{"id":168940,"date":"2026-08-05T06:46:11","date_gmt":"2026-08-05T06:46:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/168940\/"},"modified":"2026-08-05T06:46:11","modified_gmt":"2026-08-05T06:46:11","slug":"rodinne-finance-jak-detem-zaridit-dobry-start","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/168940\/","title":{"rendered":"Rodinn\u00e9 finance: Jak d\u011btem za\u0159\u00eddit dobr\u00fd start?"},"content":{"rendered":"

D\u011bkujeme, \u017ee jste ochotni sv\u011b\u0159it n\u00e1m sv\u00e9 hospoda\u0159en\u00ed a\u00a0popsat, jak jako rodina vych\u00e1z\u00edte s\u00a0p\u0159\u00edjmy. Chcete se tak\u00e9 p\u0159idat? Popis finan\u010dn\u00ed situace a\u00a0vypln\u011bn\u00fd dotazn\u00edk pos\u00edlejte na adresu redakce.prozeny@firma.seznam.cz<\/a>. V\u0161e z\u016fst\u00e1v\u00e1 zcela anonymn\u00ed.<\/p>\n

Projekt Mluvte o\u00a0pen\u011bz\u00edch! na Pro\u017eeny.cz<\/p>\n

Seri\u00e1l pro \u017eeny o\u00a0financ\u00edch. Na str\u00e1nk\u00e1ch Pro\u017eeny.cz<\/a> se v\u00a0projektu Mluvte o\u00a0pen\u011bz\u00edch!<\/a> dlouhodob\u011b zab\u00fdv\u00e1me hospoda\u0159en\u00edm \u010desk\u00fdch rodin a\u00a0v podcastu i\u00a0\u010dl\u00e1nc\u00edch konzultujeme se zku\u0161en\u00fdmi odborn\u00edky r\u016fzn\u00e1 finan\u010dn\u00ed t\u00e9mata, kter\u00e1 se t\u00fdkaj\u00ed b\u011b\u017en\u00fdch dom\u00e1c\u00edch rozpo\u010dt\u016f (\u00faspory v\u00a0dom\u00e1cnosti, spo\u0159en\u00ed na d\u016fchod, tvorba pen\u011b\u017en\u00ed rezervy, drobn\u00e9 investice, d\u011blen\u00ed majetku p\u0159i rozvodu\u2026). <\/p>\n

Domov jsme si postupn\u011b vybudovali sami <\/p>\n

Tamara (39) pracuje na obecn\u00edm \u00fa\u0159ad\u011b a\u00a0bere kolem 30\u00a0tis\u00edc korun \u010dist\u00e9ho. Jej\u00ed man\u017eel Ivo\u0161 (39) je instruktor v\u00a0auto\u0161kole a\u00a0jeho p\u0159\u00edjem se pohybuje kolem 52\u00a0tis\u00edc korun podle toho, kolik m\u00e1 j\u00edzd a\u00a0kurz\u016f.<\/p>\n

Bydl\u00ed ve vlastn\u00edm domku na kraji okresn\u00edho m\u011bsta. Za posledn\u00edch deset let ho kompletn\u011b zrekonstruovali<\/a>: nov\u00e1 st\u0159echa, sol\u00e1rn\u00ed panely, tepeln\u00e9 \u010derpadlo. Pen\u00edze z\u00edskali z\u00a0prodeje domu po Tama\u0159in\u00fdch rodi\u010d\u00edch, kte\u0159\u00ed se rozhodli odej\u00edt do domova pro seniory. \u201eBylo to t\u011b\u017ek\u00e9 rozhodnut\u00ed, ale cht\u011bli m\u00edt jistotu odborn\u00e9 p\u00e9\u010de. Sice jsme za nimi se sestrou jezdily, ale j\u00e1 to m\u00e1m sto kilometr\u016f a\u00a0sestra je\u0161t\u011b d\u00e1l, tak to ne\u0161lo tak \u010dasto, jak by pot\u0159ebovali. Ale na\u0161li jsme kr\u00e1sn\u00e9 a\u00a0klidn\u00e9 m\u00edsto, kde jsou spokojeni,\u201c \u0159\u00edk\u00e1 Tamara.<\/p>\n

V dom\u011b, kde bydl\u00ed, jsou m\u011bs\u00ed\u010dn\u00ed n\u00e1klady na bydlen\u00ed do dvan\u00e1cti tis\u00edc, a\u00a0to v\u010detn\u011b energi\u00ed, poji\u0161t\u011bn\u00ed domu i\u00a0dom\u00e1cnosti, vody a\u00a0popelnic. <\/p>\n

D\u011btem chceme dop\u0159\u00e1t dobr\u00e9 vzd\u011bl\u00e1n\u00ed i\u00a0vy\u017eit\u00ed<\/p>\n

Rodina m\u00e1 dva syny, osmilet\u00e9ho a\u00a0desetilet\u00e9ho. Oba chod\u00ed na z\u00e1kladn\u00ed \u0161kolu kousek od domova a\u00a0sportuj\u00ed. Krou\u017eky a\u00a0sportovn\u00ed aktivity stoj\u00ed m\u011bs\u00ed\u010dn\u011b kolem 1\u00a0800\u00a0korun, j\u00eddlo a\u00a0n\u011bjak\u00e9 mali\u010dkosti do \u0161koly vyjdou asi na patn\u00e1ct set, za internet a\u00a0telefony (v\u010detn\u011b televize) d\u00e1 rodina zhruba jeden\u00e1ct stovek.<\/p>\n

Synov\u00e9 chod\u00ed je\u0161t\u011b na soukrom\u00e9 lekce angli\u010dtiny, co\u017e vyjde na t\u0159i tis\u00edce\u00a0korun m\u011bs\u00ed\u010dn\u011b. \u201eJe to investice do budoucnosti. Chceme, aby m\u011bli jednou co nejv\u00edc mo\u017enost\u00ed, t\u0159eba i\u00a0na studium v\u00a0zahrani\u010d\u00ed. I\u00a0proto od narozen\u00ed ka\u017ed\u00e9mu z\u00a0nich ukl\u00e1d\u00e1me minim\u00e1ln\u011b tis\u00edcovku na spo\u0159ic\u00ed \u00fa\u010det a\u00a0babi\u010dka s\u00a0d\u011bdou jim tam vlo\u017eili pades\u00e1t tis\u00edc tak\u00e9 jako p\u0159\u00edsp\u011bvek na studium nebo bydlen\u00ed, to u\u017e si pak mus\u00ed rozmyslet sami.\u201c<\/p>\n

B\u011b\u017en\u00e9 v\u00fddaje dr\u017e\u00edme na rozumn\u00e9 v\u00fd\u0161i<\/p>\n

Rodina vlastn\u00ed auto, za kter\u00e9 plat\u00ed 1\u00a0300\u00a0korun m\u011bs\u00ed\u010dn\u011b za poji\u0161t\u011bn\u00ed. Palivo vyjde podle toho, jak jezd\u00ed, ale v\u011bt\u0161inou se vejdou do \u010d\u00e1stky mezi 2\u00a0500\u00a0a\u017e 4\u00a0000\u00a0K\u010d. Oba rodi\u010de maj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, dohromady za n\u011bj plat\u00ed 2\u00a0900\u00a0korun. Na d\u016fchod si spo\u0159\u00ed ka\u017ed\u00fd patn\u00e1ct set.<\/p>\n

Tamara r\u00e1da va\u0159\u00ed a\u00a0pe\u010de a\u00a0d\u00edky n\u00e1kup\u016fm ve slev\u00e1ch a\u00a0vyu\u017eit\u00edm surovin koupen\u00fdch na trz\u00edch dost u\u0161et\u0159\u00ed, tak\u017ee za potraviny utrat\u00ed do t\u0159in\u00e1cti tis\u00edc. Do restaurac\u00ed a\u00a0na kaf\u00ed\u010dko<\/a> chod\u00ed jen v\u00fdjime\u010dn\u011b, ob\u010das tak\u00e9 v\u0161ichni za kulturou. <\/p>\n

V\u011bt\u0161\u00ed polo\u017eku p\u0159edstavuje vybaven\u00ed na sporty, kter\u00e9 rodina provozuje. Kluci hraj\u00ed r\u00e1di fotbal, chod\u00ed na volejbal, rodi\u010de jezd\u00ed na kole a\u00a0v\u0161ichni r\u00e1di ly\u017euj\u00ed. Kdy\u017e se to rozpo\u010d\u00edt\u00e1, tak za m\u011bs\u00edc utrat\u00ed jist\u011b dva tis\u00edce za sportovn\u00ed oble\u010den\u00ed, boty a\u00a0dal\u0161\u00ed pot\u0159eby. K\u00a0tomu je t\u0159eba p\u0159ipo\u010d\u00edst je\u0161t\u011b pen\u00edze na cestov\u00e1n\u00ed do zahrani\u010d\u00ed o\u00a0dovolen\u00e9. \u201eJe to na\u0161e spole\u010dn\u00e1 radost. Chceme d\u011btem uk\u00e1zat sv\u011bt,\u201c \u0159\u00edk\u00e1 Tamara.<\/p>\n

Tamara chod\u00ed ka\u017ed\u00fd m\u011bs\u00edc ke kade\u0159nici, co\u017e vyjde na zhruba tis\u00edcovku, Ivo\u0161 d\u00e1 podobnou \u010d\u00e1stku za sv\u00e9 kon\u00ed\u010dky. Kolem patn\u00e1cti set vydaj\u00ed za drogerii, pot\u0159eby do dom\u00e1cnosti a\u00a0dal\u0161\u00ed drobnosti. Maj\u00ed dv\u011b ko\u010dky a\u00a0psa, tak\u017ee zhruba dvan\u00e1ct set jde na krmivo.<\/p>\n

Pamatujeme i\u00a0na rezervu, ale hlavn\u011b na budoucnost d\u011bt\u00ed<\/p>\n

Rodina m\u00e1 finan\u010dn\u00ed rezervu kolem 650\u00a0tis\u00edc korun. Zhruba 200\u00a0tis\u00edc by r\u00e1di investovali do p\u0159estavby samostatn\u011b stoj\u00edc\u00ed gar\u00e1\u017ee, kdy by cht\u011bl m\u00edt Ivo\u0161 jednou d\u00edlnu a\u00a0malou kancel\u00e1\u0159, proto\u017ee p\u0159em\u00fd\u0161l\u00ed, jestli se neosamostatnit<\/a>. Ale zat\u00edm je to jen pl\u00e1n. <\/p>\n

Oba se shoduj\u00ed, \u017ee by r\u00e1di ud\u011blali maximum, aby ka\u017ed\u00e9mu synovi jednou pomohli minim\u00e1ln\u011b 200\u00a0000\u00a0K\u010d jako vkladem bu\u010f na studium, nebo jako z\u00e1klad pro jejich bydlen\u00ed. R\u00e1di by jim tyto pen\u00edze p\u0159evedli k\u00a0osmn\u00e1ctin\u00e1m, tak\u017ee by klidn\u011b spo\u0159ili a\u00a0vhodn\u011b investovali, ale boj\u00ed se, aby za ty roky o\u00a0pen\u00edze sp\u00ed\u0161 nep\u0159i\u0161li, proto\u017ee se ve sv\u011bt\u011b financ\u00ed moc nevyznaj\u00ed. A\u00a0r\u00e1di by si tak\u00e9 vybudovali i\u00a0jistou rezervu na sv\u00e9 st\u00e1\u0159\u00ed<\/a>. <\/p>\n

\u201eMysl\u00edm, \u017ee pro to d\u011bl\u00e1me dost, nap\u0159\u00edklad rozumn\u011b hospoda\u0159\u00edme. I\u00a0kdy\u017e j\u00e1 se tedy mus\u00edm p\u0159iznat, \u017ee mi to ob\u010das nevyjde a\u00a0koup\u00edm i\u00a0oble\u010den\u00ed nebo boty, kter\u00e9 nepot\u0159ebuju, ale l\u00edb\u00ed se mi. V\u00a0tomhle jsou pro mne velk\u00fdm l\u00e1kadlem internetov\u00e9 bazary a\u00a0slevov\u00e9 akce, ve kter\u00fdch nakupuju n\u011bkdy i\u00a0zna\u010dkov\u00e9 oble\u010den\u00ed pro kluky. A\u00a0pak se m\u016f\u017ee st\u00e1t, \u017ee t\u0159eba p\u011bt tis\u00edc zmiz\u00ed b\u011bhem chv\u00edle.\u201c<\/p>\n

Rodina svou finan\u010dn\u00ed situaci vn\u00edm\u00e1 jako dobrou a\u00a0v\u011b\u0159\u00ed, \u017ee zm\u00edn\u011bn\u00e9 pl\u00e1ny opravdu spln\u00ed, ale ocenila by rady odborn\u00edka. <\/p>\n

FINAN\u010cN\u00cd DOTAZN\u00cdK \u00da\u0158EDNICE TAMARY<\/p>\n

Jm\u00e9no a\u00a0v\u011bk: Tamara, 39\u00a0let<\/p>\n

Rodinn\u00fd stav a\u00a0po\u010det d\u011bt\u00ed: Vdan\u00e1, 2\u00a0d\u011bti (8\u00a0a\u00a010\u00a0let)<\/p>\n

Povol\u00e1n\u00ed: Pracovnice obecn\u00edho \u00fa\u0159adu<\/p>\n

Celkov\u00e9 p\u0159\u00edjmy m\u011bs\u00ed\u010dn\u011b: 30\u00a0000\u00a0K\u010d (Tamara) + 52\u00a0000\u00a0K\u010d (Ivo\u0161)<\/p>\n

N\u00e1klady na bydlen\u00ed: 12\u00a0000\u00a0K\u010d (energie, poji\u0161t\u011bn\u00ed, voda, popelnice)<\/p>\n

N\u00e1klady za j\u00eddlo: 13\u00a0000\u00a0K\u010d<\/p>\n

Dal\u0161\u00ed v\u011bt\u0161\u00ed polo\u017eky: Auto\u00a0\u2013 poji\u0161t\u011bn\u00ed 1\u00a0300\u00a0K\u010d, palivo 2\u00a0500\u00a0a\u017e 4\u00a0000\u00a0K\u010d; \u017eivotn\u00ed poji\u0161t\u011bn\u00ed 2\u00a0900\u00a0K\u010d; spo\u0159en\u00ed na d\u016fchod 3\u00a0000\u00a0K\u010d; angli\u010dtina d\u011bt\u00ed 3\u00a0000\u00a0K\u010d; krou\u017eky a\u00a0vybaven\u00ed a\u017e 1\u00a0800\u00a0K\u010d; \u0161koln\u00ed j\u00eddlo 1\u00a0500\u00a0K\u010d; spo\u0159en\u00ed d\u011btem 2\u00a0000\u00a0K\u010d; oble\u010den\u00ed a\u00a0vybaven\u00ed na sport 2\u00a0000\u00a0K\u010d (+ n\u00e1razov\u00e9 n\u00e1kupy, pak klidn\u011b i\u00a0p\u0159es 5\u00a0000\u00a0K\u010d); drogerie a\u00a0dom\u00e1cnost 1\u00a0500\u00a0K\u010d; kade\u0159n\u00edk 1\u00a0000\u00a0K\u010d; Ivo\u0161ovy kon\u00ed\u010dky 1\u00a0000\u00a0K\u010d<\/p>\n

Co museli o\u017eelet: Zat\u00edm nic, i\u00a0d\u011btem dop\u0159\u00e1v\u00e1me krou\u017eky a\u00a0sport, ale v\u0161e s\u00a0rozumem.<\/p>\n

\u00daspory na hor\u0161\u00ed \u010dasy: Asi 650\u00a0000\u00a0K\u010d<\/p>\n

Kolik mohou investovat do dovolen\u00e9: cca 130\u00a0000\u00a0K\u010d ro\u010dn\u011b<\/p>\n

Finan\u010dn\u00ed zlozvyky: N\u00e1kupy oble\u010den\u00ed a\u00a0bot, zna\u010dkov\u00e9 sportovn\u00ed oble\u010den\u00ed pro d\u011bti, n\u011bkdy restaurace a\u00a0kino s\u00a0d\u011btmi, kdy\u017e jim dop\u0159ejeme i\u00a0v\u0161e kolem, m\u016f\u017ee to hned st\u00e1t i\u00a01\u00a0500\u00a0K\u010d.<\/p>\n

Finan\u010dn\u00ed c\u00edle: Rezerva na d\u016fchod, \u00faspory pro d\u011bti, p\u0159estavba gar\u00e1\u017ee<\/p>\n

Finan\u010dn\u00ed obavy: Abychom o\u00a0pen\u00edze nep\u0159i\u0161li, aby d\u011bti m\u011bly dobr\u00fd start, abychom m\u011bli jistotu ve st\u00e1\u0159\u00ed.<\/p>\n

Hodnocen\u00ed celkov\u00e9ho hospoda\u0159en\u00ed rodiny: \u201eM\u00e1me se dob\u0159e, ale chceme m\u00edt jistotu pro budoucnost.\u201c<\/p>\n

Jste uk\u00e1zkov\u00e1 rodina, vzkazuje odborn\u00edk<\/p>\n

\u201eTamara s\u00a0Ivo\u0161em vlastn\u00edma rukama vybudovali kr\u00e1sn\u00fd domov, dr\u017e\u00ed stabiln\u00ed rozpo\u010det, vytvo\u0159ili si \u00factyhodnou rezervu a\u00a0je\u0161t\u011b si dop\u0159ej\u00ed skv\u011bl\u00e9 rodinn\u00e9 dovolen\u00e9. Jsou uk\u00e1zkov\u00fdm p\u0159\u00edkladem zdrav\u00e9ho rodinn\u00e9ho hospoda\u0159en\u00ed. Ch\u00e1pu ale jejich touhu po je\u0161t\u011b v\u011bt\u0161\u00ed jistot\u011b. Aby pen\u00edze na \u00fa\u010dtech kv\u016fli inflaci neztr\u00e1cely hodnotu a\u00a0d\u011bti z\u00edskaly sl\u00edben\u00fd start do \u017eivota, sta\u010d\u00ed ud\u011blat jedin\u00fd hlavn\u00ed krok: nechat pen\u00edze rozumn\u011b pracovat,\u201c \u0159\u00edk\u00e1 Luk\u00e1\u0161 Vr\u0161eck\u00fd, CEO a\u00a0spoluzakladatel aplikace Patron GO, a\u00a0rad\u00ed ud\u011blat n\u00e1sleduj\u00edc\u00ed kroky:<\/p>\n

Pro kluky zm\u011b\u0148te spo\u0159ic\u00ed \u00fa\u010det za akciov\u00e9 fondy. V\u00a0horizontu 8\u00a0a\u017e 10\u00a0let ud\u011blaj\u00ed daleko lep\u0161\u00ed pr\u00e1ci n\u00edzkon\u00e1kladov\u00e9 akciov\u00e9 ETF fondy s\u00a0pr\u016fm\u011brn\u00fdm dlouhodob\u00fdm v\u00fdnosem kolem 7\u20139\u00a0% ro\u010dn\u011b. Jen si pe\u010dliv\u011b vyberte, zda je pro v\u00e1s nejlep\u0161\u00ed investovat<\/a> skrze bankovn\u00ed aplikaci, nebo ov\u011b\u0159en\u00e9 investi\u010dn\u00ed aplikace. V\u00a0obou p\u0159\u00edpadech zvolte dob\u0159e diverzifikovan\u00e1 p\u0159ednastaven\u00e1 portfolia, kter\u00e1 v\u011bt\u0161inou obsahuj\u00ed S&P\u00a0500, tedy akciov\u00fd index zahrnuj\u00edc\u00ed akcie 500\u00a0nejv\u011bt\u0161\u00edch na burze obchodovan\u00fdch podnik\u016f v\u00a0USA. Oble\u010den\u00ed i\u00a0prod\u00e1vejte. Tamara se p\u0159iznala k\u00a0impulzivn\u00edm n\u00e1kup\u016fm oble\u010den\u00ed, tak by bylo dobr\u00e9 ho n\u00e1sledn\u011b i\u00a0prodat, nap\u0159\u00edklad pr\u00e1v\u011b v\u00a0internetov\u00fdch bazarech, v\u00a0komisn\u00edch online slu\u017eb\u00e1ch jako Sellpy nebo Remix, kter\u00fdm v\u011bci jen po\u0161lete a\u00a0ony zbytek ud\u011blaj\u00ed za v\u00e1s. Rodinn\u00e1 rezerva 650 tis\u00edc korun je skv\u011bl\u00e1 a d\u00e1t z n\u00ed 200 tis\u00edc do d\u00edlny pro Ivo\u0161e je dobr\u00e1 investice do sebe. V\u017edy je toti\u017e lep\u0161\u00ed hledat cesty, jak p\u0159\u00edjmy zvy\u0161ovat, ne\u017e jen krotit v\u00fddaje, a vlastn\u00ed auto\u0161kola m\u00e1 skv\u011bl\u00fd potenci\u00e1l. Ze zbytku pen\u011bz si ponechte p\u0159ibli\u017en\u011b 200 a\u017e 250 tis\u00edc na spo\u0159ic\u00edm \u00fa\u010dtu jako z\u00e1sobu na 3 a\u017e 5 m\u011bs\u00edc\u016f a zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st po\u0161lete do dlouhodob\u00fdch investic \u2013 t\u0159eba na d\u016fchod p\u0159es dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP)<\/a>, kter\u00fd p\u0159in\u00e1\u0161\u00ed i p\u0159\u00edjemn\u00e9 da\u0148ov\u00e9 \u00faspory<\/a>. Z\u00e1rove\u0148 prov\u011b\u0159te star\u0161\u00ed poji\u0161t\u011bn\u00ed a d\u016fchodov\u00e9 fondy, zda v\u00e1m nenesou zbyte\u010dn\u00e9 ztr\u00e1ty.Rozhodn\u011b se nevzd\u00e1vejte rodinn\u00fdch dovolen\u00fdch, sta\u010d\u00ed jen drobn\u00e9 \u00fapravy v\u00a0b\u011b\u017en\u00e9m provozu. Tis\u00edce ro\u010dn\u011b u\u0161et\u0159\u00edte d\u00edky v\u011brnostn\u00edm slev\u00e1m v\u00a0drogeri\u00edch i\u00a0supermarketech, vyu\u017eit\u00ed p\u0159\u00edsp\u011bvk\u016f zdravotn\u00ed poji\u0161\u0165ovny<\/a> na krou\u017eky a\u00a0sport. Jednou za \u010das se vyplat\u00ed porovnat i\u00a0smlouvy na energie \u010di poji\u0161t\u011bn\u00ed. S k\u00fdm jsme si pov\u00eddali o\u00a0pen\u011bz\u00edch?<\/p>\n

Mluv\u00edme se skute\u010dn\u00fdmi \u017eenami o\u00a0jejich skute\u010dn\u00fdch p\u0159\u00edjmech, v\u00fddaj\u00edch a\u00a0finan\u010dn\u00edch probl\u00e9mech.<\/p>\n

Kucha\u0159ka Katka:<\/a> Jak m\u00edt na \u00fa\u010dtu tolik, aby p\u0159e\u017eila, kdyby p\u0159i\u0161la o pr\u00e1ci?Samo\u017eivitelka asistentka Blanka:<\/a> \u017dije s kalkula\u010dkou v hlav\u011b.Matka p\u011bti d\u011bt\u00ed Jana:<\/a> Jak a\u00a0s kolika pen\u011bzi hospoda\u0159\u00ed velk\u00e1 rodina?Osam\u011bl\u00e1 d\u016fchodkyn\u011b Ad\u00e9la:<\/a> Jak vyjde ze sv\u00e9ho d\u016fchodu?Vdova Marie:<\/a> Jak se vyrovnala s finan\u010dn\u00edmi dopady po smrti man\u017eela?T\u0159icetilet\u00e1 asistentka Mark\u00e9ta:<\/a> Jak zvl\u00e1d\u00e1 hospoda\u0159it? Je na v\u0161echno sama.U\u010ditelka Marcela:<\/a> \u017dije sama s d\u011btmi a ob\u010das mus\u00ed na brig\u00e1du.Samo\u017eivitelka Lucie:<\/a> Jak u\u017eiv\u00ed dv\u011b d\u011bti, kdy\u017e pracuje jen 9 m\u011bs\u00edc\u016f v roce?Invalidn\u00ed d\u016fchodkyn\u011b Mariana:<\/a> Jak vy\u017eije t\u011b\u017ece nemocn\u00e1 \u017eena po rozvodu?Mlad\u00e1 knihovnice Erika<\/a>: Jak vy\u017eije single \u017eena s 22 tis\u00edci?Mlad\u00e1 l\u00e9ka\u0159ka Jana<\/a>: Co si m\u016f\u017ee dovolit svobodn\u00e1 \u017eena se 45 tis\u00edci?Policistka Monika:<\/a> Jak vyjde s\u00a0v\u00fdplatou svobodn\u00e1 \u017eena, kterou \u017eiv\u00ed st\u00e1t?St\u00e1tn\u00ed zam\u011bstnankyn\u011b Eva:<\/a> 3 d\u011bti, hypot\u00e9ka, alimenty… Lze to zvl\u00e1dnout?Prodava\u010dka St\u00e1\u0148a:<\/a> V\u00fdplata nic moc, a\u00a0nav\u00edc \u017e\u00e1dn\u00e9 volno.Pracovnice v kultu\u0159e Mark\u00e9ta:<\/a> Rozpo\u010det zvl\u00e1d\u00e1 d\u00edky mamince.Zdravotn\u00ed sestra Marie:<\/a> M\u00e1 se dob\u0159e, ale v\u00fddaje si hl\u00eddat mus\u00ed.L\u00e9k\u00e1rnice Gabriela:<\/a> Na m\u011bs\u00edc m\u00e1 jej\u00ed rodina 100 tis\u00edc korun.Studentka Sofie:<\/a> V\u0161echno plat\u00ed jej\u00ed p\u0159\u00edtel.Podnikatelka Lucie:<\/a> M\u00e1me 100 tis\u00edc, ale v luxusu ne\u017eijeme.Recep\u010dn\u00ed Jarka:<\/a> Po man\u017eelov\u011b \u00farazu z\u016fstali bez pen\u011bz.U\u010ditelka Libu\u0161e:<\/a> \u017dije si skv\u011ble a utr\u00e1c\u00ed za sebe.Kur\u00fdrka Blanka:<\/a> Je finan\u010dn\u011b na dn\u011b…Spr\u00e1vcov\u00e1 Ad\u00e9la:<\/a> V\u0161e platila firma, te\u010f je \u010dek\u00e1 zm\u011bna.Obsluha na benzince Mirka:<\/a> Nem\u00e1me na spole\u010dn\u00e9 bydlen\u00ed.Samo\u017eivitelka Jana<\/a>: Od nikoho nic ne\u010dek\u00e1m!Pomocn\u00e1 kucha\u0159ka Veronika<\/a>: Maj\u00ed max. 40 tis\u00edc, ale nest\u011b\u017euj\u00ed si.Invalidn\u00ed d\u016fchodkyn\u011b Ji\u0159ina:<\/a> \u017dije sama a dok\u00e1\u017ee u\u0161et\u0159it.Na\u010fa na rodi\u010dovsk\u00e9:<\/a> Nemaj\u00ed m\u00e1lo, ale po\u010d\u00edtat mus\u00ed.Grafi\u010dka Hedvika:<\/a> \u0160et\u0159\u00ed s mu\u017eem na zuby a rekonstrukci bytu.Vdova Tamara:<\/a> M\u00e1 rakovinu a z\u016fstala sama na 3 d\u011bti.Prodava\u010dka Marta:<\/a> M\u00e1me p\u011bt d\u011bt\u00ed a chceme jim dop\u0159\u00e1t i z m\u00e1la.Samo\u017eivitelka Simona:<\/a> Utekla od tyrana s d\u011btmi, chod\u00ed na brig\u00e1dy.\u00da\u010detn\u00ed Ivona:<\/a> P\u0159\u00edjem n\u00e1m umo\u017e\u0148uje pracovat m\u00e9n\u011b a\u00a0b\u00fdt s\u00a0d\u011btmi.Katka na rodi\u010dovsk\u00e9:<\/a> Vyjdeme, ale zbyte\u010dn\u011b utr\u00e1c\u00edm.Podnikatelka Ev\u017eenie:<\/a> Za\u010d\u00ednali jsme od nuly, te\u010f m\u00e1me pen\u011bz dost.Serv\u00edrka Marie:<\/a> P\u0159e\u017e\u00edv\u00e1me, ale jestli budu nemocn\u00e1, tak nev\u00edm.Mana\u017eerka Romana:<\/a> Investujeme do zlata a ne\u0161et\u0159\u00edme.Bank\u00e9\u0159ka Erika:<\/a> Zdra\u017eov\u00e1n\u00ed u\u017e m\u011b ned\u011bs\u00ed, ale boj\u00edm se nemoci.Skladnice L\u00edda:<\/a> \u017dij\u00ed z ruky do \u00fast a \u0161et\u0159it nen\u00ed z \u010deho.Kv\u011btin\u00e1\u0159ka Veronika:<\/a> Sv\u016fj vysn\u011bn\u00fd obchod u\u017e asi dlouho neudr\u017e\u00ed.Asistentka Radana:<\/a> A\u017e splat\u00edme dluhy, zbl\u00e1zn\u00edm se radost\u00ed!P\u0159ekladatelka Daniela:<\/a> Na vlastn\u00ed bydlen\u00ed nikdy neu\u0161et\u0159\u00edme…Zdravotn\u00ed sestra Marie:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, ale zase se skoro nevid\u00edme.L\u00e9k\u00e1rnice Dita:<\/a> Man\u017eel bere jen z\u00e1kladn\u00ed plat, zbytek na ruku.Zdravotn\u00ed sestra T\u00e1\u0148a:<\/a> Nev\u00edm, kolik bere man\u017eel, a nevad\u00ed mi to.D\u016fchodkyn\u011b Radana:<\/a> Chod\u00edm na brig\u00e1dy a nedr\u017e\u00edm se zp\u00e1tky.Studentka Ji\u0159ina:<\/a> Studuju a m\u00e1m dv\u011b brig\u00e1dy, ale nev\u00edm, zda vyjdu.Rozveden\u00e1 u\u010ditelka Dana:<\/a> Um\u00ed chyt\u0159e \u0161et\u0159it a chce do p\u0159ed\u010dasn\u00e9ho d\u016fchodu.Kade\u0159nice Karol\u00edna:<\/a> Dohromady daj\u00ed hodn\u011b pen\u011bz, chystaj\u00ed stavbu domu.Administrativn\u00ed pracovnice Radka:<\/a> Chod\u00ed na brig\u00e1dy a\u00a0\u0161et\u0159\u00ed, kde se d\u00e1.Ovdov\u011bl\u00e1 pokladn\u00ed Sv\u011btlana:<\/a> Nevzali jsme se, vdovsk\u00fd d\u016fchod nem\u00e1m.Silvie pracuje v kancel\u00e1\u0159i:<\/a> V\u0161echno zaplat\u00edme a spo\u0159\u00edme, ale nic si neu\u017eijeme.Pokojsk\u00e1 Kate\u0159ina:<\/a> Jsem z\u00e1visl\u00e1 na d\u00e1vk\u00e1ch. Kdy\u017e v\u00edc vyd\u011bl\u00e1m, nevy\u017eijeme.Market\u00e9rka Karla:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, do d\u016fchodu chceme v\u00a050!Podruh\u00e9 vdan\u00e1 \u00fa\u010detn\u00ed Helena:<\/a> Podporuji dceru, mu\u017eovy d\u011bti mi to vy\u010d\u00edtaj\u00ed.U\u010ditelka Jana:<\/a> Kv\u016fli rodin\u011b opustila dob\u0159e placenou pr\u00e1ci, te\u010f je ale rozveden\u00e1.Pr\u016fvodkyn\u011b Romana:<\/a> Zuba\u0159e m\u00e1m v Asii, v \u010cesku chod\u00edm do sek\u00e1\u010de.B\u00fdval\u00e1 \u0159editelka \u0161koly Magdalena:<\/a> D\u011btem po mn\u011b nic nez\u016fstane. Jen d\u016fm.Program\u00e1torka Jana:<\/a> Ani s p\u0159\u00edjmem \u010dtvrt milionu m\u011bs\u00ed\u010dn\u011b neutr\u00e1c\u00edme.Prodejkyn\u011b kuchyn\u00ed Kamila:<\/a> \u017dije sama, nic j\u00ed nechyb\u00ed, ale boj\u00ed se d\u016fchodu.Lektorka Nikol na rodi\u010dovsk\u00e9:<\/a> Ex na mn\u011b parazituje, ale bez n\u011bj bych nevy\u0161la.D\u016fchodkyn\u011b Kv\u011bta:<\/a> Pracuje, spo\u0159\u00ed a\u00a0podporuje dceru v\u00a0USA.Samo\u017eivitelka Irena: <\/a>M\u00e1m dv\u011b d\u011bti, dv\u011b brig\u00e1dy a\u00a0dluhy.M\u00e1ma na mate\u0159sk\u00e9 Ilona:<\/a> Nem\u00e1me ani na po\u0159\u00e1dn\u00e9 j\u00eddlo pro d\u011bti.Studentka Sofie v dom\u00e1cnosti:<\/a> \u017diju jako milenka, v\u0161echno plat\u00ed p\u0159\u00edtel.Finan\u010dn\u00ed analyti\u010dka Janka:<\/a> Vyd\u011bl\u00e1me 220\u00a0tis\u00edc, ale skoro neutr\u00e1c\u00edme.Samo\u017eivitelka Tamara:<\/a> Je sama na \u010dty\u0159i d\u011bti, ex neplat\u00ed alimenty.Pr\u00e1vni\u010dka Marika:<\/a> M\u00e1me hodn\u011b, u\u017e\u00edv\u00e1me, ale nerozhazujeme.Seniorka Ivana:<\/a> \u017dijeme si dob\u0159e, ale co a\u017e tu jeden z\u016fstane na v\u0161e s\u00e1m?Asistentka pedagoga Magda:<\/a> Nechci alimenty ani d\u00e1vky. Dceru u\u017eiv\u00edm sama.Seniorka Alena:<\/a> D\u016fm n\u00e1m pad\u00e1 na hlavu, d\u011bti o n\u011bj nejev\u00ed z\u00e1jem.Vdova Marcela:<\/a> \u017diju jinak ne\u017e kamar\u00e1dky, mu\u017e m\u011b zabezpe\u010dil.M\u00e1ma na mate\u0159sk\u00e9 Radana:<\/a> Boj\u00edm se, aby se d\u011bti nestyd\u011bly, \u017ee jsme chud\u00ed.Kosmeti\u010dka Dominika:<\/a> N\u011bco si vyd\u011bl\u00e1me, ale nen\u00ed to \u017e\u00e1dn\u00e1 sl\u00e1va.Podnikatelka Karol\u00edna:<\/a> Jsme milion\u00e1\u0159i bez radosti, p\u0159i\u0161li jsme o syna.Maminka Pavl\u00edna:<\/a> Cht\u011bla jsem d\u011bti a\u00a0ka\u0161lala jsem na vzd\u011bl\u00e1n\u00ed.Barmanka Sv\u011btlana:<\/a> Vyd\u011bl\u00e1m si dost, ale dom\u016f chod\u00edm jen p\u0159espat.Prodava\u010dka Iveta:<\/a> P\u016fl roku \u017eijeme z\u00a0podpory a\u00a0sp\u00ed\u0161 p\u0159e\u017e\u00edv\u00e1me.Samo\u017eivitelka Romana:<\/a> Skon\u010dila jsem t\u011bhotn\u00e1 na ulici, ale nebre\u010d\u00edm.Taxik\u00e1\u0159ka V\u011bra:<\/a> Za volant sedla z nouze po rozvodu. Co d\u011blat d\u00e1l?U\u010ditelka hudby Jitka:<\/a> Aby vy\u0161la, mus\u00ed si p\u0159ivyd\u011bl\u00e1vat.Veronika na rodi\u010dovsk\u00e9:<\/a> Spl\u00e1c\u00edme dluhy, na \u017eivot n\u00e1m moc nezb\u00fdv\u00e1.Dent\u00e1ln\u00ed hygienistka Sl\u00e1vka:<\/a> Kv\u016fli p\u00e9\u010di o\u00a0maminky \u017eijeme s mu\u017eem ka\u017ed\u00fd jinde.Oper\u00e1torka Simona:<\/a> Star\u00e1m se o\u00a0tat\u00ednka s\u00a0alzheimerem, v\u0161echno t\u00e1hne man\u017eel.\u0158editelka marketingu Veronika:<\/a> M\u00e1me se dob\u0159e d\u00edky vlastn\u00edmu \u00fasil\u00ed.Pedik\u00e9rka Stanislava:<\/a> Abych v\u0161echno poplatila, pracuju 7\u00a0dn\u00ed v t\u00fddnu.Kulturn\u00ed referentka Tamara:<\/a> Bude mi 30 a\u00a0po\u0159\u00e1d bydl\u00edm u\u00a0na\u0161ich v pokoj\u00ed\u010dku.Eva z pivovaru:<\/a> Prvn\u00ed dluhy jsem m\u011bla u\u017e v\u00a018.\u00a0Dnes\u00a0m\u00e1m \u010dist\u00fd st\u016fl.\u017dena v\u00a0dom\u00e1cnosti Katka:<\/a> Nevyd\u011bl\u00e1v\u00e1m, p\u0159esto se m\u00e1me dob\u0159e.Asistentka Ji\u0159ina:<\/a> S dcerkou m\u00e1me napjat\u00fd rozpo\u010det, ale m\u00e1me klid!\u00da\u010detn\u00ed Anna:<\/a> Pl\u00e1n na d\u016fchod zkrachoval, u\u017e se nesta\u010d\u00edme zabezpe\u010dit!D\u016fchodkyn\u011b Helena:<\/a> Cel\u00fd \u017eivot jsem pracovala, v d\u016fchodu sotva vyjdu.\u00da\u010detn\u00ed Jana:<\/a> S mu\u017eem se chystaj\u00ed na d\u016fchod, chalupa je jejich jistota.Jak se hospoda\u0159\u00ed na Slovensku:<\/a> Rodina s d\u00edt\u011btemInvalidn\u00ed man\u017eel\u00e9:<\/a> Tou\u017e\u00ed po vlastn\u00edm dom\u011b a jistot\u011b na st\u00e1\u0159\u00ed.Projektantka Petra:<\/a> \u017dijeme skromn\u011b, na\u0161e priorita je splatit d\u016fm.Asistentka Ema:<\/a> Cestujeme. Co vyd\u011bl\u00e1me, to utrat\u00edme.Jak se hospoda\u0159\u00ed na Kan\u00e1rsk\u00fdch ostrovech:<\/a> \u010ce\u0161i provozuj\u00ed ekofarmu.Jind\u0159i\u0161ka v p\u0159ed\u010dasn\u00e9m d\u016fchodu:<\/a> Penzi si chceme u\u017e\u00edt.Serv\u00edrka Veronika:<\/a> M\u00e1me hypot\u00e9ku a vyd\u011bl\u00e1v\u00e1me vlastn\u011b jenom na ni.Prodava\u010dka Janka:<\/a> Man\u017eela nikdo nezam\u011bstn\u00e1, pracuje na\u010derno.Jak se hospoda\u0159\u00ed na Islandu:<\/a> Energie jsou levn\u011bj\u0161\u00ed ne\u017e v \u010cesku.Kucha\u0159ka D\u00e1\u0161a:<\/a> Je rozveden\u00e1 a spl\u00e1c\u00ed dluhy po man\u017eelovi.\u0160vadlena Ivana:<\/a> Vyd\u011bl\u00e1v\u00e1me, ale co kdy\u017e p\u0159ijdeme o pr\u00e1ci?Jak se hospoda\u0159\u00ed v Egypt\u011b:<\/a> Popis b\u011b\u017en\u00e9ho \u017eivota egyptsk\u00e9 rodinyZdravotn\u00ed sestra Alice:<\/a> Po rozchodu se mus\u00edm postavit na vlastn\u00ed nohy.Recep\u010dn\u00ed Pavl\u00edna:<\/a> Nev\u011b\u0159\u00edm na d\u016fchod, chceme spo\u0159it sami.Design\u00e9rka Ingrit:<\/a> Do 40 chci m\u00edt vlastn\u00ed bydlen\u00ed.Jak se \u017eije v\u00a0Chorvatsku:<\/a> \u010cesk\u00e1 d\u016fchodkyn\u011b u mo\u0159e kr\u00e1sn\u011b vy\u017eije.D\u016fchodkyn\u011b Jarka:<\/a> Mus\u00edm se vyst\u011bhovat na venkov.Fotografka Martina:<\/a> D\u011bti se boj\u00ed, aby n\u00e1m zbylo na d\u016fchod.Marketingov\u00e1 konzultantka Jana:<\/a> Vyd\u011bl\u00e1m dost, ale plat\u00edm za chyby minulosti!Jak se \u017eije v\u00a0N\u011bmecku:<\/a> N\u00e1klady rostou, ale syst\u00e9m pomoci rodin\u00e1m je f\u00e9r.Zdravotn\u00ed sestra Zdena:<\/a> Jsem na nemocensk\u00e9 a\u00a0te\u010f jsem bez pen\u011bz!Prodava\u010dka Monika:<\/a> M\u00e1me se kr\u00e1sn\u011b! Chci, aby to tak bylo po\u0159\u00e1d!Po\u0161\u0165a\u010dka Silvie:<\/a> P\u0159ed d\u016fchodem spl\u00e1cej\u00ed synovy dluhy.Kou\u010dka Petra:<\/a> Vyd\u011bl\u00e1m dost, ale kv\u016fli hypot\u00e9ce jsem v\u011bze\u0148 sv\u00e9 banky!Jak se \u017eije v\u00a0Norsku:<\/a> Je to tu drah\u00e9. Hodn\u011b drah\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"D\u011bkujeme, \u017ee jste ochotni sv\u011b\u0159it n\u00e1m sv\u00e9 hospoda\u0159en\u00ed a\u00a0popsat, jak jako rodina vych\u00e1z\u00edte s\u00a0p\u0159\u00edjmy. Chcete se tak\u00e9 p\u0159idat?…\n","protected":false},"author":2,"featured_media":168941,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,68,23256,3421,883,69,884,1502,1373,9827,889,5503,7160,2643,27945],"class_list":["post-168940","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-byznys","tag-dlouhodoby-investicni-produkt-dip","tag-duchod","tag-finance","tag-investice","tag-podcast-mluvte-o-penezich","tag-pojisteni","tag-rekonstrukce","tag-rekonstrukce-domu","tag-rodinne-finance","tag-sporeni","tag-sporici-ucet","tag-uspory","tag-zivotni-naklady"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117041560605502307","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/168940","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=168940"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/168940\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/168941"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=168940"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=168940"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=168940"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}