[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.amateto.cz\/jak-byt-financne-gramotnym\/#Article","mainEntityOfPage":"https:\/\/www.amateto.cz\/jak-byt-financne-gramotnym\/","headline":"Jak b\u00fdt finan\u010dn\u011b gramotn\u00fdm?","name":"Jak b\u00fdt finan\u010dn\u011b gramotn\u00fdm?","description":"Co to v\u016fbec je finan\u010dn\u00ed gramotnost? Jedn\u00e1 se o z\u00edskan\u00e9 znalosti, kter\u00e9 \u010dlov\u011bku umo\u017e\u0148uj\u00ed, aby porozum\u011bl oblasti financ\u00ed, aby um\u011bl se sv\u00fdmi financemi spr\u00e1vn\u011b hospoda\u0159it…","datePublished":"2022-07-08","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.amateto.cz\/author\/#Person","name":"","url":"https:\/\/www.amateto.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"amateto.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.amateto.cz\/wp-content\/uploads\/pexels-pixabay-259200%20(1).jpg","url":"https:\/\/www.amateto.cz\/wp-content\/uploads\/pexels-pixabay-259200%20(1).jpg","height":0,"width":0},"url":"https:\/\/www.amateto.cz\/jak-byt-financne-gramotnym\/","about":["Ekonomika"],"wordCount":473,"articleBody":"   Co to v\u016fbec je finan\u010dn\u00ed gramotnost? Jedn\u00e1 se o z\u00edskan\u00e9 znalosti, kter\u00e9 \u010dlov\u011bku umo\u017e\u0148uj\u00ed, aby porozum\u011bl oblasti financ\u00ed, aby um\u011bl se sv\u00fdmi financemi spr\u00e1vn\u011b hospoda\u0159it a nakl\u00e1dat a um\u011bl je samoz\u0159ejm\u011b tak\u00e9 z\u00edskat. Finan\u010dn\u00ed gramotnost by se m\u011bli u\u010dit d\u011bti ji\u017e od z\u00e1kladn\u00ed \u0161koly, ale bohu\u017eel tomu tak nen\u00ed. Proto je na rodi\u010d\u00edch, aby sv\u00fdm d\u011btem vysv\u011btlili, jak nakl\u00e1dat a hospoda\u0159it s pen\u011bzi a vysv\u011btlili jim z\u00e1kladn\u00ed pojmy z oblasti finan\u010dn\u00ed gramotnosti. Finan\u010dn\u00ed negramotnost se projev\u00ed nejv\u00edce v okam\u017eiku, kdy \u010dlov\u011bk nem\u00e1 dostatek pen\u011bz na n\u011bco, po \u010dem tou\u017e\u00ed. M\u016f\u017ee to b\u00fdt nov\u00fd mobil, po\u010d\u00edta\u010d, dovolen\u00e1 nebo t\u0159eba d\u00e1rky k V\u00e1noc\u016fm pro celou rodinu. \u010clov\u011bk, kter\u00fd nem\u00e1 z\u00e1kladn\u00ed informace o finan\u010dn\u00ed gramotnosti takovou situaci \u0159e\u0161\u00ed \u010dasto p\u016fj\u010dkou. Co\u017e je ale \u0161patn\u011b. P\u016fj\u010dku byste si m\u011bli br\u00e1t na v\u011bci, o kter\u00fdch v\u00edte, \u017ee na n\u011b jen t\u011b\u017eko dok\u00e1\u017eete na\u0161et\u0159it. M\u016f\u017ee se jednat o nemovitost nebo t\u0159eba auto. Nebo tak\u00e9 v p\u0159\u00edpad\u011b, \u017ee pot\u0159ebujete akutn\u011b pen\u00edze a vy\u010derpali jste v\u0161echny ostatn\u00ed mo\u017enosti. Jak\u00fd smysl m\u00e1 br\u00e1t si p\u016fj\u010dku kv\u016fli v\u00e1no\u010dn\u00edm d\u00e1rk\u016fm, kterou pak budete spl\u00e1cet a\u017e do p\u0159\u00ed\u0161t\u00edch V\u00e1noc? Sou\u010d\u00e1st\u00ed finan\u010dn\u00ed gramotnosti je t\u0159eba i to, \u017ee vysv\u011btl\u00edte d\u011btem, \u017ee sv\u011bt nestoj\u00ed na drah\u00fdch d\u00e1rc\u00edch.Lid\u00e9 tak\u00e9 \u010dasto nerozum\u00ed slov\u016fm \u00faroky, RPSN a podobn\u011b. Nen\u00ed pak tedy divu, \u017ee se up\u00ed\u0161ou p\u016fj\u010dce, kter\u00e1 je pro n\u011b zna\u010dn\u011b nev\u00fdhodn\u00e1, a ve fin\u00e1le vr\u00e1t\u00ed spole\u010dnosti od kter\u00e9 si p\u016fj\u010dily t\u0159eba o 50 % v\u00edce pen\u011bz, ne\u017e si p\u016fvodn\u011b p\u016fj\u010dily. Takov\u00e1 p\u016fj\u010dka pro v\u00e1s opravdu nen\u00ed v\u00fdhodn\u00e1.Sou\u010d\u00e1st\u00ed finan\u010dn\u00ed gramotnosti by m\u011bli b\u00fdt i znalosti o tom, jak \u0161et\u0159it pen\u00edze. \u010clov\u011bk by m\u011bl zn\u00e1t pojmy jako spo\u0159\u00edc\u00ed \u00fa\u010det, stavebn\u00ed spo\u0159en\u00ed, d\u016fchodov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed nebo investice a m\u011bl by se um\u011bt rozhodnout, jak\u00e9 spo\u0159en\u00ed je pro n\u011bj nejv\u00fdhodn\u011bj\u0161\u00ed. Tak\u00e9 by m\u011bl samoz\u0159ejm\u011b m\u00edt schopnost hospoda\u0159it se sv\u00fdmi financemi tak, aby byl schopen si alespo\u0148 po mal\u00fdch \u010d\u00e1stk\u00e1ch \u0161et\u0159it na budoucnost nebo pro ne\u010dekan\u00e9 situace.Chcete se dozv\u011bd\u011bt o tomto t\u00e9matu v\u00edce? Pod\u00edvejte se na \u010dl\u00e1nek, Kdo by st\u00e1l o zkrachovance? Americk\u00e1 nebankovn\u00ed hypot\u00e9ka.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak b\u00fdt finan\u010dn\u011b gramotn\u00fdm?","item":"https:\/\/www.amateto.cz\/jak-byt-financne-gramotnym\/#breadcrumbitem"}]}]