{"id":1193,"date":"2019-12-13T12:43:06","date_gmt":"2019-12-13T11:43:06","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1193"},"modified":"2025-10-08T11:35:19","modified_gmt":"2025-10-08T09:35:19","slug":"5-tipu-jak-se-vyhnout-pujcce-na-vanoce","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-tipu-jak-se-vyhnout-pujcce-na-vanoce\/","title":{"rendered":"5 tip\u016f, jak se vyhnout p\u016fj\u010dce na V\u00e1noce"},"content":{"rendered":"\n

1. Stanovte si rozpo\u010det<\/strong><\/h2>\n\n\n\n

Ne\u017e se pust\u00edte do samotn\u00e9ho nakupov\u00e1n\u00ed, stanovte si \u010d\u00e1stku, kterou m\u016f\u017eete za d\u00e1rky utratit<\/strong>, ani\u017e by to poc\u00edtil v\u00e1\u0161 rodinn\u00fd rozpo\u010det. A tento limit se sna\u017ete za ka\u017edou cenu dodr\u017eet. Kdy\u017e si ur\u010d\u00edte pevn\u00fd strop, nebudete smutn\u011b pokukovat po v\u011bcech, kter\u00e9 si zkr\u00e1tka nem\u016f\u017eete dovolit. A po V\u00e1noc\u00edch na v\u00e1s nebude \u010dekat vyb\u00edlen\u00fd \u00fa\u010det.<\/p>\n\n\n

\n
\"\u010cesk\u00e9
Bu\u010fte realist\u00e9 a p\u0159izp\u016fsobte n\u00e1kupy sv\u00fdm finan\u010dn\u00edm mo\u017enostem.<\/figcaption><\/figure>\n<\/div>\n\n\n

Finan\u010dn\u00ed limit v\u00e1m usnadn\u00ed tak\u00e9 nakupov\u00e1n\u00ed na internetu<\/strong> \u2013 cenov\u00e9 srovn\u00e1va\u010de i e-shopy zpravidla umo\u017e\u0148uj\u00ed, abyste si vyfiltrovali produkty v konkr\u00e9tn\u00ed cenov\u00e9 hladin\u011b. T\u00e9to mo\u017enosti rozhodn\u011b vyu\u017eijte, proto\u017ee d\u00edky n\u00ed nebudete tr\u00e1vit \u010das prohl\u00ed\u017een\u00edm d\u00e1rk\u016f, kter\u00e9 jsou nad va\u0161e finan\u010dn\u00ed mo\u017enosti. Pokud preferujete kamenn\u00e9 obchody, vyrazte na n\u00e1kupy pouze s danou \u010d\u00e1stkou. I kdy\u017e to zn\u00ed trochu p\u0159\u00edsn\u011b, zamez\u00edte tak tomu, \u017ee utrat\u00edte v\u00edc, ne\u017e m\u00e1te v pl\u00e1nu.<\/p>\n\n\n\n

Zaj\u00edm\u00e1 v\u00e1s, kolik pen\u011bz lid\u00e9 v \u010cesku investuj\u00ed do n\u00e1kupu v\u00e1no\u010dn\u00edch d\u00e1rk\u016f? Z \u010derstv\u00e9ho pr\u016fzkumu MALL.CZ<\/a> vypl\u00fdv\u00e1, \u017ee \u010ce\u0161i za V\u00e1noce nej\u010dast\u011bji utrat\u00ed mezi 5 a 10 tis\u00edci korun. V\u011bt\u0161ina lid\u00ed po\u0159izuje 5 a\u017e 10 d\u00e1rk\u016f, \u010dtvrtina 15 a v\u00edce. Nejv\u011bt\u0161\u00ed mno\u017estv\u00ed bal\u00ed\u010dk\u016f pod strome\u010dkem se obvykle objevuje v dom\u00e1cnostech s mal\u00fdmi d\u011btmi.<\/em> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

2.<\/strong> Pla\u0165te za d\u00e1rky a\u017e po V\u00e1noc\u00edch<\/strong><\/h2>\n\n\n\n

Chcete-li ulevit sv\u00e9 pen\u011b\u017eence, zapome\u0148te na v\u00e1no\u010dn\u00ed p\u016fj\u010dku<\/a> nebo n\u00e1kup na spl\u00e1tky<\/a> a rad\u011bji d\u00e1rky nebo jejich \u010d\u00e1st nakupte s odlo\u017eenou platbou. Pokud si vyberete tuto modern\u00ed platebn\u00ed metodu, m\u016f\u017eete n\u00e1kup<\/a> uhradit kdykoliv b\u011bhem 30 dn\u016f od doru\u010den\u00ed. Spole\u010dnost Skip Pay, ale pro sv\u00e9 klienty p\u0159ipravila speci\u00e1ln\u00ed akci \u2013 za zbo\u017e\u00ed objednan\u00e9 p\u0159ed sv\u00e1tky mohou <\/strong>zaplatit a\u017e v pr\u016fb\u011bhu ledna<\/strong><\/a>. Tedy t\u0159eba a\u017e po v\u00fdplat\u011b za prosinec.<\/p>\n\n\n

TIP!<\/div>
A ve kter\u00fdch e-shopech m\u016f\u017eete odlo\u017eenou platbu vyu\u017e\u00edt? Jejich seznam se v posledn\u00ed dob\u011b rozrostl.<\/a><\/b><\/div><\/div>\n\n\n\n

Krom\u011b toho, \u017ee v\u00e1m odlo\u017een\u00e1 platba umo\u017en\u00ed sn\u00ed\u017eit \u010d\u00e1stku, kterou za V\u00e1noce jednor\u00e1zov\u011b utrat\u00edte<\/strong>, z\u00edsk\u00e1te s n\u00ed i dal\u0161\u00ed v\u00fdhody. Zbo\u017e\u00ed si budete moct p\u0159ed zaplacen\u00edm v klidu prohl\u00e9dnout, vyzkou\u0161et a otestovat, jestli je pro v\u00e1s to prav\u00e9. Za ka\u017ed\u00fd n\u00e1kup se Skip Pay nav\u00edc z\u00edsk\u00e1te bonusov\u00e9 body a dal\u0161\u00ed odm\u011bny, kter\u00e9 v\u00e1m nakupov\u00e1n\u00ed zp\u0159\u00edjemn\u00ed. A to nejlep\u0161\u00ed? Za vyu\u017eit\u00ed slu\u017eby samoz\u0159ejm\u011b nezaplat\u00edte ani korunu. <\/strong><\/p>\n\n\n\n

3.<\/strong> Nenakupujte na posledn\u00ed chv\u00edli<\/strong><\/h2>\n\n\n\n

Zm\u00edn\u011bn\u00fd pr\u016fzkum uk\u00e1zal, \u017ee 11 % \u010cech\u016f d\u00e1rky nakupuje u\u017e v z\u00e1\u0159\u00ed<\/strong>. K nim se v \u0159\u00edjnu a listopadu p\u0159id\u00e1vaj\u00ed ti, kte\u0159\u00ed neradi nech\u00e1vaj\u00ed v\u011bci na posledn\u00ed chv\u00edli a cht\u011bj\u00ed se vyhnout klasick\u00fdm tla\u010denic\u00edm v obchodech. Nen\u00ed asi velk\u00fdm p\u0159ekvapen\u00edm, \u017ee s dostate\u010dn\u00fdm p\u0159edstihem po\u0159izuj\u00ed d\u00e1rky sp\u00ed\u0161e \u017eeny ne\u017e mu\u017ei. P\u00e1r dn\u00ed p\u0159ed \u0160t\u011bdr\u00fdm dnem nakupuje pravideln\u011b 11 % lid\u00ed a velmi \u010dasto 27 %.<\/p>\n\n\n\n

Pokud vyr\u00e1\u017e\u00edte na lov d\u00e1rk\u016f se \u0160t\u011bdr\u00fdm dnem na krku, riskujete, \u017ee kv\u016fli \u010dasov\u00e9mu presu v panice popadnete prvn\u00ed v\u011bc, kter\u00e1 v\u00e1m p\u0159ijde pod ruku. Neuv\u00e1\u017een\u00fdm impulzivn\u00edm v\u00fdb\u011brem jednak zvy\u0161ujete pravd\u011bpodobnost, \u017ee se netref\u00edte obdarov\u00e1van\u00e9mu do vkusu, ale dost mo\u017en\u00e1 tak\u00e9 utrat\u00edte v\u00edce pen\u011bz, ne\u017e jste m\u011bli v pl\u00e1nu<\/strong>.<\/p>\n\n\n\n

4.<\/strong> Nep\u0159eh\u00e1n\u011bjte to<\/strong><\/h2>\n\n\n\n

V\u011bcn\u011b se s rodinou a kamar\u00e1dy domluvte na tom, v jak\u00e9m cenov\u00e9m rozp\u011bt\u00ed by se d\u00e1rek, kter\u00fd si navz\u00e1jem vym\u011bn\u00edte, m\u011bl pohybovat. \u010c\u00e1stku stanovte s ohledem na finan\u010dn\u00ed mo\u017enosti v\u0161ech z\u00fa\u010dastn\u011bn\u00fdch, aby si nikdo nemusel p\u0159ipadat trapn\u011b<\/strong>, kdy\u017e n\u011bkomu v\u011bnuje milou drobnost, zat\u00edmco s\u00e1m dostane dar za tis\u00edce.<\/p>\n\n\n

\n
\"Dom\u00e1c\u00ed
S l\u00e1skou vyroben\u00e1 sladkost v\u017edy pot\u011b\u0161\u00ed.<\/figcaption><\/figure>\n<\/div>\n\n\n

Pokud nikdo nen\u00ed proti, m\u016f\u017eete se domluvit i na d\u00e1rku ru\u010dn\u00ed v\u00fdroby. Na internetu najdete tis\u00edce n\u00e1padit\u00fdch DIY n\u00e1vod\u016f, a proto zdaleka nemus\u00ed j\u00edt o podivn\u00fd od lepidla upatlan\u00fd v\u00fdtvor. Vyrobit m\u016f\u017eete t\u0159eba bylinkovou s\u016fl do koupele, m\u00fddlo nebo origin\u00e1ln\u00ed \u0161perk. Skv\u011ble funguj\u00ed i d\u00e1rky, kter\u00e9 se daj\u00ed zkonzumovat<\/strong> \u2013 vyzkou\u0161ejte t\u0159eba dom\u00e1c\u00ed vaje\u010dn\u00fd lik\u00e9r, pe\u010den\u00fd \u010daj nebo sm\u011bs na p\u0159\u00edpravu su\u0161enek v ozdobn\u00e9 sklenici. <\/p>\n\n\n

TIP!<\/div>
Bez finan\u010dn\u00ed injekce to nep\u016fjde? Vyb\u00edrejte dob\u0159e. V\u00edme, jak pozn\u00e1te pochybnou p\u016fj\u010dku.<\/a><\/b><\/div><\/div>\n\n\n\n

 5. Nenechte si nic namluvit<\/strong><\/h2>\n\n\n\n

Obchodn\u00edci, reklamy i n\u011bkter\u00e1 m\u00e9dia ve\u0159ejnost \u2013 d\u00edlem z\u00e1m\u011brn\u011b a d\u00edlem podprahov\u011b \u2013 p\u0159esv\u011bd\u010duj\u00ed, \u017ee V\u00e1noce mus\u00ed b\u00fdt hlavn\u011b bohat\u00e9<\/strong>. Ka\u017ed\u00fd rozumn\u00fd \u010dlov\u011bk ale v\u00ed, \u017ee o tom, jestli budou sv\u00e1tky budou klidn\u00e9 a pohodov\u00e9, nerozhoduje po\u010det bal\u00ed\u010dk\u016f pod stromkem. Proto zapome\u0148te na iPhone na spl\u00e1tky<\/a> nebo p\u016fj\u010dky<\/a> na v\u011bci, kter\u00e9 nepot\u0159ebujete. Rad\u011bji uspo\u0159\u00e1dejte ty nejlep\u0161\u00ed V\u00e1noce, jak\u00e9 jsou ve va\u0161ich mo\u017enostech.<\/p>\n\n\n\n

\u0160t\u011bdr\u00fdmi V\u00e1nocemi se oh\u00e1n\u011bj\u00ed i poskytovatel\u00e9 p\u016fj\u010dek, kte\u0159\u00ed \u00fav\u011bry na n\u00e1kup v\u00e1no\u010dn\u00edch d\u00e1rk\u016f popisuj\u00ed jako naprostou samoz\u0159ejmost<\/strong>. U\u017e ale nezmi\u0148uj\u00ed, kolik lid\u00ed se kv\u016fli podobn\u00fdm p\u016fj\u010dk\u00e1m<\/a> dostalo do finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Jakmile toti\u017e skon\u010d\u00ed idylick\u00fd v\u00e1no\u010dn\u00ed \u010das, bohat\u00e9 V\u00e1noce se dlu\u017en\u00edkovi budou ka\u017ed\u00fd m\u011bs\u00edc ho\u0159ce p\u0159ipom\u00ednat prost\u0159ednictv\u00edm spl\u00e1tek.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Lid\u00e9, kte\u0159\u00ed nemaj\u00ed na\u0161et\u0159enou dostate\u010dnou finan\u010dn\u00ed rezervu, \u010dasto po\u0159izuj\u00ed v\u00e1no\u010dn\u00ed d\u00e1rky na dluh. I kdy\u017e je k tomu vede bohulib\u00fd z\u00e1m\u011br ud\u011blat radost sv\u00fdm bl\u00edzk\u00fdm, po sv\u00e1tc\u00edch p\u0159ich\u00e1z\u00ed vyst\u0159\u00edzliv\u011bn\u00ed v podob\u011b spl\u00e1cen\u00ed p\u016fj\u010dky. A bohat\u00e9 V\u00e1noce se mohou prom\u011bnit v koloto\u010d finan\u010dn\u00edch probl\u00e9m\u016f. Jak se \u00fav\u011br\u016fm na d\u00e1rky vyhnout?<\/p>\n","protected":false},"author":6,"featured_media":1200,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,134],"class_list":["post-1193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-vanoce","entry"],"acf":[],"yoast_head":"\n5 tip\u016f, jak se vyhnout p\u016fj\u010dce na V\u00e1noce | Skip Pay<\/title>\n<meta name=\"description\" content=\"P\u016fj\u010dka na v\u00e1no\u010dn\u00ed d\u00e1rky? Na to rad\u011bji zapome\u0148te. \u270b Porad\u00edme v\u00e1m, jak n\u00e1kupy zvl\u00e1dnout bez zadlu\u017eov\u00e1n\u00ed. Pomoci m\u016f\u017ee i odlo\u017een\u00e1 platba.\ud83d\udd1d\" \/>\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\/5-tipu-jak-se-vyhnout-pujcce-na-vanoce\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 tip\u016f, jak se vyhnout p\u016fj\u010dce na V\u00e1noce | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"P\u016fj\u010dka na v\u00e1no\u010dn\u00ed d\u00e1rky? Na to rad\u011bji zapome\u0148te. \u270b Porad\u00edme v\u00e1m, jak n\u00e1kupy zvl\u00e1dnout bez zadlu\u017eov\u00e1n\u00ed. 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