[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.blogr.cz\/cesi-rozhazuji-penize-ktere-nemaji\/#Article","mainEntityOfPage":"https:\/\/www.blogr.cz\/cesi-rozhazuji-penize-ktere-nemaji\/","headline":"\u010ce\u0161i rozhazuj\u00ed pen\u00edze, kter\u00e9 nemaj\u00ed","name":"\u010ce\u0161i rozhazuj\u00ed pen\u00edze, kter\u00e9 nemaj\u00ed","description":"P\u016fj\u010dujete si pen\u00edze od banky? Na co je pot\u00e9 utr\u00e1c\u00edte? P\u016fj\u010dujete si na v\u011bci, jako jsou V\u00e1noce, dovolen\u00e1, nov\u00e1 televize…","datePublished":"2016-11-27","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.blogr.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.blogr.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/75822ebcb33f26a58f54da5d813b950f2ea435f36540e293975e215a51d4a023?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"blogr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.blogr.cz\/wp-content\/uploads\/img_a279482_w4234_t1602841139.jpg","url":"https:\/\/www.blogr.cz\/wp-content\/uploads\/img_a279482_w4234_t1602841139.jpg","height":0,"width":0},"url":"https:\/\/www.blogr.cz\/cesi-rozhazuji-penize-ktere-nemaji\/","wordCount":411,"articleBody":"P\u016fj\u010dujete si pen\u00edze od banky? Na co je pot\u00e9 utr\u00e1c\u00edte? P\u016fj\u010dujete si na v\u011bci, jako jsou V\u00e1noce, dovolen\u00e1, nov\u00e1 televize nebo t\u0159eba notebook? Kupujete men\u0161\u00ed elektroniku na spl\u00e1tky? Jak si kupujete elektroniku, kterou chcete nebo pot\u0159ebujete? M\u00e1te jako rodina n\u011bjak\u00e9 finan\u010dn\u00ed rezervy, kter\u00e9 se pou\u017e\u00edvaj\u00ed na havarijn\u00ed p\u0159\u00edpady, jako je poka\u017een\u00e1 pra\u010dka nebo ledni\u010dka? A co t\u0159eba porucha na aut\u011b, pokud je pot\u0159ebujete denn\u011b k tomu, abyste se dostali do pr\u00e1ce? Kupujete si n\u011bkter\u00e9 za\u0159\u00edzen\u00ed, n\u00e1stroje nebo spot\u0159ebi\u010de \u010di jin\u00e9 v\u011bci na spl\u00e1tky?\u0160et\u0159it, nebo si p\u016fj\u010dit  Jak\u00e9 v\u00fdhody m\u00e1 vlastn\u011b p\u016fj\u010dka? Kdy\u017e se na to pod\u00edv\u00e1te z \u010dist\u011b ekonomick\u00e9ho hlediska, nen\u00ed to \u017e\u00e1dn\u00e1 v\u00fdhoda. Jenom velmi mnoho nev\u00fdhod. Uve\u010fme ty nejv\u011bt\u0161\u00ed: – Zakupovanou v\u011bc na p\u016fj\u010dku jednozna\u010dn\u011b p\u0159eplat\u00edte, n\u011bkdy a\u017e o polovinu jej\u00ed skute\u010dn\u00e9 hodnoty – Zat\u00ed\u017e\u00edte rodinn\u00fd rozpo\u010det na dlouh\u00e9 m\u011bs\u00edce nebo dokonce i roky – Dostanete se do registru dlu\u017en\u00edk\u016f, tak\u017ee pokud budete nutn\u011b pot\u0159ebovat druhou p\u016fj\u010dku na n\u011bco jin\u00e9ho a t\u0159eba skute\u010dn\u011b d\u016fle\u017eit\u00e9ho, banka v\u00e1m dal\u0161\u00ed p\u016fj\u010dku nemus\u00ed poskytnout – Budete v neust\u00e1l\u00e9m stresu, jeliko\u017e v\u017edy budete muset m\u00edt dostate\u010dn\u00e9 mno\u017estv\u00ed financ\u00ed nejen na b\u011b\u017en\u00fd m\u011bs\u00ed\u010dn\u00ed rozpo\u010det, ale tak\u00e9 na spl\u00e1tku p\u016fj\u010dky – Pokud nebudete moci spl\u00e1cet nebo \u0159\u00e1dn\u011b spl\u00e1cet, m\u016f\u017eete na v\u00e1s ale tak\u00e9 na nejbli\u017e\u0161\u00ed rodinu uvalit exekuci\u010ce\u0161i dlu\u017e\u00ed ka\u017ed\u00fd rok v\u00edce  Tuzemsk\u00fd dluh rodin \u010din\u00ed letos v\u00edce ne\u017e dv\u011b st\u011b \u0161edes\u00e1t miliard korun. Nejde v\u0161ak jenom o hypot\u00e9ky a dlu\u017en\u00edky na jednu velkou v\u011bc, kde nap\u0159\u00edklad i o lidi, kte\u0159\u00ed si p\u016fj\u010duj\u00ed neust\u00e1le a opakovan\u011b. Dluhy se pak nabaluj\u00ed, rostou a lid\u00e9 maj\u00ed probl\u00e9my se spl\u00e1tkami, hledaj\u00ed v\u00fdmluvy, pro\u010d m\u00edt \u00falevy na spl\u00e1tk\u00e1ch. Tito lid\u00e9 maj\u00ed nutkavou touhu nakupovat za p\u016fj\u010den\u00e9 pen\u00edze v\u011bci, kter\u00e9 nepot\u0159ebuj\u00ed a kter\u00e9 tedy kupuj\u00ed zbyte\u010dn\u011b. Tito lid\u00e9 nejsou schopni plnit sv\u00e9 finan\u010dn\u00ed z\u00e1vazky a neum\u011bn\u00ed finan\u010dn\u011b hospoda\u0159it. Tak\u00e9 jsou absolutn\u011b nezodpov\u011bdn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i rozhazuj\u00ed pen\u00edze, kter\u00e9 nemaj\u00ed","item":"https:\/\/www.blogr.cz\/cesi-rozhazuji-penize-ktere-nemaji\/#breadcrumbitem"}]}]