[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.venth.cz\/neni-z-ceho-setrit\/#Article","mainEntityOfPage":"https:\/\/www.venth.cz\/neni-z-ceho-setrit\/","headline":"Nen\u00ed z \u010deho \u0161et\u0159it!","name":"Nen\u00ed z \u010deho \u0161et\u0159it!","description":"V\u011bt\u0161ina lid\u00ed pracuje st\u00e1le za minim\u00e1ln\u00ed mzdu a, tak z\u00e1konit\u011b nem\u00e1 z \u010deho \u0161et\u0159it. Podle r\u016fzn\u00fdch studi\u00ed, v\u00fdzkum\u016f a statistik, by m\u011bl m\u00edt \u010dlov\u011bk na\u0161et\u0159eno, alespo\u0148 trojn\u00e1sobek sv\u00e9ho platu. Jen\u017ee, jak\u00a0\u00a0 dos\u00e1hnout takov\u00e9 finan\u010dn\u00ed rezervy, kdy\u017e z almu\u017eny se t\u011b\u017eko d\u00e1 vy\u017e\u00edt, nato\u017e na\u0161et\u0159it! Pak se n\u00e1m nab\u00edzej\u00ed r\u016fzn\u00e9 spo\u0159\u00edc\u00ed \u00fa\u010dty, stavebn\u00ed poji\u0161t\u011bn\u00ed, kde sta\u010d\u00ed …","datePublished":"2019-07-21","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.venth.cz\/author\/#Person","name":"","url":"https:\/\/www.venth.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"venth.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.venth.cz\/wp-content\/uploads\/img_a349792_w2772_t1564843776.jpg","url":"https:\/\/www.venth.cz\/wp-content\/uploads\/img_a349792_w2772_t1564843776.jpg","height":0,"width":0},"url":"https:\/\/www.venth.cz\/neni-z-ceho-setrit\/","about":["Finance"],"wordCount":614,"articleBody":"V\u011bt\u0161ina lid\u00ed pracuje st\u00e1le za minim\u00e1ln\u00ed mzdu a, tak z\u00e1konit\u011b nem\u00e1 z \u010deho \u0161et\u0159it. Podle r\u016fzn\u00fdch studi\u00ed, v\u00fdzkum\u016f a statistik, by m\u011bl m\u00edt \u010dlov\u011bk na\u0161et\u0159eno, alespo\u0148 trojn\u00e1sobek sv\u00e9ho platu. Jen\u017ee, jak\u00a0\u00a0 dos\u00e1hnout takov\u00e9 finan\u010dn\u00ed rezervy, kdy\u017e z almu\u017eny se t\u011b\u017eko d\u00e1 vy\u017e\u00edt, nato\u017e na\u0161et\u0159it!\tPak se n\u00e1m nab\u00edzej\u00ed r\u016fzn\u00e9 spo\u0159\u00edc\u00ed \u00fa\u010dty, stavebn\u00ed poji\u0161t\u011bn\u00ed, kde sta\u010d\u00ed minim\u00e1ln\u00ed vklad a po n\u011bjak\u00e9 dob\u011b, v\u011bt\u0161inou po roce, se \u010d\u00e1stka \u00faro\u010d\u00ed. Kdy\u017e se, ale zamysl\u00edme a budeme si na spo\u0159\u00edc\u00ed \u00fa\u010det vkl\u00e1dat mal\u00fd obnos, tak se n\u00e1m nem\u00e1 \u00fapln\u011b, co z\u00faro\u010dit.\t\tFinan\u010dn\u00ed gramotnost\tOdborn\u00edci, bankovn\u00ed i nebankovn\u00ed instituce, ministerstvo, ti v\u0161ichni se shoduj\u00ed, \u017ee z\u00e1kladem pro \u0161et\u0159en\u00ed je finan\u010dn\u00ed gramotnost. Nov\u011b se tento pojem objevil i ve \u0161kol\u00e1ch, kdy se sna\u017e\u00ed d\u011bti vyu\u010dovat, jak hospoda\u0159it s pen\u011bzi. Mysl\u00edm si, \u017ee to nen\u00ed na \u0161kodu a je to, velmi u\u017eite\u010dn\u00e9. D\u00e1le si m\u016f\u017eeme v\u0161imnout, \u017ee i n\u011bkter\u00e9 bankovn\u00ed instituce nab\u00edzej\u00ed, pomoc d\u011btem s hospoda\u0159en\u00edm.\t\u00a0\tDoba, nevyb\u00edz\u00ed k finan\u010dn\u00edm rezerv\u00e1m\tV t\u00e9to dob\u011b nejsme, ani vyb\u00edzeni k \u0161et\u0159en\u00ed. Proto\u017ee, nebankovn\u00edm instituc\u00edm, vyhovuje, \u017ee v\u011bt\u0161ina populace, \u017e\u00e1dnou rezervu nem\u00e1 a, tak p\u0159i rozbit\u00ed dom\u00e1c\u00edho spot\u0159ebi\u010de, t\u0159eba ledni\u010dky, pra\u010dky, vyhled\u00e1vaj\u00ed p\u016fj\u010dky. A, pro\u010d zrovna nebankovn\u00ed? Proto\u017ee, v\u0161e je bez zbyte\u010dn\u00fdch pr\u016ftah\u016f a pen\u00edze, m\u00e1te je\u0161t\u011b v ten den, kdy jste o p\u016fj\u010dku za\u017e\u00e1dali. Souhlas\u00edte i s podm\u00ednkami, kter\u00e9 instituce m\u00e1, ale a\u017e po n\u011bjak\u00e9 dob\u011b litujete, proto\u017ee mus\u00edte zaplatit skoro dvojn\u00e1sobek toho, co jste si p\u016fj\u010dili.\t\u00a0\tA\u010dkoliv, je t\u011b\u017ek\u00e9 \u0161et\u0159it, n\u011bkdy se za\u010d\u00edt mus\u00ed! Pokud pracujete za minim\u00e1ln\u00ed mzdu a m\u00e1te pocit, \u017ee to opravdu nejde, tak pop\u0159em\u00fd\u0161lejte, kde je chyba.\t\tKde u\u0161et\u0159it:\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00e1kupy potravin! Nepl\u00fdtvejte j\u00eddlem, sledujte akce, slevy a sna\u017ete se nevyhazovat. V\u011bdci, odborn\u00edci se shoduj\u00ed, \u017ee \u010ce\u0161i vyhazuj\u00ed spousty j\u00eddla, proto\u017ee si nakupuj\u00ed do z\u00e1sob, ale nest\u00edhaj\u00ed je spot\u0159ebovat. Nakupujte do z\u00e1sob, ale pouze suroviny del\u0161\u00ed trvanlivosti.\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 Srovnejte si spot\u0159ebu za elekt\u0159inu! Zd\u00e1 se v\u00e1m to, zbyte\u010dn\u00e9? Zkuste si, srovnat nab\u00eddku r\u016fzn\u00fdch spole\u010dnost\u00ed a uvid\u00edte, m\u016f\u017eete u\u0161et\u0159it, sice jen p\u00e1r ka\u010dek, ale korunka ke korunce, jak se \u0159\u00edk\u00e1.\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 N\u00e1kupy z druh\u00e9 ruky. Pot\u0159ebujete oble\u010den\u00ed, jak na b\u011b\u017en\u00e9 no\u0161en\u00ed, nebo na n\u011bjakou p\u0159\u00edle\u017eitost? Zkuste bazary, aplikace, nap\u0159\u00edklad: Marketplace, Vinded, Wish.\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 Zalo\u017ete si spo\u0159\u00edc\u00ed \u00fa\u010det, nebo vkladn\u00ed kn\u00ed\u017eku. A\u0165, u\u017e u\u0161et\u0159\u00edte sto korun nebo tis\u00edc korun, je t\u0159eba, n\u011bkam je zalo\u017eit, abyste je hned neutratili. Samoz\u0159ejm\u011b se po n\u011bjak\u00e9 dob\u011b za \u0161et\u0159en\u00ed odm\u011b\u0148te.\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdd\u011blky nav\u00edc! Vyu\u017eijte brig\u00e1d, v\u00fdd\u011blk\u016f p\u0159es internet. T\u0159eba jako copyrighter Nap\u00ed\u0161ete p\u00e1r text\u016f a mal\u00fd v\u00fdd\u011blek je doma.\t\u2022\u00a0\u00a0\u00a0\u00a0\u00a0 Zm\u011bna oper\u00e1tora! Budete se divit, ale i za m\u011bs\u00ed\u010dn\u00ed pau\u0161\u00e1l u\u0161et\u0159\u00edte.\t\u00a0\tPop\u0159em\u00fd\u0161lejte nad sv\u00fdmi v\u00fddaji, t\u0159eba v\u00e1s napadne i spousty jin\u00fdch v\u011bc\u00ed, kde u\u0161et\u0159it.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nen\u00ed z \u010deho \u0161et\u0159it!","item":"https:\/\/www.venth.cz\/neni-z-ceho-setrit\/#breadcrumbitem"}]}]