{"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\/sk\/zivot-s-inflaciou-ako-sa-s-nou-vyrovnat\/","title":{"rendered":"\u017divot s infl\u00e1ciou: Ako sa s \u0148ou vyrovna\u0165?"},"content":{"rendered":"\n
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\n Zvy\u0161ovanie cien neplat\u00ed len pre potraviny a energie. Ovplyv\u0148uje aj ceny n\u00e1jmov. Ak sa v\u00e1m maj\u00fa n\u00e1klady na pren\u00e1jom zv\u00fd\u0161i\u0165 alebo sa u\u017e zv\u00fd\u0161ili, dohodnite si stretnutie s prenaj\u00edmate\u013eom<\/strong>. Zistite, \u010di sa neviete na kone\u010dnej sume za b\u00fdvanie dohodn\u00fa\u0165 a mierne ju zn\u00ed\u017ei\u0165. Mnoh\u00ed vlastn\u00edci zodpovedn\u00fdm n\u00e1jomcom radi cenu do\u010dasne zn\u00ed\u017eia.<\/p>\n\n\n\n Naopak, ak n\u00e1jomn\u00fa nehnute\u013enos\u0165 vlastn\u00edte, porozpr\u00e1vajte sa o situ\u00e1cii s n\u00e1jomcom. Zv\u00fd\u0161en\u00e9 n\u00e1klady na energie m\u00f4\u017eete sk\u00fasi\u0165 rozdeli\u0165 medzi obe strany.<\/p>\n\n\n\n Aj v tomto pr\u00edpade plat\u00ed, \u017ee jednanie nie je ve\u013emi pr\u00edjemnou z\u00e1le\u017eitos\u0165ou, no ve\u013eakr\u00e1t m\u00f4\u017ee vies\u0165 k rie\u0161eniam v\u00fdhodn\u00fdm pre obe strany<\/strong>.<\/p>\n\n\n\n Na \u0165a\u017ek\u00fa dobu, ktor\u00e1 prich\u00e1dza so zvy\u0161ovan\u00edm cien a infl\u00e1ciou, je d\u00f4le\u017eit\u00e9 sa spr\u00e1vne pripravi\u0165. Z\u00e1kladom je vedie\u0165, ako u\u0161etri\u0165 aj na be\u017en\u00fdch v\u00fddavkoch a ako financie zhodnoti\u0165. Ide\u00e1lne je investova\u0165 do oblast\u00ed, ktor\u00fdm sa v s\u00fa\u010dasnosti dar\u00ed<\/strong>. Zvo\u013ete relat\u00edvne stabiln\u00e9 akt\u00edva, ako napr\u00edklad nehnute\u013enosti. Investujte pravidelne, aj men\u0161ie \u010diastky. V na\u0161ich \u010fal\u0161\u00edch \u010dl\u00e1nkoch sa do\u010d\u00edtate, ako za\u010da\u0165 investova\u0165 a nepop\u00e1li\u0165 sa<\/a>, \u010di ako si vybra\u0165 spr\u00e1vny realitn\u00fd investi\u010dn\u00fd projekt<\/a>.<\/p>\n","protected":false},"excerpt":{"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. Oplat\u00ed sa spori\u0165? Ka\u017ed\u00e1 dom\u00e1cnos\u0165 by mala ma\u0165 ur\u010dit\u00fa finan\u010dn\u00fa rezervu, ktor\u00e1 ju v \u0165a\u017ek\u00fdch \u010dasoch zachr\u00e1ni. […]<\/p>\n","protected":false},"author":14,"featured_media":325638,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"\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>Vedeli ste, \u017ee \u2026<\/h3>\n\n\n\n
<\/a>Vysk\u00fa\u0161ajte jedna\u0165 o zv\u00fd\u0161en\u00ed platu<\/h2>\n\n\n\n
<\/figure>\n\n\n\n
Jednajte aj o n\u00e1jomnom<\/h2>\n\n\n\n
\u0160etrite a zhodno\u0165te svoje financie<\/h2>\n\n\n\n