[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.elmaz.cz\/financni-tisen-vede-casto-k-nezodpovednemu-chovani\/#Article","mainEntityOfPage":"https:\/\/www.elmaz.cz\/financni-tisen-vede-casto-k-nezodpovednemu-chovani\/","headline":"Finan\u010dn\u00ed t\u00edse\u0148 vede \u010dasto k nezodpov\u011bdn\u00e9mu chov\u00e1n\u00ed","name":"Finan\u010dn\u00ed t\u00edse\u0148 vede \u010dasto k nezodpov\u011bdn\u00e9mu chov\u00e1n\u00ed","description":"Pen\u00edze nejsou \u0161patn\u00fdm n\u00e1strojem, k \u017eivotu je zkr\u00e1tka pot\u0159ebujeme, jen se mus\u00edme nau\u010dit s nimi l\u00e9pe hospoda\u0159it. Finan\u010dn\u00ed zodpov\u011bdnost se v p\u0159ede\u0161l\u00e9m re\u017eimu celkem podcenila a tak kdy\u017e se otev\u0159ely... ","datePublished":"2020-03-17","dateModified":"2020-03-17","author":{"@type":"Person","@id":"https:\/\/www.elmaz.cz\/author\/#Person","name":"","url":"https:\/\/www.elmaz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"elmaz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.elmaz.cz\/wp-content\/uploads\/pen%C3%ADze.jpg","url":"https:\/\/www.elmaz.cz\/wp-content\/uploads\/pen%C3%ADze.jpg","height":0,"width":0},"url":"https:\/\/www.elmaz.cz\/financni-tisen-vede-casto-k-nezodpovednemu-chovani\/","about":["Web"],"wordCount":452,"articleBody":"       Pen\u00edze nejsou \u0161patn\u00fdm n\u00e1strojem, k \u017eivotu je zkr\u00e1tka pot\u0159ebujeme, jen se mus\u00edme nau\u010dit s nimi l\u00e9pe hospoda\u0159it. Finan\u010dn\u00ed zodpov\u011bdnost se v p\u0159ede\u0161l\u00e9m re\u017eimu celkem podcenila a tak kdy\u017e se otev\u0159ely nov\u00e9 mo\u017enosti, jak si nakoupit produkty na spl\u00e1tky nebo uzav\u0159\u00edt smlouvu na v\u00fdhodnou kreditn\u00ed kartu, kde bude v\u017edy finan\u010dn\u00ed rezerva, tak bohu\u017eel mnoho lid\u00ed spadlo do pasti. Nab\u00eddky p\u0159irozen\u011b je\u0161t\u011b nejsou nic \u0161patn\u00e9ho a dokonce ani finan\u010dn\u00ed rezerva na \u00fa\u010dtu v podob\u011b kontokorentu \u010di kreditn\u00ed karty, kter\u00e1 m\u00e1 sv\u00e9 v\u00fdhody. Probl\u00e9m nast\u00e1v\u00e1 v bod\u011b, kdy neum\u00edme hospoda\u0159it s t\u00edmto obnosem a nedok\u00e1\u017eeme posoudit objektivn\u011b celou na\u0161i situaci. Mnohdy se toti\u017e do probl\u00e9m\u016f zapl\u00e9t\u00e1me sami a smy\u010dka se pouze a jen utahuje.Finan\u010dn\u00ed probl\u00e9my se mus\u00ed \u0159e\u0161itVytloukat kl\u00edn kl\u00ednem nen\u00ed ide\u00e1ln\u00ed jedn\u00e1n\u00ed, kter\u00fdm bychom m\u011bli \u0159e\u0161it n\u011bjak\u00e9 finan\u010dn\u00ed probl\u00e9my. To znamen\u00e1, vz\u00edt si novou p\u016fj\u010dku a zaplatit s n\u00ed tu, kter\u00e1 n\u00e1s ohro\u017euje. Mnohem pozd\u011bji se takov\u00e9to jedn\u00e1n\u00ed nevyplat\u00ed a pro n\u00e1s se za\u010d\u00ednaj\u00ed uzav\u00edrat mo\u017enosti, jak z finan\u010dn\u00ed pasti ven. \u010casto si pot\u00e9 pokl\u00e1d\u00e1me ot\u00e1zku, kde si p\u016fj\u010duj\u00ed lid\u00e9 v t\u00edsni, kdy\u017e jim banky nevyjdou vst\u0159\u00edc a lichv\u00e1\u0159i se jen t\u0159esou na jejich \u017eadon\u011bn\u00ed o pomoc. P\u0159es v\u0161echna \u00faskal\u00ed se p\u0159ece jenom d\u00e1 probl\u00e9m \u0159e\u0161it a tak\u00e9 by se k n\u011bmu m\u011blo p\u0159istoupit co nejd\u0159\u00edve, ne\u017e ho nechat doj\u00edt tak daleko, \u017ee v podstat\u011b p\u0159ijdeme \u00fapln\u011b o v\u0161echno. \u0158e\u0161en\u00ed nen\u00ed dalekoJe pravdou, \u017ee pokud nebude na\u0161e bonita dobr\u00e1, tak pro banky zrovna dobr\u00fdmi klienty nebudeme a tak\u00e9 zde nelze o\u010dek\u00e1vat n\u011bjakou pomoc. A\u010dkoliv, pokud bychom se zam\u011b\u0159ili na nebankovn\u00ed instituce, tak zde bychom mohli vyhr\u00e1t nad na\u0161\u00ed beznad\u011bjnost\u00ed a p\u0159\u00edpad na\u0161eho probl\u00e9mu zd\u00e1rn\u011b dov\u00e9st do konce. Znovu se nadechnout, pou\u010dit se z chyb, kter\u00e9 jsme ud\u011blali a za\u010d\u00edt nov\u00fd \u017eivot s \u010dist\u00fdm \u0161t\u00edtem. Vybrat si nebankovn\u00ed spole\u010dnost nen\u00ed \u0161patn\u00e9, dokonce podm\u00ednky jsou m\u00edrn\u011bj\u0161\u00ed, ne\u017e u samotn\u00e9 banky a s \u00faroky se v podstat\u011b ob\u011b dv\u011b strany vyrovnaj\u00ed. Pro\u010d potom nep\u0159ijmout jejich nab\u00edzenou pomoc? Pokud budeme dodr\u017eovat podm\u00ednky, kter\u00e9 jsme uzav\u0159eli ve smlouv\u011b, tak nen\u00ed pot\u0159eba se ni\u010deho ob\u00e1vat.                                                                                                                                                                                                                                                                                                                                                                                           3.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed t\u00edse\u0148 vede \u010dasto k nezodpov\u011bdn\u00e9mu chov\u00e1n\u00ed","item":"https:\/\/www.elmaz.cz\/financni-tisen-vede-casto-k-nezodpovednemu-chovani\/#breadcrumbitem"}]}]