[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cokin.sk\/ako-hospodarit-s-peniazmi-a-ako-si-nasporit-pozadovane-mnozstvo-penazi\/#Article","mainEntityOfPage":"https:\/\/www.cokin.sk\/ako-hospodarit-s-peniazmi-a-ako-si-nasporit-pozadovane-mnozstvo-penazi\/","headline":"Ako hospod\u00e1ri\u0165 s peniazmi a ako si naspori\u0165 po\u017eadovan\u00e9 mno\u017estvo pe\u0148az\u00ed","name":"Ako hospod\u00e1ri\u0165 s peniazmi a ako si naspori\u0165 po\u017eadovan\u00e9 mno\u017estvo pe\u0148az\u00ed","description":"Pracova\u0165 s peniazmi sa \u010dlovek u\u010d\u00ed u\u017e od \u00fatleho detstva, pri \u010dom si finan\u010dn\u00e9 vedomosti […]","datePublished":"2017-11-23","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.cokin.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cokin.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ee69a086fc043006d66000ff5e288b6b088fc8fa323128f3849437410a854832?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cokin.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cokin.sk\/wp-content\/uploads\/img_a284634_w16469_t1516743076.jpg","url":"https:\/\/www.cokin.sk\/wp-content\/uploads\/img_a284634_w16469_t1516743076.jpg","height":0,"width":0},"url":"https:\/\/www.cokin.sk\/ako-hospodarit-s-peniazmi-a-ako-si-nasporit-pozadovane-mnozstvo-penazi\/","wordCount":673,"articleBody":" Pracova\u0165 s peniazmi sa \u010dlovek u\u010d\u00ed u\u017e od \u00fatleho detstva, pri \u010dom si finan\u010dn\u00e9 vedomosti odn\u00e1\u0161a a\u017e do man\u017eelsk\u00e9ho \u017eivota. \u010co ale spravi\u0165, ke\u010f partner nie je na takej istej vlne ako Vy?I man\u017eelia sa vo financi\u00e1ch nemusia v\u017edy zhodn\u00fa\u0165 Neraz nast\u00e1va probl\u00e9m, ke\u010f \u201efinan\u010dn\u00e1 gramotnos\u0165\u201c (tzv. \u00farove\u0148 finan\u010dn\u00fdch vedomost\u00ed ako je schopnos\u0165 \u0161etrenia a pr\u00e1ce s peniazmi) nie je tak\u00e1 ist\u00e1 u oboch partnerov. Ve\u013ea kr\u00e1t a\u017e po svadbe si \u010dlovek uvedom\u00ed, \u017ee to v man\u017eelstve \u0161kr\u00edpe a neklape, lebo jeden z partnerov je \u201eutr\u00e1ca\u010d\u201c a ten druh\u00fd na\u0148ho \u0165a\u017eko drie. Nie ka\u017ed\u00fd toti\u017eto m\u00e1 spr\u00e1vne n\u00e1vyky pri utr\u00e1can\u00ed pe\u0148az\u00ed a to m\u00f4\u017ee nesk\u00f4r vy\u00fasti\u0165 do man\u017eelsk\u00fdch probl\u00e9mov, i ke\u010f si v ostatn\u00fdch veciach partneri ve\u013emi rozumej\u00fa.Oddelene alebo spolu?Ot\u00e1zka, \u010di maj\u00fa by\u0165 financie v dom\u00e1cnosti bran\u00e9 spolu a \u010di oddelene je ve\u013emi problematick\u00e1 ot\u00e1zka. Najide\u00e1lnej\u0161ie je urobi\u0165 kompromis. Toti\u017eto, ak si partneri svoje financie delia na \u201emoje\u201c a \u201etvoje\u201c, vytv\u00e1raj\u00fa si pred sebou i ur\u010dit\u00fa bari\u00e9ru. Otv\u00e1ra sa taktie\u017e priestor k r\u00f4znym nezhod\u00e1m a \u017eiarlivosti, hlavne, ak jeden z partnerov zar\u00e1ba viac ako ten druh\u00fd. Tie\u017e je tu na mieste ot\u00e1zka, kto z nich bude plati\u0165 \u00fa\u010dty. Ak to bude len jeden z partnerov, m\u00f4\u017ee to toho partnera omrzie\u0165 a nastan\u00fa \u010fal\u0161ie probl\u00e9my. Ak m\u00e1te financie h\u00e1dzan\u00e9 do jednej k\u00f4pky \u2013 tie\u017e nie ste za vodou. I tu m\u00f4\u017eu vznikn\u00fa\u0165 nezhody v podobe toho, \u017ee partneri maj\u00fa v\u00e4\u010d\u0161inou rozdielne predstavy o tom, ako by sa malo so zaroben\u00fdmi peniazmi naklada\u0165.Ako si na\u0161pori\u0165 s partnerom peniaze? Ako sme u\u017e na\u010drtli, treba vytvori\u0165 ak\u00e9hosi hybrida medzi spolo\u010dn\u00fdm a oddelen\u00fdm. Najlep\u0161ie je spravi\u0165 na za\u010diatok percentu\u00e1lny prepo\u010det pe\u0148az\u00ed \u2013 to je dobr\u00e9 na to, \u017ee je viac ako pravdepodobn\u00e9, \u017ee s partnerom nem\u00e1te rovnak\u00fd pr\u00edjem a tak sa pred\u00edde tomu, aby sa jeden z partnerov c\u00edtil dotknut\u00fd. Spo\u010d\u00edtajte v\u00fddavky za n\u00e1jom, elektrinu, vodu, potraviny, p\u00f4\u017ei\u010dku at\u010f. \u2013 \u010di\u017ee v\u0161etko, \u010do u\u017e\u00edvate spolo\u010dne s partnerom rovnakou mierou Tieto v\u00fddavky budete plati\u0165 spolo\u010dne \u2013 no v prepo\u010dte na percent\u00e1. Nebolo by spravodliv\u00e9 ak by va\u0161e v\u00fddavky tvorili napr. 400 eur, pri \u010dom by jeden z partnerov zar\u00e1bal 1000 eur a druh\u00fd len 200 eur. Jeden z partnerov si pri tom m\u00f4\u017ee v pohode vyhodi\u0165 z kop\u00fdtka a ten druh\u00fd bude ma\u0165 vy\u010d\u00edtan\u00e9, \u017ee nesplnil limity Ostatn\u00e9 peniaze, \u010do nespadaj\u00fa k \u017eivotne d\u00f4le\u017eit\u00fdm v\u00fddavkom, si partneri e\u0161te rozdelia na d\u00f4le\u017eit\u00e9 polo\u017eky a na polo\u017eky pre osobn\u00fd konzum K d\u00f4le\u017eit\u00fdm v\u00fddavkom patria nepredv\u00eddate\u013en\u00e9 v\u00fddavky, ktor\u00e9 s\u00fa ale d\u00f4le\u017eit\u00e9 a tak by si partneri mali pri nich pom\u00e1ha\u0165. Je to napr\u00edklad situ\u00e1cia, ke\u010f sa pokaz\u00ed auto, alebo treba jednor\u00e1zovo nie\u010do zaplati\u0165. Tu obaja partneri siahnu spolo\u010dne do pe\u0148az\u00ed ozna\u010den\u00fdch \u201ed\u00f4le\u017eit\u00e9 polo\u017eky\u201c \u201epolo\u017eky pre osobn\u00fd konzum\u201c s\u00fa polo\u017eky, do ktor\u00fdch druh\u00fd partner nem\u00e1 \u010do keca\u0165. Ka\u017ed\u00fd \u010dlovek je in\u00fd a na svoj \u0161\u0165astn\u00fd \u017eivot potrebuje in\u00e9 veci. Treba partnerovi dovoli\u0165, aby mal svoje vlastn\u00e9 peniaze, ktor\u00e9 m\u00f4\u017ee utrati\u0165 na \u010do chce. V\u010faka t\u00fdmto z\u00e1sad\u00e1m potom pred\u00eddete frustr\u00e1cii a ur\u010dite to pom\u00f4\u017ee V\u00e1\u0161mu vz\u0165ahuNa to, aby ste s partnerom nie\u010do na\u0161porili, potrebujete vz\u00e1jomn\u00fa dohodu \u2013 dohodnite sa na presn\u00fdch pravidl\u00e1ch, ko\u013eko percent pr\u00edjmu mus\u00edte odlo\u017ei\u0165 na va\u0161e \u0161porenie \u2013 v\u010faka tomu si \u013eahko na\u0161por\u00edte po\u017eadovan\u00e9 mno\u017estvo pe\u0148az\u00ed a pred\u00eddete h\u00e1dkam.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako hospod\u00e1ri\u0165 s peniazmi a ako si naspori\u0165 po\u017eadovan\u00e9 mno\u017estvo pe\u0148az\u00ed","item":"https:\/\/www.cokin.sk\/ako-hospodarit-s-peniazmi-a-ako-si-nasporit-pozadovane-mnozstvo-penazi\/#breadcrumbitem"}]}]