[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/offreud.cz\/umite-penize-usetrit-nebo-vse-utratite\/#Article","mainEntityOfPage":"https:\/\/offreud.cz\/umite-penize-usetrit-nebo-vse-utratite\/","headline":"Um\u00edte pen\u00edze u\u0161et\u0159it nebo v\u0161e utrat\u00edte?","name":"Um\u00edte pen\u00edze u\u0161et\u0159it nebo v\u0161e utrat\u00edte?","description":"Mnoz\u00ed z\u00a0n\u00e1s za\u010d\u00e1tkem roku po zrekapitulov\u00e1n\u00ed toho star\u00e9ho roku, vyslov\u00ed novoro\u010dn\u00ed p\u0159edsevzet\u00ed, kter\u00e9 se t\u00fdk\u00e1 pen\u011bz \u2013 v\u00edce \u0161et\u0159it.\u00a0 \u0160\u0165astn\u00fd je ten, kter\u00fd d\u00edky nejenom podle sv\u00fdch mo\u017enost\u00ed, ale hlavn\u011b svou pevnou v\u016fl\u00ed, dok\u00e1\u017ee u\u0161et\u0159it ur\u010ditou \u010d\u00e1stku, kterou si p\u0159\u00e1l. Bl\u00ed\u017e\u00ed se konec roku a s\u00a0n\u00edm pen\u00edze, kter\u00e9 jste si mo\u017en\u00e1 horko-t\u011b\u017eko na\u0161et\u0159ili na d\u00e1rky, […]","datePublished":"2025-03-02","dateModified":"2025-03-02","author":{"@type":"Person","@id":"https:\/\/offreud.cz\/author\/#Person","name":"","url":"https:\/\/offreud.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"offreud.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/offreud.cz\/wp-content\/uploads\/img_a330791_w2725_t1543270819.jpg","url":"https:\/\/offreud.cz\/wp-content\/uploads\/img_a330791_w2725_t1543270819.jpg","height":0,"width":0},"url":"https:\/\/offreud.cz\/umite-penize-usetrit-nebo-vse-utratite\/","wordCount":553,"articleBody":"Mnoz\u00ed z\u00a0n\u00e1s za\u010d\u00e1tkem roku po zrekapitulov\u00e1n\u00ed toho star\u00e9ho roku, vyslov\u00ed novoro\u010dn\u00ed p\u0159edsevzet\u00ed, kter\u00e9 se t\u00fdk\u00e1 pen\u011bz \u2013 v\u00edce \u0161et\u0159it.\u00a0 \u0160\u0165astn\u00fd je ten, kter\u00fd d\u00edky nejenom podle sv\u00fdch mo\u017enost\u00ed, ale hlavn\u011b svou pevnou v\u016fl\u00ed, dok\u00e1\u017ee u\u0161et\u0159it ur\u010ditou \u010d\u00e1stku, kterou si p\u0159\u00e1l.Bl\u00ed\u017e\u00ed se konec roku a s\u00a0n\u00edm pen\u00edze, kter\u00e9 jste si mo\u017en\u00e1 horko-t\u011b\u017eko na\u0161et\u0159ili na d\u00e1rky, tak se rozkut\u00e1lej\u00ed jako nic. Podle posledn\u00edch pr\u016fzkum\u016f lid\u00e9 utr\u00e1cej\u00ed pen\u00edze za opravdu zbyte\u010dn\u00e9 v\u011bci, a\u017e n\u011bkdy bez rozmyslu. A mnoz\u00ed se ve velk\u00e9m zadlu\u017euj\u00ed jen kv\u016fli tomu, \u017ee si mysl\u00ed, \u017ee bez drah\u00fdch d\u00e1rk\u016f na v\u00e1noce se to ned\u00e1 p\u0159e\u017e\u00edt.Je to samoz\u0159ejm\u011b ka\u017ed\u00e9ho osobn\u00ed v\u011bc, na co a jak sv\u00e9 pen\u00edze pou\u017eije.\u00a0 Lid\u00e9, kte\u0159\u00ed pat\u0159\u00ed do tak zvan\u00e9 \u201est\u0159edn\u00ed t\u0159\u00eddy\u201c p\u0159ibli\u017en\u011b s\u00a0platem 35 \u2013 40 tis\u00edc korun, tak nejenom \u017ee si mohou dovolit kupovat kvalitn\u00ed zna\u010dkov\u00e9 zbo\u017e\u00ed, ale ve velk\u00e9 m\u00ed\u0159e \u0161et\u0159\u00ed a investuj\u00ed p\u0159edev\u0161\u00edm do sv\u00e9ho bydlen\u00ed.Tak zvan\u00e1 ni\u017e\u0161\u00ed t\u0159\u00edda obyvatel, do kter\u00e9 pat\u0159\u00ed mnoho mlad\u00fdch lid\u00ed od student\u016f po\u010d\u00ednaje, rodiny s\u00a0d\u011btmi, d\u016fchodci, samo\u017eivitelky, nezam\u011bstnan\u00ed i dlouhodob\u011b nemocn\u00ed, to jsou lid\u00e9, kte\u0159\u00ed doslova \u017eij\u00ed od v\u00fdplaty do v\u00fdplaty. Ale ka\u017ed\u00fd \u017eije jinak. Pokud nav\u00edc jsou zadlu\u017eeni, maj\u00ed jednu nebo v\u00edce exekuc\u00ed, tak se velmi \u010dasto ocitaj\u00ed \u201e v\u00a0dluhov\u00e9 pasti\u201c. Ale n\u011bkte\u0159\u00ed lid\u00e9, kte\u0159\u00ed skute\u010dn\u011b maj\u00ed mal\u00e9 p\u0159\u00edjmy a dok\u00e1\u017eou u\u0161et\u0159it za rok i p\u00e1r stokorun, tak se mus\u00ed skute\u010dn\u011b uskromnit.Tento kr\u00e1tk\u00fd \u010dl\u00e1nek je naps\u00e1n sp\u00ed\u0161e pro zamy\u0161len\u00ed, jak\u00fdm zp\u016fsobem se d\u00e1 u\u0161et\u0159it i mal\u00e1 finan\u010dn\u00ed rezerva, kterou m\u016f\u017eete vyu\u017e\u00edt t\u0159eba na d\u00e1rky bez dluh\u016f.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00a0prvn\u00edm kroku ohledn\u011b va\u0161ich v\u00fddaj\u016f, si cel\u00fd m\u011bs\u00edc napi\u0161te nap\u0159\u00edklad do se\u0161itu kompletn\u00ed v\u0161echny va\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fddaje.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 D\u016fvod, pro\u010d chceteu\u0161et\u0159it n\u011bjakou, nebo ur\u010ditou \u010d\u00e1stku pen\u011bz, by m\u011bl b\u00fdt pro v\u00e1s sm\u011brodatn\u00fd.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Zva\u017ete rozumn\u011b, co v\u0161e je v t\u011bch va\u0161ich v\u00fddaj\u00edch d\u016fle\u017eit\u00e9 a co je opravdu zbyte\u010dn\u00e9. Ty pen\u00edze, kter\u00e9 jste takto utratili nav\u00edc (a mnohdy opravdu zbyte\u010dn\u011b), si ka\u017ed\u00fd m\u011bs\u00edc odlo\u017ete tak, \u017ee si z\u00a0nich vytvo\u0159\u00edte va\u0161i finan\u010dn\u00ed rezervu, kterou pak vyu\u017eijete nap\u0159\u00edklad i na to, co jste si p\u0159edt\u00edm nemohli dovolit.\u00a0Ur\u010dit\u011b v\u00edte z\u00a0mnoha zpr\u00e1v, u \u010deho v\u00a0roce 2019 mus\u00edme po\u010d\u00edtat s\u00a0v\u00fdrazn\u00fdm zdra\u017een\u00edm. A\u0165 se to t\u00fdk\u00e1 potravin, energie, bydlen\u00ed \u2026, to v\u0161e v\u00fdrazn\u011b postihne na\u0161e pen\u011b\u017eenky. Tak\u017ee v\u00a0d\u016fsledku to znamen\u00e1 dob\u0159e po\u010d\u00edtat \u2013 i kdy\u017e bude m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem v\u011bt\u0161\u00ed, tak ty pen\u00edze stejn\u011b utrat\u00edme kv\u016fli zdra\u017eov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                Um\u00edte pen\u00edze u\u0161et\u0159it nebo v\u0161e utrat\u00edte?"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Um\u00edte pen\u00edze u\u0161et\u0159it nebo v\u0161e utrat\u00edte?","item":"https:\/\/offreud.cz\/umite-penize-usetrit-nebo-vse-utratite\/#breadcrumbitem"}]}]