[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zuul.cz\/problem-pujcek-a-nasi-zadluzenosti\/#Article","mainEntityOfPage":"https:\/\/www.zuul.cz\/problem-pujcek-a-nasi-zadluzenosti\/","headline":"Probl\u00e9m p\u016fj\u010dek a na\u0161\u00ed zadlu\u017eenost\u00ed","name":"Probl\u00e9m p\u016fj\u010dek a na\u0161\u00ed zadlu\u017eenost\u00ed","description":"Dne\u0161n\u00ed doba je takov\u00e1, \u017ee lid\u00e9 si berou neust\u00e1le v\u00edce p\u016fj\u010dek! Nezvl\u00e1daj\u00ed potom p\u016fj\u010dku v\u016fbec spl\u00e1cet. Spoustu lid\u00ed m\u00e1 r\u00e1do \u017e\u00edt na vysok\u00e9 noze a cht\u011bj\u00ed si kupovat cenn\u011bj\u0161\u00ed v\u011bci, a nejhor\u0161\u00ed na tom je, \u017ee danou v\u011bc cht\u011bj\u00ed hned, proto vyu\u017eij\u00ed p\u016fj\u010dky, kter\u00e1 jim umo\u017en\u00ed si danou v\u011bc koupit. Pak sly\u0161\u00edme neust\u00e1le o hypot\u00e9k\u00e1ch […]","datePublished":"2022-11-28","dateModified":"2022-11-28","author":{"@type":"Person","@id":"https:\/\/www.zuul.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zuul.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zuul.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zuul.cz\/wp-content\/uploads\/dollars-499481__480_2.jpg","url":"https:\/\/www.zuul.cz\/wp-content\/uploads\/dollars-499481__480_2.jpg","height":0,"width":0},"url":"https:\/\/www.zuul.cz\/problem-pujcek-a-nasi-zadluzenosti\/","wordCount":543,"articleBody":"       Dne\u0161n\u00ed doba je takov\u00e1, \u017ee lid\u00e9 si berou neust\u00e1le v\u00edce p\u016fj\u010dek! Nezvl\u00e1daj\u00ed potom p\u016fj\u010dku v\u016fbec spl\u00e1cet. Spoustu lid\u00ed m\u00e1 r\u00e1do \u017e\u00edt na vysok\u00e9 noze a cht\u011bj\u00ed si kupovat cenn\u011bj\u0161\u00ed v\u011bci, a nejhor\u0161\u00ed na tom je, \u017ee danou v\u011bc cht\u011bj\u00ed hned, proto vyu\u017eij\u00ed p\u016fj\u010dky, kter\u00e1 jim umo\u017en\u00ed si danou v\u011bc koupit. Pak sly\u0161\u00edme neust\u00e1le o hypot\u00e9k\u00e1ch a spot\u0159ebitelsk\u00fdch \u00fav\u011brech, jak jsou vysok\u00e9 \u00faroky, ale i p\u0159esto si lid\u00e9 p\u016fj\u010dku neust\u00e1le berou. V reklam\u00e1ch \u010dasto sl\u00fdch\u00e1me, jak jsou p\u016fj\u010dky v\u00fdhodn\u00e9 a hned si m\u00e1me o p\u016fj\u010dku za\u017e\u00e1dat a na nic ne\u010dekat. Proto lid\u00e9 i z takov\u00fdch reklam, kter\u00e9 je navnad\u00ed nakonec zjist\u00ed, \u017ee p\u016fj\u010dka je opravdu v\u00fdhodn\u00e1 a let\u00ed pro ni. Jenom\u017ee potom zjist\u00edme, \u017ee nem\u00e1me na spl\u00e1tku a nenapadne n\u00e1s nic jin\u00e9ho ne\u017e si vz\u00edt p\u016fj\u010dku dal\u0161\u00ed. A jak se \u0159\u00edk\u00e1, tak dlouho si budeme br\u00e1t dal\u0161\u00ed a dal\u0161\u00ed p\u016fj\u010dky, a\u017e se ucho utrhne. A u\u017e v\u016fbec se n\u00e1m reklamy nezmi\u0148uj\u00ed o tom, \u017ee se nepozorn\u00ed nebo nezodpov\u011bdn\u00ed lid\u00e9 tak\u00e9 mohou p\u0159edlu\u017eit, a tak dlouho vytloukat kl\u00edn kl\u00ednem, a\u017e se podobn\u011b jako u toho d\u017eb\u00e1nu z lidov\u00e9 moudrosti ucho utrhne. V reklam\u011b n\u00e1m nikdy ne\u0159eknou, jak vysok\u00e9 \u00faroky jsou, ani n\u00e1m ne\u0159eknou, \u017ee p\u016fj\u010dku mus\u00edte vr\u00e1tit, proto\u017ee n\u011bkte\u0159\u00ed lid\u00e9 si mysl\u00ed, \u017ee kdy\u017e si vezmou p\u016fj\u010dku, \u017ee j\u00ed u\u017e nevr\u00e1t\u00ed, ale tahle \u00favaha se nikdy nestane. Dom\u016f n\u00e1m bude chodit upom\u00ednka jedna za druhou, ne\u017e dojde nap\u0159\u00edklad i k exekuci a strhnou n\u00e1m pen\u00edze z \u00fa\u010dtu nebo p\u0159ijde exekutor a zabav\u00ed n\u00e1m majetek. V\u017edycky je dobr\u00e9, ne\u017e si p\u016fj\u010dku vyp\u016fj\u010d\u00edme spo\u010d\u00edtat kolik m\u00e1me t\u0159eba na\u0161et\u0159eno pen\u011bz, kolik n\u00e1m zbyde na dom\u00e1cnost a jin\u00e9 pot\u0159ebn\u00e9 v\u011bci, kdy\u017e budeme spl\u00e1cet p\u016fj\u010dku.  V \u010cesk\u00e9 republice je zadlu\u017eenost vysok\u00e1 a p\u0159ev\u00e1\u017en\u011b v ka\u017ed\u00e9 rodin\u011b je \u00fav\u011br nebo hypot\u00e9ka, proto\u017ee lid\u00e9 nevyd\u011bl\u00e1vaj\u00ed zase tolik pen\u011bz, aby si hned ze dne na den koupily d\u016fm nebo vilu. Jednodu\u0161\u0161\u00ed pro n\u00e1s je, kdy\u017e chceme t\u0159eba lep\u0161\u00ed auto a hned, tak ne\u010dek\u00e1me ani minutu a let\u00edme pro p\u016fj\u010dku. Hodn\u011b z n\u00e1s d\u011bl\u00e1 i dal\u0161\u00ed z\u00e1sadn\u00ed chybu kupovat v\u00e1no\u010dn\u00ed d\u00e1rky za p\u016fj\u010dku, m\u00edsto toho, aby lid\u00e9 cel\u00fd rok odkl\u00e1dali svoje na\u0161et\u0159en\u00e9 pen\u00edze, tak v\u0161e utrat\u00ed a p\u016fj\u010d\u00ed si zbyte\u010dn\u011b na d\u00e1rky, kter\u00e9 mus\u00ed po cel\u00fd rok spl\u00e1cet a jde to, tak ka\u017ed\u00fd rok po\u0159\u00e1d dokola. Proto je lep\u0161\u00ed nejd\u0159\u00edve zv\u00e1\u017eit zda pro n\u00e1s je moment\u00e1ln\u011b p\u016fj\u010dka vhodn\u00e1 nebo nikoliv, a\u0165 zbyte\u010dn\u011b nejsme zadlu\u017een\u00ed kv\u016fli na\u0161\u00edm hloupostem.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Probl\u00e9m p\u016fj\u010dek a na\u0161\u00ed zadlu\u017eenost\u00ed","item":"https:\/\/www.zuul.cz\/problem-pujcek-a-nasi-zadluzenosti\/#breadcrumbitem"}]}]