[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.menas.cz\/pujcit-si-penize-na-vanocni-darky-ano-ci-ne\/#Article","mainEntityOfPage":"https:\/\/www.menas.cz\/pujcit-si-penize-na-vanocni-darky-ano-ci-ne\/","headline":"P\u016fj\u010dit si pen\u00edze na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 ano \u010di ne","name":"P\u016fj\u010dit si pen\u00edze na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 ano \u010di ne","description":"N\u011bkter\u00e9 p\u016fj\u010dky lze pova\u017eovat za zbyte\u010dn\u00e9, jin\u00e9 jsou naopak \u0159e\u0161en\u00edm, zvl\u00e1\u0161t\u011b v p\u0159\u00edpadech, kdy s\u00e1z\u00edte na jistotu. V \u017eivot\u011b se st\u00e1vaj\u00ed situace, kdy v\u00e1m v\u011bt\u0161\u00ed obnos vypom\u016f\u017ee vy\u0159e\u0161it bydlen\u00ed, zakoupit pozemek nebo d\u016fm ur\u010den\u00fd k rekonstrukci. Rozhoduje p\u0159i tom p\u0159edev\u0161\u00edm […]","datePublished":"2018-05-28","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.menas.cz\/author\/#Person","name":"","url":"https:\/\/www.menas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"menas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.menas.cz\/wp-content\/uploads\/img_a321514_w2368_t1532764047.jpg","url":"https:\/\/www.menas.cz\/wp-content\/uploads\/img_a321514_w2368_t1532764047.jpg","height":0,"width":0},"url":"https:\/\/www.menas.cz\/pujcit-si-penize-na-vanocni-darky-ano-ci-ne\/","about":["Ekonomika"],"wordCount":481,"articleBody":" N\u011bkter\u00e9 p\u016fj\u010dky lze pova\u017eovat za zbyte\u010dn\u00e9, jin\u00e9 jsou naopak \u0159e\u0161en\u00edm, zvl\u00e1\u0161t\u011b v p\u0159\u00edpadech, kdy s\u00e1z\u00edte na jistotu. V \u017eivot\u011b se st\u00e1vaj\u00ed situace, kdy v\u00e1m v\u011bt\u0161\u00ed obnos vypom\u016f\u017ee vy\u0159e\u0161it bydlen\u00ed, zakoupit pozemek nebo d\u016fm ur\u010den\u00fd k rekonstrukci. Rozhoduje p\u0159i tom p\u0159edev\u0161\u00edm finan\u010dn\u00ed gramotnost, tehdy si lid\u00e9 dok\u00e1\u017eou p\u0159edem vypo\u010d\u00edtat, kolik p\u0159eplat\u00ed, zda se jim to v\u016fbec vyplat\u00ed, event. jak rychl\u00e1 bude n\u00e1vratnost investice v p\u0159\u00edpad\u011b pron\u00e1jmu, n\u00e1klad\u016f do renovace objektu, nebo do jeho vybaven\u00ed.  P\u0159edv\u00e1no\u010dn\u00ed tlak Zaj\u00edmav\u00e9 v\u00fdsledky p\u0159inesla statistika, kter\u00e1 vyu\u017eila zku\u0161enost\u00ed p\u0159edn\u00edch sv\u011btov\u00fdch psycholog\u016f. Jednalo se o pr\u016fzkum ve\u0159ejn\u00e9ho m\u00edn\u011bn\u00ed zorganizovan\u00fd ve dvou rozd\u00edln\u00fdch ro\u010dn\u00edch obdob\u00edch, kter\u00fd se t\u00fdkal drobn\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a \u010derp\u00e1n\u00ed financ\u00ed z kreditn\u00edch karet. Prvn\u00ed pr\u016fzkum se uskute\u010dnil v obdob\u00ed pozdn\u00edho l\u00e9ta, kdy jsou lid\u00e9 v\u011bt\u0161inou ji\u017e odpo\u010dat\u00ed po dovolen\u00e9. Koncem srpna p\u0159ich\u00e1z\u00ed obecn\u011b doba \u00fatlumu \u2013 lid\u00e9 se nestresuj\u00ed kv\u016fli dovolen\u00e9 a nepl\u00e1nuj\u00ed \u017e\u00e1dn\u00e9 v\u011bt\u0161\u00ed v\u00fddaje v dom\u00e1cnosti. V t\u00e9to dob\u011b je z\u00e1jem o drobn\u00e9 \u00fav\u011bry minim\u00e1ln\u00ed. Druh\u00fd pr\u016fzkum prob\u011bhl dva t\u00fddny p\u0159ed v\u00e1no\u010dn\u00edmi sv\u00e1tky, kdy nar\u016fst\u00e1 tlak na \u0159adu lid\u00ed, kte\u0159\u00ed se rozhoduj\u00ed, \u010d\u00edm obdarovat sv\u00e9 bl\u00edzk\u00e9. V\u00e1noce toti\u017e p\u0159edstavuj\u00ed sice nejpohotov\u011bj\u0161\u00ed sv\u00e1tky v roce, ov\u0161em neplat\u00ed to pro ka\u017ed\u00e9ho. Mnoho lid\u00ed se v t\u00e9to dob\u011b zbyte\u010dn\u011b stresuje a nev\u00ed si rady, jak\u00e9 d\u00e1rky koupit. Tis\u00edce lid\u00ed v \u010cesku pak dokonce s\u00e1hnou po spot\u0159ebitelsk\u00e9m \u00fav\u011bru (v\u011bt\u0161inou do 30 tis\u00edc korun). P\u0159ed v\u00e1nocemi vzroste po\u010det men\u0161\u00edch p\u016fj\u010dek \u0159\u00e1dov\u011b a\u017e o stovky procent.  Finan\u010dn\u00ed gramotnost N\u011bkte\u0159\u00ed finan\u010dn\u00ed poradci navrhuj\u00ed zv\u00fd\u0161it finan\u010dn\u00ed gramotnost sou\u010dasn\u00e9 populace ji\u017e v r\u00e1mci \u0161koln\u00ed v\u00fduky. \u0160kolou povinn\u00e9 d\u011bti se nazpam\u011b\u0165 bifluj\u00ed \u0159adu pou\u010dek, mus\u00ed si zapamatovat \u00fadaje, kter\u00e9 pak v \u017eivot\u011b v\u016fbec nevyu\u017eij\u00ed, nap\u0159. n\u011bkter\u00e9 letopo\u010dty z d\u011bjin starov\u011bk\u00e9ho \u0158\u00edma by se daly pova\u017eovat za voliteln\u00fd p\u0159edm\u011bt, zat\u00edmco by d\u011btem pomohla praktick\u00e1 v\u00fduka znalost\u00ed \u00farokov\u00fdch sazeb a druh\u016f \u00fav\u011br\u016f. \u010casto se toti\u017e st\u00e1v\u00e1, \u017ee pr\u00e1v\u011b p\u0159ed v\u00e1no\u010dn\u00edmi sv\u00e1tky roste po\u010det nev\u00fdhodn\u00fdch p\u016fj\u010dek, lid\u00e9 si mezi sebou zam\u011b\u0148uj\u00ed druhy \u00farok\u016f, nev\u00ed v\u016fbec, co je to RPSN, nedovedou si p\u0159edem vypo\u010d\u00edtat, kolik ve skute\u010dnosti na \u00fav\u011bru p\u0159eplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                         4.7\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dit si pen\u00edze na v\u00e1no\u010dn\u00ed d\u00e1rky \u2013 ano \u010di ne","item":"https:\/\/www.menas.cz\/pujcit-si-penize-na-vanocni-darky-ano-ci-ne\/#breadcrumbitem"}]}]