[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.babako.cz\/setrime-nase-penize\/#Article","mainEntityOfPage":"https:\/\/www.babako.cz\/setrime-nase-penize\/","headline":"\u0160et\u0159\u00edme na\u0161e pen\u00edze?","name":"\u0160et\u0159\u00edme na\u0161e pen\u00edze?","description":"Co si o tomto t\u00e9matu mysl\u00edte? \u010casto sly\u0161\u00edm kolem sebe n\u00e1zor, \u017ee nen\u00ed pot\u0159eba si pen\u00edze \u0161et\u0159it. Mnoz\u00ed argumentuj\u00ed t\u00edm, \u017ee co po n\u00e1s jednou z\u016fstane? Pen\u00edze se maj\u00ed rozto\u010dit, dokud to jde a nem\u00e1me se omezovat. Je pravda, \u017ee by si \u010dlov\u011bk m\u011bl u\u017e\u00edvat \u017eivota na plno, a ne <a href=\"https:\/\/www.babako.cz\/setrime-nase-penize\/\" class=\"btn btn-link continue-link\">Continue Reading<\/a>","datePublished":"2026-05-07","dateModified":"2026-05-07","author":{"@type":"Person","@id":"https:\/\/www.babako.cz\/author\/#Person","name":"","url":"https:\/\/www.babako.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"babako.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.babako.cz\/wp-content\/uploads\/img_a335045_w2724_t1548441837.jpg","url":"https:\/\/www.babako.cz\/wp-content\/uploads\/img_a335045_w2724_t1548441837.jpg","height":0,"width":0},"url":"https:\/\/www.babako.cz\/setrime-nase-penize\/","wordCount":511,"articleBody":"\tCo si o tomto t\u00e9matu mysl\u00edte? \u010casto sly\u0161\u00edm kolem sebe n\u00e1zor, \u017ee nen\u00ed pot\u0159eba si pen\u00edze \u0161et\u0159it. Mnoz\u00ed argumentuj\u00ed t\u00edm, \u017ee co po n\u00e1s jednou z\u016fstane? Pen\u00edze se maj\u00ed rozto\u010dit, dokud to jde a nem\u00e1me se omezovat. Je pravda, \u017ee by si \u010dlov\u011bk m\u011bl u\u017e\u00edvat \u017eivota na plno, a ne se omezovat, kdy\u017e to nen\u00ed pot\u0159eba. Je pot\u0159eba si ale na ur\u010dit\u00e9 v\u011bci d\u00e1vat pozor a myslet na zadn\u00ed vr\u00e1tka.\t\u00a0\t\u0160et\u0159it?\tDle m\u00e9ho n\u00e1zoru je ur\u010dit\u011b spr\u00e1vn\u00e9 si tvo\u0159it finan\u010dn\u00ed rezervu. Nikdy toti\u017e nev\u00edte, co se m\u016f\u017ee st\u00e1t. Mluv\u00edm z vlastn\u00ed zku\u0161enosti a by\u0165 jsem m\u011bl rezervu, tak ani ta mi neposta\u010dila. Mluv\u00edm zde hlavn\u011b o nemoci, proto\u017ee tu \u010dlov\u011bk neovlivn\u00ed, zkr\u00e1tka p\u0159ijde a za\u010d\u00edn\u00e1 boj. Zde si uv\u011bdomte, \u017ee st\u00e1t po v\u00e1s bude cht\u00edt pen\u00edze stejn\u011b a je mu jedno jestli jste nemocen nebo ne (nap\u0159\u00edklad zdravotn\u00ed poji\u0161t\u011bn\u00ed). Tak\u00e9 v t\u00e9to situaci pot\u0159ebujete platit n\u00e1jem, je pot\u0159eba si tak\u00e9 kupovat j\u00eddlo a p\u0159\u00edpadn\u00e9 l\u00e9ky. Nelze se spol\u00e9hat na d\u00e1vky od st\u00e1tu, kter\u00e9 t\u0159eba nedostanete. V\u017edy je dobr\u00e9 si n\u011bjakou \u010d\u00e1stku ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1dat bokem. Nemus\u00edte b\u00fdt nemocn\u00ed, ale m\u016f\u017ee v\u00e1m vypadnou jeden m\u011bs\u00edc p\u0159\u00edjem a v tomto p\u0159\u00edpad\u011b v\u00e1m finan\u010dn\u00ed pol\u0161t\u00e1\u0159 tak\u00e9 pom\u016f\u017ee. Je t\u0159eba myslet i na nep\u0159edv\u00eddateln\u00e9 ud\u00e1losti, jako je nemoc, nutnost koupit nov\u00fd spot\u0159ebi\u010d, v\u00fdpadek p\u0159\u00edjmu a dal\u0161\u00ed v\u011bci.\t\tM\u016f\u017eete si odkl\u00e1dat jen tolik, kolik zvl\u00e1d\u00e1te, nen\u00ed pot\u0159eba odkl\u00e1dat velk\u00e9 \u010d\u00e1stky, pokud na to nem\u00e1te mo\u017enosti. Finance si m\u016f\u017eete \u0161et\u0159it na zvl\u00e1\u0161tn\u00edm b\u011b\u017en\u00e9m \u00fa\u010dtu, samoz\u0159ejm\u011b i na spo\u0159\u00edc\u00edm \u00fa\u010dtu, p\u0159\u00edpadn\u011b doma. Forma odkl\u00e1d\u00e1n\u00ed pen\u011bz z\u00e1le\u017e\u00ed \u010dist\u011b na va\u0161em rozhodnut\u00ed. V nep\u0159edv\u00eddateln\u00fdch situac\u00edch se v\u00e1m n\u00e1sledn\u011b pen\u00edze budou hodit. Budete si moci udr\u017eet ur\u010ditou \u017eivotn\u00ed \u00farove\u0148 po n\u011bjakou dobu. Nav\u00edc je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee pokud m\u00e1te spl\u00e1tky, tak je pot\u0159eba je tak\u00e9 spl\u00e1cet. Samoz\u0159ejm\u011b, \u017ee pokud jste n\u011bjak nemocn\u00ed, p\u0159\u00edpadn\u011b se cokoliv stane, lze se s bankou domluvit na odkladu spl\u00e1tek, ale nejde to po\u0159\u00e1d.\u00a0 Myslete na zadn\u00ed vr\u00e1tka a v\u011bnujte i p\u00e1r korun m\u011bs\u00ed\u010dn\u011b odkl\u00e1d\u00e1n\u00ed bokem. Nen\u00ed rozhodn\u011b dobr\u00e9 \u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b a nem\u00edt \u017e\u00e1dnou rezervu. S\u00e1m v\u00edm, \u017ee v dne\u0161n\u00ed dob\u011b to nen\u00ed jednoduch\u00e9 a pokud nem\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem, m\u00e1te rodinu, tak se t\u011b\u017eko \u0161et\u0159\u00ed. Zkuste alespo\u0148 n\u011bco odkl\u00e1dat.\u00a0"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160et\u0159\u00edme na\u0161e pen\u00edze?","item":"https:\/\/www.babako.cz\/setrime-nase-penize\/#breadcrumbitem"}]}]