[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oktop.cz\/jak-sporit\/#Article","mainEntityOfPage":"https:\/\/www.oktop.cz\/jak-sporit\/","headline":"Jak spo\u0159it","name":"Jak spo\u0159it","description":"A\u0165 ji\u017e spo\u0159\u00edme na penzi, na novou kuchy\u0148 nebo pro d\u011bti sv\u00fdch d\u011bt\u00ed, je dobr\u00e9 dodr\u017eovat n\u011bkolik pravidel, aby se n\u00e1m spo\u0159en\u00ed dob\u0159e vedlo. Pro ka\u017ed\u00e9ho mohou b\u00fdt v\u00edce \u010di m\u00e9n\u011b d\u016fle\u017eit\u00e1, ale rozhodn\u011b stoj\u00ed za to si o nich pop\u0159em\u00fd\u0161let. Motivace P\u0159i st\u0159\u00e1d\u00e1n\u00ed pen\u011bz je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, co si za naspo\u0159en\u00e9 pen\u00edze chceme koupit. […]","datePublished":"2025-02-24","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.oktop.cz\/author\/#Person","name":"","url":"https:\/\/www.oktop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oktop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oktop.cz\/wp-content\/uploads\/img_a334573_w2636_t1548183195.jpg","url":"https:\/\/www.oktop.cz\/wp-content\/uploads\/img_a334573_w2636_t1548183195.jpg","height":0,"width":0},"url":"https:\/\/www.oktop.cz\/jak-sporit\/","about":["Pen\u00edze"],"wordCount":498,"articleBody":"A\u0165 ji\u017e spo\u0159\u00edme na penzi, na novou kuchy\u0148 nebo pro d\u011bti sv\u00fdch d\u011bt\u00ed, je dobr\u00e9 dodr\u017eovat n\u011bkolik pravidel, aby se n\u00e1m spo\u0159en\u00ed dob\u0159e vedlo. Pro ka\u017ed\u00e9ho mohou b\u00fdt v\u00edce \u010di m\u00e9n\u011b d\u016fle\u017eit\u00e1, ale rozhodn\u011b stoj\u00ed za to si o nich pop\u0159em\u00fd\u0161let.\tMotivace\tP\u0159i st\u0159\u00e1d\u00e1n\u00ed pen\u011bz je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, co si za naspo\u0159en\u00e9 pen\u00edze chceme koupit. Nebo komu je odk\u00e1\u017eeme. Bude n\u00e1s to motivovat k\u00a0ukl\u00e1d\u00e1n\u00ed pen\u011bz. Je v\u0161ak mo\u017en\u00e9 \u0161et\u0159it i jen tak, odkl\u00e1dat finance pro str\u00fd\u010dka p\u0159\u00edhodu. D\u00e1le je velice d\u016fle\u017eit\u00e9, abychom se ujistili, \u017ee m\u00e1me dostatek trp\u011blivosti k\u00a0dlouhodob\u00e9 \u010dinnosti, kterou je spo\u0159en\u00ed.\t\tPo tro\u0161k\u00e1ch\tNa spo\u0159\u00edc\u00ed \u00fa\u010det, nebo pod pol\u0161t\u00e1\u0159, ukl\u00e1d\u00e1me pouze drobn\u00e9 \u010d\u00e1stky.\u00a0 A to tak mal\u00e9, aby n\u00e1m nechyb\u011bly p\u0159i b\u011b\u017en\u00e9m provozu dom\u00e1cnosti. Tyto mal\u00e9 obnosy mohou b\u00fdt nap\u0159\u00edklad zaokrouhlen\u00edm pen\u011bz na \u00fa\u010dtu po proveden\u00e9 platb\u011b, platb\u00e1ch. Nebo to mohou b\u00fdt drobn\u00e9, kter\u00e9 n\u00e1m zb\u00fdvaj\u00ed po n\u00e1kupu.\t\u017d\u00e1dn\u00e1 zv\u011bdavost\tNed\u00edv\u00e1me se jak na\u0161e \u00faspory rostou. Byli bychom toti\u017e v\u00a0p\u0159\u00edli\u0161 velk\u00e9m poku\u0161en\u00ed za n\u011bco je utratit. Naopak, \u010d\u00edm m\u00e9n\u011b n\u00e1m bude z\u00e1le\u017eet na mno\u017estv\u00ed pen\u011bz, kter\u00e9 m\u00e1me nast\u0159\u00e1dan\u00e9, t\u00edm v\u011bt\u0161\u00ed sumy m\u016f\u017eeme dos\u00e1hnout. T\u00edm v\u011bt\u0161\u00ed obnos pot\u00e9 m\u016f\u017eeme investovat t\u0159eba do nov\u00e9 kuchyn\u011b nebo odk\u00e1zat sv\u00fdm d\u011btem.\tCena spo\u0159en\u00ed\tKdy\u017e spo\u0159\u00edme, mus\u00edme si b\u00fdt v\u011bdomi, \u017ee i odkl\u00e1d\u00e1n\u00ed pen\u011bz do budoucna n\u011bco stoj\u00ed. Touto cenou je inflace, o kterou se na\u0161e \u00faspory znehodnot\u00ed. Kdy\u017e si v\u0161ak uv\u011bdom\u00edme, \u017ee d\u00edky na\u0161\u00ed drobn\u00e9 n\u00e1maze si nemus\u00edme br\u00e1t p\u016fj\u010dku na pot\u0159ebnou v\u011bc, zjist\u00edme, \u017ee jsme nakonec vyd\u011blali. Pota\u017emo, \u017ee jsme u\u0161et\u0159ili nemal\u00e9 v\u00fddaje na\u0161im potomk\u016fm.\t\tN\u00e1stroj\tM\u00e1lo kdo m\u00e1 dnes doma trezor (nebo slamn\u00edk), kde by shroma\u017e\u010foval pen\u00edze. Je toti\u017e docela rozumn\u00e9 nechat sv\u00e9 \u00faspory v\u00a0relativn\u00edm bezpe\u010d\u00ed bankovn\u00edho \u00fa\u010dtu. Ale hlavn\u011b b\u00fdt sami ve v\u011bt\u0161\u00edm bezpe\u010d\u00ed t\u00edm, \u017ee si doma nebudeme p\u011bstovat l\u00e1kadlo pro zlod\u011bje.\t\u00daspory jsou d\u016fle\u017eit\u00e9 i p\u0159es to, \u017ee ji\u017e m\u00e1me t\u0159eba hypot\u00e9ku nebo leasing na auto. V\u017edy n\u00e1s toti\u017e m\u016f\u017ee nav\u0161t\u00edvit str\u00fd\u010dek p\u0159\u00edhoda, kter\u00fd si s\u00a0sebou odnese t\u0159eba pra\u010dku t\u00fdden po z\u00e1ruce. A konec konc\u016f, kdy\u017e se n\u00e1m poda\u0159\u00ed odk\u00e1zat n\u011bjak\u00e9 ty drobn\u00e9 sv\u00fdm d\u011btem, rozhodn\u011b za to nebudou nerady.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak spo\u0159it","item":"https:\/\/www.oktop.cz\/jak-sporit\/#breadcrumbitem"}]}]