[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.camarko.cz\/mladi-jsou-na-tom-s-financni-gramotnosti-lepe-presto-to-stale-zazrak-neni\/#Article","mainEntityOfPage":"https:\/\/www.camarko.cz\/mladi-jsou-na-tom-s-financni-gramotnosti-lepe-presto-to-stale-zazrak-neni\/","headline":"Mlad\u00ed jsou na tom s finan\u010dn\u00ed gramotnost\u00ed l\u00e9pe, p\u0159esto to st\u00e1le z\u00e1zrak nen\u00ed","name":"Mlad\u00ed jsou na tom s finan\u010dn\u00ed gramotnost\u00ed l\u00e9pe, p\u0159esto to st\u00e1le z\u00e1zrak nen\u00ed","description":"P\u0159esto, \u017ee mlad\u00ed lid\u00e9 a d\u011bti jsou na tom s finan\u010dn\u00ed gramotnost\u00ed l\u00e9pe ne\u017e jejich rodi\u010de ve stejn\u00e9m v\u011bku, oproti zbytku Evropy st\u00e1le zaost\u00e1v\u00e1me. Pokud se … ","datePublished":"2020-09-14","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.camarko.cz\/author\/#Person","name":"","url":"https:\/\/www.camarko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"camarko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.camarko.cz\/mladi-jsou-na-tom-s-financni-gramotnosti-lepe-presto-to-stale-zazrak-neni\/","about":["Pen\u00edze"],"wordCount":761,"articleBody":"P\u0159esto, \u017ee mlad\u00ed lid\u00e9 a d\u011bti jsou na tom s finan\u010dn\u00ed gramotnost\u00ed l\u00e9pe ne\u017e jejich rodi\u010de ve stejn\u00e9m v\u011bku, oproti zbytku Evropy st\u00e1le zaost\u00e1v\u00e1me. Pokud se zept\u00e1te n\u011bjak\u00e9ho mlad\u00e9ho \u010dlov\u011bka nebo d\u00edt\u011bte ve sv\u00e9m okol\u00ed, pravd\u011bpodobn\u011bji V\u00e1m sp\u00ed\u0161e sd\u011bl\u00ed cenu nejnov\u011bj\u0161\u00edho iPhonu ne\u017e re\u00e1lnou cenu ml\u00e9ka. Zlep\u0161en\u00ed hlavn\u011b napomohlo za\u0159azen\u00ed finan\u010dn\u00ed matematiky do hodin na z\u00e1kladn\u00edch \u0161kol\u00e1ch a snaha rodi\u010d\u016f v\u00e9st d\u011bti k finan\u010dn\u00ed zodpov\u011bdnosti ji\u017e od \u00fatl\u00e9ho d\u011btstv\u00ed.  Podle v\u00fdsledk\u016f pr\u016fzkumu \u010cesk\u00e9 spo\u0159itelny je pro finan\u010dn\u00ed gramotnost pr\u00e1v\u011b vzd\u011bl\u00e1n\u00ed to nejd\u016fle\u017eit\u011bj\u0161\u00ed. Nejh\u016f\u0159e se ve financ\u00edch pohybuj\u00ed lid\u00e9 se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm, nejl\u00e9pe vysoko\u0161kol\u00e1ci, p\u0159esto nejv\u00edce finan\u010dn\u011b gramotn\u00ed se st\u00e1vaj\u00ed vysoko\u0161kol\u00e1ci a\u017e po 40. roku \u017eivota. Podle odborn\u00edk\u016f v\u00fdsledky pr\u016fzkumu nep\u0159in\u00e1\u0161\u00ed nic ne\u010dekan\u00e9ho – obecn\u011b l\u00e9pe hospoda\u0159\u00ed s financemi lid\u00e9 s vy\u0161\u0161\u00edm platem, co\u017e v\u011bt\u0161inou b\u00fdvaj\u00ed jedinci s vysoko\u0161kolsk\u00fdm titulem. L\u00e9pe hospoda\u0159\u00ed lid\u00e9 ve v\u011bt\u0161\u00edch m\u011bstech, co\u017e op\u011bt m\u016f\u017ee souviset s vy\u0161\u0161\u00edm pod\u00edlem vysoko\u0161kol\u00e1k\u016f v obyvatelstvu. Finan\u010dn\u00ed gramotnosti by se d\u00edt\u011b m\u011blo u\u010dit ji\u017e od mala. K tomu ho v\u0161ak mus\u00ed v\u00e9st rodi\u010de, proto\u017ee jenom \u0161kola nesta\u010d\u00ed. Pokud d\u011bti ji\u017e te\u010f nau\u010d\u00edte, jak\u00e1 je hodnota pen\u011bz, jak si efektivn\u011b na\u0161et\u0159it a jak v\u016fbec sv\u016fj rozpo\u010det v\u00e9st, v dosp\u011blosti nebudou tolik p\u0159ekvapen\u00ed a rychleji se zapoj\u00ed do b\u011b\u017en\u00e9ho chodu \u017eivota. Pamatujte si, \u017ee pro d\u00edt\u011b jste ve sv\u011bt\u011b financ\u00edch vzor Vy, tud\u00ed\u017e pokud neum\u00edte nakl\u00e1dat s pen\u011bzi, t\u011b\u017eko to m\u016f\u017eete nau\u010dit Va\u0161e d\u00edt\u011b. Zde je p\u00e1r tip\u016f, jak ji\u017e od d\u011btstv\u00ed v\u00e9st d\u00edt\u011b k spr\u00e1vn\u00e9 cest\u011b v oblasti hospoda\u0159en\u00ed:1.       Finan\u010dn\u00ed hry Nebojte se ji\u017e s d\u00edt\u011btem p\u0159ed\u0161koln\u00edho v\u011bku hr\u00e1t hry, kde \u0159e\u0161\u00edte ot\u00e1zky t\u00fdkaj\u00edc\u00edch se pen\u011bz. V t\u011bchto hr\u00e1ch se fantazii meze nekladou, tak\u017ee si m\u016f\u017eete hr\u00e1t na dom\u00e1cnost \u010di obchod. V pr\u016fb\u011bhu toho se d\u011btem sna\u017ete sd\u011blit, kde se pen\u00edze berou, jak se spo\u0159\u00ed, co se mus\u00ed platit a co v\u0161e dosp\u011bl\u00fd \u010dlov\u011bk ohledn\u011b pen\u011bz mus\u00ed v\u011bd\u011bt.2.       Kapesn\u00e9 Ide\u00e1ln\u00ed v\u011bk pro prvn\u00ed kapesn\u00e9 se poj\u00ed se za\u010d\u00e1tkem povinn\u00e9 \u0161koln\u00ed doch\u00e1zky. Obvykle za\u010d\u00edn\u00e1 na p\u00e1r desetikorun\u00e1ch a a\u017e postupem \u010dasu se za\u010d\u00edn\u00e1 navy\u0161ovat. V\u016fbec nen\u00ed na \u0161kodu d\u011btem koupit pen\u011b\u017eenku a pras\u00e1tko, aby si mohli \u00faspory st\u0159\u00e1dat do pras\u00e1tka a m\u00edt hotovost aktu\u00e1ln\u011b k dispozici. Sledujte hlavn\u011b u mlad\u0161\u00edch d\u011bt\u00ed, za co utr\u00e1cej\u00ed, ale pokud to jde, jejich rozhodnut\u00ed ohledn\u011b toho, co si koupili, nebo cht\u011bj\u00ed koupit, jim nerozmlouvejte.3.       Vlastn\u00ed bankovn\u00ed \u00fa\u010det I p\u0159esto, \u017ee tuto slu\u017ebu nab\u00edz\u00ed banky i \u010dasto d\u011btem, kter\u00e9 maj\u00ed za sebou sotva prvn\u00edch p\u00e1r let povinn\u00e9 \u0161koln\u00ed doch\u00e1zky, je lep\u0161\u00ed po\u010dkat do vy\u0161\u0161\u00edho v\u011bku. Ide\u00e1ln\u00ed \u010das na zalo\u017een\u00ed \u00fa\u010dtu je okolo 12 let. Aby se d\u00edt\u011b opravdu nau\u010dilo \u0159\u00e1dn\u011b hospoda\u0159it s pen\u011bzi, je dobr\u00e9 mu pos\u00edlat na \u00fa\u010det i kapesn\u00e9 a z\u00e1rove\u0148 k tomu p\u0159idat ji\u017e n\u011bjakou platebn\u00ed povinnost – nap\u0159. j\u00edzdn\u00e9.4.       Pr\u00e1ce Za b\u011b\u017en\u00e9 dom\u00e1c\u00ed pr\u00e1ce byste d\u00edt\u011b platit nem\u011bli, proto\u017ee se jedn\u00e1 o b\u011b\u017enou povinnost. Mlad\u0161\u00edho \u0161kol\u00e1ka v\u0161ak m\u016f\u017eete motivovat n\u011bjakou mimo\u0159\u00e1dnou prac\u00ed, nap\u0159. zameten\u00ed list\u00ed na zahrad\u011b nebo umyt\u00ed auta, za drobnou finan\u010dn\u00ed odm\u011bnu. Od 15 let je mo\u017en\u00e9 chodit na brig\u00e1dy, tak\u017ee se nebojte nechat puber\u0165\u00e1ka otrkat na v\u0161edn\u00edm pracovn\u00edm trhu.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Mlad\u00ed jsou na tom s finan\u010dn\u00ed gramotnost\u00ed l\u00e9pe, p\u0159esto to st\u00e1le z\u00e1zrak nen\u00ed","item":"https:\/\/www.camarko.cz\/mladi-jsou-na-tom-s-financni-gramotnosti-lepe-presto-to-stale-zazrak-neni\/#breadcrumbitem"}]}]