{"id":91158,"date":"2026-05-20T05:18:09","date_gmt":"2026-05-20T05:18:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/91158\/"},"modified":"2026-05-20T05:18:09","modified_gmt":"2026-05-20T05:18:09","slug":"jak-nasetrit-na-byt-a-na-duchod-rady-experta","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/91158\/","title":{"rendered":"Jak na\u0161et\u0159it na byt a na d\u016fchod: Rady experta"},"content":{"rendered":"

Jsme r\u00e1di, kdy\u017e n\u00e1m sv\u011b\u0159\u00edte sv\u00e9 hospoda\u0159en\u00ed a\u00a0pop\u00ed\u0161ete, jak vych\u00e1z\u00edte jako rodina se sv\u00fdmi p\u0159\u00edjmy. P\u0159\u00edsp\u011bvky m\u016f\u017eete pos\u00edlat na e-mailovou adresu redakce.prozeny@firma.seznam.cz<\/a>.<\/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

Splnila si sen o\u00a0povol\u00e1n\u00ed<\/p>\n

Ingrit (28) je, jak sama \u0159\u00edk\u00e1, \u201eum\u011blec t\u011blem i\u00a0du\u0161\u00ed\u201c a\u00a0sv\u00e9mu snu st\u00e1t se bytovou design\u00e9rkou ob\u011btovala hodn\u011b. Um\u011bleckou \u0161kolu i\u00a0dal\u0161\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed si prosadila u\u00a0rodi\u010d\u016f, kte\u0159\u00ed se b\u00e1li, \u017ee ji to neu\u017eiv\u00ed. \u0160kolu zvl\u00e1dala i\u00a0d\u00edky brig\u00e1d\u00e1m\u00a0\u2013 a\u00a0na jedn\u00e9 se sezn\u00e1mila s\u00a0Tamarou z\u00a0realitn\u00ed kancel\u00e1\u0159e. Slovo dalo slovo a\u00a0vyzkou\u0161ely spolupracovat. \u201eZa\u010dala jsem chystat byty k\u00a0prodeji, tak aby na fotk\u00e1ch vypadaly co nejl\u00e9pe, \u0159\u00edk\u00e1 se tomu home staging<\/a>. Ono se to zd\u00e1 jako mali\u010dkost, ale m\u016f\u017ee to z\u00e1sadn\u011b pomoct, hlavn\u011b u\u00a0luxusn\u011bj\u0161\u00edch nab\u00eddek. V\u00fdsledek se l\u00edbil a\u00a0stala se z\u00a0toho moje hlavn\u00ed profese. Dokonce jsem se s\u00a0n\u00ed dostala i\u00a0do ciziny, pom\u00e1hala jsem s\u00a0prodejem byt\u016f v\u00a0Berl\u00edn\u011b.\u201c<\/p>\n

Ingrit pr\u00e1ce nejen bav\u00ed, ale i\u00a0slu\u0161n\u011b \u017eiv\u00ed: \u201eI kdy\u017e je toho n\u011bkdy hodn\u011b a\u00a0jindy m\u00e1m del\u0161\u00ed pauzu, lze po\u010d\u00edtat se zhruba 45\u00a0a\u017e 50\u00a0tis\u00edci m\u011bs\u00ed\u010dn\u011b.\u201c A\u00a0jak \u010dasto chod\u00ed po bytech, domech i\u00a0kancel\u00e1\u0159\u00edch, vysnila si, \u017ee si do \u010dty\u0159iceti mus\u00ed na\u0161et\u0159it pen\u00edze na n\u011bco sv\u00e9ho. \u201eJe mi jasn\u00e9, \u017ee to nebude nic obrovsk\u00e9ho, ale minim\u00e1ln\u011b milion jako prvn\u00ed vklad, to bych moc r\u00e1da m\u011bla. Ale uv\u011bdomuju si, \u017ee to nebude lehk\u00e9, jestli ne skoro nemo\u017en\u00e9\u2026 Ale vlastn\u011b ka\u017ed\u00e9 pen\u00edze by mohly p\u0159ibl\u00ed\u017eit sen o\u00a0vlastn\u00edm bydlen\u00ed.\u201c<\/p>\n

Zat\u00edm bydl\u00ed u\u00a0rodi\u010d\u016f<\/p>\n

V sou\u010dasn\u00e9 dob\u011b \u017eije Ingrit u\u00a0rodi\u010d\u016f v\u00a0rodinn\u00e9m dom\u011b na okraji Prahy, kde m\u00e1 velk\u00fd pokoj a\u00a0vlastn\u00ed koupelnu. \u201eBydl\u00ed tu je\u0161t\u011b i\u00a0star\u0161\u00ed bratr, kter\u00fd m\u00e1 tak\u00e9 sv\u016fj pokoj. Zat\u00edm jsme se dohodli, \u017ee budu bydlet tady, abych u\u0161et\u0159ila\u00a0\u2013 p\u0159id\u00e1v\u00e1m do rodinn\u00e9ho rozpo\u010dtu deset tis\u00edc jako n\u00e1klady na bydlen\u00ed, energie a\u00a0podobn\u011b. Na j\u00eddlo p\u0159isp\u00edv\u00e1m kolem t\u0159\u00ed\u00a0tis\u00edc, hlavn\u011b tak, \u017ee ob\u010das nakoup\u00edm na v\u00edkend nebo n\u011bco do lednice. J\u00e1 doma moc nej\u00edm, n\u011bkdy o\u00a0v\u00edkendech, ale doma moc neb\u00fdv\u00e1m. Pr\u00e1v\u011b proto d\u00e1m za restaurace a\u00a0j\u00eddlo venku dal\u0161\u00edch asi sedm tis\u00edc.\u201c<\/p>\n

Nev\u00ed, jak investovat<\/p>\n

Ingrit si plat\u00ed \u017eivotn\u00ed a\u00a0\u00farazovou pojistku<\/a> a\u00a0tak\u00e9 poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad, \u017ee by zp\u016fsobila p\u0159i pr\u00e1ci n\u011bjakou \u0161kodu\u00a0\u2013 dohromady to jsou asi dva tis\u00edce m\u011bs\u00ed\u010dn\u011b. \u201eOble\u010den\u00ed kupuju moc r\u00e1da v\u00a0sek\u00e1\u010d\u00edch, ale ob\u010das si koup\u00edm i\u00a0n\u011bco od mlad\u00fdch n\u00e1vrh\u00e1\u0159\u016f nebo zna\u010dkov\u00e9, tak\u017ee m\u011bs\u00ed\u010dn\u011b to tak patn\u00e1ct set ud\u011bl\u00e1. Kade\u0159n\u00edk, n\u00e1kup \u0161minek nebo kosmetiky se vejde do dvou tis\u00edc m\u011bs\u00ed\u010dn\u011b a\u00a0doprava asi do tis\u00edcovky i\u00a0s ob\u010dasn\u00fdm tax\u00edkem. Za koncerty a\u00a0akce s\u00a0kamar\u00e1dy utrat\u00edm asi patn\u00e1ct set\u00a0\u2013 nen\u00ed to pravideln\u00e9, tak p\u0159esn\u011b nev\u00edm. Zbytek d\u00e1v\u00e1m na spo\u0159ic\u00ed \u00fa\u010det.\u201c<\/p>\n

I kdy\u017e si chce v\u00a0r\u00e1mci n\u00e1sleduj\u00edc\u00edch asi deseti let Ingrit na\u0161et\u0159it na byt, pen\u00edze nech\u00e1v\u00e1 zat\u00edm le\u017eet v\u00a0bance a\u00a0nijak je nezhodnocuje. \u201eV\u00edm, \u017ee to je \u0161patn\u011b, ale neum\u00edm se rozhodnout o\u00a0vhodn\u00e9 investici. Moc se v\u00a0tom nevyzn\u00e1m a\u00a0sou\u010dasn\u011b v\u00edm, \u017ee chci m\u00edt kam s\u00e1hnout<\/a>, kdyby se situace zm\u011bnila a\u00a0pot\u0159ebovala bych byt rychle. Tak te\u010f stoj\u00edm p\u0159ed rozhodnut\u00edm, jak\u00fdm sm\u011brem svoje finance vlastn\u011b sm\u011b\u0159ovat.\u201c Aktu\u00e1ln\u011b je single, ale kdyby na\u0161la partnera a\u00a0cht\u011bli spolu bydlet, chce m\u00edt t\u0159eba na pron\u00e1jem.<\/p>\n

FINAN\u010cN\u00cd DOTAZN\u00cdK DESIGN\u00c9RKY INGRIT<\/p>\n

Jm\u00e9no a\u00a0v\u011bk: Ingrit, 28\u00a0let<\/p>\n

Rodinn\u00fd stav a\u00a0po\u010det d\u011bt\u00ed: Svobodn\u00e1, bezd\u011btn\u00e1<\/p>\n

Povol\u00e1n\u00ed: Home staging design\u00e9rka<\/p>\n

Celkov\u00e9 p\u0159\u00edjmy m\u011bs\u00ed\u010dn\u011b: 45\u00a0a\u017e 50\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na bydlen\u00ed: P\u0159\u00edsp\u011bvek rodi\u010d\u016fm 10\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na j\u00eddlo: U\u00a0rodi\u010d\u016f asi 3\u00a0000\u00a0K\u010d, ostatn\u00ed n\u00e1klady asi 7\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na oble\u010den\u00ed: Kupuju n\u00e1razov\u011b, stoj\u00ed m\u011b to asi 1\u00a0500\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n

N\u00e1klady na drogerii nebo jin\u00e9 v\u011bt\u0161\u00ed polo\u017eky: \u017divotn\u00ed, \u00farazov\u00e9 a\u00a0poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody celkem 2\u00a0000\u00a0K\u010d; mobil, internet a\u00a0p\u0159edplatn\u00e9 1\u00a0100\u00a0K\u010d; doprava do 1\u00a0000\u00a0K\u010d; akce s\u00a0p\u0159\u00e1teli do 1\u00a0500\u00a0K\u010d; kade\u0159n\u00edk a\u00a0dal\u0161\u00ed \u201epar\u00e1da\u201c do 2\u00a0000\u00a0K\u010d<\/p>\n

Spo\u0159en\u00ed: V\u011bt\u0161inou kolem 20\u00a0000\u00a0K\u010d na spo\u0159ic\u00ed \u00fa\u010det, ob\u010das si zas n\u011bco vezmu, ale v\u011bt\u0161inou to ned\u011bl\u00e1m, aktu\u00e1ln\u011b m\u00e1m na \u00fa\u010dtu 264\u00a0000\u00a0K\u010d.<\/p>\n

Co jsem musela o\u017eelet \u010di je p\u0159\u00edli\u0161 drah\u00e9: Sna\u017e\u00edm se neutr\u00e1cet za j\u00eddlo v\u00a0restaurac\u00edch a\u00a0fast foodech, p\u0159estala jsem kou\u0159it, alkohol skoro nepiju.<\/p>\n

Kolik ro\u010dn\u011b investuju do dovolen\u00e9: Zat\u00edm jezd\u00edm sp\u00ed\u0161 na festivaly nebo men\u0161\u00ed v\u00fdlety, velkou a\u00a0drahou dovolenou jsem si dop\u0159\u00e1la je\u0161t\u011b s\u00a0b\u00fdval\u00fdm p\u0159\u00edtelem p\u0159ed p\u011bti lety, ale platil ji hlavn\u011b on, tak\u017ee tady klidn\u011b p\u00ed\u0161u 0\u00a0K\u010d.<\/p>\n

Moje finan\u010dn\u00ed zlozvyky: Asi ob\u010das n\u00e1kup oble\u010den\u00ed a\u00a0bi\u017euterie, kter\u00e9 nepot\u0159ebuju, n\u011bkdy koup\u00edm i\u00a0dekorace, co\u017e beru jako profesn\u00ed zat\u00ed\u017een\u00ed, no a\u00a0kafe do kel\u00edmku skoro za stovku, to je taky zbytn\u00e1 v\u011bc.<\/p>\n

Moje finan\u010dn\u00ed c\u00edle nebo p\u0159\u00e1n\u00ed: Vlastn\u00ed bydlen\u00ed, proto\u017ee jsem holka z\u00a0bar\u00e1ku a\u00a0tak n\u011bjak to odmali\u010dka sly\u0161\u00edm, \u017ee m\u00edt vlastn\u00ed je lep\u0161\u00ed\u2026<\/p>\n

Moje finan\u010dn\u00ed obavy: V\u00edm, \u017ee zat\u00edm si \u017eiju bezstarostn\u011b a\u00a0v pohod\u011b, ale boj\u00edm se nemoci, toho, \u017ee nebude pr\u00e1ce nebo \u017ee se ten sv\u011bt zbl\u00e1zn\u00ed a\u00a0za\u010dne v\u00e1l\u010dit ve velk\u00e9m\u2026<\/p>\n

Jak hodnot\u00edm celkovou finan\u010dn\u00ed situaci: Nem\u016f\u017eu si st\u011b\u017eovat, ale cht\u011bla bych to s\u00a0pen\u011bzi um\u011bt v\u00edc a\u00a0l\u00e9pe je zhodnotit.<\/p>\n

Ingrit m\u00e1 dobr\u00e9 podm\u00ednky si sv\u016fj sen splnit<\/p>\n

\u201eIngrit je ve finan\u010dn\u011b velmi dobr\u00e9 v\u00fdchoz\u00ed pozici, i\u00a0kdy\u017e si to sama mo\u017en\u00e1 \u00fapln\u011b neuv\u011bdomuje. Ve 28\u00a0letech m\u00e1 nadpr\u016fm\u011brn\u00fd p\u0159\u00edjem, minim\u00e1ln\u00ed z\u00e1vazky, \u017e\u00e1dn\u00e9 dluhy, \u017e\u00e1dn\u00e9 d\u011bti a\u00a0hlavn\u011b schopnost pravideln\u011b spo\u0159it kolem 20\u00a0tis\u00edc\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b. To je dnes mezi mlad\u00fdmi lidmi sp\u00ed\u0161 v\u00fdjimka. Mnoho lid\u00ed vyd\u011bl\u00e1v\u00e1 podobn\u00e9 pen\u00edze, ale nem\u00e1 po m\u011bs\u00edci t\u00e9m\u011b\u0159 nic. Ingrit naopak vytv\u00e1\u0159\u00ed p\u0159ebytek rozpo\u010dtu, co\u017e je \u00fapln\u00fd z\u00e1klad zdrav\u00fdch financ\u00ed,\u201c komentuje Jakub Hesoun, odborn\u00edk na investice a\u00a0finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed Fondu firemn\u00edho n\u00e1stupnictv\u00ed Adax.<\/p>\n

Jej\u00ed m\u011bs\u00ed\u010dn\u00ed rozpo\u010det p\u016fsob\u00ed relativn\u011b rozumn\u011b. Celkov\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje se pohybuj\u00ed okolo 29\u00a0000\u00a0K\u010d. Rezerva 264\u00a0000\u00a0K\u010d na spo\u0159ic\u00edm \u00fa\u010dtu pokr\u00fdv\u00e1 zhruba 9\u00a0m\u011bs\u00edc\u016f b\u011b\u017en\u00fdch v\u00fddaj\u016f, co\u017e je v\u00edce ne\u017e doporu\u010den\u00fdch 3\u20136\u00a0m\u011bs\u00edc\u016f. I\u00a0tak je ale prostor na zlep\u0161en\u00ed:<\/p>\n

Nejv\u011bt\u0161\u00ed slabina cel\u00e9 situace je, \u017ee pen\u00edze le\u017e\u00ed t\u00e9m\u011b\u0159 bez zhodnocen\u00ed na \u00fa\u010dtu. A pr\u00e1v\u011b inflace<\/a> je tich\u00fd nep\u0159\u00edtel lid\u00ed, kte\u0159\u00ed \u201echt\u011bj\u00ed m\u00edt pen\u00edze po ruce\u201c. Pokud budou dal\u0161\u00ed roky le\u017eet jen na spo\u0159ic\u00edm \u00fa\u010dtu, jejich re\u00e1ln\u00e1 hodnota bude postupn\u011b klesat. P\u0159itom Ingrit m\u00e1 d\u00edky v\u011bku ide\u00e1ln\u00ed investi\u010dn\u00ed horizont.Pokud chce v budoucnu vlastn\u00ed byt, bude pot\u0159ebovat kombinaci vlastn\u00edch zdroj\u016f a hypot\u00e9ky. U bytu v Praze nebo okol\u00ed za 6 milion\u016f korun bude banka v\u011bt\u0161inou cht\u00edt alespo\u0148 10\u00a0% vlastn\u00edch prost\u0159edk\u016f, tedy minim\u00e1ln\u011b 600\u00a0000\u00a0K\u010d, ide\u00e1ln\u011b v\u00edc kv\u016fli rezerv\u011b a vybaven\u00ed bydlen\u00ed. P\u0159i sou\u010dasn\u00e9m tempu spo\u0159en\u00ed a pravideln\u00e9m investov\u00e1n\u00ed <\/a>15\u201320\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b m\u016f\u017ee m\u00edt za 10 a\u017e 12\u00a0let re\u00e1ln\u011b naspo\u0159eno 3 a\u017e 4\u00a0miliony korun. A to u\u017e je \u010d\u00e1stka, kter\u00e1 v\u00fdrazn\u011b m\u011bn\u00ed mo\u017enosti p\u0159i \u0159e\u0161en\u00ed vlastn\u00edho bydlen\u00ed i budouc\u00ed finan\u010dn\u00ed svobody.Velmi d\u016fle\u017eit\u00e9 bude tak\u00e9 zkontrolovat nastaven\u00ed poji\u0161t\u011bn\u00ed. U \u010dlov\u011bka, kter\u00fd je z\u00e1visl\u00fd hlavn\u011b na vlastn\u00edm p\u0159\u00edjmu, je kl\u00ed\u010dov\u00e9 kvalitn\u00ed poji\u0161t\u011bn\u00ed invalidity a dlouhodob\u00e9 pracovn\u00ed neschopnosti. Spr\u00e1vn\u011b nastaven\u00e9 m\u00e1 i poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu p\u0159i pr\u00e1ci, jen je t\u0159eba si ov\u011b\u0159it limity pojistky, m\u011bly by b\u00fdt minim\u00e1ln\u011b 20 a\u017e 50\u00a0milion\u016f korun. Naopak v jej\u00ed situaci zat\u00edm ned\u00e1v\u00e1 velk\u00fd smysl vysok\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na smrt, proto\u017ee nem\u00e1 d\u011bti ani hypot\u00e9ku.<\/p>\n

Ingrit velmi up\u0159\u00edmn\u011b odhalila i\u00a0sv\u00e9 finan\u010dn\u00ed zlozvyky: k\u00e1va za stovku, dekorace nebo impulzivn\u00ed n\u00e1kupy<\/a> nejsou katastrofa. Probl\u00e9m by byl a\u017e tehdy, kdyby utr\u00e1cela v\u0161echno a\u00a0nic neodkl\u00e1dala. To ale nen\u00ed jej\u00ed p\u0159\u00edpad. <\/p>\n

Nejd\u016fle\u017eit\u011bj\u0161\u00ed kroky pro Ingrit te\u010f jsou:Zamyslet se a\u00a0konkretizovat sv\u00e9 d\u016fle\u017eit\u00e9 strategick\u00e9 finan\u010dn\u00ed c\u00edle:V\u00fd\u0161e renty pro zaji\u0161t\u011bn\u00ed v\u00a0d\u016fchodu (jak vysok\u00e1 by m\u011bla b\u00fdt, odkdy by ji cht\u011bla za\u010d\u00edt \u010derpat).Vlastn\u00ed bydlen\u00ed (kolik na n\u011bj bude pot\u0159ebovat pen\u011bz a\u00a0kdy si ho chce po\u0159\u00eddit).\u00a0Nechat rezervu 180\u2013200\u00a0tis\u00edc korun na spo\u0159ic\u00edm \u00fa\u010dtu.Za\u010d\u00edt pravideln\u011b investovat<\/a> alespo\u0148 15\u201320\u00a0tis\u00edc m\u011bs\u00ed\u010dn\u011b do \u0161iroce diverzifikovan\u00e9ho ETF portfolia, kter\u00e9 bude reflektovat jej\u00ed finan\u010dn\u00ed c\u00edle (nap\u0159. vlastn\u00ed zdroje pro budouc\u00ed hypot\u00e9ku).Zkontrolovat pojistn\u00e9 smlouvy<\/a>, hlavn\u011b invaliditu a\u00a0odpov\u011bdnost.Dr\u017eet si dlouhodob\u011b vysokou m\u00edru spo\u0159en\u00ed (investic) a\u00a0nezvy\u0161ovat zbyte\u010dn\u011b \u017eivotn\u00ed n\u00e1klady.P\u0159ipravovat si vlastn\u00ed zdroje pro budouc\u00ed hypot\u00e9ku.<\/p>\n

Finan\u010dn\u00ed c\u00edle jsou velmi d\u016fle\u017eit\u00e9, proto\u017ee bez nich se t\u011b\u017eko stanovuj\u00ed konkr\u00e9tn\u00ed zp\u016fsoby nakl\u00e1d\u00e1n\u00ed s\u00a0p\u0159ebytky. A\u00a0jeliko\u017e je Ingrit velmi mlad\u00e1, m\u011bla by myslet u\u017e te\u010f i\u00a0na zaji\u0161t\u011bn\u00ed v\u00a0d\u016fchodu (renta). Pokud za\u010dne na rentu odkl\u00e1dat ji\u017e te\u010f, bude j\u00ed sta\u010dit investovat m\u011bs\u00ed\u010dn\u011b mnohem m\u00e9n\u011b, ne\u017e kdyby za\u010dala t\u0159eba o\u00a010\u00a0let pozd\u011bji.<\/p>\n

Sv\u016fj dlouh\u00fd investi\u010dn\u00ed horizont by tedy m\u011bla n\u00e1le\u017eit\u011b vyu\u017e\u00edt. Nepot\u0159ebuje z\u00e1zra\u010dn\u00e9 investice ani riskov\u00e1n\u00ed. Pot\u0159ebuje hlavn\u011b syst\u00e9m, discipl\u00ednu a\u00a0\u010das. A\u00a0pr\u00e1v\u011b \u010das je n\u011bco, co m\u00e1 dnes na sv\u00e9 stran\u011b. Co\u017e je ve financ\u00edch ob\u010das cenn\u011bj\u0161\u00ed ne\u017e vysok\u00fd p\u0159\u00edjem.<\/p>\n

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\u00fddn\u016f.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.U\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.<\/p>\n","protected":false},"excerpt":{"rendered":"Jsme r\u00e1di, kdy\u017e n\u00e1m sv\u011b\u0159\u00edte sv\u00e9 hospoda\u0159en\u00ed a\u00a0pop\u00ed\u0161ete, jak vych\u00e1z\u00edte jako rodina se sv\u00fdmi p\u0159\u00edjmy. P\u0159\u00edsp\u011bvky m\u016f\u017eete pos\u00edlat…\n","protected":false},"author":2,"featured_media":91159,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,1311,27398,68,10573,883,1984,1740,69,4409,884,1502,2255,5503,7160,27945],"class_list":["post-91158","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-bydleni","tag-bytovy-design","tag-byznys","tag-designeri","tag-finance","tag-hypoteky","tag-interierovy-design","tag-investice","tag-investovani","tag-podcast-mluvte-o-penezich","tag-pojisteni","tag-rodice","tag-sporeni","tag-sporici-ucet","tag-zivotni-naklady"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116605216583292542","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/91158","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=91158"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/91158\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/91159"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=91158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=91158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=91158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}