{"id":8128,"date":"2023-08-02T17:41:02","date_gmt":"2023-08-02T16:41:02","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=8128"},"modified":"2026-01-29T14:42:15","modified_gmt":"2026-01-29T13:42:15","slug":"jak-vyresit-necekane-vydaje","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-vyresit-necekane-vydaje\/","title":{"rendered":"Vyzrajte na ne\u010dekan\u00e9 v\u00fddaje: 5 zp\u016fsob\u016f, jak na to\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Jak vy\u0159e\u0161it n\u00e1hl\u00e9 v\u00fddaje&nbsp;<\/h2>\n\n\n\n<p>N\u00e1hl\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/jak-vybrat-vyhodny-spotrebitelsky-uver\/\">v\u00fddaje<\/a> mohou znamenat citeln\u00fd z\u00e1sah do rodinn\u00e9ho rozpo\u010dtu. Na\u0161t\u011bst\u00ed existuj\u00ed zp\u016fsoby, jak tyto situace \u0159e\u0161it, i kdy\u017e nem\u00e1te dostatek financ\u00ed na b\u011b\u017en\u00e9m \u00fa\u010dtu. Nemus\u00edte tak hned ru\u0161it stavebn\u00ed spo\u0159en\u00ed a p\u0159ij\u00edt o statn\u00ed podporu nebo \u017e\u00e1dat o nev\u00fdhodnou p\u016fj\u010dku. Jde to i jinak.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>S\u00e1hn\u011bte do rezervy<\/strong>. Pokud m\u00e1te bokem na\u0161et\u0159eno dostate\u010dn\u00e9 mno\u017estv\u00ed pen\u011bz, te\u010f p\u0159i\u0161el jejich \u010das. Vydan\u00e9 pen\u00edze ale nezapome\u0148te zase do\u0161et\u0159it.&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Doslou\u017eila v\u00e1m ledni\u010dka? Na novou si nemus\u00edte p\u0159epos\u00edlat pen\u00edze ze sv\u00e9ho spo\u0159\u00edc\u00edho \u00fa\u010dtu. Vyu\u017eijte rad\u011bji <a href=\"https:\/\/skippay.cz\/platba-skip-pay\">odlo\u017eenou platbu od Skip Pay<\/a>. Nakupte to, co pot\u0159ebujete, a zapla\u0165te klidn\u011b a\u017e za 50 dn\u00ed. Zdarma a bez h\u00e1\u010dk\u016f.<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P\u016fj\u010dte si od rodiny nebo zn\u00e1m\u00fdch<\/strong>. P\u016fj\u010dka od bl\u00edzk\u00fdch je velmi obl\u00edbenou a \u010dasto i bez\u00faro\u010dnou mo\u017enost\u00ed, jak rychle z\u00edskat pot\u0159ebn\u00e9 finance. Berte ale v potaz, \u017ee va\u0161e v\u00fddaje te\u010f budou pod drobnohledem a nevyrovnan\u00e9 z\u00e1vazky mohou naru\u0161it i dosud neposkvrn\u011bn\u00e9 vztahy.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jd\u011bte do m\u00ednusu. <\/strong>Vyu\u017eijte <a href=\"https:\/\/skippay.cz\/blog\/kontokorent-versus-odlozena-platba\/\">kontokorent<\/a> a \u010derpejte limit sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu do m\u00ednusu. Pen\u00edze m\u016f\u017eete vyu\u017e\u00edt okam\u017eit\u011b a opakovan\u011b. Pozor ale na \u00farokovou sazbu, kter\u00e1 m\u016f\u017ee b\u00fdt \u010dasto i v des\u00edtk\u00e1ch procent.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: <a href=\"https:\/\/skippay.cz\/karta\">Pla\u0165te se Skip Pay kartou.<\/a> M\u011bs\u00ed\u010dn\u011b m\u016f\u017eete na cokoli vyu\u017e\u00edt a\u017e 50 000 K\u010d a na rozd\u00edl od kontokorentu za to neplat\u00edte \u017e\u00e1dn\u00e9 \u00faroky.<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pla\u0165te kreditn\u00ed kartou. <\/strong>S kreditkou zaplat\u00edte stejn\u011b jako s va\u0161\u00ed platebn\u00ed kartou. Rozd\u00edl je jen v tom, \u017ee pen\u00edze na kreditce nejsou va\u0161e. Pokud tedy p\u016fj\u010den\u00e9 pen\u00edze nevr\u00e1t\u00edte v bez\u00faro\u010dn\u00e9m obdob\u00ed, zaplat\u00edte za n\u011b vysok\u00e9 \u00faroky.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vezm\u011bte si vhodn\u00fd \u00fav\u011br. <\/strong>N\u011bkter\u00e9 banky poskytuj\u00ed sv\u00fdm klient\u016fm kr\u00e1tkodobou p\u016fj\u010dku, kterou si sjednaj\u00ed jedn\u00edm klikem v internetov\u00e9m bankovnictv\u00ed. Vyhnete se tak slo\u017eit\u00e9mu pap\u00edrov\u00e1n\u00ed a dokazov\u00e1n\u00ed p\u0159\u00edjm\u016f jako u klasick\u00e9 <a href=\"https:\/\/skippay.cz\/pujcka\">p\u016fj\u010dky<\/a>.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">TIP: Nefunk\u010dn\u00ed spot\u0159ebi\u010de jsou \u010dastou p\u0159\u00ed\u010dinou nenad\u00e1l\u00fdch v\u00fddaj\u016f. Nebojte se, \u017ee v\u00e1m elektronika doslou\u017e\u00ed hned po 2let\u00e9 z\u00e1ruce. Se Skip Pay si ji m\u016f\u017eete <a href=\"https:\/\/skippay.cz\/pojisteni\">prodlou\u017eit a\u017e o 3 roky<\/a> nad r\u00e1mec standardn\u00ed dvoulet\u00e9 z\u00e1ruky.<\/div><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/08\/prasatko.jpg\" alt=\"\" class=\"wp-image-8131\" srcset=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/08\/prasatko.jpg 768w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/08\/prasatko-300x200.jpg 300w, https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2023\/08\/prasatko-150x100.jpg 150w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><figcaption class=\"wp-element-caption\"><em>Odkl\u00e1dejte si \u010d\u00e1st p\u0159\u00edjmu stranou a ne\u010dekan\u00e9 v\u00fddaje v\u00e1s nerozhod\u00ed.<\/em>&nbsp;<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jak si vybudovat finan\u010dn\u00ed rezervu&nbsp;<\/h2>\n\n\n\n<p>Aby v\u00e1s n\u00e1hl\u00e9 v\u00fddaje nezasko\u010dily, vybudujte si dostate\u010dnou finan\u010dn\u00ed rezervu. <strong>Ta by m\u011bla b\u00fdt ve v\u00fd\u0161i 3 a\u017e 6 m\u011bs\u00ed\u010dn\u00edch plat\u016f<\/strong>. Rezerva by m\u011bla pokr\u00fdt obdob\u00ed, kdy se pot\u00fdk\u00e1te s velk\u00fdmi v\u00fddaji nebo n\u00edzk\u00fdmi p\u0159\u00edjmy, a pomoct v\u00e1m se stabilizovat v p\u0159\u00edpad\u011b nep\u0159\u00edzniv\u00fdch \u017eivotn\u00edch ud\u00e1lost\u00ed. Jak ji na\u0161et\u0159it?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pravideln\u011b si odkl\u00e1dejte \u010d\u00e1st pen\u011bz ze sv\u00e9ho p\u0159\u00edjmu, ide\u00e1ln\u011b 10 %. <\/strong>Pen\u00edze pos\u00edlejte na \u00fa\u010det, kter\u00fd je odd\u011blen\u00fd od va\u0161eho b\u011b\u017en\u00e9ho \u00fa\u010dtu, nap\u0159. na spo\u0159ic\u00ed \u00fa\u010det. Pen\u00edze na spo\u0159\u00e1ku m\u00e1te toti\u017e okam\u017eit\u011b k dispozici a v\u00fd\u0161e poskytovan\u00e9ho \u00faroku by m\u011bla zm\u00edrnit dopady inflace.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nem\u00e1te, kde pen\u00edze br\u00e1t? <strong>Vytvo\u0159te si finan\u010dn\u00ed den\u00edk, do kter\u00e9ho si budete zapisovat ve\u0161ker\u00e9 <a href=\"https:\/\/skippay.cz\/blog\/nejlepsi-financni-aplikace\/\">p\u0159\u00edjmy a v\u00fddaje<\/a> dom\u00e1cnosti.<\/strong> D\u00edky tomu na prvn\u00ed pohled uvid\u00edte, kolik v\u00e1s co stoj\u00ed, za co jste pen\u00edze utratili a t\u0159eba objev\u00edte i d\u00edru, kterou pen\u00edze zbyte\u010dn\u011b odt\u00e9kaj\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hledejte dodate\u010dn\u00e9 p\u0159\u00edjmy.<\/strong> Pokud nem\u00e1te ani korunu nav\u00edc, najd\u011bte zp\u016fsob, jak do va\u0161\u00ed kasi\u010dky nasypat v\u00edce pen\u011bz. Po\u017e\u00e1dejte o zv\u00fd\u0161en\u00ed mzdy, najd\u011bte si p\u0159iv\u00fdd\u011blek, prodejte nepot\u0159ebn\u00e9 v\u011bci, pronaj\u00edmejte nevyu\u017e\u00edvanou gar\u00e1\u017e nebo kus zahrady. V\u00e1\u0161 napnut\u00fd rozpo\u010det si d\u00edky tomu ulev\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-image size-large d-md-none\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 690px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_690px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>\n<figure class=\"wp-block-image size-large d-none d-md-block\"><a href=\"https:\/\/skippay.cz\/platba-skip-pay\" target=\"_blank&quot;\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"border-radius: 16px; max-width: 919px; box-shadow: 0 5px 30px 0 rgba(0, 0, 0, 0.1);\" src=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2025\/03\/skip-pay_odlozena-platba_zadne-cary-pres-rozpocet_919px.png\" alt=\"\u017d\u00e1dn\u00e9 \u010d\u00e1ry p\u0159es rozpo\u010det. Pla\u0165te jen tolik, kolik se v\u00e1m zrovna hod\u00ed\"><\/a><\/figure>","protected":false},"excerpt":{"rendered":"<p>Rozbila se v\u00e1m my\u010dka, va\u0161e auto nepro\u0161lo technickou, p\u0159i\u0161li jste o pr\u00e1ci nebo mus\u00edte skl\u00e1dat kauci za pron\u00e1jem nov\u00e9ho bytu? Pokud nem\u00e1te dostatek pen\u011bz na \u00fa\u010dtu, m\u016f\u017eou v\u00e1m tyto ne\u010dekan\u00e9 situace zp\u016fsobit bezesn\u00e9 noci. Jak to ust\u00e1t a nespadnout do dluhov\u00e9 pasti?<\/p>\n","protected":false},"author":30,"featured_media":8129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,157,2304,2359,24],"class_list":["post-8128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-financni-gramotnost","tag-finance","tag-pujcky","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vyzrajte na ne\u010dekan\u00e9 v\u00fddaje: 5 zp\u016fsob\u016f, jak na to\u00a0 I Skip Pay<\/title>\n<meta name=\"description\" content=\"Jak vy\u0159e\u0161it n\u00e1hl\u00e9 v\u00fddaje a nedostat se do dluhov\u00e9 pasty? M\u00e1me pro v\u00e1s n\u011bkolik tip\u016f. 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