3 spolehlivé rady, jak si vytvořit vlastní finanční rezervu

Začněte šetřit. Ještě dnes! Ne zítra, od pondělí nebo od dalšího měsíce. Jednoduše a razantně začněte hned teď. Musíte šetřit systematicky. Jedná se o proces, kdy na účet automaticky odkládáte stranou určitou částku z pravidelného příjmu. Jedná se o způsob, jak si začít vytvářet vlastní finanční rezervy, to by mělo být nezbytné pro každého z nás.

Začněte šetřit hned teď

Pokud se dáte na šetření, takto zaplatíte nejprve sobě a až potom ostatním. Na konci měsíce vám takto jistě zůstane plánovaná rezerva. Tedy ne na konci, ale hned na jeho začátku. Finanční rezerva musí být nejdůležitější při jakémkoliv finančním plánování. Částka, kterou se budete měsíčně šetřit se stane jedním z vašich pravidelných “výdajů” a musíte ji zaplatit stejně jako telefon, internet nebo splátky za cokoli. Dobré cestovní pojištění pomůže ochránit vás i vaše finance, ať jste kdekoli.

Rezervu si odkládejte bokem

Zrušte všechny zbytečné výdaje nebo si vytvořte speciální účet, kde si pošlete pouze předem stanovenou pravidelnou částku na neplánované výdaje. Pokud tuto částku v daný měsíc utratíte, více už nesmíte. Pomoci může i stará dobrá kasička nebo pohár od marmelády. Jednoduše si tyto peníze třeba dát stranou. Pokud holdujete neřestem, využívejte akce na alkohol jako jsou na https://www.alkoholickenapoje.sk/akcie-a-zlavy/ nebo jiné výhodné nabídky.

Udělejte si plán výdajů

Udělejte si plán výdajů jako spoření, splátky úvěrů, bydlení. Nezapomínejte ani na náklady na bydlení, stravu, internet, mobilní telefon, paušál a jiné. Také pokud každý měsíc nakupujete ve výprodejích, i na to myslete při plánování výdajů. Stejně plánujte příjmy. Popřemýšlejte jak byste mohli zvýšit vaše příjmy. Buď prací nebo pronájmem. Díky tomuto plánu zjistěte, na co utrácíte mnoho nebo zbytečně na to jdou vaše výdaje, i když možná nemusí. Pokud máte plán nákupů, můžete nakupovat systematicky v sezónních výprodejích. Na okmažitě nákupy vždy využijte slevové kupóny, ty jsou zdarma a sleva může být v tisících.

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