{"id":860,"date":"2019-10-07T09:13:40","date_gmt":"2019-10-07T08:13:40","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=860"},"modified":"2025-10-30T12:54:24","modified_gmt":"2025-10-30T11:54:24","slug":"jak-ziskat-financni-injekci-pri-studiu-bez-pujcky-nebo-nakupu-na-splatky","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/jak-ziskat-financni-injekci-pri-studiu-bez-pujcky-nebo-nakupu-na-splatky\/","title":{"rendered":"Studujete a m\u00e1te hluboko do kapsy? V\u00edme, jak to vy\u0159e\u0161it bez p\u016fj\u010dky nebo n\u00e1kupu na spl\u00e1tky"},"content":{"rendered":"\n

Studentsk\u00e1 p\u016fj\u010dka<\/strong><\/h2>\n\n\n\n

Studentsk\u00e9 p\u016fj\u010dky<\/a> nejsou v \u010cesku tak roz\u0161\u00ed\u0159en\u00e9 jako t\u0159eba v anglosask\u00e9m sv\u011bt\u011b, kde \u0161koln\u00e9 pro studenta i jeho rodinu p\u0159edstavuje velkou finan\u010dn\u00ed z\u00e1t\u011b\u017e<\/strong>. V \u010cesk\u00e9 republice prob\u00edh\u00e1 v\u00fduka na st\u00e1tn\u00edch vysok\u00fdch \u0161kol\u00e1ch bezplatn\u011b, ale kdy\u017e d\u00e1te p\u0159ednost \u0161kole soukrom\u00e9, tak se \u0161koln\u00e9mu, nevyhnete, i kdy\u017e oproti zahrani\u010d\u00ed je st\u00e1le \u0159\u00e1dov\u011b ni\u017e\u0161\u00ed. Nem\u00e1te-li  dostate\u010dn\u00e9 finan\u010dn\u00ed z\u00e1zem\u00ed, m\u016f\u017eete studentsk\u00fdm \u00fav\u011brem pokr\u00fdt pr\u00e1v\u011b \u0161koln\u00e9, speci\u00e1ln\u00ed kurzy, pobyt v zahrani\u010d\u00ed v r\u00e1mci programu Erasmus nebo t\u0159eba n\u00e1kup po\u0159\u00e1dn\u00e9ho notebooku. <\/p>\n\n\n\n

V \u010cesk\u00e9 republice mohou o p\u016fj\u010dku <\/a>po\u017e\u00e1dat studenti st\u0159edn\u00edch, vy\u0161\u0161\u00edch odborn\u00fdch i vysok\u00fdch \u0161kol. Pokud nemaj\u00ed vlastn\u00ed p\u0159\u00edjmy<\/a>, je t\u0159eba, aby za n\u011b ru\u010dila t\u0159et\u00ed osoba<\/strong>, tedy zpravidla jeden z rodi\u010d\u016f. Banky student\u016fm slibuj\u00ed ni\u017e\u0161\u00ed \u00farok i mo\u017enost hradit pouze \u00faroky a samotn\u00fd \u00fav\u011br splatit a\u017e po dokon\u010den\u00ed studia. I kdy\u017e v\u00e1m p\u016fj\u010dka<\/a> m\u016f\u017ee pokr\u00fdt bezstarostn\u00e9 studium, zva\u017ete, ne\u017e o ni po\u017e\u00e1d\u00e1te, jestli v\u00e1m stoj\u00ed za to, abyste do\u201edosp\u011bl\u00e9ho \u017eivota\u201c  vstupovali s finan\u010dn\u00edm z\u00e1vazkem.<\/p>\n\n\n

TIP!<\/div>
Nechcete p\u0159i studiu \u017eivo\u0159it? Sepsali jsme pro v\u00e1s tipy, jak vyj\u00edt s pen\u011bzi, kdy\u017e studujete.<\/a><\/b><\/div><\/div>\n\n\n\n

Samotn\u00e9ho procesu vy\u0159\u00edzen\u00ed p\u016fj\u010dky<\/a> se nen\u00ed t\u0159eba ob\u00e1vat. Z\u00edskat p\u016fj\u010dku je v dne\u0161n\u00ed dob\u011b pom\u011brn\u011b jednoduch\u00e9 a v\u0161e je mo\u017en\u00e9 vy\u0159\u00eddit elektronickou cestou. Pokud nem\u00e1te mezi studiem a brig\u00e1dami \u010das b\u011bhat do banky, m\u016f\u017eete vyu\u017e\u00edt mo\u017enost sjedn\u00e1n\u00ed online p\u016fj\u010dky bez vol\u00e1n\u00ed<\/a>. Ve\u0161ker\u00e9 pot\u0159ebn\u00e9 n\u00e1le\u017eitosti vy\u0159\u00edd\u00edte z pohodl\u00ed domova. Sjedn\u00e1n\u00ed p\u016fj\u010dky v\u00e1m nezabere p\u0159\u00edli\u0161 \u010dasu, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je v\u0161e vy\u0159\u00edzeno v horizontu n\u011bkolika minut. U\u0161et\u0159en\u00fd \u010das m\u016f\u017eete v\u011bnovat d\u016fkladn\u00e9mu propo\u010dtu finan\u010dn\u00ed situace a zv\u00e1\u017een\u00ed, zda je sjedn\u00e1n\u00ed p\u016fj\u010dky spr\u00e1vn\u00fdm \u0159e\u0161en\u00edm va\u0161\u00ed situace.<\/p>\n\n\n\n

N\u00e1kup na spl\u00e1tky<\/strong><\/h2>\n\n\n\n

V\u011bt\u0161ina \u010desk\u00fdch vysoko\u0161kol\u00e1k\u016f si p\u0159i studiu, pokud jim to rozvrh dovol\u00ed, p\u0159ivyd\u011bl\u00e1v\u00e1. N\u011bkte\u0159\u00ed s\u00e1zej\u00ed na n\u00e1razov\u00e9 brig\u00e1dy, jin\u00ed zvl\u00e1daj\u00ed pracovat na vy\u0161\u0161\u00ed \u00favazek<\/strong> a vyd\u011blat si pom\u011brn\u011b slu\u0161n\u00e9 pen\u00edze. Pokud tedy m\u00e1te n\u011bjak\u00fd pravideln\u00fd p\u0159\u00edjem, m\u016f\u017eete si nov\u00fd notebook, vybaven\u00ed bytu nebo jinou n\u00e1kladn\u011bj\u0161\u00ed polo\u017eku po\u0159\u00eddit na spl\u00e1tky<\/a>, aby jednor\u00e1zov\u00fd n\u00e1kup nevys\u00e1l v\u0161echny va\u0161e \u00faspory.<\/p>\n\n\n

\n
\"Jak
Pokud b\u011bhem studia st\u00edh\u00e1te pracovat, m\u00e1te nap\u016fl vyhr\u00e1no.<\/figcaption><\/figure>\n<\/div>\n\n\n

Nezapome\u0148te ale na to, \u017ee n\u00e1kup na spl\u00e1tky je v podstat\u011b druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, kter\u00fd nen\u00ed radno br\u00e1t na lehkou v\u00e1hu. Proto si dob\u0159e prostudujte podm\u00ednky, kter\u00e9 v\u00e1m obchodn\u00edk, respektive spl\u00e1tkov\u00e1 spole\u010dnost nab\u00edz\u00ed, a pokud nejsou v\u00fdhodn\u00e9, poohl\u00e9dn\u011bte se jinde. D\u016fsledn\u00ed bu\u010fte i p\u0159i spl\u00e1cen\u00ed, kter\u00e9 je nejlep\u0161\u00ed, zvl\u00e1\u0161\u0165 pokud jste zapomn\u011btliv\u00ed, vy\u0159e\u0161it prost\u0159ednictv\u00edm trval\u00e9ho platebn\u00edho p\u0159\u00edkazu<\/strong>. Byla by \u0161koda, aby v\u00e1m t\u0159eba opo\u017ed\u011bn\u00e1 spl\u00e1tka pokazila v\u00e1\u0161 finan\u010dn\u00ed profil.<\/p>\n\n\n

TIP!<\/div>
Nen\u00ed v\u0161echno zlato, co se t\u0159pyt\u00ed. P\u0159e\u010dt\u011bte si, jak\u00e9 jsou v\u00fdhody a nev\u00fdhody n\u00e1kupu na spl\u00e1tky.<\/a><\/b><\/div><\/div>\n\n\n\n

Odlo\u017een\u00e1 platba<\/strong><\/h2>\n\n\n\n

T\u00fdden do v\u00fdplaty a va\u0161e finan\u010dn\u00ed zdroje se pov\u00e1\u017eliv\u011b zten\u010dily? Po\u0159\u00edzen\u00ed v\u011bc\u00ed v hodnot\u011b jednotek tis\u00edc nen\u00ed t\u0159eba \u0159e\u0161it \u00fav\u011brem ani n\u00e1kupem na spl\u00e1tky. Rad\u011bji vyzkou\u0161ejte odlo\u017eenou platbu, d\u00edky n\u00ed\u017e za zbo\u017e\u00ed, kter\u00e9 si objedn\u00e1te, m\u016f\u017eete zaplatit kdykoliv do 30 dn\u016f od doru\u010den\u00ed<\/strong>. To znamen\u00e1, \u017ee kdy\u017e si n\u00e1kup \u0161ikovn\u011b na\u010dasujete, uhrad\u00edte ho a\u017e z dal\u0161\u00ed v\u00fdplaty, kterou prozat\u00edm je\u0161t\u011b nem\u00e1te na \u00fa\u010dt\u011b. To zn\u00ed docela rozumn\u011b, nemysl\u00edte?<\/p>\n\n\n\n

Odlo\u017een\u00e1 platba m\u00e1 i dal\u0161\u00ed v\u00fdhody \u2013 bez placen\u00ed z\u00edsk\u00e1te dva t\u00fddny na to, abyste si zbo\u017e\u00ed d\u016fkladn\u011b prohl\u00e9dli a vyzkou\u0161eli, a pokud zjist\u00edte, \u017ee nen\u00ed p\u0159esn\u011b podle va\u0161ich p\u0159edstav, m\u016f\u017eete ho jednodu\u0161e vr\u00e1tit. Skv\u011bl\u00e9 je, \u017ee se vyhnete kole\u010dku, kter\u00e9 obvykle doprov\u00e1z\u00ed vracen\u00ed pen\u011bz<\/strong>, proto\u017ee fakticky jste za n\u00e1kup je\u0161t\u011b nezaplatili. D\u00edky tomu va\u0161e pen\u00edze nebudou zbyte\u010dn\u011b viset u obchodn\u00edka. Co\u017e ve chv\u00edli, kdy v\u00e1\u0161 \u00fa\u010det neprask\u00e1 ve \u0161vech, ur\u010dit\u011b ocen\u00edte.<\/p>\n\n\n

\n
\"Jak
Nenechte se b\u011bhem studia stresovat nedostatkem pen\u011bz.<\/figcaption><\/figure>\n<\/div>\n\n\n

Pokud u\u017e m\u00e1te finan\u010dn\u00ed str\u00e1nku studia alespo\u0148 pro za\u010d\u00e1tek vy\u0159e\u0161enou, tady najdete dal\u0161\u00ed tipy, jak to ud\u011blat, aby v\u00e1m studium \u0161lo hned od za\u010d\u00e1tku p\u011bkn\u011b od ruky.<\/p>\n\n\n\n

5 tip\u016f, jak p\u0159e\u017e\u00edt prvn\u00ed semestr na vysok\u00e9 \u0161kole?
<\/strong><\/em>
1. N<\/strong><\/em>ajd\u011bte si sp\u0159\u00edzn\u011bn\u00e9 du\u0161e
<\/em><\/strong>Najd\u011bte si mezi spolu\u017e\u00e1ky par\u0165\u00e1ky, se kter\u00fdmi budete sd\u00edlet nejen pozn\u00e1mky a studijn\u00ed materi\u00e1ly, ale i v\u0161echny ostatn\u00ed slasti a strasti studentsk\u00e9ho \u017eivota.<\/em> <\/em><\/strong>

2. Dodr\u017eujte doch\u00e1zku
<\/strong>Alespo\u0148 v prvn\u00edch t\u00fddnech studia poctiv\u011b cho\u010fte na p\u0159edm\u011bty, kter\u00e9 jste si zapsali. Sezn\u00e1m\u00edte se s vyu\u010duj\u00edc\u00edm a a\u017e dojde na zkou\u0161ku, budete v\u011bd\u011bt, co a jak.  <\/em>
 <\/em>
3. Bu\u010fte v obraze
<\/em><\/strong>Na Facebooku existuj\u00ed tis\u00edce virtu\u00e1ln\u00edch studijn\u00edch skupin, kde mezi sebou spolu\u017e\u00e1ci sd\u00edl\u00ed r\u016fzn\u00e9 materi\u00e1ly, pozn\u00e1mky, zku\u0161enost\u00ed a term\u00edny. Tam zkr\u00e1tka nesm\u00edte chyb\u011bt.
<\/em> <\/em><\/strong>
4. \u017d<\/strong><\/em>\u00e1dnou paniku
<\/em><\/strong>\u0160patn\u011b zapsan\u00e9 p\u0159edm\u011bty? M\u00e1lo kredit\u016f? Nesrozumiteln\u00e9 zad\u00e1n\u00ed semin\u00e1rky? Nepanika\u0159te a rad\u011bji probl\u00e9m hned \u0159e\u0161te. Odlo\u017eit ho \u201ena pozd\u011bji\u201c je to nejhor\u0161\u00ed \u0159e\u0161en\u00ed.
 <\/em>
5. \u0160<\/strong><\/em>kola nen\u00ed v\u0161echno
<\/em><\/strong>Jist\u011b, vzd\u011bl\u00e1n\u00ed je d\u016fle\u017eit\u00e9, ale p\u0159esto neberte studium smrteln\u011b v\u00e1\u017en\u011b a ud\u011blejte si \u010das tak\u00e9 na sebe. P\u0159ece nevym\u011bn\u00edte kamar\u00e1dy a kon\u00ed\u010dky za le\u017een\u00ed ve skriptech!<\/em> <\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

Zdaleka ne ka\u017ed\u00fd \u010desk\u00fd student se top\u00ed v pen\u011bz\u00edch. Tak\u00e9 m\u00edv\u00e1te do kapsy hloub\u011bji, ne\u017e by se v\u00e1m l\u00edbilo? Pod\u00edvali jsme se na to, jak\u00e9 maj\u00ed studenti v \u010cesku mo\u017enosti, kdy\u017e pot\u0159ebuj\u00ed finan\u010dn\u00ed injekci na zaplacen\u00ed \u0161koln\u00e9ho a dal\u0161\u00edch v\u00fddaj\u016f spojen\u00fdch se studiem i b\u011b\u017en\u00fdm studentsk\u00fdm \u017eivotem. <\/p>\n","protected":false},"author":6,"featured_media":864,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,24],"class_list":["post-860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nStudujete a m\u00e1te m\u00e1lo pen\u011bz? Neberte si p\u016fj\u010dky | Skip Pay<\/title>\n<meta name=\"description\" content=\"Studujete a pot\u0159ebujete pen\u00edze? \ud83d\udcb8 Studentsk\u00e1 p\u016fj\u010dka nebo n\u00e1kup na spl\u00e1tky nejsou ide\u00e1ln\u00ed. Zvolte odlo\u017eenou platbu a pla\u0165te a\u017e za 30 dn\u00ed.\" \/>\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-ziskat-financni-injekci-pri-studiu-bez-pujcky-nebo-nakupu-na-splatky\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Studujete a m\u00e1te m\u00e1lo pen\u011bz? Neberte si p\u016fj\u010dky | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Studujete a pot\u0159ebujete pen\u00edze? \ud83d\udcb8 Studentsk\u00e1 p\u016fj\u010dka nebo n\u00e1kup na spl\u00e1tky nejsou ide\u00e1ln\u00ed. 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