[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.playall.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.playall.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"V\u011bd\u011bli jste, \u017ee term\u00edn finan\u010dn\u00ed gramotnost z\u00a0velk\u00e9 \u010d\u00e1sti spad\u00e1 do problematiky vzd\u011bl\u00e1v\u00e1n\u00ed, nejen k\u00a0financ\u00edm? Co je to tedy finan\u010dn\u00ed gramotnost a jak se j\u00ed m\u016f\u017eeme nau\u010dit? Pro\u010d po\u0159\u00e1d velk\u00e9 mno\u017estv\u00ed vyd\u011bl\u00e1vaj\u00edc\u00edch \u017eije od v\u00fdplaty k v\u00fdplat\u011b a jak tomu zabr\u00e1nit? D\u0159\u00edve n\u00e1s finan\u010dn\u00ed gramotnosti nikdo neu\u010dil a \u0159ekli bychom, \u017ee je to chyba, proto\u017ee nejv\u00edce […]","datePublished":"2020-01-19","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.playall.cz\/author\/#Person","name":"","url":"https:\/\/www.playall.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"playall.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.playall.cz\/wp-content\/uploads\/img_a352680_w3131_t1567148797.jpg","url":"https:\/\/www.playall.cz\/wp-content\/uploads\/img_a352680_w3131_t1567148797.jpg","height":0,"width":0},"url":"https:\/\/www.playall.cz\/financni-gramotnost\/","about":["Auto moto"],"wordCount":467,"articleBody":"V\u011bd\u011bli jste, \u017ee term\u00edn finan\u010dn\u00ed gramotnost z\u00a0velk\u00e9 \u010d\u00e1sti spad\u00e1 do problematiky vzd\u011bl\u00e1v\u00e1n\u00ed, nejen k\u00a0financ\u00edm? Co je to tedy finan\u010dn\u00ed gramotnost a jak se j\u00ed m\u016f\u017eeme nau\u010dit? Pro\u010d po\u0159\u00e1d velk\u00e9 mno\u017estv\u00ed vyd\u011bl\u00e1vaj\u00edc\u00edch \u017eije od v\u00fdplaty k v\u00fdplat\u011b a jak tomu zabr\u00e1nit?\tD\u0159\u00edve n\u00e1s finan\u010dn\u00ed gramotnosti nikdo neu\u010dil a \u0159ekli bychom, \u017ee je to chyba, proto\u017ee nejv\u00edce lid\u00ed, kte\u0159\u00ed maj\u00ed po\u0159\u00e1d probl\u00e9m s\u00a0\u00fasporou pen\u011bz, pat\u0159\u00ed pr\u00e1v\u011b do t\u00e9 skupiny. Tito lid\u00e9 \u017eij\u00ed od v\u00fdplaty k\u00a0v\u00fdplat\u011b, nemaj\u00ed \u017e\u00e1dnou finan\u010dn\u00ed rezervu a v\u00a0p\u0159\u00edpad\u011b n\u011bjak\u00e9 v\u011bt\u0161\u00ed pot\u0159eby pen\u011bz nemaj\u00ed, kam s\u00e1hnout.\tCo spad\u00e1 do finan\u010dn\u00ed gramotnosti?\t\u00a0\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 schopnost vyd\u011blat si pen\u00edze\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 schopnost spr\u00e1vn\u011b operovat se sv\u00fdmi p\u0159\u00edjmy a v\u00fddaji\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 schopnost zbyte\u010dn\u011b neutr\u00e1cet\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 schopnost utvo\u0159it si finan\u010dn\u00ed rezervu, spo\u0159it, investovat, aj.\t\u0158\u00edk\u00e1 se, \u017ee ka\u017ed\u00fd vyd\u011bl\u00e1vaj\u00edc\u00ed \u010dlov\u011bk by m\u011bl m\u00edt \u00faspory ve v\u00fd\u0161i minim\u00e1ln\u011b 3 \u010dist\u00fdch m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f. Vezmeme si vzorov\u00fd plat 30\u00a0000 CZK \u010dist\u00e9ho\/m\u011bs\u00ed\u010dn\u011b. Abychom byli tzv. finan\u010dn\u011b zabezpe\u010deni, m\u011bli bychom tedy disponovat \u010d\u00e1stkou minim\u00e1ln\u011b 90\u00a0000 CZK. Dal\u0161\u00ed pou\u010dka \u0159\u00edk\u00e1, \u017ee ide\u00e1ln\u00edm stavem je odkl\u00e1dat si m\u011bs\u00ed\u010dn\u011b 10 % sv\u00e9ho p\u0159\u00edjmu stranou a tvo\u0159it si finan\u010dn\u00ed rezervu. 10 % z\u00a030\u00a0000 CZK jsou 3\u00a0000 CZK. V\u00a0r\u00e1mci 10% pou\u010dky bychom m\u011bli tedy ro\u010dn\u011b u\u0161et\u0159it 36\u00a0000 CZK, za 2 roky to bude 72\u00a0000 CZK. Za dal\u0161\u00edch 6 m\u011bs\u00edc\u016f disponujeme \u010d\u00e1stkou 80\u00a0000 CZK. U\u0161et\u0159it n\u00e1m tedy trvalo 2 a p\u016fl roku.\tDoporu\u010dujeme aplikovat tyto postupy i ve Va\u0161em \u017eivot\u011b, pokud chcete b\u00fdt dob\u0159e finan\u010dn\u011b zabezpe\u010den\u00ed a mysl\u00edte na svoji budoucnost.\tMus\u00edte si hl\u00eddat Va\u0161e p\u0159\u00edjmy a v\u00fddaje, analyzovat, za co m\u011bs\u00ed\u010dn\u011b utr\u00e1c\u00edte v\u0161echny pen\u00edze. Pi\u0161te si 1\u00a0m\u011bs\u00edc v\u0161echny sv\u00e9 v\u00fddaje a pak se sami pod\u00edvejte, zda V\u00e1m tam n\u011bkde neunikaj\u00ed pen\u00edze, zda neutr\u00e1c\u00edte za n\u011bjak\u00e9 zbyte\u010dnosti.\tD\u016fle\u017eit\u00e9 je o pen\u011bz\u00edch p\u0159em\u00fd\u0161let a s\u00a0t\u00edm V\u00e1m m\u016f\u017ee pomoct pr\u00e1v\u011b finan\u010dn\u00ed gramotnost. V\u00a0\u010cesk\u00e9 republice se sna\u017e\u00edme finan\u010dn\u00ed gramotnosti nau\u010dit \u017e\u00e1ky u\u017e z\u00e1kladn\u00edch, st\u0159edn\u00edch a vysok\u00fdch \u0161kol. Banky p\u0159ich\u00e1z\u00ed s\u00a0programy, kde nap\u0159. pot\u00e9 spolupracuj\u00ed ze Z\u0160 a vyhla\u0161uj\u00ed r\u016fzn\u00e9 sout\u011b\u017ee. Na internetu najdete spoustu online kurz\u016f, kter\u00e9 tak\u00e9 vysv\u011btluj\u00ed problematiku finan\u010dn\u00ed gramotnosti.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.playall.cz\/financni-gramotnost\/#breadcrumbitem"}]}]