{"id":10881,"date":"2024-08-28T14:05:33","date_gmt":"2024-08-28T12:05:33","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=10881"},"modified":"2025-05-07T08:27:54","modified_gmt":"2025-05-07T06:27:54","slug":"jak-si-vytvorit-mesicni-rozpocet-s-rezervou","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-si-vytvorit-mesicni-rozpocet-s-rezervou\/","title":{"rendered":"Jak si vytvo\u0159it m\u011bs\u00ed\u010dn\u00ed rozpo\u010det s\u202frezervou\u00a0"},"content":{"rendered":"\n

Zkro\u0165te sv\u016fj rozpo\u010det <\/strong><\/h2>\n\n\n\n

Kdy\u017e m\u00e1te finance nah\u00e1zen\u00e9 bez ladu a skladu na jednu hromadu a postupn\u011b z\u202fn\u00ed u\u017edibujete podle chuti, pen\u00edze se rozkut\u00e1l\u00ed, ani nemrknete. Rozpo\u010det tu kupu rozd\u011bl\u00ed na men\u0161\u00ed hrom\u00e1dky<\/strong> a na ka\u017edou nalep\u00ed \u0161t\u00edtek s \u00fa\u010delem. D\u00edky tomu p\u0159esn\u011b v\u00edte, z\u202fjak\u00e9 kupky p\u0159i placen\u00ed odeb\u00edr\u00e1te a kolik v\u00e1m tam zb\u00fdv\u00e1<\/strong>. A snadno se tak vyhnete riziku, \u017ee byste kv\u016fli neuv\u00e1\u017een\u00fdm n\u00e1kup\u016fm museli t\u00fdden p\u0159ed v\u00fdplatou \u017eivo\u0159it na rohl\u00edk\u00e1ch a \u010d\u00ednsk\u00fdch pol\u00e9vk\u00e1ch. <\/p>\n\n\n\n

Tvorba rozpo\u010dtu krok za krokem <\/strong><\/h2>\n\n\n\n

Kl\u00ed\u010dem k\u202ffunk\u010dn\u00edmu rozpo\u010dtu je syst\u00e9m a dobr\u00e9 pl\u00e1nov\u00e1n\u00ed<\/strong>. Je pot\u0159eba p\u0159edv\u00eddat, po\u010d\u00edtat s\u202fnep\u0159\u00edjemn\u00fdmi sc\u00e9n\u00e1\u0159i a vid\u011bt a\u017e za roh. A ide\u00e1ln\u011b taky a\u017e za rok. \u010c\u00edm v\u00edc toho v\u00edte dop\u0159edu, t\u00edm men\u0161\u00ed je pravd\u011bpodobnost, \u017ee v\u00e1s n\u011bco p\u0159ekvap\u00ed<\/strong> \u2013 a vykolej\u00ed v\u00e1\u0161 finan\u010dn\u00ed syst\u00e9m. Jak postupovat, aby rozpo\u010det fungoval? <\/p>\n\n\n\n

1. Spo\u010d\u00edtejte si sv\u00e9 p\u0159\u00edjmy <\/strong><\/h3>\n\n\n\n

V\u00edte, kolik pen\u011bz v\u00e1m m\u011bs\u00ed\u010dn\u011b p\u0159istane na \u00fa\u010dtu? Abyste mohli sv\u016fj rozpo\u010det sestavit opravdu na m\u00edru, po\u010d\u00edtejte s\u202fkapit\u00e1lem, kter\u00fd budete m\u00edt ur\u010dit\u011b ka\u017ed\u00fd m\u011bs\u00edc k\u202fdispozici<\/strong>. M\u00e1te i jin\u00e9 pravideln\u00e9 p\u0159\u00edjmy<\/a> ne\u017e ze zam\u011bstn\u00e1n\u00ed? Zahr\u0148te je taky.<\/p>\n\n\n\n

2. Roz\u0161katulkujte v\u00fddaje <\/strong><\/h3>\n\n\n\n

Jakmile m\u00e1te v\u0161echny p\u0159\u00edjmy na jedn\u00e9 hrom\u00e1dce, m\u016f\u017eete je rozd\u011blit do kategori\u00ed<\/strong>. P\u0159edchoz\u00ed generace vyu\u017e\u00edvaly nej\u010dast\u011bji ob\u00e1lky, my u\u017e m\u00e1me i jin\u00e9 mo\u017enosti, nap\u0159\u00edklad vychytan\u00e9 mobiln\u00ed apky na spr\u00e1vu financ\u00ed<\/a>. Sestava kategori\u00ed m\u016f\u017ee b\u00fdt t\u0159eba: <\/p>\n\n\n\n

\n

\u2713 Bydlen\u00ed<\/strong> (n\u00e1jem nebo spl\u00e1tka hypot\u00e9ky) <\/p>\n\n\n\n

\u2713 Energie a slu\u017eby<\/strong> (topen\u00ed, voda, plyn, elekt\u0159ina, popelnice aj.) <\/p>\n\n\n\n

\u2713<\/strong> J\u00eddlo<\/strong> (n\u00e1kupy, ob\u011bdy aj.) <\/p>\n\n\n\n

\u2713<\/strong> Internet, mobil, TV<\/strong> (tarify, p\u0159edplatn\u00e1 aj.) <\/p>\n\n\n\n

\u2713 Doprava<\/strong> (benz\u00edn, l\u00edta\u010dky aj.) <\/p>\n\n\n\n

\u2713<\/strong> Oble\u010den\u00ed a boty<\/strong> (hlavn\u011b u d\u011bt\u00ed, rychle rostou) <\/p>\n\n\n\n

\u2713<\/strong> \u0160kola<\/strong> (pom\u016fcky, akce aj.) <\/p>\n\n\n\n

\u2713 Z\u00e1bava<\/strong> (v\u00fdlety, restaurace aj.) <\/p>\n\n\n\n

\u2713 D\u00e1rky<\/strong> (fond na narozeniny, sv\u00e1tky, V\u00e1noce aj.) <\/p>\n\n\n\n

\u2713<\/strong> Kapesn\u00e9<\/strong> (ka\u017ed\u00fd \u010dlen rodiny by m\u011bl m\u00edt n\u011bjak\u00e9 pen\u00edze jen pro sebe) <\/p>\n\n\n\n

\u2713<\/strong> Spo\u0159en\u00ed a investice<\/strong> (stavebko, penzijko aj.) <\/p>\n\n\n\n

\u2713 Poji\u0161t\u011bn\u00ed<\/strong> (povinn\u00e9 ru\u010den\u00ed, \u017eivotko, havarijko, pojistka dom\u00e1cnosti aj.) <\/p>\n\n\n\n

\u2713 Rezerva<\/strong> (S.O.S. kapit\u00e1l hned po ruce) <\/p>\n\n\n\n

<\/p>\n\n\n\n

Rozpo\u010det bude samoz\u0159ejm\u011b vypadat u ka\u017ed\u00e9ho jinak. N\u011bkdo m\u00e1 psa, jin\u00fd spl\u00e1c\u00ed studentskou p\u016fj\u010dku, dal\u0161\u00ed nem\u00e1 d\u011bti nebo nepot\u0159ebuje auto. Kategorie si proto napasujte na svoji situaci a p\u0159izp\u016fsobte vlastn\u00edm pot\u0159eb\u00e1m<\/strong>. <\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Ve\u010fte si z\u00e1znamy, kolik za co utr\u00e1c\u00edte <\/strong><\/h3>\n\n\n\n

Pe\u010dliv\u011b sledujte sv\u00e9 v\u00fddaje<\/a> a zapisujte si, na kolik v\u00e1s co p\u0159ijde<\/strong>. Nezapom\u00ednejte ani na drobnosti, jako je n\u00e1kup<\/a> sv\u00e1\u010di do pr\u00e1ce nebo kafe z\u202fautomatu. Pokud plat\u00edte hlavn\u011b kartou, v\u011bt\u0161inu pr\u00e1ce za v\u00e1s m\u016f\u017ee odv\u00e9st n\u011bkter\u00e1 ze zmi\u0148ovan\u00fdch mobapek<\/a>.  <\/p>\n\n\n

TIP!<\/div>
TIP: Jak si p\u0159i pl\u00e1nov\u00e1n\u00ed poradit s\u202fro\u010dn\u00edmi v\u00fddaji, jako je t\u0159eba povinn\u00e9 ru\u010den\u00ed? Jednodu\u0161e \u2013 platbu si rozpo\u010d\u00edtejte na 12 m\u011bs\u00edc\u016f.<\/b> Pen\u00edze si ka\u017ed\u00fd m\u011bs\u00edc poctiv\u011b odkl\u00e1dejte do p\u0159\u00edslu\u0161n\u00e9 kategorie a a\u017e rok uplyne, budete je m\u00edt p\u0159ipraven\u00e9 na dal\u0161\u00ed platbu.<\/div><\/div>\n\n\n\n

<\/p>\n\n\n\n

4. Mrkn\u011bte, jestli n\u011bkde m\u016f\u017eete v\u00fddaje p\u0159i\u0161krtit\u00a0<\/strong><\/h3>\n\n\n\n

Je jasn\u00e9, \u017ee n\u00e1jem, energie a slu\u017eby zaplatit mus\u00edte. V\u202fdne\u0161n\u00ed dob\u011b se nejsp\u00ed\u0161 neobejdete bez internetu a vhodn\u00e9ho tarifu nebo pen\u011bz nutn\u00fdch k\u202fprovozu auta. Zkuste ale zap\u00e1trat v ostatn\u00edch v\u00fddaj\u00edch<\/strong> \u2013 t\u0159eba najdete n\u011bjakou \u0161kv\u00edrku, kterou v\u00e1m pen\u00edze potaj\u00ed ut\u00edkaj\u00ed. <\/p>\n\n\n\n

Opravdu pot\u0159ebujete m\u00edt zaplacen\u00fd Netflix, Max, Disney+ i Prime Video nar\u00e1z? Nesta\u010dila by jedna platforma, kterou p\u0159\u00edpadn\u011b dle chuti vym\u011bn\u00edte za jinou s\u202flep\u0161\u00ed aktu\u00e1ln\u00ed nab\u00eddkou? Nenab\u00edz\u00ed t\u0159eba jin\u00fd oper\u00e1tor levn\u011bj\u0161\u00ed tarif se stejn\u00fdmi parametry? Ur\u010dit\u011b m\u00e1te to nejv\u00fdhodn\u011bj\u0161\u00ed povinn\u00e9 ru\u010den\u00ed? Ne\u0161lo by u\u0161et\u0159it n\u011bjakou tu ka\u010dku na r\u016fzn\u00fdch mlsk\u00e1ch, jako je cola nebo bramb\u016frky? <\/p>\n\n\n\n

Pokud m\u00e1te v\u0161echno vylad\u011bn\u00e9 tip \u0165op<\/strong> a \u017e\u00e1dn\u00e1 \u010dern\u00e1 d\u00edra se ve va\u0161em rozpo\u010dtu nevyskytuje, dobr\u00e1 pr\u00e1ce! <\/p>\n\n\n\n

\"Posvi\u0165te
Posvi\u0165te si na zbyte\u010dn\u00e9 v\u00fddaje.<\/figcaption><\/figure>\n\n\n\n

5. Nastavte si automatick\u00e9 platby\u00a0<\/strong><\/h3>\n\n\n\n

Nutn\u00e9 v\u00fddaje zapla\u0165te co nejd\u0159\u00edv.<\/strong> Aktivujte si trval\u00fd p\u0159\u00edkaz <\/strong>pro platbu n\u00e1jmu nebo spl\u00e1tek hypot\u00e9ky, energi\u00ed a dal\u0161\u00edch pravideln\u00fdch v\u00fddaj\u016f se stabiln\u00ed v\u00fd\u0161\u00ed. Pokud m\u00e1te t\u0159eba \u00fa\u010det za telefon ka\u017ed\u00fd m\u011bs\u00edc jin\u00fd, za\u0159i\u010fte si SIPO<\/strong>. Nezapome\u0148te ani na spo\u0159en\u00ed a rezervu. <\/p>\n\n\n\n

Datum platby zvolte v\u202fco nejmen\u0161\u00ed bezpe\u010dn\u00e9 vzd\u00e1lenosti od v\u00fdplatn\u00edho dne<\/strong>, ide\u00e1ln\u011b tak 3 a\u017e 5 dn\u00ed. M\u00e1te-li m\u00e1te v\u00fdplatn\u00ed den 15., do 20. budete m\u00edt nutn\u00e9 v\u011bci zaplacen\u00e9 a st\u0159echu nad hlavou zaji\u0161t\u011bnou. Jakmile v\u0161echny pravideln\u00e9 v\u00fddaje odejdou, ze z\u016fstatku si odpo\u010d\u00edtejte je\u0161t\u011b nezbytn\u00e9 pen\u00edze do \u201efond\u016f\u201c na j\u00eddlo, oble\u010den\u00ed, dopravu a \u0161kolu sv\u00fdch ratolest\u00ed. <\/p>\n\n\n\n

Zbytek pak m\u016f\u017eete vyu\u017e\u00edt pro radost na v\u00fdlety \u010di z\u00e1bavu a p\u0159\u00edpadn\u011b pos\u00edlit hrom\u00e1dku ur\u010denou na d\u00e1rky, pokud si takovou vedete. <\/p>\n\n\n\n

Uk\u00e1zka rozpo\u010dtu v\u202fpraxi\u00a0<\/strong><\/h2>\n\n\n\n

Rodina Rozumn\u00fdch m\u00e1 dv\u011b d\u011bti \u0161kolou povinn\u00e9 a celkov\u00e9 p\u0159\u00edjmy 85 tis\u00edc \u010dist\u00e9ho. Hospoda\u0159\u00ed spole\u010dn\u011b a pro sebe si nech\u00e1vaj\u00ed jenom drobn\u00e9 kapesn\u00e9. Bydl\u00ed v\u202fn\u00e1jemn\u00edm byt\u011b na okraji Prahy a vlastn\u00ed jedno star\u0161\u00ed auto. Bytov\u00fd d\u016fm m\u00e1 plynov\u00e9 vyt\u00e1p\u011bn\u00ed i plynov\u00fd kotel na oh\u0159ev vody, va\u0159\u00ed se na indukci a v\u202felektrick\u00e9 troub\u011b. Rozpo\u010det t\u00e9to modelov\u00e9 rodiny vypad\u00e1 takhle:\u00a0<\/p>\n\n\n\n

Kategorie<\/strong> <\/td>\u00da\u010del<\/strong> <\/td><\/tr>
Bydlen\u00ed <\/td>21 000 K\u010d <\/td>N\u00e1jem <\/td>21 000 K\u010d <\/td><\/tr>
Energie a slu\u017eby <\/td>7 720 K\u010d <\/td>Elekt\u0159ina <\/td>2 600 K\u010d <\/td><\/tr>
Plyn <\/td>3 100 K\u010d <\/td><\/tr>
Voda <\/td>1 300 K\u010d <\/td><\/tr>
Slu\u017eby v dom\u011b <\/td>300 K\u010d <\/td><\/tr>
Odvoz odpadu <\/td>420 K\u010d <\/td><\/tr>
J\u00eddlo <\/td>16 400 K\u010d <\/td>J\u00eddlo pro rodinu <\/td>10 000 K\u010d <\/td><\/tr>
2\u00d7 ob\u011bdy ve \u0161kole <\/td>2 400 K\u010d <\/td><\/tr>
2\u00d7 ob\u011bdy v pr\u00e1ci <\/td>4 000 K\u010d <\/td><\/tr>
Internet, mobil, TV <\/td>2 660 K\u010d <\/td>Pevn\u00fd internet <\/td>500 K\u010d <\/td><\/tr>
Tarify <\/td>1 600 K\u010d <\/td><\/tr>
TV <\/td>300 K\u010d <\/td><\/tr>
Netflix <\/td>260 K\u010d <\/td><\/tr>
Doprava <\/td>3 300 K\u010d <\/td>Benz\u00edn <\/td>3 000 K\u010d <\/td><\/tr>
MHD <\/td>300 K\u010d <\/td><\/tr>
Oble\u010den\u00ed a boty <\/td>3 500 K\u010d <\/td>Na oble\u010den\u00ed <\/td>2 500 K\u010d <\/td><\/tr>
Na boty <\/td>1 000 K\u010d <\/td><\/tr>
\u0160kola <\/td>2 000 K\u010d <\/td>Akce \u0161koly <\/td>1 500 K\u010d <\/td><\/tr>
Pom\u016fcky <\/td>500 K\u010d <\/td><\/tr>
Z\u00e1bava <\/td>8 000 K\u010d <\/td>V\u00fdlety s rodinou <\/td>6 000 K\u010d <\/td><\/tr>
Posezen\u00ed s p\u0159\u00e1teli <\/td>2 000 K\u010d <\/td><\/tr>
D\u00e1rky <\/td>1 500 K\u010d <\/td>Na narozeniny <\/td>500 K\u010d <\/td><\/tr>
Na V\u00e1noce <\/td>1 000 K\u010d <\/td><\/tr>
Kapesn\u00e9 <\/td>7 200 K\u010d <\/td>M\u00e1ma <\/td>3 000 K\u010d <\/td><\/tr>
T\u00e1ta <\/td>3 000 K\u010d <\/td><\/tr>
Star\u0161\u00ed d\u00edt\u011b <\/td>700 K\u010d <\/td><\/tr>
Mlad\u0161\u00ed d\u00edt\u011b <\/td>500 K\u010d <\/td><\/tr>
Spo\u0159en\u00ed a investice <\/td>6 800 K\u010d <\/td>2\u00d7 penzijko <\/td>1 200 K\u010d <\/td><\/tr>
2\u00d7 stavebko <\/td>3 600 K\u010d <\/td><\/tr>
Na dovolenou <\/td>2 000 K\u010d <\/td><\/tr>
Poji\u0161t\u011bn\u00ed <\/td>510 K\u010d <\/td>Povinn\u00e9 ru\u010den\u00ed <\/td>300 K\u010d <\/td><\/tr>
Poji\u0161t\u011bn\u00ed odpov\u011bdnosti <\/td>210 K\u010d <\/td><\/tr>
Rezerva <\/td>4 000 K\u010d <\/td>Na dal\u0161\u00ed v\u00fddaje <\/td>1 000 K\u010d <\/td><\/tr>
Na ne\u010dekan\u00e9 v\u00fddaje <\/td>3 000 K\u010d <\/td><\/tr>
P\u0159\u00edjmy celkem<\/strong> <\/td>85 000 K\u010d<\/strong> <\/td>V\u00fddaje celkem<\/strong> <\/td>84 590 K\u010d<\/strong> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rezerva a jak s\u202fn\u00ed pracovat\u00a0<\/strong><\/h2>\n\n\n\n

Rezerva je kapit\u00e1l pro platby, kter\u00e9 nejsou \u00fapln\u011b b\u011b\u017en\u00e9<\/strong>. M\u016f\u017eou sem pat\u0159it r\u016fzn\u00e9 drobnosti, jako t\u0159eba l\u00e9ky na ka\u0161el nebo poplatek za \u00fa\u0159edn\u00ed ov\u011b\u0159en\u00ed podpisu, nebo naopak v\u011bt\u0161\u00ed ne\u010dekan\u00e9 v\u00fddaje typu rozbit\u00e1 pra\u010dka.\u00a0<\/p>\n\n\n\n

Proto doporu\u010duju dr\u017eet si rezervy dv\u011b. Jednu m\u011bjte na sv\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu a pracujte s\u202fn\u00ed v\u202fr\u00e1mci m\u011bs\u00ed\u010dn\u00edho rozpo\u010dtu<\/strong>. Pom\u016f\u017ee v\u00e1m pokr\u00fdt nejr\u016fzn\u011bj\u0161\u00ed men\u0161\u00ed platby, se kter\u00fdmi v\u202frozpo\u010dtu zkr\u00e1tka po\u010d\u00edtat nem\u016f\u017eete, proto\u017ee nejsou moc p\u0159edv\u00eddateln\u00e9. Rezerva na \u00fa\u010dtu zajist\u00ed, \u017ee v\u00e1s nezasko\u010d\u00ed. <\/p>\n\n\n\n

Velkou rezervu si dr\u017ete ide\u00e1ln\u011b bokem, vhodn\u00fd je spo\u0159ic\u00ed \u00fa\u010det s\u202fmo\u017enost\u00ed okam\u017eit\u00e9ho v\u00fdb\u011bru<\/strong>. Tam si postupn\u011b st\u0159\u00e1dejte pen\u00edze, kter\u00e9 v\u00e1s zachr\u00e1n\u00ed, kdy\u017e v\u00e1m nap\u0159\u00edklad klekne auto nebo odejde lednice. Ve velk\u00e9 rezerv\u011b byste m\u011bli m\u00edt aspo\u0148 3 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy<\/strong>, ide\u00e1ln\u00ed je sp\u00ed\u0161 5 a\u017e 6. S\u202ftakovou jistotou v\u202fz\u00e1dech se v\u00e1m bude mnohem l\u00e9pe d\u00fdchat, a kdy\u017e v\u00e1s t\u0159eba p\u0159epadne n\u011bjak\u00e1 choroba, m\u016f\u017eete se v\u202fklidu vyle\u017eet a ne\u0159e\u0161it existen\u010dn\u00ed ot\u00e1zky. <\/p>\n\n\n

TIP!<\/div>
TIP: Rezerva na spo\u0159ic\u00edm \u00fa\u010dtu m\u00e1 je\u0161t\u011b jednu v\u00fdhodu \u2013 pen\u00edze tam nele\u017e\u00ed ladem, ale postupn\u011b se zhodnocuj\u00ed.<\/b> \u00darok sice nen\u00ed tak p\u0159\u00edzniv\u00fd jako t\u0159eba u term\u00ednovan\u00fdch vklad\u016f, sv\u00e9 finance ale m\u00e1te po\u0159\u00e1d po ruce.<\/div><\/div>\n\n\n\n

Rozpo\u010det si u\u0161ijte na m\u00edru\u00a0<\/strong><\/h2>\n\n\n\n

Je\u0161t\u011b jednou p\u0159ipom\u00edn\u00e1m, \u017ee v\u00fd\u0161e zm\u00edn\u011bn\u00e9 kategorie nemus\u00ed vyhovovat ka\u017ed\u00e9mu. N\u011bkter\u00e9 rodiny t\u0159eba hospoda\u0159\u00ed s\u202fodd\u011blen\u00fdmi pen\u011bzi, jinde zase maj\u00ed finan\u010dn\u011b n\u00e1ro\u010dn\u00e9 kon\u00ed\u010dky, kter\u00e9 je pot\u0159eba do rozpo\u010dtu zahrnout. P\u0159izp\u016fsobte pl\u00e1n svoj\u00ed situaci, \u017eivotn\u00edmu stylu a osobn\u00edm pot\u0159eb\u00e1m.<\/strong>  <\/p>\n\n\n\n

Nezapome\u0148te ho taky pr\u016fb\u011b\u017en\u011b aktualizovat<\/strong>, proto\u017ee ceny se m\u011bn\u00ed. Na konci ka\u017ed\u00e9ho m\u011bs\u00edce si shr\u0148te re\u00e1ln\u00e9 v\u00fddaje a zapracujte je do pl\u00e1nu na dal\u0161\u00ed obdob\u00ed<\/strong>. Finan\u010dn\u00ed jistota je d\u016fle\u017eit\u00e1 pro psychickou pohodu, kter\u00e1 je zase z\u00e1sadn\u00ed pro va\u0161e zdrav\u00ed. Tak to nepodce\u0148te. <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Schopnost vytvo\u0159it si udr\u017eiteln\u00fd rozpo\u010det je z\u00e1kladem finan\u010dn\u00ed gramotnosti. Nezn\u00ed to nijak slo\u017eit\u011b \u2013 porovnat dal a m\u00e1 d\u00e1ti a se\u0161krtat zbyte\u010dn\u00e9 v\u00fddaje p\u0159ece zvl\u00e1dne ka\u017ed\u00fd. I tvorba jednoduch\u00e9ho rodinn\u00e9ho rozpo\u010dtu ale m\u016f\u017ee b\u00fdt o\u0159\u00ed\u0161ek, pokud nem\u00e1te ve sv\u00fdch pen\u011bz\u00edch po\u0159\u00e1dek. Pod\u00edvejme se na to spole\u010dn\u011b.<\/p>\n","protected":false},"author":27,"featured_media":10882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,157,2304,24],"class_list":["post-10881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-financni-gramotnost","tag-finance","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nJak si vytvo\u0159it m\u011bs\u00ed\u010dn\u00ed rozpo\u010det s\u202frezervou\u00a0 | Skip Pay<\/title>\n<meta name=\"description\" content=\"Z\u00edskejte kontrolu nad sv\u00fdmi financemi. Nau\u010dte se efektivn\u011b spravovat sv\u00e9 p\u0159\u00edjmy a v\u00fddaje. 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