{"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\/sl\/financna-rezerva-je-pomembna-v-zivljenju\/","title":{"rendered":"Finan\u010dna rezerva je v \u017eivljenju pomembna"},"content":{"rendered":"<p>Finan\u010dna rezerva je pojem, ki ga najdemo v zasebnih in poslovnih okoljih. Besedna zveza, ki je za nobeno ceno ne smemo podcenjevati. Pomen teh besed je povsem o\u010diten. Gre za <strong>zavestno odlaganje sredstev za \u010drne dni.<\/strong>. Teh situacij je v \u017eivljenju lahko ve\u010d kot dovolj.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Popravilo avtomobila<\/li>\n\n\n\n<li>Zamenjava po\u0161kodovanega kotla<\/li>\n\n\n\n<li>Drugi nepredvideni stro\u0161ki<\/li>\n<\/ul>\n\n\n\n<p>Neugoden gospodarski razvoj je ravno tisti primer, ko potrebujete finan\u010dno rezervo. Ve\u010dina ljudi ne more naenkrat pokriti velikega, enkratnega in nepri\u010dakovanega stro\u0161ka. Zato potrebujejo denarno rezervo, v katero lahko pose\u017eejo, ne da bi ogrozili finan\u010dno zdravje svojega gospodinjstva.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Finan\u010dna rezerva vpliva na psiho<\/h2>\n\n\n\n<p>\u010ce imate dovolj prihrankov, je to vsekakor bolje, kot \u010de nimate denarja. <em>Ne vpliva le na va\u0161o denarnico, temve\u010d tudi na psiholo\u0161ko plat osebe.<\/em>. S finan\u010dno rezervo se lahko izognete neza\u017eelenemu stresu in \u017eivljenjskim pritiskom. Tak\u0161na rezerva izpolnjuje svojo vlogo v \u0161tevilnih \u017eivljenjskih situacijah.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Izguba zaposlitve<\/td><td>\u010cas za iskanje nove zaposlitve<\/td><\/tr><tr><td>Zdravstvene te\u017eave<\/td><td>V miru se lahko zdravite<\/td><\/tr><tr><td>Pokvarjen avtomobil<\/td><td>Ni vam treba hoditi<\/td><\/tr><tr><td>Zmanj\u0161anje rednega dohodka<\/td><td>Nose\u010dnost<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Situacije, v katerih boste potrebovali finan\u010dno rezervo ali dovolj privar\u010devanega denarja.<\/figcaption><\/figure>\n\n\n\n<p>Zagotovo bi lahko nadaljevali v podobnem duhu. Iz zgornjih vrstic je torej razvidno, da je finan\u010dna rezerva nujno potrebna za vsako dru\u017eino. \u017dal pa tega ne upo\u0161tevajo vsi in ne odlagajo sredstev na stran redno.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rezervirajte kot del dru\u017einskega na\u010drta<\/h3>\n\n\n\n<p>\u010ce vestno skrbite za ohranjanje <a href=\"https:\/\/regbu.com\/sl\/druzinski-financni-nacrt-vas-lahko-prihrani\/\"><strong>dru\u017einski finan\u010dni na\u010drt<\/strong><\/a> \u010de se odlo\u010date za dru\u017einski prora\u010dun, ne pozabite na finan\u010dno rezervo. Ta je sestavni del prora\u010duna in jo je treba upo\u0161tevati pri izbiri razporeditve prihodkov. Seveda pa denar odlagajte na stran v skladu s svojimi zmo\u017enostmi.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Splo\u0161ne smernice dolo\u010dajo, da je treba za finan\u010dno rezervo nameniti pribli\u017eno 10 % rednega neto dohodka. <\/p>\n<cite>Elizabeth W., ekonomistka.<\/cite><\/blockquote>\n\n\n\n<p>Drugo na\u010delo finan\u010dne rezerve je, da so ta sredstva likvidna. Do njih lahko dostopate brez te\u017eav in brez predhodnega obvestila ali \u010dakanja. O tem bomo podrobneje razpravljali v naslednjih vrsticah.<\/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\">Bolje je imeti prihranjen vsaj majhen znesek denarja, kot pa ga sploh ne imeti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Finan\u010dna rezerva je individualna zadeva<\/h2>\n\n\n\n<p>Pravila za oblikovanje denarne rezerve so ena stvar. Druga stvar so \u017eivljenjske razmere vsakega posameznika. Velikost denarne rezerve je zato <strong>na katere vplivajo razli\u010dni dejavniki.<\/strong>. K njemu in njegovemu nastanku ni mogo\u010de pristopiti enozna\u010dno, temve\u010d individualno. In kaj vse vpliva nanjo?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Va\u0161 poklic<\/li>\n\n\n\n<li>Velikost rednega dohodka<\/li>\n\n\n\n<li>Znesek izdatkov v gospodinjstvu<\/li>\n<\/ul>\n\n\n\n<p>Finan\u010dne rezerve so stvar zaposlenih in poslovne\u017eev. Pri samozaposlenih je finan\u010dna rezerva bolj poudarjena. To velja zlasti zaradi negotovosti glede rednih prihodkov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Oblikovanje finan\u010dne rezerve<\/h3>\n\n\n\n<p>Na voljo je ve\u010d vzor\u010dnih scenarijev, kako ustvariti tak\u0161no finan\u010dno rezervo. Zdaj veste, da na vpra\u0161anje, koliko je dovolj, vplivajo \u0161tevilni sekundarni dejavniki. Vendar pa lahko stavite na nekatere preverjene modelne scenarije, ki bodo ustrezali va\u0161emu na\u010dinu \u017eivljenja.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Posamezni modeli<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Redno odla\u0161anje<\/td><td>10 % plo\u0161\u010da<\/td><\/tr><tr><td>Dol\u017eina finan\u010dne rezerve<\/td><td>3 do 6 mesecev<\/td><\/tr><tr><td>Alternativni na\u010drt<\/td><td>6-kratnik \u010distega dobi\u010dka<\/td><\/tr><tr><td>Alternativni na\u010drt II<\/td><td>12-kratnik \u010distega dobi\u010dka<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Ali veste, koliko denarja morate vsak mesec od\u0161teti od svoje pla\u010de?<\/figcaption><\/figure>\n\n\n\n<p>Razli\u010dne lekcije pomenijo razli\u010dne rezultate. Nekaterim bo te\u017eko ustvariti finan\u010dno rezervo za \u0161est mesecev, kaj \u0161ele za eno leto. <em>Zato je treba njegovo oblikovanje prilagoditi lastnim potrebam, navadam in mo\u017enostim.<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dolo\u010ditev zneska finan\u010dne rezerve<\/h3>\n\n\n\n<p>Na splo\u0161no mora finan\u010dna rezerva pokrivati stro\u0161ke va\u0161ega gospodinjstva za dolo\u010deno obdobje. To pomeni, da morate vedeti, koliko denarja potrebujete vsak mesec, da boste lahko pre\u017eiveli v vseh pogledih. Seveda lahko upo\u0161tevate dejstvo, da lahko v \u010dasu krize te izdatke nekoliko zmanj\u0161ate.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Vi\u0161ina finan\u010dnih sredstev bo druga\u010dna za samsko osebo in obratno za dru\u017eino z otroki. <\/p>\n<cite>Jacob R., ekonomist.<\/cite><\/blockquote>\n\n\n\n<p>Va\u0161a odsko\u010dna deska mora biti \u017ee omenjeni dru\u017einski prora\u010dun. Zapi\u0161ite svoje prihodke in odhodke. Nato vse skupaj primerjajte in po potrebi poi\u0161\u010dite prostor za var\u010devanje. Na podlagi teh informacij za\u010dnite oblikovati finan\u010dno rezervo.<\/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\">Finan\u010dna rezerva, shranjena v kozarcu, ni najbolj\u0161i na\u010din, zato se raje odlo\u010dite za var\u010devalni ra\u010dun.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ustvarjanje finan\u010dnih rezerv od A do \u017d<\/h2>\n\n\n\n<p>\u017delite vedeti, kako ustvariti zadostno finan\u010dno rezervo? Sli\u0161i se preprosto. Prihranite denar, sicer boste <strong>ustvarjanje rezerve bo trajalo dolga leta.<\/strong>. In to ni ravno idealen model. \u010cim prej bo finan\u010dna rezerva del va\u0161ega dru\u017einskega na\u010drta, tem bolje.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Za nekaj \u010dasa si odpustite kupovanje dragih stvari<\/li>\n\n\n\n<li>Odstranitev nepotrebnih postavk iz prora\u010duna<\/li>\n\n\n\n<li>Manj zapravite za zabavo<\/li>\n<\/ul>\n\n\n\n<p>Ko bo va\u0161a finan\u010dna rezerva dosegla svoj polni potencial, boste lahko ponovno popustili vajeti svojega denarnega na\u010drta. Po drugi strani pa ni nujno, da redno odlaganje denarja v rezervo velja le za kratkoro\u010dno obdobje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kratkoro\u010dne, srednjero\u010dne in dolgoro\u010dne rezerve<\/h3>\n\n\n\n<p>Finan\u010dna rezerva je prihranek za \u010drne dni. Vendar morate o njej razmi\u0161ljati tudi dolgoro\u010dno. Navsezadnje bi moralo biti odlaganje denarja na stran del dru\u017einskega prora\u010duna. <em>samodejna in v bistvu neskon\u010dna zadeva.<\/em>. To vam omogo\u010da tri razli\u010dne scenarije.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Kratkoro\u010dne rezerve<\/td><td>Nepri\u010dakovani stro\u0161ki<\/td><\/tr><tr><td>Srednjero\u010dne rezerve<\/td><td>Financiranje ciljev<\/td><\/tr><tr><td>Dolgoro\u010dne rezerve<\/td><td>Prihodnje nalo\u017ebe<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Denarna rezerva ima lahko ve\u010d oblik glede na \u010dasovno obdobje.<\/figcaption><\/figure>\n\n\n\n<p>Kratkoro\u010dna finan\u010dna rezerva se nana\u0161a na obdobje od \u0161estih mesecev do enega leta. Srednjero\u010dna finan\u010dna rezerva pa se nana\u0161a na obdobje od enega do petih let. Nazadnje je tu \u0161e dolgoro\u010dna rezerva, ki traja ve\u010d kot pet let.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kako hitro lahko shranite finan\u010dno rezervo?<\/h3>\n\n\n\n<p>Bistveno je, da si dolo\u010dite na\u010drt za var\u010devanje. Finan\u010dna rezerva se ne pojavi kar naenkrat. Vse je odvisno od tega, koliko denarja od\u0161tejete od svoje pla\u010de. \u010ce je to 5 %, si lahko finan\u010dno rezervo ustvarite za do deset let.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Optimalno je, da od svoje pla\u010de od\u0161tejete 10 %, saj boste tako v pribli\u017eno petih letih ustvarili finan\u010dno rezervo. <\/p>\n<cite>Olivia S., ekonomistka.<\/cite><\/blockquote>\n\n\n\n<p>\u010ce vam to dopu\u0161\u010data finan\u010dni polo\u017eaj in dru\u017einski prora\u010dun, lahko finan\u010dne rezerve ustvarite veliko hitreje. <strong>Odlo\u017eite 20 % dohodka in svoje cilje boste dosegli v manj kot treh letih.<\/strong>. Ne podcenjujte te nami\u0161ljene finan\u010dne blazine in si \u010dim prej za\u010dnite prizadevati za njeno zapolnitev.<\/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\">Svojo finan\u010dno rezervo posku\u0161ajte postopoma pove\u010devati in ceniti. To se vam bo zagotovo obrestovalo.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Finan\u010dne rezerve ne smete pustiti doma<\/h2>\n\n\n\n<p>Omeniti je treba tudi deponiranje sredstev v finan\u010dni rezervi. Vsekakor se izogibajte kopi\u010denju denarja doma v predalu. Na takem mestu bo va\u0161e prihranke po\u017erla hitra stopnja inflacije. Bolje je izbrati ban\u010dne produkte z vsaj minimalnim pove\u010danjem vrednosti. Hkrati poskrbite, da boste v primeru te\u017eav lahko takoj uporabili svoj denar. Var\u010devalni ra\u010duni so zato idealna re\u0161itev.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finan\u010dna rezerva - pogosto zastavljena vpra\u0161anja in odgovori<\/h3>\n\n\n\n<p>Zdaj ste izvedeli verjetno najpomembnej\u0161o stvar o finan\u010dni rezervi. <em>Biti mora ustrezne vrednosti, likviden in kadar koli na voljo.<\/em>. \u010ce vas zanimajo dodatne informacije o tej temi, preberite naslednja vpra\u0161anja in odgovore.<\/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\">Kam ne bi smeli vlo\u017eiti finan\u010dne rezerve?<\/strong> <p class=\"schema-faq-answer\">Zaradi hitre razpolo\u017eljivosti sredstev ne smete vlagati v delnice, vzajemne sklade in obveznice, na primer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433033508\"><strong class=\"schema-faq-question\">Kaj pa, \u010de v razumnem \u010dasu ne morem ustvariti ustrezne finan\u010dne rezerve?<\/strong> <p class=\"schema-faq-answer\">V tem primeru ne obupajte in ne mislite, da je bolje nekaj kot ni\u010d. Vedno je bolje imeti prihranjen denar na strani kot prazno denarnico.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433042620\"><strong class=\"schema-faq-question\">Kaj bi morala finan\u010dna rezerva pokrivati v primeru izpada dohodka?<\/strong> <p class=\"schema-faq-answer\">Prvi in najpomembnej\u0161i so \u017eivljenjski stro\u0161ki. Nato ta denar porabite za hrano, redne stro\u0161ke v obliki odpla\u010dil, elektriko, vodo itd. Pri osebnih stro\u0161kih upo\u0161tevajte le najnujnej\u0161e, na primer ra\u010dune za telefon.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433052512\"><strong class=\"schema-faq-question\">Ali je finan\u010dna rezerva primerna za pla\u010dilo hipoteke?<\/strong> <p class=\"schema-faq-answer\">Ne, ta denar ni namenjen predvsem temu. Osredoto\u010dite se na odpla\u010devanje hipoteke kot del dolgoro\u010dnega na\u010drta. Finan\u010dna rezerva ima povsem druga\u010den namen.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433064037\"><strong class=\"schema-faq-question\">Ali je priporo\u010dljivo imeti finan\u010dno rezervo na teko\u010dem ban\u010dnem ra\u010dunu?<\/strong> <p class=\"schema-faq-answer\">To je vsekakor bolje, kot \u010de bi imeli denar doma pod blazino. Po drugi strani pa obstajajo tudi drugi brezpla\u010dni ban\u010dni produkti, ki vam za va\u0161e prihranke nudijo vsaj nekaj vrednosti. Tipi\u010den primer so var\u010devalni ra\u010duni.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Brez finan\u010dne rezerve ne gre<\/h3>\n\n\n\n<p>Po branju zgornjih vrstic se boste zagotovo strinjali z nami, da <strong>finan\u010dna rezerva<\/strong> mora postati sestavni del finan\u010dnega na\u010drta vsakega posameznika. Zato razmislite o njegovi obliki, upo\u0161tevajte svoje prihodke in odhodke ter za\u010dnite po\u010dasi var\u010devati.<\/p>","protected":false},"excerpt":{"rendered":"<p>Finan\u010dna rezerva je pojem, ki ga najdemo v zasebnih in poslovnih okoljih. Besedna zveza, ki je za nobeno ceno ne smemo podcenjevati. Pomen teh besed je povsem o\u010diten. Gre za namerno odlaganje sredstev za \u010drne dni. In takih situacij je v \u017eivljenju lahko ve\u010d kot dovolj. Neugoden gospodarski razvoj, to je to\u010dno to... <\/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 v27.5 - 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. 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Nau\u010dite se var\u010devati in ustvarite denarno rezervo za \u010drne dni. 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V\u017edy je dobr\u00e9 m\u00edt pen\u00edze naspo\u0159en\u00e9 bokem ne\u017e pr\u00e1zdnou pen\u011b\u017eenku.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Kaj bi morala finan\u010dna rezerva pokrivati v primeru izpada dohodka?","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":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Ali je finan\u010dna rezerva primerna za pla\u010dilo hipoteke?","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":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Ali je priporo\u010dljivo imeti finan\u010dno rezervo na teko\u010dem ban\u010dnem ra\u010dunu?","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":"sl-SI"},"inLanguage":"sl-SI"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/comments?post=804"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/804\/revisions"}],"predecessor-version":[{"id":809,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/804\/revisions\/809"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media\/805"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media?parent=804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/categories?post=804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/tags?post=804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}