{"id":917,"date":"2023-12-05T22:47:48","date_gmt":"2023-12-05T21:47:48","guid":{"rendered":"https:\/\/www.finblog.cz.triton.blueboard.cz\/?p=917"},"modified":"2023-12-05T22:47:49","modified_gmt":"2023-12-05T21:47:49","slug":"vanoce-spoustu-cechu-stale-laka-davat-dary-ktere-si-nemohou-dovolit","status":"publish","type":"post","link":"https:\/\/finblog.cz\/?p=917","title":{"rendered":"V\u00e1noce \u2013 Spoustu \u010cech\u016f st\u00e1le l\u00e1k\u00e1 d\u00e1vat dary, kter\u00e9 si nemohou dovolit"},"content":{"rendered":"\n

Je pochopiteln\u00e9, \u017ee sv\u00fdm nejbli\u017e\u0161\u00edm chceme v\u017edy dop\u0159\u00e1t jen to nejlep\u0161\u00ed. A v\u00a0obdob\u00ed V\u00e1noc to plat\u00ed dvojn\u00e1sob. Jen\u017ee ne v\u017edy je tomu na\u0161e finan\u010dn\u00ed situace naklon\u011bn\u00e1. A tak fenom\u00e9n V\u00e1noc na spl\u00e1tky z\u016fst\u00e1v\u00e1 velk\u00fdm t\u00e9matem i b\u011bhem leto\u0161n\u00edch sv\u00e1tk\u016f.<\/p>\n\n\n\n

Pro\u010d lid\u00e9 o V\u00e1noc\u00edch utr\u00e1cej\u00ed v\u00edce, ne\u017e by m\u011bli?<\/h2>\n\n\n\n

D\u016fvodem toho, \u017ee \u010ce\u0161i za V\u00e1no\u010dn\u00ed d\u00e1rky st\u00e1le v\u00edce utr\u00e1cej\u00ed pen\u00edze, kter\u00e9 re\u00e1ln\u011b nemaj\u00ed, je p\u0159edev\u0161\u00edm tlak v n\u011bkolika podob\u00e1ch. A\u0165 u\u017e nep\u0159\u00edm\u00fd tlak, kter\u00fd zp\u016fsobuj\u00ed nar\u016fstaj\u00edc\u00ed o\u010dek\u00e1v\u00e1n\u00ed spole\u010dnosti, nebo ten p\u0159\u00edm\u00fd, kter\u00fd vytv\u00e1\u0159ej\u00ed obchodn\u00edci. Pro marketingov\u00e9 kampan\u011b spole\u010dnost\u00ed ba\u017e\u00edc\u00edch po co nejvy\u0161\u0161\u00edm v\u00fdd\u011blku toti\u017e neexistuje lep\u0161\u00ed obdob\u00ed, ne\u017e jsou pr\u00e1v\u011b V\u00e1noce.<\/p>\n\n\n\n

Ne ka\u017ed\u00fd si to p\u0159izn\u00e1, ale mnoho lid\u00ed m\u011b\u0159\u00ed m\u00edru n\u011b\u010d\u00ed n\u00e1klonnosti hodnotou a velikost\u00ed dar\u016f, kter\u00e9 od doty\u010dn\u00e9ho dostane. Jist\u011b si tak dok\u00e1\u017eete p\u0159edstavit situaci, kdy na n\u011bkoho chcete ud\u011blat co nejlep\u0161\u00ed dojem a dok\u00e1zat mu, jak moc v\u00e1m na n\u011bm z\u00e1le\u017e\u00ed, ale m\u00e1te jednu kapsu pr\u00e1zdnou a druhou vysypanou. Pe\u010dliv\u011b vybran\u00e1 kr\u00e1tkodob\u00e1 p\u016fj\u010dka, jako je kup\u0159\u00edkladu tato: https:\/\/proficredit.cz\/kratkodoba-pujcka<\/a>, m\u016f\u017ee b\u00fdt vhodn\u00fdm \u0159e\u0161en\u00edm, nechcete-li se p\u0159edstavy bohat\u00e9ho Je\u017e\u00ed\u0161ka vzd\u00e1t.<\/p>\n\n\n\n

V\u00e1noce jsou mimo jin\u00e9 \u010dasem radosti. A h\u0159ejiv\u00fd pocit, kter\u00fd \u010dlov\u011bk pro\u017e\u00edv\u00e1, kdy\u017e druh\u00e9mu ud\u011bl\u00e1 radost n\u00e1dhern\u00fdm d\u00e1rkem, je nepopsateln\u00fd. Nen\u00ed proto divu, \u017ee chceme sv\u00fdm milovan\u00fdm d\u00e1t to, po \u010dem nejv\u00edce tou\u017e\u00ed, a\u0165 u\u017e skryt\u011b, \u010di otev\u0159en\u011b.<\/p>\n\n\n\n

A to, i kdy\u017e je to n\u011bkdy nad na\u0161e finan\u010dn\u00ed mo\u017enosti. V p\u0159\u00edpad\u011b d\u011bt\u00ed, jejich\u017e v\u00e1no\u010dn\u00ed p\u0159\u00e1n\u00ed velmi ovliv\u0148uje palba v\u0161udyp\u0159\u00edtomn\u00fdch reklam na luxusn\u00ed hra\u010dky, je pochopiteln\u011b je\u0161t\u011b t\u011b\u017e\u0161\u00ed koupi d\u00e1rku na spl\u00e1tky odolat.<\/p>\n\n\n\n

Na d\u00e1rky si nej\u010dast\u011bji p\u016fj\u010dujeme dv\u011bma zp\u016fsoby<\/h2>\n\n\n\n

P\u0159ijde-li na n\u00e1kupy d\u00e1rk\u016f na spl\u00e1tky, maj\u00ed \u010ce\u0161i hned dva favority. Pat\u0159\u00ed mezi n\u011b zejm\u00e9na nebankovn\u00ed p\u016fj\u010dka<\/a> v hodnot\u011b od n\u011bkolika m\u00e1lo tis\u00edc a\u017e po zhruba \u010dtvrt milionu korun.<\/p>\n\n\n\n

Ta je nejlep\u0161\u00edm \u00fav\u011brov\u00fdm n\u00e1strojem pro ty, kte\u0159\u00ed si jinak vysta\u010d\u00ed s vlastn\u00edm p\u0159\u00edjmem a p\u016fj\u010dka je pro n\u011b jednor\u00e1zov\u00fdm \u010di jen velmi ob\u010dasn\u00fdm \u0159e\u0161en\u00edm. V\u00fdhodou tohoto typu spot\u0159ebitelsk\u00e9ho \u00fav\u011bru je rychlost, se kterou ji poskytovatel posoud\u00ed, schv\u00e1l\u00ed a vyplat\u00ed na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det.<\/p>\n\n\n\n

Mezi dal\u0161\u00ed zp\u016fsoby, jak uhradit v\u00e1no\u010dn\u00ed d\u00e1rky, na kter\u00e9 v\u00e1m u\u017e v pen\u011b\u017eence nezbylo dost pen\u011bz, je kreditn\u00ed karta. Ta p\u0159in\u00e1\u0161\u00ed bez\u00faro\u010dn\u00e9 obdob\u00ed n\u011bkolika t\u00fddn\u016f, b\u011bhem kter\u00fdch m\u016f\u017eete nakoupen\u00e9 d\u00e1rky bez nav\u00fd\u0161en\u00ed splatit.<\/p>\n\n\n\n

L\u00e1kav\u00e9 jsou i benefity, kter\u00e9 s n\u011bkter\u00fdmi kreditn\u00edmi kartami p\u0159ich\u00e1zej\u00ed. P\u0159edev\u0161\u00edm pak mo\u017enost cashbacku \u010di jin\u00fdch r\u016fzn\u00fdch slev a voucher\u016f za pou\u017e\u00edv\u00e1n\u00ed kreditn\u00ed karty. Naopak v\u00fdb\u011bry z bankomatu se s kreditn\u00ed kartou nevyplat\u00ed v\u016fbec.<\/p>\n\n\n\n

Krom\u011b rychl\u00fdch spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f a kreditek v\u0161ak lid\u00e9 vyu\u017e\u00edvaj\u00ed tak\u00e9 mo\u017enosti bezplatn\u00e9ho odkladu platby o n\u011bkolik dn\u016f. T\u00e9to slu\u017eby lze vyu\u017e\u00edt p\u0159\u00edmo ve vybran\u00fdch internetov\u00fdch obchodech b\u011bhem volby zp\u016fsobu platby za objedn\u00e1vku.<\/p>\n\n\n\n

Asi 20 % \u010cech\u016f d\u00e1v\u00e1 p\u0159ednost finan\u010dn\u00ed pomoci v r\u00e1mci rodiny \u010di nejbli\u017e\u0161\u00edho okruhu p\u0159\u00e1tel. A ze hry nejsou ani obl\u00edben\u00e9 P2P p\u016fj\u010dky. Naopak mo\u017enosti financov\u00e1n\u00ed daru p\u0159\u00edmo u obchodn\u00edka vyu\u017e\u00edv\u00e1 st\u00e1le m\u00e9n\u011b lid\u00ed. D\u016fvodem jsou \u010dasto nev\u00fdhodn\u00e9 podm\u00ednky.<\/p>\n\n\n\n

Rizika spojen\u00e1 s v\u00e1no\u010dn\u00edmi \u00fav\u011bry a jak se jim vyhnout<\/h2>\n\n\n\n

Kupov\u00e1n\u00ed v\u00e1no\u010dn\u00edch d\u00e1rk\u016f na spl\u00e1tky se m\u016f\u017ee jevit jako pohodln\u00fd zp\u016fsob, jak si nekazit sv\u00e1te\u010dn\u00ed \u010das po\u010d\u00edt\u00e1n\u00edm pen\u011bz. Jen\u017ee je pot\u0159eba si uv\u011bdomit, \u017ee a\u0165 chceme obdarovan\u00e9ho \u010dlov\u011bka oslnit sebev\u00edce, \u0160t\u011bdr\u00fd den ute\u010de jako voda, a zanedlouho budete muset za\u010d\u00edt svou v\u00e1no\u010dn\u00ed p\u016fj\u010dku spl\u00e1cet. Ka\u017ed\u00e9mu, kdo disponuje alespo\u0148 z\u00e1kladn\u00ed finan\u010dn\u00ed gramotnost\u00ed, tak\u00e9 dojde, \u017ee d\u00edky \u00farok\u016fm je po\u0159izovan\u00fd d\u00e1rek v\u011bt\u0161inou tak\u00e9 v\u00fdrazn\u011b dra\u017e\u0161\u00ed.<\/p>\n\n\n\n

P\u0159ed t\u00edm, ne\u017e si kv\u016fli d\u00e1rk\u016fm zalo\u017e\u00edte kreditn\u00ed kartu nebo si sjedn\u00e1te \u00fav\u011br, tak\u00e9 zva\u017ete, zda m\u00e1te dostate\u010dn\u00fd a spolehliv\u00fd p\u0159\u00edjem. Pot\u00e9, co poplat\u00edte sv\u00e9 z\u00e1kladn\u00ed m\u011bs\u00ed\u010dn\u00ed pot\u0159eby jako jsou n\u00e1klady spojen\u00e9 s bydlen\u00edm a stravov\u00e1n\u00edm, v\u00e1m toti\u017e mus\u00ed zb\u00fdvat dost pen\u011bz i na spl\u00e1cen\u00ed \u00fav\u011bru.<\/p>\n\n\n\n

Ka\u017ed\u00e1 opo\u017ed\u011bn\u00e1 spl\u00e1tku zp\u016fsoben\u00e1 zm\u011bnou va\u0161\u00ed \u017eivotn\u00ed \u010di finan\u010dn\u00ed situace p\u0159itom m\u016f\u017ee b\u00fdt za\u010d\u00e1tkem cesty do dluhov\u00e9 pasti. Proto je tak\u00e9 t\u0159eba pe\u010dliv\u011b vyb\u00edrat, od koho a za jak\u00fdch podm\u00ednek si pen\u00edze p\u016fj\u010d\u00edte.<\/p>\n\n\n\n

V\u00e1noce nejsou ni\u010d\u00edm neo\u010dek\u00e1van\u00fdm. D\u011bj\u00ed se ka\u017ed\u00fdm rokem ve stejnou dobu. A proto, chcete-li se vyhnout zbyte\u010dn\u00e9mu zadlu\u017eov\u00e1n\u00ed, je nejlep\u0161\u00edm receptem na spokojen\u00e9 sv\u00e1tky efektivn\u00ed pl\u00e1nov\u00e1n\u00ed rozpo\u010dtu b\u011bhem cel\u00e9ho roku.<\/p>\n\n\n\n

D\u00edky tomu, \u017ee budete m\u00edt o sv\u00fdch p\u0159\u00edjmech a \u00fatrat\u00e1ch p\u0159ehled, se na V\u00e1noce a v\u00fddaje s nimi spojen\u00e9 m\u016f\u017eete p\u0159ipravit dop\u0159edu. Velk\u00e9 oblib\u011b se t\u011b\u0161\u00ed r\u016fzn\u00e9 chytr\u00e9 mobiln\u00ed aplikace pro spr\u00e1vu osobn\u00edch a rodinn\u00fdch financ\u00ed.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Se\u010dteno podtr\u017eeno<\/h2>\n\n\n\n

Podle lo\u0148sk\u00e9ho pr\u016fzkumu \u010cesk\u00e9 bankovn\u00ed asociace utrat\u00ed \u010desk\u00e9 dom\u00e1cnosti za V\u00e1noce v pr\u016fm\u011bru p\u0159es 13 500 K\u010d. Nejv\u011bt\u0161\u00ed polo\u017eku na pomysln\u00e9 sv\u00e1te\u010dn\u00ed \u00fa\u010dtence p\u0159edstavuje samoz\u0159ejm\u011b koup\u011b d\u00e1rk\u016f. Zbytek pak tvo\u0159\u00ed j\u00eddlo a n\u00e1poje spojen\u00e9 s oslavami V\u00e1noc.<\/p>\n\n\n\n

Nezanedbateln\u00e1 je ov\u0161em i suma, kterou utrat\u00edme za v\u00fdzdobu, a\u0165 u\u017e jde o adventn\u00ed v\u011bnce, strome\u010dky nebo t\u0159eba osv\u011btlen\u00ed. Nutno podotknout, \u017ee s touto \u010d\u00e1stkou pat\u0159\u00edme v Evrop\u011b mezi st\u00e1ty, kter\u00e9 za V\u00e1noce utrat\u00ed nejv\u00edce pen\u011bz s ohledem na v\u00fd\u0161i p\u0159\u00edjm\u016f.<\/p>\n\n\n\n

A na co \u017ee si \u010ce\u0161i p\u016fj\u010duj\u00ed nejv\u00edce? \u017deb\u0159\u00ed\u010dku v\u00e1no\u010dn\u00edch d\u00e1rk\u016f na spl\u00e1tky v\u00e9vod\u00ed elektronika a \u0161perky. Hned v z\u00e1v\u011bsu jsou luxusn\u00ed hra\u010dky, sportovn\u00ed pot\u0159eby a zna\u010dkov\u00e9 oble\u010den\u00ed.<\/p>\n\n\n\n

Najdou se v\u0161ak tak\u00e9 lid\u00e9, kte\u0159\u00ed cht\u011bj\u00ed u strome\u010dku sv\u00e9 drah\u00e9 polovi\u010dce vykouzlit \u00fasm\u011bv na tv\u00e1\u0159i exotickou dovolenou. Mezi rodi\u010di bychom pak narazili i na takov\u00e9, kte\u0159\u00ed si nep\u016fj\u010duj\u00ed pen\u00edze na \u017e\u00e1dn\u00fd konkr\u00e9tn\u00ed d\u00e1rek, ale proto, aby jejich d\u011bti pod strome\u010dkem na\u0161ly po\u0159\u00e1dnou hromadu d\u00e1rk\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"

Je pochopiteln\u00e9, \u017ee sv\u00fdm nejbli\u017e\u0161\u00edm chceme v\u017edy dop\u0159\u00e1t jen to nejlep\u0161\u00ed. A v\u00a0obdob\u00ed V\u00e1noc to plat\u00ed dvojn\u00e1sob. Jen\u017ee ne v\u017edy je tomu na\u0161e finan\u010dn\u00ed situace naklon\u011bn\u00e1. A tak fenom\u00e9n V\u00e1noc na spl\u00e1tky z\u016fst\u00e1v\u00e1 velk\u00fdm t\u00e9matem i b\u011bhem leto\u0161n\u00edch sv\u00e1tk\u016f. Pro\u010d lid\u00e9 o V\u00e1noc\u00edch utr\u00e1cej\u00ed v\u00edce, ne\u017e by m\u011bli? D\u016fvodem toho, \u017ee \u010ce\u0161i za V\u00e1no\u010dn\u00ed d\u00e1rky […]<\/p>\n","protected":false},"author":1,"featured_media":919,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[26],"tags":[],"class_list":["post-917","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/917","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=917"}],"version-history":[{"count":0,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/posts\/917\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=\/wp\/v2\/media\/919"}],"wp:attachment":[{"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finblog.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}