[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bafr.cz\/financni-gramotnost-pro-zacatecniky\/#Article","mainEntityOfPage":"https:\/\/www.bafr.cz\/financni-gramotnost-pro-zacatecniky\/","headline":"Finan\u010dn\u00ed gramotnost pro za\u010d\u00e1te\u010dn\u00edky","name":"Finan\u010dn\u00ed gramotnost pro za\u010d\u00e1te\u010dn\u00edky","description":"1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy mus\u00ed p\u0159evy\u0161ovat v\u00fddaje Pokud tomu tak nen\u00ed, budete muset sn\u00ed\u017eit sv\u00e9 v\u00fddaje. Nejl\u00e9pe zjist\u00edte, za co zbyte\u010dn\u011b utr\u00e1c\u00edte, kdy\u017e si budete pravideln\u011b zaznamen\u00e1vat v\u0161echny sv\u00e9 v\u00fddaje. Z\u00e1rove\u0148 se sna\u017ete zv\u00fd\u0161it sv\u00e9 p\u0159\u00edjmy. Vym\u011b\u0148te zam\u011bstn\u00e1n\u00ed nebo si najd\u011bte je\u0161t\u011b jedno. \u00a0 2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ka\u017ed\u00fd m\u011bs\u00edc minim\u00e1ln\u011b desetinu odlo\u017ete D\u0159\u00edve ne\u017e zaplat\u00edte nezbytn\u00e9 a pust\u00edte se […]","datePublished":"2026-03-01","dateModified":"2026-03-01","author":{"@type":"Person","@id":"https:\/\/www.bafr.cz\/author\/#Person","name":"","url":"https:\/\/www.bafr.cz\/author\/","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":"bafr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bafr.cz\/wp-content\/uploads\/img_a305251_w2099_t1516738968.jpg","url":"https:\/\/www.bafr.cz\/wp-content\/uploads\/img_a305251_w2099_t1516738968.jpg","height":0,"width":0},"url":"https:\/\/www.bafr.cz\/financni-gramotnost-pro-zacatecniky\/","wordCount":464,"articleBody":"1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 P\u0159\u00edjmy mus\u00ed p\u0159evy\u0161ovat v\u00fddajePokud tomu tak nen\u00ed, budete muset sn\u00ed\u017eit sv\u00e9 v\u00fddaje. Nejl\u00e9pe zjist\u00edte, za co zbyte\u010dn\u011b utr\u00e1c\u00edte, kdy\u017e si budete pravideln\u011b zaznamen\u00e1vat v\u0161echny sv\u00e9 v\u00fddaje.Z\u00e1rove\u0148 se sna\u017ete zv\u00fd\u0161it sv\u00e9 p\u0159\u00edjmy. Vym\u011b\u0148te zam\u011bstn\u00e1n\u00ed nebo si najd\u011bte je\u0161t\u011b jedno.\u00a02.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ka\u017ed\u00fd m\u011bs\u00edc minim\u00e1ln\u011b desetinu odlo\u017eteD\u0159\u00edve ne\u017e zaplat\u00edte nezbytn\u00e9 a pust\u00edte se do nakupov\u00e1n\u00ed vysn\u011bn\u00e9ho, odlo\u017ete desetinu p\u0159\u00edjm\u016f dom\u00e1cnosti na speci\u00e1ln\u00ed \u00fa\u010det. Takto hromad\u011bn\u00e9 pen\u00edze m\u016f\u017eete \u010dasem investovat (nemovitost, rozjezd firmy, pod\u00edlov\u00e9 fondy), a t\u00edm si zajistit neust\u00e1l\u00fd tok pen\u011bz.\u00a03.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pl\u00e1nujteV\u00fddaje pl\u00e1nujte dop\u0159edu. Ve\u010fte v\u00a0patrnosti, co bude pot\u0159eba koupit nebo zaplatit (boty, narozeninov\u00fd d\u00e1rek, ly\u017ea\u0159sk\u00fd v\u00fdcvik, povinn\u00e9 ru\u010den\u00ed). Potom budete schopni l\u00e9pe nalo\u017eit se zbytkem pen\u011bz. Drah\u00e9 v\u011bci nepo\u0159izujte narychlo, dejte si p\u00e1r dn\u00ed na rozmy\u0161lenou.\u00a04.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Po\u0159i\u010fte si vlastn\u00ed bydlen\u00ed\u201eLep\u0161\u00ed vrabec v\u00a0hrsti ne\u017e holub na st\u0159e\u0161e.\u201c Mo\u017en\u00e1 bydl\u00edte ve \u0161pi\u010dkov\u00e9m a levn\u00e9m pron\u00e1jmu, ale v\u011b\u0159te, \u017ee nebudete litovat rozhodnut\u00ed investovat do vlastn\u00edho bydlen\u00ed. Hypot\u00e9ky jsou vhodn\u00fdm \u0159e\u0161en\u00edm, kdy\u017e nem\u00e1te dostate\u010dnou hotovost.\u00a05.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Myslete na budoucnostZajist\u011bte si finan\u010dn\u00ed prost\u0159edky pro pozdn\u00ed l\u00e9ta \u017eivota, na st\u00e1t se spolehnout nem\u016f\u017eete. Myslete tak\u00e9 na sv\u00e9 d\u011bti a za\u010dn\u011bte jim alespo\u0148 malou \u010d\u00e1stku odkl\u00e1dat rovnou po narozen\u00ed. Za dvacet let budete r\u00e1di.\u00a06.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u011bnujte pozornost drobn\u00fdm p\u00edsmenk\u016fmReklama ovliv\u0148uje ka\u017ed\u00e9ho z\u00a0n\u00e1s, ale je t\u0159eba se vyvarovat fantastick\u00fdch nab\u00eddek, kter\u00e9 slibuj\u00ed v\u0161e za t\u00e9m\u011b\u0159 nic. Nev\u011b\u0159te v\u0161emu, co vid\u00edte a sly\u0161\u00edte, neupisujte se k\u00a0ni\u010demu, pokud jste si pe\u010dliv\u011b nezjistili v\u0161echny podm\u00ednky.\u00a07.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vzd\u011bl\u00e1vejte seMoudr\u00e9 um\u00edst\u011bn\u00ed financ\u00ed nen\u00ed jednoduch\u00e9. Ne\u017e u\u010din\u00edte z\u00e1sadn\u00ed kroky jako je zm\u011bna banky, podeps\u00e1n\u00ed hypot\u00e9ky nebo rozhodnut\u00ed, jak\u00fdm zp\u016fsobem spo\u0159it d\u011btem, zaj\u00edmejte se, ptejte se, informujte se. Nenechte se odb\u00fdt. Jde o va\u0161e pen\u00edze a va\u0161i budoucnost.\u00a08.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nechte pen\u00edze prouditMoud\u0159e rozhodujte o sv\u00fdch v\u00fddaj\u00edch, ale na druhou stranu nese\u010fte na pen\u011bz\u00edch jako \u017e\u00e1ba na prameni. Spropitn\u00e9 v\u00a0restauraci, kv\u011btina pro va\u0161i \u017eenu nebo p\u0159\u00edsp\u011bvek neziskov\u00e9 organizaci v\u00e1s na ulici nedostanou a z\u00e1rove\u0148 d\u00e1te pen\u011bz\u016fm prostor, aby si v\u00e1s zase na\u0161ly.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost pro za\u010d\u00e1te\u010dn\u00edky","item":"https:\/\/www.bafr.cz\/financni-gramotnost-pro-zacatecniky\/#breadcrumbitem"}]}]