[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aanet.cz\/cesi-jednaji-impulzivne\/#Article","mainEntityOfPage":"https:\/\/www.aanet.cz\/cesi-jednaji-impulzivne\/","headline":"\u010ce\u0161i jednaj\u00ed impulzivn\u011b","name":"\u010ce\u0161i jednaj\u00ed impulzivn\u011b","description":"Je pravdou, \u017ee spo\u0159it si na ur\u010dit\u00e9 v\u011bci \u0159\u00e1dku let se ji\u017e dneska moc nevid\u00ed. P\u016fj\u010dky a spot\u0159ebn\u00ed \u00fav\u011bry jsou velmi snadno dostupn\u00e9 a tak je mnohem rychlej\u0161\u00ed si zvolit verzi m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. P\u0159esto bychom ale m\u011bli m\u00edt na pam\u011bti, \u017ee snadn\u011bji se p\u016fj\u010duje, ale hor\u0161\u00ed je to se spl\u00e1cen\u00edm. Je to prakticky z\u00e1vazek, kter\u00e9ho … ","datePublished":"2023-06-08","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.aanet.cz\/author\/#Person","name":"","url":"https:\/\/www.aanet.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aanet.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a330144_w2674_t1542711022.jpg","url":"https:\/\/www.aanet.cz\/wp-content\/uploads\/img_a330144_w2674_t1542711022.jpg","height":0,"width":0},"url":"https:\/\/www.aanet.cz\/cesi-jednaji-impulzivne\/","wordCount":473,"articleBody":"Je pravdou, \u017ee spo\u0159it si na ur\u010dit\u00e9 v\u011bci \u0159\u00e1dku let se ji\u017e dneska moc nevid\u00ed. P\u016fj\u010dky a spot\u0159ebn\u00ed \u00fav\u011bry jsou velmi snadno dostupn\u00e9 a tak je mnohem rychlej\u0161\u00ed si zvolit verzi m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek. P\u0159esto bychom ale m\u011bli m\u00edt na pam\u011bti, \u017ee snadn\u011bji se p\u016fj\u010duje, ale hor\u0161\u00ed je to se spl\u00e1cen\u00edm. Je to prakticky z\u00e1vazek, kter\u00e9ho mus\u00edme dost\u00e1t, i kdyby zrovna na to v\u00a0pen\u011b\u017eence nebylo. Ot\u00e1zkou je pak, co budeme v\u00a0takovou chv\u00edli d\u011blat, abychom se nedostali do v\u011bt\u0161\u00edch probl\u00e9m\u016f. Jenom\u017ee na to se u\u017e tak moc nemysl\u00ed, ono se to zkr\u00e1tka v\u017edycky n\u011bjak ud\u011bl\u00e1. Impulzivn\u00ed jedn\u00e1n\u00ed m\u016f\u017ee spustit docela nebezpe\u010dnou j\u00edzdu na koloto\u010di. Mo\u017en\u00e1 je dobr\u00e9 zv\u00e1\u017eit, zdali skute\u010dn\u011b pot\u0159ebujeme tak drah\u00e9 d\u00e1rky, dovolenou v\u00a0zahrani\u010d\u00ed nebo posledn\u00ed model vybran\u00e9 zna\u010dky automobilu. Mo\u017en\u00e1 by n\u00e1m mohlo pomoci p\u00e1r rad, ne\u017e ud\u011bl\u00e1me un\u00e1hlen\u00e9 rozhodnut\u00ed.\t1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159ehled \u2013 to je z\u00e1klad spr\u00e1vn\u00e9ho hospoda\u0159en\u00ed. Je t\u0159eba si ud\u011blat jasnou p\u0159edstavu o tom, jak vypadaj\u00ed na\u0161e rodinn\u00e9 finance, p\u0159\u00edjmy a v\u00fddaje. Je dobr\u00e9 po\u010d\u00edtat je\u0161t\u011b s\u00a0v\u00fddaji nav\u00edc a pak hned vid\u00edme, zdali bude zb\u00fdvat je\u0161t\u011b n\u011bco na spl\u00e1tku. Mo\u017en\u00e1 budeme p\u0159ekvapeni, \u017ee vlastn\u011b jsme hodn\u011b na tenk\u00e9 hran\u011b.\t2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jistota \u2013 pokud nev\u00edme jak po\u0159\u00e1dn\u011b v\u0161echno spo\u010d\u00edtat, tak si m\u016f\u017eeme vz\u00edt k\u00a0ruce i n\u011bjakou bankovn\u00ed aplikaci, ta n\u00e1m dok\u00e1\u017ee spo\u010d\u00edtat nejen z\u00e1kladn\u00ed hospoda\u0159en\u00ed, ale i upozorn\u00ed na chyby, kter\u00e9 m\u016f\u017eeme snadno d\u011blat.\t3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rezerva \u2013 ka\u017ed\u00e1 rodina by ji m\u011bla m\u00edt, nikdo toti\u017e nev\u00ed, co ho v\u00a0\u017eivot\u011b \u010dek\u00e1 a pak to bude poklad v\u00a0nouzi, kter\u00fd r\u00e1di uvid\u00edme. M\u011bla by odpov\u00eddat trojn\u00e1sobku m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f na\u0161\u00ed dom\u00e1cnosti. Pokud rezerva nen\u00ed, tak bude i p\u016fj\u010dka velmi rizikov\u00e1.\t\t4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Rezerva chyb\u00ed \u2013 i to je mo\u017en\u00e9, pak by n\u00e1m rezervu mohl vytvo\u0159it je\u0161t\u011b i bankovn\u00ed produkt v\u00a0podob\u011b kontokorentu nebo kreditn\u00ed karty, ale u\u017e mus\u00edme po\u010d\u00edtat, \u017ee to nejsou na\u0161e pen\u00edze, ale banky a ta je bude cht\u00edt rozhodn\u011b vr\u00e1tit a to i s\u00a0\u00faroky.\t5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Bez p\u016fj\u010dky \u2013 je to nejlep\u0161\u00ed \u0159e\u0161en\u00ed, nep\u016fj\u010dovat si a to obzvl\u00e1\u0161t\u011b v\u00a0tom p\u0159\u00edpad\u011b, \u017ee n\u00e1m ji\u017e banka neschv\u00e1lila minusov\u00fd \u00fa\u010det. Ned\u011bl\u00e1 to pro svoji z\u00e1bavu, ale pro na\u0161i bezpe\u010dnost, aby n\u00e1s ochr\u00e1nila od finan\u010dn\u00edch past\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i jednaj\u00ed impulzivn\u011b","item":"https:\/\/www.aanet.cz\/cesi-jednaji-impulzivne\/#breadcrumbitem"}]}]