{"id":804,"date":"2023-05-16T19:57:21","date_gmt":"2023-05-16T17:57:21","guid":{"rendered":"https:\/\/regbu.com\/?p=804"},"modified":"2025-09-05T07:42:33","modified_gmt":"2025-09-05T05:42:33","slug":"financni-rezerva-je-v-zivote-dulezita","status":"publish","type":"post","link":"https:\/\/regbu.com\/en\/financial-reserve-is-important-in-life\/","title":{"rendered":"Financial reserve is important in life"},"content":{"rendered":"<p>Financial reserve is a concept found in private and commercial environments. A phrase that should not be underestimated at any cost. The meaning of these words is quite obvious. They are <strong>deliberately setting aside funds for a rainy day<\/strong>. And there can be more than enough of these situations in life.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car repair<\/li>\n\n\n\n<li>Replacing a damaged boiler<\/li>\n\n\n\n<li>Other unforeseen expenses<\/li>\n<\/ul>\n\n\n\n<p>Adverse economic developments are exactly the kind of situation where you need a financial reserve. Most people can't cover a large, one-off, unexpected expense all at once. That's why they need to have a cash reserve that they can dip into without jeopardizing the financial health of their household.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financial reserve has an impact on the psyche<\/h2>\n\n\n\n<p>If you have a cushion of savings, it's certainly better than if you have no money at all. <em>It affects not only your wallet, but also the psychological side of a person<\/em>. With a financial reserve, you can avoid unwanted stress and life pressures. A reserve of this type fulfills its role in many life situations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subject<\/strong><\/td><td><strong>Value<\/strong><\/td><\/tr><tr><td>Loss of employment<\/td><td>Time to find a new job<\/td><\/tr><tr><td>Health problems<\/td><td>You can cure yourself in peace<\/td><\/tr><tr><td>Broken down car<\/td><td>You don't have to walk<\/td><\/tr><tr><td>Reduction of regular income<\/td><td>Pregnancy<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Situations in which you will need a financial reserve, or enough money saved.<\/figcaption><\/figure>\n\n\n\n<p>We could certainly continue in a similar vein. It is therefore clear from the above lines that a financial reserve is an absolute necessity for every family. Unfortunately, not everyone takes this into account and puts aside funds on a regular basis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Reserve as part of a family plan<\/h3>\n\n\n\n<p>If you are conscientious about keeping <a href=\"https:\/\/regbu.com\/en\/family-finance-plan-vas-can-save\/\"><strong>family financial plan<\/strong><\/a> or you're embarking on a family budget, don't forget to have a financial reserve. It is an integral part of the budget and should be kept in mind when choosing your income distribution. Of course, set aside money according to your own means.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>General guidelines state that approximately 10 % of regular net income should be set aside for a financial reserve. <\/p>\n<cite>Elizabeth W., economist.<\/cite><\/blockquote>\n\n\n\n<p>Another principle of the financial reserve is that these funds will be liquid. You need to access them without any problem and without any notice or waiting period. We will discuss this in more detail in the following lines.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize-1024x579.jpg\" alt=\"\" class=\"wp-image-806\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nasetrene-penize.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">It is better to have at least a small amount of money saved than to have no money at all.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The financial reserve is an individual matter<\/h2>\n\n\n\n<p>The rules for the creation of the cash reserve are one thing. The other is everyone's life situation. The size of the financial reserve is therefore <strong>influenced by a variety of factors<\/strong>. It is not possible to approach it and its creation unambiguously, but individually. And what all influences her?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your working profession<\/li>\n\n\n\n<li>Size of regular income<\/li>\n\n\n\n<li>Amount of expenditure in the household<\/li>\n<\/ul>\n\n\n\n<p>The financial reserve, by the way, is a matter for employees and business people. In the case of the self-employed, the cash reserve is given greater emphasis. This is particularly so in view of the uncertainty of a regular income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Formation of financial reserve<\/h3>\n\n\n\n<p>You can come across a number of model scenarios on how to build up such a financial reserve. You now know that a number of secondary factors influence the question of how much is enough. However, you can bet on some of the proven model scenarios that will suit your way of living.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Individual models<\/strong><\/td><td><strong>Value<\/strong><\/td><\/tr><tr><td>Regular procrastination<\/td><td>10 % plate<\/td><\/tr><tr><td>Length of financial reserve<\/td><td>3 to 6 months<\/td><\/tr><tr><td>Alternative plan<\/td><td>6x net income<\/td><\/tr><tr><td>Alternative Plan II<\/td><td>12x net income<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Do you know how much money you should set aside from your paycheck each month?<\/figcaption><\/figure>\n\n\n\n<p>Different lessons equals different results. For some, it will be hard to build a financial reserve for six months, let alone a year. <em>Its creation must therefore be adapted to one's own needs, habits and possibilities<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Determine the amount of the financial reserve<\/h3>\n\n\n\n<p>In general, the financial reserve should cover your household costs for a set period of time. This means that you need to know how much money you need each month to get by in all respects. Of course, you can take into account the fact that during a crisis you can reduce such expenses a little.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The amount of financial provision will be different for a single person, and vice versa for a family with children. <\/p>\n<cite>Jacob R., economist.<\/cite><\/blockquote>\n\n\n\n<p>Your springboard should be the aforementioned family budget. Write down your income and expenses. Then compare everything and, if necessary, find room for savings. Based on this information, start building a financial reserve.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici-1024x579.jpg\" alt=\"\" class=\"wp-image-807\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-ve-sklenici.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">A financial reserve stored in a jar is not the best way to go, opt for a savings account instead.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Building financial reserves from A to Z<\/h2>\n\n\n\n<p>Do you want to know the way to create a sufficient financial reserve? It sounds simple enough. Save money, or you'll be <strong>building up the reserve will take many long years<\/strong>. And that's not exactly an ideal model. The sooner a financial buffer is part of your family plan, the better.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Forgive yourself for a while for buying expensive things<\/li>\n\n\n\n<li>Remove unnecessary items from the budget<\/li>\n\n\n\n<li>Spend less on entertainment<\/li>\n<\/ul>\n\n\n\n<p>Once the financial reserve is at its full potential, you can loosen the reins on your money plan again. On the other hand, regularly setting aside money as a reserve doesn't have to be only for the short term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Short-term, medium-term and long-term reserve<\/h3>\n\n\n\n<p>The financial reserve is a saving for a rainy day. But you should also think about it in the longer term. After all, putting money aside should be part of a family budget <em>an automatic and essentially endless affair<\/em>. This gives you three different scenarios.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subject<\/strong><\/td><td><strong>Value<\/strong><\/td><\/tr><tr><td>Short-term reserve<\/td><td>Unexpected expenses<\/td><\/tr><tr><td>Medium-term reserve<\/td><td>Financing of the objectives<\/td><\/tr><tr><td>Long-term reserve<\/td><td>Future investments<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">The cash reserve can take several forms in terms of time horizon.<\/figcaption><\/figure>\n\n\n\n<p>In terms of time periods, the short-term financial reserve refers to six months to one year. Whereas the medium-term cash reserve is between one and five years. Finally, there is the long-term reserve of more than five years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How quickly can you save a financial reserve?<\/h3>\n\n\n\n<p>It is essential to set a plan for saving money. A financial reserve doesn't just appear out of the blue. It all depends on how much money you set aside from your paycheck. If it's 5 %, you can build up a financial reserve for up to ten years.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>It is optimal to set aside 10 % from your salary, because then you will build up a financial reserve within about five years. <\/p>\n<cite>Olivia S., economist.<\/cite><\/blockquote>\n\n\n\n<p>If your financial situation and family budget allow it, you can build up your financial reserves much faster. <strong>Set aside 20 % of income and you will reach your goals in less than three years<\/strong>. Don't underestimate this imaginary financial cushion and start working to fill it as soon as possible.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez-1024x579.jpg\" alt=\"\" class=\"wp-image-808\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/pocitani-penez.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Try to gradually expand and appreciate your financial reserve. It will definitely pay off.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The financial reserve should not be left at home<\/h2>\n\n\n\n<p>Mention should also be made of the deposit of funds in the financial reserve. Definitely avoid hoarding money at home in a drawer. In such a place, your savings will be gobbled up by the rapid rate of inflation. Better to choose banking products with at least minimal appreciation. At the same time, make sure that you can use your money immediately in case of problems. So savings accounts are the ideal solution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial Reserve - Frequently Asked Questions and Answers<\/h3>\n\n\n\n<p>You have now learned probably the most important thing about the financial reserve. <em>It must be of adequate value, liquid and available at any time<\/em>. If you are interested in further information related to this topic, please read the following questions and answers.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684433021087\"><strong class=\"schema-faq-question\">Where not to put the financial reserve?<\/strong> <p class=\"schema-faq-answer\">Because of the quick availability of funds, you should not invest in stocks, mutual funds and bonds, for example.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433033508\"><strong class=\"schema-faq-question\">What if I am unable to achieve an adequate financial reserve in a reasonable amount of time?<\/strong> <p class=\"schema-faq-answer\">In this case, do not despair and think that something is better than nothing. It's always better to have money saved on the side than an empty wallet.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433042620\"><strong class=\"schema-faq-question\">What should the financial reserve cover in the event of a loss of income?<\/strong> <p class=\"schema-faq-answer\">First and foremost is the cost of living. Next, use this money for food, regular expenses in the form of repayments, electricity, water, etc. For personal expenses, consider only the essentials, such as phone bills.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433052512\"><strong class=\"schema-faq-question\">Is the financial reserve suitable for paying the mortgage?<\/strong> <p class=\"schema-faq-answer\">No, that is not what this money is primarily for. Focus on paying the mortgage as part of some long-term plan. The financial reserve has a completely different purpose.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433064037\"><strong class=\"schema-faq-question\">Is it advisable to have a financial reserve in a current bank account?<\/strong> <p class=\"schema-faq-answer\">It's certainly better than having money at home under your pillow. On the other hand, there are other free banking products that at least give you some value for your savings. Savings accounts are a typical example.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">You can't do without a financial reserve<\/h3>\n\n\n\n<p>After reading the above lines, you will surely agree with us that <strong>financial reserve<\/strong> should become an integral part of everyone's financial plan. Therefore, think about its form, consider your income and expenses and start saving slowly.<\/p>","protected":false},"excerpt":{"rendered":"<p>Financial reserve is a concept found in private and commercial environments. A phrase that should not be underestimated at any cost. The meaning of these words is quite obvious. It is the deliberate setting aside of funds for a rainy day. And there can be more than enough of these situations in life. Adverse economic developments, that's exactly... <\/p>","protected":false},"author":2,"featured_media":805,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[645,326,646,640,643,331,641,642,613,644,433],"class_list":["post-804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-dlouhodoba","tag-finance","tag-financni","tag-financni-rezerva","tag-kratkodova","tag-penize","tag-rezerva","tag-setreni","tag-sporeni","tag-strednedova","tag-uspory"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1 - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Finan\u010dn\u00ed rezerva je n\u011b\u010d\u00edm, bez \u010deho byste nem\u011bli b\u00fdt. Nau\u010dte se \u0161et\u0159it a vytvo\u0159te si pen\u011b\u017en\u00ed rezervu na hor\u0161\u00ed \u010dasy. Vyplat\u00ed se to.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/regbu.com\/en\/financial-reserve-is-important-in-life\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1 - REGBU.COM\" \/>\n<meta property=\"og:description\" content=\"Finan\u010dn\u00ed rezerva je n\u011b\u010d\u00edm, bez \u010deho byste nem\u011bli b\u00fdt. Nau\u010dte se \u0161et\u0159it a vytvo\u0159te si pen\u011b\u017en\u00ed rezervu na hor\u0161\u00ed \u010dasy. Vyplat\u00ed se to.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/regbu.com\/en\/financial-reserve-is-important-in-life\/\" \/>\n<meta property=\"og:site_name\" content=\"REGBU.COM\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-16T17:57:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-05T05:42:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"680\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/\"},\"author\":{\"name\":\"George Martin\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"headline\":\"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1\",\"datePublished\":\"2023-05-16T17:57:21+00:00\",\"dateModified\":\"2025-09-05T05:42:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/\"},\"wordCount\":1937,\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/financni-rezerva-je-v-zivote-dulezita.jpg\",\"keywords\":[\"dlouhodob\u00e1\",\"finance\",\"finan\u010dn\u00ed\",\"finan\u010dn\u00ed rezerva\",\"kr\u00e1tkodov\u00e1\",\"pen\u00edze\",\"rezerva\",\"\u0161et\u0159en\u00ed\",\"spo\u0159en\u00ed\",\"st\u0159edn\u011bdov\u00e1\",\"\u00faspory\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/\",\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/\",\"name\":\"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1 - REGBU.COM\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/financni-rezerva-je-v-zivote-dulezita.jpg\",\"datePublished\":\"2023-05-16T17:57:21+00:00\",\"dateModified\":\"2025-09-05T05:42:33+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\"},\"description\":\"Finan\u010dn\u00ed rezerva je n\u011b\u010d\u00edm, bez \u010deho byste nem\u011bli b\u00fdt. Nau\u010dte se \u0161et\u0159it a vytvo\u0159te si pen\u011b\u017en\u00ed rezervu na hor\u0161\u00ed \u010dasy. Vyplat\u00ed se to.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433021087\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433033508\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433042620\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433052512\"},{\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433064037\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#primaryimage\",\"url\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/financni-rezerva-je-v-zivote-dulezita.jpg\",\"contentUrl\":\"https:\\\/\\\/regbu.com\\\/wp-content\\\/uploads\\\/2023\\\/05\\\/financni-rezerva-je-v-zivote-dulezita.jpg\",\"width\":1200,\"height\":680,\"caption\":\"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/regbu.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/\",\"name\":\"REGBU.COM\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/regbu.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/regbu.com\\\/en\\\/#\\\/schema\\\/person\\\/94ea9deda2629771b8a9ced002f6784e\",\"name\":\"George Martin\",\"url\":\"https:\\\/\\\/regbu.com\\\/en\\\/author\\\/george-martin\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433021087\",\"position\":1,\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433021087\",\"name\":\"Kam finan\u010dn\u00ed rezervu rozhodn\u011b neukl\u00e1dat?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kv\u016fli rychl\u00e9 dostupnosti pen\u011b\u017en\u00edch prost\u0159edk\u016f byste nem\u011bli finance investovat nap\u0159\u00edklad do akci\u00ed, pod\u00edlov\u00fdch fond\u016f a dluhopis\u016f.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433033508\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433033508\",\"name\":\"Co kdy\u017e nejsem schopen dos\u00e1hnout adekv\u00e1tn\u00ed finan\u010dn\u00ed rezervy v p\u0159im\u011b\u0159en\u00e9 dob\u011b?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"V takov\u00e9m p\u0159\u00edpad\u011b nezoufejte a myslete na to, \u017ee je lep\u0161\u00ed n\u011bco ne\u017e nic. V\u017edy je dobr\u00e9 m\u00edt pen\u00edze naspo\u0159en\u00e9 bokem ne\u017e pr\u00e1zdnou pen\u011b\u017eenku.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433042620\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433042620\",\"name\":\"Co v\u0161echno by m\u011bla pokr\u00fdvat finan\u010dn\u00ed rezerva v p\u0159\u00edpad\u011b v\u00fdpadku p\u0159\u00edjmu?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"V prvn\u00ed \u0159ad\u011b jsou to n\u00e1klady na bydlen\u00ed. D\u00e1le tyto pen\u00edze pou\u017eijte na j\u00eddlo, pravideln\u00e9 v\u00fddaje v podob\u011b spl\u00e1tek, na \u00fahradu elekt\u0159iny, vody apod. U osobn\u00edch v\u00fddaj\u016f vezm\u011bte v potaz jen ty nejnutn\u011bj\u0161\u00ed, jak\u00fdmi jsou nap\u0159\u00edklad \u00fa\u010dty za telefon.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433052512\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433052512\",\"name\":\"Hod\u00ed se finan\u010dn\u00ed rezerva na zaplacen\u00ed hypot\u00e9ky?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nikoliv, k tomu tyto pen\u00edze prim\u00e1rn\u011b neslou\u017e\u00ed. Na zaplacen\u00ed hypot\u00e9ky se zam\u011b\u0159te v r\u00e1mci n\u011bjak\u00e9ho dlouhodob\u00e9ho pl\u00e1nu. Finan\u010dn\u00ed rezerva m\u00e1 zcela jin\u00fd \u00fa\u010del.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433064037\",\"position\":5,\"url\":\"https:\\\/\\\/regbu.com\\\/financni-rezerva-je-v-zivote-dulezita\\\/#faq-question-1684433064037\",\"name\":\"Je vhodn\u00e9 m\u00edt finan\u010dn\u00ed rezervu na b\u011b\u017en\u00e9m bankovn\u00edm \u00fa\u010dtu?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ur\u010dit\u011b je to lep\u0161\u00ed ne\u017e m\u00edt pen\u00edze doma pod pol\u0161t\u00e1\u0159em. Na druhou stranu jsou tu jin\u00e9 bezplatn\u00e9 bankovn\u00ed produkty p\u0159in\u00e1\u0161ej\u00edc\u00ed alespo\u0148 n\u011bjak\u00e9 zhodnocen\u00ed \u00faspor. Typick\u00fdm p\u0159\u00edkladem jsou spo\u0159ic\u00ed \u00fa\u010dty.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial reserve is important in life - REGBU.COM","description":"A financial reserve is something you shouldn't be without. Learn to save and build a cash reserve for a rainy day. It will pay off.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/regbu.com\/en\/financial-reserve-is-important-in-life\/","og_locale":"en_US","og_type":"article","og_title":"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1 - REGBU.COM","og_description":"Finan\u010dn\u00ed rezerva je n\u011b\u010d\u00edm, bez \u010deho byste nem\u011bli b\u00fdt. Nau\u010dte se \u0161et\u0159it a vytvo\u0159te si pen\u011b\u017en\u00ed rezervu na hor\u0161\u00ed \u010dasy. Vyplat\u00ed se to.","og_url":"https:\/\/regbu.com\/en\/financial-reserve-is-important-in-life\/","og_site_name":"REGBU.COM","article_published_time":"2023-05-16T17:57:21+00:00","article_modified_time":"2025-09-05T05:42:33+00:00","og_image":[{"width":1200,"height":680,"url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg","type":"image\/jpeg"}],"author":"George Martin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"George Martin","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#article","isPartOf":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/"},"author":{"name":"George Martin","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"headline":"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1","datePublished":"2023-05-16T17:57:21+00:00","dateModified":"2025-09-05T05:42:33+00:00","mainEntityOfPage":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/"},"wordCount":1937,"image":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg","keywords":["dlouhodob\u00e1","finance","finan\u010dn\u00ed","finan\u010dn\u00ed rezerva","kr\u00e1tkodov\u00e1","pen\u00edze","rezerva","\u0161et\u0159en\u00ed","spo\u0159en\u00ed","st\u0159edn\u011bdov\u00e1","\u00faspory"],"articleSection":["Finance"],"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/","url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/","name":"Financial reserve is important in life - REGBU.COM","isPartOf":{"@id":"https:\/\/regbu.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#primaryimage"},"image":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#primaryimage"},"thumbnailUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg","datePublished":"2023-05-16T17:57:21+00:00","dateModified":"2025-09-05T05:42:33+00:00","author":{"@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e"},"description":"A financial reserve is something you shouldn't be without. Learn to save and build a cash reserve for a rainy day. It will pay off.","breadcrumb":{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433021087"},{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433033508"},{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433042620"},{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433052512"},{"@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433064037"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financni-rezerva-je-v-zivote-dulezita.jpg","width":1200,"height":680,"caption":"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Finan\u010dn\u00ed rezerva je v \u017eivot\u011b d\u016fle\u017eit\u00e1"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/en\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433021087","position":1,"url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433021087","name":"Where not to put the financial reserve?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Kv\u016fli rychl\u00e9 dostupnosti pen\u011b\u017en\u00edch prost\u0159edk\u016f byste nem\u011bli finance investovat nap\u0159\u00edklad do akci\u00ed, pod\u00edlov\u00fdch fond\u016f a dluhopis\u016f.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433033508","position":2,"url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433033508","name":"What if I am unable to achieve an adequate financial reserve in a reasonable amount of time?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"V takov\u00e9m p\u0159\u00edpad\u011b nezoufejte a myslete na to, \u017ee je lep\u0161\u00ed n\u011bco ne\u017e nic. V\u017edy je dobr\u00e9 m\u00edt pen\u00edze naspo\u0159en\u00e9 bokem ne\u017e pr\u00e1zdnou pen\u011b\u017eenku.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433042620","position":3,"url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433042620","name":"What should the financial reserve cover in the event of a loss of income?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"V prvn\u00ed \u0159ad\u011b jsou to n\u00e1klady na bydlen\u00ed. D\u00e1le tyto pen\u00edze pou\u017eijte na j\u00eddlo, pravideln\u00e9 v\u00fddaje v podob\u011b spl\u00e1tek, na \u00fahradu elekt\u0159iny, vody apod. U osobn\u00edch v\u00fddaj\u016f vezm\u011bte v potaz jen ty nejnutn\u011bj\u0161\u00ed, jak\u00fdmi jsou nap\u0159\u00edklad \u00fa\u010dty za telefon.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433052512","position":4,"url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433052512","name":"Is the financial reserve suitable for paying the mortgage?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nikoliv, k tomu tyto pen\u00edze prim\u00e1rn\u011b neslou\u017e\u00ed. Na zaplacen\u00ed hypot\u00e9ky se zam\u011b\u0159te v r\u00e1mci n\u011bjak\u00e9ho dlouhodob\u00e9ho pl\u00e1nu. Finan\u010dn\u00ed rezerva m\u00e1 zcela jin\u00fd \u00fa\u010del.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433064037","position":5,"url":"https:\/\/regbu.com\/financni-rezerva-je-v-zivote-dulezita\/#faq-question-1684433064037","name":"Is it advisable to have a financial reserve in a current bank account?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ur\u010dit\u011b je to lep\u0161\u00ed ne\u017e m\u00edt pen\u00edze doma pod pol\u0161t\u00e1\u0159em. Na druhou stranu jsou tu jin\u00e9 bezplatn\u00e9 bankovn\u00ed produkty p\u0159in\u00e1\u0161ej\u00edc\u00ed alespo\u0148 n\u011bjak\u00e9 zhodnocen\u00ed \u00faspor. Typick\u00fdm p\u0159\u00edkladem jsou spo\u0159ic\u00ed \u00fa\u010dty.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/comments?post=804"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/804\/revisions"}],"predecessor-version":[{"id":809,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/posts\/804\/revisions\/809"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media\/805"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/media?parent=804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/categories?post=804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/en\/wp-json\/wp\/v2\/tags?post=804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}