[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lanna.cz\/penize-jak-se-nenechat-zlakat\/#Article","mainEntityOfPage":"https:\/\/www.lanna.cz\/penize-jak-se-nenechat-zlakat\/","headline":"Pen\u00edze \u2013 jak se nenechat zl\u00e1kat","name":"Pen\u00edze \u2013 jak se nenechat zl\u00e1kat","description":"Kdy\u017e jdete ve m\u011bst\u011b po ulici, vid\u00edte spoustu reklam, sv\u00edt\u00edc\u00edch cedul\u00ed a jin\u00fdch l\u00e1kadel, kter\u00e9 p\u0159\u00edmo vyz\u00edvaj\u00ed, abyste vstoupili do dan\u00e9 prodejny nebo koupili produkt, kter\u00fd vypad\u00e1, \u017ee ho zrovna nutn\u011b pot\u0159ebujete. Kdybychom se nechali zl\u00e1kat v\u0161emi t\u011bmi k\u0159iklav\u00fdmi n\u00e1pisy, byli bychom utratili v\u0161echny pen\u00edze b\u011bhem jednoho dne.
 Je t\u0159eba odol\u00e1vat v\u011bcem, co n\u00e1s l\u00e1kaj\u00ed, […]","datePublished":"2019-12-18","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.lanna.cz\/author\/#Person","name":"","url":"https:\/\/www.lanna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lanna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lanna.cz\/wp-content\/uploads\/img_a365499_w4259_t1578325174.jpg","url":"https:\/\/www.lanna.cz\/wp-content\/uploads\/img_a365499_w4259_t1578325174.jpg","height":0,"width":0},"url":"https:\/\/www.lanna.cz\/penize-jak-se-nenechat-zlakat\/","about":["Pen\u00edze"],"wordCount":459,"articleBody":"Kdy\u017e jdete ve m\u011bst\u011b po ulici, vid\u00edte spoustu reklam, sv\u00edt\u00edc\u00edch cedul\u00ed a jin\u00fdch l\u00e1kadel, kter\u00e9 p\u0159\u00edmo vyz\u00edvaj\u00ed, abyste vstoupili do dan\u00e9 prodejny nebo koupili produkt, kter\u00fd vypad\u00e1, \u017ee ho zrovna nutn\u011b pot\u0159ebujete. Kdybychom se nechali zl\u00e1kat v\u0161emi t\u011bmi k\u0159iklav\u00fdmi n\u00e1pisy, byli bychom utratili v\u0161echny pen\u00edze b\u011bhem jednoho dne.
 Je t\u0159eba odol\u00e1vat v\u011bcem, co n\u00e1s l\u00e1kaj\u00ed, to ano, ale do jak\u00e9 m\u00edry? Mo\u017en\u00e1, i kdy\u017e nejsem nejmajetn\u011bj\u0161\u00ed, tak p\u0159ece nebudu cht\u00edt, aby m\u00e1 rodina \u017eila jen o chlebu a vod\u011b. Je d\u016fle\u017eit\u00e9 naj\u00edt hranici, co koupit a co u\u017e ne. Mo\u017en\u00e1 si \u0159eknete, \u017ee je to jednoduch\u00e9, \u017ee prost\u011b nebudete kupovat to, co nepot\u0159ebujete, ale pak vyvst\u00e1v\u00e1 ot\u00e1zka, co opravdu pot\u0159ebuji?
 
 
 Co kupuji?
 Kdy\u017e pomineme v\u011bci, kter\u00e9 pot\u0159ebujeme nutn\u011b k p\u0159e\u017eit\u00ed \u2013 z\u00e1kladn\u00ed j\u00eddlo a oble\u010den\u00ed, kupujeme v\u011bci hlavn\u011b pro pot\u011b\u0161en\u00ed \u2013 bu\u010f sebe, nebo n\u011bkoho bl\u00edzk\u00e9ho. U t\u011bchto v\u011bc\u00ed se t\u011b\u017eko hled\u00e1 hranice co ano a co u\u017e ne. Tuto hranici je t\u0159eba nastavit podle p\u0159\u00edjm\u016f, ale i podle toho, co je vhodn\u00e9 a co ne. Je jasn\u00e9, \u017ee kdy\u017e nebudu ve zrovna nejlep\u0161\u00ed finan\u010dn\u00ed situaci, tak nebudu kupovat man\u017eelce ke sv\u00e1tku nejdra\u017e\u0161\u00ed \u0161perky nebo \u0161aty, ale i kdy\u017e na tom nejsem zrovna nejl\u00e9pe, m\u011bl bych si na svoji \u017eenu vzpomenout a don\u00e9st j\u00ed alespo\u0148 kv\u011btinu nebo bonboni\u00e9ru.
 
 
 Utr\u00e1cet nebo \u0161et\u0159it?
 S utr\u00e1cen\u00edm se to nesm\u00ed p\u0159eh\u00e1n\u011bt, ale stejn\u011b tak se to nesm\u00ed p\u0159eh\u00e1n\u011bt s \u0161et\u0159en\u00edm. Pen\u00edze p\u0159ece nejsou od toho, aby byly na bankovn\u00edm \u00fa\u010dtu pades\u00e1t let k ni\u010denu a \u010dekali na to, a\u017e zem\u0159ete a zd\u011bd\u00ed je va\u0161i p\u0159\u00edbuzn\u00ed. S pen\u011bzi je t\u0159eba zach\u00e1zet s rozvahou, ale nemus\u00edme \u0161kudlit ka\u017edou korunu, kdy\u017e m\u00e1me pen\u011bz dost. Je dobr\u00e9 m\u00edt n\u011bjakou \u201e\u017eeleznou rezervu\u201c pro p\u0159\u00edpad, \u017ee byste p\u0159i\u0161li o zam\u011bstn\u00e1n\u00ed nebo se stala n\u011bjak\u00e1 ne\u010dekan\u00e1 ud\u00e1lost, abyste nebyli nuceni se zadlu\u017eit.
 
 Dluhy
 Kdy\u017e se pl\u00e1nujete zadlu\u017eit, mus\u00edte si b\u00fdt jist\u00ed, \u017ee budete schopni svoje dluhy pravideln\u011b spl\u00e1cet. D\u00e1le je t\u0159eba m\u00edt na pam\u011bti, \u017ee dluh nevy\u0159e\u0161\u00edte dluhem. Kdy\u017e si budete neust\u00e1le p\u016fj\u010dovat dal\u0161\u00ed a dal\u0161\u00ed pen\u00edze na spl\u00e1cen\u00ed star\u00fdch dluh\u016f, akor\u00e1t nakonec upadnete do exekuce, co\u017e m\u016f\u017ee velice znep\u0159\u00edjemnit \u017eivot.
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