[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.novaroll.sk\/ako-vypocitat-spravnu-sumu-uspor-pre-vas-rozpocet\/#Article","mainEntityOfPage":"https:\/\/www.novaroll.sk\/ako-vypocitat-spravnu-sumu-uspor-pre-vas-rozpocet\/","headline":"Ako vypo\u010d\u00edta\u0165 spr\u00e1vnu sumu \u00faspor pre v\u00e1\u0161 rozpo\u010det","name":"Ako vypo\u010d\u00edta\u0165 spr\u00e1vnu sumu \u00faspor pre v\u00e1\u0161 rozpo\u010det","description":"Vytvorte rozpo\u010det Za\u010dnite t\u00fdm, \u017ee uvediete svoje stabiln\u00e9 mesa\u010dn\u00e9 pr\u00edjmy, rovnako ako v\u0161etky v\u00fddavky. To zah\u0155\u0148a v\u0161etko, od va\u0161ej mesa\u010dnej spl\u00e1tky hypot\u00e9ky a\u017e po \u00fa\u010dty za k\u00e1vu. Najlep\u0161ie je, ak sa vr\u00e1tite o nieko\u013eko mesiacov dozadu. Minim\u00e1lne by ste mali zahrn\u00fa\u0165 posledn\u00e9 tri mesiace. Ale n\u00e1vrat sp\u00e4\u0165 \u0161es\u0165 mesiacov, alebo dokonca cel\u00fd rok, m\u00f4\u017ee poskytn\u00fa\u0165 […]","datePublished":"2018-10-30","dateModified":"2018-10-30","author":{"@type":"Person","@id":"https:\/\/www.novaroll.sk\/author\/#Person","name":"","url":"https:\/\/www.novaroll.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c4621640b5c0734669aeb181ef77969b528487727344f28e734a206566ea0f1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"novaroll.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.novaroll.sk\/wp-content\/uploads\/img_a295135_w16684_t1546180240.jpg","url":"https:\/\/www.novaroll.sk\/wp-content\/uploads\/img_a295135_w16684_t1546180240.jpg","height":0,"width":0},"url":"https:\/\/www.novaroll.sk\/ako-vypocitat-spravnu-sumu-uspor-pre-vas-rozpocet\/","wordCount":412,"articleBody":"Vytvorte rozpo\u010detZa\u010dnite t\u00fdm, \u017ee uvediete svoje stabiln\u00e9 mesa\u010dn\u00e9 pr\u00edjmy, rovnako ako v\u0161etky v\u00fddavky. To zah\u0155\u0148a v\u0161etko, od va\u0161ej mesa\u010dnej spl\u00e1tky hypot\u00e9ky a\u017e po \u00fa\u010dty za k\u00e1vu. Najlep\u0161ie je, ak sa vr\u00e1tite o nieko\u013eko mesiacov dozadu. Minim\u00e1lne by ste mali zahrn\u00fa\u0165 posledn\u00e9 tri mesiace. Ale n\u00e1vrat sp\u00e4\u0165 \u0161es\u0165 mesiacov, alebo dokonca cel\u00fd rok, m\u00f4\u017ee poskytn\u00fa\u0165 ove\u013ea v\u00e4\u010d\u0161\u00ed preh\u013ead.Z\u00e1kladnou my\u0161lienkou tohto kroku je urobi\u0165 realistick\u00e9 zhodnotenie va\u0161ich pr\u00edjmov a v\u00fddavkov. Nebojte sa, ak sa \u010d\u00edsla zdaj\u00fa by\u0165 nepr\u00edjemn\u00e9. Jedin\u00fdm cie\u013eom tohto kroku je vytvori\u0165 z\u00e1kladn\u00fa l\u00edniu. Je to len v\u00fdchodiskov\u00fd bod pre budovanie v\u00e1\u0161ho rozpo\u010dtu.M\u00f4\u017ee to by\u0165 nepr\u00edjemn\u00e9, ale existuj\u00fa rozpo\u010dtov\u00e9 aplik\u00e1cie, ktor\u00e9 v\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 urobi\u0165 to za p\u00e1r min\u00fat. Prepojen\u00edm \u00fa\u010dtov v\u00fddavkov a pr\u00edjmov s aplik\u00e1ciou sa anal\u00fdza d\u00e1 urobi\u0165 aj za pomoci tejto \u0161ikovnej aplik\u00e1cie.Analyzujte svoje v\u00fddavky\u010ci to rob\u00edte manu\u00e1lne alebo pomocou aplik\u00e1cie, mali by ste sumarizova\u0165 svoje v\u00fddavky. Vytvorte kateg\u00f3rie v\u00fddavkov, ako napr\u00edklad hypot\u00e9ku, platby za auto, slu\u017eby, potraviny a z\u00e1bavu.Usporiadan\u00edm v\u00fddavkov do kateg\u00f3ri\u00ed dosiahne dva d\u00f4le\u017eit\u00e9 ciele:\t\tUmo\u017en\u00ed v\u00e1m presne vidie\u0165, kde sa va\u0161e peniaze pohybuj\u00fa (\u010do m\u00f4\u017ee by\u0165 prekvapuj\u00face)\t\tBudete m\u00f4c\u0165 vykona\u0165 \u00fapravy v\u00a0jednotliv\u00fdch kateg\u00f3ri\u00e1chAkon\u00e1hle viete, ak\u00e9 s\u00fa va\u0161e mesa\u010dn\u00e9 v\u00fddavky v ka\u017edej kateg\u00f3rii v\u00fddavkov, zoskupte svoje v\u00fddavky do troch kateg\u00f3ri\u00ed:\t\tNevyhnutn\u00e9 pevn\u00e9 v\u00fddavky– zah\u0155\u0148aj\u00fa z\u00e1kladn\u00e9 \u017eivotn\u00e9 n\u00e1klady, napr\u00edklad n\u00e1jomn\u00e9, zdravotn\u00e9 poistenie a spl\u00e1tky\t\tPotrebn\u00e9 variabiln\u00e9 v\u00fddavky– jedn\u00e1 sa o polo\u017eky, ktor\u00e9 potrebujete, ale ktor\u00e9 sa l\u00ed\u0161ia v mno\u017estve. Zah\u0155\u0148a potraviny, benz\u00edn a niektor\u00e9 slu\u017eby.\t\tNepovinn\u00e9 v\u00fddavky– t\u00e1to \u0161irok\u00e1 kateg\u00f3ria zah\u0155\u0148a v\u0161etko ostatn\u00e9 a je \u017eiaduca, ale nie nevyhnutn\u00e1. Z\u00e1bava a stravovanie s\u00fa dva hlavn\u00e9 pr\u00edklady.Nie je ve\u013ea, \u010do m\u00f4\u017eete urobi\u0165 s potrebn\u00fdmi fixn\u00fdmi v\u00fddavkami. M\u00f4\u017eete v\u0161ak pracova\u0165 na postupnom zni\u017eovan\u00ed potrebn\u00fdch variabiln\u00fdch v\u00fddavkov. Napr\u00edklad m\u00f4\u017eete nastavi\u0165 cie\u013e zn\u00ed\u017ei\u0165 n\u00e1klady na potraviny o 10 percent a\u00a0slu\u017eby o 20 percent.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako vypo\u010d\u00edta\u0165 spr\u00e1vnu sumu \u00faspor pre v\u00e1\u0161 rozpo\u010det","item":"https:\/\/www.novaroll.sk\/ako-vypocitat-spravnu-sumu-uspor-pre-vas-rozpocet\/#breadcrumbitem"}]}]