{"id":12083,"date":"2025-12-31T11:47:30","date_gmt":"2025-12-31T10:47:30","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=12083"},"modified":"2026-01-06T12:07:06","modified_gmt":"2026-01-06T11:07:06","slug":"novorocni-rozpocet","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/novorocni-rozpocet\/","title":{"rendered":"Novoro\u010dn\u00ed rozpo\u010det: Jak u\u0161et\u0159it pen\u00edze a m\u00edt v\u00fddaje pod kontrolou?\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Jak ud\u011blat rodinn\u00fd rozpo\u010det\u00a0efektivn\u011bj\u0161\u00edm<\/h2>\n\n\n\n<p>Pro zhodnocen\u00ed va\u0161\u00ed finan\u010dn\u00ed situace\u00a0si\u00a0nejprve\u00a0<strong>projd\u011bte\u00a0p\u0159ehled\u00a0p\u0159\u00edjm\u016f\u00a0a v\u00fddaj\u016f\u00a0za posledn\u00ed\u00a0rok<\/strong>.\u00a0D\u00edky tomu\u00a0zjist\u00edte, jak jste loni hospoda\u0159ili a\u00a0kde pen\u00edze skute\u010dn\u011b miz\u00ed.\u00a0Pot\u00e9 pokra\u010dujte pravideln\u00fdm zaznamen\u00e1v\u00e1n\u00edm va\u0161\u00ed \u00fatraty.\u00a0Pokud jste si dote\u010f p\u0159ehled nevedli,\u00a0obr\u00e1zek\u00a0o sv\u00fdch transakc\u00edch\u00a0z\u00edsk\u00e1te z\u00a0bankovn\u00edch v\u00fdpis\u016f.\u00a0<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">Nakupujte se Skip Pay \u2013 podrobn\u00fd souhrn v\u0161ech sv\u00fdch n\u00e1kup\u016f tak budete m\u00edt v\u017edy po ruce v na\u0161\u00ed <a href=\"https:\/\/skippay.cz\/mobilni-aplikace\">vychytan\u00e9 apce<\/a>.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Co\u00a0je pravidlo 50\/30\/20\u00a0<\/h2>\n\n\n\n<p>Pod \u010d\u00edsly\u00a050\/30\/20\u00a0se skr\u00fdv\u00e1\u00a0<strong>pravidlo\u00a0pro\u00a0rozd\u011blen\u00ed p\u0159\u00edjm\u016f<\/strong>,\u00a0kdy 50 % vyu\u017eijete na nezbytn\u00e9 v\u00fddaje, 30 % na\u00a0ka\u017edodenn\u00ed\u00a0\u017eivot\u00a0a\u00a020 % na \u00faspory nebo investice.\u00a0\u00a0<\/p>\n\n\n\n<p>Jde\u00a0o orienta\u010dn\u00ed r\u00e1mec\u00a0odpov\u011bdn\u00e9ho\u00a0hospoda\u0159en\u00ed, kter\u00fd\u00a0<strong>pom\u00e1h\u00e1 udr\u017eet\u00a0rozpo\u010det v\u00a0rovnov\u00e1ze<\/strong>\u00a0a smyslupln\u011b \u0161et\u0159it.\u00a0Z\u00e1rove\u0148 ale nebr\u00e1n\u00ed n\u00e1kup\u016fm drobn\u00fdch radost\u00ed.\u00a0\u00a0<br>\u00a0<br>Dodr\u017eov\u00e1n\u00edm tohoto pravidla doc\u00edl\u00edte\u00a0v\u011bt\u0161\u00ed finan\u010dn\u00ed pohody a \u010dasem si vytvo\u0159\u00edte\u00a0slu\u0161nou\u00a0rezervu i prostor pro\u00a0<a href=\"https:\/\/skippay.cz\/investuj-pri-nakupovani\" target=\"_blank\" rel=\"noreferrer noopener\">investice<\/a>.\u00a0<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">Investice nejsou \u017e\u00e1dn\u00e1 v\u011bda. Ke ka\u017ed\u00e9mu n\u00e1kupu se Skip Pay p\u0159iho\u010fte p\u00e1r korun, kter\u00e9 za v\u00e1s <a href=\"https:\/\/skippay.cz\/investuj-pri-nakupovani\">chyt\u0159e zainvestujeme<\/a>.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Na \u010dem se d\u00e1 nejv\u00edc u\u0161et\u0159it\u00a0bez pocitu od\u0159\u00edk\u00e1n\u00ed?\u00a0<\/h2>\n\n\n\n<p>Kdy\u017e p\u0159ijde \u0159e\u010d na \u00faspory, v\u011bt\u0161ina lid\u00ed si p\u0159edstav\u00ed drastick\u00e9 \u0161krty.\u00a0Probl\u00e9m\u00a0ale \u010dasto\u00a0vznik\u00e1 \u00fapln\u011b jinde \u2013 v drobn\u00fdch v\u00fddaj\u00edch, kter\u00e9 se postupn\u011b\u00a0nas\u010d\u00edtaj\u00ed.\u00a0Pen\u00edze m\u016f\u017eete nev\u011bdomky vyhazovat za\u00a0zapomenut\u00e1 p\u0159edplatn\u00e1, impulzivn\u00ed\u00a0online\u00a0n\u00e1kupy nebo slu\u017eby, kter\u00e9 u\u017e d\u00e1vno nevyu\u017e\u00edv\u00e1te naplno.\u00a0<strong>Projd\u011bte si\u00a0sv\u00e9 \u00fa\u010dty<\/strong>,\u00a0nejsp\u00ed\u0161\u00a0v nich tyto polo\u017eky najdete.\u00a0Takto snadno\u00a0zjist\u00edte,\u00a0na \u010dem\u00a0u\u0161et\u0159it, ani\u017e by to z\u00e1sadn\u011b ovlivnilo v\u00e1\u0161 \u017eivotn\u00ed styl\u00a0a vy si\u00a0nemuseli\u00a0odp\u00edrat drobn\u00e9 radosti.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pl\u00e1n B aneb kdy\u017e pen\u00edze nevych\u00e1z\u00ed<\/h2>\n\n\n\n<p>D\u00edky\u00a0promy\u0161len\u00e9mu rozpo\u010dtu u\u017e v\u00edte,\u00a0jak u\u0161et\u0159it pen\u00edze. Ne\u010dekan\u00e9 v\u00fddaje v\u00e1s ale\u00a0m\u016f\u017eou\u00a0potkat\u00a0i tak. Rozbit\u00e9 spot\u0159ebi\u010de, vytopen\u00fd byt,\u00a0nebo vysok\u00e9 n\u00e1klady na energie\u00a0nejsou\u00a0polo\u017eky, se kter\u00fdmi lze dop\u0159edu po\u010d\u00edtat. Vy na n\u011b ale budete p\u0159ipraven\u00ed, a to d\u00edky\u00a0u\u017eite\u010dn\u00e9mu\u00a0pomocn\u00edkovi, kter\u00fdm\u00a0je\u00a0<a href=\"https:\/\/skippay.cz\/balicek-maxi\" target=\"_blank\" rel=\"noreferrer noopener\">bal\u00ed\u010dek MAXI<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pl\u00e1nujte sv\u00e9 v\u00fddaje chyt\u0159e se Skip\u00a0Pay\u00a0\u00a0<\/h2>\n\n\n\n<p>S\u00a0bal\u00ed\u010dkem MAXI\u00a0v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc d\u00e1me\u00a0<strong>a\u017e 100 000 K\u010d na n\u00e1kupy<\/strong>\u00a0<strong>a na jejich zaplacen\u00ed a\u017e 50 dn\u00ed<\/strong>.\u00a0Sv\u00e9 v\u00fddaje\u00a0pak najdete\u00a0p\u0159ehledn\u011b\u00a0na jednom m\u00edst\u011b\u00a0<strong>\u2011\u00a0<\/strong><a href=\"https:\/\/skippay.cz\/mobilni-aplikace\">v na\u0161\u00ed\u00a0apce<\/a>.\u00a0\u00a0<\/p>\n\n\n\n<p>A kdy\u017e se v\u00e1m&nbsp;\u00fahrada&nbsp;n\u00e1kup\u016f zrovna nehod\u00ed?&nbsp;Vy\u00fa\u010dtov\u00e1n\u00ed si m\u016f\u017eete&nbsp;za f\u00e9rov\u00fd&nbsp;poplatek<strong>&nbsp;<\/strong><a href=\"https:\/\/skippay.cz\/odlozeni-splatnosti\" target=\"_blank\" rel=\"noreferrer noopener\">posunout na p\u0159\u00ed\u0161t\u00ed m\u011bs\u00edc<\/a>.&nbsp;D\u00edky t\u00e9to&nbsp;flexibilit\u011b si&nbsp;n\u00e1klady&nbsp;snadno rozlo\u017e\u00edte&nbsp;tak, aby rozpo\u010det v jednu chv\u00edli nezat\u00ed\u017eily&nbsp;a\u017e&nbsp;p\u0159\u00edli\u0161.&nbsp;<\/p>\n\n\n<figure class=\"wp-block-image size-large d-md-none\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 690px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_690px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n<figure class=\"wp-block-image size-large d-none d-md-block\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank&quot;\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 919px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_919px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>","protected":false},"excerpt":{"rendered":"<p>Za\u010d\u00e1tek nov\u00e9ho roku je ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost\u00ed pro revizi rozpo\u010dtu a pl\u00e1nov\u00e1n\u00ed dlouhodob\u011bj\u0161\u00edch v\u00fddaj\u016f. Takov\u00fd finan\u010dn\u00ed restart m\u016f\u017ee napov\u011bd\u011bt, do \u010deho investovat nebo na \u010dem u\u0161et\u0159it bez p\u0159\u00edli\u0161n\u00e9ho omezov\u00e1n\u00ed. Sta\u010d\u00ed dodr\u017eovat n\u011bkolik pravidel a m\u00edt i pl\u00e1n B pro p\u0159\u00edpad nenad\u00e1l\u00fdch v\u00fddaj\u016f. <\/p>\n","protected":false},"author":41,"featured_media":12085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[3230,157,38,24],"class_list":["post-12083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory-2","tag-financni-gramotnost","tag-investice","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Novoro\u010dn\u00ed rozpo\u010det: Jak u\u0161et\u0159it a m\u00edt p\u0159ehled o v\u00fddaj\u00edch? I Skip Pay<\/title>\n<meta name=\"description\" content=\"Sestaven\u00ed novoro\u010dn\u00edho rozpo\u010dtu v\u00e1m pom\u016f\u017ee s pl\u00e1nov\u00e1n\u00edm dlouhodob\u011bj\u0161\u00edch v\u00fddaj\u016f. Sta\u010d\u00ed jen dodr\u017eovat n\u011bkolik jednoduch\u00fdch pravidel.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/novorocni-rozpocet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Novoro\u010dn\u00ed rozpo\u010det: Jak u\u0161et\u0159it a m\u00edt p\u0159ehled o v\u00fddaj\u00edch? I Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Sestaven\u00ed novoro\u010dn\u00edho rozpo\u010dtu v\u00e1m pom\u016f\u017ee s pl\u00e1nov\u00e1n\u00edm dlouhodob\u011bj\u0161\u00edch v\u00fddaj\u016f. Sta\u010d\u00ed jen dodr\u017eovat n\u011bkolik jednoduch\u00fdch pravidel.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/novorocni-rozpocet\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-31T10:47:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-06T11:07:06+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/skippay.cz\/blog\/wp-content\/uploads\/2026\/01\/Novorocni-rozpocet.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1568\" \/>\n\t<meta property=\"og:image:height\" content=\"706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Dana Halu\u0161kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dana Halu\u0161kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/\"},\"author\":{\"name\":\"Dana Halu\u0161kov\u00e1\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/c56c2db4ae1172d6d6ddfccad207b388\"},\"headline\":\"Novoro\u010dn\u00ed rozpo\u010det: Jak u\u0161et\u0159it pen\u00edze a m\u00edt v\u00fddaje pod kontrolou?\u00a0\",\"datePublished\":\"2025-12-31T10:47:30+00:00\",\"dateModified\":\"2026-01-06T11:07:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/\"},\"wordCount\":564,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/Novorocni-rozpocet.jpg\",\"keywords\":[\"\u00faspory\",\"Finan\u010dn\u00ed gramotnost\",\"Investice\",\"Tipy &amp; Triky\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/novorocni-rozpocet\\\/\",\"name\":\"Novoro\u010dn\u00ed rozpo\u010det: Jak u\u0161et\u0159it a m\u00edt p\u0159ehled o v\u00fddaj\u00edch? 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