[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fitlena.cz\/jak-na-financni-jistotu\/#Article","mainEntityOfPage":"https:\/\/www.fitlena.cz\/jak-na-financni-jistotu\/","headline":"Jak na finan\u010dn\u00ed jistotu","name":"Jak na finan\u010dn\u00ed jistotu","description":"A\u0165 chceme, nebo ne, pen\u00edze jsou z\u00e1sadn\u00ed v\u011bc. Z\u00edskat je nen\u00ed v\u017edy snadn\u00e9, ale utratit je dok\u00e1\u017ee ka\u017ed\u00fd. Finan\u010dn\u00ed.","datePublished":"2021-11-20","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.fitlena.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fitlena.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fitlena.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fitlena.cz\/wp-content\/uploads\/wallet-g1444110b8_640.jpg","url":"https:\/\/www.fitlena.cz\/wp-content\/uploads\/wallet-g1444110b8_640.jpg","height":0,"width":0},"url":"https:\/\/www.fitlena.cz\/jak-na-financni-jistotu\/","about":["Pen\u00edze"],"wordCount":690,"articleBody":"       A\u0165 chceme, nebo ne, pen\u00edze jsou z\u00e1sadn\u00ed v\u011bc. Z\u00edskat je nen\u00ed v\u017edy snadn\u00e9, ale utratit je dok\u00e1\u017ee ka\u017ed\u00fd. Finan\u010dn\u00ed gramotnost nen\u00ed u mnoha z n\u00e1s na dostate\u010dn\u00e9 \u00farovni a proto mnohdy p\u0159e\u017e\u00edv\u00e1me takzvan\u011b z „ruky do huby“. Jak se nau\u010dit s pen\u011bzi vych\u00e1zet (a tak\u00e9 se s nimi vracet) ?Ud\u011blejte si ve financ\u00edch po\u0159\u00e1dekJak\u00e9 jsou va\u0161e p\u0159\u00edjmy jist\u011b v\u00edte. M\u00e1te v\u0161ak dostate\u010dn\u00fd p\u0159ehled o sv\u00fdch v\u00fddaj\u00edch? Zkuste si to sepsat.1. Nejprve si se\u010dt\u011bte z\u00e1kladn\u00ed m\u011bs\u00ed\u010dn\u00ed v\u00fddaje – to, co se v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc strh\u00e1v\u00e1 z \u00fa\u010dtu. Energie, n\u00e1jem, spl\u00e1tky, p\u0159\u00edsp\u011bvek na poji\u0161t\u011bn\u00ed., \u0161koln\u00e9 d\u011bt\u00ed, jejich ob\u011bdy. Na t\u011bchto v\u011bcech u\u0161et\u0159\u00edte jen t\u011b\u017eko. M\u016f\u017eete si sehnat levn\u011bj\u0161\u00ed n\u00e1jem, pokud to jde, ale to je asi tak v\u0161e, co s t\u00edm ud\u011bl\u00e1te.2. Pot\u00e9 se\u010dt\u011bte v\u00fddaje ostatn\u00ed. Benz\u00edn, n\u00e1v\u0161t\u011bvy salon\u016f (kade\u0159nice atd), n\u00e1kup potravin a prost\u0159edk\u016f do dom\u00e1cnosti, n\u00e1kup oble\u010den\u00ed, n\u00e1v\u0161t\u011bvy kulturn\u00edch akc\u00ed, krou\u017eky pro d\u011bti, cena internetu a tarifu. Zde u\u017e by se n\u011bco u\u0161et\u0159it dalo.3. Nakonec jsou zde jednor\u00e1zov\u00e9, ne\u010dekan\u00e9 a nebo ob\u010dasn\u00e9 v\u00fddaje. Oprava auta, n\u00e1kup vybaven\u00ed do dom\u00e1cnosti, dovolen\u00e1.M\u00e1te-li jasno v tom, kolik m\u011bs\u00ed\u010dn\u011b zhruba utrat\u00edte, porovnejte to s p\u0159\u00edjmy. \u017de je to na knap? Nebo se \u010dasto dost\u00e1v\u00e1te do m\u00ednusu? Zkuste s t\u00edm n\u011bco d\u011blat.Za\u010dn\u011bte \u0161et\u0159it a sni\u017ete sv\u00e9 v\u00fddajeA\u010dkoliv m\u00e1te pocit, \u017ee se p\u0159\u00edli\u0161 nerozmazlujete, v\u017edy je kde ubrat. – u\u0161et\u0159it m\u016f\u017eete na n\u00e1kupu pohonn\u00fdch hmot. V\u017edy zva\u017ete, zda se v\u00e1m vyplat\u00ed jet tam \u010di onam automobilem, nebo zda m\u016f\u017eete vyu\u017e\u00edt jinou mo\u017enost, jako t\u0159eba sd\u00edlenou j\u00edzdu, j\u00edzdu na kole, nebo p\u011b\u0161\u00ed ch\u016fzi.– n\u00e1v\u0161t\u011bvy salon\u016f. Samoz\u0159ejm\u011b je d\u016fle\u017eit\u00e9 o sebe pe\u010dovat, ale pokud na to nem\u00e1me, m\u011bli bychom se tro\u0161ku uskromnit. Nen\u00ed nutn\u00e9 nechat ka\u017ed\u00fd m\u011bs\u00edc 1000K\u010d za kade\u0159nici, nosit drah\u00e9 um\u011bl\u00e9 nehty a slunit se v sol\u00e1riu.– co se potravin t\u00fd\u010de, nevyplat\u00ed se \u0161et\u0159it na kvalit\u011b. Ov\u0161em je d\u016fle\u017eit\u00e9 si uv\u011bdomit, kolik z toho co nakoup\u00edme nakonec skon\u010d\u00ed v odpadc\u00edch. Shnil\u00e9 raj\u010data, nedojeden\u00fd losos? Kupujte jen tolik, kolik pot\u0159ebujte a nau\u010dte se nakupovat v akc\u00edch. U dom\u00e1c\u00edch prost\u0159edk\u016f lze u\u0161et\u0159it rovn\u011b\u017e, proto\u017ee v\u011bt\u0161inu p\u0159edra\u017een\u00fdch p\u0159\u00edpravk\u016f hrav\u011b nahrad\u00edte octem, kyselinou citronovou a jedlou sodou. Stejn\u011b tak oble\u010den\u00ed, kter\u00e9 lze koupit jak z druh\u00e9 ruky, tak ve v\u00fdhodn\u00fdch akc\u00edch. Po dobu t\u0159\u00ed m\u011bs\u00edc\u016f si sepisujte ve\u0161ker\u00e9 va\u0161e v\u00fddaje a pot\u00e9 si to projd\u011bte. Bylo to v\u0161echno nutn\u00e9? Nebo se d\u00e1 p\u0159eci jen je\u0161t\u011b n\u011bco u\u0161et\u0159it?V p\u0159\u00edpad\u011b ne\u010dekan\u00e9ho, ale nutn\u00e9ho v\u00fddaje v\u0161ak \u010dlov\u011bk mus\u00ed hledat i jin\u00e9 \u0159e\u0161en\u00ed. A\u010dkoliv se \u0159\u00edk\u00e1, \u017ee m\u00e1me m\u00edt u\u0161et\u0159en\u00e9 alespo\u0148 t\u0159i m\u011bs\u00ed\u010dn\u00ed platy, ne v\u017edy je to pro n\u00e1s mo\u017en\u00e9. Kdy\u017e se pot\u00e9 rozbije pra\u010dka, ledni\u010dka, nebo p\u0159ijdeme o zdroj p\u0159\u00edjm\u016f, mus\u00edme jednat rychle. Z\u00edskat v\u0161ak bankovn\u00ed p\u016fj\u010dku nen\u00ed v\u017edy snadn\u00e9 a rychl\u00e9. V takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eeme za\u017e\u00e1dat o nebankovn\u00ed p\u016fj\u010dku, kterou lze vy\u0159\u00eddit rychleji a bez nesmysln\u00fdch po\u017eadavk\u016f. Takovou finan\u010dn\u00ed injekci nab\u00edz\u00ed nap\u0159\u00edklad Hypot\u00e9ky bez registru.A co vy? M\u00e1te v\u0161e, co pot\u0159ebujete?                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak na finan\u010dn\u00ed jistotu","item":"https:\/\/www.fitlena.cz\/jak-na-financni-jistotu\/#breadcrumbitem"}]}]