{"id":140683,"date":"2025-09-05T18:53:28","date_gmt":"2025-09-05T16:53:28","guid":{"rendered":"https:\/\/www.mojevrijeme.hr\/magazin\/?p=140683"},"modified":"2025-09-05T18:54:39","modified_gmt":"2025-09-05T16:54:39","slug":"koliko-eura-je-normalno-drzati-na-tekucem-racunu","status":"publish","type":"post","link":"https:\/\/www.mojevrijeme.hr\/magazin\/2025\/09\/koliko-eura-je-normalno-drzati-na-tekucem-racunu\/","title":{"rendered":"Koliko eura je &#8216;normalno&#8217; dr\u017eati na teku\u0107em ra\u010dunu?"},"content":{"rendered":"\n<p>Koliko je dovoljno, a kada postaje previ\u0161e? Neki na teku\u0107em ra\u010dunu ostavljaju tek onoliko koliko im je potrebno za mjese\u010dne tro\u0161kove, dok drugi svjesno dr\u017ee ve\u0107i iznos kako bi uvijek imali rezervu za potencijalne tro\u0161kove. Stru\u010dnjaci upozoravaju da iako pun teku\u0107i ra\u010dun ulijeva sigurnost, novac na njemu ne donosi gotovo nikakve kamate i zbog inflacije gubi vrijednost.<\/p>\n\n\n\n<p>Prema istra\u017eivanju Deutsche Banke iz 2023. godine, prosje\u010dni iznosi na teku\u0107im ra\u010dunima razlikuju se ovisno o dobi. Mladi od 16 do 24 godine dr\u017ee prosje\u010dno oko 1.400 eura, skupina od 25 do 34 godine 2.200 eura, osobe od 35 do 44 godine 2.600 eura, oni izme\u0111u 45 i 54 godine 3.300 eura, skupina od 55 do 64 godine 3.100 eura dok stariji od 75 godina prosje\u010dno imaju oko 4.200 eura, pi\u0161e <a href=\"https:\/\/www.focus.de\/\" target=\"_blank\" rel=\"noreferrer noopener\">Focus.de<\/a>.<\/p>\n\n\n\n<p>Naravno, rije\u010d je o prosjecima, a iznosi ovise o primanjima, tro\u0161kovima i navikama \u0161tednje. Da se ne bi gubilo zbog novca koji samo &#8220;trune&#8221; na teku\u0107em ra\u010dunu, financija\u0161i preporu\u010duju da se uvijek dr\u017ei iznos potreban za mjese\u010dne tro\u0161kove, uz dodatnu sigurnosnu rezervu.<\/p><div id=\"mojev-4231335175\" class=\"mojev-u-tekstu mojev-entity-placement\" style=\"margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Prikazni 1 u tekstu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"8535551207\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n\n\n\n<p>Primjerice, ako ku\u0107anstvo tro\u0161i oko 2.000 eura mjese\u010dno, na ra\u010dunu bi se trebalo nalaziti jo\u0161 500 do 1.000 eura vi\u0161e za nepredvi\u0111ene situacije. Sav vi\u0161ak najbolje je rasporediti na ra\u010dune koji donose kamatu ili u dugoro\u010dnije oblike \u0161tednje.<\/p>\n<div id=\"mojev-2522180120\" class=\"mojev-kraj-teksta mojev-entity-placement\" style=\"margin-bottom: 20px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Display-1 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"1465712950\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Teku\u0107i ra\u010dun dobar je za svakodnevna pla\u0107anja, ali nije rje\u0161enje za dugoro\u010dnu \u0161tednju.<\/p>\n","protected":false},"author":1,"featured_media":89130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[2606,4028],"class_list":["post-140683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vijesti","tag-financijska-pismenost","tag-tekuci-racuni"],"_links":{"self":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/140683","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/comments?post=140683"}],"version-history":[{"count":2,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/140683\/revisions"}],"predecessor-version":[{"id":140685,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/140683\/revisions\/140685"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media\/89130"}],"wp:attachment":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media?parent=140683"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/categories?post=140683"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/tags?post=140683"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}