{"id":5858,"date":"2022-10-23T11:17:46","date_gmt":"2022-10-23T09:17:46","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=5858"},"modified":"2022-11-06T00:44:40","modified_gmt":"2022-11-05T23:44:40","slug":"rodinny-rozpocet","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/rodinny-rozpocet\/","title":{"rendered":"Sestavte si rodinn\u00fd rozpo\u010det \u2013 porad\u00edme, jak na to"},"content":{"rendered":"<p dir=\"ltr\"><strong><span class=\"ContentPasted0\">Rodinn\u00fd rozpo\u010det je stejn\u011b jako jin\u00fd rozpo\u010det tzv. pl\u00e1n pro finan\u010dn\u00ed hospoda\u0159en\u00ed. Spr\u00e1vn\u011b vytvo\u0159en\u00fd rodinn\u00fd rozpo\u010det zajist\u00ed kontrolu nad finan\u010dn\u00ed situac\u00ed rodiny. Sni\u017euje se riziko zbyte\u010dn\u00fdch v\u00fddaj\u016f a zadlu\u017eov\u00e1n\u00ed. Rodinn\u00fd rozpo\u010det nav\u00edc nab\u00edz\u00ed pohled na p\u0159\u00edpadn\u00e9 zdroje pro rezervy a \u00faspory, kter\u00fdmi se lze jednodu\u0161e p\u0159ipravit na ne\u010dekan\u00e9 v\u00fddaje.<\/span><\/strong><\/p>\n<h2 dir=\"ltr\"><span class=\"ContentPasted0\">P\u0159ehledn\u00fd rodinn\u00fd rozpo\u010det<\/span><\/h2>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Tvorba rodinn\u00e9ho rozpo\u010dtu zahrnuje <strong>sou\u010det p\u0159\u00edjm\u016f a v\u00fddaj\u016f<\/strong> v\u0161ech \u010dlen\u016f dom\u00e1cnosti, kter\u00e9 jsou uspo\u0159\u00e1d\u00e1ny do kategori\u00ed. <\/span><span class=\"ContentPasted0\">Um\u011bt si sestavit rodinn\u00fd rozpo\u010det je velmi u\u017eite\u010dn\u00e9. Jak by m\u011bl takov\u00fd rozpo\u010det vypadat?<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Se\u010dten\u00ed m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Prvn\u00edm krokem je <strong>zaznamen\u00e1n\u00ed \u010dist\u00fdch p\u0159\u00edjm\u016f <\/strong>v\u0161ech \u010dlen\u016f dom\u00e1cnosti. V p\u0159\u00edpad\u011b, \u017ee podnik\u00e1te a v\u00e1\u0161 p\u0159\u00edjem se ka\u017ed\u00fd m\u011bs\u00edc li\u0161\u00ed, je dobr\u00e9 si zapsat alespo\u0148 minim\u00e1ln\u00ed \u010d\u00e1stku, se kterou m\u016f\u017eete po\u010d\u00edtat. Do p\u0159\u00edjm\u016f je dobr\u00e9 zahrnout i dal\u0161\u00ed p\u0159\u00edsp\u011bvky a benefity od zam\u011bstnavatele, kter\u00fdmi mohou b\u00fdt stravenky a p\u0159\u00edsp\u011bvky na dopravu. V p\u0159\u00edpad\u011b, \u017ee pob\u00edr\u00e1te jak\u00fdkoliv finan\u010dn\u00ed p\u0159\u00edsp\u011bvek od st\u00e1tu zahr\u0148te jej do p\u0159\u00edjmu tak\u00e9. Nej\u010dast\u011bj\u0161\u00edmi p\u0159\u00edsp\u011bvky jsou <a href=\"https:\/\/orangeacademy.cz\/clanky\/rodicovsky-prispevek-by-mel-vychazet-z-vyse-prijmu-uz-v-roce-2022\/\" target=\"_blank\" rel=\"noopener\">rodi\u010dovsk\u00e9 p\u0159\u00edsp\u011bvky<\/a>, p\u0159\u00edsp\u011bvky na bydlen\u00ed, podpora v nezam\u011bstnanosti a jak\u00fdkoli typ d\u016fchodu. Posledn\u00edmi mo\u017enosti pravideln\u00fdch p\u0159\u00edjm\u016f mohou b\u00fdt alimenty na d\u00edt\u011b, p\u0159\u00edjmy z n\u00e1jm\u016f, z dluhopis\u016f atd.<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Nezbytn\u00e9 v\u00fddaje dom\u00e1cnosti<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Mezi nezbytn\u00e9 v\u00fddaje, kter\u00e9 pat\u0159\u00ed do rodinn\u00e9ho rozpo\u010dtu lze za\u0159adit jednodu\u0161e v\u0161echny v\u00fddaje bez kter\u00fdch by dom\u00e1cnost nemohla \u0159\u00e1dn\u011b fungovat. Nejz\u00e1sadn\u011bj\u0161\u00ed polo\u017ekou jsou v\u00fddaje na bydlen\u00ed a\u0165 u\u017e je jedn\u00e1 o n\u00e1jem nebo hypot\u00e9ku. Do n\u00e1klad\u016f na bydlen\u00ed pat\u0159\u00ed i platby za energie: plyn, elekt\u0159ina, voda a p\u0159\u00edsp\u011bvky do fond\u016f oprav.<\/span><\/p>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Druhou polo\u017ekou jsou n\u00e1klady na <strong>dopravu<\/strong>. Jednodu\u0161e lze zaznamen\u00e1vat m\u011bs\u00ed\u010dn\u00ed v\u00fddaj za j\u00edzdn\u00e9 v p\u0159\u00edpad\u011b, \u017ee vyu\u017e\u00edv\u00e1te hromadnou dopravu. \u0158idi\u010di motorov\u00fdch vozidel po\u010d\u00edtaj\u00ed nejen pen\u00edze za pohonn\u00e9 hmoty, ale i p\u0159\u00edpadn\u00e9 spl\u00e1tky, poji\u0161t\u011bn\u00ed a servis.<\/span><\/p>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Mezi ostatn\u00ed v\u00fddaje pat\u0159\u00ed nej\u010dast\u011bji j\u00eddlo, l\u00e9ky, oble\u010den\u00ed, ale i z\u00e1bava a voln\u00fd \u010das. Jedn\u00e1 se velmi \u010dasto o v\u00fddaje, kter\u00e9 se ka\u017ed\u00fd m\u011bs\u00edc li\u0161\u00ed a <strong>nab\u00edz\u00ed prostor pro u\u0161et\u0159en\u00ed.<\/strong><\/span><\/p>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Do sv\u00e9ho rodinn\u00e9ho rozpo\u010dtu nezapome\u0148te zahrnout i pravideln\u00e9 platby, kter\u00e9 nej\u010dast\u011bji odch\u00e1z\u00ed trval\u00fdm p\u0159\u00edkazem z \u00fa\u010dtu \u2013 telefonn\u00ed pau\u0161\u00e1l, poplatek za internet, rozhlas i televizi.<\/span><\/p>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Posledn\u00ed kategori\u00ed v\u00fddaj\u016f jsou p\u016fj\u010dky a spo\u0159en\u00ed. V p\u0159\u00edpad\u011b, \u017ee m\u00e1te zalo\u017een\u00e9 stavebn\u00ed spo\u0159en\u00ed nebo <a href=\"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/\" target=\"_blank\" rel=\"noopener\">penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/a>. \u010c\u00e1stka, kter\u00e1 v\u00e1m m\u011bs\u00ed\u010dn\u011b odch\u00e1z\u00ed na spo\u0159en\u00ed se sice zhodnocuje do budoucna, ale i tak ji <strong>nezapome\u0148te zapo\u010d\u00edtat do v\u00fddaj\u016f<\/strong> rodinn\u00e9ho rozpo\u010dtu. Posledn\u00ed polo\u017ekou rozpo\u010dtu bude \u010d\u00e1stka, kterou si odkl\u00e1d\u00e1te na ne\u010dekan\u00e9 v\u00fddaje.<\/span><\/p>\n<h2 dir=\"ltr\"><span class=\"ContentPasted0\">Rychl\u00fd p\u0159ehled v\u00fddaj\u016f<\/span><\/h2>\n<ul>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Bydlen\u00ed,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">j\u00eddlo,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">drogerie a dom\u00e1cnost,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">doprava,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">zdravotn\u00ed p\u00e9\u010de,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">\u0161kola a z\u00e1jmov\u00e9 krou\u017eky,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">spl\u00e1tky \u00fav\u011br\u016f a p\u016fj\u010dek,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">platby poji\u0161t\u011bn\u00ed,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">spo\u0159en\u00ed,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">z\u00e1bava a voln\u00fd \u010das,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">d\u00e1rky a dovolen\u00e1,<\/span><\/p>\n<\/li>\n<li dir=\"ltr\">\n<p dir=\"ltr\"><span class=\"ContentPasted0\">ostatn\u00ed pravideln\u00e9 v\u00fddaje.<\/span><\/p>\n<\/li>\n<\/ul>\n<h2 dir=\"ltr\"><span class=\"ContentPasted0\">Jak vytvo\u0159it rodinn\u00fd rozpo\u010det?<\/span><\/h2>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">D\u016fle\u017eit\u00fdm krokem p\u0159i tvorb\u011b rodinn\u00e9ho rozpo\u010dtu<strong> je jeho podoba<\/strong>. Rodinn\u00fd rozpo\u010det lze v\u00e9st klasicky na pap\u00edr, v excelov\u00e9 tabulce nebo ve speci\u00e1ln\u00ed aplikaci.<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Pap\u00edr a tu\u017eka<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Pro\u010d neza\u010d\u00edt s pr\u00e1zdn\u00fdm listem pap\u00edru a v\u0161echno si nezapsat poctiv\u011b do kategori\u00ed \u2013 p\u0159\u00edjmy, v\u00fddaje a m\u011bs\u00ed\u010dn\u00ed rozpo\u010dty. Jedn\u00e1 se sice o \u010dasov\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed metodu, ale <strong>pro za\u010d\u00e1tek je to ide\u00e1ln\u00ed zp\u016fsob<\/strong>, jak m\u00edt sv\u00e9 finance pod kontrolou.<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Excel<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Vytvo\u0159en\u00edm tabulky v excelu u\u0161et\u0159\u00edte d\u00edky spr\u00e1vn\u011b zvolen\u00fdm funkc\u00edm spoustu \u010dasu. Excel jednodu\u0161e spo\u010d\u00edt\u00e1 alokaci va\u0161ich prost\u0159edk\u016f a nab\u00edz\u00ed jasn\u00fd <strong>pohled na va\u0161e finance.<\/strong> Funkce a vzhled tabulky si zvol\u00edte dle va\u0161ich osobn\u00edch preferenc\u00ed.<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Aplikace<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Dal\u0161\u00ed mo\u017enost\u00ed <strong>je pou\u017e\u00edv\u00e1n\u00ed mobiln\u00ed aplikace,<\/strong> kter\u00e1 se hod\u00ed v\u0161em, kte\u0159\u00ed to s rozpo\u010dtem mysl\u00ed v\u00e1\u017en\u011b. Nejen, \u017ee aplikace nab\u00edz\u00ed velmi intuitivn\u00ed prost\u0159ed\u00ed, kter\u00e9 v\u00e1m op\u011bt u\u0161et\u0159\u00ed mnoho \u010dasu, ale podpo\u0159\u00edte v \u010desk\u00e9 v\u00fdvoj\u00e1\u0159e, kte\u0159\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/aplikace-na-finance\/\" target=\"_blank\" rel=\"noopener\">aplikace vyv\u00edj\u00ed.<\/a> Konkr\u00e9tn\u011b je jedn\u00e1 o aplikaci Wallet a Spendee.<\/span><\/p>\n<h3 dir=\"ltr\"><span class=\"ContentPasted0\">Internetov\u00e9 bankovnictv\u00ed<\/span><\/h3>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Snadn\u00fd pohled na va\u0161e pohyby na \u00fa\u010dtu p<strong>oskytuje internetov\u00e9 bankovnictv\u00ed.<\/strong> V p\u0159\u00edpad\u011b, \u017ee prov\u00e1d\u00edte v\u011bt\u0161inu plateb kartou \u010di bankovn\u00edm p\u0159evodem, m\u016f\u017ee v\u00e1m velmi dob\u0159e poslou\u017eit sledov\u00e1n\u00ed p\u0159\u00edjm\u016f a v\u00fddaj\u016f v internetov\u00e9m bankovnictv\u00ed. V\u011bt\u0161ina bank umo\u017e\u0148uje i filtrov\u00e1n\u00ed nebo vytv\u00e1\u0159en\u00ed kategori\u00ed v\u00fddaj\u016f.<\/span><\/p>\n<div id=\"attachment_5860\" style=\"width: 940px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-5860\" class=\"wp-image-5860 size-large\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/10\/AdobeStock_130596078-930x621.jpeg\" alt=\"Rodinn\u00fd rozpo\u010det\" width=\"930\" height=\"621\" \/><p id=\"caption-attachment-5860\" class=\"wp-caption-text\">Tvorba rodinn\u00e9ho rozpo\u010dtu zahrnuje sou\u010det p\u0159\u00edjm\u016f a v\u00fddaj\u016f v\u0161ech \u010dlen\u016f dom\u00e1cnosti, kter\u00e9 jsou uspo\u0159\u00e1d\u00e1ny do kategori\u00ed.<\/p><\/div>\n<h2 dir=\"ltr\"><span class=\"ContentPasted0\">Jak vyu\u017e\u00edvat rodinn\u00fd rozpo\u010det?<\/span><\/h2>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Dob\u0159e sestaven\u00fd rozpo\u010det u\u0161et\u0159\u00ed mnoho starost\u00ed. Jednodu\u0161e z\u00edsk\u00e1te p\u0159edstavu o sv\u00fdch z\u00e1kladn\u00edch v\u00fddaj\u00edch a najdete i m\u00edsta, kde byste mohli u\u0161et\u0159it. Jakmile zjist\u00edte, \u017ee se po vypo\u010dten\u00ed rozd\u00edlu mezi p\u0159\u00edjmy a v\u00fddaji nach\u00e1z\u00edte <strong>v z\u00e1porn\u00e9 hodnot\u011b,<\/strong> je pot\u0159eba to za\u010d\u00edt \u0159e\u0161it v\u010das a nesahat neust\u00e1le do rezerv. Kr\u00e1tkodob\u00fd stav sice nemus\u00ed znamenat katastrofu, ale pokud by byl stav dlouhodob\u00fd, mus\u00edte p\u0159istoupit na sn\u00ed\u017een\u00ed v\u00fddaj\u016f.\u00a0<\/span><span class=\"ContentPasted0\">Pokud budete cht\u00edt rozpo\u010det upravit m\u016f\u017eete se obr\u00e1tit na finan\u010dn\u00edho poradce, kter\u00fd v\u00e1m jist\u011b pom\u016f\u017ee s vyhovuj\u00edc\u00edm \u0159e\u0161en\u00edm.<\/span><\/p>\n<p dir=\"ltr\"><span class=\"ContentPasted0\">Ide\u00e1ln\u00ed v\u00fdsledek je, kdy\u017e <strong>m\u00e1te v rodinn\u00e9m rozpo\u010dtu p\u0159ebytek.<\/strong> Ide\u00e1ln\u00ed rezerva je trojn\u00e1sobek m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Zbytek, kter\u00fd zb\u00fdv\u00e1 z p\u0159\u00edjm\u016f po ode\u010dten\u00ed v\u0161ech v\u00fddaj\u016f a vytvo\u0159en\u00ed rezervy m\u016f\u017eete d\u00e1l investovat, tak abyste jej st\u00e1le zhodnocovali. S investov\u00e1n\u00edm se lze na obr\u00e1tit op\u011bt na finan\u010dn\u00ed poradce.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rodinn\u00fd rozpo\u010det je stejn\u011b jako jin\u00fd rozpo\u010det tzv. pl\u00e1n pro finan\u010dn\u00ed hospoda\u0159en\u00ed. Spr\u00e1vn\u011b vytvo\u0159en\u00fd rodinn\u00fd rozpo\u010det zajist\u00ed kontrolu nad finan\u010dn\u00ed situac\u00ed rodiny. Sni\u017euje se riziko zbyte\u010dn\u00fdch v\u00fddaj\u016f a zadlu\u017eov\u00e1n\u00ed. Rodinn\u00fd rozpo\u010det nav\u00edc nab\u00edz\u00ed pohled na p\u0159\u00edpadn\u00e9 zdroje pro rezervy a \u00faspory, kter\u00fdmi se lze jednodu\u0161e p\u0159ipravit na ne\u010dekan\u00e9 v\u00fddaje. P\u0159ehledn\u00fd rodinn\u00fd rozpo\u010det Tvorba rodinn\u00e9ho rozpo\u010dtu [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":5861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[166,310,31],"class_list":["post-5858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-finance","tag-penize","tag-tipy-na-aplikace"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sestavte si rodinn\u00fd rozpo\u010det \u2013 porad\u00edme, jak na to<\/title>\n<meta name=\"description\" content=\"Rodinn\u00fd rozpo\u010det je tzv. pl\u00e1n pro finan\u010dn\u00ed hospoda\u0159en\u00ed. 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