[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chkocr.cz\/jak-se-naucit-financni-gramotnosti\/#Article","mainEntityOfPage":"https:\/\/www.chkocr.cz\/jak-se-naucit-financni-gramotnosti\/","headline":"Jak se nau\u010dit finan\u010dn\u00ed gramotnosti?","name":"Jak se nau\u010dit finan\u010dn\u00ed gramotnosti?","description":"St\u00e1le je mezi n\u00e1mi obrovsk\u00e9 mno\u017estv\u00ed lid\u00ed, kte\u0159\u00ed nejsou znal\u00ed finan\u010dn\u00ed gramotnosti, kte\u0159\u00ed nemaj\u00ed finan\u010dn\u00ed rezervu a neum\u00ed hospoda\u0159it se sv\u00fdmi financemi. Pro\u010d tomu tak je a kam tento ne\u0161var sp\u011bje? Jak nau\u010dit ob\u010dany utr\u00e1cet s rozumem a ne\u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b? I v sou\u010dasnosti, v 21. stolet\u00ed, kdy je v\u0161eho dostatek a\u017e","datePublished":"2019-11-23","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.chkocr.cz\/author\/#Person","name":"","url":"https:\/\/www.chkocr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chkocr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chkocr.cz\/wp-content\/uploads\/img_a359212_w3834_t1573309247.jpg","url":"https:\/\/www.chkocr.cz\/wp-content\/uploads\/img_a359212_w3834_t1573309247.jpg","height":0,"width":0},"url":"https:\/\/www.chkocr.cz\/jak-se-naucit-financni-gramotnosti\/","about":["Pen\u00edze"],"wordCount":491,"articleBody":"St\u00e1le je mezi n\u00e1mi obrovsk\u00e9 mno\u017estv\u00ed lid\u00ed, kte\u0159\u00ed nejsou znal\u00ed finan\u010dn\u00ed gramotnosti, kte\u0159\u00ed nemaj\u00ed finan\u010dn\u00ed rezervu a neum\u00ed hospoda\u0159it se sv\u00fdmi financemi. Pro\u010d tomu tak je a kam tento ne\u0161var sp\u011bje? Jak nau\u010dit ob\u010dany utr\u00e1cet s rozumem a ne\u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b?I v sou\u010dasnosti, v 21. stolet\u00ed, kdy je v\u0161eho dostatek a\u017e nadbytek, je spousta rodin, kter\u00e9 nevych\u00e1z\u00ed se sv\u00fdmi p\u0159\u00edjmy, kter\u00e9 \u017eij\u00ed od v\u00fdplaty k v\u00fdplat\u011b a kter\u00fdm nezb\u00fdvaj\u00ed finance na nenad\u00e1l\u00e9 v\u00fddaje. Pro\u010d tomu tak je a jak bychom m\u011bli situaci napravit?Rovnou V\u00e1m m\u016f\u017eete \u0159\u00edct, \u017ee je pot\u0159eba s v\u00fdchovou schopnosti pr\u00e1ce s financemi za\u010d\u00edt ji\u017e u na\u0161ich d\u011bt\u00ed. Ne nadarmo se \u0159\u00edk\u00e1, \u017ee star\u00e9ho psa nov\u00fdm kousk\u016fm nenau\u010d\u00ed\u0161. Na\u0161e d\u011bti jsou na\u0161e budoucnost. Je pot\u0159eba, abychom je ji\u017e v d\u011btstv\u00ed nau\u010dili hospoda\u0159it s pen\u011bzi. D\u011bti tak\u00e9 kop\u00edruj\u00ed na\u0161e po\u010d\u00edn\u00e1n\u00ed. Proto, kdy\u017e v n\u00e1s vid\u00ed rodi\u010de, kte\u0159\u00ed s pen\u011bzi um\u00ed zach\u00e1zet, je v\u00edce ne\u017e pravd\u011bpodobn\u00e9, \u017ee z nich vyrostou hospod\u00e1rn\u00ed jedinci.Naopak, pokud na\u0161e d\u011bti ji\u017e od n\u00edzk\u00e9ho v\u011bku vid\u00ed, \u017ee utr\u00e1c\u00edme za hlouposti, \u017ee si pen\u011bz nev\u00e1\u017e\u00edme, \u017ee si p\u016fj\u010dujeme, kde m\u016f\u017eeme, vyvol\u00e1 to v nich jen pocity, \u017ee je to takto n\u011bco norm\u00e1ln\u00edho a p\u0159irozen\u00e9ho.Na z\u00e1kladn\u00edch a st\u0159edn\u00edch \u0161kol\u00e1ch se finan\u010dn\u00ed gramotnost za\u010dala vyu\u010dovat, i to je dob\u0159e. V\u011bt\u0161inu pr\u00e1ce by m\u011bl odv\u00e9st rodi\u010d, ale vzd\u011bl\u00e1vac\u00ed instituce by tuto problematiku tak\u00e9 nem\u011bly p\u0159ehl\u00ed\u017eet.Jakou byste m\u011bli m\u00edt finan\u010dn\u00ed rezervu? \u0158\u00edk\u00e1 se, \u017ee finan\u010dn\u00ed rezerva, kterou budete m\u00edt k dispozici, pokud by se ud\u00e1ly n\u011bjak\u00e9 ne\u010dekan\u00e9 ud\u00e1losti, by m\u011bla b\u00fdt ve v\u00fd\u0161i 3 Va\u0161ich plat\u016f. Pokud je V\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem 20 000 CZK \u010dist\u00e9ho, m\u011bli byste m\u00edt u\u0161et\u0159eno minim\u00e1ln\u011b 60 000 CZK.D\u00e1le je doporu\u010dov\u00e1no, abyste si z m\u011bs\u00ed\u010dn\u00edho platu odkl\u00e1dali 10 % platu. To znamen\u00e1, \u017ee, pokud vyd\u011bl\u00e1v\u00e1te v\u00fd\u0161e zm\u00edn\u011bn\u00fdch 20 000 CZK, si mus\u00edte ka\u017ed\u00fd m\u011bs\u00edc odlo\u017eit 2 000 CZK stranou a t\u00edm si budete ukl\u00e1dat svou finan\u010dn\u00ed rezervu. To m\u00e1te ro\u010dn\u011b 12 x 2 000 = 24 000 CZ\/za rok, 120 000 CZK za 5 let.Myslete na to, jak\u00fdm zp\u016fsobem \u017eijete a myslete na Va\u0161i budoucnost a na budoucnost Va\u0161ich d\u011bt\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se nau\u010dit finan\u010dn\u00ed gramotnosti?","item":"https:\/\/www.chkocr.cz\/jak-se-naucit-financni-gramotnosti\/#breadcrumbitem"}]}]