{"id":5534,"date":"2017-11-02T19:42:30","date_gmt":"2017-11-02T18:42:30","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=5534"},"modified":"2023-07-12T14:07:04","modified_gmt":"2023-07-12T12:07:04","slug":"rodinny-rozpocet","status":"publish","type":"how_to","link":"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/","title":{"rendered":"Rodinn\u00fd rozpo\u010det"},"content":{"rendered":"\n<p>Zn\u00e1te to, neust\u00e1le se sna\u017e\u00edme <strong>p\u0159estat \u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b. <\/strong>A st\u00e1le a st\u00e1le se n\u00e1m to neda\u0159\u00ed. V \u010dem je vlastn\u011b ten probl\u00e9m?<\/p>\n\n\n\n<p>Z\u00e1kladem dobr\u00fdch osobn\u00edch financ\u00ed je <strong>m\u00edt p\u0159ehled. <\/strong>Proto i m\u00edt rodinn\u00fd rozpo\u010det je alfou a omegou zdrav\u00e9ho fungov\u00e1n\u00ed rodiny z finan\u010dn\u00edho hlediska. <\/p>\n\n\n\n<p>M\u00edt <strong>p\u0159ehled o vlastn\u00edch v\u00fddaj\u00edch<\/strong> a o tom, kam se ka\u017ed\u00fd m\u011bs\u00edc tak rychle rozkut\u00e1lej\u00ed va\u0161e pen\u00edze, v\u00e1m v budoucnu pom\u016f\u017ee.<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Co_je_to_rodinn_rozpoet\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Co_je_to_rodinn_rozpoet\">\n\t\t\t\t\t\t\tCo je to rodinn\u00fd rozpo\u010det?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Pro_je_dobr_mt_rodinn_rozpoet\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Pro_je_dobr_mt_rodinn_rozpoet\">\n\t\t\t\t\t\t\tPro\u010d je dobr\u00e9 m\u00edt rodinn\u00fd rozpo\u010det?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Jak_sestavit_rodinn_rozpoet\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Jak_sestavit_rodinn_rozpoet\">\n\t\t\t\t\t\t\tJak sestavit rodinn\u00fd rozpo\u010det?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Celkov_pjmy_domcnosti\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Celkov_pjmy_domcnosti\">\n\t\t\t\t\t\t\tCelkov\u00e9 p\u0159\u00edjmy dom\u00e1cnosti\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Pravideln_vdaje_domcnosti\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Pravideln_vdaje_domcnosti\">\n\t\t\t\t\t\t\tPravideln\u00e9 v\u00fddaje dom\u00e1cnosti\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Jak_spravovat_rodinn_rozpoet\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">6.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Jak_spravovat_rodinn_rozpoet\">\n\t\t\t\t\t\t\tJak spravovat rodinn\u00fd rozpo\u010det?\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Rodinn_rozpoet_vzor\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">7.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Rodinn_rozpoet_vzor\">\n\t\t\t\t\t\t\tRodinn\u00fd rozpo\u010det vzor\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Rady_na_zvr\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">8.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/cz\/jak-na-to\/rodinny-rozpocet\/#Rady_na_zvr\">\n\t\t\t\t\t\t\tRady na z\u00e1v\u011br\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p>Pomoc\u00ed<strong> spr\u00e1vn\u011b nastaven\u00e9ho m\u011bs\u00ed\u010dn\u00edho rodinn\u00e9ho rozpo\u010dtu<\/strong> dom\u00e1cnosti tak hrav\u011b naleznete mo\u017en\u00e1 na prvn\u00ed pohled neviditeln\u00e9 zdroje pro rezervy a \u00faspory, co\u017e v\u00e1m pom\u016f\u017ee l\u00e9pe se p\u0159ipravit na ne\u010dekan\u00e9 v\u00fddaje.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Co_je_to_rodinn_rozpoet\">Co je to rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Pod pojmem rodinn\u00fd rozpo\u010det si m\u016f\u017eeme p\u0159edstavit<strong>\u00a0pl\u00e1n finan\u010dn\u00edho hospoda\u0159en\u00ed dom\u00e1cnosti.<\/strong><\/p>\n\n\n\n<p>Vytvo\u0159en\u00ed a n\u00e1sledn\u00e9 dlouhodob\u00e9\u00a0<strong>udr\u017eov\u00e1n\u00ed rodinn\u00e9ho rozpo\u010dtu<\/strong>\u00a0znamen\u00e1, \u017ee l\u00e9pe pozn\u00e1te sv\u00e9 p\u0159\u00edjmy a v\u00fddaje dom\u00e1cnosti.<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 z\u00edsk\u00e1te\u00a0<strong>v\u011bt\u0161\u00ed kontrolu nad finan\u010dn\u00ed situac\u00ed va\u0161\u00ed rodiny<\/strong>\u00a0a v\u00fdrazn\u011b sn\u00ed\u017e\u00edte riziko zbyte\u010dn\u00fdch v\u00fddaj\u016f \u010di p\u0159\u00edpadn\u00e9ho zadlu\u017eov\u00e1n\u00ed.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"783\" height=\"641\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/rodinny-rozpocet-ikonky.jpg\" alt=\"\" class=\"wp-image-30372\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/rodinny-rozpocet-ikonky.jpg 783w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/rodinny-rozpocet-ikonky-300x246.jpg 300w, https:\/\/financer.com\/app\/uploads\/sites\/10\/2022\/02\/rodinny-rozpocet-ikonky-768x629.jpg 768w\" sizes=\"(max-width: 783px) 100vw, 783px\" \/><\/figure><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pro_je_dobr_mt_rodinn_rozpoet\">Pro\u010d je dobr\u00e9 m\u00edt rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Vytvo\u0159it si rozpo\u010det opravdu nen\u00ed za trest. Nen\u00ed to ani <strong>nic hrozn\u00e9ho, co by v\u00e1s donutilo se\u0161krtat \u00fapln\u011b v\u0161echno, <\/strong>co m\u00e1te r\u00e1di. Jen\u017ee v\u011bt\u0161inou c\u00edt\u00edme v\u00fd\u010ditky a nejistotu, kdykoli n\u011bco kupujeme. <\/p>\n\n\n\n<p>Nejsme si jist\u00ed, <strong>jestli m\u00e1me dostatek pen\u011bz.<\/strong> V hlav\u011b si ale ud\u011bl\u00e1me hrub\u00fd odhad a dojdeme k z\u00e1v\u011bru, \u017ee by to m\u011blo b\u00fdt v po\u0159\u00e1dku. M\u011bli bychom do konce m\u011bs\u00edce vyj\u00edt. M\u011bli. Jen\u017ee n\u00e1m pen\u00edze nevysta\u010d\u00ed.<\/p>\n\n\n\n<p>Rodinn\u00fd <strong>rozpo\u010det nen\u00ed n\u011bco, za co bychom se m\u011bli styd\u011bt,<\/strong> a k \u010demu bychom se uchylovali jako k posledn\u00ed mo\u017enosti. Proto\u017ee tohle u\u017e nem\u016f\u017ee b\u00fdt d\u00e1l od pravdy. Tvorba rozpo\u010dtu skute\u010dn\u011b nen\u00ed potrest\u00e1n\u00ed.<\/p>\n\n\n\n<p>Naopak se mu sp\u00ed\u0161e vyh\u00fdb\u00e1me jen kv\u016fli strachu. Na\u0161\u00ed obav\u011b, \u017ee uvid\u00edme v jasn\u00e9m sv\u011btle <strong>kolik skute\u010dn\u011b utr\u00e1c\u00edme. <\/strong>Kolik m\u00e1me dluh\u016f. A \u017ee se budeme muset zbavit hromady v\u011bc\u00ed, kter\u00e9 milujeme. Jen\u017ee rozpo\u010dtov\u00e1n\u00ed je sp\u00ed\u0161e takov\u00e9 &#8222;rozsv\u00edcen\u00ed tmav\u00e9 m\u00edstnosti.&#8220;<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Rodinn\u00fd rozpo\u010det p\u016fsob\u00ed podobn\u011b pro osobn\u00ed finance p\u0159esn\u011b jako to sv\u011btlo. Osv\u011btluje <strong>celou na\u0161i finan\u010dn\u00ed situaci.<\/strong> Nep\u00ed\u0161e se proto, aby n\u00e1m ovl\u00e1dal \u017eivot. Slou\u017e\u00ed toti\u017e jen jako n\u00e1stroj, kter\u00fdm si m\u016f\u017eete vybudovat \u0161\u0165astn\u011bj\u0161\u00ed \u017eivot.<\/p>\n<p>Proto\u017ee a\u017e zjist\u00edte,<strong> kudy va\u0161e pen\u00edze skute\u010dn\u011b proud\u00ed,<\/strong> v\u011bt\u0161ina va\u0161\u00ed sou\u010dasn\u00e9 nervozity se ztrat\u00ed. Stejn\u011b tak v\u011bt\u0161ina stresu a nejistoty. Najednou za\u010dnete vid\u011bt skute\u010dn\u00e9 mo\u017enosti.<\/p>\n<p>Kde sn\u00ed\u017eit v\u00fddaje. Kter\u00e9 platby se daj\u00ed nastavit jako trval\u00e9 p\u0159\u00edkazy. <strong>Co se d\u00e1 vy\u0161krtnout \u00fapln\u011b a co za\u0159adit nov\u00e9ho.<\/strong> A \u010d\u00edm v\u00edce nervozity zmiz\u00ed, t\u00edm v\u011bt\u0161\u00ed klid v du\u0161i budete m\u00edt.<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jak_sestavit_rodinn_rozpoet\">Jak sestavit rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>V prvn\u00ed \u0159ad\u011b si budete muset<strong> za\u010d\u00edt evidovat p\u0159\u00edjmy, ale i v\u00fddaje <\/strong>va\u0161\u00ed dom\u00e1cnosti. V dne\u0161n\u00ed dob\u011b ji\u017e existuje n\u011bkolik osv\u011bd\u010den\u00fdch zp\u016fsob\u016f, kter\u00fdmi m\u016f\u017eete v\u0161echny sv\u00e9 p\u0159\u00edjmy a v\u00fddaje snadno zaznamen\u00e1vat.<\/p>\n\n\n\n<p>Pokud pat\u0159\u00edte ke star\u00e9 \u0161kole bude v\u00e1m sta\u010dit pero a pap\u00edr. N\u011bkdo zase st\u00e1le ned\u00e1 dopustit na star\u00e9 dobr\u00e9 tabulky v excelu. Mezi nejpou\u017e\u00edvan\u011bj\u0161\u00ed v\u0161ak aktu\u00e1ln\u011b pat\u0159\u00ed <strong>mobiln\u00ed aplikace pro spr\u00e1vu osobn\u00edho nebo rodinn\u00e9ho rozpo\u010dtu.<\/strong> D\u00edky nim budete m\u00edt p\u0159ehled o sv\u00fdch p\u0159\u00edjmech a v\u00fddaj\u00edch neust\u00e1le dostupn\u00fd p\u0159\u00edmo u sebe.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Aplikace_rodinn_rozpoet\">Aplikace rodinn\u00fd rozpo\u010det<\/h3><p>Aplikace pro spr\u00e1vu rozpo\u010dtu p\u0159edstavuj\u00ed \u00fa\u010dinn\u00fd zp\u016fsob, jak z\u00edskat p\u0159ehled ve vlastn\u00edch financ\u00edch. Pod\u00edvejte se na v\u00fdb\u011br <a href=\"https:\/\/financer.com\/cz\/blog\/aplikace-spravce-financi\/\">nejlep\u0161\u00edch aplikac\u00ed pro spr\u00e1vu rozpo\u010dtu<\/a> a vyberte si.<\/p><\/div>\n\n\n<p>Abyste mohli <strong>za\u010d\u00edt evidovat sv\u00e9 p\u0159\u00edjmy a v\u00fddaje<\/strong> a dok\u00e1zat si tak v\u00e9st a\u0165 u\u017e osobn\u00ed nebo rodinn\u00fd rozpo\u010det, pot\u0159ebujete na konci ka\u017ed\u00e9ho dne nezapom\u00ednat na evidenci p\u0159\u00edjm\u016f a v\u00fddaj\u016f.<\/p>\n\n\n\n<p>Mus\u00edte b\u00fdt vytrval\u00ed. Mo\u017en\u00e1 se v\u00e1m to b\u011bhem prvn\u00edch m\u011bs\u00edc\u016f bude zd\u00e1t jako otrava, \u010dasem v\u0161ak zjist\u00edte, \u017ee tato <strong>zaznamen\u00e1v\u00e1n\u00ed maj\u00ed smysl<\/strong> a postupn\u011b za\u010dnete rozum\u011bt va\u0161im rodinn\u00fdm financ\u00edm.<\/p>\n\n\n\n<p>P\u0159i tvorb\u011b rodinn\u00e9ho rozpo\u010dtu je <strong>t\u0159eba zachov\u00e1vat ur\u010ditou posloupnost.<\/strong> Jen tak si budete na konci ka\u017ed\u00e9ho m\u011bs\u00edce jisti, \u017ee rozpo\u010det zobrazuje va\u0161i skute\u010dnou finan\u010dn\u00ed situaci bez p\u0159ikr\u00e1\u0161len\u00ed a polopravd.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Celkov_pjmy_domcnosti\">Celkov\u00e9 p\u0159\u00edjmy dom\u00e1cnosti<\/h2>\n\n\n\n<p>Logicky, na za\u010d\u00e1tku bychom m\u011bli m\u00edt jasn\u00fd<strong> seznam v\u0161ech na\u0161ich \u010dist\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f.<\/strong> Krom\u011b v\u00fdplaty sem m\u016f\u017eeme za\u0159adit zisk z n\u00e1jemn\u00e9ho, pr\u00e9mie, soci\u00e1ln\u00ed d\u00e1vky a podobn\u011b. Pokud n\u011bkter\u00fd z va\u0161ich p\u0159\u00edjm\u016f je v\u00e1m vypl\u00e1cen nap\u0159\u00edklad jednou \u010dtvrtletn\u011b, rozpo\u010d\u00edtejte si jej na m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Prce\">Pr\u00e1ce<\/h3>\n\n\n\n<p>Je dobr\u00e9 nebo sp\u00ed\u0161 nutn\u00e9 ps\u00e1t <strong>v\u017edy \u010dist\u00fd p\u0159\u00edjem.<\/strong> \u010cili to, co re\u00e1ln\u011b dostanete a je\u0161t\u011b na korunu p\u0159esn\u011b. U zam\u011bstn\u00e1n\u00ed s fixn\u00edm platem je to jednoduch\u00e9. Sta\u010d\u00ed se pod\u00edvat na<strong> v\u00fdpis z bankovn\u00edho \u00fa\u010dtu<\/strong> nebo na v\u00fdplatn\u00ed p\u00e1sku. Tak\u017ee zap\u00ed\u0161ete tohle \u010d\u00edslo a jdete d\u00e1le.<\/p>\n\n\n\n<p>U zam\u011bstn\u00e1n\u00ed s pohybliv\u00fdm platem a <strong>podnik\u00e1n\u00ed na \u017eivnost<\/strong> zap\u00ed\u0161ete kolik dostanete minim\u00e1ln\u011b. Tedy jakoukoli pevnou \u010d\u00e1st platu nebo p\u0159i hodinov\u00e9 sazb\u011b \u010d\u00e1stku, jakou <strong>\u010dek\u00e1te v tom nejhor\u0161\u00edm mo\u017en\u00e9m p\u0159\u00edpad\u011b.<\/strong> N\u011bkdy je trochu t\u011b\u017e\u0161\u00ed na to \u010d\u00edslo p\u0159ij\u00edt, ale pro seps\u00e1n\u00ed dobr\u00e9ho rozpo\u010dtu je to d\u016fle\u017eit\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pspvky_od_zamstnavatele\">P\u0159\u00edsp\u011bvky od zam\u011bstnavatele<\/h3>\n\n\n\n<p>Daj\u00ed se sem napsat skoro jak\u00e9koli firemn\u00ed benefity, ale snadno se daj\u00ed napsat jen ty, co maj\u00ed alespo\u0148 trochu pen\u011b\u017en\u00ed formu. <strong>P\u0159\u00edsp\u011bvek na l\u00e9k\u00e1rny, doj\u00ed\u017ed\u011bn\u00ed, <\/strong>bydlen\u00ed nebo t\u0159eba stravenky d\u00edky n\u011bkter\u00fdm nemus\u00edte vytahovat pen\u00edze ze sv\u00e9 kapsy. A\u0165 u\u017e p\u0159\u00edmo, nebo nep\u0159\u00edmo.<\/p>\n\n\n\n<p>U n\u011bkter\u00fdch se ned\u00e1 posoudit okam\u017eit\u00fd p\u0159\u00ednos, nebo by se zapisovaly jen opravdu t\u011b\u017eko. T\u0159eba <strong>p\u0159\u00edsp\u011bvek na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed <\/strong>od zam\u011bstnavatele je skv\u011bl\u00e1 v\u011bc, ale do tabulky rodinn\u00e9ho rozpo\u010dtu se ned\u00e1 napsat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pspvky_od_sttu\">P\u0159\u00edsp\u011bvky od st\u00e1tu<\/h3>\n\n\n\n<p>A\u0165 u\u017e jde o pen\u011b\u017eitou pomoc v mate\u0159stv\u00ed, rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, p\u0159\u00eddavky na d\u00edt\u011b, p\u0159\u00edsp\u011bvek na bydlen\u00ed, d\u016fchod (invalidn\u00ed i starobn\u00ed), podpora v nezam\u011bstnanosti, p\u0159\u00edsp\u011bvek na doj\u00ed\u017ed\u011bn\u00ed od st\u00e1tu nebo p\u0159\u00edsp\u011bvek na p\u00e9\u010di.<\/p>\n\n\n\n<p>To znamen\u00e1 v\u0161e co v\u00e1m <strong>chod\u00ed pravideln\u011b a stabiln\u011b<\/strong>, tedy v\u0161e, co tvo\u0159\u00ed rodinn\u00fd rozpo\u010det, je t\u0159eba zapsat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Dal_pjmy_do_rozpotu_domcnosti\">Dal\u0161\u00ed p\u0159\u00edjmy do rozpo\u010dtu dom\u00e1cnosti<\/h3>\n\n\n\n<p>M\u016f\u017ee j\u00edt t\u0159eba o<strong> alimenty nebo p\u0159\u00edjmy z pron\u00e1jmu.<\/strong> Nebo t\u0159eba kapit\u00e1lov\u00e9 zisky. Zn\u00ed to zvl\u00e1\u0161tn\u011b, dost\u00e1vat pravideln\u011b pen\u00edze prakticky za nic. Tedy dividendy z akci\u00ed, v\u00fdplaty kup\u00f3n\u016f z dluhopis\u016f nebo <strong>pod\u00edly na zisku z investi\u010dn\u00edch p\u0159\u00edle\u017eitost\u00ed.<\/strong><\/p>\n\n\n\n<p>Dobr\u00e9 je, \u017ee jakmile se \u010dlov\u011bk dostane <strong>na spr\u00e1vnou cestu osobn\u00edch financ\u00ed,<\/strong> jsou tyto dob\u0159e zn\u011bj\u00edc\u00ed v\u011bci na dohled.<\/p>\n\n\n\n<p>Prvn\u00edm krokem je <strong>seps\u00e1n\u00ed dobr\u00e9ho osobn\u00edho nebo rodinn\u00e9ho rozpo\u010dtu. <\/strong>N\u00e1sledn\u011b, po se\u010dten\u00ed v\u0161ech p\u0159\u00edjm\u016f v\u00e1s a va\u0161\u00ed polovi\u010dky p\u0159ed sebou m\u00e1te kompletn\u00ed m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmovou str\u00e1nku rozpo\u010dtu ur\u010duj\u00edc\u00ed va\u0161e maxim\u00e1ln\u00ed v\u00fddaje. A \u010d\u00e1stka, kterou byste <strong>nem\u011bli za \u017e\u00e1dn\u00fdch okolnost\u00ed p\u0159ekro\u010dit,<\/strong> pokud nechcete \u017e\u00edt na dluh.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pravideln_vdaje_domcnosti\">Pravideln\u00e9 v\u00fddaje dom\u00e1cnosti<\/h2>\n\n\n\n<p>Po zvl\u00e1dnut\u00ed p\u0159\u00edjmov\u00e9 \u010d\u00e1sti rodinn\u00e9ho rozpo\u010dtu p\u0159ejd\u011bte na v\u00fddaje. Vytvo\u0159te si <strong>co nejp\u0159esn\u011bj\u0161\u00ed seznam<\/strong> v\u0161eho, na co obvykle vynakl\u00e1d\u00e1te sv\u00e9 pen\u00edze. V\u0161e, co v\u00e1m pou\u0161t\u00ed finan\u010dn\u00ed \u017eilou a v\u0161echno, co z va\u0161ich pen\u011b\u017eenek neust\u00e1le a stabiln\u011b mizne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Bydlen\">Bydlen\u00ed<\/h3>\n\n\n\n<p>Ka\u017ed\u00fd \u010dlov\u011bk mus\u00ed n\u011bkde bydlet. To obn\u00e1\u0161\u00ed dost<strong> velk\u00e9 n\u00e1klady. <\/strong>N\u00e1jem nebo spl\u00e1tka hypot\u00e9ky, <strong>n\u00e1klady na energie,<\/strong> tedy nap\u0159\u00edklad: elekt\u0159ina, oh\u0159ev vody, plyn, samotn\u00e1 voda. D\u00e1le poplatek za odvoz odpadu nebo poplatek za psa a p\u0159\u00edpadn\u00e9 poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/p>\n\n\n\n<p>Mnoh\u00e9 poplatky je <strong>t\u0159eba si rozpo\u010d\u00edtat, <\/strong>nap\u0159\u00edklad poplatky za popelnice. P\u0159i dvou lidech a p\u011btistovce ro\u010dn\u011b za osobu to jde zaokrouhlit na kr\u00e1sn\u00fdch 100 korun m\u011bs\u00ed\u010dn\u011b. To sam\u00e9 p\u0159i poplatku za psa, nebo tak jde rozpo\u010d\u00edtat i elekt\u0159ina a topen\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip\">Tip<\/h3><p>Abychom se elegantn\u011b <strong>vyhli doplatk\u016fm<\/strong>, tak si sta\u010d\u00ed vz\u00edt lo\u0148sk\u00e9 vy\u00fa\u010dtov\u00e1n\u00ed a vyd\u011blit celkov\u00e9 n\u00e1klady dvan\u00e1cti. Zbytek je u\u017e jen zavolat a <strong>nechat si na tuhle \u010d\u00e1stku zvednout z\u00e1lohy<\/strong>. Dal\u0161\u00ed rok u\u017e nebudou doplatky v \u0159\u00e1dech tis\u00edcovek. Bude to zhruba nula od nuly pojde a to u\u017e je mnohem p\u0159ijateln\u011bj\u0161\u00ed.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Doprava\">Doprava<\/h3>\n\n\n\n<p>Bydl\u00edme a tak\u00e9 se pot\u0159ebujeme dostat n\u011bjak do pr\u00e1ce. <strong>U<\/strong> <strong>hromadn\u00e9 dopravy <\/strong>nejsou v\u00fddaje a\u017e tak hrozn\u00e9 jako u vlastn\u00edho auta. <strong>Ro\u010dn\u00ed l\u00edta\u010dka v Praze<\/strong> vyjde na 3650 K\u010d. <\/p>\n\n\n\n<p>S vlastn\u00edm autem se <strong>poj\u00ed n\u011bkolik poplatk\u016f. <\/strong>Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad: spl\u00e1tka, povinn\u00e9 ru\u010den\u00ed (tak\u00e9 je dobr\u00e9 ho rozpo\u010d\u00edtat na m\u011bs\u00edce), alespo\u0148 trochu odhadnout o\u010dek\u00e1van\u00e9 n\u00e1klady na \u00fadr\u017ebu a palivo. V p\u0159\u00edpad\u011b, \u017ee jezd\u00edte pravideln\u011b, m\u011bli byste v\u011bd\u011bt <strong>p\u0159edpokl\u00e1dan\u00e9 v\u00fddaje na palivo.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip\">Tip<\/h3><p>Vynulujte si po\u010d\u00edtadlo kilometr\u016f a jezd\u011bte jako norm\u00e1ln\u011b. Za t\u0159i, \u010dty\u0159i t\u00fddny se pod\u00edv\u00e1te,<strong> kolik jste vlastn\u011b najezdili.<\/strong> Vid\u00edm 820 kilometr\u016f, spot\u0159ebu m\u00e1m \u0161est na sto a litr benzinu vid\u00edm na benzince za 31 korun. Tak\u017ee si zap\u00ed\u0161u 1530 korun <strong>m\u011bs\u00ed\u010dn\u00ed v\u00fddaje za palivo<\/strong> a u\u017e ne\u0159e\u0161\u00edm, kde budu hledat po kaps\u00e1ch mince, abych v\u016fbec dotankoval.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"ivotn_nklady\">\u017divotn\u00ed n\u00e1klady<\/h3>\n\n\n\n<p>D\u00e1le je t\u0159eba si zapsat kolik utrat\u00edte na:<\/p>\n\n\n\n<ul>\n<li>J\u00eddlo<\/li>\n\n\n\n<li>Oble\u010den\u00ed<\/li>\n\n\n\n<li>Drogerii<\/li>\n\n\n\n<li>Z\u00e1bavu<\/li>\n\n\n\n<li>Kapest\u00e9 d\u011btem<\/li>\n<\/ul>\n\n\n\n<p><strong>V\u00fddaje za z\u00e1bavu<\/strong> jsou tak\u00e9 nutn\u00e9. Zcela v\u00e1\u017en\u011b, bez rozpo\u010dtu na z\u00e1bavu a u\u017e\u00edv\u00e1n\u00ed \u017eivota p\u016fjde cel\u00fd rodinn\u00fd rozpo\u010det do h\u00e1je. <\/p>\n\n\n\n<p>V opravdu <strong>\u0161patn\u00e9 situaci ho jde sn\u00ed\u017eit <\/strong>na minimum, ale ka\u017ed\u00fd z n\u00e1s pot\u0159ebuje n\u011bjakou \u010d\u00e1stku, aby ji mohl rozfofrovat na cokoli uzn\u00e1 za vhodn\u00e9. O \u010dem by jinak v\u016fbec \u017eivot byl?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sluby\">Slu\u017eby<\/h3>\n\n\n\n<p>Sem pat\u0159\u00ed <strong>pau\u0161\u00e1l nebo kredit na telefon, <\/strong>p\u0159ipojen\u00ed k internetu, kabelovka, HBO, Netflix, p\u0159edplatn\u00e9 novin, magaz\u00edn\u016f a hudby jako t\u0159eba Google Play nebo Spotify.<\/p>\n\n\n\n<p>V\u011bt\u0161ina t\u011bhle p\u0159edplatn\u00fdch je dobr\u00e1 a z\u00e1bavn\u00e1. Ale ve chv\u00edli, kdy <strong>bude pot\u0159eba trochu uvolnit napjat\u00fd rodinn\u00fd rozpo\u010det,<\/strong> je tahle kategorie prvn\u00ed na r\u00e1n\u011b. Je dobr\u00e9 n\u011bkter\u00e9 slu\u017eby m\u00edt, ale pro \u017eivot nejsou nezbytn\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ostatn_nklady\">Ostatn\u00ed n\u00e1klady<\/h3>\n\n\n\n<p>V prv\u00e9 \u0159ad\u011b jsou tady v\u0161echny spl\u00e1tky p\u016fj\u010dek a \u00fav\u011br\u016f, spo\u0159en\u00ed, \u0161et\u0159en\u00ed na d\u016fchod, \u017eivotn\u00ed a \u00farazov\u00e1 poji\u0161t\u011bn\u00ed a klidn\u011b i bankovn\u00ed poplatky.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Revolut\">Revolut<\/h3><p>Pokud hled\u00e1te aplikaci, pomoc\u00ed kter\u00e9 budete m\u00edt sv\u00e9<strong> p\u0159\u00edjmy i v\u00fddaje pod kontrolou<\/strong> zkuste Revolut. Jedn\u00e1 se o internetovou banku, u kter\u00e9 je nav\u00edc mo\u017enost m\u00edt \u00fa\u010det zcela zdarma, tak\u017ee ur\u010dit\u011b nezat\u00ed\u017e\u00ed v\u00e1\u0161 rodinn\u00fd rozpo\u010det.<\/p>\n<p>Pro v\u00edce informac\u00ed si p\u0159e\u010dt\u011bte na\u0161i podrobnou <a href=\"https:\/\/financer.com\/cz\/spolecnost\/revolut\/\">Revolut recenzi.<\/a><\/p><p class=\"has-text-centered\">\n\t <a href=\"https:\/\/financer.com\/cz\/spolecnost\/revolut\/\" class=\"button is-normal is-primary is-rounded is-large\">Chci Revolut <\/a>\n\t<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jak_spravovat_rodinn_rozpoet\">Jak spravovat rodinn\u00fd rozpo\u010det?<\/h2>\n\n\n\n<p>Pot\u00e9, co jste si zaznamenali v\u0161echny p\u0159\u00edjmy a v\u00fddaje dom\u00e1cnosti, p\u0159ejd\u011bte ke <strong>srovn\u00e1n\u00ed<\/strong> <strong>v\u00fd\u0161e p\u0159\u00edjm\u016f a v\u00fddaj\u016f.<\/strong> Rodinn\u00fd rozpo\u010det m\u016f\u017ee b\u00fdt dlouhodob\u011b prosperuj\u00edc\u00ed pouze v p\u0159\u00edpad\u011b, \u017ee<strong> p\u0159\u00edjmy budou vy\u0161\u0161\u00ed ne\u017e v\u00fddaje.<\/strong><\/p>\n\n\n\n<p>Ur\u010dit\u011b stoj\u00ed za zv\u00e1\u017een\u00ed <strong>p\u0159ehodnotit va\u0161e v\u00fddaje <\/strong>tak, abyste udr\u017eeli rodinn\u00fd rozpo\u010det ve spr\u00e1vn\u00e9 kondici. N\u011bkdy sta\u010d\u00ed rozd\u011blit v\u00fddaje na <strong>nezbytn\u00e9 <\/strong>(n\u00e1jemn\u00e9, energie, doprava) a <strong>vedlej\u0161\u00ed <\/strong>(sport, kultura, z\u00e1bava, stravov\u00e1n\u00ed v restaurac\u00edch).<\/p>\n\n\n\n<p>Sna\u017ete se naj\u00edt ve sv\u00fdch v\u00fddaj\u00edch syst\u00e9m, <strong>nerozhazovat pen\u00edze bez\u00fa\u010delov\u011b <\/strong>a<strong> <\/strong>nau\u010dte se, \u017ee \u010dtvrtletn\u00ed, pololetn\u00ed nebo ro\u010dn\u00ed platby dop\u0159edu (nap\u0159\u00edklad za p\u0159edplatn\u00e9) jsou z dlouhodob\u00e9ho hlediska v\u00fdhodn\u011bj\u0161\u00ed a bol\u00ed pouze jednou a to v dan\u00fd m\u011bs\u00edc, kdy je zaplat\u00edte.<\/p>\n\n\n\n<p>Na z\u00e1v\u011br jednoduch\u00e1 rada. Nezapome\u0148te na<strong> pravidelnou aktualizaci a kontrolu rozpo\u010dtu.<\/strong> Sna\u017ete se z vytv\u00e1\u0159en\u00ed rodinn\u00e9ho rozpo\u010dtu ud\u011blat rodinnou rutinu a zajist\u011bte, aby rozpo\u010det zohled\u0148oval va\u0161e skute\u010dn\u00e9 p\u0159\u00edjmy a v\u00fddaje.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Rodinn_rozpoet_vzor\">Rodinn\u00fd rozpo\u010det vzor<\/h2>\n\n\n\n<p><strong>Jak by m\u011bl vypadat ide\u00e1ln\u00ed rodinn\u00fd rozpo\u010det? <\/strong>N\u011bkolik finan\u010dn\u00edch odborn\u00edk\u016f se shoduje na tom, \u017ee pro na\u0161i lep\u0161\u00ed <a href=\"https:\/\/financer.com\/cz\/osobni-finance\/financni-gramotnost\/\">finan\u010dn\u00ed gramotnost<\/a> je ide\u00e1ln\u00ed osvojit si rozpo\u010dtov\u00e9 m\u00edry 10-20-30-40 a to n\u00e1sledovn\u011b.<\/p>\n\n\n\n<ul>\n<li>10% finan\u010dn\u00ed rezerva<\/li>\n\n\n\n<li>20% investice do aktiv<\/li>\n\n\n\n<li>30% spl\u00e1tky \u00fav\u011br\u016f<\/li>\n\n\n\n<li>40% denn\u00ed spot\u0159eba<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Rady_na_zvr\">Rady na z\u00e1v\u011br<\/h2>\n\n\n\n<p>Ve <strong>Financer.com<\/strong> jsme si pro v\u00e1s p\u0159ipravili n\u011bkolik u\u017eite\u010dn\u00fdch tip\u016f, s nimi\u017e bude spr\u00e1va va\u0161eho rodinn\u00e9ho rozpo\u010dtu mnohem snaz\u0161\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Odkldejte_si_penze\">Odkl\u00e1dejte si pen\u00edze<\/h3>\n\n\n\n<p>Sna\u017ete se<strong> odlo\u017eit si z ka\u017ed\u00e9ho va\u0161eho p\u0159\u00edjmu 10%. <\/strong>A te\u010f nemysl\u00edme jen v\u00fdplatu, ale tak\u00e9 p\u0159\u00eddavky na d\u011bti, p\u0159eplatek za elekt\u0159inu nebo n\u00e1jemn\u00e9 za gar\u00e1\u017e, kterou pronaj\u00edm\u00e1te sv\u00e9mu p\u0159\u00edteli. <\/p>\n\n\n\n<p>Nezapome\u0148te ani na va\u0161e d\u011bti a u\u017e od \u00fatl\u00e9ho v\u011bku se u nich sna\u017ete <strong>vybudovat zodpov\u011bdnost k vlastn\u00edm pen\u011bz\u016fm. <\/strong>Nejprve jim uka\u017ete, jak si odkl\u00e1dat do pokladni\u010dky a pozd\u011bji, kdy\u017e povyrostou, jim zalo\u017ete d\u011btsk\u00fd spo\u0159\u00edc\u00ed \u00fa\u010det.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Vyzkouejte_Tipli\">Vyzkou\u0161ejte Tipli<\/h3><p>V p\u0159\u00edpad\u011b, \u017ee r\u00e1di a \u010dasto nakupujete na internetu, m\u016f\u017ee b\u00fdt <strong>zaj\u00edmav\u00fdm zp\u016fsobem, jak si odkl\u00e1dat pen\u00edze<\/strong> i vyu\u017e\u00edv\u00e1n\u00ed cashbackov\u00fdch port\u00e1l\u016f ako je nap\u0159\u00edklad <a href=\"https:\/\/financer.com\/cz\/spolecnost\/tipli\/\">Tipli<\/a>. Funguj\u00ed tak, \u017ee za ka\u017ed\u00fd n\u00e1kup u partnersk\u00e9ho eshopu obdr\u017e\u00ed ur\u010dit\u00e9 procento z n\u00e1kupu zp\u011bt. Tyto pen\u00edze si tak m\u016f\u017eete odlo\u017eit a postupn\u011b si vytv\u00e1\u0159et va\u0161i finan\u010dn\u00ed rezervu!<\/p>\n<p>\u00a0<\/p><p class=\"has-text-centered\">\n\t <a href=\"https:\/\/financer.com\/cz\/spolecnost\/tipli\/\" class=\"button is-normal is-primary is-rounded is-large\">Za\u010d\u00edt s Tipli <\/a>\n\t<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Zbavte_se_dluh\">Zbavte se dluh\u016f<\/h3>\n\n\n\n<p>Dluhy jsou velmi nep\u0159\u00edjemn\u00e1 z\u00e1le\u017eitost. Spl\u00e1c\u00edte hypot\u00e9ku, dva spot\u0159ebn\u00ed \u00fav\u011bry, m\u00e1te povoleno p\u0159e\u010derp\u00e1n\u00ed na \u00fa\u010dtu a kreditn\u00ed kartu? Vsad\u00edme se, \u017ee zbyte\u010dn\u011b propl\u00e1c\u00edte. Mo\u017en\u00e1 je nejvy\u0161\u0161\u00ed \u010das za\u010d\u00edt <strong>uva\u017eovat nad refinancov\u00e1n\u00edm nebo konsolidac\u00ed va\u0161ich finan\u010dn\u00edch z\u00e1vazk\u016f.<\/strong><\/p>\n\n\n\n<p>Pro v\u00edce informac\u00ed si p\u0159e\u010dt\u011bte n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/financer.com\/cz\/blog\/jak-se-zbavit-dluhu\/\">jak se zbavit dluh\u016f.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vce_plnujte\">V\u00edce pl\u00e1nujte<\/h3>\n\n\n\n<p>Pl\u00e1nov\u00e1n\u00ed je kl\u00ed\u010dem k \u00fasp\u011bchu<strong> vyrovnan\u00e9ho rodinn\u00e9ho rozpo\u010dtu.<\/strong> Skute\u010dn\u011b doporu\u010dujeme si alespo\u0148 na jednu hodinku m\u011bs\u00ed\u010dn\u011b sednout a po\u0159\u00e1dn\u011b se zamyslet nad t\u00edm, co v\u00e1s \u010dek\u00e1. \u0160kola v p\u0159\u00edrod\u011b nebo t\u00e1bor pro va\u0161e ratolesti? V\u00fdro\u010d\u00ed svatby s va\u0161\u00ed drahou polovi\u010dkou? Narozeniny va\u0161\u00ed m\u00e1my?<\/p>\n\n\n\n<p>Nezapom\u00ednejte, <strong>pi\u0161te si a pl\u00e1nujte.<\/strong> Nebo fakt tou\u017e\u00edte po tom, \u017ee nebudete moci zaplatit telefonn\u00ed \u00fa\u010dty, nebo\u0165 jste s rodinkou byli ne\u010dekan\u011b v kin\u011b?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pedraen_finann_produkty\">P\u0159edra\u017een\u00e9 finan\u010dn\u00ed produkty<\/h3>\n\n\n\n<p>St\u00e1v\u00e1 se, \u017ee plat\u00edme <strong>zbyte\u010dn\u00e9 poplatky bank\u00e1m <\/strong>tam, kde nen\u00ed pot\u0159eba. P\u0159\u00edkladem mohou b\u00fdt nesmysln\u011b vysok\u00e9 poplatky za v\u00fdb\u011bry z bankomat\u016f, i kdy\u017e je um\u00edme m\u00edt i zdarma. Dost\u00e1v\u00e1 n\u00e1s v\u0161ak na\u0161e nev\u011bdomost.<\/p>\n\n\n\n<p>Proto je dobr\u00e9<strong> srovn\u00e1vat v\u0161echny dostupn\u00e9 alternativy.<\/strong> Porovnejte si svoji <a href=\"https:\/\/financer.com\/cz\/pujcky\/\">p\u016fj\u010dku <\/a>a zjist\u011bte, zda se mezit\u00edm na trhu neobjevilo n\u011bco nov\u00e9ho a v\u00fdhodn\u011bj\u0161\u00edho, kde m\u016f\u017eete u\u0161et\u0159it.<\/p>\n","protected":false},"author":16452,"featured_media":30378,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1195],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/5534"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=5534"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/5534\/revisions"}],"predecessor-version":[{"id":46802,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/how_to\/5534\/revisions\/46802"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/30378"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=5534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=5534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}