[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.george-dennis.cz\/cesi-neumi-setrit-a-k-tomu-uzaviraji-spoustu-uveru\/#Article","mainEntityOfPage":"https:\/\/www.george-dennis.cz\/cesi-neumi-setrit-a-k-tomu-uzaviraji-spoustu-uveru\/","headline":"\u010ce\u0161i neum\u00ed \u0161et\u0159it a k tomu uzav\u00edraj\u00ed spoustu \u00fav\u011br\u016f","name":"\u010ce\u0161i neum\u00ed \u0161et\u0159it a k tomu uzav\u00edraj\u00ed spoustu \u00fav\u011br\u016f","description":"Pr\u016fzkum agentury NMS pro \u010ceskou bankovn\u00ed asociaci, kter\u00fd se uskute\u010dnil mezi 1030 respondenty uk\u00e1zal, \u017ee \u010ce\u0161i nejen, \u017ee nejsou zvykl\u00ed \u0161et\u0159it, ale tak\u00e9 si hodn\u011b p\u016fj\u010duj\u00ed. \u00daspory by p\u0159itom m\u011bli pat\u0159it mezi pravideln\u00e9 v\u00fddaje a \u010d\u00e1stku ur\u010denou jako \u00faspory je dobr\u00e9 si ulo\u017eit na spo\u0159\u00edc\u00ed \u00fa\u010det nebo tzv. \u201epod matraci\u201c nikoli p\u0159ed v\u00fdplatou, ale ve chv\u00edli, kdy ji dostaneme. V\u00e1\u0161<br><br><a class=\"more-link\" href=\"https:\/\/www.george-dennis.cz\/cesi-neumi-setrit-a-k-tomu-uzaviraji-spoustu-uveru\/\">Read More<\/a>","datePublished":"2025-03-03","dateModified":"2025-03-03","author":{"@type":"Person","@id":"https:\/\/www.george-dennis.cz\/author\/#Person","name":"","url":"https:\/\/www.george-dennis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"george-dennis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.george-dennis.cz\/wp-content\/uploads\/img_a309128_w2123_t1520094237.jpg","url":"https:\/\/www.george-dennis.cz\/wp-content\/uploads\/img_a309128_w2123_t1520094237.jpg","height":0,"width":0},"url":"https:\/\/www.george-dennis.cz\/cesi-neumi-setrit-a-k-tomu-uzaviraji-spoustu-uveru\/","wordCount":513,"articleBody":"Pr\u016fzkum agentury NMS pro \u010ceskou bankovn\u00ed asociaci, kter\u00fd se uskute\u010dnil mezi 1030 respondenty uk\u00e1zal, \u017ee \u010ce\u0161i nejen, \u017ee nejsou zvykl\u00ed \u0161et\u0159it, ale tak\u00e9 si hodn\u011b p\u016fj\u010duj\u00ed. \u00daspory by p\u0159itom m\u011bli pat\u0159it mezi pravideln\u00e9 v\u00fddaje a \u010d\u00e1stku ur\u010denou jako \u00faspory je dobr\u00e9 si ulo\u017eit na spo\u0159\u00edc\u00ed \u00fa\u010det nebo tzv. \u201epod matraci\u201c nikoli p\u0159ed v\u00fdplatou, ale ve chv\u00edli, kdy ji dostaneme.  V\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed rodinn\u00fd rozpo\u010det by se m\u011bl pohybovat ve t\u0159ech oblastech. \u010c\u00e1stku ve v\u00fd\u0161i 50% va\u0161eho p\u0159\u00edjmu byste si m\u011bli nechat na nutn\u00e9 a pravideln\u00e9 v\u00fddaje jako je n\u00e1jem, energie, internet \u010di j\u00eddlo, 20% p\u0159\u00edjmu zaslat na spo\u0159\u00edc\u00ed \u00fa\u010det nebo d\u00e1t pod matraci a30% si nechat na aktivity voln\u00e9ho \u010dasu jako je chozen\u00ed do kina, na v\u00fdlety a podobn\u011b. P\u016fj\u010dky, p\u016fj\u010dky a dal\u0161\u00ed p\u016fj\u010dky Cel\u00fdch 27% \u010cech\u016f v sou\u010dasnosti spl\u00e1c\u00ed n\u011bjak\u00fd druh p\u016fj\u010dky \u010di \u00fav\u011bru. Dal\u0161\u00edch 37% m\u00e1 za sebou v\u011bt\u0161\u00ed \u010di men\u0161\u00ed \u00fav\u011brovou minulost. Co se t\u00fdk\u00e1 po\u010dtu p\u016fj\u010dek na jednoho \u010cecha, tak ty se pohybuj\u00ed u v\u00edce ne\u017e t\u0159etiny spl\u00e1cej\u00edc\u00edch na dvou a v\u00edce uzav\u0159en\u00fdch p\u016fj\u010dk\u00e1ch. Neuv\u011b\u0159iteln\u00fdch 37% z n\u00e1s si p\u0159itom p\u016fj\u010duje, proto\u017ee nejsou ochotni spo\u0159it a 41% uzav\u00edr\u00e1 \u00fav\u011bry z d\u016fvodu slevov\u00fdch akc\u00ed. Z d\u016fvodu aktu\u00e1ln\u00edho nedostatku pen\u011bz p\u016fj\u010dku uzav\u00edr\u00e1 35% ob\u010dan\u016f, kte\u0159\u00ed v sou\u010dasnosti spl\u00e1c\u00ed dluh. Na co si nej\u010dast\u011bji p\u016fj\u010dujeme? Z pr\u016fzkum\u016f vypl\u00fdv\u00e1, \u017ee si nej\u010dast\u011bji p\u016fj\u010dujeme na elektroniku. Na elektronick\u00e9 zbo\u017e\u00ed si p\u016fj\u010dilo 30% respondent\u016f, 24% si p\u016fj\u010dilo na b\u00edl\u00e9 zbo\u017e\u00ed, tedy dom\u00e1c\u00ed spot\u0159ebi\u010de. Na ostatn\u00ed slo\u017eky bytov\u00e9ho za\u0159\u00edzen\u00ed si p\u016fj\u010dilo 15% lid\u00ed a na auto potom 22% respondent\u016f. Jak je vid\u011bt, nej\u010dast\u011bji si p\u016fj\u010dujeme na p\u0159edm\u011bty denn\u00ed pot\u0159eby, na spot\u0159ebi\u010de a auta. Nen\u00ed ale \u017e\u00e1dnou v\u00fdjimkou, \u017ee si lid\u00e9 p\u016fj\u010duj\u00ed tak\u00e9 na dovolen\u00e9 nebo na v\u00e1no\u010dn\u00ed d\u00e1rky. Rizikov\u00e9 dluhy V posledn\u00edch letech jsme se stali velice netrp\u011bliv\u00fdmi a materialistick\u00fdmi lidmi. Proto si \u010d\u00edm d\u00e1l v\u00edce p\u016fj\u010dujeme na v\u011bci, na kter\u00e9 nem\u00e1me pen\u00edze, i kdy\u017e je akutn\u011b nepot\u0159ebujeme. Abychom \u00fav\u011br z\u00edskali skute\u010dn\u011b rychle, uzav\u00edr\u00e1me nebankovn\u00ed p\u016fj\u010dky, nebo uzav\u00edr\u00e1me \u00fav\u011bry p\u0159\u00edmo od prodejce zbo\u017e\u00ed. Takov\u00e9 p\u016fj\u010dky jsou ale \u010dasto rizikov\u00e9, maj\u00ed vysok\u00e9 \u00fav\u011bry i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Jsou sice kr\u00e1tkodob\u00e9 a z\u00edsk\u00e1te pen\u00edze prakticky na cokoli okam\u017eit\u011b, ale maj\u00ed rozhodn\u011b sv\u00e9 velk\u00e9 ALE. Rizikov\u00e9ho p\u016fj\u010dov\u00e1n\u00ed se v sou\u010dasnosti neboj\u00ed cel\u00e1 t\u0159etina spl\u00e1cej\u00edc\u00edch.                                                                                                                                                                                                                                                                                                                                                                                                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