<br>Zadarmo v\u00e1m priprav\u00edme finan\u010dn\u00fd pl\u00e1n a pom\u00f4\u017eeme aj s hypot\u00e9kou, poisten\u00edm \u010di vhodn\u00fdm investovan\u00edm. Zavolajte n\u00e1m na <strong>0800 60 10 60<\/strong> alebo nap\u00ed\u0161te na <a href=\"mailto:kontakt@fingo.sk\"><strong>kontakt@fingo.sk<\/strong><\/a> a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm odborn\u00edkom vo va\u0161om okol\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Mesiace december a janu\u00e1r b\u00fdvaj\u00fa spojen\u00e9 s bilancovan\u00edm uplynul\u00e9ho roka a pl\u00e1novan\u00edm toho nasleduj\u00faceho. Aj vy hodnot\u00edte, ako sa v\u00e1m darilo, \u010do v\u00e1s \u010dak\u00e1 a \u010do chcete dosiahnu\u0165 v s\u00fakrom\u00ed, v pr\u00e1ci, ale aj po finan\u010dnej str\u00e1nke? Pripravili sme pre v\u00e1s nieko\u013eko u\u017eito\u010dn\u00fdch r\u00e1d o rodinnom rozpo\u010dte, ktor\u00e9 v\u00e1m v tomto obdob\u00ed m\u00f4\u017eu pom\u00f4c\u0165. Infl\u00e1cia po\u017eieraj\u00faca \u00faspory a rast\u00face dane maj\u00fa dopad na financie firiem, ale aj be\u017en\u00fdch \u013eud\u00ed. Odborn\u00edci zd\u00f4raz\u0148uj\u00fa, \u017ee preh\u013eadn\u00fd rodinn\u00fd rozpo\u010det a kvalitn\u00fd finan\u010dn\u00fd pl\u00e1n \u013eu\u010fom pom\u00f4\u017eu prekona\u0165 aj finan\u010dne n\u00e1ro\u010dnej\u0161ie obdobia. Pre\u010d\u00edtajte si, ak\u00e9 v\u00fdhody prin\u00e1\u0161a finan\u010dn\u00fd pl\u00e1n a pre\u010do m\u00f4\u017ee by\u0165 vhodn\u00fd aj pre v\u00e1s.&nbsp; 10 u\u017eito\u010dn\u00fdch r\u00e1d, ako si zostavi\u0165 rodinn\u00fd rozpo\u010det a efekt\u00edvny finan\u010dn\u00fd pl\u00e1n\u00a0 1. Chcete sa ma\u0165 finan\u010dne lep\u0161ie? Finan\u010dn\u00fd pl\u00e1n je najm\u00e4 o spr\u00e1vnom rozdelen\u00ed a efekt\u00edvnom zhodnoten\u00ed \u00faspor tak, aby ste si dok\u00e1zali splni\u0165 va\u0161e finan\u010dn\u00e9 ciele. Ak m\u00e1te efekt\u00edvne nastaven\u00fd finan\u010dn\u00fd pl\u00e1n a dr\u017e\u00edte sa ho, s ve\u013ekou pravdepodobnos\u0165ou sa m\u00f4\u017eete ma\u0165 v bud\u00facnosti finan\u010dne lep\u0161ie.&nbsp; Tak ako je to vo firm\u00e1ch, kde je samozrejmos\u0165ou pl\u00e1novanie budgetov, optim\u00e1lnych a negat\u00edvnych scen\u00e1rov a cie\u013eov v nieko\u013ekoro\u010dnom horizonte, podobne by ste mali ma\u0165 nastaven\u00fd aj osobn\u00fd finan\u010dn\u00fd pl\u00e1n. Na z\u00e1klade va\u0161ich cie\u013eov si nastav\u00edte cestu, po ktorej sa k [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":9690,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73],"tags":[296,295,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 r\u00e1d o rodinnom rozpo\u010dte a finan\u010dnom pl\u00e1novan\u00ed - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Je d\u00f4le\u017eit\u00e9, aby ste mali preh\u013ead vo svojich pr\u00edjmoch a v\u00fddavkoch. 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