BRATISLAVA – Slovensk\u00e9 dom\u00e1cnosti vn\u00edmaj\u00fa svoju finan\u010dn\u00fa situ\u00e1ciu ako nap\u00e4t\u00fa, a\u017e 47 % popul\u00e1cie hodnot\u00ed svoju s\u00fa\u010dasn\u00fa \u017eivotn\u00fa \u00farove\u0148 hor\u0161ie ako pred rokom. Vypl\u00fdva to z prieskumu NMS Market Research Slovakia vykonan\u00e9ho od 8. do 13. apr\u00edla medzi 1001 obyvate\u013emi Slovenska. Tretina op\u00fdtan\u00fdch uv\u00e1dza, \u017ee by nedok\u00e1zala uhradi\u0165 ne\u010dakan\u00fd v\u00fddavok vo v\u00fd\u0161ke 300 eur a 41 % \u013eud\u00ed si nem\u00f4\u017ee dovoli\u0165 ani t\u00fd\u017ede\u0148 dovolenky mimo domova.<\/p>\n
Pod\u013ea vlastn\u00e9ho hodnotenia respondentov sa ich \u017eivotn\u00e1 \u00farove\u0148 oproti situ\u00e1cii spred roka zhor\u0161ila, 35 % op\u00fdtan\u00fdch vn\u00edma svoju s\u00fa\u010dasn\u00fa \u017eivotn\u00fa \u00farove\u0148 ako sk\u00f4r hor\u0161iu a \u010fal\u0161\u00edch 12 % ju pova\u017euje za rozhodne hor\u0161iu. Spolu teda 47 % Slov\u00e1kov hodnot\u00ed svoju \u017eivotn\u00fa \u00farove\u0148 hor\u0161ie ne\u017e pred rokom. Rovnak\u00fa \u00farove\u0148 ako pred rokom vn\u00edma nie\u010do cez tretinu \u013eud\u00ed a zlep\u0161enie subjekt\u00edvne poci\u0165uje 17 %.<\/p>\n
Dvadsa\u0165dva percent op\u00fdtan\u00fdch uv\u00e1dza, \u017ee zo svojich \u010dist\u00fdch mesa\u010dn\u00fdch pr\u00edjmov vych\u00e1dza \u0165a\u017eko a vysta\u010dia im len na pokrytie z\u00e1kladn\u00fdch potrieb, teda na zaplatenie b\u00fdvania, jedla a energi\u00ed. \u010eal\u0161\u00edch 8 % sa prikl\u00e1\u0148a k tvrdeniu, \u017ee im peniaze nesta\u010dia ani na to. \u0160tyridsa\u0165tri percent respondentov v prieskume uviedlo, \u017ee ich dom\u00e1cnos\u0165 z pr\u00edjmov dok\u00e1\u017ee vy\u017ei\u0165, no pr\u00edjmy im pokryj\u00fa akur\u00e1t be\u017en\u00e9 v\u00fddavky bez finan\u010dnej rezervy. Pohodlne zo svojich pr\u00edjmov aj s u\u0161etrenou rezervou vy\u017eije 27 % dom\u00e1cnost\u00ed.<\/p>\n
Najv\u00e4\u010d\u0161ie rozdiely<\/p>\n
Najv\u00e4\u010d\u0161ie rozdiely vznikaj\u00fa medzi \u013eu\u010fmi s r\u00f4znym stup\u0148om dosiahnut\u00e9ho vzdelania. S vy\u0161\u0161\u00edm stup\u0148om vzdelania rastie aj podiel \u013eud\u00ed, ktor\u00ed dok\u00e1\u017eu zo svojich pr\u00edjmov vy\u017ei\u0165 bez probl\u00e9mov aj s finan\u010dnou rezervou. O nie\u010do viac ako priemer popul\u00e1cie je v tejto skupine aj mu\u017eov, \u013eud\u00ed z Bratislavsk\u00e9ho kraja \u010di voli\u010dov opozi\u010dn\u00fdch str\u00e1n PS a SaS. Najv\u00e4\u010d\u0161\u00ed podiel \u013eud\u00ed, ktor\u00ed vy\u017eij\u00fa zo svojich pr\u00edjmov s \u0165a\u017ekos\u0165ami, je v skupine nevoli\u010dov.<\/p>\n
Najv\u00e4\u010d\u0161\u00edm luxusom zost\u00e1va pre slovensk\u00e9 dom\u00e1cnosti dovolenka, a\u017e 41 % respondentov si nem\u00f4\u017ee dovoli\u0165 ani t\u00fd\u017ede\u0148 dovolenky mimo domova za rok. Druh\u00fdm naj\u010dastej\u0161ie uv\u00e1dzan\u00fdm probl\u00e9mom je schopnos\u0165 zvl\u00e1dnu\u0165 ne\u010dakan\u00fd v\u00fddavok vo v\u00fd\u0161ke 300 eur, 37 % \u013eud\u00ed by mali s jeho \u00fahradou probl\u00e9m. Nevyhnutn\u00e9 opravy bytu alebo domu si nem\u00f4\u017ee dovoli\u0165 28 % op\u00fdtan\u00fdch. Desatina \u013eud\u00ed na Slovensku m\u00e1 probl\u00e9m s \u00fahradou n\u00e1jmu, hypot\u00e9ky alebo energi\u00ed na\u010das a v plnej v\u00fd\u0161ke.<\/p>\n
Rast mzdy nezv\u00fd\u0161i hne\u010f aj \u00faspory, hrozbou je infl\u00e1cia \u017eivotn\u00e9ho \u0161t\u00fdlu<\/p>\n
Viac ako polovica slovensk\u00fdch dom\u00e1cnost\u00ed by mala pri v\u00fdpadku pr\u00edjmov na viac ako jeden mesiac v\u00e1\u017eny probl\u00e9m, ke\u010f\u017ee nemaj\u00fa vytvoren\u00e9 dostato\u010dn\u00e9 rezervy. Ani vy\u0161\u0161\u00ed plat pritom automaticky nemus\u00ed znamena\u0165 v\u00e4\u010d\u0161ie finan\u010dn\u00e9 pohodlie. D\u00f4vodom je takzvan\u00e1 infl\u00e1cia \u017eivotn\u00e9ho \u0161t\u00fdlu. S rastom pr\u00edjmu toti\u017e \u010dasto rast\u00fa aj na\u0161e v\u00fddavky, upozornil odborn\u00edk na osobn\u00e9 financie zo spolo\u010dnosti Finax J\u00e1n Tonka.<\/p>\n
Pouk\u00e1zal na to, \u017ee zna\u010dn\u00e1 \u010das\u0165 popul\u00e1cie m\u00e1 probl\u00e9m s vytv\u00e1ran\u00edm z\u00e1kladnej finan\u010dnej rezervy na hor\u0161ie \u010dasy. Vy\u0161e 26 % Slov\u00e1kov m\u00e1 rezervu len vo v\u00fd\u0161ke jednomesa\u010dn\u00fdch v\u00fddavkov a takmer 30 % ju nem\u00e1 vytvoren\u00fa v\u00f4bec. Tieto zistenia z prieskumu agent\u00fary Ipsos pre Finax potvrdzuj\u00fa aj \u00fadaje N\u00e1rodnej banky Slovenska (NBS), pod\u013ea ktor\u00fdch mnoh\u00e9 dom\u00e1cnosti nemaj\u00fa k dispoz\u00edcii takmer \u017eiadne peniaze na neo\u010dak\u00e1van\u00e9 v\u00fddavky.<\/p>\n
Finan\u010dn\u00fd stav v\u0161ak nez\u00e1vis\u00ed iba od v\u00fd\u0161ky mzdy, ale aj od finan\u010dnej gramotnosti, zd\u00f4raznil odborn\u00edk. T\u00e1 v\u0161ak s platom automaticky nerastie. Zvy\u0161ovanie platu sa potom spravidla nesp\u00e1ja s rastom \u00faspor, ale iba s v\u00e4\u010d\u0161\u00edm m\u00ed\u0148an\u00edm.\u00a0\u201ePri stredn\u00fdch a vy\u0161\u0161\u00edch pr\u00edjmoch je najv\u00e4\u010d\u0161ou pascou infl\u00e1cia \u017eivotn\u00e9ho \u0161t\u00fdlu. S rastom pr\u00edjmu zvy\u010dajne rast\u00fa aj na\u0161e po\u017eiadavky na kraj\u0161ie b\u00fdvanie, lep\u0161ie auto, nov\u0161iu elektroniku, n\u00e1v\u0161tevy re\u0161taur\u00e1ci\u00ed, don\u00e1\u0161ky jedla \u010di n\u00e1kupy drah\u00e9ho oble\u010denia. Zjednodu\u0161ene povedan\u00e9, \u013eudia s\u00edce za\u010dn\u00fa viac zar\u00e1ba\u0165, ale automaticky za\u010dn\u00fa aj viac m\u00ed\u0148a\u0165,\u201c vysvetlil Tonka.<\/p>\n
Monitorovanie \u00farovne finan\u010dnej gramotnosti v Eur\u00f3pskej \u00fanii (E\u00da) uk\u00e1zalo, \u017ee k\u00fdm na Slovensku preuk\u00e1zalo vysok\u00fa \u00farove\u0148 znalost\u00ed len 27 % \u013eud\u00ed, v krajin\u00e1ch s dlhodobo najlep\u0161\u00edmi v\u00fdsledkami ako Holandsko, D\u00e1nsko \u010di F\u00ednsko sa toto \u010d\u00edslo pohybovalo okolo 40 %. Odborn\u00edk zd\u00f4raznil, \u017ee pri ni\u017e\u0161\u00edch pr\u00edjmoch je k\u013e\u00fa\u010dov\u00e9 zvl\u00e1dnu\u0165 z\u00e1klady, teda spravi\u0165 si preh\u013ead vo v\u00fddavkoch, za\u010da\u0165 si odklada\u0165 a vyhn\u00fa\u0165 sa drah\u00fdm p\u00f4\u017ei\u010dk\u00e1m. K zhodnocovaniu pe\u0148az\u00ed prostredn\u00edctvom investovania sa z d\u00f4vodu absencie rezerv dostane len minimum \u013eud\u00ed, pod\u013ea prieskumu Finaxu m\u00e1 sk\u00fasenos\u0165 s investovan\u00edm necel\u00e1 tretina Slov\u00e1kov.<\/p>\n
Pri vy\u0161\u0161\u00edch pr\u00edjmoch je potom d\u00f4le\u017eit\u00e9 ma\u0165 pod kontrolou spotrebu a nenecha\u0165 sa obra\u0165 o peniaze kupovan\u00edm vec\u00ed, ktor\u00e9 nepotrebujeme, impulz\u00edvnymi n\u00e1kupmi a m\u00ed\u0148an\u00edm bez kontroly.\u00a0\u201eRie\u0161en\u00edm pre boj s infl\u00e1ciou \u017eivotn\u00e9ho \u0161t\u00fdlu je za\u010da\u0165 pravidelne sledova\u0165 v\u00fddavky, pl\u00e1nova\u0165 ich, stanovi\u0165 si strop na m\u00ed\u0148anie a nepresiahnu\u0165 ho. Rast pr\u00edjmu by mal \u00eds\u0165 ruka v ruke s rastom \u00faspor a invest\u00edci\u00ed, nielen s vy\u0161\u0161\u00edmi v\u00fddavkami,\u201c doplnil Tonka.<\/p>\n","protected":false},"excerpt":{"rendered":"BRATISLAVA – Slovensk\u00e9 dom\u00e1cnosti vn\u00edmaj\u00fa svoju finan\u010dn\u00fa situ\u00e1ciu ako nap\u00e4t\u00fa, a\u017e 47 % popul\u00e1cie hodnot\u00ed svoju s\u00fa\u010dasn\u00fa \u017eivotn\u00fa…\n","protected":false},"author":2,"featured_media":58541,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[635,1944,978,43,40,44,39,42,45,41],"class_list":{"0":"post-58540","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-slovensko","8":"tag-financie","9":"tag-mzda","10":"tag-praca","11":"tag-sk","12":"tag-slovak","13":"tag-slovak-republic","14":"tag-slovakia","15":"tag-slovencina","16":"tag-slovenska-republika","17":"tag-slovensko"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116499531909604154","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/58540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=58540"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/58540\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/58541"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=58540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=58540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=58540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}