[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chiki.cz\/financni-gramotnost-je-dulezita\/#Article","mainEntityOfPage":"https:\/\/www.chiki.cz\/financni-gramotnost-je-dulezita\/","headline":"Finan\u010dn\u00ed gramotnost je d\u016fle\u017eit\u00e1","name":"Finan\u010dn\u00ed gramotnost je d\u016fle\u017eit\u00e1","description":"Prodej na spl\u00e1tky je velk\u00e9 l\u00e1kadlo V dne\u0161n\u00ed dob\u011b je velice jednoduch\u00e9 p\u0159ij\u00edt o pr\u00e1ci, sta\u010d\u00ed m\u00edt p\u00e1rkr\u00e1t nemocn\u00e9 d\u00edt\u011b, se kter\u00fdm je nutn\u00e9 z\u016fstat doma na O\u010cR, a mnoho zam\u011bstnavatel\u016f d\u00e1 takov\u00e9 zam\u011bstnankyni v\u00fdpov\u011b\u010f – nej\u010dast\u011bji jde toti\u017e o \u017eeny. Nejhor\u0161\u00ed situace je u lid\u00ed, kte\u0159\u00ed jsou s d\u00edt\u011btem sami, a mus\u00ed se sna\u017eit […]","datePublished":"2024-06-22","dateModified":"2024-06-22","author":{"@type":"Person","@id":"https:\/\/www.chiki.cz\/author\/#Person","name":"","url":"https:\/\/www.chiki.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chiki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chiki.cz\/wp-content\/uploads\/money-gd329a8e25_640_10_10_10_10_10_10_8.jpg","url":"https:\/\/www.chiki.cz\/wp-content\/uploads\/money-gd329a8e25_640_10_10_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.chiki.cz\/financni-gramotnost-je-dulezita\/","about":["Finance"],"wordCount":424,"articleBody":"      Prodej na spl\u00e1tky je velk\u00e9 l\u00e1kadlo V dne\u0161n\u00ed dob\u011b je velice jednoduch\u00e9 p\u0159ij\u00edt o pr\u00e1ci, sta\u010d\u00ed m\u00edt p\u00e1rkr\u00e1t nemocn\u00e9 d\u00edt\u011b, se kter\u00fdm je nutn\u00e9 z\u016fstat doma na O\u010cR, a mnoho zam\u011bstnavatel\u016f d\u00e1 takov\u00e9 zam\u011bstnankyni v\u00fdpov\u011b\u010f – nej\u010dast\u011bji jde toti\u017e o \u017eeny. Nejhor\u0161\u00ed situace je u lid\u00ed, kte\u0159\u00ed jsou s d\u00edt\u011btem sami, a mus\u00ed se sna\u017eit chodit do pr\u00e1ce, a nemaj\u00ed ani rodinu, kter\u00e1 by jim d\u00edt\u011b ob\u010das pohl\u00eddala. V takov\u00fdch p\u0159\u00edpadech je t\u00e9m\u011b\u0159 jist\u00e1 v\u00fdpov\u011b\u010f je\u0161t\u011b ve zku\u0161ebn\u00ed dob\u011b.Spolu s t\u011bmito probl\u00e9my je velk\u00fdm l\u00e1kadlem prodej zbo\u017e\u00ed na spl\u00e1tky. Mnoho lid\u00ed si zvyklo \u017ee si d\u00edky tomu mohou koupit zbo\u017e\u00ed, na kter\u00e9 by jinak nem\u011bli pen\u00edze. Nej\u010dast\u011bji si tak lid\u00e9 kupuj\u00ed spot\u0159ebi\u010de, proto\u017ee bez nich se dnes nikdo neobejde, ale st\u00e1le \u010dast\u011bji si na spl\u00e1tky lid\u00e9 kupuj\u00ed zbyte\u010dnosti jako jsou drah\u00e9 telefony nebo dovolen\u00e9. Pokud \u010dlov\u011bk nepot\u0159ebuje vylo\u017een\u011b n\u011bco nutn\u00e9ho, je nejlep\u0161\u00ed si spl\u00e1tkov\u00fd prodej rad\u011bji odpustit. Samostatnou kapitolou jsou p\u016fj\u010dky od pochybn\u00fdch firem, u kter\u00fdch se ani nedozv\u00edte kde maj\u00ed s\u00eddlo nebo jak\u00fd \u00farok nab\u00edz\u00ed. D\u00e1vejte si pozor na p\u016fj\u010dky Nebankovnihypoteky, u kter\u00fdch si nem\u016f\u017eete ov\u011b\u0159it v\u016fbec nic. V\u011bt\u0161inou p\u0159eplat\u00edte n\u011bkolikr\u00e1t tolik ne\u017e jste si p\u016fj\u010dili, a budete spl\u00e1cet dlouho. M\u00e9n\u011b finan\u010dn\u011b gramotn\u00ed jedinci si berou v\u00edce p\u016fj\u010dek najednou, proto\u017ee takov\u00e9 pochybn\u00e9 firmy v\u011bt\u0161inou v\u016fbec neov\u011b\u0159uj\u00ed zda \u017eadatel o p\u016fj\u010dku pracuje a m\u00e1 z \u010deho spl\u00e1tky hradit. Proto si takov\u00e9 firmy vyb\u00edraj\u00ed p\u0159edev\u0161\u00edm lid\u00e9, kte\u0159\u00ed si mysl\u00ed \u017ee kdy\u017e si vezmou p\u016fj\u010dku a nemaj\u00ed na spl\u00e1cen\u00ed, nebudou muset spl\u00e1cet. Jestli jste alespo\u0148 trochu zodpov\u011bdn\u00ed, nikdy si neberte p\u016fj\u010dku na n\u011bco co nutn\u011b nepot\u0159ebujete a v\u017edy si rad\u011bji projd\u011bte nab\u00eddky nejprve u bank. Vyvarujte se p\u016fj\u010dek od firem, kter\u00e9 jsou zn\u00e1m\u00e9 t\u00edm, \u017ee d\u00e1vaj\u00ed p\u016fj\u010dky v\u0161em – je to va\u0161e nejkrat\u0161\u00ed cesta do exekuce. Rad\u011bji si vezm\u011bte p\u016fj\u010dku v bance, kter\u00e1 p\u016fj\u010dky ned\u00e1v\u00e1 bez rozmyslu ka\u017ed\u00e9mu, kdo si po\u017e\u00e1d\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost je d\u016fle\u017eit\u00e1","item":"https:\/\/www.chiki.cz\/financni-gramotnost-je-dulezita\/#breadcrumbitem"}]}]