[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jmtcz.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.jmtcz.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"Um\u011bt spr\u00e1vn\u011b zach\u00e1zet s pen\u011bzi v r\u016fzn\u00fdch \u017eivotn\u00edch situac\u00edch, m\u00edt o nich p\u0159ehled, tomu se \u0159\u00edk\u00e1 finan\u010dn\u00ed gramotnost. Nejde jen o to, um\u011bt \u010d\u00edst, ps\u00e1t, po\u010d\u00edtat, ale v\u011bd\u011bt, na co se m\u00e1m zam\u011b\u0159it nap\u0159\u00edklad p\u0159i podepisov\u00e1n\u00ed finan\u010dn\u00edch smluv a kdy smlouvu v\u016fbec podepsat. Tak\u00e9 um\u011bt p\u0159i nakupov\u00e1n\u00ed spr\u00e1vn\u011b vyhodnotit, zda na to m\u00e1m, \u010di naopak. Dnes je […]","datePublished":"2019-11-01","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.jmtcz.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.jmtcz.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jmtcz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jmtcz.cz\/wp-content\/uploads\/img_a362152_w4275_t1575121637.jpg","url":"https:\/\/www.jmtcz.cz\/wp-content\/uploads\/img_a362152_w4275_t1575121637.jpg","height":0,"width":0},"url":"https:\/\/www.jmtcz.cz\/financni-gramotnost\/","about":["Finance"],"wordCount":478,"articleBody":"Um\u011bt spr\u00e1vn\u011b zach\u00e1zet s pen\u011bzi v r\u016fzn\u00fdch \u017eivotn\u00edch situac\u00edch, m\u00edt o nich p\u0159ehled, tomu se \u0159\u00edk\u00e1 finan\u010dn\u00ed gramotnost. Nejde jen o to, um\u011bt \u010d\u00edst, ps\u00e1t, po\u010d\u00edtat, ale v\u011bd\u011bt, na co se m\u00e1m zam\u011b\u0159it nap\u0159\u00edklad p\u0159i podepisov\u00e1n\u00ed finan\u010dn\u00edch smluv a kdy smlouvu v\u016fbec podepsat. Tak\u00e9 um\u011bt p\u0159i nakupov\u00e1n\u00ed spr\u00e1vn\u011b vyhodnotit, zda na to m\u00e1m, \u010di naopak.Dnes je vlastn\u011b v\u0161e o pen\u011bz\u00edch, \u010dlov\u011bk by m\u011bl v\u011bd\u011bt, kdy a kde zbyte\u010dn\u011b neutr\u00e1cet, m\u00edt p\u0159ehled o sv\u00fdch p\u0159\u00edjmech a v\u00fddaj\u00edch a sna\u017eit se si spo\u0159it n\u011bjak\u00e9 pen\u00edze stranou. Pokud to neud\u011bl\u00e1, m\u016f\u017ee b\u00fdt nep\u0159\u00edjemn\u011b zasko\u010den v nenad\u00e1l\u00fdch a ne\u010dekan\u00fdch situac\u00edch. M\u016f\u017ee vzniknout n\u00e1hl\u00fd v\u011bt\u0161\u00ed pen\u011b\u017en\u00ed v\u00fddaj nap\u0159\u00edklad u zuba\u0159e, nebo pokud m\u00e1me auto, tak ne\u010dekan\u00e1 porucha a jin\u00e1 dal\u0161\u00ed p\u0159ekvapen\u00ed.Pak se snadno stane, \u017ee lid\u00e9 zbyte\u010dn\u011b spadnou do dluh\u016f, proto\u017ee jsou nuceni si vz\u00edt p\u016fj\u010dku \u010di \u00fav\u011br. A pr\u00e1v\u011b i v tuto chv\u00edli by m\u011bl \u010dlov\u011bk zn\u00e1t alespo\u0148 z\u00e1kladn\u00ed finan\u010dn\u00ed produkty. Tedy jak\u00fd je rozd\u00edl mezi spot\u0159ebitelsk\u00fdm \u00fav\u011brem, hypot\u00e9kou, p\u016fj\u010dkou, nebo rychlou p\u016fj\u010dkou. Nebo\u0165 pr\u00e1v\u011b „rychlop\u016fj\u010dky“ mohou zav\u00e9st \u010dlov\u011bka do za\u010darovan\u00e9ho kruhu dluh\u016f. Sice m\u00e1 rychl\u00e9 pen\u00edze bez dolo\u017een\u00ed p\u0159\u00edjmu b\u011bhem 24 hodin na sv\u00e9m bankovn\u00edm \u00fa\u010dtu a m\u016f\u017ee je ihned pou\u017e\u00edt na ne\u010dekan\u00fd v\u00fddaj, ale pak n\u00e1sleduje nekone\u010dn\u00e9 spl\u00e1cen\u00ed. Jeho m\u011bs\u00ed\u010dn\u00ed rozpo\u010det se nav\u00fd\u0161\u00ed o tuto spl\u00e1tku, na kterou mu z v\u00fdplaty nezbyde a tak mnohdy sklouzne k dal\u0161\u00ed p\u016fj\u010dce. Toto \u010dasto vede a\u017e k exekuci.V dne\u0161n\u00ed dob\u011b je na trhu mnoho takov\u00fdch online rychl\u00fdch p\u016fj\u010dek, kde v\u00e1m p\u016fj\u010d\u00ed bez dolo\u017een\u00ed p\u0159\u00edjmu, sta\u010d\u00ed zaslat elektronicky pouze ob\u010dansk\u00fd pr\u016fkaz. Av\u0161ak \u00farok je n\u011bkdy t\u00e9m\u011b\u0159 100 procent, tedy m\u016f\u017eeme zde hovo\u0159it o lichv\u00e1\u0159stv\u00ed. Bohu\u017eel je ale je\u0161t\u011b hodn\u011b lid\u00ed, kte\u0159\u00ed tuto finan\u010dn\u00ed slu\u017ebu vyu\u017eij\u00ed. Pr\u016fzkumy ukazuj\u00ed, \u017ee finan\u010dn\u00ed gramotnost \u010cech\u016f se zv\u00fd\u0161ila, av\u0161ak st\u00e1le je\u0161t\u011b nen\u00ed na vysok\u00e9 \u00farovni. Spousta lid\u00ed si neum\u00ed spo\u010d\u00edtat nev\u00fdhodnost p\u016fj\u010dek, sta\u010d\u00ed jim pouze l\u00e1kadla, kter\u00e1 tyto spole\u010dnosti nab\u00edzej\u00ed a kter\u00fdmi l\u00e1kaj\u00ed lidi, aby si u nich p\u016fj\u010dili.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.jmtcz.cz\/financni-gramotnost\/#breadcrumbitem"}]}]