{"id":314,"date":"2019-08-09T11:48:34","date_gmt":"2019-08-09T09:48:34","guid":{"rendered":"http:\/\/loanstar.com\/cz\/?p=314"},"modified":"2019-08-15T17:21:22","modified_gmt":"2019-08-15T15:21:22","slug":"rodinny-rozpocet-ve-3-krocich","status":"publish","type":"post","link":"https:\/\/loanstar.com\/cz\/rodinny-rozpocet-ve-3-krocich\/","title":{"rendered":"Rodinn\u00fd rozpo\u010det ve 3 kroc\u00edch"},"content":{"rendered":"<h1 style=\"text-align: left\">Rodinn\u00fd rozpo\u010det ve 3 kroc\u00edch<\/h1>\n<p style=\"text-align: left\"><strong>V n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku v\u00e1m d\u00e1me tipy jak spr\u00e1vn\u011b sestavit rodinn\u00fd rozpo\u010det. Takov\u00fd, kter\u00fd p\u0159inese p\u0159ehled i klid do dom\u00e1cnosti a umo\u017en\u00ed v\u00e1m za\u010d\u00edt \u0161et\u0159it na hor\u0161\u00ed \u010dasy \u010di investovat. Va\u0161\u00edm c\u00edlem m\u016f\u017ee b\u00fdt zdrav\u00fd p\u0159ehled o financ\u00edch, exotick\u00e1 dovolen\u00e1, nov\u00e9 auto \u010di oprava koupelny.<\/strong><\/p>\n<h2>Krok 1: P\u0159ehled p\u0159\u00edjm\u016f a v\u00fddaj\u016f<\/h2>\n<p>Na\u010drtn\u011bte si, jak vypad\u00e1 v\u00e1\u0161 obvykl\u00fd m\u011bs\u00edc z pohledu p\u0159\u00edjm\u016f a v\u00fddaj\u016f cel\u00e9 dom\u00e1cnosti. Se\u0159a\u010fte je podle <strong>d\u016fle\u017eitosti<\/strong>!<\/p>\n<p>Pomoci by v\u00e1m mohla nap\u0159\u00edklad <strong>\u0161ablona rodinn\u00e9ho rozpo\u010dtu<\/strong> od Ministerstva financ\u00ed (k nalezen\u00ed <a href=\"https:\/\/www.psfv.cz\/cs\/rodinne-finance\/rozpocet\">zde<\/a>), mobiln\u00ed aplikace nebo oby\u010dejn\u00fd pap\u00edr a tu\u017eka. Je jen na v\u00e1s, jak\u00fd n\u00e1stroj zvol\u00edte, d\u016fle\u017eit\u00e9 je za\u010d\u00edt sledovat sv\u00e9 finance.<\/p>\n<h3>P\u0158\u00cdJMY<\/h3>\n<p>Do p\u0159\u00edjm\u016f uve\u010fte v\u0161echny p\u0159\u00edjmy dom\u00e1cnosti. Va\u0161i <strong>mzdu<\/strong>, mzdu partnera\/partnerky, uve\u010fte tak\u00e9 <strong>vedlej\u0161\u00ed p\u0159\u00edjem<\/strong>, pokud n\u011bjak\u00fd m\u00e1te. Investujete do cenn\u00fdch pap\u00edr\u016f a chod\u00ed v\u00e1m pravideln\u011b <strong>dividendy<\/strong>? Jedn\u00e1 se tak\u00e9 o p\u0159\u00edjem. \u010cerp\u00e1te <strong>podporu<\/strong> v nezam\u011bstnanosti \u010di nemocenskou? Nezapome\u0148te uv\u00e9st ani tyto polo\u017eky.<\/p>\n<ol>\n<li>\n<h6>P\u0159\u00edjem z hlavn\u00edho pracovn\u00edho pom\u011bru<\/h6>\n<\/li>\n<li>\n<h6>P\u0159iv\u00fdd\u011blky z brig\u00e1d<\/h6>\n<\/li>\n<li>\n<h6>Podpora<\/h6>\n<\/li>\n<\/ol>\n<h3>V\u00ddDAJE<\/h3>\n<p>U v\u00fddajov\u00fdch polo\u017eek se sna\u017ete b\u00fdt co nejv\u00edce up\u0159\u00edmn\u00ed. Jako prvn\u00ed zaznamenejte \u010d\u00e1stku, kterou odv\u00e1d\u00edte na <strong>bydlen\u00ed<\/strong>, a\u0165 u\u017e je to pron\u00e1jem nebo spl\u00e1tka hypot\u00e9ky. <strong>Elekt\u0159ina, voda a plyn<\/strong> nemus\u00ed m\u00edt m\u011bs\u00ed\u010dn\u00ed vy\u00fa\u010dtov\u00e1n\u00ed, sna\u017ete se odhadnout m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku z vy\u00fa\u010dtov\u00e1n\u00ed z minul\u00e9ho roku. Doj\u00ed\u017ed\u00edte <strong>MHD<\/strong> nebo <strong>autem<\/strong>? M\u00e1te <strong>pau\u0161\u00e1l<\/strong> nebo si dob\u00edj\u00edte <strong>kredit<\/strong> na telefon? St\u00e1hn\u011bte si <strong>v\u00fdpis z \u00fa\u010dtu<\/strong> za minul\u00fd m\u011bs\u00edc a dopl\u0148te chyb\u011bj\u00edc\u00ed kategorie. Spo\u0159\u00edte \u010di investujete m\u011bs\u00ed\u010dn\u00ed fixn\u00ed \u010d\u00e1stku? Gratulujeme! Ale ani tato kategorie nesm\u00ed b\u00fdt opomenuta ve va\u0161ich m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u00edch.<\/p>\n<ol>\n<li>\n<h6>Spl\u00e1tky p\u016fj\u010dek, hypot\u00e9ka<\/h6>\n<\/li>\n<li>\n<h6>Pron\u00e1jem<\/h6>\n<\/li>\n<li>\n<h6>Elekt\u0159ina, voda, plyn<\/h6>\n<\/li>\n<li>\n<h6>Doprava, benz\u00edn<\/h6>\n<\/li>\n<li>\n<h6>J\u00eddlo, pit\u00ed<\/h6>\n<\/li>\n<li>\n<h6>Spo\u0159en\u00ed, investice<\/h6>\n<\/li>\n<li>\n<h6>Telefon, internet<\/h6>\n<\/li>\n<\/ol>\n<div id=\"attachment_337\" style=\"width: 510px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-337\" decoding=\"async\" loading=\"lazy\" class=\"wp-image-337\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1.jpg\" alt=\"\" width=\"500\" height=\"331\" srcset=\"https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1.jpg 1000w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-300x199.jpg 300w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-768x508.jpg 768w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-196x130.jpg 196w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-393x260.jpg 393w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-153x101.jpg 153w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-305x202.jpg 305w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-165x109.jpg 165w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-151x100.jpg 151w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_791955673-1-168x111.jpg 168w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><p id=\"caption-attachment-337\" class=\"wp-caption-text\">Ve\u010fte si podrobn\u00fd p\u0159ehled o va\u0161ich m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjmech i v\u00fddaj\u00edch a m\u011bjte v\u00e1\u0161 rodinn\u00fd rozpo\u010det pod kontrolou.<\/p><\/div>\n<h2>Krok 2: Zhodnocen\u00ed situace<\/h2>\n<h4>Typy rozpo\u010dt\u016f<\/h4>\n<ul>\n<li><strong>Kladn\u00fd<\/strong><span class=\"Apple-converted-space\"> &#8211; p\u0159ebytkov\u00fd<\/span><\/li>\n<li><strong>Z\u00e1porn\u00fd<\/strong> &#8211; negativn\u00ed<\/li>\n<li><strong>Vyrovnan\u00fd<\/strong> &#8211; teoreticky v\u00e1\u0161 rozpo\u010det m\u016f\u017ee vych\u00e1zet jako vyrovnan\u00fd, v praxi se s touto skute\u010dnost\u00ed v\u0161ak m\u00e1lokdy setk\u00e1me.<\/li>\n<\/ul>\n<p>Jak\u00e1 polo\u017eka \u010din\u00ed nejv\u011bt\u0161\u00ed \u010d\u00e1st va\u0161eho st\u00e1vaj\u00edc\u00edho rozpo\u010dtu? <strong>Bydlen\u00ed<\/strong>?<\/p>\n<p>Dle \u0161et\u0159en\u00ed \u010cesk\u00e9ho statistick\u00e9ho \u00fa\u0159adu se zjistilo, \u017ee 69 % \u010cech\u016f \u017eije ve vlastn\u00edm bydlen\u00ed, 19 % v n\u00e1jmu a zbytek populace d\u00e1v\u00e1 p\u0159ednost dru\u017estevn\u00edmu bytu. Nejv\u011bt\u0161\u00ed pod\u00edl sv\u00fdch p\u0159\u00edjm\u016f zaplat\u00ed za bydlen\u00ed obyvatel\u00e9 velk\u00fdch m\u011bst.<\/p>\n<blockquote><p><em>Lid\u00e9 \u017eij\u00edc\u00ed <b>v\u00a0<\/b><b>n\u00e1jemn\u00edch bytech<\/b> plat\u00ed za bydlen\u00ed v pr\u016fm\u011bru<b> 30 % ze sv\u00fdch p\u0159\u00edjm\u016f<\/b>, zat\u00edmco lid\u00e9 \u017eij\u00edc\u00ed <b>v bytech v osobn\u00edm vlastnictv\u00ed <\/b>plat\u00ed necel\u00fdch <b>15 % ze sv\u00fdch p\u0159\u00edjm\u016f.<\/b><\/em><\/p><\/blockquote>\n<p>Tvo\u0159\u00ed kategorie Voln\u00fd \u010das velkou \u010d\u00e1st va\u0161ich v\u00fddaj\u016f? 25 K\u010d za zmrzlinu v \u00fater\u00fd, 60 K\u010d za rychlou k\u00e1vu ve \u010dtvrtek s kamar\u00e1dkou, 100 K\u010d za p\u00e1r piv s kolegy v p\u00e1tek po pr\u00e1ci. P\u0159ekvapuje v\u00e1s, jak se tyto polo\u017eky dok\u00e1\u017e\u00ed na konci m\u011bs\u00edce nast\u0159\u00e1dat? Nebojte se, o tyto chvilky \u0161t\u011bst\u00ed nep\u0159ijdete, ale p\u0159\u00ed\u0161t\u011b si je<strong> u\u017eijete v\u00edc.<\/strong><\/p>\n<h2>Krok 3: Vytvo\u0159en\u00ed realistick\u00e9ho rozpo\u010dtu<\/h2>\n<p><strong>Za\u010dn\u011bte<\/strong> s nov\u00fdm rozpo\u010dtem <strong>hned<\/strong>, ne\u010dekejte na prvn\u00ed den dal\u0161\u00edho m\u011bs\u00edce nebo na p\u0159\u00ed\u0161t\u00ed pond\u011bl\u00ed.\u00a0<strong>Tipy<\/strong> jak dos\u00e1hnout p\u0159ebytkov\u00e9ho rozpo\u010dtu:<\/p>\n<h4 style=\"text-align: left\"><em>1) Zv\u00fd\u0161en\u00edm p\u0159\u00edjm\u016f<\/em><\/h4>\n<h5>P\u0159iv\u00fdd\u011blek<\/h5>\n<p>Dne\u0161n\u00ed doba <strong>sd\u00edlen\u00e9 ekonomiky a nonstop dostupn\u00e9ho internetu<\/strong> je r\u00e1jem pro ty, kte\u0159\u00ed si cht\u011bj\u00ed p\u0159ivyd\u011blat. M\u00e1te auto? Existuj\u00ed aplikace, kde ho m\u016f\u017eete p\u016fj\u010dit na v\u00edkend t\u011bm, kte\u0159\u00ed auto nemaj\u00ed. Nebo si p\u0159ivyd\u011bl\u00e1vejte p\u00e1r tis\u00edcovek m\u011bs\u00ed\u010dn\u011b jako \u0159idi\u010d. M\u00e1te kolo? Dov\u00e1\u017eejte ob\u010derstven\u00ed m\u00edsto sezen\u00ed p\u0159ed televiz\u00ed. Dv\u011b mouchy jednou ranou. P\u0159esta\u0148te platit drahou permanentku do posilovny, kam si v\u011bt\u0161inou chod\u00edte jen zab\u011bhat. Cho\u010fte sportovat ven, \u010derstv\u00fd vzduch v\u00e1m prosp\u011bje a u\u0161et\u0159\u00edte je\u0161t\u011b n\u011bjak\u00e9 <strong>pen\u00edze nav\u00edc<\/strong>. Um\u00edte jazyky? Dou\u010dujte nebo p\u0159ekl\u00e1dejte z domova p\u0159es internet.<\/p>\n<h5>Prodej nepot\u0159ebn\u00e9ho<\/h5>\n<p>Le\u017e\u00ed v\u00e1m ve sk\u0159\u00edni nebo gar\u00e1\u017ei v\u011bci, kter\u00e9 u\u017e nenos\u00edte nebo nepou\u017e\u00edv\u00e1te? Zkuste je <strong>prodat<\/strong> sv\u00fdm zn\u00e1m\u00fdm nebo na internetu. T\u0159eba z nich bude m\u00edt v\u011bt\u0161\u00ed u\u017eitek n\u011bkdo jin\u00fd a vy si n\u011bco p\u0159ivyd\u011bl\u00e1te.<\/p>\n<div id=\"attachment_339\" style=\"width: 510px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-339\" decoding=\"async\" loading=\"lazy\" class=\"wp-image-339\" src=\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058.jpg\" alt=\"\" width=\"500\" height=\"429\" srcset=\"https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058.jpg 1000w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-300x257.jpg 300w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-768x659.jpg 768w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-152x130.jpg 152w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-303x260.jpg 303w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-118x101.jpg 118w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-235x202.jpg 235w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-165x142.jpg 165w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-117x100.jpg 117w, https:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/shutterstock_1116580058-168x144.jpg 168w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><p id=\"caption-attachment-339\" class=\"wp-caption-text\">Pracujte se sv\u00fdm rozpo\u010dtem, sna\u017ete se zv\u00fd\u0161it sv\u00e9 p\u0159\u00edjmy a sn\u00ed\u017eit v\u00fddaje v jednotliv\u00fdch kategori\u00edch!<\/p><\/div>\n<h4 style=\"text-align: left\"><em>2) Sn\u00ed\u017een\u00edm n\u00e1klad\u016f<\/em><\/h4>\n<p>Pokud je to mo\u017en\u00e9, zkuste bydlet s co nejni\u017e\u0161\u00edmi \u017eivotn\u00edmi n\u00e1klady. Vzpom\u00edn\u00e1te na studentsk\u00e9 \u010dasy, kdy jste bydleli s dal\u0161\u00edmi spolu\u017e\u00e1ky na koleji nebo v byt\u011b o 60 m\u00b2 a ve\u010de\u0159eli \u0161pagety s ke\u010dupem? Jak\u00e9 to byly ve\u010dery! Nen\u00ed nutn\u00e9 se st\u011bhovat \u010di zah\u00e1jit hladovku, ale osvojen\u00ed p\u00e1r <strong>z\u00e1kladn\u00edch pravidel<\/strong> \u010di tip\u016f v\u00e1m pom\u016f\u017ee rozh\u00fdbat v\u00e1\u0161 <strong>rodinn\u00fd rozpo\u010det<\/strong> t\u00edm spr\u00e1vn\u00fdm sm\u011brem:<\/p>\n<h5>Spla\u0165te dluhy<\/h5>\n<blockquote>\n<p style=\"text-align: left\"><em>Dluh je dobr\u00fd sluha, ale zl\u00fd p\u00e1n.<\/em><\/p>\n<\/blockquote>\n<p>Co se t\u00fd\u010de spl\u00e1tek va\u0161ich p\u016fj\u010dek, existuje jednoduch\u00e9 a osv\u011bd\u010den\u00e9 pravidlo. Prvn\u00ed se sna\u017ete splatit ty nejmen\u0161\u00ed dluhy, kter\u00e9 jsou v\u011bt\u0161inou zat\u00ed\u017eeny nejvy\u0161\u0161\u00edm \u00farokem. Za vyzkou\u0161en\u00ed stoj\u00ed nechat si zaslat nab\u00eddku<strong> refinancov\u00e1n\u00ed <\/strong>va\u0161ich<strong> star\u0161\u00edch nesplacen\u00fdch p\u016fj\u010dek<\/strong>, co\u017e v\u00e1m u\u0161et\u0159\u00ed \u010das p\u0159i placen\u00ed jednotliv\u00fdch spl\u00e1tek a hlavn\u011b pen\u00edze. Sna\u017ete se co nejrychleji dostat z dluhov\u00e9 pasti! V\u00edce o p\u016fj\u010dk\u00e1ch, jejich v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch se dozv\u00edte na na\u0161ich str\u00e1nk\u00e1ch (<a href=\"http:\/\/loanstar.com\/cz\/pujcky\">odkaz zde<\/a>).<\/p>\n<h5>Levn\u011bj\u0161\u00ed n\u00e1kup<\/h5>\n<p>Vyu\u017eijte mno\u017estevn\u00edch slev p\u0159i n\u00e1kupu obl\u00edben\u00fdch pot\u0159eb a potravin.<span class=\"Apple-converted-space\">\u00a0 Prvn\u00ed m\u011bs\u00edc si dejte za c\u00edl utratit o <strong>20 % m\u00e9n\u011b za j\u00eddlo a pit\u00ed<\/strong>. P\u0159i\u00a0 ka\u017ed\u00e9m n\u00e1kupu se opravdu soust\u0159e\u010fte na to, jak\u00e9 polo\u017eky d\u00e1v\u00e1te do ko\u0161\u00edku. Sna\u017ete se vyhnout <strong>obsesivn\u00edmu nakupov\u00e1n\u00ed<\/strong>, kdy\u017e m\u00e1te hlad nebo jste unaven\u00ed.<\/span><\/p>\n<h5>Uva\u0159te si doma<\/h5>\n<p>Uva\u0159te si p\u00e1rkr\u00e1t za t\u00fdden <strong>ve\u010de\u0159i doma<\/strong> a pokud zbyde porce, vezm\u011bte si ji s sebou n\u00e1sleduj\u00edc\u00ed den do pr\u00e1ce. <span class=\"Apple-converted-space\">Domluvte se s kolegy, se kter\u00fdmi v\u011bt\u0161inou chod\u00edte na ob\u011bd, a <strong>doneste si j\u00eddlo <\/strong>z domu ve stejn\u00fd den. Po ob\u011bd\u011b se b\u011b\u017ete na chv\u00edli proj\u00edt a uvid\u00edte, \u017ee se vr\u00e1t\u00edte pln\u00ed <strong>energie<\/strong>. Pozv\u011bte kamar\u00e1dy na j\u00eddlo k v\u00e1m dom\u016f! Ka\u017ed\u00fd p\u0159inese sv\u016fj obl\u00edben\u00fd pokrm a za m\u011bs\u00edc se akce m\u016f\u017ee konat zase u n\u011bkoho jin\u00e9ho. Nebo vyra\u017ete na mal\u00fd piknik ven!<br \/>\n<\/span><\/p>\n<h5>Finan\u010dn\u00ed gramotnost<\/h5>\n<p>Sna\u017ete se o va\u0161em <strong>rozpo\u010dtu mluvit otev\u0159en\u011b<\/strong> se v\u0161emi \u010dleny dom\u00e1cnosti, rodinou a kamar\u00e1dy. <strong>Finance<\/strong> jsou zbyte\u010dn\u00e9 tabu, br\u00e1n\u00edme t\u00edm sami sob\u011b v p\u0159\u00edstupu k informac\u00edm, kter\u00e9 ji\u017e pomohly jin\u00fdm lidem. Vzd\u011bl\u00e1vejte se nap\u0159\u00edklad poslechem podcast\u016f, kter\u00e9 se v\u011bnuj\u00ed <strong>finan\u010dn\u00ed t\u00e9matice<\/strong>, zabrouzdejte do rubriky Business ve va\u0161ich obl\u00edben\u00fdch novin\u00e1ch.<\/p>\n<h5>Rezervn\u00ed fond<\/h5>\n<p>M\u00e1te \u00fa\u010det v bance, ke kter\u00e9mu nen\u00ed mo\u017en\u00fd p\u0159\u00edstup platebn\u00ed kartou? Skv\u011bl\u00e9, na n\u011bj za\u010dn\u011bte ka\u017ed\u00fd m\u011bs\u00edc p\u0159ev\u00e1d\u011bt fixn\u00ed \u010d\u00e1stku. Pokud ne, klasick\u00e9 pras\u00e1tko bude sta\u010dit. Tohle bude v\u00e1\u0161 <strong>rezervn\u00ed fond<\/strong>, kdy\u017e se porouch\u00e1 auto nebo p\u0159estane fungovat pra\u010dka. Nebude nutn\u00e9 si tak br\u00e1t p\u016fj\u010dku s vysok\u00fdm \u00farokem. Pokud takov\u00fdto fond ji\u017e m\u00e1te, zkuste sv\u00e9 pen\u00edze <strong>investovat<\/strong> do kapit\u00e1lov\u00fdch fond\u016f \u010di do spole\u010dnost\u00ed, jejich\u017e produkty milujete. Na rozd\u00edl od pouh\u00e9ho spo\u0159en\u00ed v\u00e1m va\u0161e pen\u00edze touto cestou <strong>vygeneruj\u00ed dal\u0161\u00ed p\u0159\u00edjem<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku v\u00e1m d\u00e1me tipy jak spr\u00e1vn\u011b sestavit rodinn\u00fd rozpo\u010det. Takov\u00fd, kter\u00fd p\u0159inese p\u0159ehled i klid do dom\u00e1cnosti a umo\u017en\u00ed v\u00e1m za\u010d\u00edt \u0161et\u0159it na hor\u0161\u00ed \u010dasy \u010di investovat. <\/p>\n","protected":false},"author":31,"featured_media":338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[9,13,11,8,10,12],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rodinn\u00fd rozpo\u010det ve 3 kroc\u00edch - LoanStar \u010cesk\u00e1 republika<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/loanstar.com\/cz\/rodinny-rozpocet-ve-3-krocich\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rodinn\u00fd rozpo\u010det ve 3 kroc\u00edch - LoanStar \u010cesk\u00e1 republika\" \/>\n<meta property=\"og:description\" content=\"V n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku v\u00e1m d\u00e1me tipy jak spr\u00e1vn\u011b sestavit rodinn\u00fd rozpo\u010det. 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