[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tfinal.sk\/9-zlatych-zasad-financne-gramotneho-cloveka\/#Article","mainEntityOfPage":"https:\/\/www.tfinal.sk\/9-zlatych-zasad-financne-gramotneho-cloveka\/","headline":"9 ZLAT\u00ddCH Z\u00c1SAD FINAN\u010cNE GRAMOTN\u00c9HO \u010cLOVEKA","name":"9 ZLAT\u00ddCH Z\u00c1SAD FINAN\u010cNE GRAMOTN\u00c9HO \u010cLOVEKA","description":"1) Za\u010dnite hne\u010f terazJe jednoduch\u00e9 sa tr\u00e1pi\u0165 ak ste neza\u010dali \u0161etri\u0165 na d\u00f4chodok ani nevytvorili automatizovan\u00fd sporiaci \u00fa\u010det, ke\u010f ste boli mlad\u00ed.V bud\u00facnosti ale m\u00f4\u017eete z toho iba \u0165a\u017ei\u0165 ak za\u010dnete pr\u00e1ve teraz. Investi\u010dn\u00fd guru Warren Buffet raz povedal: \u201eNiekto kto vysadil strom d\u00e1vno, dnes u\u017e sed\u00ed v jeho tieni.\u201c 2) Investujte do toho \u010do … ","datePublished":"2018-03-28","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.tfinal.sk\/author\/#Person","name":"","url":"https:\/\/www.tfinal.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tfinal.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tfinal.sk\/wp-content\/uploads\/img_a288213_w16486_t1527499275.jpg","url":"https:\/\/www.tfinal.sk\/wp-content\/uploads\/img_a288213_w16486_t1527499275.jpg","height":0,"width":0},"url":"https:\/\/www.tfinal.sk\/9-zlatych-zasad-financne-gramotneho-cloveka\/","about":["Financie"],"wordCount":423,"articleBody":"1) Za\u010dnite hne\u010f terazJe jednoduch\u00e9 sa tr\u00e1pi\u0165 ak ste neza\u010dali \u0161etri\u0165 na d\u00f4chodok ani nevytvorili automatizovan\u00fd sporiaci \u00fa\u010det, ke\u010f ste boli mlad\u00ed.V bud\u00facnosti ale m\u00f4\u017eete z toho iba \u0165a\u017ei\u0165 ak za\u010dnete pr\u00e1ve teraz. Investi\u010dn\u00fd guru Warren Buffet raz povedal: \u201eNiekto kto vysadil strom d\u00e1vno, dnes u\u017e sed\u00ed v jeho tieni.\u201c2) Investujte do toho \u010do pozn\u00e1te\u2026..…a ni\u010d viac. Bu\u010fte maxim\u00e1lne opatrn\u00ed a poriadne si v\u0161etko overte predt\u00fdm ne\u017e investujete do spolo\u010dnost\u00ed alebo odvetv\u00ed o ktor\u00fdch ni\u010d neviete. Pok\u00faste sa dr\u017ea\u0165 oblast\u00ed, ktor\u00edm rozumiete alebo ktor\u00e9 po presk\u00faman\u00ed pochop\u00edte.3) Investujte do kvalityNeinvestujte do spolo\u010dnosti, ktorej produkty nemaj\u00fa dobr\u00e9 meno.Je to risk, ktor\u00fd sa v\u00e1m nemus\u00ed vyplati\u0165. \u00daspe\u0161n\u00e9, kvalitn\u00e9 a premyslen\u00e9 produkty \u010dasto znamenaj\u00fa, \u017ee spolo\u010dnos\u0165 je kvalitn\u00e1 a mali by ste jej venova\u0165 svoju pozornos\u0165.4) DlhyAk m\u00e1te kopec dlhov, niekedy je lep\u0161ie \u010do najsk\u00f4r splati\u0165 tie s najni\u017e\u0161\u00edmi spl\u00e1tkami.Pr\u00edpadne sa pok\u00faste zl\u00fa\u010di\u0165 v\u0161etky men\u0161ie do jedn\u00e9ho \u00faveru aby bola mesa\u010dn\u00e1 spl\u00e1tka iba jedna. Bude to aj pre v\u00e1s jednoduch\u0161ie.5) Nastavte si ciele Neobmedzujte svoje ciele iba na naplnenie sporiaceho \u00fa\u010dtu, mali by ste si stanovi\u0165 niektor\u00e9 ciele aj pre va\u0161e financie. Kedy by ste chceli ma\u0165 splaten\u00fd dlh? Kedy hypot\u00e9ku? 6) Poplatky za vedenie \u00fa\u010dtuAk sa v\u00e1m zdaj\u00fa privysok\u00e9, zme\u0148te banku.Pr\u00edpadne \u010dasto pou\u017e\u00edvajte platbu kartou, ve\u013ea b\u00e1nk v tom pr\u00edpade poskytuje z\u013eavu na poplatky. Detsk\u00e9 a \u0161tudentsk\u00e9 \u00fa\u010dty s\u00fa zadarmo.7)  \u201eKupujte\u201c si z\u00e1\u017eitky R\u00f4zne \u0161t\u00fadie dokazuj\u00fa, \u017ee k\u00fapou luxusn\u00fdch \u00e1ut alebo \u0161perkov z\u00edskate len chv\u00ed\u013ekov\u00fa spokojnos\u0165. Ale ke\u010f vyraz\u00edte na cesty, u\u017eijete si \u00fa\u017easn\u00fa dovolenku, absolvujete let v lietadle alebo zoskok pad\u00e1kom vychutn\u00e1te si \u201esvoje peniaze\u201c omnoho viac.8) Vedenie \u00fa\u010dtovNa va\u0161om be\u017enom \u00fa\u010dte si v\u017edy ponechajte len sumu, ktor\u00fa potrebujete na zaplatenie mesa\u010dn\u00fdch v\u00fddavkov a ka\u017edodenn\u00fdch n\u00e1kupov.Zvy\u0161ok v\u017edy preve\u010fte na sporiaci \u00fa\u010det, ten pon\u00faka vy\u0161\u0161ie \u00farokov\u00e9 sadzby.9) Zru\u0161te pre\u010derpanieAk ste si u\u017e vytvorili sol\u00eddny z\u00e1klad na sporiacom \u00fa\u010dte, nepotrebujete ochranu pred pre\u010derpan\u00edm.Banky miluj\u00fa kontokorenty a nezabezpe\u010den\u00e9 \u00favery \u00faro\u010dia dos\u0165 vysok\u00fdmi \u00farokmi. Preto ak u\u017e m\u00e1te istotu vo svojom sporiacom \u00fa\u010dte m\u00f4\u017eete kontokorent s k\u013eudn\u00fdm svedom\u00edm zru\u0161i\u0165.                                                                                                                                                                                                                                                                                                                                                                                         3.7\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"9 ZLAT\u00ddCH Z\u00c1SAD FINAN\u010cNE GRAMOTN\u00c9HO \u010cLOVEKA","item":"https:\/\/www.tfinal.sk\/9-zlatych-zasad-financne-gramotneho-cloveka\/#breadcrumbitem"}]}]