[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.voshk.cz\/jak-jsme-na-tom-s-financni-gramotnosti\/#Article","mainEntityOfPage":"https:\/\/www.voshk.cz\/jak-jsme-na-tom-s-financni-gramotnosti\/","headline":"Jak jsme na tom s finan\u010dn\u00ed gramotnost\u00ed","name":"Jak jsme na tom s finan\u010dn\u00ed gramotnost\u00ed","description":"O nutnosti zlep\u0161en\u00ed finan\u010dn\u00ed gramotnosti se neust\u00e1le p\u00ed\u0161e v m\u00e9di\u00edch, zab\u00fdvaj\u00ed se finan\u010dn\u00ed poradci, velk\u00e9 spole\u010dnosti i neziskov\u00e9 organizace. M\u016f\u017eeme ji rozd\u011blit na dv\u011b \u010d\u00e1sti. Jedn\u00e1 se o n\u00e1vyk nebo z\u00edskanou dovednost pl\u00e1novat d\u016fle\u017eit\u00e9 \u017eivotn\u00ed kroky a p\u0159ipravit se na n\u011b. Zde hovo\u0159\u00edme o dovolen\u00e9, po\u0159\u00edzen\u00ed auta, vlastn\u00edho nebo t\u0159eba zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed. V\u00a0z\u00e1sad\u011b jde...","datePublished":"2020-01-03","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.voshk.cz\/author\/#Person","name":"","url":"https:\/\/www.voshk.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f3afbcba6a2c855138f9932fa7e5ab7d93bdcdef3da88e8b7e3a89881e43e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"voshk.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.voshk.cz\/wp-content\/uploads\/img_a366779_w4277_t1579374141.jpg","url":"https:\/\/www.voshk.cz\/wp-content\/uploads\/img_a366779_w4277_t1579374141.jpg","height":0,"width":0},"url":"https:\/\/www.voshk.cz\/jak-jsme-na-tom-s-financni-gramotnosti\/","about":["Finance"],"wordCount":406,"articleBody":"O nutnosti zlep\u0161en\u00ed finan\u010dn\u00ed gramotnosti se neust\u00e1le p\u00ed\u0161e v m\u00e9di\u00edch, zab\u00fdvaj\u00ed se finan\u010dn\u00ed poradci, velk\u00e9 spole\u010dnosti i neziskov\u00e9 organizace.\tM\u016f\u017eeme ji rozd\u011blit na dv\u011b \u010d\u00e1sti. Jedn\u00e1 se o n\u00e1vyk nebo z\u00edskanou dovednost pl\u00e1novat d\u016fle\u017eit\u00e9 \u017eivotn\u00ed kroky a p\u0159ipravit se na n\u011b. Zde hovo\u0159\u00edme o dovolen\u00e9, po\u0159\u00edzen\u00ed auta, vlastn\u00edho nebo t\u0159eba zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed. V\u00a0z\u00e1sad\u011b jde o to, abychom m\u011bli rodinn\u00fd rozpo\u010det pod kontrolou v\u00a0ka\u017ed\u00e9 \u017eivotn\u00ed f\u00e1zi. Ukazuje se, \u017ee to u v\u011bt\u0161iny rodin neplat\u00ed, proto\u017ee nemaj\u00ed \u017e\u00e1dn\u00e9 pravidlo, kter\u00fdm by se \u0159\u00eddili p\u0159i veden\u00ed rodinn\u00e9ho rozpo\u010dtu. Jako druhou sou\u010d\u00e1st je pot\u0159eba vid\u011bt znalost pojm\u016f a orientaci ve v\u00fdpo\u010dtech, spojen\u00fdch s\u00a0\u00fakony na finan\u010dn\u00edch trz\u00edch. Na finan\u010dn\u00ed gramotnost je t\u0159eba pohl\u00ed\u017eet komplexn\u011b, ani jedna z\u00a0jejich slo\u017eek nem\u016f\u017ee fungovat samostatn\u011b.\t\tNejv\u00edce pen\u011bz z\u00a0rodinn\u00fdch rozpo\u010dt\u016f unik\u00e1 tam, kde nen\u00ed \u017e\u00e1dn\u00e1 kontrola nad pohybem pen\u011bz, \u017e\u00e1dn\u00fd finan\u010dn\u00ed pl\u00e1n, lid\u00e9 se rozhoduj\u00ed impulzivn\u011b a uspokojuj\u00ed sv\u00e9 okam\u017eit\u00e9 pot\u0159eby, nakupuj\u00ed. Zku\u0161enosti ukazuj\u00ed, \u017ee neum\u00edme spo\u0159it. Nap\u0159\u00edklad mlad\u00ed lid\u00e9 po prvn\u00edm roce pr\u00e1ce nemaj\u00ed naspo\u0159eno v\u00edce ne\u017e n\u011bkolik tis\u00edc korun, p\u0159esto\u017ee jejich v\u00fddaje jsou mal\u00e9, proto\u017ee je\u0161t\u011b bydl\u00ed u rodi\u010d\u016f. Ale obdobn\u00fd probl\u00e9m je i u lid\u00ed star\u0161\u00edch, s\u00a0vy\u0161\u0161\u00edmi p\u0159\u00edjmy, kte\u0159\u00ed utr\u00e1cej\u00ed za nepot\u0159ebn\u00e9 v\u011bci.\t\tOpakem impulzivn\u00edho nakupov\u00e1n\u00ed je z\u00e1kladn\u00ed sebek\u00e1ze\u0148 a pl\u00e1nov\u00e1n\u00ed. Snad ka\u017ed\u00fd je schopen ud\u011blat si jednoduch\u00fd finan\u010dn\u00ed p\u0159ehled, kdy na jednu stranu d\u00e1 p\u0159\u00edjmy a na druhou v\u00fddaje a p\u0159\u00edpadn\u00e9 z\u00e1vazky. Na v\u00fddajovou stranu je vhodn\u00e9 p\u0159idat \u010d\u00e1stku na spo\u0159en\u00ed. Nen\u00ed-li tento finan\u010dn\u00ed pl\u00e1n v\u00a0rovnov\u00e1ze, je t\u0159eba to \u0159e\u0161it. Je to jednoduch\u00e9, bu\u010f zv\u00fd\u0161en\u00edm p\u0159\u00edjm\u016f, nebo sn\u00ed\u017een\u00edm v\u00fddaj\u016f tak, aby bylo rovnov\u00e1hy dosa\u017eeno. Je-li \u010dlov\u011bk v probl\u00e9mech, jist\u011b se m\u016f\u017ee poradit s\u00a0n\u011bk\u00fdm zku\u0161en\u011bj\u0161\u00edm ze sv\u00e9ho okol\u00ed, vyhledat odbornou pomoc finan\u010dn\u00edch poradc\u016f nebo n\u011bkter\u00e9 z\u00a0neziskov\u00fdch organizac\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak jsme na tom s finan\u010dn\u00ed gramotnost\u00ed","item":"https:\/\/www.voshk.cz\/jak-jsme-na-tom-s-financni-gramotnosti\/#breadcrumbitem"}]}]