[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.asipo.cz\/tipy-ktere-zmeni-zpusob-jakym-premyslite-o-penezich\/#Article","mainEntityOfPage":"https:\/\/www.asipo.cz\/tipy-ktere-zmeni-zpusob-jakym-premyslite-o-penezich\/","headline":"Tipy, kter\u00e9 zm\u011bn\u00ed zp\u016fsob, jak\u00fdm p\u0159em\u00fd\u0161l\u00edte o pen\u011bz\u00edch","name":"Tipy, kter\u00e9 zm\u011bn\u00ed zp\u016fsob, jak\u00fdm p\u0159em\u00fd\u0161l\u00edte o pen\u011bz\u00edch","description":"Ka\u017ed\u00fd den n\u00e1m projde rukama velk\u00e9 mno\u017estv\u00ed pen\u011bz, a\u0165 u\u017e jsou to mince a bankovky...","datePublished":"2019-09-24","dateModified":"2019-09-24","author":{"@type":"Person","@id":"https:\/\/www.asipo.cz\/author\/#Person","name":"","url":"https:\/\/www.asipo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"asipo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.asipo.cz\/wp-content\/uploads\/img_a354716_w3407_t1569310571.jpg","url":"https:\/\/www.asipo.cz\/wp-content\/uploads\/img_a354716_w3407_t1569310571.jpg","height":0,"width":0},"url":"https:\/\/www.asipo.cz\/tipy-ktere-zmeni-zpusob-jakym-premyslite-o-penezich\/","about":["Finance"],"wordCount":619,"articleBody":"Ka\u017ed\u00fd den n\u00e1m projde rukama velk\u00e9 mno\u017estv\u00ed pen\u011bz, a\u0165 u\u017e jsou to mince a bankovky nebo v\u011bci, kter\u00e9 jsme si za pen\u00edze po\u0159\u00eddili a maj\u00ed n\u011bjakou hodnotu. \u010casto si ale neuv\u011bdomujeme opravdovou hodnotu t\u011bchto v\u011bc\u00ed a n\u011bkdy dokonce ani pen\u011bz samotn\u00fdch. P\u0159itom finan\u010dn\u00ed gramotnost by m\u011bla b\u00fdt hluboko zako\u0159en\u011bn\u00e1 v\u00a0ka\u017ed\u00e9m z\u00a0n\u00e1s.\t1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Finan\u010dn\u00ed kalend\u00e1\u0159\tVytvo\u0159te si finan\u010dn\u00ed kalend\u00e1\u0159, proto\u017ee nikdo nen\u00ed neomyln\u00fd a \u010dasto se m\u016f\u017ee st\u00e1t, \u017ee na n\u011bco zapomeneme. Ob\u010das zbyte\u010dn\u011b utr\u00e1c\u00edme t\u011bsn\u011b p\u0159ed velk\u00fdmi v\u00fddaji, kter\u00e9 se mus\u00ed zaplatit, a my na to pak nem\u00e1me. Pokud si budete v\u00e9st v\u0161echny term\u00edny plateb p\u0159ehledn\u011b v\u00a0kalend\u00e1\u0159i, nikdy v\u00e1s nem\u016f\u017ee nic zastihnout nep\u0159ipraven\u00e9. Nastavte si upozorn\u011bn\u00ed a p\u0159ipomenut\u00ed jako by to byla preventivn\u00ed prohl\u00eddka u l\u00e9ka\u0159e.\t2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zkontrolujte \u00farokovou sazbu\tL\u00e1mete si hlavu s\u00a0t\u00edm, jakou p\u016fj\u010dku splatit jako prvn\u00ed? Nejlep\u0161\u00ed je zam\u011b\u0159it se na tu s\u00a0nejvy\u0161\u0161\u00ed \u00farokovou sazbou. Nebo naopak spo\u0159\u00edte a nev\u00edte, na kter\u00fd spo\u0159ic\u00ed \u00fa\u010det pos\u00edlat jakou \u010d\u00e1stku? Op\u011bt na ten s\u00a0nejvy\u0161\u0161\u00ed \u00farokovou sazbou. V\u017edy je pot\u0159eba se zamyslet a porovnat r\u016fzn\u00e9 finan\u010dn\u00ed produkty a potom nebudete m\u00edt probl\u00e9my se spl\u00e1tkami.\t3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sledujte sv\u016fj \u010dist\u00fd p\u0159\u00edjem\tCo je to \u010dist\u00fd p\u0159\u00edjem? \u010cist\u00fd p\u0159\u00edjem je \u010d\u00e1stka, kter\u00e1 v\u00e1m zbyde po ode\u010dten\u00ed v\u0161ech v\u00fddaj\u016f od p\u0159\u00edjm\u016f. D\u011blejte si tuto kalkulaci ka\u017ed\u00fd m\u011bs\u00edc a budete m\u00edt p\u0159ehled, co si m\u016f\u017eete dovolit nebo zda si m\u00e1te ut\u00e1hnout opasek.\t\t4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Spr\u00e1vn\u011b nastaven\u00fd rozpo\u010det\tNikdy si nejste jist\u00ed, zda tento m\u011bs\u00edc vyjdete? Ud\u011blejte si chvilku \u010das a nastavte si spr\u00e1vn\u011b sv\u016fj osobn\u00ed rozpo\u010det. Zamyslete se jak\u00e9 jsou va\u0161e v\u00fddaje. Za co utr\u00e1c\u00edte nejv\u00edc a jestli je to nezbytn\u011b nutn\u00e9. Klidn\u011b se bez takov\u00fdch v\u00fddaj\u016f obejdete? \u0160krtn\u011bte je a pen\u00edze pou\u017eijte na n\u011bco smyslupln\u011bj\u0161\u00edho. Pamatujte tak\u00e9 na to, kdy m\u00e1te term\u00edny spl\u00e1tek za n\u00e1jem, p\u016fj\u010dku apod. Podle toho hospoda\u0159te se sv\u00fdmi p\u0159\u00edjmy. V\u00fddaje, kter\u00e9 jsou nevyhnuteln\u00e9 zapla\u0165te hned po v\u00fdplat\u011b, tak se nedostanete do probl\u00e9mu kv\u016fli neplacen\u00ed.\t5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vyhra\u010fte si minutu \u010dasu\tSta\u010d\u00ed jedna minuta denn\u011b na kontrolu pohyb\u016f a transakc\u00ed na \u00fa\u010dtu a budete m\u00edt v\u017edy p\u0159esn\u00fd p\u0159ehled. Kdy\u017e uvid\u00edte po\u010det \u010d\u00e1stek, kter\u00e9 z\u00a0va\u0161eho \u00fa\u010dtu odch\u00e1z\u00ed, mo\u017en\u00e1 v\u00e1m to pom\u016f\u017ee u\u0161et\u0159it.\t6.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Myslete na rezervu\tVyhra\u010fte si alespo\u0148 20 % sv\u00fdch p\u0159\u00edjm\u016f na neo\u010dek\u00e1van\u00e9 v\u00fddaje. Nikdy se v\u00e1m pak nestane, \u017ee by v\u00e1s zasko\u010dila rozbit\u00e1 pra\u010dka nebo porucha na aut\u011b. M\u00edt n\u011bjakou rezervu je dobr\u00e9 i z\u00a0psychologick\u00e9ho hlediska. Uvid\u00edte, \u017ee nebudete tolik ve stresu.\t7.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Stanovte si konkr\u00e9tn\u00ed c\u00edle\tKdy\u017e si stanov\u00edte konkr\u00e9tn\u00ed finan\u010dn\u00ed c\u00edle a pou\u017eijete co nejp\u0159esn\u011bj\u0161\u00ed \u010d\u00edsla i term\u00edny, bude se v\u00e1m mnohem l\u00e9pe hospoda\u0159it. Zamyslete se, \u010deho chcete sv\u00fdmi pen\u011bzi dos\u00e1hnout, ur\u010dete si \u010d\u00e1stku, kterou k\u00a0tomu budete pot\u0159ebovat a term\u00edn spln\u011bn\u00ed c\u00edle. Jedin\u011b s\u00a0p\u0159esn\u00fdmi \u010d\u00edsly m\u016f\u017eete jednotliv\u00e9 c\u00edle mezi sebou porovn\u00e1vat a hodnotit, jak se v\u00e1m da\u0159\u00ed je plnit.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Tipy, kter\u00e9 zm\u011bn\u00ed zp\u016fsob, jak\u00fdm p\u0159em\u00fd\u0161l\u00edte o pen\u011bz\u00edch","item":"https:\/\/www.asipo.cz\/tipy-ktere-zmeni-zpusob-jakym-premyslite-o-penezich\/#breadcrumbitem"}]}]