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{"id":4089,"date":"2022-06-14T05:07:00","date_gmt":"2022-06-14T05:07:00","guid":{"rendered":"https:\/\/vahl.cz\/?p=4089"},"modified":"2023-08-18T16:07:13","modified_gmt":"2023-08-18T16:07:13","slug":"jak-na-osobni-finance-2","status":"publish","type":"post","link":"https:\/\/vahl.cz\/jak-na-osobni-finance-2\/","title":{"rendered":"Jak na osobn\u00ed finance – 2. d\u00edl"},"content":{"rendered":"\n

AKTUALIZACE (18. 8. 2023):<\/strong> Proto\u017ee mi n\u011bkolik z v\u00e1s psalo o nasd\u00edlen\u00ed m\u00e9 tabulky z tohoto \u010dl\u00e1nku, najdete ji zde: https:\/\/www.icloud.com\/numbers\/0d9IPQm1raiYBbe58wGbIrwTA#FINANCE_2023_pro_vahl<\/a><\/p>\n\n\n\n

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Je to u\u017e dlouho\u2026 Dlouho co jsem psal o pen\u011bz\u00edch – naposledy 3. 7. 2018<\/strong><\/a> a je mysl\u00edm \u010das, zhodnotit m\u016fj syst\u00e9m a t\u0159eba n\u011bkoho inspirovat k tomu, jak m\u016f\u017ee jednoduch\u00e1 tabulka pomoct v ka\u017edodenn\u00edm provozu k dlouhodob\u00fdm c\u00edl\u016fm. <\/p>\n\n\n\n
O tom, \u017ee m\u011b p\u0159ed lety inspiroval pan V\u00e1lka<\/a> (a st\u00e1le je to jeden z nejv\u00fdznamn\u011bj\u0161\u00edch vliv\u016f) jsem psal, d\u00e1le m\u011b ale velice ovlivnila kniha Bohat\u00fd t\u00e1ta, chud\u00fd t\u00e1ta<\/a> a p\u0159edev\u0161\u00edm dal\u0161\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed v t\u00e9matu finan\u010dn\u00ed gramotnosti (co\u017e je obzvl\u00e1\u0161\u0165 pro podnikatele absolutn\u00ed nutnost pro p\u0159e\u017eit\u00ed \ud83d\ude42). <\/p>\n\n\n\n
Co se zm\u011bnilo<\/strong><\/h3>\n\n\n\n
V prvn\u00ed \u0159ad\u011b je t\u0159eba zm\u00ednit, \u017ee pou\u017e\u00edv\u00e1m st\u00e1le ty stejn\u00e9 tabulky, kter\u00e9 jsem si p\u0159ed lety vytvo\u0159il. Pravda, pro\u0161ly relativn\u011b velk\u00fdmi zm\u011bnami, ale ten z\u00e1klad je st\u00e1le stejn\u00fd\u2026 Co u\u017e ale ned\u011bl\u00e1m je, \u017ee si nezapisuji do kategori\u00ed \u00fapln\u011b ka\u017edou platbu, kterou ud\u011bl\u00e1m. Jdu sp\u00ed\u0161e cestou budgetu\/rozpo\u010dtu na dan\u00fd m\u011bs\u00edc a ten rozd\u011bl\u00edm na \u010dty\u0159i hrom\u00e1dky a ty si \u017eij\u00ed sv\u00fdm \u201e\u017eivotem\u201c. <\/p>\n\n\n\n
1. \u201eModr\u00e1 hrom\u00e1dka\u201c = spole\u010dn\u00e9<\/strong><\/p>\n\n\n\n
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Proto\u017ee ne\u017eiju s\u00e1m, ale m\u00e1m rodinu je moje prvn\u00ed hrom\u00e1dka (a z\u00e1vazek) poslat v\u011bt\u0161\u00ed \u010d\u00e1st p\u0159\u00edchoz\u00edch pen\u011bz na spole\u010dn\u00e9 \u00fa\u010dty, kde s nimi v r\u00e1mci rodiny hospoda\u0159\u00edme. <\/li>\n\n\n\n
Z t\u00e9to hrom\u00e1dky plat\u00edme bydlen\u00ed a dal\u0161\u00ed n\u00e1klady na dom\u00e1cnost, na\u0161e zv\u00ed\u0159ectvo, j\u00eddlo a slu\u017eby. <\/li>\n\n\n\n
V principu se sna\u017e\u00edm polovinu p\u0159\u00edjmu vlo\u017eit sem. <\/li>\n\n\n\n
Na spole\u010dn\u00e9 \u00fa\u010dty p\u0159ijdou tak\u00e9 pen\u00edze od m\u00e9 drah\u00e9 polovi\u010dky. <\/li>\n<\/ul>\n\n\n\n
2. \u201e\u017dlut\u00e1 hrom\u00e1dka\u201c = investice<\/strong><\/p>\n\n\n\n
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Moje cesta k finan\u010dn\u00ed svobod\u011b a jak p\u00ed\u0161e Robert Kiyosaki<\/a> – zp\u016fsob jak vystoupit z krys\u00edho z\u00e1vodu. <\/li>\n\n\n\n
V principu se sna\u017e\u00edm co nejv\u00edce pen\u011bz d\u00e1t sem a nakoupit aktiva, kter\u00e1 budou vyr\u00e1b\u011bt pen\u00edze. <\/li>\n\n\n\n
Tzn. tady zam\u011bstn\u00e1v\u00e1m moje pen\u00edze, aby vyr\u00e1b\u011bly dal\u0161\u00ed pen\u00edze. \ud83d\ude42 <\/li>\n<\/ul>\n\n\n\n
3. \u201eZelen\u00e1 hrom\u00e1dka\u201c = rezerva<\/strong><\/p>\n\n\n\n
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Kdyby se n\u011bco pod\u011blalo nebo se stalo n\u011bco ne\u010dekan\u00e9ho\u2026 M\u00e1m tady prost\u0159edky, kter\u00e9 jsou okam\u017eit\u011b k dispozici. <\/li>\n\n\n\n
Z\u00e1rove\u0148 si tady odkl\u00e1d\u00e1m men\u0161\u00ed \u010d\u00e1st financ\u00ed, kter\u00e9 m\u016f\u017eu vyu\u017e\u00edt k radostem. <\/li>\n\n\n\n
V principu se tady sna\u017e\u00edm dr\u017eet jen ty nejnutn\u011bj\u0161\u00ed \u010d\u00e1stky, obzvl\u00e1\u0161\u0165 s p\u0159ihl\u00e9dnut\u00edm k inflaci. <\/li>\n\n\n\n
Tak\u017ee rezerva kdyby n\u011bco a ob\u00e1lky (spo\u0159\u00edc\u00ed \u00fa\u010det u Airbank) k odkl\u00e1d\u00e1n\u00ed pen\u00edzk\u016f na konkr\u00e9tn\u00ed kr\u00e1tkodob\u00e9 c\u00edle. <\/li>\n<\/ul>\n\n\n\n
4. \u201eOran\u017eov\u00e1 hrom\u00e1dka\u201c = ostatn\u00ed<\/strong><\/p>\n\n\n\n
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Co mi zbyde, skon\u010d\u00ed tady. A z toho zaplat\u00edm moje n\u00e1klady\/v\u00fddaje t\u0159eba na poji\u0161t\u011bn\u00ed nebo dobro\u010dinnost (Dobr\u00fd And\u011bl, Nocle\u017eenka, Paraple apod.).<\/li>\n\n\n\n
A kdy\u017e i tak n\u011bco z\u016fstane, je taky \u010das ud\u011blat si prost\u011b radost. T\u0159eba zaj\u00edt na pivko nebo na burger. <\/li>\n<\/ul>\n\n\n\n
A\u0165 jsem konkr\u00e9tn\u00ed, takto vypad\u00e1 aktu\u00e1ln\u011b moje p\u0159ehledov\u00e1 tabulka: <\/p>\n\n\n
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$\"\"$ <\/figure><\/div>\n\n\n
P\u0159itom je\u0161t\u011b na konci 2021 vypadala takto:<\/p>\n\n\n
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$\"\"$ <\/figure><\/div>\n\n\n
a ve zm\u00edn\u011bn\u00e9m \u010dl\u00e1nku m\u016f\u017eete vid\u011bt, jak vypadala<\/a> <\/strong>cca na za\u010d\u00e1tku. \ud83d\ude42 <\/p>\n\n\n\n
Co pravideln\u011b sleduji <\/strong><\/h3>\n\n\n\n
V prvn\u00ed tabulce m\u016f\u017eete vid\u011bt krom\u011b t\u00e9 hlavn\u00ed \u010d\u00e1sti, tak\u00e9 na prav\u00e9 stran\u011b jednotliv\u00e9 bloky, kter\u00e9 mi pom\u00e1haj\u00ed udr\u017eovat sm\u011br<\/strong>. <\/p>\n\n\n\n
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Nap\u0159. hodnoty m\u00fdch investic, proto\u017ee chci do n\u011bjak\u00e9ho roku dos\u00e1hnout n\u011bjak\u00e9ho \u010d\u00edsla (a mimochodem jako odm\u011bnu si koupit Rolex Submariner<\/a> \ud83d\ude42). <\/li>\n\n\n\n
Z\u00e1rove\u0148 m\u011b zaj\u00edm\u00e1 pom\u011br m\u00e9ho majetku\/prost\u0159edk\u016f vs dluhu. (V jin\u00e9 tabulce vid\u00edm detailn\u00ed \u010d\u00edsla, kter\u00e1 porovn\u00e1v\u00e1m ka\u017ed\u00fd p\u016fl rok.)<\/li>\n\n\n\n
Novinkou je pom\u011br aktiv vs pasiv\u2026 Co\u017e je p\u0159\u00edmo ze zm\u00edn\u011bn\u00e9 knihy Bohat\u00fd t\u00e1ta, chud\u00fd t\u00e1ta\u2026 Aktiva jsou v\u011bci, kter\u00e9 pen\u00edze do m\u00e9 kapsy strkaj\u00ed \/ Pasiva jsou v\u011bci, kter\u00e9 pen\u00edze z m\u00e9 kapsy tahaj\u00ed. Co\u017e se m\u00edrn\u011b odli\u0161uje od pohledu v rozvaze apod. <\/li>\n\n\n\n
Sleduji tak\u00e9 zhodnocen\u00ed m\u00e9ho akciov\u00e9ho portfolia, ikdy\u017e to pro m\u011b nen\u00ed tak d\u016fle\u017eit\u00e9, proto\u017ee jedu long term, tedy dlouhodob\u011b a prakticky za \u017e\u00e1dn\u00fdch okolnost\u00ed nic neprod\u00e1v\u00e1m. <\/li>\n\n\n\n
Kv\u016fli nejistot\u00e1m v\u0161ude kolem, jsem si p\u0159idal jednoduch\u00fd v\u00fdpo\u010det, kter\u00fd zohled\u0148uje prost\u0159edky ze \u201eZelen\u00e9 hrom\u00e1dky\u201c vs. m\u011bs\u00ed\u010dn\u00ed n\u00e1klady = a \u0159\u00edk\u00e1 mi, jak dlouho bych vydr\u017eel bez jak\u00e9hokoliv p\u0159\u00edjmu. <\/li>\n\n\n\n
Grafy dole jsou tak trochu pro motivaci\u2026 Oba zobrazuj\u00ed stejn\u00e1 (celkov\u00fd majetek) \u010d\u00edsla, jen z jin\u00e9ho pohledu. A zobrazuj\u00ed historii a predikci budouc\u00edho trendu.\n
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Jedn\u00edm je rozlo\u017een\u00ed na kategorie: majetek, kapit\u00e1l, investice, dluhy. <\/li>\n\n\n\n
Druh\u00fdm je rozlo\u017een\u00ed na aktiva a pasiva. <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n
Souhrn cel\u00e9ho syst\u00e9mu<\/h3>\n\n\n\n
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Ka\u017ed\u00fd m\u011bs\u00edc za\u010d\u00edn\u00e1m s 0 na \u00fa\u010dt\u011b. Tzn. ve\u0161ker\u00fd p\u0159\u00edjem v m\u011bs\u00edci do 1. dne v n\u00e1sleduj\u00edc\u00edm m\u011bs\u00edci zmiz\u00ed dle „hrom\u00e1dek“ v\u00fd\u0161e.<\/li>\n\n\n\n
Hrom\u00e1dky jsou se\u0159azen\u00e9 dle priorit. Tzn. pokud by byl celkov\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem mal\u00fd, nemus\u00ed se „dostat“ pen\u011bz do v\u0161ech „hrom\u00e1dek“. <\/li>\n\n\n\n
Jednotliv\u00e9 polo\u017eky do \u017elut\u00e9 hrom\u00e1dka jsou pravideln\u011b nastaven\u00e9 p\u0159\u00edkazy. Tzn. pen\u00edze automaticky odch\u00e1zej\u00ed z \u00fa\u010dtu. TIP: Nenech\u00e1vejte to nakonec m\u011bs\u00edce, taky se m\u016f\u017ee st\u00e1t, \u017ee V\u00e1m vlastn\u011b nic nez\u016fstane (a to se t\u00fdk\u00e1 nejen investic\/spo\u0159en\u00ed, ale tak\u00e9 odlo\u017een\u00ed do rezervy).<\/strong><\/li>\n\n\n\n
Zelen\u00e1 hrom\u00e1dka je v principu spo\u0159\u00edc\u00ed \u00fa\u010det u Airbank se sv\u00fdmi ob\u00e1lkami. Tzn. nejen \u017ee je to odd\u011blen\u00fd samostatn\u00fd \u00fa\u010det, ale tak\u00e9 k n\u011bmu nem\u00e1m kartu (+ nepou\u017e\u00edv\u00e1m k \u017e\u00e1dn\u00fdm platb\u00e1m na ciz\u00ed \u00fa\u010dty = nikdo ciz\u00ed nezn\u00e1 ani \u010d\u00edslo \u00fa\u010dtu). <\/li>\n\n\n\n
Pokud n\u011bco z\u016fstane na konci m\u011bs\u00edce, p\u0159esouv\u00e1m 1. den v n\u00e1sleduj\u00edc\u00edm m\u011bs\u00edci do „zelen\u00e9 hrom\u00e1dky“ (p\u0159\u00edpadn\u011b do „\u017elut\u00e9“). <\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"
AKTUALIZACE (18. 8. 2023): Proto\u017ee mi n\u011bkolik z v\u00e1s psalo o nasd\u00edlen\u00ed m\u00e9 tabulky z tohoto \u010dl\u00e1nku, najdete ji zde: https:\/\/www.icloud.com\/numbers\/0d9IPQm1raiYBbe58wGbIrwTA#FINANCE_2023_pro_vahl Je to u\u017e dlouho\u2026 Dlouho co jsem psal o pen\u011bz\u00edch – naposledy 3. 7. 2018 a je mysl\u00edm \u010das, zhodnotit m\u016fj syst\u00e9m a t\u0159eba n\u011bkoho inspirovat k tomu, jak m\u016f\u017ee jednoduch\u00e1 tabulka pomoct v […]<\/p>\n","protected":false},"author":3,"featured_media":4249,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[8],"tags":[471,508,371,281,280,460,44,283,279,287,196,284,285,12,58,286],"_links":{"self":[{"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/posts\/4089"}],"collection":[{"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/comments?post=4089"}],"version-history":[{"count":10,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/posts\/4089\/revisions"}],"predecessor-version":[{"id":4394,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/posts\/4089\/revisions\/4394"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/media\/4249"}],"wp:attachment":[{"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/media?parent=4089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/categories?post=4089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vahl.cz\/wp-json\/wp\/v2\/tags?post=4089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}