[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esenzace.cz\/zlate-pravidlo-503020\/#Article","mainEntityOfPage":"https:\/\/www.esenzace.cz\/zlate-pravidlo-503020\/","headline":"Zlat\u00e9 pravidlo 50\/30\/20","name":"Zlat\u00e9 pravidlo 50\/30\/20","description":"Konec m\u011bs\u00edce, \u010dek\u00e1te na v\u00fdplatu jako na smilov\u00e1n\u00ed a jen p\u0159em\u00fd\u0161l\u00edte, co v\u0161echno z\u00a0nov\u011b nabyt\u00fdch pen\u011bz mus\u00edte zaplatit. Ano, tohle je situace obrovsk\u00e9ho mno\u017estv\u00ed rodin po cel\u00e9 \u010desk\u00e9 republice. Probl\u00e9mem je, \u017ee se \u010dasto nedok\u00e1\u017e\u00ed z\u00a0tohoto za\u010darovan\u00e9ho kruhu vymanit n\u011bkolik let. Jak by tedy m\u011bli zach\u00e1zet s\u00a0pen\u011bzi, aby nemuseli ke konci m\u011bs\u00edce str\u00e1dat a modlit...","datePublished":"2019-11-01","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.esenzace.cz\/author\/#Person","name":"","url":"https:\/\/www.esenzace.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5667bceccdce92893bac6a7981a373152a8b3fa0ab99c198ba0ac0b49a934248?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esenzace.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esenzace.cz\/wp-content\/uploads\/img_a361793_w3833_t1574890811.jpg","url":"https:\/\/www.esenzace.cz\/wp-content\/uploads\/img_a361793_w3833_t1574890811.jpg","height":0,"width":0},"url":"https:\/\/www.esenzace.cz\/zlate-pravidlo-503020\/","about":["Finance"],"wordCount":412,"articleBody":"Konec m\u011bs\u00edce, \u010dek\u00e1te na v\u00fdplatu jako na smilov\u00e1n\u00ed a jen p\u0159em\u00fd\u0161l\u00edte, co v\u0161echno z\u00a0nov\u011b nabyt\u00fdch pen\u011bz mus\u00edte zaplatit. Ano, tohle je situace obrovsk\u00e9ho mno\u017estv\u00ed rodin po cel\u00e9 \u010desk\u00e9 republice. Probl\u00e9mem je, \u017ee se \u010dasto nedok\u00e1\u017e\u00ed z\u00a0tohoto za\u010darovan\u00e9ho kruhu vymanit n\u011bkolik let. Jak by tedy m\u011bli zach\u00e1zet s\u00a0pen\u011bzi, aby nemuseli ke konci m\u011bs\u00edce str\u00e1dat a modlit se za dal\u0161\u00ed v\u00fdplatu? Ve spo\u0159en\u00ed existuje takzvan\u00e9 pravidlo 50\/30\/20. Tyto \u010d\u00edsla odd\u011blen\u00e9 lom\u00edtkem p\u0159edstavuj\u00ed procenta platu.\ta)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 50 %\tDo pades\u00e1ti procent z\u00a0platu spadaj\u00ed nezbytn\u00e9 v\u011bci k\u00a0zaplacen\u00ed. Nap\u0159\u00edklad n\u00e1jem, potraviny, \u010d\u00e1st na vodu, elekt\u0159inu a dal\u0161\u00ed.\tb)\u00a0\u00a0\u00a0\u00a0\u00a0 30 %\tT\u0159icet procent je \u010d\u00e1st platu, kterou by m\u011bl \u010dlov\u011bk utratit za z\u00e1bavu. N\u011bkdo tuto \u010d\u00e1st vyu\u017eije na cestov\u00e1n\u00ed, ob\u011bdy v\u00a0restaurac\u00edch \u010di pivo v\u00a0hospod\u011b.\tc)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20 %\tDvacet procent platu by si m\u011bl \u010dlov\u011bk uspo\u0159it. Z\u00a0naspo\u0159en\u00fdch pen\u011bz je pak schopn\u00fd splatit ne\u010dekan\u00e9 v\u00fddaje typu rozbit\u00e1 pra\u010dka \u010di pot\u0159eba nov\u00e9ho kotle. T\u011bchto 20 procent se d\u00e1 vyu\u017e\u00edt i na splacen\u00ed r\u016fzn\u00fdch dluh\u016f a podobn\u011b.\tNa za\u010d\u00e1tku spo\u0159en\u00ed bychom si m\u011bli ujasnit, kolik pen\u011bz vlastn\u011b naspo\u0159it chceme. Co je pro n\u00e1s dostatek a finan\u010dn\u00ed z\u00e1zem\u00ed? U ka\u017ed\u00e9ho se tato hranice pohybuje n\u011bkde jinde. Tak\u00e9 z\u00e1vis\u00ed na v\u00fd\u0161i majetku \u010di n\u00e1jemn\u00e9ho. Pen\u011b\u017en\u00ed rezerva n\u00e1m m\u00e1 umo\u017enit v\u00a0p\u0159\u00edpad\u011b nesn\u00e1z\u00ed tyto v\u011bci zajistit.\t\tCo kdy\u017e m\u00e1 ale \u010dlov\u011bk probl\u00e9m se splacen\u00edm sv\u00fdch pohled\u00e1vek a nem\u016f\u017ee si dovolit nech\u00e1vat z\u00a0platu 20 % a \u010dasto nem\u00e1 ani na t\u011bch 30 %? V\u00a0tomto p\u0159\u00edpad\u011b se dost\u00e1v\u00e1me do za\u010darovan\u00e9ho kruhu, ze kter\u00e9ho mus\u00ed doty\u010dn\u00fd vystoupit ur\u010ditou zm\u011bnou. Nap\u0159\u00edklad zm\u011bn\u011bn\u00edm n\u00e1jemn\u00e9ho \u010di zm\u011bnou pr\u00e1ce. Zm\u011bnou pr\u00e1ce m\u016f\u017ee dos\u00e1hnout lep\u0161\u00edho platov\u00e9ho ohodnocen\u00ed a zm\u011bnit sv\u016fj \u017eivot k\u00a0lep\u0161\u00edmu.\tTyto rady se zdaj\u00ed b\u00fdt pro n\u011bkoho bl\u00e1hov\u00e9. Pakli\u017ee ale za\u010dne \u010dlov\u011bk vyu\u017e\u00edvat toto pravidlo v\u00a0praxi a za\u017eije si ho, uvid\u00ed, \u017ee se jedn\u00e1 o \u0161ikovnou pom\u016fcku.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zlat\u00e9 pravidlo 50\/30\/20","item":"https:\/\/www.esenzace.cz\/zlate-pravidlo-503020\/#breadcrumbitem"}]}]