[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ibright.cz\/penize-radosti-i-starosti\/#Article","mainEntityOfPage":"https:\/\/www.ibright.cz\/penize-radosti-i-starosti\/","headline":"Pen\u00edze \u2013 radosti i starosti","name":"Pen\u00edze \u2013 radosti i starosti","description":"Je to jen p\u00e1r dn\u00ed, co byly zve\u0159ejn\u011bny v\u00fdsledky dlouhodob\u00e9ho v\u00fdzkumu. Ten ud\u00e1v\u00e1, \u017ee \u010d\u00e1stka pot\u0159ebn\u00e1 k d\u016fstojn\u00e9mu \u017eivotu v na\u0161\u00ed republice se pohybuje nad 31.000 K\u010d na m\u011bs\u00edc. Pokud pat\u0159\u00edte k t\u011bm \u0161\u0165astn\u00fdm, kte\u0159\u00ed takov\u00e9ho p\u0159\u00edjmu dosahuj\u00ed, m\u00e1te nap\u016fl vyhr\u00e1no. Ale a\u0165 ji\u017e vyd\u011bl\u00e1v\u00e1te pr\u00e1v\u011b tuto sumu, nebo o tis\u00edcikoruny v\u00edce nebo naopak m\u00e9n\u011b, ... <a href=\"https:\/\/www.ibright.cz\/penize-radosti-i-starosti\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Pen\u00edze \u2013 radosti i starosti\"<\/span> &raquo;<\/a>","datePublished":"2019-12-24","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.ibright.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ibright.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/53c590fdd1ec24ee297a15a00a0829b5191e9163e4cc5dbbee20ed40fcc30ad9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ibright.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ibright.cz\/wp-content\/uploads\/img_a364360_w4288_t1577104743.jpg","url":"https:\/\/www.ibright.cz\/wp-content\/uploads\/img_a364360_w4288_t1577104743.jpg","height":0,"width":0},"url":"https:\/\/www.ibright.cz\/penize-radosti-i-starosti\/","about":["Pen\u00edze"],"wordCount":973,"articleBody":"Je to jen p\u00e1r dn\u00ed, co byly zve\u0159ejn\u011bny v\u00fdsledky dlouhodob\u00e9ho v\u00fdzkumu. Ten ud\u00e1v\u00e1, \u017ee \u010d\u00e1stka pot\u0159ebn\u00e1 k d\u016fstojn\u00e9mu \u017eivotu v na\u0161\u00ed republice se pohybuje nad 31.000 K\u010d na m\u011bs\u00edc. Pokud pat\u0159\u00edte k t\u011bm \u0161\u0165astn\u00fdm, kte\u0159\u00ed takov\u00e9ho p\u0159\u00edjmu dosahuj\u00ed, m\u00e1te nap\u016fl vyhr\u00e1no. Ale a\u0165 ji\u017e vyd\u011bl\u00e1v\u00e1te pr\u00e1v\u011b tuto sumu, nebo o tis\u00edcikoruny v\u00edce nebo naopak m\u00e9n\u011b, bude dobr\u00e9, kdy\u017e se budete dr\u017eet n\u011bkolika pravidel, kter\u00e9 v\u00e1m umo\u017en\u00ed s va\u0161im p\u0159\u00edjmem vyj\u00edt.  Vlastn\u00ed bydlen\u00ed nebo pron\u00e1jem Obecn\u011b je v na\u0161\u00ed republice, p\u0159edev\u0161\u00edm ve v\u011bt\u0161\u00edch m\u011bstech, naprost\u00fd nedostatek n\u00e1jemn\u00edch byt\u016f za solidn\u00ed pron\u00e1jem. Nap\u0159\u00edklad v Praze se n\u00e1jmy bl\u00ed\u017e\u00ed patn\u00e1cti tis\u00edc\u016fm, a to v tom nejsou zdaleka zapo\u010d\u00edt\u00e1ny n\u00e1klady na energie. Pokud se rozhodujete, zda si pronajmout byt v Praze, nebo po\u0159\u00eddit vlastn\u00ed bydlen\u00ed, m\u011bli byste si zjistit, kolik v\u00e1s m\u011bs\u00ed\u010dn\u011b bude st\u00e1t spl\u00e1tka hypot\u00e9ky. Sami budete p\u0159ekvapeni, jakou \u010d\u00e1stku si m\u016f\u017eete p\u016fj\u010dit za spl\u00e1tku srovnatelnou s platbou n\u00e1jmu. Tak nap\u0159\u00edklad za n\u011bjak\u00fdch 13.000 K\u010d m\u016f\u017eete m\u00edt klidn\u011b hypot\u00e9ku na necel\u00e9 t\u0159i miliony. A za to se u\u017e d\u00e1 po\u0159\u00eddit vlastn\u00ed bydlen\u00ed. Ano, jsou mezi n\u00e1mi takov\u00ed, kte\u0159\u00ed jsou jako st\u011bhovav\u00ed pt\u00e1ci a vlastn\u00ed nemovitost by je jenom br\u00e1nila v rozletu. Ale pokud mezi n\u011b nepat\u0159\u00edte, zva\u017ete, zde budete investovat do vlastn\u00edho, nebo platit do ciz\u00edho. Doprava Jezd\u00edte do pr\u00e1ce a na n\u00e1kupy autem? Nebo vyu\u017e\u00edv\u00e1te MHD? V\u00edte, kolik v\u00e1s stoj\u00ed m\u011bs\u00ed\u010dn\u011b va\u0161e doprava? Mo\u017en\u00e1 by st\u00e1lo za to, si to propo\u010d\u00edtat. Nenav\u00e1d\u00edm v\u00e1s k tomu, abyste zavrhli auto a chodili v\u0161ude p\u011b\u0161ky. Ale p\u0159em\u00fd\u0161lejte nad t\u00edm, jestli i pro v\u00e1s nen\u00ed n\u011bjak\u00e1 alternativa. Dnes je mo\u017en\u00e9 vyu\u017e\u00edvat spoluj\u00edzdy, sehnat slevy na d\u00e1lkov\u00e9 spoje. Nebo jen takov\u00e1 drobnost, jako koupit si ro\u010dn\u00ed j\u00edzdn\u00e9 na MHD m\u00edsto m\u011bs\u00ed\u010dn\u00edho. I t\u00edmto zp\u016fsobem se d\u00e1 u\u0161et\u0159it n\u011bkolik tis\u00edcikorun za rok. Dovol\u00edm si drobn\u00fd n\u00e1vod pro ty, kte\u0159\u00ed doj\u00ed\u017ed\u00ed za prac\u00ed do velk\u00fdch m\u011bst autem. Zkuste nechat vozidlo na okrajov\u00fdch parkovi\u0161t\u00edch a po m\u011bst\u011b jezdit hromadnou dopravou. Jednak u\u0161et\u0159\u00edte pen\u00edze za parkovn\u00e9, \u010das za st\u00e1n\u00ed v kolon\u00e1ch, a dobrou n\u00e1ladu, nebo\u0165 se p\u0159estanete roz\u010dilovat nad t\u00edm, pro\u010d to zase nejede a pro\u010d nest\u00edh\u00e1m domluvenou sch\u016fzku. \u00daspory \u010c\u00edm d\u0159\u00edve za\u010dnete ukl\u00e1dat \u010d\u00e1st sv\u00fdch pen\u011bz bokem, t\u00edm pro v\u00e1s l\u00e9pe. Plat\u00ed zde tis\u00edce let star\u00e9 pravidlo des\u00e1tek. Kdy\u017e si z ka\u017ed\u00e9ho sv\u00e9ho p\u0159\u00edjmu d\u00e1te deset procent bokem, p\u0159iprav\u00edte si pen\u00edze nejen na nenad\u00e1l\u00e9 v\u00fddaje, ale i na dovolenou nebo t\u0159eba v\u00e1no\u010dn\u00ed d\u00e1rky. Nebudete pak muset p\u0159em\u00fd\u0161let nad t\u00edm, jestli se zadlu\u017e\u00edte nebo ne. Proto\u017ee dovolen\u00e1 \u010di V\u00e1noce na spl\u00e1tky zn\u00ed sice dob\u0159e, ale dal\u0161\u00ed m\u011bs\u00edce v\u00e1m to ud\u011bl\u00e1 p\u011bknou d\u00edru do va\u0161eho rozpo\u010dtu.  Poji\u0161t\u011bn\u00ed Nikomu z n\u00e1s se nevyh\u00fdbaj\u00ed ud\u00e1losti, kter\u00e9 n\u00e1m m\u016f\u017eou s na\u0161\u00ed pen\u011b\u017eenkou p\u011bkn\u011b zam\u00e1vat. Nemoci, \u00farazy, a nejr\u016fzn\u011bj\u0161\u00ed dal\u0161\u00ed nep\u0159\u00edjemnosti m\u016f\u017eou potkat opravdu ka\u017ed\u00e9ho. Proto je dobr\u00e9, b\u00fdt rad\u011bji dop\u0159edu p\u0159ipraven, ne\u017e n\u00e1sledn\u011b p\u0159ekvapen. A v\u011b\u0159te mi, poji\u0161t\u011bn\u00ed nen\u00ed vyhazov\u00e1n\u00ed pen\u011bz do kan\u00e1lu. Jen je nutno i zde zachovat chladnou hlavu, nenechat se zmanipulovat. Potraviny Mo\u017en\u00e1 jste zvykl\u00ed, d\u011blat velk\u00e9 n\u00e1kupy jednou t\u00fddn\u011b. Nebo t\u0159eba jednou za m\u011bs\u00edc. Vezete si potom z obchodu n\u011bkolik n\u00e1kupn\u00edch ta\u0161ek, na v\u0161echno m\u00e1te chu\u0165, v\u0161e je \u010derstv\u00e9 a tak kr\u00e1sn\u011b von\u00ed. Co ale bude s potravinami z\u00edtra? A co za t\u00fdden? A kolik z nich nakonec vyhod\u00edte? Zkusme se v\u0161ichni zamyslet nad t\u00edm, kolik pen\u011bz n\u00e1s st\u00e1lo to, \u017ee jsme nakupovali i to, co jsme nebyli schopni spot\u0159ebovat. A jak to ovliv\u0148uje p\u0159\u00edrodu a na\u0161e okol\u00ed, o tom asi taky nemus\u00edm pov\u00eddat. Tak\u017ee od dne\u0161n\u00edho dne, v\u011bt\u0161\u00ed n\u00e1kup trvanliv\u00fdch potravin jednou za m\u011bs\u00edc a jinak kupuji jen to, co sn\u00edm. Jednak budete m\u00edt v\u017edy \u010derstv\u00e9 potraviny, n\u00e1sledn\u011b brzy zjist\u00edte, \u017ee jste schopni za stejn\u00e9 mno\u017estv\u00ed pen\u011bz m\u00edt mnohem kvalitn\u011bj\u0161\u00ed potraviny. Nen\u00ed v\u017edy nutn\u00e9 za ka\u017edou cenu u\u0161et\u0159it, ale pokud za stejn\u00e9 mno\u017estv\u00ed pen\u011bz m\u00edsto chemicky upraven\u00fdch, dostanete potraviny \u010derstv\u00e9 a opravdu BIO, m\u016f\u017eete b\u00fdt spokojeni. Nakonec je v\u017edy zapot\u0159eb\u00ed p\u0159em\u00fd\u0161let nad t\u00edm, zda v\u011bc, kterou kupuji, pot\u0159ebuji, nebo ne. Jestli je projevem toho, \u017ee se chci p\u0159edv\u00e9st a uk\u00e1zat, nebo toho, \u017ee v\u00edm, co d\u011bl\u00e1m a pro\u010d. Z\u00e1v\u011brem se je\u0161t\u011b vr\u00e1t\u00edm k pravidlu des\u00e1tek a p\u0159id\u00e1m jedno doporu\u010den\u00ed. Pokud je to mo\u017en\u00e9, deset procent ze sv\u00e9ho platu investujte sami do sebe. V\u017edy\u0165 je taky nezbytn\u00e9, abychom z toho na\u0161eho \u017eivota m\u011bli radost.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze \u2013 radosti i starosti","item":"https:\/\/www.ibright.cz\/penize-radosti-i-starosti\/#breadcrumbitem"}]}]