{"id":9069,"date":"2020-03-23T09:38:38","date_gmt":"2020-03-23T08:38:38","guid":{"rendered":"https:\/\/www.trader-magazine.com\/?p=9069"},"modified":"2020-03-23T15:01:09","modified_gmt":"2020-03-23T14:01:09","slug":"9069","status":"publish","type":"post","link":"https:\/\/trader-magazine.com\/cs\/novinky\/9069\/","title":{"rendered":"5 strategi\u00ed, jak se p\u0159ipravit na hospod\u00e1\u0159skou krizi"},"content":{"rendered":"

V souvislosti s prob\u00edhaj\u00edc\u00ed koronavirovou pandemi\u00ed se \u010d\u00edm d\u00e1l, t\u00edm \u010dast\u011bji mluv\u00ed o po\u010d\u00e1tku hospod\u00e1\u0159sk\u00e9 krize. Jestli je pandemie onou „\u010dernou labut\u00ed“, kter\u00e1 krizi spust\u00ed je\u0161t\u011b nev\u00edme. Nicm\u00e9n\u011b \u0161t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm a proto p\u0159in\u00e1\u0161\u00edme p\u011bt strategi\u00ed, jak p\u0159e\u017e\u00edt krizi s co nejmen\u0161\u00edmi n\u00e1sledky.<\/p>\n

1. Pokuste se co nejv\u00edce sn\u00ed\u017eit sv\u016fj dluh<\/strong><\/h3>\n

Toto je z\u00e1sadn\u00ed krok. S dluhy toti\u017e ztr\u00e1c\u00edte finan\u010dn\u00ed svobodu. Dluh znamen\u00e1, \u017ee jste z\u00e1visl\u00ed na va\u0161ich v\u011b\u0159itel\u00edch. Sna\u017ete se proto co nejv\u00edce sn\u00ed\u017eit va\u0161e dluhy. M\u00e1te-li ka\u017ed\u00fd m\u011bs\u00edc vysokou spl\u00e1tku hypot\u00e9ky, spot\u0159ebitelsk\u00e9ho \u00fav\u011bru \u010di kreditu na kreditn\u00ed kart\u011b a pak n\u00e1hle ztrat\u00edte pr\u00e1ci, rychle se dostanete do probl\u00e9mu. Riskujete pak ztr\u00e1tu va\u0161eho domu, auta \u010di jin\u00e9ho statku, kter\u00fdm za \u00fav\u011br ru\u010d\u00edte. Pokud \u017e\u00e1dn\u00e9 dluhy nem\u00e1te a ztrat\u00edte pr\u00e1ci, va\u0161\u00ed jedinou starost\u00ed bude naj\u00edt si pr\u00e1ci novou. Nebudete muset \u0159e\u0161it spl\u00e1tky, v\u00a0hor\u0161\u00edm p\u0159\u00edpad\u011b exekuce a ztr\u00e1tu domova \u010di auta. Bez dluh\u016f m\u016f\u017eete finan\u010dn\u00ed krizi zvl\u00e1dnout mnohem snadn\u011bji.<\/p>\n

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2. Nau\u010dte se \u017e\u00edt bez kreditn\u00ed karty<\/strong><\/h3>\n

Pro n\u011bkoho to m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9. Pokud je v\u00e1m pod \u010dty\u0159icet, pravd\u011bpodobn\u011b kreditn\u00ed kartu b\u011b\u017en\u011b vyu\u017e\u00edv\u00e1te. Moci si koupit cokoliv, na si vzpomenete, a zaplatit kreditn\u00ed kartou je p\u0159ece tak cool. Zkuste si ale promluvit si se sv\u00fdmi rodi\u010di nebo prarodi\u010di a zeptejte se jich, jestli, kdy\u017e byli mlad\u00ed, m\u011bli kreditn\u00ed kartu. Pravd\u011bpodobn\u011b v\u00e1m \u0159eknou, \u017ee ne. Platili hotovost\u00ed za v\u0161echno. To znamenalo, \u017ee nem\u011bli nov\u00e9 auto ka\u017ed\u00e9 t\u0159i roky a bydleli skromn\u011b, ale tak\u00e9 nem\u011bli \u017e\u00e1dn\u00e9 dluhy. \u017d\u00edt bez kreditu znamen\u00e1 vytvo\u0159it si rozpo\u010det a napl\u00e1novat, co pot\u0159ebujete koupit. A pak na to u\u0161et\u0159it pen\u00edze. Je to mo\u017en\u00e1 drastick\u00e1 zm\u011bna pro ty z n\u00e1s, kte\u0159\u00ed jsou zvykl\u00ed nakupovat hned a platit pozd\u011bji, ale \u00faspory v\u00a0platb\u00e1ch \u00farok\u016f stoj\u00ed z dlouhodob\u00e9ho hlediska za to.<\/p>\n

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3. Zbavte se nepot\u0159ebn\u00e9ho<\/strong><\/h3>\n

Zva\u017ete, co v\u0161echno opravdu pot\u0159ebujete. Za\u010dn\u011bme bydlen\u00edm. Kupujete d\u016fm nebo byt na hypot\u00e9ku? Pokud koup\u00edte men\u0161\u00ed, bude samoz\u0159ejm\u011b levn\u011bj\u0161\u00ed. A nejen to. Znamen\u00e1 to tak\u00e9 m\u00e9n\u011b m\u00edstnost\u00ed k vybaven\u00ed, ni\u017e\u0161\u00ed n\u00e1klady na energie. To v\u0161e v\u00e1m u\u0161et\u0159\u00ed pen\u00edze a usnadn\u00ed \u017eivot. A plat\u00ed to i o podn\u00e1jmech. Zamyslete se nad ka\u017edou korunou, kterou utrat\u00edte a zeptejte se sami sebe: \u201eOpravdu to pot\u0159ebuji?\u201c Opravdu mus\u00edm platit kabelovou televizi v premium programu s 500 kan\u00e1ly, kter\u00e9 stejn\u011b nikdy nestihnu sledovat? Nebo by sta\u010dila z\u00e1kladn\u00ed nab\u00eddka? Pot\u0159ebuji nov\u00e9 auto ka\u017ed\u00e9 t\u0159i roky, nebo mi stejn\u011b dob\u0159e poslou\u017e\u00ed zachoval\u00e1 ojetina? A pot\u0159ebuji v\u016fbec auto? Kolik pen\u011bz bych mohl u\u0161et\u0159it ve\u0159ejnou dopravou, ch\u016fz\u00ed, j\u00edzdou na kole a jen p\u016fj\u010den\u00edm auta? Mus\u00edm se nutn\u011b stravovat v restauraci nebo m\u016f\u017eu u\u0161et\u0159it pen\u00edze a l\u00e9pe j\u00edst p\u0159\u00edpravou j\u00eddla doma? Zkuste se nad t\u011bmito ot\u00e1zkami zamyslet. Rozhodn\u011b t\u00edm nechceme \u0159\u00edci, abyste se stali poustevn\u00edky. Ani netvrd\u00edme, \u017ee \u00fav\u011br mus\u00ed b\u00fdt v\u017edy \u0161patn\u00fd. Pokud se v\u0161ak dok\u00e1\u017eeme nau\u010dit \u017e\u00edt skromn\u011bji, nemus\u00edme se v\u016fbec zadlu\u017eovat.<\/p>\n

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4. Za\u010dn\u011bte pracovat na sv\u00e9m pl\u00e1nu B<\/strong><\/h3>\n

B\u011bhem krize se m\u016f\u017ee st\u00e1t, \u017ee se v\u00e1m sn\u00ed\u017e\u00ed pracovn\u00ed \u00favazek nebo dokonce p\u0159ijdete o pr\u00e1ci \u00fapln\u011b. Nebudete moci spl\u00e1cet \u00fav\u011bry ani prodat d\u016fm za \u010d\u00e1stku vy\u0161\u0161\u00ed ne\u017e je hypot\u00e9ka. I kdy\u017e to nejsou p\u0159\u00edjemn\u00e9 p\u0159edstavy, je d\u016fle\u017eit\u00e9 o nich p\u0159em\u00fd\u0161let a za\u010d\u00edt vytv\u00e1\u0159et \u201epl\u00e1n B\u201c. Co budete d\u011blat, pokud b\u011bhem krize p\u0159ijdete o pr\u00e1ci? V\u017edy m\u011bjte p\u0159ipraven\u00fd aktu\u00e1ln\u00ed \u017eivotopis a bu\u010fte ve st\u0159ehu. P\u0159\u00edle\u017eitost m\u016f\u017ee p\u0159ij\u00edt jako blesk z\u00a0\u010dist\u00e9ho nebe. Ale to neznamen\u00e1, \u017ee na ni budete \u010dekat se zalo\u017een\u00fdma rukama. Jd\u011bte j\u00ed naproti. Zva\u017ete tak\u00e9 mo\u017enost vlastn\u00edho podnik\u00e1n\u00ed. Zpo\u010d\u00e1tku t\u0159eba jen na \u010d\u00e1ste\u010dn\u00fd \u00favazek. Jak\u00e9 m\u00e1te kon\u00ed\u010dky? Nemohla by za n\u011bkter\u00fdm z\u00a0nich st\u00e1t obchodn\u00ed p\u0159\u00edle\u017eitost? By\u0165 jen jako vedlej\u0161\u00ed p\u0159\u00edjem? Zajist\u011bte si zdroj pasivn\u00edho p\u0159\u00edjmu. V\u00a0dne\u0161n\u00ed dob\u011b m\u00e1te mnoho p\u0159\u00edle\u017eitost\u00ed, jak z\u00edskat pasivn\u00ed p\u0159\u00edjem. A\u0165 u\u017e jsou to P2P p\u016fj\u010dky, vlastn\u00ed youtube kan\u00e1l (a nemus\u00edte b\u00fdt zrovna youtuber) nebo t\u0159eba r\u016fzn\u00e9 affiliate programy. Pokud ztrat\u00edte sv\u00e9 prim\u00e1rn\u00ed zam\u011bstn\u00e1n\u00ed, budete m\u00edt alespo\u0148 n\u011bjak\u00fd p\u0159\u00edjem.<\/p>\n

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5. Sni\u017eujte sv\u00e9 v\u00fddaje<\/strong><\/h3>\n

V \u017eivot\u011b nast\u00e1vaj\u00ed situace, kter\u00e9 v\u00e1s donut\u00ed sn\u00ed\u017eit sv\u00e9 \u017eivotn\u00ed n\u00e1klady. A\u0165 u\u017e je to ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, rozpad man\u017eelstv\u00ed nebo v hor\u0161\u00edm p\u0159\u00edpad\u011b zdravotn\u00ed probl\u00e9my. Ne\u010dekejte, a\u017e budete muset. Sni\u017ete sv\u00e9 \u017eivotn\u00ed n\u00e1klady u\u017e nyn\u00ed. Nezanedbateln\u00fdm v\u00fddajem ka\u017ed\u00e9 dom\u00e1cnosti jsou platby za energie. \u00dasporn\u00e9 \u017e\u00e1rovky, izolace oken, sprcha m\u00edsto vany. To je jen p\u00e1r p\u0159\u00edklad\u016f, jak se d\u00e1 u\u0161et\u0159it. Dalo by se jich ur\u010dit\u011b naj\u00edt mnohem v\u00edce, ale o tom nen\u00ed tento \u010dl\u00e1nek. Jde o to, \u017ee mnoho mal\u00fdch \u00fasporn\u00fdch opat\u0159en\u00ed d\u00e1 v\u00a0sou\u010dtu pom\u011brn\u011b slu\u0161nou \u010d\u00e1stku v\u00a0\u0159\u00e1du n\u011bkolika stovek m\u011bs\u00ed\u010dn\u011b, kter\u00e9 m\u016f\u017eete reinvestovat. Sn\u00ed\u017eit v\u00fddaje lze tak\u00e9 p\u0159i b\u011b\u017en\u00e9m n\u00e1kupu potravin. Ur\u010dit\u011b se v\u00e1m n\u011bkdy stalo, \u017ee jste n\u011bjak\u00e9 vyhodili, proto\u017ee jste je nesta\u010dili spot\u0159ebovat. Aby se v\u00e1m to nest\u00e1valo, je dobr\u00e9 n\u00e1kup napl\u00e1novat, napsat si seznam a nakoupit tak, aby se nic nemuselo vyhazovat. Sni\u017eovat sv\u00e9 v\u00fddaje nen\u00ed tak t\u011b\u017ek\u00e9, jak se m\u016f\u017ee st\u00e1t. Sta\u010d\u00ed se nad ka\u017ed\u00fdm v\u00fddajem zamyslet a zp\u016fsob se v\u017edy najde.<\/p>\n","protected":false},"excerpt":{"rendered":"

V souvislosti s prob\u00edhaj\u00edc\u00ed koronavirovou pandemi\u00ed se \u010d\u00edm d\u00e1l, t\u00edm \u010dast\u011bji mluv\u00ed o po\u010d\u00e1tku hospod\u00e1\u0159sk\u00e9 krize. Jestli je pandemie onou „\u010dernou labut\u00ed“, kter\u00e1 krizi spust\u00ed je\u0161t\u011b nev\u00edme. Nicm\u00e9n\u011b \u0161t\u011bst\u00ed p\u0159eje p\u0159ipraven\u00fdm a proto p\u0159in\u00e1\u0161\u00edme p\u011bt strategi\u00ed, jak p\u0159e\u017e\u00edt krizi s co nejmen\u0161\u00edmi n\u00e1sledky. 1. Pokuste se co nejv\u00edce sn\u00ed\u017eit sv\u016fj dluh Toto je z\u00e1sadn\u00ed krok. […]<\/p>\n","protected":false},"author":44,"featured_media":5601,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[248],"tags":[],"class_list":{"0":"post-9069","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-novinky"},"aioseo_notices":[],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t