[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.datop.cz\/financni-gramotnost-pro-deti-i-dospele\/#Article","mainEntityOfPage":"https:\/\/www.datop.cz\/financni-gramotnost-pro-deti-i-dospele\/","headline":"Finan\u010dn\u00ed gramotnost pro d\u011bti i dosp\u011bl\u00e9","name":"Finan\u010dn\u00ed gramotnost pro d\u011bti i dosp\u011bl\u00e9","description":"Finan\u010dn\u00ed gramotnost nen\u00ed samoz\u0159ejmost\u00ed, ne ka\u017ed\u00fd z n\u00e1s zvl\u00e1d\u00e1 sv\u00e9 finance spravovat tak jak by m\u011bl. P\u0159in\u00e1\u0161\u00edme v\u00e1m z\u00e1kladn\u00ed pravidla … ","datePublished":"2021-06-12","dateModified":"2021-06-12","author":{"@type":"Person","@id":"https:\/\/www.datop.cz\/author\/#Person","name":"","url":"https:\/\/www.datop.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"datop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.datop.cz\/wp-content\/uploads\/pen%C3%ADze_10_2.jpg","url":"https:\/\/www.datop.cz\/wp-content\/uploads\/pen%C3%ADze_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.datop.cz\/financni-gramotnost-pro-deti-i-dospele\/","about":["V\u00fdrobky"],"wordCount":440,"articleBody":"   Finan\u010dn\u00ed gramotnost nen\u00ed samoz\u0159ejmost\u00ed, ne ka\u017ed\u00fd z n\u00e1s zvl\u00e1d\u00e1 sv\u00e9 finance spravovat tak jak by m\u011bl. P\u0159in\u00e1\u0161\u00edme v\u00e1m z\u00e1kladn\u00ed pravidla pro pr\u00e1ci s pen\u011bzi, kter\u00e9 byste m\u011bli dodr\u017eovat aby jste na tom s financemi byli l\u00e9pe. P\u0159edev\u0161\u00edm je pot\u0159eba nad t\u00edm trochu p\u0159em\u00fd\u0161letVelice d\u016fle\u017eit\u00e9 je srovnat si p\u0159\u00edjmy a v\u00fddaje dom\u00e1cnosti. V\u00fddaje by nikdy nem\u011bly p\u0159evy\u0161ovat p\u0159\u00edjmy. Pokud tomu tak je, pak mus\u00edte v\u00fddaje dom\u00e1cnosti velice rychle sn\u00ed\u017eit, abyste se nedost\u00e1vali do finan\u010dn\u00edho deficitu. Pokud se do deficitu dost\u00e1v\u00e1te st\u00e1le, pak je na \u010dase bu\u010f zv\u00fd\u0161it p\u0159\u00edjmy dom\u00e1cnosti, nebo sn\u00ed\u017eit v\u00fddaje a naj\u00edt t\u0159eba levn\u011bj\u0161\u00ed bydlen\u00ed. Nejhor\u0161\u00ed varianta je nah\u00e1n\u011bt finan\u010dn\u00ed deficit p\u016fj\u010dkami. Pokud toti\u017e nem\u00e1te na b\u011b\u017en\u00fd provoz dom\u00e1cnosti, pak je naprost\u00fd nesmysl br\u00e1t si dal\u0161\u00ed p\u016fj\u010dky, kter\u00e9 budou va\u0161e v\u00fddaje jen zvy\u0161ovat.Pokud p\u0159em\u00fd\u0161l\u00edte o nov\u00e9m zam\u011bstn\u00e1n\u00ed a neum\u00edte si spo\u010d\u00edtat, kolik pot\u0159ebujete br\u00e1t, abyste v pohod\u011b vy\u0161li, pak si jednodu\u0161e na kalkula\u010dce spo\u010d\u00edtejte, kolik bude \u010dist\u00e9 mzdy z hrub\u00e9 a pot\u00e9 se\u010dt\u011bte v\u0161echny v\u00fddaje dom\u00e1cnosti + p\u0159i\u010dt\u011bte n\u011bco na u\u0161et\u0159en\u00ed rezervy. Spo\u010d\u00edtat \u010distou mzdu v\u00e1m pom\u016f\u017ee kalkula\u010dka. \u010cist\u00e1 mzda mus\u00ed b\u00fdt vy\u0161\u0161\u00ed, ne\u017e druh\u00e1 \u010d\u00e1stka, jen tak se nedostanete zase do deficitu.Pokud m\u00e1te u\u017e v sou\u010dasn\u00e9 dob\u011b p\u016fj\u010dky, kter\u00e9 nejste schopni spl\u00e1cet, pak se jednodu\u0161e obra\u0165te na ob\u010danskou poradnu, kde v\u00e1m pom\u016f\u017eou t\u0159eba s insolven\u010dn\u00edm \u0159\u00edzen\u00edm. Insolvence v\u00e1m m\u016f\u017ee velice pomoci, p\u0159edev\u0161\u00edm ve chv\u00edli, kdy u\u017e opravdu v\u00edte, \u017ee a\u0165 ud\u011bl\u00e1te cokoli, tak sv\u00fdm z\u00e1vazk\u016fm nedok\u00e1\u017eete dost\u00e1t. Nebojte se obr\u00e1tit na pomoc.Finan\u010dn\u00ed gramotnosti by se m\u011bly u\u010dit i d\u011bti, jednou toti\u017e tak\u00e9 budou dosp\u011bl\u00ed a budou disponovat sv\u00fdmi vlastn\u00edmi financemi. Ide\u00e1ln\u00ed je poskytnou d\u011btem ur\u010dit\u00fd obnos pen\u011bz pravideln\u011b, t\u0159eba ka\u017ed\u00fd m\u011bs\u00edc a nechat je, aby s nimi nalo\u017eili dle sv\u00e9ho. Jednodu\u0161e tak nau\u010d\u00edte d\u011bti nakl\u00e1dat se sv\u00fdmi financemi, ale v p\u0159\u00edpad\u011b \u017ee je utrat\u00ed, pak maj\u00ed prost\u011b sm\u016flu.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost pro d\u011bti i dosp\u011bl\u00e9","item":"https:\/\/www.datop.cz\/financni-gramotnost-pro-deti-i-dospele\/#breadcrumbitem"}]}]