[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bngr.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.bngr.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"Jakou roli hraje v dne\u0161n\u00ed dob\u011b finan\u010dn\u00ed gramotnost a jak je finan\u010dn\u00ed gramotnost d\u016fle\u017eit\u00e1 u dosp\u00edvaj\u00edc\u00edch lid\u00ed? Co to vlastn\u011b finan\u010dn\u00ed gramotnost znamen\u00e1? Finan\u010dn\u00ed gramotnost znamen\u00e1 podv\u011bdom\u00ed o hodnot\u011b pen\u011bz- tedy kdy\u017e si \u010dlov\u011bk um\u00ed p\u0159edstavit nap\u0159\u00edklad to, co znamen\u00e1 tis\u00edc korun \u010desk\u00fdch a co pro takov\u00fd obnos pen\u011bz mus\u00ed ud\u011blat. Tato znalost je velice d\u016fle\u017eitou v dne\u0161n\u00ed dob\u011b, bohu\u017eel mnoha lidem (zejm\u00e9na mlad\u00fdm a dosp\u00edvaj\u00edc\u00edm) tato znalost chyb\u00ed. \u010c\u00edm to je zp\u016fsobeno? Zejm\u00e9na t\u00edm, \u017ee mlad\u00ed lid\u00e9 dne\u0161n\u00ed doby dost\u00e1vaj\u00ed v\u02c7se \u201czadarmo\u201d- t\u00edm mysl\u00edm, \u017ee dost\u00e1vaj\u00ed pen\u00edze od maminky a od tat\u00ednka a nemus\u00ed pro n\u011b t\u00e9m\u011b\u0159 noc ud\u011blat. Nemus\u00ed pracovat, proto\u017ee jsou chud\u00e1\u010dci studenti a rodi\u010de se jim z dobr\u00e9 v\u016fle sna\u017e\u00ed ulevit a pomoci, ale bohu\u017eel si neuv\u011bdomuj\u00ed, \u017ee jim t\u00edm akor\u00e1t u\u0161kod\u00ed. Je obrovsk\u00fdm skokem, kdy\u017e mlad\u00fd se \u010dlov\u011bk po studiu (kdy nebyl zvykl\u00ed nikdy pracovat a ve\u0161ker\u00e9 pot\u0159ebn\u00e9 finance dost\u00e1val od sv\u00fdch rodi\u010d\u016f) osamostatn\u00ed, za\u010dne pracovat a mus\u00ed si financovat s\u00e1m sv\u00e9 v\u00fddaje z pen\u011bz, kter\u00e9 si vyd\u011bl\u00e1 v pr\u00e1ci. V\u017edy pak dojde k \u201cproz\u0159en\u00ed\u201d a uv\u011bdom\u00ed si, \u017ee pracovat nen\u00ed takov\u00e1 \u201csranda\u201d, jak by se mohlo na prvn\u00ed pohled zd\u00e1t. V\u011bt\u0161ina dosp\u00edvaj\u00edc\u00edch student\u016f se toti\u017e t\u011b\u0161\u00ed, a\u017e se osamostatn\u00ed, proto\u017ee si mysl\u00ed, \u017ee budou m\u00edt mnoho pen\u011bz a budou si moci bezstarostn\u011b u\u017e\u00edvat \u017eivota, a to pr\u00e1v\u011b d\u00edky pen\u011bz\u016fm, kter\u00e9 si vyd\u011blaj\u00ed prac\u00ed. Pr\u00e1v\u011b d\u00edky tomuto je nutn\u00e9, aby rodi\u010de u\u010dili sv\u00e9 d\u011bti finan\u010dn\u00ed gramotnost ji\u017e v \u00fatl\u00e9m v\u011bku. \u010c\u00edm d\u0159\u00edve d\u011bti poznaj\u00ed hodnotu pen\u011bz, t\u00edm men\u0161\u00ed pro n\u011b bude skol toho, \u017ee si za\u010dnou platit v\u0161e sami. Z\u00e1v\u011brem nap\u00ed\u0161i jen to, \u017ee je ka\u017ed\u00e1 pracovn\u00ed zku\u0161enost (kdy si d\u00edt\u011b vyd\u011bl\u00e1v\u00e1 sv\u00e9 vlastn\u00ed pen\u00edze) velice cennou, i kdy\u017e se to nemus\u00ed na prvn\u00ed pohled zn\u00e1t. Pracovn\u00ed zku\u0161enosti n\u00e1m toti\u017e pom\u00e1haj\u00ed pozn\u00e1vat hodnotu pen\u011bz, a to je jedna z nejpodstatn\u011bj\u0161\u00edch znalost\u00ed dne\u0161n\u00ed modern\u00ed doby.","datePublished":"2020-09-27","dateModified":"2020-09-27","author":{"@type":"Person","@id":"https:\/\/www.bngr.cz\/author\/#Person","name":"","url":"https:\/\/www.bngr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bngr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bngr.cz\/wp-content\/uploads\/img_a321198_w2408_t1532444933.jpg","url":"https:\/\/www.bngr.cz\/wp-content\/uploads\/img_a321198_w2408_t1532444933.jpg","height":0,"width":0},"url":"https:\/\/www.bngr.cz\/financni-gramotnost\/","wordCount":412,"articleBody":" Jakou roli hraje v dne\u0161n\u00ed dob\u011b finan\u010dn\u00ed gramotnost a jak je finan\u010dn\u00ed gramotnost d\u016fle\u017eit\u00e1 u dosp\u00edvaj\u00edc\u00edch lid\u00ed? Co to vlastn\u011b finan\u010dn\u00ed gramotnost znamen\u00e1? Finan\u010dn\u00ed gramotnost znamen\u00e1 podv\u011bdom\u00ed o hodnot\u011b pen\u011bz- tedy kdy\u017e si \u010dlov\u011bk um\u00ed p\u0159edstavit nap\u0159\u00edklad to, co znamen\u00e1 tis\u00edc korun \u010desk\u00fdch a co pro takov\u00fd obnos pen\u011bz mus\u00ed ud\u011blat. Tato znalost je velice d\u016fle\u017eitou v dne\u0161n\u00ed dob\u011b, bohu\u017eel mnoha lidem (zejm\u00e9na mlad\u00fdm a dosp\u00edvaj\u00edc\u00edm) tato znalost chyb\u00ed. \u010c\u00edm to je zp\u016fsobeno? Zejm\u00e9na t\u00edm, \u017ee mlad\u00ed lid\u00e9 dne\u0161n\u00ed doby dost\u00e1vaj\u00ed v\u02c7se \u201czadarmo\u201d- t\u00edm mysl\u00edm, \u017ee dost\u00e1vaj\u00ed pen\u00edze od maminky a od tat\u00ednka a nemus\u00ed pro n\u011b t\u00e9m\u011b\u0159 noc ud\u011blat. Nemus\u00ed pracovat, proto\u017ee jsou chud\u00e1\u010dci studenti a rodi\u010de se jim z dobr\u00e9 v\u016fle sna\u017e\u00ed ulevit a pomoci, ale bohu\u017eel si neuv\u011bdomuj\u00ed, \u017ee jim t\u00edm akor\u00e1t u\u0161kod\u00ed. Je obrovsk\u00fdm skokem, kdy\u017e mlad\u00fd se \u010dlov\u011bk po studiu (kdy nebyl zvykl\u00ed nikdy pracovat a ve\u0161ker\u00e9 pot\u0159ebn\u00e9 finance dost\u00e1val od sv\u00fdch rodi\u010d\u016f) osamostatn\u00ed, za\u010dne pracovat a mus\u00ed si financovat s\u00e1m sv\u00e9 v\u00fddaje z pen\u011bz, kter\u00e9 si vyd\u011bl\u00e1 v pr\u00e1ci. V\u017edy pak dojde k \u201cproz\u0159en\u00ed\u201d a uv\u011bdom\u00ed si, \u017ee pracovat nen\u00ed takov\u00e1 \u201csranda\u201d, jak by se mohlo na prvn\u00ed pohled zd\u00e1t. V\u011bt\u0161ina dosp\u00edvaj\u00edc\u00edch student\u016f se toti\u017e t\u011b\u0161\u00ed, a\u017e se osamostatn\u00ed, proto\u017ee si mysl\u00ed, \u017ee budou m\u00edt mnoho pen\u011bz a budou si moci bezstarostn\u011b u\u017e\u00edvat \u017eivota, a to pr\u00e1v\u011b d\u00edky pen\u011bz\u016fm, kter\u00e9 si vyd\u011blaj\u00ed prac\u00ed. Pr\u00e1v\u011b d\u00edky tomuto je nutn\u00e9, aby rodi\u010de u\u010dili sv\u00e9 d\u011bti finan\u010dn\u00ed gramotnost ji\u017e v \u00fatl\u00e9m v\u011bku. \u010c\u00edm d\u0159\u00edve d\u011bti poznaj\u00ed hodnotu pen\u011bz, t\u00edm men\u0161\u00ed pro n\u011b bude skol toho, \u017ee si za\u010dnou platit v\u0161e sami. Z\u00e1v\u011brem nap\u00ed\u0161i jen to, \u017ee je ka\u017ed\u00e1 pracovn\u00ed zku\u0161enost (kdy si d\u00edt\u011b vyd\u011bl\u00e1v\u00e1 sv\u00e9 vlastn\u00ed pen\u00edze) velice cennou, i kdy\u017e se to nemus\u00ed na prvn\u00ed pohled zn\u00e1t. Pracovn\u00ed zku\u0161enosti n\u00e1m toti\u017e pom\u00e1haj\u00ed pozn\u00e1vat hodnotu pen\u011bz, a to je jedna z nejpodstatn\u011bj\u0161\u00edch znalost\u00ed dne\u0161n\u00ed modern\u00ed doby.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.bngr.cz\/financni-gramotnost\/#breadcrumbitem"}]}]