{"id":1606,"date":"2020-05-07T19:01:12","date_gmt":"2020-05-07T18:01:12","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1606"},"modified":"2025-10-30T13:06:33","modified_gmt":"2025-10-30T12:06:33","slug":"materska-a-financni-problemy-jak-do-nich-nespadnout","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/materska-a-financni-problemy-jak-do-nich-nespadnout\/","title":{"rendered":"Mate\u0159sk\u00e1 a finan\u010dn\u00ed probl\u00e9my. Jak do nich nespadnout?"},"content":{"rendered":"\n

Opat\u0159en\u00ed spojen\u00e1 s koronavirem negativn\u011b zas\u00e1hla celou \u0159adu dom\u00e1cnost\u00ed<\/strong>, a proto se mnoho rodin s d\u011btmi pot\u00fdk\u00e1 s finan\u010dn\u00edmi t\u011b\u017ekostmi. N\u011bkter\u00e9 z nich jsou z\u00e1visl\u00e9 na pomoci od st\u00e1tu, jin\u00e9 se ze slo\u017eit\u00e9 situace sna\u017e\u00ed vybruslit skrze p\u016fj\u010dku<\/a> od rodiny, banky nebo nebankovn\u00ed spole\u010dnosti. Jak aktu\u00e1ln\u00ed krizi co nejl\u00e9pe p\u0159est\u00e1t?<\/p>\n\n\n\n

Nakupujte chyt\u0159e a s rozmyslem<\/strong><\/h2>\n\n\n\n

Jestli\u017ee va\u0161\u00ed rodin\u011b poklesly p\u0159\u00edjmy<\/a>, mus\u00edte, aby v\u00e1\u0161 rozpo\u010det z\u016fstal v rovnov\u00e1ze, sn\u00ed\u017eit v\u00fddaje<\/a>. To znamen\u00e1 nakupovat jen to, co opravdu pot\u0159ebujete<\/strong> a nevyhazovat pen\u00edze za hlouposti. Pom\u016f\u017ee v\u00e1m, kdy\u017e si sep\u00ed\u0161ete ve\u0161ker\u00e9 pravideln\u00e9 v\u00fddaje a vy\u0161krt\u00e1te z nich ty, bez kter\u00fdch se bez pot\u00ed\u017e\u00ed obejdete. Na n\u00e1kupy v\u017edy vyr\u00e1\u017eejte se seznamem, d\u00edky kter\u00e9mu nebudete zbo\u017e\u00ed do voz\u00edku h\u00e1zet impulzivn\u011b. <\/p>\n\n\n

TIP!<\/div>
Do ka\u017ed\u00e9ho rozpo\u010dtu se m\u016f\u017ee vloudit d\u00edra. V\u00edme, jak udr\u017eet v\u00fddaje na uzd\u011b.<\/a><\/b><\/div><\/div>\n\n\n\n

\u0158e\u0161\u00edte jen do\u010dasn\u00fd v\u00fdpadek p\u0159\u00edjm\u016f? Pak m\u016f\u017eete p\u0159i online n\u00e1kupech vyu\u017e\u00edt odlo\u017eenou platbu<\/a>. Tato modern\u00ed platebn\u00ed metoda v\u00e1m umo\u017en\u00ed za objedn\u00e1vku z vybran\u00fdch e-shop\u016f zaplatit kdykoliv do 30 dn\u016f. Krom\u011b toho, \u017ee si produkty v klidu prohl\u00e9dnete nebo vyzkou\u0161\u00edte, z\u00edsk\u00e1te tak\u00e9 \u010dty\u0159i t\u00fddny k dobru na zaplacen\u00ed. A to se t\u0159eba p\u0159ed v\u00fdplatou<\/strong> m\u016f\u017ee hodit.<\/p>\n\n\n\n

\"Finan\u010dn\u00ed
Finan\u010dn\u00ed pot\u00ed\u017ee rodi\u010d\u016f bohu\u017eel dopadaj\u00ed i na jejich d\u011bti.<\/figcaption><\/figure>\n\n\n
TIP!<\/div>
Nakupujete \u010dasto pro d\u011bti? P\u0159idejte se do MALL klubu pro d\u011bti<\/b>, u\u017e\u00edvejte si v\u00fdhodn\u00e9 slevy<\/a>, a dokonce i 30 dn\u00ed na zaplacen\u00ed n\u00e1kupu s odlo\u017eenou platbou.<\/div><\/div>\n\n\n\n

Dejte si pozor na pochybn\u00e9 p\u016fj\u010dky<\/strong><\/h2>\n\n\n\n

Poskytovatel\u00e9 \u00fav\u011br\u016f \u2013\u2060 a p\u0159edev\u0161\u00edm nebankovn\u00edch p\u016fj\u010dek<\/a>\u2013\u2060 te\u010f budou c\u00edlit p\u0159edev\u0161\u00edm na skupiny, kter\u00e9 koronavirov\u00e1 omezen\u00ed zas\u00e1hla nejciteln\u011bji<\/strong>. To znamen\u00e1, \u017ee v jejich hled\u00e1\u010dku budou OSV\u010c, drobn\u00ed podnikatel\u00e9 a obecn\u011b\u00a0lid\u00e9, kte\u0159\u00ed p\u016fsob\u00ed v oblastech, na n\u011b\u017e krizov\u00e1 opat\u0159en\u00ed dopadla nejciteln\u011bji. Nab\u00eddka \u201ezaru\u010den\u011b v\u00fdhodn\u00fdch\u201c \u00fav\u011br\u016f se nevyhne ani \u017een\u00e1m na mate\u0159sk\u00e9, kter\u00e9 \u0159e\u0161\u00ed v\u00fdpadek p\u0159\u00edjm\u016f partnera nebo man\u017eela, nebo matk\u00e1m samo\u017eivitelk\u00e1m.\u00a0To v\u0161ak neznamen\u00e1, \u017ee ka\u017ed\u00e1 p\u016fj\u010dka pro OSV\u010c<\/a> je nev\u00fdhodn\u00e1 \u2013 jen byste si v p\u0159\u00edpad\u011b nutnosti m\u011bli d\u016fkladn\u011b nastudovat podm\u00ednky.<\/p>\n\n\n

TIP!<\/div>
Hled\u00e1te \u00fav\u011br s f\u00e9rov\u00fdmi podm\u00ednkami? Tak si dejte pozor na triky poskytovatel\u016f nebankovn\u00edch p\u016fj\u010dek.<\/a><\/b><\/div><\/div>\n\n\n\n

Jestli i  vy zva\u017eujete, \u017ee budete muset d\u00edru v rozpo\u010dtu zalepit p\u016fj\u010dkou, dob\u0159e zva\u017ete, jestli je to skute\u010dn\u011b nevyhnuteln\u00e9. Pokud v\u00e1s zasko\u010dily nepl\u00e1novan\u00e9 v\u00fddaje nebo propad p\u0159\u00edjm\u016f, kter\u00fd bez pomoci neustoj\u00edte, dob\u0159e vyb\u00edrejte, koho o \u00fav\u011br po\u017e\u00e1d\u00e1te. Jak p\u0159edej\u00edt pot\u00ed\u017e\u00edm?

1. D\u016fkladn\u011b si prostudujte konkr\u00e9tn\u00ed parametry a podm\u00ednky \u00fav\u011bru.
2. Hledejte na internetu zku\u0161enosti lid\u00ed s danou \u00fav\u011brovou spole\u010dnost\u00ed.
3. I kdy\u017e v\u00e1m to poskytovatel nab\u00eddne, nep\u016fj\u010dujte si v\u00edc pen\u011bz, ne\u017e skute\u010dn\u011b pot\u0159ebujete.
4. Stejn\u011b dob\u0159e zva\u017ete i nutnost <\/strong>n\u00e1kupu na spl\u00e1tky na mate\u0159sk\u00e9.
<\/strong><\/a>5. Pokud p\u016fj\u010dku z\u00edsk\u00e1te, d\u016fsledn\u011b a v\u010das sv\u00e9 z\u00e1vazky spl\u00e1cejte.<\/strong><\/p>\n\n\n\n

Nezav\u00edrejte o\u010di p\u0159ed dluhy<\/strong><\/h2>\n\n\n\n

Pokud u\u017e pen\u00edze dlu\u017e\u00edte a koronavirov\u00e1 opat\u0159en\u00ed v\u00e1m zkomplikovala jejich spl\u00e1cen\u00ed<\/a><\/strong>, nestrkejte hlavu do p\u00edsku. A\u0165 u\u017e jste si p\u016fj\u010dili od banky, nebo nebankovn\u00ed spole\u010dnosti, vylo\u017ete karty na st\u016fl a situaci s poskytovatelem p\u016fj\u010dky<\/a> \u0159e\u0161te. Dluh\u016fm toti\u017e neute\u010dete, a kdy\u017e se situaci postav\u00edte \u010delem, zabr\u00e1n\u00edte tomu, aby nekontrolovan\u011b nar\u016fstaly o r\u016fzn\u00e1 pen\u00e1le a sankce.<\/p>\n\n\n\n

\"Dluhy
Nezvl\u00e1d\u00e1te spl\u00e1cet sv\u00e9 z\u00e1vazky? Tak hlavn\u011b nestrkejte hlavu do p\u00edsku.<\/figcaption><\/figure>\n\n\n\n

V souvislosti s pandemi\u00ed koronaviru p\u0159istoupily banky i nebankovn\u00ed spole\u010dnosti<\/a> k odkladu spl\u00e1tek<\/strong> u spot\u0159ebitelsk\u00fdch a podnikatelsk\u00fdch \u00fav\u011br\u016f a hypot\u00e9k, kter\u00e9 byly sjedn\u00e1ny p\u0159ed 26. b\u0159eznem 2020. Spl\u00e1cen\u00ed je mo\u017en\u00e9 si odlo\u017eit na 3 a\u017e 6 m\u011bs\u00edc\u016f, co\u017e v\u00e1m ve finan\u010dn\u00ed t\u00edsni m\u016f\u017ee zna\u010dn\u011b uleh\u010dit situaci. Spl\u00e1cen\u00ed se sice nevyhnete, ale d\u00e1te si alespo\u0148 p\u0159est\u00e1vku, ne\u017e se aktu\u00e1ln\u00ed situace p\u0159e\u017eene.<\/p>\n\n\n\n

Odklad se nevztahuje<\/strong> na kreditn\u00ed karty<\/a>, kontokorent<\/a>, revolvingov\u00e9 \u00fav\u011bry a leasingy. Pokud chcete o odklad za\u017e\u00e1dat, je tak\u00e9 nutn\u00e9, abyste k 26. b\u0159eznu nebyli ve zpo\u017ed\u011bn\u00ed se spl\u00e1tkou del\u0161\u00edm ne\u017e 30 dn\u016f. Spl\u0148ujete podm\u00ednky pro odlo\u017een\u00ed spl\u00e1tek? Obra\u0165te se na poskytovatele \u00fav\u011bru a zjist\u011bte, jak\u00e9 \u0159e\u0161en\u00ed v\u00e1m m\u016f\u017ee nab\u00eddnout. <\/p>\n","protected":false},"excerpt":{"rendered":"

D\u011bti jsou radost, ale tak\u00e9 starost. Kdy\u017e finan\u010dn\u00ed v\u00fdpadek zas\u00e1hne bezd\u011btn\u00e9ho \u010dlov\u011bka, je to sice nep\u0159\u00edjemn\u00e9, ale situace dopadne jen na n\u011bj. Pokud se v\u0161ak s podobn\u00fdmi t\u011b\u017ekostmi pot\u00fdkaj\u00ed rodi\u010de s d\u011btmi, ovlivn\u00ed krizov\u00e1 situace i ty nejmen\u0161\u00ed. Jak se zachovat, kdy\u017e v\u00e1m b\u011bhem rodi\u010dovsk\u00e9 dovolen\u00e9 poklesnou p\u0159\u00edjmy?<\/p>\n","protected":false},"author":6,"featured_media":1605,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,122,24],"class_list":["post-1606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-skip-pay","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nJak na mate\u0159sk\u00e9 nespadnout do finan\u010dn\u00edch probl\u00e9m\u016f? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Zastihly v\u00e1s finan\u010dn\u00ed probl\u00e9my na rodi\u010dovsk\u00e9 dovolen\u00e9? \ud83d\udc76 Pomohou chytr\u00e9 n\u00e1kupy, odlo\u017een\u00e1 platba a postavit se situaci \u010delem.\" \/>\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\/materska-a-financni-problemy-jak-do-nich-nespadnout\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak na mate\u0159sk\u00e9 nespadnout do finan\u010dn\u00edch probl\u00e9m\u016f? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Zastihly v\u00e1s finan\u010dn\u00ed probl\u00e9my na rodi\u010dovsk\u00e9 dovolen\u00e9? \ud83d\udc76 Pomohou chytr\u00e9 n\u00e1kupy, odlo\u017een\u00e1 platba a postavit se situaci \u010delem.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/materska-a-financni-problemy-jak-do-nich-nespadnout\/\" \/>\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=\"2020-05-07T18:01:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T12:06:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/05\/materska_mama_holka.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/materska-a-financni-problemy-jak-do-nich-nespadnout\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/materska-a-financni-problemy-jak-do-nich-nespadnout\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Mate\u0159sk\u00e1 a finan\u010dn\u00ed probl\u00e9my. 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