[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.1cory.cz\/aby-vas-dluhy-nestahly-ke-dnu\/#Article","mainEntityOfPage":"https:\/\/www.1cory.cz\/aby-vas-dluhy-nestahly-ke-dnu\/","headline":"Aby v\u00e1s dluhy nest\u00e1hly ke dnu","name":"Aby v\u00e1s dluhy nest\u00e1hly ke dnu","description":"Na\u0161inci se velice \u010dasto a rovn\u011b\u017e ochotn\u011b zadlu\u017euj\u00ed. P\u016fj\u010duj\u00ed si pen\u00edze, od koho se jenom n\u011bco p\u016fj\u010dit d\u00e1, a n\u00e1sledn\u011b \u017eij\u00ed na dluh. A nejednou nad pom\u011bry. Bodej\u0165 by tak tak\u00e9 ne\u010dinili, \u017ee? Kdy\u017e je reklama ze v\u0161ech m\u00e9di\u00ed neust\u00e1le bombarduje v\u0161emi t\u011bmi \u00fadajn\u011b v\u00fdhodn\u00fdmi, snadno zvladateln\u00fdmi, prost\u011b dokonal\u00fdmi p\u016fj\u010dkami, hypot\u00e9kami, \u00fav\u011bry a spl\u00e1tkov\u00fdm prodejem, a doposud plat\u00ed a z\u0159ejm\u011b nikdy platit nep\u0159estane, \u017ee \u201astokr\u00e1t opakovan\u00e1 le\u017e se st\u00e1v\u00e1 pravdou\u2018. \u010ce\u0161i se tak nejednou chovaj\u00ed vysloven\u011b impulzivn\u011b. Nam\u00edsto toho, aby si na n\u011bco roky \u0161et\u0159ili, si toto jednodu\u0161e vezmou na \u00fav\u011br nebo si chyb\u011bj\u00edc\u00ed pen\u00edze p\u016fj\u010d\u00ed s t\u00edm, \u017ee to budou spl\u00e1cet. Ov\u0161em a\u017e p\u0159\u00edli\u0161 \u010dasto nedomysl\u00ed d\u016fsledky tohoto sv\u00e9ho po\u010d\u00edn\u00e1n\u00ed, nedoch\u00e1z\u00ed jim nebo si necht\u011bj\u00ed p\u0159ipustit, \u017ee p\u016fj\u010dit si je snadn\u00e9, ale vr\u00e1tit p\u016fj\u010den\u00e9 u\u017e tak p\u0159\u00edjemn\u00e9 b\u00fdt nemus\u00ed a tak\u00e9 \u010dasto nen\u00ed. A p\u016fj\u010den\u00e9 pen\u00edze se vr\u00e1tit mus\u00ed. Bez diskus\u00ed. Jen\u017ee co d\u011blat, pokud se \u010dlov\u011bku nedost\u00e1v\u00e1 na takov\u00e9 spl\u00e1cen\u00ed pen\u011bz?Na to lid\u00e9 p\u0159ed vzet\u00edm si p\u016fj\u010dky \u010dasto ani na chv\u00edli nepomysl\u00ed. Prost\u011b \u201ato n\u011bjak dopadne\u2018, mysl\u00ed si. A ono to nakonec tak\u00e9 v\u017edy n\u011bjak dopadne; ov\u0161em ne v\u017edy dob\u0159e. A tud\u00ed\u017e a pak na to v mnoha p\u0159\u00edpadech tvrd\u011b dopl\u00e1cej\u00ed. A nejednou nakonec skon\u010d\u00ed i v rukou exekutor\u016f a bez prost\u0159edk\u016f na ulici. Jenom proto, \u017ee se odm\u00edtli zaob\u00edrat t\u00edm, zda skute\u010dn\u011b pot\u0159ebuj\u00ed to, na co si p\u016fj\u010dku berou, a zda to tak\u00e9 budou schopni splatit. Na za\u010d\u00e1tku si tak kupuj\u00ed i luxusn\u00ed zbo\u017e\u00ed a dovolen\u00e9, na konci pak nemaj\u00ed ani na z\u00e1kladn\u00ed potraviny a jakoukoliv st\u0159echu nad hlavou aspo\u0148 v m\u00edst\u011b sv\u00e9ho dosavadn\u00edho bydli\u0161t\u011b. A co by m\u011bl \u010dlov\u011bk ud\u011blat, aby ho toto nepotkalo? 1) M\u011bl by m\u00edt p\u0159ehled o sv\u00fdch financ\u00edch. Vid\u011bt, kolik vyd\u011bl\u00e1v\u00e1 a kolik utr\u00e1c\u00ed, a po\u010d\u00edtat i s n\u011bjak\u00fdmi t\u011bmi dosta\u010duj\u00edc\u00edmi rezervami pro p\u0159\u00edpad ne\u010dekan\u00fdch v\u00fddaj\u016f. A teprve pak uva\u017eovat o tom, zda je v jeho sil\u00e1ch spl\u00e1cet i n\u011bjakou p\u016fj\u010dku. 2) M\u011bl by sv\u00e9 hospoda\u0159en\u00ed sledovat a hledat v n\u011bm p\u0159\u00edpadn\u00e9 rezervy, tedy v\u00fddaje, bez kter\u00fdch by se dalo obej\u00edt. 3) M\u011bl by si tvo\u0159it rezervy, tedy \u00faspory, je\u017e by bylo mo\u017eno pou\u017e\u00edt v p\u0159\u00edpad\u011b nouze. Kter\u00e1 m\u016f\u017ee potkat kdykoliv kohokoliv. Takov\u00e1 rezerva by m\u011bla \u00fadajn\u011b dosahovat aspo\u0148 trojn\u00e1sobku m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f dom\u00e1cnosti. 4) Rezerva by mohla b\u00fdt p\u0159\u00edpadn\u011b nahrazena i kontokorentem nebo kreditn\u00ed kartou, zde je ale t\u0159eba myslet na to, \u017ee tu jde o ciz\u00ed pen\u00edze, je\u017e sice lze pou\u017e\u00edvat, ale je t\u0159eba je i \u0159\u00e1dn\u011b vracet. 5) A nejlep\u0161\u00ed je si v\u016fbec na nic nep\u016fj\u010dovat. Proto\u017ee jen v tom p\u0159\u00edpad\u011b m\u00e1 \u010dlov\u011bk jistotu, \u017ee sice nem\u00e1 bohat\u00fd \u017eivot, ale ani nehroz\u00ed, \u017ee si kv\u016fli dluh\u016fm sv\u016fj \u017eivot zni\u010d\u00ed. 4.7\/5 - (12 votes)","datePublished":"2019-03-27","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.1cory.cz\/author\/#Person","name":"","url":"https:\/\/www.1cory.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b822bed19dfbc78d1cf42b3649cc2489d12c54b7aef64ae719c01ed9f13d563?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"1cory.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.1cory.cz\/wp-content\/uploads\/img_a340363_w2774_t1553271454.jpg","url":"https:\/\/www.1cory.cz\/wp-content\/uploads\/img_a340363_w2774_t1553271454.jpg","height":0,"width":0},"url":"https:\/\/www.1cory.cz\/aby-vas-dluhy-nestahly-ke-dnu\/","about":["Pen\u00edze"],"wordCount":587,"articleBody":"Na\u0161inci se velice \u010dasto a rovn\u011b\u017e ochotn\u011b zadlu\u017euj\u00ed. P\u016fj\u010duj\u00ed si pen\u00edze, od koho se jenom n\u011bco p\u016fj\u010dit d\u00e1, a n\u00e1sledn\u011b \u017eij\u00ed na dluh. A nejednou nad pom\u011bry. Bodej\u0165 by tak tak\u00e9 ne\u010dinili, \u017ee? Kdy\u017e je reklama ze v\u0161ech m\u00e9di\u00ed neust\u00e1le bombarduje v\u0161emi t\u011bmi \u00fadajn\u011b v\u00fdhodn\u00fdmi, snadno zvladateln\u00fdmi, prost\u011b dokonal\u00fdmi p\u016fj\u010dkami, hypot\u00e9kami, \u00fav\u011bry a spl\u00e1tkov\u00fdm prodejem, a doposud plat\u00ed a z\u0159ejm\u011b nikdy platit nep\u0159estane, \u017ee \u201astokr\u00e1t opakovan\u00e1 le\u017e se st\u00e1v\u00e1 pravdou\u2018. \u010ce\u0161i se tak nejednou chovaj\u00ed vysloven\u011b impulzivn\u011b. Nam\u00edsto toho, aby si na n\u011bco roky \u0161et\u0159ili, si toto jednodu\u0161e vezmou na \u00fav\u011br nebo si chyb\u011bj\u00edc\u00ed pen\u00edze p\u016fj\u010d\u00ed s t\u00edm, \u017ee to budou spl\u00e1cet. Ov\u0161em a\u017e p\u0159\u00edli\u0161 \u010dasto nedomysl\u00ed d\u016fsledky tohoto sv\u00e9ho po\u010d\u00edn\u00e1n\u00ed, nedoch\u00e1z\u00ed jim nebo si necht\u011bj\u00ed p\u0159ipustit, \u017ee p\u016fj\u010dit si je snadn\u00e9, ale vr\u00e1tit p\u016fj\u010den\u00e9 u\u017e tak p\u0159\u00edjemn\u00e9 b\u00fdt nemus\u00ed a tak\u00e9 \u010dasto nen\u00ed. A p\u016fj\u010den\u00e9 pen\u00edze se vr\u00e1tit mus\u00ed. Bez diskus\u00ed. Jen\u017ee co d\u011blat, pokud se \u010dlov\u011bku nedost\u00e1v\u00e1 na takov\u00e9 spl\u00e1cen\u00ed pen\u011bz?Na to lid\u00e9 p\u0159ed vzet\u00edm si p\u016fj\u010dky \u010dasto ani na chv\u00edli nepomysl\u00ed. Prost\u011b \u201ato n\u011bjak dopadne\u2018, mysl\u00ed si. A ono to nakonec tak\u00e9 v\u017edy n\u011bjak dopadne; ov\u0161em ne v\u017edy dob\u0159e. A tud\u00ed\u017e a pak na to v mnoha p\u0159\u00edpadech tvrd\u011b dopl\u00e1cej\u00ed. A nejednou nakonec skon\u010d\u00ed i v rukou exekutor\u016f a bez prost\u0159edk\u016f na ulici. Jenom proto, \u017ee se odm\u00edtli zaob\u00edrat t\u00edm, zda skute\u010dn\u011b pot\u0159ebuj\u00ed to, na co si p\u016fj\u010dku berou, a zda to tak\u00e9 budou schopni splatit. Na za\u010d\u00e1tku si tak kupuj\u00ed i luxusn\u00ed zbo\u017e\u00ed a dovolen\u00e9, na konci pak nemaj\u00ed ani na z\u00e1kladn\u00ed potraviny a jakoukoliv st\u0159echu nad hlavou aspo\u0148 v m\u00edst\u011b sv\u00e9ho dosavadn\u00edho bydli\u0161t\u011b. A co by m\u011bl \u010dlov\u011bk ud\u011blat, aby ho toto nepotkalo? 1) M\u011bl by m\u00edt p\u0159ehled o sv\u00fdch financ\u00edch. Vid\u011bt, kolik vyd\u011bl\u00e1v\u00e1 a kolik utr\u00e1c\u00ed, a po\u010d\u00edtat i s n\u011bjak\u00fdmi t\u011bmi dosta\u010duj\u00edc\u00edmi rezervami pro p\u0159\u00edpad ne\u010dekan\u00fdch v\u00fddaj\u016f. A teprve pak uva\u017eovat o tom, zda je v jeho sil\u00e1ch spl\u00e1cet i n\u011bjakou p\u016fj\u010dku. 2) M\u011bl by sv\u00e9 hospoda\u0159en\u00ed sledovat a hledat v n\u011bm p\u0159\u00edpadn\u00e9 rezervy, tedy v\u00fddaje, bez kter\u00fdch by se dalo obej\u00edt. 3) M\u011bl by si tvo\u0159it rezervy, tedy \u00faspory, je\u017e by bylo mo\u017eno pou\u017e\u00edt v p\u0159\u00edpad\u011b nouze. Kter\u00e1 m\u016f\u017ee potkat kdykoliv kohokoliv. Takov\u00e1 rezerva by m\u011bla \u00fadajn\u011b dosahovat aspo\u0148 trojn\u00e1sobku m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f dom\u00e1cnosti. 4) Rezerva by mohla b\u00fdt p\u0159\u00edpadn\u011b nahrazena i kontokorentem nebo kreditn\u00ed kartou, zde je ale t\u0159eba myslet na to, \u017ee tu jde o ciz\u00ed pen\u00edze, je\u017e sice lze pou\u017e\u00edvat, ale je t\u0159eba je i \u0159\u00e1dn\u011b vracet. 5) A nejlep\u0161\u00ed je si v\u016fbec na nic nep\u016fj\u010dovat. Proto\u017ee jen v tom p\u0159\u00edpad\u011b m\u00e1 \u010dlov\u011bk jistotu, \u017ee sice nem\u00e1 bohat\u00fd \u017eivot, ale ani nehroz\u00ed, \u017ee si kv\u016fli dluh\u016fm sv\u016fj \u017eivot zni\u010d\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Aby v\u00e1s dluhy nest\u00e1hly ke dnu","item":"https:\/\/www.1cory.cz\/aby-vas-dluhy-nestahly-ke-dnu\/#breadcrumbitem"}]}]