{"id":5720,"date":"2024-11-06T15:13:12","date_gmt":"2024-11-06T14:13:12","guid":{"rendered":"https:\/\/legacy.banksandsaving.com\/?p=5572"},"modified":"2024-11-12T12:12:57","modified_gmt":"2024-11-12T11:12:57","slug":"jaky-typ-sporice-z-6-typu-jste-vy","status":"publish","type":"post","link":"https:\/\/www.banksandsaving.com\/cs\/jaky-typ-sporice-z-6-typu-jste-vy\/","title":{"rendered":"Jak\u00fd typ spo\u0159i\u010de z 6 typ\u016f jste vy?"},"content":{"rendered":"<p><b><span>P\u0159em\u00fd\u0161leli jste n\u011bkdy, jak\u00fd jste typ spo\u0159i\u010de?\u00a0<\/span><\/b><span>Ur\u010dit\u011b ano, ale nejste si jisti, kter\u00fd z nich jste. P\u0159i mnoha p\u0159\u00edle\u017eitostech n\u00e1m velmi pomohlo uch\u00fdlit se k\u00a0<\/span><span>osobn\u00ed p\u016fj\u010dce<\/span><span>\u00a0, abychom mohli kdykoli \u010delit ne\u010dekan\u00fdm v\u00fddaj\u016fm, kter\u00e9 n\u00e1s obvykle v \u017eivot\u011b prov\u00e1zej\u00ed.<\/span><\/p>\n<p><span>Dnes v\u00e1m v\u0161ak uk\u00e1\u017eeme hlavn\u00ed\u00a0<\/span><span>typy spo\u0159i\u010d\u016f, abychom v\u00e1m usnadnili nalezen\u00ed verze spo\u0159i\u010de, kterou jste nebo byste mohli b\u00fdt\u00a0<\/span><span>. Jakmile je budete zn\u00e1t, bude pro v\u00e1s jist\u011b velmi snadn\u00e9 naj\u00edt verzi, kterou jste.<\/span><\/p>\n<p>&nbsp;<\/p>\n<div id=\"toc_container\" class=\"no_bullets contracted\">\n<p class=\"toc_title\">\n<\/div>\n<h3><span id=\"1_Ahorrador_tacano\"><b><span>1. Lakom\u00fd spo\u0159i\u010d<\/span><\/b><\/span><\/h3>\n<p><span>Maj\u00ed tendenci se definovat jako nejspo\u0159iv\u011bj\u0161\u00ed, to znamen\u00e1, \u017ee utr\u00e1cej\u00ed z\u00e1kladn\u00ed v\u011bci, aby nemuseli utr\u00e1cet pen\u00edze.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Je to typ, kter\u00fd se co nejv\u00edce\u00a0<\/span><span>vyh\u00fdb\u00e1 zbyte\u010dn\u00fdm v\u00fddaj\u016fm<\/span><span>\u00a0, v\u010detn\u011b rozmar\u016f.<\/span><\/li>\n<li aria-level=\"1\"><span>Obvykle jsou to lid\u00e9, kte\u0159\u00ed udr\u017euj\u00ed v\u0161echny \u00fa\u010dty aktu\u00e1ln\u00ed, aby m\u011bli pod kontrolou v\u00fddaje.<\/span><\/li>\n<li aria-level=\"1\"><span>Obvykle maj\u00ed velk\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 na p\u0159\u00edpadn\u00e9 nep\u0159edv\u00eddan\u00e9 v\u00fddaje.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span id=\"2_Compulsivo\"><b><span>2. Kompulzivn\u00ed<\/span><\/b><\/span><\/h3>\n<p><span>Jsou to ti, kte\u0159\u00ed jsou nutkav\u00ed a n\u011bjak\u00fdm zp\u016fsobem posedl\u00ed spo\u0159en\u00edm. Tyto typy lid\u00ed maj\u00ed obvykle emocion\u00e1ln\u00ed probl\u00e9my, kdy\u017e nemaj\u00ed pen\u00edze na nav\u00fd\u0161en\u00ed z\u016fstatku na \u00fa\u010dtu ka\u017ed\u00fd m\u011bs\u00edc.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Tito st\u0159adatel\u00e9 nespo\u0159\u00ed na konkr\u00e9tn\u00ed \u00fa\u010del, ale sp\u00ed\u0161e \u0161et\u0159\u00ed, proto\u017ee jsou nutkav\u00ed. C\u00edlem t\u00e9to \u00faspory je, aby \u00fa\u010det rostl, ale bez jasn\u00e9ho c\u00edle.<\/span><\/li>\n<li aria-level=\"1\"><span>\u00dasporn\u00e9 fondy mohou b\u00fdt n\u011bkdy velmi velk\u00e9, ale pokud mo\u017eno se jich nedot\u00fdkejte, abyste p\u0159ede\u0161li mal\u00e9mu deficitu \u00faspor.<\/span><\/li>\n<li aria-level=\"1\"><span>P\u0159i anal\u00fdze jejich \u00fa\u010dt\u016f je zar\u00e1\u017eej\u00edc\u00ed, \u017ee hlavn\u00edm hrdinou je p\u0159\u00edjem.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span id=\"3_Equilibrado\"><b><span>3. Vyv\u00e1\u017een\u00fd<\/span><\/b><\/span><\/h3>\n<p><span>Jsou to ekonomick\u00e9 profily, kter\u00e9 jasn\u011b vyjad\u0159uj\u00ed sv\u00e9 c\u00edle a n\u00e1sledn\u011b se sna\u017e\u00ed naj\u00edt rovnov\u00e1hu mezi p\u0159\u00edjmy a v\u00fddaji s\u00a0<\/span><span>dobr\u00fdm pl\u00e1nem spo\u0159en\u00ed<\/span><span>\u00a0. Jsou to profily, kter\u00e9 se v\u011bt\u0161inou doporu\u010duj\u00ed, proto\u017ee jsou uprost\u0159ed. To znamen\u00e1, \u017ee nejsou ani marnotratn\u00ed, ani nutkav\u00ed spo\u0159\u00edc\u00ed lid\u00e9.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Vyv\u00e1\u017een\u00ed st\u0159adatel\u00e9 vynikaj\u00ed t\u00edm, \u017ee sv\u00e9 \u00fa\u010dty udr\u017euj\u00ed v\u017edy aktu\u00e1ln\u00ed. O sv\u00fdch p\u0159\u00edjmech a v\u00fddaj\u00edch maj\u00ed jasno. To jim umo\u017e\u0148uje m\u00edt z\u016fstatek a vyrovnat sv\u00e9 \u00fa\u010dty na konci m\u011bs\u00edce.<\/span><\/li>\n<li aria-level=\"1\"><span>Hlavn\u00edm c\u00edlem je zabr\u00e1nit tomu, aby odliv pen\u011bz p\u0159ev\u00fd\u0161il p\u0159\u00edjem, aby nedo\u0161lo k deficitu v dan\u00e9m m\u011bs\u00edci. Pokud k tomu dojde, bude u\u010din\u011bn pokus o pokryt\u00ed n\u00e1sleduj\u00edc\u00ed m\u011bs\u00edc.<\/span><\/li>\n<li aria-level=\"1\"><span>V p\u0159\u00edpad\u011b, \u017ee p\u0159ich\u00e1zej\u00edc\u00ed pen\u00edze jsou vy\u0161\u0161\u00ed ne\u017e utracen\u00e9 pen\u00edze, pak je z tohoto profilu jasn\u00e9, \u017ee m\u016f\u017ee b\u00fdt ud\u011blen pamlsek nebo pocta. V\u011bt\u0161inou se rozhodne pro\u00a0<\/span><span>dovolenou<\/span><span>\u00a0nebo si n\u011bco koup\u00ed.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span id=\"4_Organizado\"><b><span>4. Organizovan\u00e9<\/span><\/b><\/span><\/h3>\n<p><span>Tento profil je obvykle definov\u00e1n jako osoba, kter\u00e9 je jasn\u00e9, \u017ee\u00a0<\/span><span>finan\u010dn\u00ed zdrav\u00ed<\/span><span>\u00a0je d\u016fle\u017eit\u00e9 a tak\u00e9 je t\u0159eba o ni disciplinovan\u011b pe\u010dovat.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>M\u00e1 jasn\u00e9 \u017eivotn\u00ed a spo\u0159\u00edc\u00ed c\u00edle v kr\u00e1tkodob\u00e9m, st\u0159edn\u011bdob\u00e9m i dlouhodob\u00e9m horizontu.<\/span><\/li>\n<li aria-level=\"1\"><span>Jakmile jsou va\u0161e c\u00edle stanoveny, zkuste postupovat podle ozna\u010den\u00fdch krok\u016f, abyste sv\u00e9 c\u00edle snadno p\u0159ekro\u010dili.<\/span><\/li>\n<li aria-level=\"1\"><span>S p\u0159ihl\u00e9dnut\u00edm k va\u0161emu p\u0159\u00edjmu m\u00e1te jasno v tom, jak\u00e9 procento \u00faspor byste m\u011bli ka\u017ed\u00fd m\u011bs\u00edc ud\u011blat, abyste snadno dos\u00e1hli sv\u00e9ho c\u00edle.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span id=\"5_Adicto_a_las_ofertas\"><b><span>5. Deal Addict<\/span><\/b><\/span><\/h3>\n<p><span>Je to st\u0159adatel, kter\u00fd se sna\u017e\u00ed \u0161et\u0159it, ale nep\u0159est\u00e1v\u00e1 z\u00edsk\u00e1vat zbo\u017e\u00ed a produkty, kter\u00e9 chce pro sv\u016fj ka\u017edodenn\u00ed \u017eivot. To znamen\u00e1, \u017ee hledejte \u00faspory prost\u0159ednictv\u00edm akc\u00ed, jako jsou\u00a0<\/span><span>slevov\u00e9 kup\u00f3ny<\/span><span>\u00a0.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Je to profil, kter\u00fd je aktu\u00e1ln\u00ed s nab\u00eddkami a akcemi, abyste je mohli vyu\u017e\u00edt, kdy\u017e jsou opravdu zaj\u00edmav\u00e9. To znamen\u00e1 d\u016fkladn\u011b prostudovat trh, abyste na\u0161li ty nejlep\u0161\u00ed mo\u017enosti.<\/span><\/li>\n<li aria-level=\"1\"><span>Probl\u00e9m je, \u017ee n\u011bkdy tento profil m\u016f\u017ee nakupovat v\u011bci impulzivn\u011b a pak je nepot\u0159ebuje. To zp\u016fsobuje nadm\u011brn\u00e9 utr\u00e1cen\u00ed pen\u011bz, kter\u00e9 skute\u010dn\u011b mohly b\u00fdt u\u0161et\u0159eny.<\/span><\/li>\n<li aria-level=\"1\"><span>B\u00fdt z\u00e1visl\u00fd na nab\u00eddk\u00e1ch znamen\u00e1 v\u011bd\u011bt, jak\u00fd je v\u00fdvoj cen, a to v\u00e1m zabr\u00e1n\u00ed propadnout fale\u0161n\u00fdm nab\u00eddk\u00e1m, kter\u00e9 se uch\u00e1zej\u00ed o pozornost z\u00e1kazn\u00edka.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span id=\"6_Derrochador\"><b><span>6. Pl\u00fdtv\u00e1n\u00ed<\/span><\/b><\/span><\/h3>\n<p><span>Sv\u00fdm zp\u016fsobem je to \u010dlov\u011bk, kter\u00fd ve skute\u010dnosti nem\u00e1 tendenci \u0161et\u0159it. Tedy pen\u00edze, kter\u00e9 m\u00e1te, pen\u00edze, kter\u00e9 utr\u00e1c\u00edte za rozmary. N\u011bkte\u0159\u00ed odborn\u00edci komentuj\u00ed, \u017ee jsou to lid\u00e9, kte\u0159\u00ed nen\u00e1vid\u00ed m\u00edt pen\u00edze v kapse.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><span>Tento profil spo\u0159i\u010de je \u010dasto nucen utratit pen\u00edze, kter\u00e9 m\u00e1.<\/span><\/li>\n<li aria-level=\"1\"><span>M\u00edra \u00faspor je v tomto profilu obvykle velmi n\u00edzk\u00e1.<\/span><\/li>\n<li aria-level=\"1\"><span>Vzhledem k tomu, \u017ee \u00farove\u0148 \u00faspor je n\u00edzk\u00e1, v p\u0159\u00edpad\u011b nep\u0159edv\u00eddan\u00fdch v\u00fddaj\u016f se osoba rozhodne pro alternativu\u00a0<\/span><span>vz\u00edt si na pokryt\u00ed t\u011bchto v\u00fddaj\u016f osobn\u00ed p\u016fj\u010dku<\/span><span>\u00a0. I za t\u011bchto okolnost\u00ed doty\u010dn\u00fd obvykle nezm\u011bn\u00ed svou mentalitu a obvykle utr\u00e1c\u00ed pen\u00edze, kter\u00e9 p\u0159ich\u00e1zej\u00ed m\u011bs\u00edc po m\u011bs\u00edci.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><span id=\"Ya_sabes_que_tipo_de_ahorrador_eres\"><b><span>U\u017e v\u00edte, jak\u00fd jste typ st\u0159adatele?<\/span><\/b><\/span><\/h2>\n<p><span>Jakmile pozn\u00e1te r\u016fzn\u00e9 typy st\u0159adatel\u016f, jist\u011b se s jedn\u00edm \u010di druh\u00fdm ztoto\u017en\u00edte. Nen\u00ed \u017e\u00e1dn\u00e1 mo\u017enost lep\u0161\u00ed ne\u017e druh\u00e1, d\u016fle\u017eit\u00e9 je, \u017ee u\u0161et\u0159\u00edte n\u011bjak\u00e9 pen\u00edze a \u017ee se s t\u00edm klukem, kter\u00fdm jste, budete c\u00edtit dob\u0159e. Pokud se nec\u00edt\u00edte dob\u0159e, m\u016f\u017eete v\u017edy zkusit podniknout kroky ke zm\u011bn\u011b sv\u00e9ho my\u0161len\u00ed a st\u00e1t se jin\u00fdm typem\u00a0<\/span><span>spo\u0159i\u010de<\/span><span>\u00a0.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159em\u00fd\u0161leli jste n\u011bkdy, jak\u00fd jste typ spo\u0159i\u010de?\u00a0Ur\u010dit\u011b ano, ale nejste si jisti, kter\u00fd z nich jste. P\u0159i mnoha p\u0159\u00edle\u017eitostech n\u00e1m velmi pomohlo uch\u00fdlit se k\u00a0osobn\u00ed p\u016fj\u010dce\u00a0, abychom mohli kdykoli \u010delit ne\u010dekan\u00fdm v\u00fddaj\u016fm, kter\u00e9 n\u00e1s obvykle v \u017eivot\u011b prov\u00e1zej\u00ed. Dnes v\u00e1m v\u0161ak uk\u00e1\u017eeme hlavn\u00ed\u00a0typy spo\u0159i\u010d\u016f, abychom v\u00e1m usnadnili nalezen\u00ed verze spo\u0159i\u010de, kterou jste nebo byste mohli [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[62],"tags":[],"class_list":["post-5720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uspory"],"_links":{"self":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/comments?post=5720"}],"version-history":[{"count":1,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5720\/revisions"}],"predecessor-version":[{"id":6283,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/posts\/5720\/revisions\/6283"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media\/6147"}],"wp:attachment":[{"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/media?parent=5720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/categories?post=5720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.banksandsaving.com\/cs\/wp-json\/wp\/v2\/tags?post=5720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}