[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tukar.cz\/proc-je-financni-gramotnost-tak-dulezita\/#Article","mainEntityOfPage":"https:\/\/www.tukar.cz\/proc-je-financni-gramotnost-tak-dulezita\/","headline":"Pro\u010d je finan\u010dn\u00ed gramotnost tak d\u016fle\u017eit\u00e1?","name":"Pro\u010d je finan\u010dn\u00ed gramotnost tak d\u016fle\u017eit\u00e1?","description":"S p\u0159\u00edchodem dosp\u011blosti u n\u00e1s nastane nevyhnuteln\u00e1 nutnost zab\u00fdvat se financemi. Nastoup\u00edme do prvn\u00edho zam\u011bstn\u00e1n\u00ed, dost\u00e1v\u00e1me v\u00fdplatu a sna\u017e\u00edme se t\u0159eba i n\u011bco u\u0161et\u0159it. Finan\u010dn\u00ed gramotnost n\u00e1s pr\u00e1v\u011b u\u010d\u00ed, jak zach\u00e1zet a hospoda\u0159it s pen\u011bzi, abychom […]","datePublished":"2022-09-07","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.tukar.cz\/author\/#Person","name":"","url":"https:\/\/www.tukar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tukar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tukar.cz\/wp-content\/uploads\/pexels-pixabay-164527.jpg","url":"https:\/\/www.tukar.cz\/wp-content\/uploads\/pexels-pixabay-164527.jpg","height":0,"width":0},"url":"https:\/\/www.tukar.cz\/proc-je-financni-gramotnost-tak-dulezita\/","about":["Finance"],"wordCount":461,"articleBody":"             S p\u0159\u00edchodem dosp\u011blosti u n\u00e1s nastane nevyhnuteln\u00e1 nutnost zab\u00fdvat se financemi. Nastoup\u00edme do prvn\u00edho zam\u011bstn\u00e1n\u00ed, dost\u00e1v\u00e1me v\u00fdplatu a sna\u017e\u00edme se t\u0159eba i n\u011bco u\u0161et\u0159it. Finan\u010dn\u00ed gramotnost n\u00e1s pr\u00e1v\u011b u\u010d\u00ed, jak zach\u00e1zet a hospoda\u0159it s pen\u011bzi, abychom zaplatili v\u0161echny nutnosti a pokryli sv\u00e9 pot\u0159eby a z\u00e1rove\u0148 i n\u011bco u\u0161et\u0159ili.Pokud v\u00e1m d\u011bl\u00e1 hospoda\u0159en\u00ed s pen\u011bzi probl\u00e9m, dr\u017ete se t\u00e9to z\u00e1sady. V\u017edy si z v\u00fdplaty odlo\u017ete \u010d\u00e1stku na v\u011bci, kter\u00e9 je nutn\u00e9 ten m\u011bs\u00edc zaplatit. To znamen\u00e1 n\u00e1jem, inkaso, tarif u mobiln\u00edho oper\u00e1tora, poji\u0161t\u011bn\u00ed  https:\/\/www.cpzp.cz\/pojisteni\/smlouvy.php a podobn\u011b. Spo\u010d\u00edtejte si, kolik m\u011bs\u00ed\u010dn\u011b pot\u0159ebujete pen\u011bz na j\u00eddlo a tuto \u010d\u00e1stku si taky odlo\u017ete. Nechte si i n\u011bco na z\u00e1bavu a zbytek, pokud mo\u017eno uspo\u0159te.Spousta lid\u00ed, kte\u0159\u00ed tak \u00fapln\u011b ovl\u00e1daj\u00ed finan\u010dn\u00ed gramotnost toti\u017e \u017eij\u00ed od v\u00fdplaty k v\u00fdplat\u011b. To znamen\u00e1, \u017ee v\u0161echno utrat\u00ed a den p\u0159ed v\u00fdplatou jejich \u00fa\u010det z\u00edv\u00e1 pr\u00e1zdnotou. Netvo\u0159\u00ed si \u017e\u00e1dn\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 nebo rezervu. To je ale \u0161patn\u011b. I kdy\u017e na nic konkr\u00e9tn\u00edho ne\u0161et\u0159\u00edte, v\u017edy byste m\u011bli m\u00edt v z\u00e1sob\u011b pen\u00edze pro ne\u010dekan\u00e9 ud\u00e1losti. Nikdy nev\u00edte, co se v\u00e1m pokaz\u00ed a budete pot\u0159ebovat d\u00e1t n\u011bjak\u00fd v\u011bt\u0161\u00ed v\u00fddaj pen\u011bz.Pokud v\u00e1m m\u011bs\u00ed\u010dn\u011b nezb\u00fdvaj\u00ed opravdu \u017e\u00e1dn\u00e9 pen\u00edze, kter\u00e9 m\u016f\u017eete u\u0161et\u0159it, bude asi vhodn\u00e9, kdy\u017e se poohl\u00e9dnete po pr\u00e1ci, kter\u00e1 v\u00e1m p\u0159ece jen d\u00e1 takov\u00fd plat, \u017ee budete moci alespo\u0148 malou \u010d\u00e1stku m\u011bs\u00ed\u010dn\u011b odkl\u00e1dat.Jestli na n\u011bco nem\u00e1te pen\u00edze a nen\u00ed to \u017eivotn\u011b d\u016fle\u017eit\u00e9, na\u0161et\u0159ete si na to. T\u00edm mysl\u00edme t\u0159eba drah\u00fd telefon, nejnov\u011bj\u0161\u00ed model notebooku, nov\u00e9 auto nebo luxusn\u00ed dovolen\u00e1. Na takov\u00e9 v\u011bci si opravdu sna\u017ete nebrat p\u016fj\u010dky. Lid\u00e9, kte\u0159\u00ed toto praktikuj\u00ed \u010dasto spadnou do dluhov\u00e9 pasti. A to pro v\u00e1s m\u016f\u017ee m\u00edt nep\u0159\u00edjemn\u00e9 n\u00e1sledky. Lid\u00e9 se z\u00e1znamem v registru dlu\u017en\u00edk\u016f se jev\u00ed jako ned\u016fv\u011bryhodn\u00ed t\u0159eba pro banky. M\u016f\u017ee nastat situace, kdy budete nutn\u011b pot\u0159ebovat auto na leasing, proto\u017ee to star\u00e9 se v\u00e1m \u00fapln\u011b rozbilo, nebo si budete cht\u00edt hypot\u00e9ku. Banka v\u00e1m ale v takov\u00e9m p\u0159\u00edpad\u011b nep\u016fj\u010d\u00ed. Jedinou mo\u017enost\u00ed pak pro v\u00e1s bude nebankovn\u00ed hypot\u00e9ka.                                                                                                                                                                                                                                                                                                                                                                                                  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