[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.marcs.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.marcs.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"Jak jste na tom finan\u010dn\u011b? Mysl\u00edte si, \u017ee jste na tom finan\u010dn\u011b dob\u0159e? Pokud ano, tak je to jedin\u011b dob\u0159e. Mnoho lid\u00ed pr\u00e1v\u011b \u0159\u00edk\u00e1, \u017ee\u00a0na tom finan\u010dn\u011b nejsou dob\u0159e, ale kdy\u017e se tak potom zamysl\u00ed, tak zjist\u00ed, \u017ee finan\u010dn\u011b na tom dob\u0159e jsou. Sta\u010d\u00ed jenom, aby lid\u00e9 tak\u00e9 um\u011bli hospoda\u0159it s pen\u011bzi. Proto\u017ee opravdu je […]","datePublished":"2024-01-30","dateModified":"2024-01-30","author":{"@type":"Person","@id":"https:\/\/www.marcs.cz\/author\/#Person","name":"","url":"https:\/\/www.marcs.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"marcs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.marcs.cz\/wp-content\/uploads\/poverty-4561704_1280_5.jpg","url":"https:\/\/www.marcs.cz\/wp-content\/uploads\/poverty-4561704_1280_5.jpg","height":0,"width":0},"url":"https:\/\/www.marcs.cz\/financni-gramotnost\/","about":["Pen\u00edze"],"wordCount":490,"articleBody":"Jak jste na tom finan\u010dn\u011b? Mysl\u00edte si, \u017ee jste na tom finan\u010dn\u011b dob\u0159e? Pokud ano, tak je to jedin\u011b dob\u0159e. Mnoho lid\u00ed pr\u00e1v\u011b \u0159\u00edk\u00e1, \u017ee\u00a0na tom finan\u010dn\u011b nejsou dob\u0159e, ale kdy\u017e se tak potom zamysl\u00ed, tak zjist\u00ed, \u017ee finan\u010dn\u011b na tom dob\u0159e jsou. Sta\u010d\u00ed jenom, aby lid\u00e9 tak\u00e9 um\u011bli hospoda\u0159it s pen\u011bzi. Proto\u017ee opravdu je hodn\u011b m\u00e1lo lid\u00ed, kte\u0159\u00ed um\u00ed hospoda\u0159it s pen\u011bzi. N\u011bkdy bohu\u017eel, to je takov\u00e9, \u017ee lidem, kdy\u017e p\u0159ijde v\u00fdplata, \u017ee j\u00ed ihned rozpr\u00e1\u0161\u00ed, \u017ee si nakoup\u00ed opravdu v\u0161echno, co cht\u011bj\u00ed. A potom t\u0159eba posledn\u00ed t\u0159i\u00a0t\u00fddny p\u0159ed v\u00fdplatou u\u017e nemaj\u00ed pen\u00edze. Ur\u010dit\u011b zn\u00e1te n\u011bkter\u00e9 po\u0159ady v televizi, kde se vym\u011bn\u00ed man\u017eelky a tam t\u0159eba n\u011bkdy se dokonce i h\u00e1daj\u00ed, \u017ee v\u016fbec nemaj\u00ed finance na veden\u00ed dom\u00e1cnosti. To je od toho, aby lid\u00e9 tak\u00e9 um\u011bli finan\u010dn\u011b p\u0159em\u00fd\u0161let, finan\u010dn\u00ed zp\u016fsobilost, finan\u010dn\u00ed gramotnost. J\u00e1 si mysl\u00edm, \u017ee d\u011bti u\u017e t\u0159eba v p\u00e1t\u00e9\u00a0t\u0159\u00edd\u011b by se m\u011bly u\u010dit finan\u010dn\u00ed gramotnosti. To znamen\u00e1, aby d\u011bti v\u011bd\u011bly, jak \u0161et\u0159it anebo jak tak\u00e9 zach\u00e1zet s financemi. Je to opravdu hodn\u011b slo\u017eit\u00e9 a mysl\u00edm si, \u017ee kdyby lid\u00e9 um\u011bli od\u00a0\u00fatl\u00e9ho ml\u00e1d\u00ed hospoda\u0159\u00edte s pen\u011bzi, \u017ee by t\u0159eba ani nebylo tolik zadlu\u017een\u00fdch lid\u00ed. Proto si mysl\u00edm, \u017ee nejlep\u0161\u00ed je, kdy\u017e se budete u\u010dit opravdu co nejl\u00e9pe. M\u016f\u017eete t\u0159eba tak\u00e9 nav\u0161t\u011bvovat n\u011bjak\u00e9 \u0161koly anebo n\u011bjak\u00e9 kurzy, kde v\u00e1s nau\u010d\u00ed\u00a0finan\u010dn\u011b p\u0159em\u00fd\u0161let. Kdybyste se zeptali\u00a0m\u011b, jestli s financemi vych\u00e1z\u00edm, tak j\u00e1 bych v\u00e1m odpov\u011bd\u011bla, \u017ee ano, \u017ee s financemi opravdu skv\u011ble vych\u00e1z\u00edm. J\u00e1 toti\u017e um\u00edm \u0161et\u0159it a ne, \u017ee bych brala n\u011bjak\u00e9 pen\u00edze extra velik\u00e9. Tohle tedy v\u016fbec ne. J\u00e1 m\u00e1m takovou pr\u016fm\u011brnou v\u00fdplatu, ale tak\u00e9 dok\u00e1\u017ei\u00a0z toho u\u0161et\u0159it pen\u00edze. Mysl\u00edm si, \u017ee ka\u017ed\u00fd \u010dlov\u011bk by si m\u011bl d\u00e1vat alespo\u0148 deset procent\u00a0z v\u00fdplaty bokem, a to pro p\u0159\u00edpad nouze. T\u0159eba mu vypadne hlavn\u00ed p\u0159\u00edjem, t\u0159eba ho propust\u00ed nebo bude m\u00edt n\u011bjak\u00fd \u00faraz a t\u0159eba del\u0161\u00ed dobu nebude moct chodit do pr\u00e1ce. Tak se v\u017edycky n\u011bjak\u00e1 ta finan\u010dn\u00ed rezerva hod\u00ed. Nezn\u00e1m nikoho, kdo by mi \u0159ekl, \u017ee by se mu finan\u010dn\u00ed rezerva v\u016fbec nehodila. V\u00edm, \u017ee pen\u00edze jsou d\u016fle\u017eit\u00e9, ale tak\u00e9 v\u00edm, \u017ee pen\u00edze nejsou v\u0161echno, pro n\u011bkoho ale pen\u00edze jsou v\u017edy na prvn\u00edm m\u00edst\u011b.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.marcs.cz\/financni-gramotnost\/#breadcrumbitem"}]}]