[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spidy.cz\/naucte-se-zachazet-spravne-s-penezi\/#Article","mainEntityOfPage":"https:\/\/www.spidy.cz\/naucte-se-zachazet-spravne-s-penezi\/","headline":"Nau\u010dte se zach\u00e1zet spr\u00e1vn\u011b s pen\u011bzi","name":"Nau\u010dte se zach\u00e1zet spr\u00e1vn\u011b s pen\u011bzi","description":"Konzumn\u00ed styl \u017eivota n\u00e1s vede k utr\u00e1cen\u00ed za zbyte\u010dnosti. Chceme ud\u011blat na druh\u00e9 dojem, nebo dop\u0159\u00e1t sv\u00fdm d\u011btem co nejlep\u0161\u00ed v\u011bci. Tak se zadlu\u017eujeme \u010d\u00edm d\u00e1l v\u00edc.
 P\u0159itom to m\u016f\u017eeme snadno zm\u011bnit. Sta\u010d\u00ed se zamyslet nad sv\u00fdmi v\u00fddaji a pe\u010dliv\u011b je zanalyzovat. V\u00fddaje si zapisujte. Mo\u017en\u00e1 budete p\u0159ekvapeni, za co v\u0161echno zbyte\u010dn\u011b utr\u00e1c\u00edte.
 \u00a7 Ve\u010fte […]","datePublished":"2020-10-06","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.spidy.cz\/author\/#Person","name":"","url":"https:\/\/www.spidy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spidy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spidy.cz\/wp-content\/uploads\/img_a288960_w1781_t1500373211.jpg","url":"https:\/\/www.spidy.cz\/wp-content\/uploads\/img_a288960_w1781_t1500373211.jpg","height":0,"width":0},"url":"https:\/\/www.spidy.cz\/naucte-se-zachazet-spravne-s-penezi\/","about":["Pen\u00edze"],"wordCount":641,"articleBody":"Konzumn\u00ed styl \u017eivota n\u00e1s vede k utr\u00e1cen\u00ed za zbyte\u010dnosti. Chceme ud\u011blat na druh\u00e9 dojem, nebo dop\u0159\u00e1t sv\u00fdm d\u011btem co nejlep\u0161\u00ed v\u011bci. Tak se zadlu\u017eujeme \u010d\u00edm d\u00e1l v\u00edc.
 P\u0159itom to m\u016f\u017eeme snadno zm\u011bnit. Sta\u010d\u00ed se zamyslet nad sv\u00fdmi v\u00fddaji a pe\u010dliv\u011b je zanalyzovat. V\u00fddaje si zapisujte. Mo\u017en\u00e1 budete p\u0159ekvapeni, za co v\u0161echno zbyte\u010dn\u011b utr\u00e1c\u00edte.
 \u00a7 Ve\u010fte si dom\u00e1c\u00ed \u00fa\u010detnictv\u00ed
 M\u011bjte p\u0159ehled, za co ka\u017ed\u00fd m\u011bs\u00edc utr\u00e1c\u00edte. Pokud mo\u017eno pla\u0165te bankovn\u00ed kartou nebo prost\u0159ednictv\u00edm bankovn\u00edho \u00fa\u010dtu. Aspo\u0148 hned uvid\u00edte, za co a kolik jste platili a polo\u017eku m\u016f\u017eete zahrnout do dom\u00e1c\u00edho vy\u00fa\u010dtov\u00e1n\u00ed. K dispozici jsou tak\u00e9 sd\u00edlen\u00e9 tabulky nebo aplikace, kam lze \u00fatraty zapisovat pr\u016fb\u011b\u017en\u011b on-line.Napl\u00e1nujte si v\u00fddaje v ro\u010dn\u00edm p\u0159edstihu,aby v\u00e1s pak nezasko\u010dila t\u0159eba dovolen\u00e1 nebo doplatek za elekt\u0159inu. Pokud se i p\u0159esto octnete v m\u00ednusu, neobracejte se na nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed nevhodn\u00e9 p\u016fj\u010dky. Pora\u010fte se ve sv\u00e9 bance. 
 \u00a7 Stanovte si spole\u010dn\u011b jasn\u00e1 pravidla
 Dohodn\u011bte se, kdo a co bude platit a jak si nastav\u00edte disponentsk\u00e1 (p\u0159\u00edstupov\u00e1) pr\u00e1va k bankovn\u00edmu \u00fa\u010dtu.
 Pokud mo\u017eno pla\u0165te z jednoho \u00fa\u010dtu, abyste m\u011bli p\u0159ehled nad prob\u011bhl\u00fdmi platbami. Jinak se m\u016f\u017ee st\u00e1t, \u017ee se spolehnete jeden na druh\u00e9ho, \u017ee \u00fa\u010det zaplat\u00ed, a nakonec ho nezaplat\u00ed nikdo.
 \u00a7 Kontrolujte odchoz\u00ed platby
 M\u011bjte p\u0159ehled nad sv\u00fdmi platbami, kter\u00e9 z va\u0161eho \u00fa\u010dtu odch\u00e1zej\u00ed (nap\u0159. spl\u00e1tky za \u00fav\u011bry a p\u016fj\u010dky, energie, \u00fahrada za telefon nebo internet\u2026). Z\u00edskat p\u0159ehled nad sv\u00fdmi financemi a nastavit si sv\u016fj rozpo\u010det v\u00e1m m\u016f\u017ee pomoci t\u0159eba aplikace \u010cesk\u00e9 spo\u0159itelny Moje zdrav\u00e9 finance. M\u016f\u017eete se tak\u00e9 obr\u00e1tit na odborn\u00edky a finan\u010dn\u00ed poradce, kte\u0159\u00ed funguj\u00ed v r\u00e1mci ka\u017ed\u00e9 banky.
 \u00a7 Hl\u00eddejte si z\u016fstatek
 Pokud se dostanete do nepovolen\u00e9ho m\u00ednusu, m\u016f\u017ee v\u00e1m banka \u00fa\u010det vypov\u011bd\u011bt nebo v\u00e1m na\u00fa\u010dtovat pokuty. Sjednejte si u banky kontokorent, tedy rezervu, kterou m\u016f\u017eete \u010derpat v p\u0159\u00edpad\u011b m\u00ednusu a spl\u00e1cet jako \u00fav\u011br.
 \u00a7 Spo\u0159te i n\u00edzk\u00e9 \u010d\u00e1stky
 Sna\u017ete si ka\u017ed\u00fd m\u011bs\u00edc vytvo\u0159it ur\u010ditou rezervu, kterou m\u016f\u017eete ulo\u017eit nebo zhodnotit. Sta\u010d\u00ed i ve stokorun\u00e1ch. Tato finan\u010dn\u00ed rezerva se v\u00e1m m\u016f\u017ee hodit na ne\u010dekan\u00e9 v\u00fddaje nebo p\u0159i ztr\u00e1t\u011b pr\u00e1ce. Doporu\u010duje se m\u00edt na\u0161et\u0159eno na 3-6 m\u011bs\u00edc\u016f.
 Tuto \u010d\u00e1stku si ulo\u017ete rad\u011bji hned bokem, nejl\u00e9pe na spo\u0159ic\u00ed \u00fa\u010det. Na b\u011b\u017en\u00e9m \u00fa\u010dtu ponechte jen prost\u0159edky, kter\u00e9 pot\u0159ebujete ke ka\u017edodenn\u00edmu provozu. Odborn\u00edci doporu\u010duj\u00ed m\u00edt alespo\u0148 u\u0161et\u0159en\u00e9 t\u0159i mzdy na nenad\u00e1l\u00e9 v\u00fddaje nebo v p\u0159\u00edpad\u011b ztr\u00e1ty pr\u00e1ce.
 \u00a7 V p\u0159\u00edpad\u011b probl\u00e9m\u016f rychle jednejte
 Pokud za\u010dnete m\u00edt probl\u00e9my se spl\u00e1cen\u00edm, rozhodn\u011b se nevyplat\u00ed je ignorovat a ne\u0159e\u0161it. \u0158e\u0161te je nejl\u00e9pe s p\u0159edstihem, kdy u\u017e probl\u00e9m p\u0159edv\u00edd\u00e1te, ale nejpozd\u011bji, kdy\u017e nastane.Kontaktujte okam\u017eit\u011b v\u011b\u0159itele a domluvte se s n\u00edm na spl\u00e1tkov\u00e9m kalend\u00e1\u0159i.
 Vyhn\u011bte se komer\u010dn\u00edm oddlu\u017eovac\u00edm agentur\u00e1m, kter\u00e9 si \u00fa\u010dtuj\u00ed vysok\u00e9 \u010d\u00e1stky, ale nic nevy\u0159e\u0161\u00ed.
 M\u016f\u017eete tak\u00e9 vyu\u017e\u00edt na Poradnu p\u0159i finan\u010dn\u00ed t\u00edsni. Jedn\u00e1 se o neziskovou spole\u010dnost, kter\u00e1 \u0159e\u0161\u00ed komplexn\u00ed finan\u010dn\u00ed situaci klient\u016f.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nau\u010dte se zach\u00e1zet spr\u00e1vn\u011b s pen\u011bzi","item":"https:\/\/www.spidy.cz\/naucte-se-zachazet-spravne-s-penezi\/#breadcrumbitem"}]}]