{"id":325628,"date":"2022-11-23T09:25:48","date_gmt":"2022-11-23T07:25:48","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=325628"},"modified":"2022-11-23T09:26:07","modified_gmt":"2022-11-23T07:26:07","slug":"zivot-s-inflaciou-ako-sa-s-nou-vyrovnat","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/de\/zivot-s-inflaciou-ako-sa-s-nou-vyrovnat\/","title":{"rendered":"Leben mit der Inflation: Wie kann man damit umgehen?"},"content":{"rendered":"
Vy\u0161\u0161ie ceny za potraviny, energie a \u010fal\u0161ie be\u017en\u00e9 v\u00fddavky sp\u00f4sobuj\u00fa finan\u010dn\u00e9 probl\u00e9my nejednej dom\u00e1cnosti. Mnoh\u00ed tak rozm\u00fd\u0161\u013eaj\u00fa, ak\u00fdm sp\u00f4sobom efekt\u00edvne zabojova\u0165 proti infl\u00e1cii a u\u0161etri\u0165 aspo\u0148 zop\u00e1r eur mesa\u010dne. Dobrou spr\u00e1vou je, \u017ee sa to d\u00e1 nieko\u013ek\u00fdmi sp\u00f4sobmi.<\/strong><\/p>\n\n\n\n Ka\u017ed\u00e1 dom\u00e1cnos\u0165 by mala ma\u0165 ur\u010dit\u00fa<\/strong> finan\u010dn\u00fa<\/strong> rezervu<\/strong>, ktor\u00e1 ju v \u0165a\u017ek\u00fdch \u010dasoch zachr\u00e1ni. Ve\u013ekos\u0165 finan\u010dnej rezervy sa odv\u00edja od potrieb samotnej rodiny. V\u00e4\u010d\u0161ina odborn\u00edkov odpor\u00fa\u010da odklada\u0165 si 10 % z celkov\u00e9ho mesa\u010dn\u00e9ho pr\u00edjmu dom\u00e1cnosti.<\/p>\n\n\n\n Sporenie v \u010dase infl\u00e1cie ale nemus\u00ed by\u0165 tak\u00e9 v\u00fdhodn\u00e9, preto\u017ee peniaze str\u00e1caj\u00fa na svojej hodnote. Preto je dobr\u00e9 poprem\u00fd\u0161\u013ea\u0165, \u010di \u010das\u0165 z nich nezainvestujete<\/strong>, aby v\u00e1m nie\u010do zarobili alebo aspo\u0148 vykryli straty. Investova\u0165 v dne\u0161nej dobe m\u00f4\u017eete do r\u00f4znych finan\u010dn\u00fdch n\u00e1strojov a komod\u00edt, ako vz\u00e1cne kovy, akcie, fondy \u010di nehnute\u013enosti.<\/p>\n\n\n\n Po\u017ei\u010diavanie v \u010dase zvy\u0161ovania cien nemus\u00ed by\u0165 tak\u00e9 v\u00fdhodn\u00e9<\/strong>. Banky toti\u017e zvy\u0161uj\u00fa \u00faroky, ktor\u00e9 pri dlh\u0161\u00edch fix\u00e1ci\u00e1ch dosahuj\u00fa svoje maxim\u00e1. K\u00fapu nehnute\u013enosti alebo \u010dohoko\u013evek in\u00e9ho je preto nutn\u00e9 si dobre premyslie\u0165. Zv\u00e1\u017ete, \u010di s k\u00fapou nejak\u00fd \u010das nepo\u010dk\u00e1te.<\/p>\n\n\n\n Ak ale m\u00e1te stabiln\u00fd pr\u00edjem a s\u00farne potrebujete nov\u00e9 b\u00fdvanie alebo auto, dbajte na zn\u00ed\u017eenie riz\u00edk spojen\u00fdch s p\u00f4\u017ei\u010dkou. Spo\u010d\u00edtajte si, ak\u00fa v\u00fd\u0161ku spl\u00e1tky V\u00e1\u0161 rozpo\u010det unesie a zvo\u013ete aj dostato\u010dne dlh\u00fa dobu jej fix\u00e1cie. Uchr\u00e1nite sa tak pred mo\u017enos\u0165ou, \u017ee jej zv\u00fd\u0161enie zhor\u0161\u00ed va\u0161u ekonomick\u00fa situ\u00e1ciu. \u00daroky sa toti\u017e v s\u00fa\u010dasnosti neust\u00e1le zvy\u0161uj\u00fa.<\/p>\n\n\n\n \u2026 v septembri 2022 dosahovali hypot\u00e9ky s 10-ro\u010dnou fix\u00e1ciou a\u017e 4,3 %<\/strong>? T\u00e1to hodnota v\u0161ak nie je ani z\u010faleka kone\u010dn\u00e1 a s rast\u00facou infl\u00e1ciou sa bude zvy\u0161ova\u0165. Ak teda rozm\u00fd\u0161\u013eate nad p\u00f4\u017ei\u010dkou, vybavte si ju \u010d\u00edm sk\u00f4r a fixujte na \u010do najdlh\u0161ie.<\/p>\n\n\n\n \u010eal\u0161\u00edm efekt\u00edvnym rie\u0161en\u00edm na boj proti infl\u00e1cii je zv\u00fd\u0161enie<\/strong> platu<\/strong>. Niektor\u00ed zamestn\u00e1vatelia pri infl\u00e1cii zvy\u0161uj\u00fa mzdu automaticky. Ak m\u00e1te vo svojej pracovnej zmluve dolo\u017eku o mo\u017enosti zv\u00fd\u0161enia mzdy, stretnite sa so svojim nadriaden\u00fdm a sk\u00faste n\u00e1js\u0165 spolo\u010dn\u00e9 rie\u0161enie.<\/p>\n\n\n\n Jednanie o zv\u00fd\u0161en\u00ed platu nemus\u00ed by\u0165 pr\u00edjemn\u00e9. Rozhodne v\u0161ak stoj\u00ed za vysk\u00fa\u0161anie<\/strong>.<\/p>\n\n\n\nOplat\u00ed sa spori\u0165?<\/h2>\n\n\n\n
<\/a>P\u00f4\u017ei\u010dka a infl\u00e1cia: Ve\u013ek\u00fd risk?<\/h2>\n\n\n\n
<\/a>Wussten Sie, dass ...<\/h3>\n\n\n\n
<\/a>Vysk\u00fa\u0161ajte jedna\u0165 o zv\u00fd\u0161en\u00ed platu<\/h2>\n\n\n\n