{"id":2061,"date":"2020-10-23T14:53:59","date_gmt":"2020-10-23T13:53:59","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=2061"},"modified":"2023-08-17T12:10:55","modified_gmt":"2023-08-17T11:10:55","slug":"3-veci-ktere-se-deti-nauci-diky-kapesnemu","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/3-veci-ktere-se-deti-nauci-diky-kapesnemu\/","title":{"rendered":"3 v\u011bci, kter\u00e9 se d\u011bti nau\u010d\u00ed d\u00edky kapesn\u00e9mu"},"content":{"rendered":"\n

Pokud v\u0161e funguje, jak m\u00e1, rodi\u010de finan\u010dn\u011b zabezpe\u010duj\u00ed sv\u00e9 d\u011bti do doby, ne\u017e se postav\u00ed na vlastn\u00ed nohy a za\u010dnou samy vyd\u011bl\u00e1vat. I kdy\u017e sv\u00fdm potomk\u016fm r\u00e1di po\u0159\u00edd\u00edte v\u0161e, co pot\u0159ebuj\u00ed, kapesn\u00e9 p\u0159edstavuje vhodn\u00fd zp\u016fsob, jak je nen\u00e1siln\u011b finan\u010dn\u011b vzd\u011bl\u00e1vat. <\/strong>A nav\u00edc jim umo\u017enit, aby si sami zjistili, jak\u00e9 to je nakl\u00e1dat s vlastn\u00edmi pen\u011bzi.<\/p>\n\n\n

TIP!<\/div>
Objevte skipov\u00e1n\u00ed,<\/a><\/b> nakupujte pohodln\u011b a z\u00edskejte spoustu v\u00fdhod.<\/div><\/div>\n\n\n\n

Kapesn\u00e9 samoz\u0159ejm\u011b nedok\u00e1\u017ee zajistit, \u017ee se \u010dlov\u011bk v dosp\u011blosti nedostane do finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Ale \u010d\u00edm d\u0159\u00edve si d\u00edt\u011b osvoj\u00ed z\u00e1konitosti souvisej\u00edc\u00ed s utr\u00e1cen\u00edm vlastn\u00edch pen\u011bz, t\u00edm l\u00e9pe. A proto drtiv\u00e1 v\u011bt\u0161ina rodi\u010d\u016f n\u011bjak\u00e9 form\u011b kapesn\u00e9ho fand\u00ed <\/strong>a souhlas\u00ed s nimi i odborn\u00edci. Mrkn\u011bte se, co p\u0159esn\u011b d\u011bti d\u00edky mal\u00fdm pravideln\u00fdm p\u0159\u00edsp\u011bvk\u016fm, kter\u00e9 budou jen jejich, pochop\u00ed.<\/p>\n\n\n\n

1. Uv\u011bdom\u00ed si hodnotu pen\u011bz<\/strong><\/h2>\n\n\n\n

\u010c\u00edm d\u0159\u00edve za\u010dnete d\u00edt\u011bti kapesn\u00e9 d\u00e1vat, t\u00edm rychleji pochop\u00ed, \u017ee kdy\u017e v\u0161echny pen\u00edze obratem utrat\u00ed, \u017e\u00e1dn\u00e9 mu jednodu\u0161e nezbudou. Zvl\u00e1\u0161t\u011b men\u0161\u00ed d\u011bti \u010dasto nevid\u00ed p\u0159\u00edli\u0161 velk\u00fd rozd\u00edl mezi desetikorunou a tis\u00edcovkou<\/strong> a vynikaj\u00ed v tom utratit nesmysln\u00e9 \u010d\u00e1stky za naprost\u00e9 zbyte\u010dnosti. A pr\u00e1v\u011b d\u00edky n\u00e1kup\u016fm na vlastn\u00ed p\u011bst uvid\u00ed, jak rychle jejich pen\u00edze miz\u00ed.<\/p>\n\n\n\n

\"Kapesn\u00e9
D\u00edky kapesn\u00e9mu d\u00edt\u011b pozn\u00e1 hodnotu pen\u011bz.<\/figcaption><\/figure>\n\n\n\n

I proto je vhodn\u00e9 d\u011btem v ni\u017e\u0161\u00edm v\u011bku kapesn\u00e9 d\u00e1vat ka\u017ed\u00fd t\u00fdden. Kdy\u017e ho okam\u017eit\u011b utrat\u00ed, nebudou muset na dal\u0161\u00ed pen\u00edze \u010dekat cel\u00fd m\u011bs\u00edc. U star\u0161\u00edch potomk\u016f, kte\u0159\u00ed u\u017e tu\u0161\u00ed, jak to s financemi chod\u00ed, m\u016f\u017eete p\u0159istoupit k m\u011bs\u00ed\u010dn\u00edm interval\u016fm<\/strong>. Pen\u00edze d\u011btem d\u00e1vejte pravideln\u011b, ide\u00e1ln\u011b v p\u0159edem stanoven\u00fd den \u2013\u2060 u spolehliv\u00e9ho zam\u011bstnavatele tak\u00e9 po\u010d\u00edt\u00e1te s t\u00edm, \u017ee bude dodr\u017eovat term\u00edn v\u00fdplaty. <\/p>\n\n\n\n

Kdy s kapesn\u00fdm za\u010d\u00edt?<\/em><\/strong>

Rozhodnut\u00ed na v\u00e1s. Napov\u011bd\u011bt v\u00e1m m\u016f\u017ee <\/em>\u010dervnov\u00fd pr\u016fzkum \u010cSOB<\/em><\/a>, z n\u011bho\u017e vyplynulo, \u017ee 46 % rodi\u010d\u016f pova\u017euje za vhodn\u00e9 d\u00e1vat d\u011btem kapesn\u00e9 <\/em>u\u017e na prvn\u00edm stupni z\u00e1kladn\u00ed \u0161koly.<\/em><\/strong> T\u0159etina dotazovan\u00fdch s kapesn\u00fdm po\u010dk\u00e1 do doby, kdy jejich d\u00edt\u011b nastoup\u00ed na druh\u00fd stupe\u0148, a 7 % z nich vy\u010dk\u00e1v\u00e1 na st\u0159edo\u0161kolskou doch\u00e1zku. 8 % respondent\u016f d\u00e1v\u00e1 potomk\u016fm pen\u00edze u\u017e v mate\u0159sk\u00e9 \u0161kolce a 4 % rodi\u010d\u016f kapesn\u00e9mu nefand\u00ed v\u016fbec.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

2. Zjist\u00ed, jak funguje dom\u00e1c\u00ed rozpo\u010det<\/strong><\/h2>\n\n\n\n

Pro men\u0161\u00ed d\u011bti je komplikovan\u00e9 pochopit, \u017ee rodi\u010de chod\u00ed do pr\u00e1ce proto, aby mohli zajistit hladk\u00fd chod dom\u00e1cnosti. Pokud budou hospoda\u0159it s vlastn\u00edmi pen\u011bzi, i kdy\u017e z po\u010d\u00e1tku p\u016fjde o symbolick\u00e9 \u010d\u00e1stky,  pochop\u00ed, \u017ee finan\u010dn\u00ed z\u00e1soby nejsou nekone\u010dn\u00e9<\/strong>. To v\u00e1m pom\u016f\u017ee i s vysv\u011btlov\u00e1n\u00edm, pro\u010d n\u011bco nechcete nebo nem\u016f\u017eete d\u00edt\u011bti koupit.<\/p>\n\n\n

\"Nekupujte<\/a><\/figure>\n
\"Nekupujte<\/a><\/figure>\n\n\n

Star\u0161\u00edm d\u011btem tak\u00e9 m\u016f\u017eete zalo\u017eit vlastn\u00ed bankovn\u00ed \u00fa\u010det a pen\u00edze jim pos\u00edlat elektronickou cestou<\/strong>. D\u00edky tomu zjist\u00ed, jak nakl\u00e1dat s finan\u010dn\u00edmi prost\u0159edky, kter\u00e9 fyzicky nedr\u017e\u00ed v ruce. Sezn\u00e1m\u00ed se tak\u00e9 s t\u00edm, jak prob\u00edh\u00e1 platba kartou<\/a> nebo jak funguje internetov\u00e9 bankovnictv\u00ed. Jen m\u00e1lokdo dnes m\u016f\u017ee fungovat bez bankovn\u00edho \u00fa\u010dtu, a proto se hod\u00ed s n\u00edm um\u011bt zach\u00e1zet. A d\u011btsk\u00e1 kreditka<\/a> k tomu m\u016f\u017ee b\u00fdt dobr\u00fdm n\u00e1strojem. <\/p>\n\n\n\n

Jak vysok\u00e9 by kapesn\u00e9 m\u011blo b\u00fdt?<\/em><\/strong>

\u017d\u00e1dn\u00e1 p\u0159\u00edru\u010dka, kter\u00e1 by rodi\u010d\u016fm p\u0159edepisovala, jakou \u010d\u00e1stku maj\u00ed sv\u00fdm ratolestem pravideln\u011b d\u00e1vat, neexistuje. P\u0159i rozhodov\u00e1n\u00ed o v\u00fd\u0161i kapesn\u00e9ho proto<\/em> zohledn\u011bte jednak v\u011bk d\u00edt\u011bte, ale tak\u00e9 sv\u00e9 finan\u010dn\u00ed mo\u017enosti nebo lokalitu, kde \u017eijete. <\/em><\/strong>O konkr\u00e9tn\u00ed \u010d\u00e1stce se tak\u00e9 m\u016f\u017eete poradit se zn\u00e1m\u00fdmi, kte\u0159\u00ed vychov\u00e1vaj\u00ed podobn\u011b star\u00e9 d\u011bti, nebo rodi\u010di kamar\u00e1d\u016f va\u0161ich potomk\u016f. V\u017edy by ale m\u011blo j\u00edt o stejn\u00fd a p\u0159edem stanoven\u00fd obnos, aby d\u00edt\u011b v\u011bd\u011blo, na \u010dem je.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

3. Nau\u010d\u00ed se \u0161et\u0159it<\/strong><\/h2>\n\n\n\n

Tou\u017e\u00ed va\u0161e d\u00edt\u011b po nov\u00e9m kole, smartphonu nebo kole\u010dkov\u00fdch brusl\u00edch? Nechte ho, aby si na danou v\u011bc naspo\u0159ilo pr\u00e1v\u011b z kapesn\u00e9ho nebo finan\u010dn\u00edch dar\u016f od prarodi\u010d\u016f. D\u00edky tomu, \u017ee si bude \u010d\u00e1st pravideln\u00fdch i n\u00e1razov\u00fdch \u201ep\u0159\u00edjm\u016f\u201c odkl\u00e1dat stranou a odep\u0159e si utr\u00e1cen\u00ed bez rozmyslu, se u\u017e v d\u011btsk\u00e9m v\u011bku nau\u010d\u00ed \u0161et\u0159it. Co\u017e je dovednost, kter\u00e1 se mu bude hodit i v dosp\u011blosti.<\/strong> <\/p>\n\n\n\n

\"Kapesn\u00e9
Nechte potomka, aby si vyzkou\u0161el \u0161et\u0159it.<\/figcaption><\/figure>\n\n\n\n

A\u017e d\u00edt\u011b pot\u0159ebnou \u010d\u00e1stku nashrom\u00e1\u017ed\u00ed, nezapome\u0148te ho za jeho vytrvalost pochv\u00e1lit.<\/strong> A pokud si p\u0159eje n\u011bco n\u00e1kladn\u011bj\u0161\u00edho, m\u016f\u017eete, je-li to ve va\u0161ich mo\u017enostech, \u2060jeho \u00faspory<\/a> dorovnat do pot\u0159ebn\u00e9 v\u00fd\u0161e. T\u00edm uk\u00e1\u017eete jednak to, \u017ee jeho snahu oce\u0148ujete, ale tak\u00e9 \u017ee \u0161et\u0159it se vypl\u00e1c\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kapesn\u00e9 nen\u00ed jen zp\u016fsob, jak d\u00edt\u011bti p\u0159ilep\u0161it, ale tak\u00e9 \u00fa\u010dinn\u00fd n\u00e1stroj k rozv\u00edjen\u00ed finan\u010dn\u00ed gramotnosti. Pokud v\u00e1\u0161 potomek bude u\u017e od d\u011btstv\u00ed spravovat sv\u016fj mal\u00fd majetek, sn\u00e1ze pochop\u00ed z\u00e1konitosti, kter\u00e9 panuj\u00ed ve sv\u011bt\u011b dosp\u011bl\u00fdch, a p\u0159iprav\u00ed ho na situace, jim\u017e bude jako dosp\u011bl\u00e1k \u010delit. M\u00e1me pro v\u00e1s 3 d\u016fvody, pro\u010d je kapesn\u00e9 dobr\u00fd n\u00e1pad.<\/p>\n","protected":false},"author":6,"featured_media":2058,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,157],"class_list":["post-2061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-financni-gramotnost","entry"],"acf":[],"yoast_head":"\n3 v\u011bci, kter\u00e9 se d\u011bti nau\u010d\u00ed d\u00edky kapesn\u00e9mu | Skip Pay<\/title>\n<meta name=\"description\" content=\"Zaj\u00edm\u00e1 v\u00e1s, jak\u00e9 je pr\u016fm\u011brn\u00e9 kapesn\u00e9 v \u010cR? A nebo chcete v\u011bd\u011bt, v \u010dem m\u016f\u017ee kapesn\u00e9 va\u0161e d\u011bti vzd\u011bl\u00e1vat? 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