{"id":1200,"date":"2023-02-02T14:36:41","date_gmt":"2023-02-02T13:36:41","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1200"},"modified":"2023-06-23T14:22:08","modified_gmt":"2023-06-23T13:22:08","slug":"jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci\/","title":{"rendered":"Jak na\u00a0rodinn\u00fd rozpo\u010det v ka\u017ed\u00e9 \u017eivotn\u00ed situaci"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Jako se b\u011bhem \u017eivota m\u011bn\u00ed na\u0161e rodinn\u00e1 a pracovn\u00ed situace, vyv\u00edj\u00ed se i na\u0161e finan\u010dn\u00ed pot\u0159eby. Jinak na pen\u00edze nahl\u00ed\u017e\u00ed student, kter\u00fd si vyd\u011bl\u00e1v\u00e1 na brig\u00e1d\u00e1ch, jinak zase rodi\u010d d\u00edt\u011bte. Inspirujte se, jak se starat o rodinn\u00fd rozpo\u010det podle toho, v jak\u00e9 \u017eivotn\u00ed situaci se pr\u00e1v\u011b nach\u00e1z\u00edte.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-mlad-lov-k-po-kole\">Mlad\u00fd \u010dlov\u011bk po \u0161kole<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-stavebn-a-d-chodov-spo-en\">Stavebn\u00ed a d\u016fchodov\u00e9 spo\u0159en\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-ochrana-p-jm\">Ochrana p\u0159\u00edjm\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-p-ehled-o-p-jmech-a-v-daj-ch\">P\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-lov-k-v-partnerstv\">\u010clov\u011bk v partnerstv\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-nejlep-as-na-dobr-dluh\">Nejlep\u0161\u00ed \u010das na \u201edobr\u00fd dluh\u201d<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-erstv-rodi\">\u010cerstv\u00fd rodi\u010d<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-aktualizace-poji-t-n\">Aktualizace poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-omezen-nepot-ebn-ch-v-daj\">Omezen\u00ed nepot\u0159ebn\u00fdch v\u00fddaj\u016f<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-dal-ivotn-etapy\">Dal\u0161\u00ed \u017eivotn\u00ed etapy<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-mlad-lov-k-po-kole\"><strong>Mlad\u00fd \u010dlov\u011bk po \u0161kole<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-stavebn-a-d-chodov-spo-en\"><strong>Stavebn\u00ed a d\u016fchodov\u00e9 spo\u0159en\u00ed<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e za\u010dnete vyd\u011bl\u00e1vat pen\u00edze v pr\u00e1ci na pln\u00fd \u00favazek, pravd\u011bpodobn\u011b p\u0159em\u00fd\u0161l\u00edte, jak s nimi nalo\u017eit. Ide\u00e1ln\u011b u\u017e te\u010f myslete na budoucnost a po\u0159i\u010fte si n\u011bkter\u00fd z produkt\u016f se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stavebn\u00ed spo\u0159en\u00ed<\/strong> \u2013 Pokud ho zat\u00edm nem\u00e1te od rodi\u010d\u016f, je nejvy\u0161\u0161\u00ed \u010das si ho zalo\u017eit. A\u017e budete p\u0159em\u00fd\u0161let o vlastn\u00edm bydlen\u00ed, bude se v\u00e1m ur\u010dit\u011b hodit. Z\u00e1rove\u0148 za\u010dn\u011bte uva\u017eovat i nad t\u00edm, jak by va\u0161e budouc\u00ed bydlen\u00ed m\u011blo vypadat.<\/li>\n\n\n\n<li><strong>Penzijn\u00ed spo\u0159en\u00ed<\/strong> \u2013 \u010c\u00edm d\u0159\u00edv za\u010dnete, t\u00edm ni\u017e\u0161\u00ed \u010d\u00e1stku m\u016f\u017eete d\u00e1vat stranou. St\u00e1t v\u00e1m nav\u00edc ka\u017ed\u00fd m\u011bs\u00edc p\u0159isp\u011bje 90\u2013230 K\u010d. Krom\u011b toho z\u00edsk\u00e1te prvn\u00ed zku\u0161enosti s investicemi.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ochrana-p-jm\"><strong>Ochrana p\u0159\u00edjm\u016f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zamyslete se nad t\u00edm, co by se stalo, kdyby v\u00e1m najednou vypadl pravideln\u00fd p\u0159\u00edjem. Kdybyste nap\u0159\u00edklad ze zdravotn\u00edch d\u016fvod\u016f nemohli pracovat. \u010c\u00e1ste\u010dn\u011b by v\u00e1m sice pomohl st\u00e1t a mo\u017en\u00e1 i \u010dlenov\u00e9 rodiny, ale nahradit cel\u00fd p\u0159\u00edjem by nedok\u00e1zali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u0159i\u010fte si proto <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 v\u00e1m v nejhor\u0161\u00edm pokryje 100 % p\u0159\u00edjmu. Dejte si ale pozor na jeho spr\u00e1vn\u00e9 nastaven\u00ed \u2013 ide\u00e1ln\u011b si nechte poradit od odborn\u00edka, kter\u00fd v\u00e1m s t\u00edm pom\u016f\u017ee.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\"><\/iframe>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background wp-block-paragraph\"><strong>TIP:<\/strong> <a href=\"https:\/\/www.fingo.cz\/blog\/investicni-nebo-rizikove-zivotni-pojisteni\/\">P\u0159e\u010dt\u011bte si \u010dl\u00e1nek o tom<\/a>, jak\u00fd je rozd\u00edl mezi investi\u010dn\u00edm a rizikov\u00fdm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-p-ehled-o-p-jmech-a-v-daj-ch\"><strong>P\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jakmile v\u00e1m na \u00fa\u010det p\u0159ijde n\u011bkolik prvn\u00edch v\u00fdplat, porovnejte si sv\u00e9 p\u0159\u00edjmy a v\u00fddaje. Hned od za\u010d\u00e1tku se <strong>nau\u010dte chovat k rozpo\u010dtu zodpov\u011bdn\u011b<\/strong>. Brzy mo\u017en\u00e1 budete muset vyhodnocovat sv\u00e9 rezervy, dluhy a celkovou hodnotu majetku. Nap\u0159\u00edklad kv\u016fli hypot\u00e9ce nebo jin\u00e9mu \u00fav\u011bru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-lov-k-v-partnerstv\"><strong>\u010clov\u011bk v partnerstv\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u017dijete s partnerem nebo partnerkou v jedn\u00e9 dom\u00e1cnosti, mo\u017en\u00e1 uva\u017eujete o zalo\u017een\u00ed rodiny nebo koupi nemovitosti. V tu chv\u00edli pravd\u011bpodobn\u011b d\u00e1v\u00e1te dohromady sv\u00e9 rozpo\u010dty a sna\u017e\u00edte se sv\u00e9 p\u0159\u00edjmy a v\u00fddaje n\u011bjak\u00fdm zp\u016fsobem sladit a optimalizovat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nejlep-as-na-dobr-dluh\"><strong>Nejlep\u0161\u00ed \u010das na \u201edobr\u00fd dluh\u201d<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Te\u010f je ide\u00e1ln\u00ed doba na to po\u0159\u00eddit si hypot\u00e9ku, kter\u00e1 v\u00e1m zajist\u00ed vlastn\u00ed bydlen\u00ed. Spolu s hypote\u010dn\u00edm poradcem najd\u011bte nejlep\u0161\u00ed variantu \u00fav\u011bru na bydlen\u00ed. P\u0159i v\u00fdb\u011bru se <strong>zam\u011b\u0159te hlavn\u011b na RPSN<\/strong>, tedy ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. \u00darokovou sazbu v\u017edy posuzujte podle aktu\u00e1ln\u00ed inflace.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-erstv-rodi\"><strong>\u010cerstv\u00fd rodi\u010d<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Narozen\u00ed d\u011bt\u00ed je kr\u00e1sn\u00fd okam\u017eik. Znamen\u00e1 ale tak\u00e9 jednu z nejz\u00e1sadn\u011bj\u0161\u00edch zm\u011bn v rodinn\u00e9m rozpo\u010dtu \u2013 i vzhledem k tomu, \u017ee v dom\u00e1cnosti \u010dasto t\u00e9m\u011b\u0159 vypadne jeden p\u0159\u00edjem. Kdy\u017e <a href=\"https:\/\/www.fingo.cz\/blog\/fingo-radi-jak-na-zdrave-rodinne-finance\/\">k rozpo\u010dtu p\u0159istoup\u00edte zodpov\u011bdn\u011b<\/a>, l\u00e9pe p\u0159edejdete probl\u00e9m\u016fm, kter\u00e9 vznikaj\u00ed kv\u016fli \u0161patn\u00e9mu hospoda\u0159en\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-aktualizace-poji-t-n\"><strong>Aktualizace poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Projd\u011bte sv\u00e9 smlouvy k \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed a<strong> p\u0159izp\u016fsobte je nov\u00e9 situaci<\/strong>. Zahr\u0148te do nich i potomky. D\u00edky tomu si zajist\u00edte nejen klid, pokud by se cokoli d\u011blo, ale tak\u00e9 <a href=\"https:\/\/www.fingo.cz\/blog\/vyznejte-se-v-pojisteni-pracovni-neschopnosti\/\">ochranu sv\u00fdch p\u0159\u00edjm\u016f<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-omezen-nepot-ebn-ch-v-daj\"><strong>Omezen\u00ed nepot\u0159ebn\u00fdch v\u00fddaj\u016f<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fkladn\u011b se pod\u00edvejte na v\u0161e, co ka\u017ed\u00fd m\u011bs\u00edc plat\u00edte. Pokud najdete cokoli, bez \u010deho se na \u010das objedete, nebojte se to z rozpo\u010dtu vy\u0161krtnout. Nap\u0159\u00edklad m\u016f\u017eete na n\u011bjakou dobu <strong>p\u0159eru\u0161it platby na spo\u0159en\u00ed<\/strong>. Jakmile se oba vr\u00e1t\u00edte do pr\u00e1ce, za\u010dn\u011bte znovu tvo\u0159it rezervu a odkl\u00e1dat pen\u00edze na tyto v\u011bci.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-dal-ivotn-etapy\"><strong>Dal\u0161\u00ed \u017eivotn\u00ed etapy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ani po narozen\u00ed d\u011bt\u00ed se zm\u011bn\u00e1m v \u017eivot\u011b nevyhnete. N\u011bkter\u00e9 jsou pozitivn\u00ed \u2013 nap\u0159\u00edklad zv\u00fd\u0161en\u00ed platu. Jin\u00e9 jsou bohu\u017eel negativn\u00ed \u2013 sem bychom za\u0159adili t\u0159eba p\u0159\u00edpadn\u00fd rozvod.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u0161e se ale d\u00e1 zvl\u00e1dnout. Obzvl\u00e1\u0161\u0165 kdy\u017e m\u00e1te za z\u00e1dy spolehliv\u00e9ho finan\u010dn\u00edho poradce, kter\u00fd v\u00e1m v ka\u017ed\u00e9 situaci pom\u016f\u017ee naj\u00edt \u0159e\u0161en\u00ed. Finan\u010dn\u00ed produkty jsou dnes <strong>velmi variabiln\u00ed a orientovan\u00e9 na klienty<\/strong>. Spolehn\u011bte se proto, \u017ee za v\u0161ech okolnost\u00ed existuje \u0159e\u0161en\u00ed, kter\u00e9 v\u00e1m pom\u016f\u017ee ke spokojen\u00e9mu \u017eivotu. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Kontaktujte n\u00e1s<\/a> a domluvte si sch\u016fzku je\u0161t\u011b dnes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jako se b\u011bhem \u017eivota m\u011bn\u00ed na\u0161e rodinn\u00e1 a pracovn\u00ed situace, vyv\u00edj\u00ed se i na\u0161e finan\u010dn\u00ed pot\u0159eby. Jinak na pen\u00edze nahl\u00ed\u017e\u00ed student, kter\u00fd si vyd\u011bl\u00e1v\u00e1 na brig\u00e1d\u00e1ch, jinak zase rodi\u010d d\u00edt\u011bte. Inspirujte se, jak se starat o rodinn\u00fd rozpo\u010det podle toho, v jak\u00e9 \u017eivotn\u00ed situaci se pr\u00e1v\u011b nach\u00e1z\u00edte. Mlad\u00fd \u010dlov\u011bk po \u0161kole Stavebn\u00ed a d\u016fchodov\u00e9 spo\u0159en\u00ed Kdy\u017e za\u010dnete vyd\u011bl\u00e1vat pen\u00edze v pr\u00e1ci na pln\u00fd \u00favazek, pravd\u011bpodobn\u011b p\u0159em\u00fd\u0161l\u00edte, jak s nimi nalo\u017eit. Ide\u00e1ln\u011b u\u017e te\u010f myslete na budoucnost a po\u0159i\u010fte si n\u011bkter\u00fd z produkt\u016f se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem: Ochrana p\u0159\u00edjm\u016f Zamyslete se nad t\u00edm, co by se stalo, kdyby v\u00e1m najednou vypadl pravideln\u00fd p\u0159\u00edjem. Kdybyste nap\u0159\u00edklad ze zdravotn\u00edch d\u016fvod\u016f nemohli pracovat. \u010c\u00e1ste\u010dn\u011b by v\u00e1m sice pomohl st\u00e1t a mo\u017en\u00e1 i \u010dlenov\u00e9 rodiny, ale nahradit cel\u00fd p\u0159\u00edjem by nedok\u00e1zali. Po\u0159i\u010fte si proto \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m v nejhor\u0161\u00edm pokryje 100 % p\u0159\u00edjmu. Dejte si ale pozor na jeho spr\u00e1vn\u00e9 nastaven\u00ed \u2013 ide\u00e1ln\u011b si nechte poradit od odborn\u00edka, kter\u00fd v\u00e1m s t\u00edm pom\u016f\u017ee. TIP: P\u0159e\u010dt\u011bte si \u010dl\u00e1nek o tom, jak\u00fd je rozd\u00edl mezi investi\u010dn\u00edm a rizikov\u00fdm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm. P\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch Jakmile v\u00e1m na \u00fa\u010det p\u0159ijde n\u011bkolik prvn\u00edch v\u00fdplat, porovnejte si sv\u00e9 p\u0159\u00edjmy a v\u00fddaje. Hned od za\u010d\u00e1tku se nau\u010dte chovat k rozpo\u010dtu [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":1204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[12,22,55,54,27],"class_list":["post-1200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-hypoteka","tag-jan-walter","tag-penzijni-sporeni","tag-stavebni-sporeni","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na\u00a0rodinn\u00fd rozpo\u010det v ka\u017ed\u00e9 \u017eivotn\u00ed situaci - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Rodinn\u00fd rozpo\u010det se logicky m\u011bn\u00ed podle toho, v jak\u00e9 situaci se pr\u00e1v\u011b nach\u00e1z\u00edte. 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