[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mabico.cz\/jak-vyhrat-boj-s-financemi\/#Article","mainEntityOfPage":"https:\/\/www.mabico.cz\/jak-vyhrat-boj-s-financemi\/","headline":"Jak vyhr\u00e1t boj s financemi","name":"Jak vyhr\u00e1t boj s financemi","description":"Pokud jste i vy v\u00a0posledn\u00ed dob\u011b narazili na probl\u00e9my s\u00a0rozpo\u010dtem, nejsp\u00ed\u0161 je \u010das vyt\u00e1hnout kalkula\u010dku a osv\u011b\u017eit po\u010dt\u00e1\u0159sk\u00e9 znalosti ze z\u00e1kladn\u00ed \u0161koly. Kl\u00ed\u010dov\u00e9 je rozd\u011blen\u00ed va\u0161ich financ\u00ed \u2013 nejd\u0159\u00edve si ud\u011blejte obr\u00e1zek o va\u0161em p\u0159\u00edjmu a nutn\u00fdch v\u00fddaj\u00edch, potom kr\u00e1sn\u011b uvid\u00edte, kolik pen\u011bz v\u00e1m zb\u00fdv\u00e1 na milovan\u00e9 nakupov\u00e1n\u00ed. Jak m\u00e1m<a class=\"read-more\" href=\"https:\/\/www.mabico.cz\/jak-vyhrat-boj-s-financemi\/\"> ( more... )<\/a>","datePublished":"2020-03-06","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.mabico.cz\/author\/#Person","name":"","url":"https:\/\/www.mabico.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mabico.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mabico.cz\/wp-content\/uploads\/img_a373080_w4299_t1584598390.jpg","url":"https:\/\/www.mabico.cz\/wp-content\/uploads\/img_a373080_w4299_t1584598390.jpg","height":0,"width":0},"url":"https:\/\/www.mabico.cz\/jak-vyhrat-boj-s-financemi\/","about":["Finance"],"wordCount":594,"articleBody":"Pokud jste i vy v\u00a0posledn\u00ed dob\u011b narazili na probl\u00e9my s\u00a0rozpo\u010dtem, nejsp\u00ed\u0161 je \u010das vyt\u00e1hnout kalkula\u010dku a osv\u011b\u017eit po\u010dt\u00e1\u0159sk\u00e9 znalosti ze z\u00e1kladn\u00ed \u0161koly. Kl\u00ed\u010dov\u00e9 je rozd\u011blen\u00ed va\u0161ich financ\u00ed \u2013 nejd\u0159\u00edve si ud\u011blejte obr\u00e1zek o va\u0161em p\u0159\u00edjmu a nutn\u00fdch v\u00fddaj\u00edch, potom kr\u00e1sn\u011b uvid\u00edte, kolik pen\u011bz v\u00e1m zb\u00fdv\u00e1 na milovan\u00e9 nakupov\u00e1n\u00ed.Jak m\u00e1m za\u010d\u00edt?Nejd\u016fle\u017eit\u011bj\u0161\u00ed krok je ten prvn\u00ed \u2013 nejd\u0159\u00edve si zapi\u0161te, kolik pen\u011bz m\u011bs\u00ed\u010dn\u011b odv\u00e1d\u00edte za vodu, elekt\u0159inu a\u00a0plyn, tuto \u010d\u00e1stku ode\u010dt\u011bte od sv\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. D\u00e1le se zamyslete nad t\u00edm, kolik utr\u00e1c\u00edte za\u00a0b\u011b\u017enou stravu. Toto mno\u017estv\u00ed pen\u011bz tak\u00e9 strhn\u011bte. Nyn\u00ed p\u0159ed sebou m\u00e1te \u010d\u00e1stku, se kterou m\u016f\u017eete hospoda\u0159it tak, jak se v\u00e1m zl\u00edb\u00ed. Myslete v\u0161ak na to, \u017ee je dobr\u00e9 i \u010d\u00e1st t\u011bchto \u00faspor odlo\u017eit bokem \u2013 z\u00edsk\u00e1te tak jistotu pro nenad\u00e1l\u00e9 situace a m\u016f\u017eete z\u00e1rove\u0148 na n\u011bco \u0161et\u0159it.Jsem na mizin\u011b \u2013 co p\u016fj\u010dka?P\u016fj\u010dky jsou snad nejhor\u0161\u00edm \u201e\u0159e\u0161en\u00edm\u201c finan\u010dn\u00edch probl\u00e9m\u016f \u2013 banka v\u00e1m sl\u00edb\u00ed modr\u00e9 z nebe a vy u\u017e se nikdy nedoplat\u00edte. Proto dodr\u017eujte zlat\u00e9 pravidlo, \u017ee si p\u016fj\u010dujete pouze v\u00a0dob\u011b, kdy jste schopni p\u016fj\u010dku splatit. Tak\u017ee pokud nem\u00e1te na \u00fa\u010dtu ani korunu, p\u016fj\u010dka asi nebude nejlep\u0161\u00edm \u0159e\u0161en\u00edm. Jestli\u017ee jste tedy opravdu \u201ena nule\u201c, je \u010das obr\u00e1tit se na n\u011bkoho bl\u00edzk\u00e9ho (m\u016f\u017ee to b\u00fdt rodina nebo p\u0159\u00e1tel\u00e9) a po\u017e\u00e1dat o pomoc. Ale pozor, i t\u011bm nejbli\u017e\u0161\u00edm budete muset sv\u016fj dluh n\u011bkdy splatit. Rozd\u00edl mezi pomoc\u00ed od\u00a0zn\u00e1m\u00fdch a od banky je ten, \u017ee p\u0159\u00e1tel\u00e9 v\u00e1m nena\u00fa\u010dtuj\u00ed nesplatiteln\u00fd \u00farok a m\u00edsto p\u016fj\u010den\u00ed milionu na\u00a0\u00fa\u010dty za elekt\u0159inu v\u00e1s rad\u011bji vezmou na n\u011bjak\u00fd \u010das k\u00a0sob\u011b. Nav\u00edc v\u00e1m tak\u00e9 mohou poskytnout z\u00e1kladn\u00ed ment\u00e1ln\u00ed oporu, se kterou se z\u00a0probl\u00e9m\u016f vyhrabete daleko sn\u00e1z.Splatil jsem dluhy, co d\u00e1l?Pouh\u00fdm splacen\u00edm dluh\u016f pen\u011b\u017en\u00ed boj nekon\u010d\u00ed, naopak, jeho d\u016fle\u017eit\u00e1 \u010d\u00e1st teprve za\u010d\u00edn\u00e1. Po ka\u017ed\u00e9 bitv\u011b toti\u017e n\u00e1sleduje p\u0159\u00edprava na dal\u0161\u00ed bitvu. T\u00edm se rozum\u00ed zhodnocen\u00ed p\u0159edchoz\u00ed bitvy \u2013 jak jsem se do bitvy dostal? Jak jsem bojoval? Co jsem ud\u011blal \u0161patn\u011b? Co se mi naopak osv\u011bd\u010dilo? N\u00e1sleduje aplikov\u00e1n\u00ed poznatk\u016f do budoucna \u2013 co p\u0159\u00ed\u0161t\u011b ud\u011bl\u00e1m jinak? Jak p\u0159edejdu stejn\u00fdm probl\u00e9m\u016fm? Jak\u00e9 m\u00e1m k\u00a0dispozici zbran\u011b? Je tu n\u011bco, co m\u011b bude motivovat a p\u0159ipom\u00ednat mi m\u016fj c\u00edl?Kdy\u017e si tedy projdete jakoukoli finan\u010dn\u00ed t\u00edsn\u00ed, ud\u011blejte si kr\u00e1tkou my\u0161lenkovou reflexi, abyste si p\u0159ipomn\u011bli, kde byla chyba, zv\u00fd\u0161\u00edte t\u00edm pravd\u011bpodobnost, \u017ee ji p\u0159\u00ed\u0161t\u011b u\u017e neud\u011bl\u00e1te. A pokud se p\u0159\u00edli\u0161 boj\u00edte, \u017ee za p\u00e1r m\u011bs\u00edc\u016f se bude opakovat stejn\u00fd sc\u00e9n\u00e1\u0159 finan\u010dn\u00ed t\u00edsn\u011b (t\u0159eba pokud m\u00e1te podez\u0159en\u00ed na oniom\u00e1nii), nebojte se obr\u00e1tit na odborn\u00edky \u2013 nen\u00ed to \u017e\u00e1dn\u00e1 ostuda a \u017eivot bez dluh\u016f za to ur\u010dit\u011b stoj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak vyhr\u00e1t boj s financemi","item":"https:\/\/www.mabico.cz\/jak-vyhrat-boj-s-financemi\/#breadcrumbitem"}]}]