{"id":2158,"date":"2021-05-11T09:21:13","date_gmt":"2021-05-11T09:21:13","guid":{"rendered":"https:\/\/codetofreedom.com\/?p=2158"},"modified":"2021-05-11T09:21:14","modified_gmt":"2021-05-11T09:21:14","slug":"70-30-regel-in-financien-geld-beheren-investeren","status":"publish","type":"post","link":"https:\/\/codetofreedom.com\/sk\/70-30-pravidlo-v-financii-peniaze-riadenie-investovanie\/","title":{"rendered":"Pravidlo 70\/30 vo financi\u00e1ch: o spr\u00e1ve a investovan\u00ed pe\u0148az\u00ed"},"content":{"rendered":"<p>My\u0161lienkou spr\u00e1vneho spravovania, spravovania a investovania pe\u0148az\u00ed je zabezpe\u010di\u0165, aby fungovali teraz v s\u00fa\u010dasnosti, ale aj v bud\u00facnosti. <\/p>\n\n\n\n<p>Existuje mnoho vzorcov a met\u00f3d dostupn\u00fdch vo v\u0161etk\u00fdch druhoch vari\u00e1ci\u00ed, ale tu je pr\u00edklad jednoduchej met\u00f3dy budovania bohatstva: najm\u00e4 kde a ako najlep\u0161ie spravova\u0165 peniaze pod\u013ea tohto princ\u00edpu priraden\u00e9ho pravidla 70\/30. <\/p>\n\n\n\n<h2>Ako prebieha rozdelenie pod\u013ea pravidla 70\/30?<\/h2>\n\n\n\n<p>Z\u00e1kladom je v\u00e1\u0161 mesa\u010dn\u00fd \u010dist\u00fd pr\u00edjem, pri\u010dom pod\u013ea pravidla 70\/30 sa vo v\u0161eobecnosti pou\u017e\u00edva nasleduj\u00faca klasifik\u00e1cia:<\/p>\n\n\n\n<ul><li>70% je na mesa\u010dn\u00e9 v\u00fddavky (v\u0161etko, na \u010do sa min\u00fa peniaze)<\/li><li>10% ide na \u00faspory, pokia\u013e nem\u00e1te dlhy, ktor\u00e9 treba vyrie\u0161i\u0165. Vtedy ide toto percento z v\u00e1\u0161ho pr\u00edjmu najsk\u00f4r na rie\u0161enie dlhov, aby boli \u010do najr\u00fdchlej\u0161ie vyrie\u0161en\u00e9.<\/li><li>10% ide na invest\u00edcie, d\u00f4chodok, sporenie na nesk\u00f4r, vzdel\u00e1vanie det\u00ed<\/li><li>10% ide na dary, charity<\/li><\/ul>\n\n\n\n<h2>V\u00fddavky 70% pod\u013ea pravidla 70\/30<\/h2>\n\n\n\n<p>V\u00fddavky zah\u0155\u0148aj\u00fa V\u0160ETKO, na \u010do m\u00ed\u0148ate peniaze, vr\u00e1tane (okrem in\u00e9ho): \u00fa\u010dty, energie, n\u00fadzov\u00e9 alebo neo\u010dak\u00e1van\u00e9 v\u00fddavky, n\u00e1kupy, jedlo, spomeniete si to. Ak na to miniete peniaze, pova\u017euje sa to za v\u00fddavok. Zah\u0155\u0148a aj va\u0161e p\u00f4\u017ei\u010dky, ak nejak\u00e9 m\u00e1te, ako napr\u00edklad l\u00edzing auta alebo hypot\u00e9ku na v\u00e1\u0161 dom.<\/p>\n\n\n\n<p>Tipy, ako to urobi\u0165, s\u00fa:<\/p>\n\n\n\n<ul><li>70% alebo menej je skuto\u010dn\u00fdm z\u00e1kladom, ktor\u00e9ho sa treba dr\u017ea\u0165. Ak nemus\u00edte \u017ei\u0165 z 70%, nie! \u010c\u00edm menej miniete, t\u00fdm viac m\u00f4\u017eete u\u0161etri\u0165 a investova\u0165 = t\u00fdm lep\u0161\u00ed \u017eivot bude potom pre va\u0161u rodinu. 70% je maximum v\u00e1\u0161ho pr\u00edjmu, ktor\u00fd m\u00f4\u017eete min\u00fa\u0165.<\/li><li>Najprv mus\u00edte vedie\u0165, na \u010do aktu\u00e1lne m\u00ed\u0148ate. Majte preh\u013ead o ka\u017edom cente, ktor\u00fd ste minuli za posledn\u00e9 3 mesiace (\u00e1no, \u010d\u00edtate spr\u00e1vne) a vlo\u017ete ho do tabu\u013eky alebo pou\u017eite aplik\u00e1ciu ako Buddy. Ka\u017ed\u00fd v\u00fddavok, aj ke\u010f je to len 0,50 centov. To je d\u00f4le\u017eit\u00e9, aby ste si \u00faplne zmapovali cel\u00fd model v\u00fddavkov. <\/li><li>Kategorizujte v\u00fddavky, ke\u010f ich sledujete v tabu\u013eke alebo aplik\u00e1cii, aby ste na prv\u00fd poh\u013ead videli, na \u010do m\u00ed\u0148ate svoje peniaze (napr. potraviny, stravovanie, oble\u010denie, \u00fa\u010dty, n\u00e1bytok at\u010f.).<\/li><li>Ur\u010dte s\u00fa\u010det v\u0161etk\u00fdch v\u00fddavkov (za posledn\u00e9 3 mesiace) a vyde\u013ete ho 3, aby ste ur\u010dili re\u00e1lny priemer za mesiac. <\/li><li>Nem\u00e1te kreditn\u00fa kartu ani v\u00fdpisy z \u00fa\u010dtu, preto\u017ee plat\u00edte ve\u013ea v hotovosti? To znamen\u00e1, \u017ee nem\u00e1te presn\u00fd preh\u013ead o v\u0161etk\u00fdch svojich v\u00fddavkoch, tak\u017ee za\u010dnite t\u00fdm, \u017ee budete sledova\u0165 ka\u017ed\u00fd cent, ktor\u00fd miniete po\u010das nasleduj\u00facich 3 mesiacov. <\/li><\/ul>\n\n\n\n<h2>Pravidlo 70\/30: ako pou\u017e\u00edvate druh\u00fd 30%?<\/h2>\n\n\n\n<p>Ke\u010f v\u00e1m bud\u00fa zaplaten\u00e9 dane a zostane v\u00e1m \u010dist\u00fd pr\u00edjem, nau\u010dte sa \u017ei\u0165 pod\u013ea pravidla 70\/30, kde \u017eijete zo 70 percent svojho pr\u00edjmu po zdanen\u00ed. <\/p>\n\n\n\n<p>\u010ealej je d\u00f4le\u017eit\u00e9 pozrie\u0165 sa na to, ako vyu\u017eijete zvy\u0161n\u00fdch 30 percent:<\/p>\n\n\n\n<h3>Charita, dary a charity<\/h3>\n\n\n\n<p>Z 30 percent, ktor\u00e9 sa nemin\u00fa, tretina mus\u00ed \u00eds\u0165 nejakou formou na charitu. Vo v\u0161eobecnosti plat\u00ed pr\u00edstup, \u017ee prispie\u0165 10 percentami z v\u00e1\u0161ho pr\u00edjmu po zdanen\u00ed je dobr\u00e1 suma, na ktor\u00fa sa treba zamera\u0165. Za\u010dnite s t\u00fdmto zvykom skoro, aby sa stal druhou prirodzenos\u0165ou sk\u00f4r, ako v\u00e1m do cesty pr\u00eddu ve\u013ek\u00e9 sumy pe\u0148az\u00ed!<\/p>\n\n\n\n<h3>Kapit\u00e1lov\u00e1 invest\u00edcia<\/h3>\n\n\n\n<p>S \u010fal\u0161\u00edmi 10 percentami v\u00e1\u0161ho pr\u00edjmu po zdanen\u00ed vytvor\u00edte bohatstvo. Ide o peniaze, ktor\u00e9 pou\u017eijete na n\u00e1kup, opravu, v\u00fdrobu alebo predaj. Z\u00e1kladom je obchodova\u0165, aj ke\u010f len na \u010diasto\u010dn\u00fd \u00fav\u00e4zok.<\/p>\n\n\n\n<p>Dus hoe ga je om met het cre\u00ebren van rijkdom? Er zijn veel manieren. Laat je fantasie de vrije loop. Kijk eens goed naar de vaardigheden die je op het werk of door jouw hobby&#8217;s hebt ontwikkeld; je kunt deze wellicht omzetten in een winstgevende onderneming.<\/p>\n\n\n\n<p>Okrem toho sa m\u00f4\u017eete nau\u010di\u0165 nakupova\u0165 produkt ve\u013ekoobchodne a pred\u00e1va\u0165 ho maloobchodn\u00edkovi. Alebo si m\u00f4\u017eete k\u00fapi\u0165 nehnute\u013enos\u0165, vylep\u0161i\u0165 ju a znova ju preda\u0165 alebo prenaja\u0165. <\/p>\n\n\n\n<p>Gebruik deze 10 procent om je apparatuur, producten of aandelen te kopen &#8211; en ga aan de slag. Het is van tevoren niet te zeggen welk genie er in je zit te wachten om gewekt te worden door de vonk van deze kansen!<\/p>\n\n\n\n<h3>Ulo\u017ei\u0165<\/h3>\n\n\n\n<p>Posledn\u00fdch 10 percent treba ulo\u017ei\u0165. Finan\u010dne chudobnej\u0161\u00ed \u013eudia m\u00ed\u0148aj\u00fa svoje peniaze a \u0161etria, \u010do im zostalo. Finan\u010dne bohat\u0161\u00ed \u013eudia \u0161etria svoje peniaze a m\u00ed\u0148aj\u00fa, \u010do im zostane.<\/p>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 je zvykn\u00fa\u0165 si na to, \u017ee m\u00e1te peniaze na svojom bankovom \u00fa\u010dte a nenecha\u0165 sa potom v poku\u0161en\u00ed min\u00fa\u0165. <\/p>\n\n\n\n<p><em>Pred dvadsiatimi rokmi zar\u00e1bali dvaja \u013eudia ka\u017ed\u00fd 1 000 dol\u00e1rov mesa\u010dne a ka\u017ed\u00fd z nich v priebehu rokov zarobil rovnak\u00fd n\u00e1rast. Jeden mal filozofiu m\u00ed\u0148a\u0165 peniaze a \u0161etri\u0165 to, \u010do zostalo; ten druh\u00fd mal filozofiu najprv spori\u0165 a m\u00ed\u0148a\u0165, \u010do zostalo. Keby ste ich oboch poznali, dnes by ste jedn\u00e9ho ozna\u010dili za chudobn\u00e9ho a druh\u00e9ho za bohat\u00e9ho.<\/em><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" width=\"450\" height=\"253\" src=\"https:\/\/codetofreedom.com\/wp-content\/uploads\/2021\/05\/2021-05-11-De-70-30-regel-in-financie\u0308n-over-het-beheren-en-investeren-van-geld-in-artikel.jpg\" alt=\"Pou\u017eite pravidlo 70\/30 a budujte bohatstvo pod\u013ea pr\u00edkladu Jima Rohna (obr.)\" class=\"wp-image-2167\" srcset=\"https:\/\/codetofreedom.com\/wp-content\/uploads\/2021\/05\/2021-05-11-De-70-30-regel-in-financie\u0308n-over-het-beheren-en-investeren-van-geld-in-artikel.jpg 450w, https:\/\/codetofreedom.com\/wp-content\/uploads\/2021\/05\/2021-05-11-De-70-30-regel-in-financie\u0308n-over-het-beheren-en-investeren-van-geld-in-artikel-300x169.jpg 300w, https:\/\/codetofreedom.com\/wp-content\/uploads\/2021\/05\/2021-05-11-De-70-30-regel-in-financie\u0308n-over-het-beheren-en-investeren-van-geld-in-artikel-16x9.jpg 16w, https:\/\/codetofreedom.com\/wp-content\/uploads\/2021\/05\/2021-05-11-De-70-30-regel-in-financie\u0308n-over-het-beheren-en-investeren-van-geld-in-artikel-150x84.jpg 150w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><figcaption><em>Pou\u017eite pravidlo 70\/30 a budujte bohatstvo pod\u013ea pr\u00edkladu <a href=\"https:\/\/en.wikipedia.org\/wiki\/Jim_Rohn\" target=\"_blank\" aria-label=\"Jim Rohn (otvor\u00ed sa na novej karte)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">Jim Rohn<\/a> (<a href=\"https:\/\/quotefancy.com\/quote\/837661\/Jim-Rohn-The-rich-invest-their-money-and-spend-what-is-left-the-poor-spend-their-money\" target=\"_blank\" aria-label=\"obr\u00e1zok (otvor\u00ed sa na novej karte)\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">obr\u00e1zok<\/a>.)<\/em><\/figcaption><\/figure><\/div>\n\n\n\n<p>Pam\u00e4tajte teda, \u017ee d\u00e1vanie, investovanie a <a href=\"\/sk\/tag\/sparen\/\" target=\"_blank\" aria-label=\" (otvor\u00ed sa na novej karte)\" rel=\"noreferrer noopener\" class=\"rank-math-link\">ulo\u017ei\u0165<\/a>, ako ka\u017ed\u00e1 forma discipl\u00edny, m\u00e1 ve\u013emi jemn\u00fd \u00fa\u010dinok. Na konci d\u0148a, t\u00fd\u017ed\u0148a, mesiaca s\u00fa v\u00fdsledky sotva vidite\u013en\u00e9. Ale nech prejde p\u00e4\u0165 rokov a rozdiely sa uk\u00e1\u017eu. Po 10 rokoch s\u00fa rozdiely dramatick\u00e9.<\/p>\n\n\n\n<p>En het begint allemaal met hetzelfde bedrag &#8211; alleen een hele andere gedachte en filosofie.<\/p>\n\n\n\n<p><small class=\"sources\">Zdroje ako KalkineMedia (<a aria-label=\"odkaz (otvor\u00ed sa na novej karte)\" href=\"https:\/\/kalkinemedia.com\/amp\/news\/world-news\/why-do-extra-wealthy-people-never-show-off-the-7030-rule-in-finance-for-spending-on-luxury\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">odkaz<\/a>), Osobn\u00e9 financie (<a aria-label=\"odkaz (otvor\u00ed sa na novej karte)\" href=\"https:\/\/personalfinancegold.com\/what-is-the-70-30-rule\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">odkaz<\/a>), RichTodo (<a aria-label=\"odkaz (otvor\u00ed sa na novej karte)\" href=\"https:\/\/www.richtodo.com\/7030-rule-on-managing-and-investing-money\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">odkaz<\/a>), \u00faspech (<a href=\"https:\/\/www.success.com\/rohn-3-money-habits-that-separate-the-rich-from-the-poor\/\" target=\"_blank\" aria-label=\"odkaz (otvor\u00ed sa na novej karte)\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">odkaz<\/a>), Rovnov\u00e1ha (<a aria-label=\"odkaz (otvor\u00ed sa na novej karte)\" href=\"https:\/\/www.thebalance.com\/top-ten-financial-tips-1289309\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"rank-math-link\">odkaz<\/a>)<\/small><\/p>","protected":false},"excerpt":{"rendered":"<p>Het idee van goed omgaan, het beheren en investeren van geld is om het te laten werken voor nu in het heden, maar juist ook de toekomst. Er zijn veel formules en methodes beschikbaar in allerlei variaties, maar we noemen hier een voorbeeld van een eenvoudige werkwijze voor het opbouwen van vermogen: in het bijzonder [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"tdm_status":"","tdm_grid_status":""},"categories":[64],"tags":[53,41,122,81,65,43,145,104,25,29,66,141,110,171,153,44,67],"_links":{"self":[{"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/posts\/2158"}],"collection":[{"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/comments?post=2158"}],"version-history":[{"count":12,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/posts\/2158\/revisions"}],"predecessor-version":[{"id":2172,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/posts\/2158\/revisions\/2172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/media\/2170"}],"wp:attachment":[{"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/media?parent=2158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/categories?post=2158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/codetofreedom.com\/sk\/wp-json\/wp\/v2\/tags?post=2158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}