{"id":5601,"date":"2022-04-28T10:50:00","date_gmt":"2022-04-28T09:50:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=5601"},"modified":"2025-11-06T11:36:46","modified_gmt":"2025-11-06T10:36:46","slug":"cesi-penize-a-financni-gramotnost","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/cesi-penize-a-financni-gramotnost\/","title":{"rendered":"Dv\u011b t\u0159etiny \u010cech\u016f neum\u00ed hospoda\u0159it s\u00a0pen\u011bzi. D\u011bl\u00e1te i\u00a0vy stejn\u00e9 chyby?"},"content":{"rendered":"\n

1. Utr\u00e1c\u00edte bez rozmyslu<\/strong><\/h2>\n\n\n\n

Pat\u0159\u00edte k lidem, kte\u0159\u00ed nakupuj\u00ed, dokud jim to platebn\u00ed karta<\/a> nebo pen\u011b\u017eenka dovol\u00ed? Um\u00edte b\u00fdt velkorys\u00ed ke sv\u00e9mu okol\u00ed a neboj\u00edte se ob\u010das pen\u00edze p\u011bkn\u011b rozto\u010dit? Pak se nem\u016f\u017eete divit, \u017ee p\u0159ed v\u00fdplatou za\u017e\u00edv\u00e1te kru\u0161n\u00e9 obdob\u00ed<\/strong>. Jist\u011b, \u010dlov\u011bk si ob\u010das mus\u00ed ud\u011blat radost, ale v\u017edy v r\u00e1mci sv\u00fdch finan\u010dn\u00edch mo\u017enost\u00ed. Jedin\u011b tak ho finan\u010dn\u00ed t\u00edse\u0148 nedo\u017eene.<\/p>\n\n\n\n

Zkuste si alespo\u0148 na m\u011bs\u00edc zapisovat v\u0161echny sv\u00e9 v\u00fddaje<\/a><\/strong> \u2013 a\u0165 u\u017e na pap\u00edr, nebo do chytr\u00e9 aplikace v telefonu. Bu\u010fte d\u016fsledn\u00ed a zaznamenejte opravdu ka\u017edou polo\u017eku. Uvid\u00edte tak, kam va\u0161e pen\u00edze miz\u00ed, a ur\u010dit\u011b dok\u00e1\u017eete identifikovat, kter\u00e9 n\u00e1kupy jsou zkr\u00e1tka zbyte\u010dn\u00e9. A ne\u017e si po\u0159\u00edd\u00edte n\u011bjakou n\u00e1kladn\u011bj\u0161\u00ed v\u011bc, zva\u017ete, jestli ji opravdu pot\u0159ebujete.<\/p>\n\n\n\n

Co je finan\u010dn\u00ed gramotnost?<\/em><\/strong>

Jde o soubor znalost\u00ed a dovednost\u00ed, kter\u00e9 \u010dlov\u011bku umo\u017e\u0148uj\u00ed porozum\u011bt financ\u00edm a tomu, jak s nimi spr\u00e1vn\u011b zach\u00e1zet v r\u016fzn\u00fdch \u017eivotn\u00edch situac\u00edch. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b by si lid\u00e9 m\u011bli z\u00e1klady finan\u010dn\u00ed gramotnosti i to, jak hospoda\u0159it s pen\u011bzi, osvojit u\u017e v rodinn\u00e9m prost\u0159ed\u00ed, ale praxe bohu\u017eel ukazuje, \u017ee \u010ce\u0161i ve finan\u010dn\u00edch ot\u00e1zk\u00e1ch \u010dasto t\u00e1pou.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

2. Neodkl\u00e1d\u00e1te si pen\u00edze stranou<\/strong><\/h2>\n\n\n\n

To, \u017ee se vyplat\u00ed myslet na zadn\u00ed vr\u00e1tka, lid\u00e9 \u010dasto zji\u0161\u0165uj\u00ed a\u017e ve chv\u00edli, kdy se objev\u00ed n\u011bjak\u00fd probl\u00e9m<\/strong>. M\u016f\u017ee j\u00edt o ne\u010dekan\u00fd v\u00fdpadek p\u0159\u00edjm\u016f, rozbitou pra\u010dku nebo st\u00e1vkuj\u00edc\u00ed auto. Kdy\u017e nem\u00e1te finan\u010dn\u00ed rezervu, do kter\u00e9 byste v takov\u00e9m p\u0159\u00edpad\u011b mohli s\u00e1hnout, budete si pen\u00edze na neodkladn\u00e9 v\u00fddaje p\u016fj\u010dit. A pot\u00e9 je logicky splatit, tak\u017ee v\u00e1m vznikne dal\u0161\u00ed finan\u010dn\u00ed polo\u017eka, na kterou budete muset myslet.<\/p>\n\n\n\n

\"P\u0159ehled
V\u00edte, za co vlastn\u011b utr\u00e1c\u00edte?<\/figcaption><\/figure>\n\n\n\n

Odborn\u00edci na finance rad\u00ed, aby si lid\u00e9, pokud je to jen trochu mo\u017en\u00e9, m\u011bs\u00ed\u010dn\u011b odkl\u00e1dali alespo\u0148 10 % sv\u00fdch p\u0159\u00edjm\u016f<\/strong>. Ide\u00e1ln\u011b byste se tak m\u011bli propracovat do situace, kdy budete m\u00edt v\u017edy k dispozici trojn\u00e1sobek, ale v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b p\u011btin\u00e1sobek toho, co m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1te. Mo\u017en\u00e1 se budete muset trochu omezit, ale v\u011b\u0159te tomu, \u017ee v nouzi budete za finan\u010dn\u00ed pol\u0161t\u00e1\u0159, kter\u00fd v\u00e1m u\u0161et\u0159\u00ed spoustu starost\u00ed, r\u00e1di.<\/p>\n\n\n

Jak na vyrovnan\u00fd rozpo\u010det?<\/div>
\nD\u00e1v\u00e1te d\u011btem kapesn\u00e9? P\u0159e\u010dt\u011bte si, pro\u010d je to dobr\u00fd n\u00e1pad.<\/a><\/b>
\nPorad\u00edme v\u00e1m, jak u\u0161et\u0159it na rodi\u010dovsk\u00e9 dovolen\u00e9.<\/a><\/b>
\nPot\u0159ebujete si p\u016fj\u010dit? Dejte si pozor, abyste nenalet\u011bli lichv\u00e1\u0159\u016fm.<\/a><\/b><\/div><\/div>\n\n\n\n

3. Nem\u00e1te konkr\u00e9tn\u00ed finan\u010dn\u00ed c\u00edle<\/strong><\/h2>\n\n\n\n

Ne, v\u00e1\u017en\u011b nen\u00ed nutn\u00e9, abyste si vytvo\u0159ili podrobn\u00fd pl\u00e1n v\u00fddaj\u016f na dal\u0161\u00edch 10 let. Ale pokud si stanov\u00edte kr\u00e1tkodob\u00e9 finan\u010dn\u00ed c\u00edle, spo\u0159en\u00ed v\u00e1m za\u010dne d\u00e1vat v\u011bt\u0161\u00ed smysl<\/strong>. Kdy\u017e budete \u0161et\u0159it na konkr\u00e9tn\u00ed v\u011bc, kterou si u\u017e dlouho p\u0159ejete nebo ji zkr\u00e1tka pot\u0159ebujete, nebude v\u00e1s odkl\u00e1d\u00e1n\u00ed pen\u011bz tolik bolet. A nez\u00e1le\u017e\u00ed na tom, jestli jde o nov\u00fd telefon, nebo vysn\u011bnou dovolenou.<\/p>\n\n\n\n

A podobn\u00e9 je to i s finan\u010dn\u00ed rezervou na hor\u0161\u00ed \u010dasy. Pen\u00edze, kter\u00e9 si ulo\u017e\u00edte bokem, v\u00e1m sice budou chyb\u011bt, ale kdy\u017e dojde na nejhor\u0161\u00ed, budete \u0161\u0165astn\u00ed, \u017ee je m\u00e1te<\/strong>. A kdy\u017e se v\u00e1m poda\u0159\u00ed \u010d\u00e1stku, kterou si p\u0159edem definujete, naspo\u0159it, mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed, jak dobr\u00fd pocit ze sebe budete m\u00edt. A dal\u0161\u00ed finan\u010dn\u00ed metu tak zdol\u00e1te mnohem sn\u00e1ze.
<\/p>\n\n\n

\"A\u017e<\/a><\/figure>\n
\"A\u017e<\/a><\/figure>\n\n\n

4. Va\u0161e pen\u00edze nen\u00e1padn\u011b ztr\u00e1cej\u00ed hodnotu<\/strong><\/h2>\n\n\n\n

Pokud v\u00e1m pen\u00edze bez jak\u00e9koliv p\u00e9\u010de le\u017e\u00ed na b\u011b\u017en\u00e9m \u00fa\u010dtu, ztr\u00e1cej\u00ed v \u010dase hodnotu. Proto se zkuste porozhl\u00e9dnout po zp\u016fsobech, jak zabr\u00e1nit tomu, aby na n\u011b \u00fato\u010dila inflace. Jak spo\u0159it? Za\u010d\u00edt m\u016f\u017eete se spo\u0159ic\u00edm \u00fa\u010dtem<\/strong>, kam si p\u0159epo\u0161lete pen\u00edze, kter\u00e9 aktu\u00e1ln\u011b nepot\u0159ebujete, a ka\u017ed\u00fd m\u011bs\u00edc k nim odlo\u017e\u00edte dal\u0161\u00ed \u010d\u00e1stku.<\/p>\n\n\n

TIP!<\/div>
Vyzrajte na inflaci. Porad\u00edme v\u00e1m, jak spo\u0159it tak, aby va\u0161e pen\u00edze neztr\u00e1cely hodnotu. <\/a><\/b><\/div><\/div>\n\n\n\n

Zalo\u017eit si m\u016f\u017eete tak\u00e9 stavebn\u00ed spo\u0159en\u00ed, d\u00edky kter\u00e9mu m\u016f\u017eete nav\u00edc z\u00edskat finan\u010dn\u00ed p\u0159\u00edsp\u011bvek od st\u00e1tu<\/strong>. Nebo se m\u016f\u017eete pustit do investov\u00e1n\u00ed. A v\u016fbec k tomu nepot\u0159ebujete b\u00fdt prot\u0159el\u00fd Vlk z Wall Street s miliony na kontu. Dnes m\u016f\u017eete t\u0159eba do pod\u00edlov\u00fdch fond\u016f investovat mnohem ni\u017e\u0161\u00ed \u010d\u00e1stky. U n\u00e1s dokonce m\u016f\u017eete za\u010d\u00edt s desetikorunami<\/a>.<\/p>\n\n\n\n

\"Jak
S investicemi m\u016f\u017eete za\u010d\u00edt t\u0159eba hned.<\/figcaption><\/figure>\n\n\n\n

5. Kdy\u017e jste na suchu, p\u016fj\u010d\u00edte si<\/strong><\/h2>\n\n\n\n

U\u017e jste n\u011bkdy napjatou finan\u010dn\u00ed situaci vy\u0159e\u0161ili t\u00edm, \u017ee jste si vzali p\u016fj\u010dku? I kdy\u017e se tato mo\u017enost nab\u00edz\u00ed, m\u016f\u017ee v\u00e1m zkomplikovat \u017eivot. Pen\u00edze od banky nebo nebankovn\u00ed spole\u010dnosti sice do\u010dasn\u011b zalep\u00ed v\u00e1\u0161 rozpo\u010det<\/strong>, ale znamenaj\u00ed pro v\u00e1s dal\u0161\u00ed finan\u010dn\u00ed z\u00e1vazek. Pokud se v\u00e1m st\u00e1v\u00e1, \u017ee s pen\u011bzi zkr\u00e1tka nevyjdete, mo\u017en\u00e1 po p\u016fj\u010dce s\u00e1hnete znovu. A p\u016fj\u010dovat si, abyste zvl\u00e1dali spl\u00e1cet sv\u00e9 dluhy<\/a>, nen\u00ed p\u0159\u00edli\u0161 udr\u017eiteln\u00e9, co\u017e v\u00e1m potvrd\u00ed \u0159ada lid\u00ed, kte\u0159\u00ed se ocitli v nekone\u010dn\u00e9 dluhov\u00e9 spir\u00e1le.<\/p>\n\n\n\n

P\u016fj\u010dka 15 000 K\u010d <\/a>d\u00e1v\u00e1 smysl pouze v p\u0159\u00edpad\u011b, kdy si za ni po\u0159izujete v\u011bc, kterou opravdu pot\u0159ebujete a\u00a0kter\u00e1 v\u00e1m v\u00a0ide\u00e1ln\u00edm p\u0159\u00edpad\u011b bude slou\u017eit n\u011bkolik let<\/strong>. Ale pokud si chcete p\u016fj\u010dovat na\u00a0to, abyste poplatili b\u011b\u017en\u00e9 v\u00fddaje, zva\u017ete, jestli nebude lep\u0161\u00ed zatnout zuby, do\u010dasn\u011b si ut\u00e1hnout opasek a\u00a0zkusit z\u00a0finan\u010dn\u00ed nouze vybruslit bez dal\u0161\u00edho z\u00e1vazku, kv\u016fli kter\u00e9mu nebudete klidn\u011b sp\u00e1t.<\/p>\n\n\n\n

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

St\u00e1v\u00e1 se v\u00e1m, \u017ee nevyjdete s\u00a0pen\u011bzi? Nejste v\u00a0tom sami. Pr\u016fzkumy opakovan\u011b ukazuj\u00ed, \u017ee podobn\u00fd probl\u00e9m m\u00e1 \u0159ada \u010cech\u016f bez ohledu na\u00a0to, do jak\u00e9 p\u0159\u00edjmov\u00e9 skupiny pat\u0159\u00ed. Proto jsme se pod\u00edvali na\u00a0d\u016fvody, kter\u00e9 k\u00a0tomu, \u017ee m\u00e1te pravideln\u011b v\u00edtr v\u00a0pen\u011b\u017eence, vedou. Pozn\u00e1v\u00e1te se?<\/p>\n","protected":false},"author":6,"featured_media":5597,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,157,38,39,24],"class_list":["post-5601","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-financni-gramotnost","tag-investice","tag-prijmy-a-vydaje","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nDv\u011b t\u0159etiny \u010cech\u016f neum\u00ed hospoda\u0159it s pen\u011bzi. Jak jste na tom vy? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Prozkoumali jsme, jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed chyby, kter\u00e9 zp\u016fsobuj\u00ed, \u017ee v\u00e1m ob\u010das chyb\u00ed pen\u00edze. \ud83d\udcb8 A v\u00edme, jak dos\u00e1hnout vyrovnan\u00e9ho rozpo\u010dtu.\" \/>\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\/cesi-penize-a-financni-gramotnost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dv\u011b t\u0159etiny \u010cech\u016f neum\u00ed hospoda\u0159it s pen\u011bzi. Jak jste na tom vy? | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Prozkoumali jsme, jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed chyby, kter\u00e9 zp\u016fsobuj\u00ed, \u017ee v\u00e1m ob\u010das chyb\u00ed pen\u00edze. \ud83d\udcb8 A v\u00edme, jak dos\u00e1hnout vyrovnan\u00e9ho rozpo\u010dtu.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/cesi-penize-a-financni-gramotnost\/\" \/>\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=\"2022-04-28T09:50:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T10:36:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2022\/04\/mallpay-hospodareni.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/cesi-penize-a-financni-gramotnost\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/cesi-penize-a-financni-gramotnost\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Dv\u011b t\u0159etiny \u010cech\u016f neum\u00ed hospoda\u0159it s\u00a0pen\u011bzi. 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