[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.avisat.cz\/financni-rezervy\/#Article","mainEntityOfPage":"https:\/\/www.avisat.cz\/financni-rezervy\/","headline":"Finan\u010dn\u00ed rezervy?","name":"Finan\u010dn\u00ed rezervy?","description":"Podle doporu\u010den\u00ed odborn\u00edk\u016f by lid\u00e9 m\u011bli m\u00edt stranou naspo\u0159eno pro nenad\u00e1l\u00fd v\u00fdpadek p\u0159\u00edjmu zhruba \u0161estin\u00e1sobek m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Finan\u010dn\u00ed rezervy, kter\u00e9 pokryj\u00ed nutn\u00e9 v\u00fddaje na p\u016fl <a href=\"https:\/\/www.avisat.cz\/financni-rezervy\/\" class=\"read-more\">Continue Reading<i class=\"ion-ios-arrow-right read-more-right\"><\/i><\/a>","datePublished":"2020-09-24","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.avisat.cz\/author\/#Person","name":"","url":"https:\/\/www.avisat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"avisat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.avisat.cz\/wp-content\/uploads\/img_a339579_w2692_t1552753161.jpg","url":"https:\/\/www.avisat.cz\/wp-content\/uploads\/img_a339579_w2692_t1552753161.jpg","height":0,"width":0},"url":"https:\/\/www.avisat.cz\/financni-rezervy\/","about":["Pen\u00edze"],"wordCount":450,"articleBody":"Podle doporu\u010den\u00ed odborn\u00edk\u016f by lid\u00e9 m\u011bli m\u00edt stranou naspo\u0159eno pro nenad\u00e1l\u00fd v\u00fdpadek p\u0159\u00edjmu zhruba \u0161estin\u00e1sobek m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Finan\u010dn\u00ed rezervy, kter\u00e9 pokryj\u00ed nutn\u00e9 v\u00fddaje na p\u016fl roku, by v\u00e1m tak m\u011bly usnadnit \u017eivot p\u0159i ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed a hled\u00e1n\u00ed nov\u00e9 pr\u00e1ce, p\u0159i v\u00e1\u017en\u011bj\u0161\u00edm onemocn\u011bn\u00ed nebo \u00farazu. M\u00e1te-li d\u011bti, pokud se i ty nane\u0161t\u011bst\u00ed potkaj\u00ed s \u00farazem, znamen\u00e1 p\u00e9\u010de o n\u011b krom\u011b starost\u00ed, kter\u00e9 jsou s t\u00edm spojen\u00e9, je\u0161t\u011b sn\u00ed\u017een\u00ed p\u0159\u00edjmu pe\u010duj\u00edc\u00ed osoby. Pro n\u011bkoho m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9 postarat se o sv\u00e9 nemocn\u00e9 rodi\u010de. Samoz\u0159ejm\u011b v\u00e1m finance v z\u00e1loze usnadn\u00ed tak\u00e9 situaci, kdy\u017e p\u0159estanou fungovat spot\u0159ebi\u010de, kotel nebo m\u00e1te pot\u00ed\u017ee se star\u0161\u00edm autem. A jak\u00e1 je realita?&nbsp;Podle \u010cesk\u00e9 bankovn\u00ed asociace, kter\u00e1 u\u017e v roce 2017 provedla dotazov\u00e1n\u00ed mezi ve\u0159ejnost\u00ed, na finan\u010dn\u00ed rezervy \u010ce\u0161i moc nemysl\u00ed, resp. jen 13 % osloven\u00fdch by ze sv\u00fdch \u00faspor vy\u017eila je\u0161t\u011b p\u016fl roku. Trend ukazuje, \u017ee lid\u00e9 mysl\u00ed na finan\u010dn\u00ed z\u00e1lohu st\u00e1le m\u00e9n\u011b, a to i v \u010dase, kdy se ekonomice da\u0159\u00ed a vysok\u00e1 nezam\u011bstnanost nepat\u0159\u00ed k probl\u00e9m\u016fm doby. Necel\u00e1 p\u011btina dot\u00e1zan\u00fdch by zvl\u00e1dla vykr\u00fdt nezbytn\u00e9 finan\u010dn\u00ed n\u00e1roky na dobu 3 m\u011bs\u00edc\u016f.&nbsp;\u010ce\u0161i se o finan\u010dn\u00ed z\u00e1lohu p\u0159\u00edli\u0161 nezaj\u00edmaj\u00ed, alespo\u0148 takov\u00fd dojem d\u011blaj\u00ed i dal\u0161\u00ed v\u00fdsledky v\u00fdzkumu. Zhruba t\u0159etina dot\u00e1zan\u00fdch toti\u017e v\u016fbec nev\u00ed, jak dlouho by s financemi vysta\u010dila. To ukazuje p\u0159edev\u0161\u00edm na podce\u0148ov\u00e1n\u00ed nenad\u00e1l\u00fdch situac\u00ed, kter\u00e9 k v\u00fdpadku p\u0159\u00edjmu vedou. Spol\u00e9hat na to, \u017ee krizov\u00e1 situace nenastane nebo se &bdquo;n\u011bjak vy\u0159e\u0161\u00ed&ldquo; je mo\u017en\u00e9, ale obzvl\u00e1\u0161\u0165 v tomto p\u0159\u00edpad\u011b plat\u00ed, \u017ee &bdquo;\u0161t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm&ldquo;.&nbsp;V\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed \u00faspory si podle v\u00fdzkumu lid\u00e9 p\u0159edstavuj\u00ed ide\u00e1ln\u011b v \u0159\u00e1du n\u011bkolika tis\u00edc\u016f. Dotazovan\u00ed ve v\u011bku 30 a\u017e 44 let uv\u00e1d\u011bli \u010d\u00e1stku v pr\u016fm\u011bru necel\u00fdch 3.700 korun. P\u0159itom nezbytn\u00e9 \u017eivotn\u00ed n\u00e1klady na 6 m\u011bs\u00edc\u016f odhadovali na tak\u0159ka 75 tis\u00edc korun, tedy spo\u0159it by m\u011bli 21 m\u011bs\u00edc\u016f. Pokud tedy je\u0161t\u011b nespo\u0159\u00edte, pak pro za\u010d\u00e1tek v\u00e1m sta\u010d\u00ed odkl\u00e1dat stranou i mal\u00e9 \u010d\u00e1stky. D\u016fle\u017eit\u00e9 je za\u010d\u00edt a nem\u00e9n\u011b d\u016fle\u017eit\u00e9 je i vytrvat.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed rezervy?","item":"https:\/\/www.avisat.cz\/financni-rezervy\/#breadcrumbitem"}]}]