{"id":3884,"date":"2021-09-02T15:30:00","date_gmt":"2021-09-02T14:30:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=3884"},"modified":"2025-10-08T14:36:11","modified_gmt":"2025-10-08T12:36:11","slug":"jak-vyresit-financni-krizi-a-nenaletet-lichvarum","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-vyresit-financni-krizi-a-nenaletet-lichvarum\/","title":{"rendered":"Jak vy\u0159e\u0161it finan\u010dn\u00ed krizi a nenalet\u011bt lichv\u00e1\u0159\u016fm?"},"content":{"rendered":"\n

Zjist\u011bte mo\u017enosti ve sv\u00e9 bance<\/strong><\/h2>\n\n\n\n

Pokud se rozhodnete pro p\u016fj\u010dku, obra\u0165te se nejprve na svou domovskou banku, kter\u00e1 zevrubn\u011b zn\u00e1 va\u0161i finan\u010dn\u00ed situaci a dok\u00e1\u017ee nejl\u00e9pe posoudit, zda na \u00fav\u011br dos\u00e1hnete<\/strong>. To, zda V\u00e1m banka p\u016fj\u010d\u00ed, \u010dasto pom\u011brn\u011b rychle zjist\u00edte i prost\u0159ednictv\u00edm online \u017e\u00e1dosti. A napov\u00ed v\u00e1m tak\u00e9 p\u0159edschv\u00e1len\u00fd limit<\/strong>, kter\u00fd m\u016f\u017eete naj\u00edt ve sv\u00e9m internetov\u00e9m nebo mobiln\u00edm bankovnictv\u00ed. Pokud v\u00e1m banka \u010d\u00e1stku, kterou si m\u016f\u017eete p\u016fj\u010dit, zobrazuje, je to znamen\u00ed, \u017ee byste p\u0159i \u017e\u00e1dosti mohli usp\u011bt. <\/p>\n\n\n\n

Jestli\u017ee banka va\u0161i \u017e\u00e1dost o finan\u010dn\u00ed injekci zam\u00edtne, patrn\u011b k tomu m\u00e1 n\u011bjak\u00fd d\u016fvod. Mohou j\u00edm b\u00fdt n\u00edzk\u00e9 p\u0159\u00edjmy<\/a>, jin\u00e9 finan\u010dn\u00ed z\u00e1vazky nebo t\u0159eba negativn\u00ed z\u00e1znam v \u00fav\u011brov\u00fdch registrech<\/a>. Skute\u010dnou p\u0159\u00ed\u010dinu ale budete muset vyp\u00e1trat sami, banka nem\u00e1 povinnost v\u00e1m sd\u011blit, pro\u010d od n\u00ed p\u016fj\u010dku nedostanete. Zam\u00edtnut\u00edm banka nechr\u00e1n\u00ed jen sebe, ale i v\u00e1s, abyste se nedostali do dluhov\u00e9 spir\u00e1ly.<\/p>\n\n\n

TIP!<\/div>
Co je to \u00fav\u011brov\u00e9 sk\u00f3re? Zjist\u011bte, pro\u010d v\u00e1m banka nechce p\u016fj\u010dit.<\/a><\/b><\/div><\/div>\n\n\n\n

Bleskov\u00e1 p\u016fj\u010dka? Bu\u010fte na pozoru<\/strong><\/h2>\n\n\n\n

Kdy\u017e v bance neusp\u011bjete, mo\u017en\u00e1 za\u010dnete na internetu p\u00e1trat po dal\u0161\u00edch mo\u017enostech, jak online p\u016fj\u010dku<\/a> z\u00edskat. V tuto chv\u00edli se st\u00e1v\u00e1te potenci\u00e1ln\u00ed ko\u0159ist\u00ed nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 p\u0159i schvalov\u00e1n\u00ed \u017e\u00e1dost\u00ed n\u011bkdy b\u00fdvaj\u00ed benevolentn\u011bj\u0161\u00ed ne\u017e bankovn\u00ed instituce. Zat\u00edmco n\u011bkter\u00e9 nebankovn\u00ed p\u016fj\u010dky<\/a> nab\u00edzej\u00ed podobn\u00e9 parametry jako banky, na trhu operuj\u00ed i firmy, kter\u00e9 lidem v nouzi r\u00e1dy p\u016fj\u010d\u00ed s p\u0159emr\u0161t\u011bn\u00fdm \u00farokem a podm\u00ednkami, je\u017e si nezadaj\u00ed s lichvou<\/strong>.<\/p>\n\n\n\n

\"Podpis
Ne\u017e podep\u00ed\u0161ete jakoukoliv smlouvu, dob\u0159e si ji prostudujte.<\/figcaption><\/figure>\n\n\n\n

Proto bu\u010fte opatrn\u00ed, spole\u010dnost si dob\u0159e proklepn\u011bte a d\u016fkladn\u011b si prostudujte<\/strong>, co se za okam\u017eitou p\u016fj\u010dkou pro dlu\u017en\u00edky ve skute\u010dnosti skr\u00fdv\u00e1. Pokud se v\u00e1m neda\u0159\u00ed o spole\u010dnosti a jej\u00ed nab\u00eddce dohledat podrobn\u011bj\u0161\u00ed informace, rad\u011bji se porozhl\u00e9dn\u011bte jinde. V\u011b\u0159itel, kter\u00fd dlu\u017en\u00edkovi nen\u00ed schopn\u00fd poskytnout dostatek informac\u00ed, pravd\u011bpodobn\u011b n\u011bco skr\u00fdv\u00e1. A asi to nebude nic, \u010d\u00edm by se cht\u011bl chlubit.<\/p>\n\n\n

TIP!<\/div>
Odhalte pochybnou p\u016fj\u010dku, dokud je \u010das. Porad\u00edme v\u00e1m, jak ji poznat.<\/a><\/b><\/div><\/div>\n\n\n\n

Vyzkou\u0161ejte chytr\u00e9 finan\u010dn\u00ed slu\u017eby<\/strong><\/h2>\n\n\n\n

Napjat\u00fd rozpo\u010det nemus\u00edte \u0159e\u0161it jen p\u016fj\u010dkou. Se Skip Pay kartou<\/a>, kterou m\u016f\u017eete pou\u017e\u00edt jak na internetu, tak i v kamenn\u00fdch obchodech, budete m\u00edt kdykoliv k dispozici a\u017e 50 000 K\u010d a na zaplacen\u00ed n\u00e1kup\u016f v\u00e1m d\u00e1me a\u017e 50 dn\u00ed<\/strong>. Kdy\u017e \u010derpan\u00e9 pen\u00edze v\u010das uhrad\u00edte, nebude v\u00e1s pou\u017eit\u00ed karty st\u00e1t ani korunu. My v\u00e1m v\u017edy samoz\u0159ejm\u011b bl\u00ed\u017e\u00edc\u00ed datum splatnosti v\u010das a opakovan\u011b p\u0159ipomeneme. V\u0161echny transkace pak tak\u00e9 najdete ve sv\u00e9 Z\u00e1kaznick\u00e9 z\u00f3n\u011b, a tak budete m\u00edt perfektn\u00ed p\u0159ehled o tom, za co utr\u00e1c\u00edte.<\/p>\n\n\n

TIP!<\/div>
Na\u0161e karta je opravdu f\u00e9rov\u00e1. P\u0159e\u010dt\u011bte si, jak je mo\u017en\u00e9, \u017ee jsme na sv\u011bt\u011b nena\u0161li \u017e\u00e1dnou lep\u0161\u00ed.<\/a><\/b><\/div><\/div>\n\n\n\n

Vytvo\u0159te si finan\u010dn\u00ed pl\u00e1n<\/strong><\/h2>\n\n\n\n

Pokud se v\u00e1m dlouhodob\u011b neda\u0159\u00ed vyj\u00edt s pen\u011bzi, i kdy\u017e m\u00e1te slu\u0161n\u00e9 p\u0159\u00edjmy, probl\u00e9m hledejte ve zp\u016fsobu, jak\u00fdm s financemi nakl\u00e1d\u00e1te. Platba sem, platba tam \u2013 a pak po\u010d\u00edt\u00e1te hodiny do v\u00fdplaty<\/strong>. Zrevidujte sv\u00e9 p\u0159\u00edjmy a v\u00fddaje<\/a> a zjist\u011bte, kter\u00e9 polo\u017eky v\u00e1m doslova d\u011blaj\u00ed nejv\u011bt\u0161\u00ed \u010d\u00e1ru p\u0159es rozpo\u010det. A\u017e je objev\u00edte, zkuste zv\u00e1\u017eit, jestli by nebylo mo\u017en\u00e9 je zredukovat. \u010casto to zvl\u00e1dnete i bez velk\u00e9ho omezov\u00e1n\u00ed.<\/p>\n\n\n\n

I Skip Pay kartu je ale t\u0159eba vyu\u017e\u00edvat s rozmyslem. Sta\u010d\u00ed se \u0159\u00eddit heslem, \u017ee by si \u010dlov\u011bk nem\u011bl po\u0159izovat to, na co zkr\u00e1tka nem\u00e1. Karta v\u00e1m sice pom\u016f\u017ee s ne\u010dekan\u00fdmi v\u00fddaji<\/strong>, ale nem\u011bli byste ji vn\u00edmat jako dal\u0161\u00ed p\u016fj\u010dku. Jde zkr\u00e1tka o pomocn\u00edka, kter\u00fd v\u00e1m za f\u00e9rov\u00fdch a transparentn\u00edch podm\u00ednek zp\u0159\u00edjemn\u00ed n\u00e1kupy. <\/p>\n\n\n

TIP!<\/div>
Mrkn\u011bte se na appky, kter\u00e9 v\u00e1m pomohou s velkou finan\u010dn\u00ed inventurou.<\/a><\/b><\/div><\/div>\n\n\n\n

Na pomoc si m\u016f\u017eete vz\u00edt i n\u011bkterou z chytr\u00fdch aplikac\u00ed<\/a><\/strong>, kter\u00e9 v\u00e1m p\u0159ehledn\u011b zobraz\u00ed, kam se va\u0161e pen\u00edze ka\u017ed\u00fd m\u011bs\u00edc rozkut\u00e1lej\u00ed. Ale vysta\u010d\u00edte si i s oby\u010dejnou tu\u017ekou a pap\u00edrem. Mo\u017en\u00e1 v\u00e1s to bude st\u00e1t trochu sebezap\u0159en\u00ed, ale pokud si d\u016fsledn\u011b zaznamen\u00e1te ka\u017edou platbu, ur\u010dit\u011b objev\u00edte n\u011bjakou skulinu, kterou va\u0161e pen\u00edze zbyte\u010dn\u011b odt\u00e9kaj\u00ed z \u00fa\u010dtu.<\/p>\n\n\n\n

Myslete i na hor\u0161\u00ed \u010dasy<\/strong><\/h2>\n\n\n\n

Murphyho z\u00e1kony funguj\u00ed zcela spolehliv\u011b. Proto v\u00e1s rozbit\u00e1 pra\u010dka nebo porouchan\u00e9 auto<\/strong> zaru\u010den\u011b p\u0159ekvap\u00ed ve chv\u00edli, kdy nebudete m\u00edt pen\u011bz nazbyt. Abyste se podobn\u00fdm stresov\u00fdm situac\u00edm vyhnuli, odkl\u00e1dejte si pr\u016fb\u011b\u017en\u011b pen\u00edze stranou. D\u00edky tomu budete m\u00edt kam s\u00e1hnout, kdy\u017e v\u00e1s zasko\u010d\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/a>.<\/p>\n\n\n\n

\"Finan\u010dn\u00ed
Objevte, jak\u00fdmi cestami v\u00e1m pen\u00edze miz\u00ed z \u00fa\u010dtu.<\/figcaption><\/figure>\n\n\n\n

Odborn\u00edci pova\u017euj\u00ed za rozumn\u00e9 z ka\u017ed\u00e9 v\u00fdplaty u\u0161et\u0159it alespo\u0148 10 %<\/strong>. Pokud m\u016f\u017eete postr\u00e1dat vy\u0161\u0161\u00ed \u010d\u00e1stku, je to jedin\u011b dob\u0159e. Pen\u00edze si m\u016f\u017eete ukl\u00e1dat t\u0159eba na spo\u0159ic\u00ed \u00fa\u010det, kde se v\u00e1m budou pomalu \u00faro\u010dit. I kdy\u017e aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby u spo\u0159ic\u00edch \u00fa\u010dt\u016f nejsou nijak vysok\u00e9, i men\u0161\u00ed zhodnocen\u00ed je lep\u0161\u00ed ne\u017e \u017e\u00e1dn\u00e9. Ulo\u017een\u00e9 pen\u00edze pak m\u016f\u017eete vn\u00edmat nejen jako nouzov\u00fd fond, ale t\u0159eba \u010d\u00e1st z nich pou\u017e\u00edt na zaplacen\u00ed dovolen\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kdy\u017e \u010dlov\u011bka tr\u00e1p\u00ed nedostatek pen\u011bz, je n\u00e1chyln\u011bj\u0161\u00ed k tomu s\u00e1hnout po prvn\u00edm \u0159e\u0161en\u00ed, kter\u00e9 se mu nab\u00edz\u00ed. Jen\u017ee \u201ev\u00fdhodn\u00e1\u201c kr\u00e1tkodob\u00e1 p\u016fj\u010dka v\u00e1m m\u016f\u017ee po\u0159\u00e1dn\u011b zkomplikovat \u017eivot. Na\u0161t\u011bst\u00ed existuj\u00ed i jin\u00e9 mo\u017enosti. A my v\u00e1m je p\u0159edstav\u00edme.<\/p>\n","protected":false},"author":16,"featured_media":3903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,135,23],"class_list":["post-3884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-nebankovni-pujcka","tag-pujcka","entry"],"acf":[],"yoast_head":"\nJak vy\u0159e\u0161it finan\u010dn\u00ed krizi a nenalet\u011bt lichv\u00e1\u0159\u016fm? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Ocitli jste se ve finan\u010dn\u00ed t\u00edsni? Pokud uva\u017eujete o kr\u00e1tkodob\u00e9 p\u016fj\u010dce, dob\u0159e si rozmyslete, jestli neexistuje lep\u0161\u00ed \u0159e\u0161en\u00ed. Porad\u00edme v\u00e1m. \u261d\ufe0f\" \/>\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\/jak-vyresit-financni-krizi-a-nenaletet-lichvarum\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak vy\u0159e\u0161it finan\u010dn\u00ed krizi a nenalet\u011bt lichv\u00e1\u0159\u016fm? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Ocitli jste se ve finan\u010dn\u00ed t\u00edsni? Pokud uva\u017eujete o kr\u00e1tkodob\u00e9 p\u016fj\u010dce, dob\u0159e si rozmyslete, jestli neexistuje lep\u0161\u00ed \u0159e\u0161en\u00ed. 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