[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.onix.cz\/dluhy-a-jejich-nasledky\/#Article","mainEntityOfPage":"https:\/\/www.onix.cz\/dluhy-a-jejich-nasledky\/","headline":"Dluhy a jejich n\u00e1sledky","name":"Dluhy a jejich n\u00e1sledky","description":"V dne\u0161n\u00ed dob\u011b se v\u0161e \u0161\u00edlen\u011b vyvrac\u00ed norm\u00e1lu. Nejd\u0159\u00edve n\u00e1s zas\u00e1hla epidemie covidu. Nemohli jsme ani pomalu vyl\u00e9zat ze sv\u00fdch domov\u016f. Na \u00fastech a nosu jsme byli donuceni nosit rou\u0161ky. Pot\u00e9 n\u00e1sledoval za\u010d\u00e1tek v\u00e1le\u010dn\u00e9ho konfliktu na Ukrajin\u011b, kter\u00fd trv\u00e1 dodnes. S t\u00edm souviselo i obrovsk\u00e9 zdra\u017een\u00ed plynu a elektrick\u00e9 energie. A t\u00edm se hned dost\u00e1v\u00e1me […]","datePublished":"2022-10-14","dateModified":"2022-10-14","author":{"@type":"Person","@id":"https:\/\/www.onix.cz\/author\/devene\/#Person","name":"onix.cz","url":"https:\/\/www.onix.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"onix.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.onix.cz\/wp-content\/uploads\/credit-card-1080074_640.jpg","url":"https:\/\/www.onix.cz\/wp-content\/uploads\/credit-card-1080074_640.jpg","height":0,"width":0},"url":"https:\/\/www.onix.cz\/dluhy-a-jejich-nasledky\/","about":["Finance"],"wordCount":514,"articleBody":"   V dne\u0161n\u00ed dob\u011b se v\u0161e \u0161\u00edlen\u011b vyvrac\u00ed norm\u00e1lu. Nejd\u0159\u00edve n\u00e1s zas\u00e1hla epidemie covidu. Nemohli jsme ani pomalu vyl\u00e9zat ze sv\u00fdch domov\u016f. Na \u00fastech a nosu jsme byli donuceni nosit rou\u0161ky. Pot\u00e9 n\u00e1sledoval za\u010d\u00e1tek v\u00e1le\u010dn\u00e9ho konfliktu na Ukrajin\u011b, kter\u00fd trv\u00e1 dodnes. S t\u00edm souviselo i obrovsk\u00e9 zdra\u017een\u00ed plynu a elektrick\u00e9 energie. A t\u00edm se hned dost\u00e1v\u00e1me ke dluhov\u00e9 situaci. Proto\u017ee a\u017e mnoh\u00fdm z n\u00e1s p\u0159ijde vy\u00fa\u010dtov\u00e1n\u00ed za elektrickou energii a plyn nebudou n\u00e1m sta\u010dit pen\u00edze na jej\u00ed zaplacen\u00ed. A takhle to bude m\u00edt v\u011bt\u0161ina z n\u00e1s. Mysl\u00edm si, \u017ee a\u017e devades\u00e1t procent. A te\u010f ta stra\u0161liv\u00e1 situace t\u00fdkaj\u00edc\u00ed se inflace. V\u0161echny potraviny jdou nahoru. A to snad ka\u017ed\u00fd t\u00fdden v\u00edc a v\u00edc. V\u017edy\u0165 je to naprosto \u0161\u00edlen\u00e9. A jak se tedy nem\u00e1me dostat do dluh\u016f? Pokud se nechceme dostat do dluh\u016f mus\u00edme zm\u011bnit na\u0161e finan\u010dn\u00ed zvyky. P\u0159estat utr\u00e1cet za hlouposti a m\u00edt dokonal\u00fd p\u0159ehled o tom kolik utr\u00e1c\u00edme a za co. Nikdy nenakupujte na \u00fav\u011br. P\u0159i dluhu si mysl\u00edme, \u017ee vlastn\u00edme v\u011bci, ale je to p\u0159esn\u011b naopak. Kdysi velice moudr\u00fd prezident razil heslo. Nem\u00e1me lidi u\u010dit, jak se dostat z dluh\u016f, ale hlavn\u011b to, jak se do nich nikdy nedostat. Dluhy jenom zp\u016fsobuj\u00ed, \u017ee \u017eijete z vyp\u016fj\u010den\u00fdch pen\u011bz. A to v\u00e1s ur\u010dit\u011b do ni\u010deho dobr\u00e9ho nep\u0159ivede. Jak chcete vracet pen\u00edze, kter\u00e9 ve skute\u010dnosti v\u016fbec nem\u00e1te? Pokud se tedy do dluh\u016f dostanete, d\u011blejte tak abyste ho co nejrychleji splatili. Rady, jak se nedostat do dluh\u016f zn\u00ed: V\u017edy utr\u00e1cejte m\u00e9n\u011b, ne\u017e vyd\u011bl\u00e1v\u00e1te. Pokud dodr\u017e\u00edte tuto radu nikdy se do dluh\u016f nedostanete. D\u011blat dluhy nen\u00ed moudr\u00e9 Nebankovnihypoteky.A je\u0161t\u011b si nav\u00edc dok\u00e1\u017eete vytvo\u0159it finan\u010dn\u00ed rezervu. Jako dal\u0161\u00ed radu si vezm\u011bte k srdci: Nau\u010dte se \u0161et\u0159it. V dob\u00e1ch, kdy se v\u00e1m da\u0159\u00ed, https:\/\/www.podnikatel.cz\/clanky\/online-prodeji-potravin-se-dari-presto-zatim-velkou-expanzi-cekat-nemuzeme\/  tak stejn\u011b myslete na sv\u00e1 zadn\u00ed kole\u010dka. A \u0161et\u0159ete pro jistotu, kdyby se v\u00e1m n\u00e1hodou da\u0159it p\u0159estalo. M\u016f\u017ee se p\u0159ihodit cokoliv. U\u010dte sv\u00e9 d\u011bti finan\u010dn\u00ed gramotnost. U\u010dte je, \u017ee nem\u016f\u017eou m\u00edt v\u0161e co vid\u00ed. U\u010dte je z\u00e1klady piln\u00e9 pr\u00e1ce, b\u00fdt skromn\u00ed a nau\u010dte je spo\u0159it si. Kdy\u017e do n\u011b\u010deho investujete, ujist\u011bte se, \u017ee jste nez\u016fstali zcela bez \u00faspor. A hlavn\u011b si zbyte\u010dn\u011b nikdy nep\u016fj\u010dujte. V\u016fbec na nic. Jako nejv\u011bt\u0161\u00ed hloupost vid\u00edm, p\u016fj\u010dovat si na v\u00e1no\u010dn\u00ed d\u00e1rky nebo dovolenou. Probu\u010fte se a otev\u0159ete sv\u00e9 o\u010di. \u017divot nen\u00ed o tom kolik v\u011bc\u00ed m\u00e1me. Anebo jestli \u017eijeme na dluh.                                                                                                                                                                                                                                                                                                                                                                                                   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