[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bof.sk\/vydavky-ktorym-sa-nevyhnete\/#Article","mainEntityOfPage":"https:\/\/www.bof.sk\/vydavky-ktorym-sa-nevyhnete\/","headline":"V\u00fddavky, ktor\u00fdm sa nevyhnete","name":"V\u00fddavky, ktor\u00fdm sa nevyhnete","description":"V\u00e4\u010d\u0161ina \u0161tudentov po\u010das \u0161t\u00fadia nemus\u00ed rie\u0161i\u0165 v\u00fddavky, ktor\u00e9 s\u00fa pre z\u00e1robkovo \u010dinn\u00fdch \u013eud\u00ed be\u017en\u00e9. K\u00fdm b\u00fdvame pod strechou n\u00e1\u0161ho rodi\u010dovsk\u00e9ho domu nerie\u0161ime, na \u010do odch\u00e1dzaj\u00fa mesa\u010dne peniaze. Aj ke\u010f sa \u0161tudenti sna\u017eia nejak\u00e9 peniaze zarobi\u0165, t\u00fdch p\u00e1r Eur na brig\u00e1dach sa vyu\u017eije na n\u00e1kup oble\u010denia, kozmetiky \u010di v\u00fdlety s priate\u013emi. Preto po prv\u00fdch mesiacoch pr\u00e1ce...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.bof.sk\/vydavky-ktorym-sa-nevyhnete\/\" class=\"more-link\">Pre\u010d\u00edta\u0165<span class=\"screen-reader-text\"> &ldquo;V\u00fddavky, ktor\u00fdm sa nevyhnete&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2019-01-26","dateModified":"2019-01-26","author":{"@type":"Person","@id":"https:\/\/www.bof.sk\/author\/#Person","name":"","url":"https:\/\/www.bof.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/831abbcc684823965c5caa39ae4561083127c8aedfe9e524c6cecc176998c733?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bof.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bof.sk\/wp-content\/uploads\/img_a298517_w16666_t1553619263.jpg","url":"https:\/\/www.bof.sk\/wp-content\/uploads\/img_a298517_w16666_t1553619263.jpg","height":0,"width":0},"url":"https:\/\/www.bof.sk\/vydavky-ktorym-sa-nevyhnete\/","wordCount":388,"articleBody":"V\u00e4\u010d\u0161ina \u0161tudentov po\u010das \u0161t\u00fadia nemus\u00ed rie\u0161i\u0165 v\u00fddavky, ktor\u00e9 s\u00fa pre z\u00e1robkovo \u010dinn\u00fdch \u013eud\u00ed be\u017en\u00e9. K\u00fdm b\u00fdvame pod strechou n\u00e1\u0161ho rodi\u010dovsk\u00e9ho domu nerie\u0161ime, na \u010do odch\u00e1dzaj\u00fa mesa\u010dne peniaze. Aj ke\u010f sa \u0161tudenti sna\u017eia nejak\u00e9 peniaze zarobi\u0165, t\u00fdch p\u00e1r Eur na brig\u00e1dach sa vyu\u017eije na n\u00e1kup oble\u010denia, kozmetiky \u010di v\u00fdlety s priate\u013emi. Preto po prv\u00fdch mesiacoch pr\u00e1ce na pln\u00fd \u00fav\u00e4zok zost\u00e1va ve\u013ea mlad\u00fdch prekvapen\u00fdch, ko\u013eko v\u00fddavkov je s osamostatnen\u00edm spojen\u00fdch.Poistka \u010cudovali by ste sa, ko\u013ek\u00ed mlad\u00ed ani nevedia ako vlastne \u017eivotn\u00e9 poistky funguj\u00fa. Takmer ka\u017ed\u00fd rodi\u010d db\u00e1 o to, aby ich die\u0165a malo uzatvoren\u00fa poistku u\u017e od mali\u010dka. Preto, pod\u013ea n\u00e1ro\u010dnosti z\u00e1kazn\u00edka mesa\u010dne mus\u00edte r\u00e1ta\u0165 so sumou ur\u010denou na poistenie v\u00e1\u0161ho zdravia. Dnes s\u00fa v\u00fdhodn\u00e9 kombinovan\u00e9 so sporen\u00edm.Auto K\u00fapi\u0165 si star\u0161ie BMW dok\u00e1\u017ee v dne\u0161nej dobe u\u017e takmer ka\u017ed\u00fd. Ale m\u00e1lokto r\u00e1ta pri k\u00fape auta v mladom veku so v\u0161etk\u00fdmi v\u00fddavkami. Ro\u010dne mus\u00edte po\u010d\u00edta\u0165 s peniazmi na poistenie auta, pravideln\u00fd servis ako v\u00fdmenu filtrov a olejov, letn\u00e9 a zimn\u00e9 pneumatiky \u010di ne\u010dakan\u00e9 v\u00fddavky spojen\u00e9 s opravami vozidla.Tret\u00ed pilier Aj ke\u010f prv\u00e9 roky v zamestnan\u00ed absol\u00fatne nerie\u0161ite \u0161etrenie na d\u00f4chodok, \u010d\u00edm sk\u00f4r za\u010dnete odklada\u0165 peniaze, t\u00fdm budete v neskor\u0161om veku spokojnej\u0161\u00ed. Princ\u00edp je v tom, \u017ee polovicu v\u00e1m mesa\u010dne na d\u00f4chodok prispieva zamestnanec a polovicu si prispievate sami.Hypot\u00e9ka A samozrejme ka\u017ed\u00fd mesiac mus\u00edte sk\u00f4r \u010di nesk\u00f4r r\u00e1ta\u0165 s peniazmi na vlastn\u00e9 b\u00fdvanie. Pri dobrom plate a v\u00fdhodn\u00fdch podmienkach m\u00e1te mo\u017enos\u0165 dosta\u0165 v\u00fdhodn\u00fd \u00farok. No cena za telev\u00edziu, internet, energie \u010di dom\u00e1ce prostriedky u\u017e v prvotn\u00fdch n\u00e1kladoch \u010dasto kr\u00e1t zar\u00e1tan\u00e9 nie s\u00fa. A na \u010do by ste nemali zab\u00fada\u0165, ak ste viazan\u00fd mesa\u010dnou spl\u00e1tkou, mali by ste mesa\u010dne nejak\u00fa \u010diastku z v\u00fdplaty odklada\u0165 pre pr\u00edpad, \u017ee nebudete schopn\u00fd kv\u00f4li strate zamestnania spl\u00e1ca\u0165.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fddavky, ktor\u00fdm sa nevyhnete","item":"https:\/\/www.bof.sk\/vydavky-ktorym-sa-nevyhnete\/#breadcrumbitem"}]}]