{"id":1709,"date":"2020-06-03T13:08:23","date_gmt":"2020-06-03T12:08:23","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1709"},"modified":"2025-10-30T14:09:11","modified_gmt":"2025-10-30T13:09:11","slug":"7-pravidel-ktera-vas-ochrani-pred-financnimi-problemy","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/7-pravidel-ktera-vas-ochrani-pred-financnimi-problemy\/","title":{"rendered":"7 pravidel, kter\u00e1 v\u00e1s ochr\u00e1n\u00ed p\u0159ed finan\u010dn\u00edmi probl\u00e9my"},"content":{"rendered":"\n

Z lo\u0148sk\u00e9ho pr\u016fzkumu \u010cesk\u00e9 bankovn\u00ed asociace, kter\u00fd se zam\u011b\u0159oval na finan\u010dn\u00ed gramotnost, vyplynulo, \u017ee \u010ce\u0161i p\u0159\u00edli\u0161 nemysl\u00ed na zadn\u00ed vr\u00e1tka<\/strong>. T\u0159etina lid\u00ed by z na\u0161et\u0159en\u00fdch pen\u011bz vy\u017eila jen t\u0159i m\u011bs\u00edce. A ka\u017ed\u00e9mu p\u00e1t\u00e9mu \u010cechovi by \u00faspory v p\u0159\u00edpad\u011b v\u00fdpadku p\u0159\u00edjm\u016f vysta\u010dily na pouh\u00fd m\u011bs\u00edc.<\/p>\n\n\n\n

Uk\u00e1zalo se tak\u00e9, \u017ee m\u00edra finan\u010dn\u00ed gramotnosti stoup\u00e1 se vzd\u011bl\u00e1n\u00edm<\/strong>. Zat\u00edmco vysoko\u0161kol\u00e1ci jsou na tom s orientac\u00ed ve sv\u011bt\u011b financ\u00ed relativn\u011b dob\u0159e, znalosti u lid\u00ed s v\u00fdu\u010dn\u00edm listem nebo z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm jsou slab\u0161\u00ed. Podle odborn\u00edk\u016f je to i t\u00edm, \u017ee vysoko\u0161kol\u00e1ci se u\u010d\u00ed s pen\u011bzi hospoda\u0159it u\u017e b\u011bhem studia, zat\u00edmco lid\u00e9 s ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm se rovnou ze \u0161koly p\u0159esouvaj\u00ed do b\u011b\u017en\u00e9ho \u017eivota, kde na n\u011b \u010d\u00edh\u00e1 \u0159ada finan\u010dn\u00edch n\u00e1strah. <\/p>\n\n\n\n

\"Finan\u010dn\u00ed
Z pr\u016fzkum\u016f plyne, \u017ee finan\u010dn\u00ed gramotnost stoup\u00e1 se vzd\u011bl\u00e1n\u00edm.<\/figcaption><\/figure>\n\n\n\n

Jak se v \u201edosp\u011bl\u00e1ck\u00e9m\u201c sv\u011bt\u011b, v n\u011bm\u017e se bez pen\u011bz nikdo neobejde, nedostat do finan\u010dn\u00edch pot\u00ed\u017e\u00ed?<\/p>\n\n\n\n

1. Budujte si finan\u010dn\u00ed rezervu<\/strong><\/h2>\n\n\n\n

Pokud je to jen trochu mo\u017en\u00e9, sna\u017ete si z ka\u017ed\u00e9 v\u00fdplaty odkl\u00e1dat \u010d\u00e1st pen\u011bz stranou, t\u0159eba na spo\u0159ic\u00ed \u00fa\u010det. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b by m\u011blo j\u00edt minim\u00e1ln\u011b o 10 % va\u0161ich p\u0159\u00edjm\u016f<\/strong>, ale pokud zvl\u00e1dnete m\u011bs\u00ed\u010dn\u011b postr\u00e1dat vy\u0161\u0161\u00ed \u010d\u00e1stku, t\u00edm l\u00e9pe. C\u00edlem je si vytvo\u0159it finan\u010dn\u00ed pol\u0161t\u00e1\u0159, kter\u00fd v\u00e1s podr\u017e\u00ed ve chv\u00edli, kdy v\u00e1m \u017eivot zkomplikuje nap\u0159\u00edklad ztr\u00e1ta zam\u011bstn\u00e1n\u00ed nebo nemoc. Odborn\u00edci rad\u00ed, \u017ee by tato \u017eelezn\u00e1 rezerva m\u011bla dosahovat alespo\u0148 \u0161estin\u00e1sobku va\u0161ich b\u011b\u017en\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f.<\/p>\n\n\n

TIP!<\/div>
Miz\u00ed v\u00e1m v\u00fdplata z \u00fa\u010dtu rychlost\u00ed blesku? Mo\u017en\u00e1 v\u00e1m pomohou na\u0161e tipy, jak se nau\u010dit \u0161et\u0159it.<\/a><\/b><\/div><\/div>\n\n\n\n

2. M\u011bjte p\u0159ehled, kam va\u0161e pen\u00edze miz\u00ed<\/strong><\/h2>\n\n\n\n

M\u00e1te slu\u0161n\u00fd plat, ale p\u0159esto \u017eijete od v\u00fdplaty k v\u00fdplat\u011b? N\u011bkde se stala chyba. Zap\u00e1trejte ve v\u00fdpisu z \u00fa\u010dtu nebo internetov\u00e9m bankovnictv\u00ed<\/a> a pokuste se rozkl\u00ed\u010dovat, kter\u00e9 polo\u017eky zbyte\u010dn\u011b zat\u011b\u017euj\u00ed v\u00e1\u0161 rozpo\u010det. Pokud d\u00e1v\u00e1te p\u0159ednost platb\u011b v hotovosti, zaznamen\u00e1vejte si ve\u0161ker\u00e9 sv\u00e9 v\u00fddaje<\/a>, abyste mohli identifikovat ty, kter\u00e9 m\u016f\u017eete o\u017eelet. Pravd\u011bpodobn\u011b v\u00e1s p\u0159ekvap\u00ed, za co v\u0161echno utr\u00e1c\u00edte. A ur\u010dit\u011b se v\u00e1m poda\u0159\u00ed naj\u00edt skulinu, kterou pen\u00edze z va\u0161eho \u00fa\u010dtu nen\u00e1padn\u011b miz\u00ed<\/strong>.<\/p>\n\n\n\n

3. Kupujte jen to, na co m\u00e1te<\/strong><\/h2>\n\n\n\n


Kamenn\u00e9 i internetov\u00e9 obchody jsou pln\u00e9 atraktivn\u00edho zbo\u017e\u00ed v r\u016fzn\u00fdch cenov\u00fdch relac\u00edch. P\u0159esto se sna\u017ete odolat l\u00e1kadl\u016fm a po\u0159izujte si jen to, co si m\u016f\u017eete dovolit. I kdy\u017e to zn\u00ed ban\u00e1ln\u011b, spousta lid\u00ed se dostala do finan\u010dn\u00edch pot\u00ed\u017e\u00ed pr\u00e1v\u011b proto, \u017ee nakupovali nad sv\u00e9 pom\u011bry. Tou\u017e\u00edte po zna\u010dkov\u00e9 kabelce nebo \u0161pi\u010dkov\u00e9m kole? Na oboj\u00ed si m\u016f\u017eete u\u0161et\u0159it, i kdy\u017e to chvilku potrv\u00e1.<\/strong> Ale pokud v\u0161e pot\u0159ebujete hned a nev\u00e1h\u00e1te kv\u016fli tomu s\u00e1hnout po n\u00e1kupu na spl\u00e1tky<\/a> nebo \u00fav\u011bru, hroz\u00ed, \u017ee v\u00e1m p\u016fj\u010dky<\/a> jednoho dne podraz\u00ed nohy.\u00a0<\/p>\n\n\n\n

\"Finan\u010dn\u00ed
Do finan\u010dn\u00edch pot\u00ed\u017e\u00ed v\u00e1s m\u016f\u017eou dostat i neuv\u00e1\u017een\u00e9 n\u00e1kupy.<\/figcaption><\/figure>\n\n\n
TIP!<\/div>
N\u00e1kup p\u0159ed v\u00fdplatou zvl\u00e1dnete i bez p\u016fj\u010dky<\/a>. Vyzkou\u0161ejte odlo\u017eenou platbu a z\u00edskejte 30 dn\u016f k dobru.<\/a><\/b><\/div><\/div>\n\n\n\n

4. Kdy\u017e \u00fav\u011br, tak zodpov\u011bdn\u011b<\/strong><\/h2>\n\n\n\n

Na p\u016fj\u010dce<\/a> jako takov\u00e9 nen\u00ed nic \u0161patn\u00e9ho. Tedy pokud ji chcete vyu\u017e\u00edt na smysluplnou v\u011bc, kter\u00e1 v\u00e1m bude dlouho slou\u017eit<\/strong>. P\u0159\u00edkladem je t\u0159eba p\u016fj\u010dka<\/a> na po\u0159\u00edzen\u00ed nov\u00e9 kuchyn\u011b<\/a>, rekonstrukci bytu nebo koupi nov\u00e9ho auta. P\u0159i v\u00fdb\u011bru p\u016fj\u010dky si dob\u0159e prostudujte podm\u00ednky, kter\u00e9 v\u00e1m poskytovatel nab\u00edz\u00ed, a zjist\u011bte si tak\u00e9 v\u00fd\u0161i \u00farok\u016f a RPSN<\/a>. P\u016fj\u010dku s v\u00fdhodn\u011bj\u0161\u00edmi podm\u00ednkami zpravidla z\u00edsk\u00e1te v bance, nebankovn\u00ed spole\u010dnosti<\/a> v\u00e1m pravd\u011bpodobn\u011b nab\u00eddnou vy\u0161\u0161\u00ed \u00farok i p\u0159\u00edsn\u011bj\u0161\u00ed sankce v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed.\u00a0\u00a0<\/p>\n\n\n\n

5. Nevytloukejte p\u016fj\u010dku p\u016fj\u010dkou<\/strong><\/h2>\n\n\n\n

P\u016fj\u010dka sem, \u00fav\u011br tam \u2013\u2060 a najednou zjist\u00edte, \u017ee v\u00e1m po uhrazen\u00ed v\u0161ech spl\u00e1tek p\u0159\u00edli\u0161 pen\u011bz nezb\u00fdv\u00e1. Z t\u00e9to situace v\u00e1m m\u016f\u017ee pomoci konsolidace \u00fav\u011br\u016f<\/a>. Ta v\u00e1m umo\u017en\u00ed si st\u00e1vaj\u00edc\u00ed p\u016fj\u010dky slou\u010dit do jednoho v\u011bt\u0161\u00edho \u00fav\u011bru s del\u0161\u00ed splatnost\u00ed, ni\u017e\u0161\u00edmi spl\u00e1tkami a \u010dasto i v\u00fdhodn\u011bj\u0161\u00edmi podm\u00ednkami, <\/strong>co\u017e v\u00e1m m\u016f\u017ee citeln\u011b usnadnit spl\u00e1cen\u00ed Pokud v\u00e1m ale banka konsolidaci neschv\u00e1l\u00ed, omezte se a sna\u017ete se sv\u00e9 z\u00e1vazky spl\u00e1cet bez toho, abyste si na jejich \u00fahradu brali dal\u0161\u00ed p\u016fj\u010dku. Nov\u00fd \u00fav\u011br by v\u00e1m p\u0159inesl v\u00edce \u0161kody ne\u017e u\u017eitku.<\/p>\n\n\n

TIP!<\/div>
Odhalte nev\u00fdhodnou p\u016fj\u010dku, dokud je \u010das. P\u0159e\u010dt\u011bte si, jak pochybn\u00fd \u00fav\u011br pozn\u00e1te.<\/a><\/b><\/div><\/div>\n\n\n\n

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

Opozdili jste se se spl\u00e1tkou \u00fav\u011bru? Nebo v\u00e1m p\u016fj\u010dky, kontokorenty<\/a> a kreditn\u00ed karty<\/a> jednodu\u0161e za\u010d\u00ednaj\u00ed p\u0159er\u016fstat p\u0159es hlavu? Posledn\u00ed, co v\u00e1m v takov\u00e9 chv\u00edli pom\u016f\u017ee, je ignorovat upom\u00ednky a p\u0159edst\u00edrat, \u017ee se nic ned\u011bje<\/strong>. Dluhy se samy nezaplat\u00ed, a tak situaci aktivn\u011b \u0159e\u0161te. Pokud je to mo\u017en\u00e9, \u010d\u00e1stky po splatnosti neprodlen\u011b uhra\u010fte.|Jestli\u017ee v\u0161ak pen\u00edze zkr\u00e1tka nem\u00e1te, proaktivn\u011b kontaktujte poskytovatele p\u016fj\u010dek a situaci s nimi \u0159e\u0161te. Spole\u010dn\u011b najdete \u0159e\u0161en\u00ed, kter\u00e9 bude sch\u016fdn\u00e9 pro ob\u011b strany.<\/p>\n\n\n\n

\"Finan\u010dn\u00ed<\/a>
U\u010dte d\u011bti, jak zodpov\u011bdn\u011b nakl\u00e1dat s pen\u011bzi.<\/figcaption><\/figure>\n\n\n\n

7. Vzd\u011bl\u00e1vejte sv\u00e9 d\u011bti<\/strong><\/h2>\n\n\n\n


I kdy\u017e je finan\u010dn\u00ed gramotnost sou\u010d\u00e1st\u00ed r\u00e1mcov\u00fdch vzd\u011bl\u00e1vac\u00edch program\u016f, ne v\u017edy j\u00ed u\u010ditel\u00e9 v\u011bnuj\u00ed dostatek pozornosti. Proto sv\u00e9 d\u011bti pr\u016fb\u011b\u017en\u011b p\u0159ipravujte na dobu, kdy budou muset hospoda\u0159it na vlastn\u00ed p\u011bst<\/strong>. Pom\u016f\u017ee v\u00e1m s t\u00edm kapesn\u00e9, d\u00edky kter\u00e9mu zjist\u00ed, \u017ee \u017e\u00e1dn\u00fd rozpo\u010det nen\u00ed bezedn\u00fd. S d\u011btmi se tak\u00e9 bavte o rodinn\u00e9m rozpo\u010dtu, pravideln\u00fdch v\u00fddaj\u00edch i finan\u010dn\u00edch produktech a \u00faskal\u00edch, do kter\u00fdch se lid\u00e9 v souvislosti s pen\u011bzi mohou dostat. D\u00e1te jim tak dobr\u00fd z\u00e1klad, kter\u00fd se jim v \u017eivot\u011b bude hodit. <\/p>\n","protected":false},"excerpt":{"rendered":"

I kdy\u017e si v\u011bt\u0161ina \u010cech\u016f mysl\u00ed, \u017ee v\u011bd\u00ed, jak spr\u00e1vn\u011b nakl\u00e1dat s pen\u011bzi, pr\u016fzkumy opakovan\u011b ukazuj\u00ed n\u011bco jin\u00e9ho. Z\u00e1klady finan\u010dn\u00ed gramotnosti by si lid\u00e9 m\u011bli odn\u00e1\u0161et z rodinn\u00e9ho prost\u0159ed\u00ed, ale \u010dasto tomu tak nen\u00ed. Jak\u00e1 jsou tedy z\u00e1kladn\u00ed pravidla, kter\u00fdmi se p\u0159i hospoda\u0159en\u00ed s pen\u011bzi vypl\u00e1c\u00ed \u0159\u00eddit?<\/p>\n","protected":false},"author":6,"featured_media":1721,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,17,23,122,24],"class_list":["post-1709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-odlozena-platba","tag-pujcka","tag-skip-pay","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\n7 pravidel, kter\u00e1 v\u00e1s ochr\u00e1n\u00ed p\u0159ed finan\u010dn\u00edmi probl\u00e9my | Skip Pay<\/title>\n<meta name=\"description\" content=\"Finan\u010dn\u00ed gramotnost \u010cech\u016f je hor\u0161\u00ed, ne\u017e si sami mysl\u00ed. 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