{"id":72815,"date":"2022-10-10T09:02:50","date_gmt":"2022-10-10T07:02:50","guid":{"rendered":"https:\/\/atena.sk\/blog\/?p=72815"},"modified":"2023-04-17T15:17:21","modified_gmt":"2023-04-17T13:17:21","slug":"ako-spravovat-svoje-financie-pocas-rekordnej-inflacie","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/ako-spravovat-svoje-financie-pocas-rekordnej-inflacie\/","title":{"rendered":"Ako spravova\u0165 svoje financie po\u010das rekordnej infl\u00e1cie?"},"content":{"rendered":"\n

Ceny takmer v\u0161etk\u00e9ho rast\u00fa. Infl\u00e1cia l\u00e1me jeden rekord za druh\u00fdm. Mo\u017eno budete ma\u0165 \u0161\u0165astie, \u017ee v\u00e1m zamestn\u00e1vate\u013e kv\u00f4li tomu zv\u00fd\u0161i plat alebo pr\u00e9mie, ale aj keby sa tak stalo, zv\u00fd\u0161enie platu v \u017eiadnom pr\u00edpade nebude \u00famern\u00e9 rastu cien a infl\u00e1cii.<\/p>\n\n\n\n

Rovnako ako v\u0161etci ostatn\u00ed m\u00e1te ur\u010dit\u00fa \u017eivotn\u00fa \u00farove\u0148 a pracujete na jej udr\u017ean\u00ed alebo zlep\u0161en\u00ed. Bohu\u017eia\u013e, teraz nie je najlep\u0161\u00ed \u010das na jej zlep\u0161enie a kv\u00f4li infl\u00e1cii nebude \u013eahk\u00e9 ju udr\u017ea\u0165. V\u010faka nieko\u013ek\u00fdm spr\u00e1vnym rozhodnutiam v\u0161ak m\u00f4\u017eete v\u0161etky tieto ekonomick\u00e9 v\u00fdkyvy zvl\u00e1dnu\u0165 v pohode. Tu je n\u00e1vod, \u010do mus\u00edte urobi\u0165:<\/p>\n\n\n\n

Finan\u010dn\u00e1 rezerva<\/h2>\n\n\n\n

Cesta k finan\u010dnej stabilite je dlh\u00e1 a neexistuje lep\u0161ie miesto, kde za\u010da\u0165, ako na za\u010diatku. Nez\u00e1le\u017e\u00ed na tom, \u010di zar\u00e1bate minim\u00e1lnu mzdu alebo mili\u00f3ny – finan\u010dn\u00e1 rezerva je nevyhnutnos\u0165ou! Odborn\u00edci odpor\u00fa\u010daj\u00fa ma\u0165 v\u017edy na\u0161etren\u00e9 tri a\u017e \u0161es\u0165 mesa\u010dn\u00fdch platov<\/strong>.<\/p>\n\n\n\n

Pri s\u00fa\u010dasnej infl\u00e1cii a rast\u00facich cen\u00e1ch energi\u00ed mnoho podnikov kon\u010d\u00ed svoju \u010dinnos\u0165. V pr\u00edpade, \u017ee patr\u00edte medzi ne\u0161\u0165astn\u00edkov, ktor\u00ed pr\u00eddu o pr\u00e1cu, je ove\u013ea lep\u0161ie ma\u0165 nejak\u00fd \u010das na n\u00e1jdenie dobr\u00e9ho pracovn\u00e9ho miesta namiesto toho, aby ste vhupli do prv\u00e9ho vo\u013en\u00e9ho miesta, ktor\u00e9 uvid\u00edte, len preto, \u017ee si nem\u00f4\u017eete dovoli\u0165 by\u0165 mesiac alebo dva bez pr\u00e1ce.<\/p>\n\n\n\n

Niektor\u00fdm z v\u00e1s sa to mo\u017eno nebude p\u00e1\u010di\u0165, ale to, \u017ee nezar\u00e1bate dos\u0165 na to, aby ste mali finan\u010dn\u00fa rezervu, nie je ospravedlnenie. Nez\u00e1le\u017e\u00ed na tom, ko\u013eko zar\u00e1bate – v\u017edy m\u00f4\u017eete n\u00e1js\u0165 sp\u00f4sob, ako si odlo\u017ei\u0165 p\u00e4\u0165 alebo desa\u0165 percent bokom. Tu je nieko\u013eko n\u00e1padov, ako na to.<\/p>\n\n\n\n

\u0160etrenie financi\u00ed na elektrine<\/h2>\n\n\n\n

Po prv\u00e9 nepou\u017e\u00edvajte ni\u010d, \u010do nepotrebujete. Nem\u00e1 zmysel necha\u0165 v noci zapnut\u00fd po\u010d\u00edta\u010d alebo rozsvieten\u00e9 svetl\u00e1, ke\u010f odch\u00e1dzate z miestnosti. Je to ako vyhadzova\u0165 peniaze z okna. K\u00fapte si LED \u017eiarovky. Klasick\u00e9 \u017eiarovky s\u00fa s\u00edce lacnej\u0161ie, ale mimoriadne neefekt\u00edvne. LED \u017eiarovka v\u00e1m vydr\u017e\u00ed svieti\u0165 a\u017e 25-kr\u00e1t <\/strong>dlh\u0161ie. Okrem toho pod\u013ea kvality spotrebuje o 75 a\u017e 90 %<\/strong> menej elektrickej energie. <\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Po\u010das rekordnej infl\u00e1cie nekupujte veci, ktor\u00e9 nepotrebujete<\/h2>\n\n\n\n

Ke\u010f\u017ee plat\u00edte viac za palivo, elektrinu a potraviny, niektor\u00e9 z va\u0161ich \u010fal\u0161\u00edch v\u00fddavkov musia klesn\u00fa\u0165. Predt\u00fdm, ako sa vyberiete na n\u00e1kupy, urobte si zoznam a rozde\u013ete ho na „potrebujem“ a „chcem“. Do polo\u017eky „potrebujem“ dajte v\u0161etky z\u00e1kladn\u00e9 veci, ktor\u00e9 kupujete pre pohodln\u00fd \u017eivot. Do polo\u017eky „chcem“ nap\u00ed\u0161te v\u00fddavky, ktor\u00e9 v\u00e1m zlep\u0161uj\u00fa \u017eivot, ale m\u00f4\u017eete sa bez nich zaob\u00eds\u0165. Teraz vystrihnite st\u013apec „chcem“ a vyho\u010fte ho do ko\u0161a. Je ove\u013ea lep\u0161ie vybera\u0165 si pri n\u00e1kupoch na z\u00e1klade logiky namiesto em\u00f3ci\u00ed.<\/p>\n\n\n\n

Ke\u010f budete ma\u0165 finan\u010dn\u00fa rezervu a uist\u00edte sa, \u017ee zar\u00e1bate viac, ako m\u00ed\u0148ate, m\u00f4\u017eete sa vr\u00e1ti\u0165 k \u010dasti n\u00e1kupn\u00e9ho zoznamu „chcem“ a odmeni\u0165 sa za dobre vykonan\u00fa pr\u00e1cu!<\/p>\n\n\n\n

Zar\u00e1bajte viac a pokryte rozdiel, ktor\u00fd sp\u00f4sobuje infl\u00e1cia<\/h2>\n\n\n\n

Ak ste typ \u010dloveka, ktor\u00fd nem\u00f4\u017ee \u017ei\u0165 bez polo\u017eiek na zozname „chcem“ a neust\u00e1le chcete zlep\u0161ova\u0165 svoju \u017eivotn\u00fa \u00farove\u0148, mus\u00edte za\u010da\u0165 viac zar\u00e1ba\u0165. Je d\u00f4le\u017eit\u00e9 presk\u00fama\u0165 trh a uisti\u0165 sa, \u017ee zar\u00e1bate plat, ktor\u00fd je adekv\u00e1tny pr\u00e1ci, ktor\u00fa vykon\u00e1vate.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Mo\u017eno nie sme odborn\u00edci na osobn\u00e9 financie, ale trhu pr\u00e1ce rozumieme ve\u013emi dobre. Dokazujeme to u\u017e 14 rokov<\/strong>. Ka\u017ed\u00fd mesiac pom\u00e1hame stovk\u00e1m \u013eud\u00ed n\u00e1js\u0165 lep\u0161iu pr\u00e1cu a v podstate im pom\u00e1hame ma\u0165 lep\u0161\u00ed \u017eivot. Ke\u010f sa v\u00e1m pokaz\u00ed auto, zavol\u00e1te mechanika. Ke\u010f ochoriete, idete k lek\u00e1rovi. Nemali by ste si necha\u0165 pom\u00f4c\u0165 od odborn\u00edka aj v pr\u00edpade jedn\u00e9ho z najd\u00f4le\u017eitej\u0161\u00edch aspektov v\u00e1\u0161ho \u017eivota – zamestnania? Pracujte s profesion\u00e1lmi, \u00faspech nie je n\u00e1hoda. <\/p>\n","protected":false},"excerpt":{"rendered":"

Nau\u010dte sa, ako nar\u00e1ba\u0165 s rozpo\u010dtom v \u010dase finan\u010dn\u00fdch v\u00fdkyvov. Bu\u010fte o krok vpred pred infl\u00e1ciou a pripravte sa na najhor\u0161ie a z\u00e1rove\u0148 pracujte na tom, aby bolo \u010do najlep\u0161ie.<\/p>\n","protected":false},"author":20,"featured_media":72816,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,55],"tags":[],"acf":{"facebookpost":"V\u017edy bolo d\u00f4le\u017eit\u00e9 by\u0165 finan\u010dne zodpovedn\u00fd, ? ale pri s\u00fa\u010dasn\u00fdch cen\u00e1ch a infl\u00e1cii je ka\u017ed\u00e9 va\u0161e finan\u010dn\u00e9 rozhodnutie k\u013e\u00fa\u010dov\u00e9. ? Pre\u010d\u00edtajte si, \u010do robi\u0165 a \u010do nie, ke\u010f ide o peniaze v obdob\u00ed finan\u010dn\u00fdch v\u00fdkyvov. ","popis_socialneho_obrazku":""},"yoast_head":"\nAko spravova\u0165 svoje financie po\u010das rekordnej infl\u00e1cie? - Atena blog<\/title>\n<meta name=\"description\" content=\"Infl\u00e1cia zasahuje podniky a \u013eud\u00ed. Nau\u010dte sa by\u0165 s financiami o krok vpred, aby ste vyrie\u0161ili probl\u00e9my s nimi, ktor\u00e9 sa v\u00e1m postavia do cesty.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/ako-spravovat-svoje-financie-pocas-rekordnej-inflacie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ako spravova\u0165 svoje financie po\u010das rekordnej infl\u00e1cie?\" \/>\n<meta property=\"og:description\" content=\"Infl\u00e1cia zasahuje podniky a \u013eud\u00ed. 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