[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.asmiba.sk\/rodinne-uctovnictvo\/#Article","mainEntityOfPage":"https:\/\/www.asmiba.sk\/rodinne-uctovnictvo\/","headline":"Rodinn\u00e9 \u00fa\u010dtovn\u00edctvo","name":"Rodinn\u00e9 \u00fa\u010dtovn\u00edctvo","description":"V\u00e4\u010d\u0161inou vieme, ko\u013eko penia\u017ekov n\u00e1m mesa\u010dne prich\u00e1dza na \u00fa\u010det, ale v\u00a0podstate netu\u0161\u00edme, ko\u013eko n\u00e1m odch\u00e1dza. Vieme s\u00edce, ko\u013eko stoja v\u00a0konkr\u00e9tnych obchodoch ban\u00e1ny a\u00a0ve\u013eakr\u00e1t nev\u00e1hame prejs\u0165 polovicu mesta, aby sme k\u00fapili nie\u010do lacnej\u0161ie. Ale mo\u017eno n\u00e1m z\u00a0\u00fa\u010dtu unikaj\u00fa pravidelne sumy, o\u00a0ktor\u00fdch nem\u00e1me preh\u013ead. A\u00a0mo\u017eno sa tomu aj podvedome vyh\u00fdbame. Ak si urob\u00edme v\u00a0t\u00fdchto veciach jasno, m\u00f4\u017eeme k\u00a0nim zauja\u0165 stanovisko. M\u00f4\u017eeme napr\u00edklad poprem\u00fd\u0161\u013ea\u0165 ako by sme vedeli v\u00a0ist\u00fdch oblastiach zn\u00ed\u017ei\u0165 na\u0161e v\u00fddavky. Na to, aby sme vedeli, kde s\u00fa na\u0161e slabiny, mus\u00edme pozna\u0165 skuto\u010dn\u00fd stav. Ako inak a\u00a0najlep\u0161ie by sme ho spoznali, ako veden\u00edm rodinn\u00e9ho \u00fa\u010dtovn\u00edctva. Nemus\u00edme si ho vies\u0165 cel\u00fd \u017eivot. Aj ke\u010f pre\u010do nie? Sk\u00fasme to aspo\u0148 jeden rok. Za tento \u010das vypl\u00e1va na povrch ve\u013ea vec\u00ed. Ako na to? Ur\u010dite existuj\u00fa aj aplik\u00e1cie, ktor\u00e9 m\u00f4\u017eeme pou\u017ei\u0165, ale oby\u010dajn\u00e1 excelovsk\u00e1 tabu\u013eka bude sta\u010di\u0165. V\u00a0prvom st\u013apci v\u00a0jednotliv\u00fdch riadkoch nap\u00ed\u0161eme n\u00e1zvy v\u0161etk\u00fdch oblast\u00ed n\u00e1\u0161ho \u017eivota, kde m\u00e1me finan\u010dn\u00e9 toky. \u010c\u00edm ich pop\u00ed\u0161eme&hellip;\r\n <p> <a class=\"more-link\" href=\"https:\/\/www.asmiba.sk\/rodinne-uctovnictvo\/\">Read more<\/a><\/p>","datePublished":"2019-11-09","dateModified":"2019-11-09","author":{"@type":"Person","@id":"https:\/\/www.asmiba.sk\/author\/#Person","name":"","url":"https:\/\/www.asmiba.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"asmiba.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.asmiba.sk\/wp-content\/uploads\/img_a299442_w16718_t1555571427.jpg","url":"https:\/\/www.asmiba.sk\/wp-content\/uploads\/img_a299442_w16718_t1555571427.jpg","height":0,"width":0},"url":"https:\/\/www.asmiba.sk\/rodinne-uctovnictvo\/","wordCount":540,"articleBody":"V\u00e4\u010d\u0161inou vieme, ko\u013eko penia\u017ekov n\u00e1m mesa\u010dne prich\u00e1dza na \u00fa\u010det, ale v\u00a0podstate netu\u0161\u00edme, ko\u013eko n\u00e1m odch\u00e1dza. Vieme s\u00edce, ko\u013eko stoja v\u00a0konkr\u00e9tnych obchodoch ban\u00e1ny a\u00a0ve\u013eakr\u00e1t nev\u00e1hame prejs\u0165 polovicu mesta, aby sme k\u00fapili nie\u010do lacnej\u0161ie. Ale mo\u017eno n\u00e1m z\u00a0\u00fa\u010dtu unikaj\u00fa pravidelne sumy, o\u00a0ktor\u00fdch nem\u00e1me preh\u013ead.A\u00a0mo\u017eno sa tomu aj podvedome vyh\u00fdbame. Ak si urob\u00edme v\u00a0t\u00fdchto veciach jasno, m\u00f4\u017eeme k\u00a0nim zauja\u0165 stanovisko. M\u00f4\u017eeme napr\u00edklad poprem\u00fd\u0161\u013ea\u0165 ako by sme vedeli v\u00a0ist\u00fdch oblastiach zn\u00ed\u017ei\u0165 na\u0161e v\u00fddavky.Na to, aby sme vedeli, kde s\u00fa na\u0161e slabiny, mus\u00edme pozna\u0165 skuto\u010dn\u00fd stav. Ako inak a\u00a0najlep\u0161ie by sme ho spoznali, ako veden\u00edm rodinn\u00e9ho \u00fa\u010dtovn\u00edctva. Nemus\u00edme si ho vies\u0165 cel\u00fd \u017eivot. Aj ke\u010f pre\u010do nie? Sk\u00fasme to aspo\u0148 jeden rok. Za tento \u010das vypl\u00e1va na povrch ve\u013ea vec\u00ed.Ako na to? Ur\u010dite existuj\u00fa aj aplik\u00e1cie, ktor\u00e9 m\u00f4\u017eeme pou\u017ei\u0165, ale oby\u010dajn\u00e1 excelovsk\u00e1 tabu\u013eka bude sta\u010di\u0165. V\u00a0prvom st\u013apci v\u00a0jednotliv\u00fdch riadkoch nap\u00ed\u0161eme n\u00e1zvy v\u0161etk\u00fdch oblast\u00ed n\u00e1\u0161ho \u017eivota, kde m\u00e1me finan\u010dn\u00e9 toky. \u010c\u00edm ich pop\u00ed\u0161eme detailnej\u0161ie, t\u00fdm si budeme vedie\u0165 urobi\u0165 lep\u0161iu anal\u00fdzu. Najprv za\u010dnime v\u00fddavkami. Napr\u00edklad: v\u00fddavky na b\u00fdvanie (n\u00e1jom, plyn, elektrina, voda, odvoz odpadu, dane, opravy a\u00a0\u00fadr\u017eba), v\u00fddavky na auto (pohonn\u00e9 hmoty, olej, \u00fadr\u017eba, parkovanie, poplatky), telekomunika\u010dn\u00e9 slu\u017eby (telev\u00edzia, internet, mobily), strava, drog\u00e9ria, kozmetika, hobby, kult\u00fara, \u0161port at\u010f. Potom pokra\u010dujem rovnako s\u00a0pr\u00edjmami, napr\u00edklad: pr\u00edjem zo zamestnania, pr\u00edjem zo \u017eivnosti, pr\u00eddavky na deti, dary at\u010f.Do \u010fal\u0161\u00edch st\u013apcovsi nap\u00ed\u0161me n\u00e1zvy kalend\u00e1rnych mesiacov.No a\u00a0potom si budeme do jednotliv\u00fdch riadkov zapisova\u0165 sumy v\u0161etk\u00fdch pr\u00edjmov a\u00a0v\u0161etk\u00fdch v\u00fddavkov (\u00e1no aj v\u00fd\u0161ku prepitn\u00e9ho pre \u010da\u0161n\u00ed\u010dku v\u00a0kaviarni). Nech\u00e1me excel, aby n\u00e1m to v\u0161etko pekne zr\u00e1tal. Na konci st\u013apcov urob\u00edme rozdiel medzi pr\u00edjmami a\u00a0v\u00fddavkami.Tak a\u00a0teraz je u\u017e len na n\u00e1s ako si jednotliv\u00e9 v\u00fdsledky analyzujeme a\u00a0\u010di s\u00a0t\u00fdm nie\u010do urob\u00edme, aby sme ne\u017eili od v\u00fdplaty k\u00a0v\u00fdplate.E\u0161te jedna rada na z\u00e1ver:V\u00a0pr\u00edpade, \u017ee budete v\u00a0r\u00e1mci optimaliz\u00e1cie svojich n\u00e1kladov komunikova\u0165 aj s\u00a0va\u0161ou bankou, majte na mysli, koho z\u00e1ujmy banka obhajuje. Ur\u010dite nie va\u0161e. Tak\u017ee oh\u013eadom tejto oblasti sa najprv pora\u010fte s\u00a0nez\u00e1visl\u00fdm finan\u010dn\u00fdm poradcom. \u00a0Jeho slu\u017eby pre v\u00e1s s\u00fa bezplatn\u00e9. Nezastupuje \u017eiadnu konkr\u00e9tnu in\u0161tit\u00faciu, tak\u017ee v\u00e1s nem\u00e1 d\u00f4vod tla\u010di\u0165 do nejakej, ktor\u00e1 by mohla by\u0165 v\u00fdhodnej\u0161ia viac pre neho ako pre v\u00e1s. Naopak. Vie, \u017ee ke\u010f v\u00e1m pon\u00fakne produkt, ktor\u00fd bude pre v\u00e1s najlep\u0161\u00ed, oslov\u00edte ho aj nabud\u00face.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rodinn\u00e9 \u00fa\u010dtovn\u00edctvo","item":"https:\/\/www.asmiba.sk\/rodinne-uctovnictvo\/#breadcrumbitem"}]}]