[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tekra.cz\/jste-financne-gramotni\/#Article","mainEntityOfPage":"https:\/\/www.tekra.cz\/jste-financne-gramotni\/","headline":"Jste finan\u010dn\u011b gramotn\u00ed?","name":"Jste finan\u010dn\u011b gramotn\u00ed?","description":"St\u00e1le v\u00edce se ukazuje, \u017ee je pot\u0159eba na\u0161e d\u011bti, ale nejen ty, u\u010dit tzv. finan\u010dn\u00ed gramotnosti. Poznat hodnotu pen\u011bz by m\u011bli d\u011bti um\u011bt co nejd\u0159\u00edve. Sotva se nau\u010d\u00ed pozn\u00e1vat p\u00edsmena a \u010d\u00edslice, je vhodn\u00e9 je hravou formou u\u010dit po\u010d\u00edtat s pen\u011bzi. Nejde o to, abychom jim koupili pras\u00e1tko, do kter\u00e9ho si budou spo\u0159it, ale nau\u010dit je, \u017ee budou dost\u00e1vat pravideln\u00fd p\u0159\u00edjem, kapesn\u00e9, a z t\u011bchto …","datePublished":"2025-01-19","dateModified":"2025-01-19","author":{"@type":"Person","@id":"https:\/\/www.tekra.cz\/author\/#Person","name":"","url":"https:\/\/www.tekra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tekra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tekra.cz\/wp-content\/uploads\/money-5885620_640.jpg","url":"https:\/\/www.tekra.cz\/wp-content\/uploads\/money-5885620_640.jpg","height":0,"width":0},"url":"https:\/\/www.tekra.cz\/jste-financne-gramotni\/","about":["Ekonomika"],"wordCount":426,"articleBody":"      St\u00e1le v\u00edce se ukazuje, \u017ee je pot\u0159eba na\u0161e d\u011bti, ale nejen ty, u\u010dit tzv. finan\u010dn\u00ed gramotnosti. Poznat hodnotu pen\u011bz by m\u011bli d\u011bti um\u011bt co nejd\u0159\u00edve. Sotva se nau\u010d\u00ed pozn\u00e1vat p\u00edsmena a \u010d\u00edslice, je vhodn\u00e9 je hravou formou u\u010dit po\u010d\u00edtat s pen\u011bzi. Nejde o to, abychom jim koupili pras\u00e1tko, do kter\u00e9ho si budou spo\u0159it, ale nau\u010dit je, \u017ee budou dost\u00e1vat pravideln\u00fd p\u0159\u00edjem, kapesn\u00e9, a z t\u011bchto pen\u011bz si budou muset sami po\u0159izovat n\u011bkter\u00e9 v\u011bci, t\u0159eba sva\u010diny, platit autobus, ale t\u0159eba i tarif na mobil. V\u00fd\u0161e kapesn\u00e9ho se pochopiteln\u011b bud odv\u00edjet od v\u011bku d\u00edt\u011bte a od v\u00fddaj\u016f, kter\u00e9 budeme cht\u00edt, aby si d\u00edt\u011b hradilo samo. Pochopiteln\u011b mu nem\u016f\u017eeme d\u00e1vat m\u00e9n\u011b ne\u017e budou jeho nutn\u00e9 v\u00fddaje, ale nem\u011bli bychom jim d\u00e1vat pen\u00edze mimo dan\u00fd term\u00edn, aby v\u011bd\u011bli, \u017ee mus\u00ed v\u017edy do v\u00fdplaty vydr\u017eet. Dostat se do dluh\u016f jde toti\u017e v re\u00e1ln\u00e9m \u017eivot\u011b velmi snadno. Sta\u010d\u00ed pou\u017e\u00edvat platebn\u00ed kartu, kde nekontrolujeme z\u016fstatek a m\u00e1me tzv, kontokorent, kter\u00fd n\u00e1m dovol\u00ed n\u00e1kupy, i kdy\u017e u\u017e jsme na \u00fa\u010dtu v m\u00ednusu. Tak\u00e9 n\u00e1kupy velk\u00fdch spot\u0159ebi\u010d\u016f nebo auta a pot\u00e9 spl\u00e1tky mohou nad\u011blat v na\u0161\u00ed finan\u010dn\u00ed situaci chaos a kdy\u017e do toho vstoup\u00ed dlouhodob\u00e1 nemocensk\u00e1, \u00faraz nebo vyhazov z pr\u00e1ce, je na velk\u00fd probl\u00e9m zad\u011bl\u00e1no.Jste v dluz\u00edch a m\u00e1te u\u017e na dohled exekutora? Je pot\u0159eba urychlen\u011b jednat a dluhy splatit, a i kdy\u017e cesta m\u016f\u017ee b\u00fdt zna\u010dn\u011b trnit\u00e1, prvn\u00ed krok je jasn\u00fd. Mus\u00edte si vz\u00edt hypot\u00e9ku, kterou splat\u00edte ve\u0161ker\u00e9 sv\u00e9 dluhy a kterou pak budete poctiv\u011b spl\u00e1cet i za cenu velk\u00e9ho \u0161et\u0159en\u00ed nebo druh\u00e9 pr\u00e1ce a t\u00edm p\u00e1dem druh\u00e9ho p\u0159\u00edjmu. Hypot\u00e9ku pro dlu\u017en\u00edky nebankovnihypoteka.cz si m\u016f\u017eete nebo sp\u00ed\u0161e budete muset sjednat u nebankovn\u00ed spole\u010dnosti, proto\u017ee banky se s dlu\u017en\u00edky nebav\u00ed. P\u0159i sjedn\u00e1v\u00e1n\u00ed hypot\u00e9ky ale m\u011bjte na pam\u011bti, \u017ee je pot\u0159eba nastavit spl\u00e1tky dle va\u0161ich mo\u017enost\u00ed. Nel\u017eete o sv\u00fdch p\u0159\u00edjmech, proto\u017ee ne\u00fam\u011brn\u011b vysok\u00fdmi spl\u00e1tkami se dostanete do je\u0161t\u011b v\u011bt\u0161\u00edch probl\u00e9m\u016f.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jste finan\u010dn\u011b gramotn\u00ed?","item":"https:\/\/www.tekra.cz\/jste-financne-gramotni\/#breadcrumbitem"}]}]