{"id":5758,"date":"2022-05-17T11:45:00","date_gmt":"2022-05-17T10:45:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=5758"},"modified":"2026-01-22T15:35:30","modified_gmt":"2026-01-22T14:35:30","slug":"4-veci-na-ktere-si-nepujcujte","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/4-veci-na-ktere-si-nepujcujte\/","title":{"rendered":"P\u016fj\u010dka pen\u011bz: 4\u00a0v\u011bci, na\u00a0kter\u00e9 si nikdy nep\u016fj\u010dujte"},"content":{"rendered":"\n

\u0158\u00edk\u00e1 se, \u017ee p\u016fj\u010dka<\/a> pen\u011bz d\u00e1v\u00e1 smysl ve chv\u00edli, kdy v\u00e1m v\u011bc, kterou si za ni po\u0159izujete, bude slou\u017eit i pot\u00e9, co \u00fav\u011br splat\u00edte<\/strong>. Z tohoto hlediska je rozumn\u00e9 si p\u016fj\u010dit na po\u0159\u00edzen\u00ed nov\u00e9ho bydlen\u00ed nebo rekonstrukci, na z\u00e1kladn\u00ed vybaven\u00ed bytu, na nov\u00e9 auto nebo t\u0159eba pracovn\u00ed po\u010d\u00edta\u010d, bez kter\u00e9ho se ve sv\u00e9 profesi zkr\u00e1tka neobejdete.<\/p>\n\n\n

TIP!<\/div>
\u010ce\u0161i a finan\u010dn\u00ed gramotnost. Jak\u00e9 chyby nej\u010dast\u011bji d\u011bl\u00e1me?<\/a><\/b><\/div><\/div>\n\n\n\n

Pak ale existuje kategorie v\u011bc\u00ed, kter\u00e9 jsou v podstat\u011b zbytn\u00e9<\/strong>, a p\u0159esto po nich tou\u017e\u00edte. Ale kde sehnat pen\u00edze? V takov\u00e9m p\u0159\u00edpad\u011b je lep\u0161\u00ed si na n\u011b na\u0161et\u0159it, proto\u017ee kdy\u017e je zaplat\u00edte vyp\u016fj\u010den\u00fdmi pen\u011bzi, radost zakr\u00e1tko pomine a v\u00e1m zbyde finan\u010dn\u00ed z\u00e1vazek na n\u011bkolik let. Pod\u00edvejte se s n\u00e1mi, o \u010dem je \u0159e\u010d:<\/p>\n\n\n\n

1. Dovolen\u00e1<\/strong><\/h2>\n\n\n\n

V\u0161ichni kolem v\u00e1s vyr\u00e1\u017eej\u00ed na exotick\u00e9 dovolen\u00e9, ale vy nem\u00e1te na podobn\u00fd z\u00e1jezd<\/a> dost pen\u011bz? Zkuste m\u00edsto p\u016fj\u010dky<\/a> hledat ekonomi\u010dt\u011bj\u0161\u00ed variantu<\/strong>. Pokud chcete do zahrani\u010d\u00ed, sledujte last minute nab\u00eddky, kter\u00e9 jsou o des\u00edtky procent levn\u011bj\u0161\u00ed ne\u017e klasick\u00e9 z\u00e1jezdy. V p\u0159\u00edpad\u011b, \u017ee rad\u011bji cestujete na vlastn\u00ed p\u011bst, vyplat\u00ed se \u201e\u010d\u00edhat\u201c na ak\u010dn\u00ed letenky<\/a>. A nezapome\u0148te, \u017ee dovolenou nabitou z\u00e1\u017eitky m\u016f\u017eete str\u00e1vit i v \u010cesku.<\/p>\n\n\n\n

\"P\u016fj\u010dka
T\u00fdden relaxu vyst\u0159\u00eddaj\u00ed dlouh\u00e9 m\u011bs\u00edce spl\u00e1cen\u00ed.<\/figcaption><\/figure>\n\n\n\n

2. Elektronika<\/strong><\/h2>\n\n\n\n

Pat\u0159\u00edte k lidem, kte\u0159\u00ed mus\u00ed otestovat ka\u017ed\u00fd nov\u00fd smartphone? Nebo si \u0159\u00edk\u00e1te, \u017ee si mistrovstv\u00ed sv\u011bta v hokeji zaslou\u017e\u00ed v\u011bt\u0161\u00ed televizi? Jestli\u017ee na ob\u011b v\u011bci m\u00e1te, vesele si je po\u0159i\u010fte. Televizi klidn\u011b i se slevov\u00fdm k\u00f3dem na Philips.cz.<\/a> Ale pokud byste si na n\u011b museli br\u00e1t p\u016fj\u010dku, v\u011b\u0159te, \u017ee je to zbyte\u010dn\u00e9<\/strong>. Mobily dnes st\u00e1rnou bleskovou rychlost\u00ed, tak\u017ee v\u017edycky bude existovat n\u011bjak\u00fd nejnov\u011bj\u0161\u00ed model, a hokej si ur\u010dit\u011b u\u017eijete i na pr\u016fm\u011brn\u00e9 \u00fahlop\u0159\u00ed\u010dce. A nebo na pl\u00e1tn\u011b v hosp\u016fdce s kamar\u00e1dy.<\/p>\n\n\n\n

Ne\u010dekan\u00e9 v\u00fddaje<\/a>? Vy\u0159e\u0161te je chyt\u0159e!<\/em><\/strong>

Rozbit\u00e1 pra\u010dka, nepoj\u00edzdn\u00e9 auto nebo utopen\u00fd telefon. Zn\u00e1me to v\u0161ichni. <\/em>Se Skip Pay kartou<\/em><\/a> m\u00e1te kdykoliv k\u00a0dispozici a\u017e\u00a0100 000\u00a0K\u010d, kter\u00e9 m\u016f\u017eete vyu\u017e\u00edt jak na\u00a0b\u011b\u017en\u00e9 n\u00e1kupy, tak i\u00a0na\u00a0v\u00fddaje, se kter\u00fdmi jste nepo\u010d\u00edtali. Na\u00a0zaplacen\u00ed pak budete m\u00edt a\u017e\u00a050\u00a0dn\u016f, a\u00a0pokud budete cht\u00edt, m\u016f\u017eete uhradit jen \u010d\u00e1st hodnoty n\u00e1kupu a\u00a0zbytek si odlo\u017e\u00edte na\u00a0dal\u0161\u00ed m\u011bs\u00edc. <\/em>
<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

3. Splacen\u00ed jin\u00e9 p\u016fj\u010dky<\/strong><\/h2>\n\n\n\n

Pou\u010dka, kter\u00e1 prav\u00ed, \u017ee nen\u00ed rozumn\u00e9 vytloukat p\u016fj\u010dku p\u016fj\u010dkou, pat\u0159\u00ed mezi z\u00e1kladn\u00ed pil\u00ed\u0159e finan\u010dn\u00ed gramotnosti. Jen\u017ee z\u00e1vazky se neptaj\u00ed. Pokud m\u00e1te pot\u00ed\u017ee se spl\u00e1cen\u00edm, nejprve zkuste naj\u00edt rozumn\u00e9 \u0159e\u0161en\u00ed s poskytovatelem p\u016fj\u010dky<\/strong>. Kdy\u017e neusp\u011bjete, po\u017e\u00e1dejte o pomoc rodinu nebo kamar\u00e1dy, kte\u0159\u00ed po v\u00e1s nebudou cht\u00edt vysok\u00e9 \u00faroky. P\u016fj\u010dku, kter\u00e1 v\u00e1s m\u016f\u017ee snadno dostat do dluhov\u00e9 spir\u00e1ly, si nechte a\u017e jako posledn\u00ed mo\u017enost.<\/p>\n\n\n

TIP!<\/div>
Pot\u0159ebujete si p\u016fj\u010dit? Dejte si pozor, abyste nenalet\u011bli lichv\u00e1\u0159\u016fm.<\/a><\/b><\/div><\/div>\n\n\n\n

4. D\u00e1rky<\/strong><\/h2>\n\n\n\n

Pot\u011b\u0161it n\u011bkoho kr\u00e1sn\u00fdm d\u00e1rkem je skv\u011bl\u00e9, ale pokud si na n\u011bj mus\u00edte p\u016fj\u010dovat, bude se v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc p\u0159ipom\u00ednat prost\u0159ednictv\u00edm spl\u00e1tky. A to u\u017e tak vesel\u00e9 nen\u00ed. D\u00e1rky proto v\u017edy po\u0159izujte v souladu s va\u0161imi finan\u010dn\u00edmi mo\u017enostmi<\/strong>. Radost toti\u017e dok\u00e1\u017ee ud\u011blat i mali\u010dkost, pokud je spr\u00e1vn\u011b vybran\u00e1. A nebo, pokud m\u00e1te tvo\u0159iv\u00e9ho ducha, m\u016f\u017eete d\u00e1rek vyrobit. Na internetu najdete tis\u00edce n\u00e1vod\u016f, jak na to.<\/p>\n\n\n\n

\"P\u016fj\u010dka
I mal\u00fd d\u00e1rek dok\u00e1\u017ee ud\u011blat velkou radost.<\/figcaption><\/figure>\n\n\n\n

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

Na tom, \u017ee si p\u016fj\u010d\u00edte pen\u00edze od\u00a0banky, nen\u00ed nic \u0161patn\u00e9ho. Zadlu\u017een\u00ed, kter\u00e9 v\u00e1s bude prov\u00e1zet i\u00a0n\u011bkolik let, by ale m\u011blo b\u00fdt promy\u0161len\u00e9 a\u00a0smyslupln\u00e9. Ve\u00a0kter\u00fdch situac\u00edch je lep\u0161\u00ed na\u00a0p\u016fj\u010dku rad\u011bji zapomenout?<\/p>\n","protected":false},"author":6,"featured_media":5756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[118,157,23,24],"class_list":["post-5758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uver","tag-financni-gramotnost","tag-pujcka","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nP\u016fj\u010dka pen\u011bz: 4\u00a0v\u011bci, na\u00a0kter\u00e9 si nikdy nep\u016fj\u010dujte | Skip Pay<\/title>\n<meta name=\"description\" content=\"P\u016fj\u010dka pen\u011bz b\u00fdv\u00e1 z\u00e1vazek na n\u011bkolik let. Proto si dob\u0159e rozmyslete, jestli ji pot\u0159ebujete. 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