[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.benago.cz\/finance-v-soucasne-domacnosti\/#Article","mainEntityOfPage":"https:\/\/www.benago.cz\/finance-v-soucasne-domacnosti\/","headline":"Finance v sou\u010dasn\u00e9 dom\u00e1cnosti","name":"Finance v sou\u010dasn\u00e9 dom\u00e1cnosti","description":"Zadlu\u017eenost. Toto slov\u00ed\u010dko tr\u00e1p\u00ed mnoh\u00fdch z n\u00e1s, ale jsou lid\u00e9, kte\u0159\u00ed se chovaj\u00ed tak, jako by jim to bylo jedno. V cel\u00e9m sv\u011bt\u011b, a t\u00fdk\u00e1 se to bohu\u017eel i na\u0161\u00ed …","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.benago.cz\/author\/#Person","name":"","url":"https:\/\/www.benago.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"benago.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.benago.cz\/wp-content\/uploads\/img_a328143_w2607_t1540547782.jpg","url":"https:\/\/www.benago.cz\/wp-content\/uploads\/img_a328143_w2607_t1540547782.jpg","height":0,"width":0},"url":"https:\/\/www.benago.cz\/finance-v-soucasne-domacnosti\/","about":["Finance"],"wordCount":549,"articleBody":"Zadlu\u017eenost. Toto slov\u00ed\u010dko tr\u00e1p\u00ed mnoh\u00fdch z n\u00e1s, ale jsou lid\u00e9, kte\u0159\u00ed se chovaj\u00ed tak, jako by jim to bylo jedno. V cel\u00e9m sv\u011bt\u011b, a t\u00fdk\u00e1 se to bohu\u017eel i na\u0161\u00ed zem\u011b, jsou velk\u00e9 majetkov\u00e9 rozd\u00edly ve spole\u010densk\u00fdch skupin\u00e1ch. Vy\u0161\u0161\u00ed t\u0159\u00edda \u2013 st\u0159edn\u00ed t\u0159\u00edda \u2013 chud\u00ed lid\u00e9.
 
 \u00b7 Vy\u0161\u0161\u00ed t\u0159\u00edda, kam pat\u0159\u00ed bohat\u00ed lid\u00e9, ti t\u00e9\u017e mohou b\u00fdt velmi zadlu\u017eeni, zvl\u00e1\u0161\u0165 pokud vlastn\u00ed firmy, kter\u00e9 se bez \u00fav\u011br\u016f od bank neobejdou. Ale sv\u00fdm podnik\u00e1n\u00edm si dok\u00e1\u017eou zajistit sv\u016fj soukrom\u00fd majetek tak, \u017ee budou m\u00edt pro sebe a sv\u00e9 potomky \u201emo\u0159e pen\u011bz\u201c zaji\u0161t\u011bn\u00e9 na dlouh\u00e9 roky.
 \u00b7 St\u0159edn\u00ed t\u0159\u00edda, do kter\u00e9 pat\u0159\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed zaji\u0161t\u011bn\u00fd velmi slu\u0161n\u00fd p\u0159\u00edjem na roky dop\u0159edu, samoz\u0159ejm\u011b z\u00e1sluhou sv\u00e9ho \u00fasil\u00ed. I mezi nimi jsou lid\u00e9, kte\u0159\u00ed maj\u00ed dost velk\u00e9 finan\u010dn\u00ed z\u00e1vazky. Ale ve velk\u00e9 v\u011bt\u0161in\u011b je zvl\u00e1daj\u00ed spl\u00e1cet.
 \u00b7 Chud\u00ed lid\u00e9 \u2013 tato spole\u010densk\u00e1 skupina, a\u0165 se jedn\u00e1 o jednotlivce nebo rodiny, \u017eij\u00ed p\u0159ev\u00e1\u017en\u011b z v\u00fdplaty do v\u00fdplaty. Ti, kdy\u017e se zadlu\u017e\u00ed, se v\u011bt\u0161inou ze sv\u00fdch dluh\u016f nedok\u00e1\u017eou vymotat po dlouh\u00e9 roky. PRO\u010c to tak je?
 Finan\u010dn\u00ed a ekonomick\u00e1 nerovnost mezi bohat\u00fdmi a chud\u00fdmi je propastn\u011b velk\u00e1. Snad odjak\u017eiva. Co v\u0161e to ovliv\u0148uje? 
 Je to politika, kter\u00e1 sm\u011b\u0159ovala a sm\u011b\u0159uje z\u00e1m\u011brn\u011b k v\u00fdrazn\u00e9mu soci\u00e1ln\u00edmu rozd\u011blen\u00ed na\u0161ich obyvatel? Je smutn\u00e9, \u017ee n\u00e1\u0161 st\u00e1t zadlu\u017eenost podporuje. Alespo\u0148 to tak vypad\u00e1. \u0158\u00edd\u00ed se p\u0159\u00edkladem z\u00e1padu \u2013 kapitalismu?
 Mnohem v\u00edce financ\u00ed ze st\u00e1tn\u00ed kasy by m\u011blo u\u017e d\u00e1vno sm\u011b\u0159ovat na v\u00fduku finan\u010dn\u00ed gramotnosti, kter\u00e9 by se m\u011bly u\u010dit ve \u0161kole u\u017e i mal\u00e9 d\u011bti.
 V\u00fduka finan\u010dn\u00ed gramotnosti by m\u011bla za\u010d\u00ednat v rodin\u011b. Pokud se zam\u011b\u0159\u00edme na sou\u010dasn\u00e9 finance dom\u00e1cnost\u00ed, tam m\u016f\u017ee b\u00fdt po\u010d\u00e1tekk zadlu\u017eenosti. Rodi\u010de by m\u011bli jak mezi sebou, tak s d\u011btmi, kter\u00e9 jsou \u0161kolou povinn\u00e9, hovo\u0159it o sv\u00e9m hospoda\u0159en\u00ed a pen\u011bz\u00edch. Hovo\u0159it o tom, jak\u00fdm zp\u016fsobem na\u0161et\u0159\u00ed nap\u0159\u00edklad na dovolenou.
 
 Rodi\u010de (a n\u00e1sledn\u011b \u0161kola) by sv\u00e9 d\u011bti m\u011bli nau\u010dit, jak\u00e1 je cena pr\u00e1ce a hodnota pen\u011bz za pr\u00e1ci. D\u011bti by m\u011bli v\u011bd\u011bt, kolik stoj\u00ed nap\u0159\u00edklad jejich sva\u010dina, pro\u010d si nemohou nap\u0159\u00edklad k jednomu rohl\u00edku koupit t\u0159eba 10 dkg \u0161unky. A \u017ee na drah\u00fd mobil se mus\u00ed pen\u00edze postupn\u011b na\u0161et\u0159it i s jejich pomoc\u00ed. M\u011bli by se nau\u010dit nejenom \u0161et\u0159it, ale s rozumem nakl\u00e1dat se sv\u00fdmi financemi a v\u011bcmi.
 Kdy\u017e si mlad\u00ed lid\u00e9 budou muset n\u011bkdy p\u016fj\u010dit ur\u010dit\u00fd finan\u010dn\u00ed obnos, m\u011bli by si b\u00fdt v\u011bdomi, \u017ee je to z\u00e1vazek. Spo\u010d\u00edtat si p\u0159edem, z \u010deho to budou spl\u00e1cet. A hlavn\u011b, \u017ee tento z\u00e1vazek se mus\u00ed splatit v\u010das. Tak se v \u017eivot\u011b nemus\u00ed dostat do dluhov\u00e9 pasti. 
                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finance v sou\u010dasn\u00e9 dom\u00e1cnosti","item":"https:\/\/www.benago.cz\/finance-v-soucasne-domacnosti\/#breadcrumbitem"}]}]