[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ajedu.cz\/rodinny-rozpocet-pro-zacatecniky\/#Article","mainEntityOfPage":"https:\/\/www.ajedu.cz\/rodinny-rozpocet-pro-zacatecniky\/","headline":"Rodinn\u00fd rozpo\u010det pro za\u010d\u00e1te\u010dn\u00edky","name":"Rodinn\u00fd rozpo\u010det pro za\u010d\u00e1te\u010dn\u00edky","description":"Ka\u017ed\u00e1 dom\u00e1cnost je vlastn\u011b samostatn\u00e1 jednotka, a\u0165 u\u017e ji tvo\u0159\u00ed po\u010detn\u00e1 rodina nebo jednotlivec. Dom\u00e1c\u00ed rozpo\u010det by pak m\u011bl vych\u00e1zet p\u0159\u00edmo z jej\u00edch zvyklost\u00ed a pot\u0159eb, platebn\u00edch povinnost\u00ed a samoz\u0159ejm\u011b v\u00fd\u0161e p\u0159\u00edjm\u016f. Takov\u00e9 \u00fa\u010detnictv\u00ed mus\u00ed b\u00fdt proto p\u0159edev\u0161\u00edm p\u0159ehledn\u00e9, jednoduch\u00e9 a pravdiv\u00e9. Zvl\u00e1\u0161t\u011b ze za\u010d\u00e1tku je u\u017eite\u010dn\u00e9 zaznamen\u00e1vat si i drobn\u011bj\u0161\u00ed v\u00fddaje \u2013 mnohdy je […]","datePublished":"2020-09-24","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.ajedu.cz\/author\/#Person","name":"","url":"https:\/\/www.ajedu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e2bc6fe70dccf39a55c73bbd7bca9ee949cec8871fdab6d0b20905b7ccca14f3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e2bc6fe70dccf39a55c73bbd7bca9ee949cec8871fdab6d0b20905b7ccca14f3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ajedu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ajedu.cz\/wp-content\/uploads\/img_a318736_w2263_t1529587459.jpg","url":"https:\/\/www.ajedu.cz\/wp-content\/uploads\/img_a318736_w2263_t1529587459.jpg","height":0,"width":0},"url":"https:\/\/www.ajedu.cz\/rodinny-rozpocet-pro-zacatecniky\/","wordCount":675,"articleBody":"Ka\u017ed\u00e1 dom\u00e1cnost je vlastn\u011b samostatn\u00e1 jednotka, a\u0165 u\u017e ji tvo\u0159\u00ed po\u010detn\u00e1 rodina nebo jednotlivec. Dom\u00e1c\u00ed rozpo\u010det by pak m\u011bl vych\u00e1zet p\u0159\u00edmo z jej\u00edch zvyklost\u00ed a pot\u0159eb, platebn\u00edch povinnost\u00ed a samoz\u0159ejm\u011b v\u00fd\u0161e p\u0159\u00edjm\u016f.Takov\u00e9 \u00fa\u010detnictv\u00ed mus\u00ed b\u00fdt proto p\u0159edev\u0161\u00edm p\u0159ehledn\u00e9, jednoduch\u00e9 a pravdiv\u00e9. Zvl\u00e1\u0161t\u011b ze za\u010d\u00e1tku je u\u017eite\u010dn\u00e9 zaznamen\u00e1vat si i drobn\u011bj\u0161\u00ed v\u00fddaje \u2013 mnohdy je velk\u00fdm p\u0159ekvapen\u00edm fakt, na kolik n\u00e1s m\u011bs\u00ed\u010dn\u011b pr\u00e1v\u011b takov\u00e9 \u201ekorunov\u00e9\u201c z\u00e1le\u017eitosti vyjdou.P\u0159\u00edjmyMezi p\u0159\u00edjmy po\u010d\u00edt\u00e1me pen\u00edze, kter\u00e9 pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc p\u0159ich\u00e1zej\u00ed na n\u00e1\u0161 \u00fa\u010det a m\u00e1me je tedy k dispozici. A\u0165 u\u017e se jedn\u00e1 o plat nebo nap\u0159\u00edklad soci\u00e1ln\u00ed \u010di jin\u00e9 d\u00e1vky, v \u00favahu bereme sou\u010det v\u0161ech pravideln\u00fdch p\u0159\u00edjm\u016f v obvykl\u00e9 v\u00fd\u0161i.V\u00fddajeV\u00fddaje d\u011bl\u00edme dle nutnosti na pevn\u00e9 a pohybliv\u00e9. Mezi pevn\u00e9 po\u010d\u00edt\u00e1me pravideln\u00e9 poplatky za dopravu, elekt\u0159inu, n\u00e1jem, spl\u00e1tky p\u016fj\u010dek a podobn\u011b. Pat\u0159\u00ed sem i n\u00e1klady na dopravu do zam\u011bstn\u00e1n\u00ed \u010di \u0161koly, kapesn\u00e9 pro d\u011bti\u2026 Zkr\u00e1tka v\u0161e, co pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc plat\u00edme a na \u010dem se z podstaty v\u011bci ned\u00e1 u\u0161et\u0159it, proto\u017ee cifra je pevn\u011b dan\u00e1.Pohybliv\u00e9 polo\u017eky pak tvo\u0159\u00ed n\u00e1klady na potraviny, drogerii, oble\u010den\u00ed, kulturu, d\u00e1rky a podobn\u011b. Tady u\u017e lze v p\u0159\u00edpad\u011b pot\u0159eby ut\u00e1hnout pomyslnou uzdu, zvl\u00e1\u0161\u0165 pokud pot\u0159ebujeme u\u0161et\u0159it n\u011bjak\u00fd ten obnos. Prvn\u00ed m\u011bs\u00edc \u010di dva, jak u\u017e je zm\u00edn\u011bno v\u00fd\u0161e, v\u011bnujeme pe\u010dliv\u00e9mu z\u00e1pisu v\u0161eho, co spad\u00e1 do t\u00e9to skupiny.RezervaNen\u00ed samoz\u0159ejm\u011b \u017e\u00e1douc\u00ed jet ka\u017ed\u00fd m\u011bs\u00edc takzvan\u011b nadoraz. I pokud nedisponujeme vysok\u00fdmi p\u0159\u00edjmy, m\u011bli bychom si ka\u017ed\u00fd m\u011bs\u00edc vy\u010dlenit alespo\u0148 malou \u010d\u00e1stku, kterou si ponech\u00e1me jako ur\u010ditou rezervu na ne\u010dekan\u00e1 vyd\u00e1n\u00ed a \u201ekrizov\u00e9\u201c situace. Na zv\u00e1\u017een\u00ed je, jestli tyto pen\u00edze nech\u00e1me jen tak \u201ele\u017eet\u201c na \u00fa\u010dtu, nebo je n\u011bjak\u00fdm zp\u016fsobem d\u00e1le zhodnot\u00edme.P\u0159ehledP\u0159i samotn\u00e9m sestavov\u00e1n\u00ed rozpo\u010dtu za\u010dneme nejprve sou\u010dtem t\u011bch polo\u017eek, kter\u00e9 jsme ozna\u010dili jako pevn\u00e9, tedy nutn\u00e9.Z\u00e1znamy z n\u00e1kup\u016f pohybliv\u00fdch polo\u017eek rozd\u011bl\u00edme do skupin podle jejich \u00fa\u010delu \u2013 j\u00eddlo, oble\u010den\u00ed, drogerie a kosmetika\u2026 T\u00edm m\u00e1me zmapov\u00e1no, kolik obvykle za ka\u017edou z nich utrat\u00edme a p\u0159i d\u016fkladn\u011bj\u0161\u00edm \u201epr\u016fzkumu\u201c jist\u011b najdeme slab\u00e1 m\u00edsta v podob\u011b ne \u00fapln\u011b nutn\u00fdch a\u017e zhola zbyte\u010dn\u00fdch n\u00e1kup\u016f, kter\u00fdch se do budoucna vyvarovat.RozvahaK pl\u00e1nov\u00e1n\u00ed n\u00e1kup\u016f polo\u017eek, kter\u00e9 jsme si ozna\u010dili jako pohybliv\u00e9, p\u0159istupujeme p\u0159edev\u0161\u00edm re\u00e1ln\u011b, se znalost\u00ed vlastn\u00edch n\u00e1kupn\u00edch zvyklost\u00ed. To znamen\u00e1, \u017ee cht\u00edt prvn\u00ed m\u011bs\u00edc sn\u00ed\u017eit polo\u017eky za oble\u010den\u00ed na minimum a n\u00e1klady na j\u00eddlo na polovinu se n\u00e1m s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed nepoda\u0159\u00ed, postupujeme tedy sp\u00ed\u0161 cestou men\u0161\u00edch, ale promy\u0161len\u00fdch \u00faspor, kter\u00e9 v kone\u010dn\u00e9m d\u016fsledku tolik nebol\u00ed.Stanov\u00edme si tedy, kolik za ka\u017edou skupinu hodl\u00e1me za m\u011bs\u00edc utratit, a nakupujeme s ohledem na tuto rozvahu. Zpo\u010d\u00e1tku to nen\u00ed \u00fapln\u011b snadn\u00e9, pozitivn\u00ed ale je, \u017ee n\u00e1s tato \u010dinnost nut\u00ed p\u0159i nakupov\u00e1n\u00ed p\u0159em\u00fd\u0161let a postupem \u010dasu v n\u00ed lze z\u00edskat ur\u010dit\u00fd cvik.Jako ur\u010ditou odm\u011bnu se osv\u011bd\u010duje ur\u010dit si \u010d\u00e1stku i na \u201en\u00e1kupy pro radost\u201c – sv\u00fdm zp\u016fsobem je to takov\u00e9 mal\u00e9 kapesn\u00e9, kter\u00fdm lze kompenzovat n\u00e1kupn\u00ed chut\u011b, kter\u00e9 m\u00e1 \u010das od \u010dasu ka\u017ed\u00fd z n\u00e1s.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rodinn\u00fd rozpo\u010det pro za\u010d\u00e1te\u010dn\u00edky","item":"https:\/\/www.ajedu.cz\/rodinny-rozpocet-pro-zacatecniky\/#breadcrumbitem"}]}]