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ohledu na to, zda se jedn\u00e1 o rozpo\u010det rodiny, jednotlivce \u010di n\u011bjak\u00e9 organizace, v\u017edy je postaven na dvou z\u00e1kladn\u00edch pil\u00ed\u0159\u00edch. Jedn\u00e1 se o p\u0159\u00edjmy a v\u00fddaje, kter\u00e9 je t\u0159eba pravideln\u011b sledovat. C\u00edlem rozpo\u010dtu je toti\u017e rozlo\u017eit objem na\u0161ich p\u0159\u00edjm\u016f do ur\u010dit\u00e9ho \u010dasov\u00e9ho intervalu tak, aby pokryly nejen v\u00fddaje na spot\u0159ebu, ale tak\u00e9 v\u00fddaje na na\u0161e aktivity, voln\u00fd \u010das \u010di na spo\u0159en\u00ed, d\u00edky kter\u00e9mu si v budoucnu budeme moci plnit sv\u00e9 sny a c\u00edle. Jak toho v\u0161ak doc\u00edlit? Jak si rozpo\u010det prakticky osvojit a zejm\u00e9na \u2013 jak jej vysv\u011btlit na\u0161im d\u011btem?\r\n

Stanovte si \u010dasov\u00fd interval<\/h2>\r\nV \u00favodu je d\u016fle\u017eit\u00e9 zadefinovat si interval, po jeho\u017e uplynut\u00ed obdr\u017e\u00edte dal\u0161\u00ed p\u0159\u00edjem. V p\u0159\u00edpad\u011b rodinn\u00e9ho rozpo\u010dtu se nej\u010dast\u011bji pracuje s m\u011bs\u00ed\u010dn\u00edm intervalem, proto\u017ee na m\u011bs\u00ed\u010dn\u00ed b\u00e1zi dost\u00e1v\u00e1me i samotnou mzdu. V p\u0159\u00edpad\u011b d\u011bt\u00ed v\u0161ak m\u016f\u017ee b\u00fdt tento interval krat\u0161\u00ed. Zdrojem d\u011btsk\u00e9ho p\u0159\u00edjmu je zejm\u00e9na kapesn\u00e9<\/a>, o kter\u00e9m jsme si \u0159\u00edkali, \u017ee je ide\u00e1ln\u00ed vypl\u00e1cet jej d\u011btem jednou za t\u00fdden, i kdy\u017e u st\u0159edo\u0161kol\u00e1k\u016f m\u016f\u017eeme uplat\u0148ovat i jeho m\u011bs\u00ed\u010dn\u00ed v\u00fdplatu. Plat\u00ed v\u0161ak, \u017ee bez ohledu na to, zda se jedn\u00e1 o t\u00fddenn\u00ed nebo o m\u011bs\u00ed\u010dn\u00ed interval, je t\u0159eba mu p\u0159izp\u016fsobit i evidenci v\u00fddaj\u016f.\r\n

Zpracujte si evidenci v\u00fddaj\u016f<\/h2>\r\nEvidence v\u00fddaj\u016f je pro spr\u00e1vn\u011b nastaven\u00fd rozpo\u010det mimo\u0159\u00e1dn\u011b d\u016fle\u017eit\u00e1. Ani\u017e bychom dokonale znali sv\u00e9 v\u00fddaje, si toti\u017e nedok\u00e1\u017eeme vypo\u010d\u00edtat, jak\u00fd objem z nich tvo\u0159\u00ed povinn\u00e9 a kolik dobrovoln\u00e9 v\u00fddaje na z\u00e1bavu a spont\u00e1nn\u00ed n\u00e1kupy.\r\n

V\u011bd\u011bli jste?<\/h3>\r\nPovinn\u00e9 v\u00fddaje za\u010d\u00edn\u00e1me u d\u011bt\u00ed zav\u00e1d\u011bt ji\u017e b\u011bhem prvn\u00edho stupn\u011b z\u00e1kladn\u00ed \u0161koly, aby si tak za\u010d\u00ednaly pomalu zvykat na re\u00e1ln\u00fd dosp\u011bl\u00e1ck\u00fd \u017eivot. Mezi povinn\u00e9 v\u00fddaje \u0161kol\u00e1ka m\u016f\u017eeme za\u0159adit nap\u0159. v\u00fddaje na n\u00e1kup j\u00edzdenky \u010di v\u00fddaje na j\u00eddlo, kter\u00fdm se pot\u0159ebuje zasytit mezi koncem vyu\u010dov\u00e1n\u00ed a za\u010d\u00e1tkem volno\u010dasov\u00fdch aktivit. Samoz\u0159ejm\u011b, to jak\u00e9 v\u00fddaje budou do t\u00e9to kategorie spadat je na dohod\u011b mezi v\u00e1mi a va\u0161\u00edm d\u00edt\u011btem, p\u0159i\u010dem\u017e vy sami rozhodnete, kdy je na zaveden\u00ed povinn\u00fdch v\u00fddaj\u016f vhodn\u00fd \u010das. Doporu\u010dujeme to v\u0161ak p\u0159\u00edli\u0161 neodkl\u00e1dat. \u010c\u00edm d\u0159\u00edve se d\u011bti nau\u010d\u00ed vn\u00edmat podstatu povinn\u00fdch v\u00fddaj\u016f, t\u00edm d\u0159\u00edve je budou pova\u017eovat za p\u0159irozenou sou\u010d\u00e1st \u017eivota.\r\n

Z p\u0159\u00edjmu v\u017edy odlo\u017ete 10 %<\/h2>\r\nBylo by skv\u011bl\u00e9, kdyby si d\u011bti u\u017e odmali\u010dka osvojily n\u00e1vyk, \u017ee si 10 % z p\u0159\u00edjmu v\u017edy odlo\u017e\u00ed do tzv. \"velk\u00e9 pokladni\u010dky\", d\u00edky kter\u00e9 si budou moci splnit sv\u016fj dosp\u011bl\u00e1ck\u00fd sen, kdy\u017e vyrostou. Od zb\u00fdvaj\u00edc\u00edch 90 % prost\u0159edk\u016f pak ode\u010d\u00edtejte povinn\u00e9 v\u00fddaje. V\u00fdsledek, kter\u00fd z\u016fstane, p\u0159edstavuje budget, kter\u00fd m\u016f\u017ee d\u00edt\u011b svobodn\u011b utratit na jakoukoli ze sv\u00fdch kr\u00e1tkodob\u00fdch \u010di okam\u017eit\u00fdch tu\u017eeb. St\u00e1le v\u0161ak m\u016f\u017eete va\u0161e d\u011bti motivovat k tomu, aby sv\u016fj rozpo\u010det neutratily na \u00fapln\u00e9 zbyte\u010dnosti, a aby si m\u00edsto toho \u010d\u00e1st z n\u011bj dobrovoln\u011b odlo\u017eily. I d\u00edky takov\u00fdm uv\u00e1\u017een\u00fdm rozhodnut\u00edm si toti\u017e budou moci v budoucnu splnit i mnohem v\u011bt\u0161\u00ed sen, ne\u017e mo\u017en\u00e1 p\u016fvodn\u011b zam\u00fd\u0161leli.\r\n

Jak\u00fd p\u0159\u00ednos m\u00e1 rozpo\u010det pro va\u0161e d\u011bti?<\/h2>\r\nJako rodi\u010d byste t\u00e9ma rozpo\u010dtu nem\u011bli odkl\u00e1dat, dokud budou d\u011bti star\u0161\u00ed. \u010c\u00edm d\u0159\u00edve se mu nau\u010d\u00ed rozum\u011bt, t\u00edm v\u00edce v\u00fdhod v r\u00e1mci sv\u00e9ho budouc\u00edho postoje k financ\u00edm z\u00edskaj\u00ed. Zde je jen n\u011bkolik z nich:\r\n