{"id":2686,"date":"2014-11-12T10:26:54","date_gmt":"2014-11-12T09:26:54","guid":{"rendered":"http:\/\/www.domelie.cz\/blog\/?p=2686"},"modified":"2014-11-12T10:26:54","modified_gmt":"2014-11-12T09:26:54","slug":"jak-doma-rozvijet-financni-gramotnost-deti-a-ucit-je-zdravym-financnim-navykum","status":"publish","type":"post","link":"https:\/\/www.domelie.cz\/blog\/jak-doma-rozvijet-financni-gramotnost-deti-a-ucit-je-zdravym-financnim-navykum\/","title":{"rendered":"Jak doma rozv\u00edjet finan\u010dn\u00ed gramotnost d\u011bt\u00ed a u\u010dit je zdrav\u00fdm finan\u010dn\u00edm n\u00e1vyk\u016fm?"},"content":{"rendered":"

Pt\u00e1te se: \u201cCo je to finan\u010dn\u00ed gramotnost?\u201c V\u0161ichni v\u00edme, \u017ee nau\u010dit d\u00edt\u011b v\u00a01. t\u0159\u00edd\u011b \u010d\u00edst, ps\u00e1t, po\u010d\u00edtat, je z\u00e1kladn\u00ed gramotnost, kterou je \u010dlov\u011bk vybaven pro cel\u00fd \u017eivot. A pro\u010d je finan\u010dn\u00ed gramotnost nezbytn\u00e1 pro \u017eivot stejn\u011b jako \u010dten\u00ed a psan\u00ed?<\/b><\/p>\n

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Pr\u00e1v\u011b chyb\u011bj\u00edc\u00ed z\u00e1klady finan\u010dn\u00ed gramotnosti zp\u016fsobuj\u00ed, \u017ee lid\u00e9 nev\u011bd\u00ed, jak hospoda\u0159it s\u00a0pen\u011bzi, jak je z\u00edskat a udr\u017eet, a proto se lid\u00e9\u00a0p\u0159\u00edli\u0161 zadlu\u017euj\u00ed<\/b>. Projdete-li se po ulici, pod\u00edv\u00e1te-li se na televizi, poslechnete-li si r\u00e1dio, p\u0159e\u010dtete-li si noviny \u2026 v\u0161ude se na v\u00e1s \u201csm\u011bj\u00ed\u201d l\u00e1kav\u00e9 reklamy na p\u016fj\u010dky, \u00fav\u011bry a\u00a0hypot\u00e9ky se slogany napov\u00eddaj\u00edc\u00edmi, \u017ee m\u016f\u017eete m\u00edt v\u0161echno hned a nemus\u00edte\u00a0l\u00e9ta \u0161et\u0159it. P\u016fj\u010dka je samoz\u0159ejm\u011b dle klamav\u00e9 reklamy v\u00fdhodn\u00e1, bez poplatk\u016f a nepot\u0159ebujete ru\u010ditele. Vzhledem k n\u00edzk\u00e9 finan\u010dn\u00ed gramotnosti \u010desk\u00e9ho n\u00e1roda se po\u010det dlu\u017en\u00edku plynule zvy\u0161uje. V dne\u0161n\u00ed dob\u011b je nejd\u016fle\u017eit\u011bj\u0161\u00ed nau\u010dit d\u00edt\u011b u\u017e odmala, \u017ee nic nen\u00ed zadarmo, tedy ani voda z kohoutku. To jsou v\u0161echno n\u00e1strahy ka\u017edodenn\u00edho \u017eivota, a proto mi dovolte pod\u011blit se sv\u00fdmi zku\u0161enostmi, jak u\u010dit d\u011bti finan\u010dn\u00ed gramotnosti.<\/p>\n

\u00a0\"fin<\/a><\/p>\n

KAPESN\u00c9<\/span><\/b><\/p>\n

Pohled d\u00edt\u011bte na pen\u00edze hodn\u011b ovliv\u0148uje i fakt, zda dost\u00e1v\u00e1 kapesn\u00e9 a kolik. M\u00e1m dva syny a s partnerem je u\u010d\u00edme od d\u011btstv\u00ed, co jsou pen\u00edze a jak s nimi hospoda\u0159it. Z\u00e1kladem je kapesn\u00e9<\/b>, a to u\u017e od 3 let v\u011bku<\/b>. Za\u010d\u00edn\u00e1me v tomto v\u011bku men\u0161\u00edmi \u010d\u00e1stkami a st\u0159\u00e1d\u00e1me do pras\u00e1tka<\/b>. Doporu\u010duji\u00a0 d\u00edt\u011b v\u00e9st k tomu, aby si \u010d\u00e1st obdr\u017een\u00fdch pen\u011bz spo\u0159ilo na pozd\u011bji<\/b> a neutratilo je v\u0161echny hned. Nechte d\u011bti, a\u0165 si trochu nabij\u00ed nos. Pravideln\u011b jim d\u00e1vejte stejn\u00e9 kapesn\u00e9, a pokud v\u00e1\u0161 potomek p\u0159ijde s pros\u00edkem o n\u011bjakou korunu nav\u00edc, neustupujte. Jakmile sv\u00e9 kapesn\u00e9 utrat\u00ed, bude muset po\u010dkat na dal\u0161\u00ed m\u011bs\u00edc. Jedin\u011b tak pochop\u00ed, \u017ee i va\u0161e kapsa m\u00e1 dno a \u017ee je t\u0159eba \u0161et\u0159it.<\/p>\n

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KOMPROMIS, KDY\u017d D\u00cdT\u011a TOU\u017d\u00cd PO N\u011a\u010cEM, CO SE MU L\u00cdB\u00cd <\/span><\/b><\/p>\n

Pokud uvid\u00edte, \u017ee va\u0161e d\u00edt\u011b tou\u017e\u00ed po n\u011bjak\u00e9 levn\u011bj\u0161\u00ed \u010di dra\u017e\u0161\u00ed hra\u010dce, ud\u011blejte kompromis. Domluvte se, \u017ee pokud si uspo\u0159\u00ed alespo\u0148 v\u011bt\u0161inu po\u017eadovan\u00e9 \u010d\u00e1stky, zbytek mu doplat\u00edte<\/b>. T\u00edm ho ve spo\u0159en\u00ed podpo\u0159\u00edte a z\u00e1rove\u0148 motivujete.<\/b> Takto jsme to vyzkou\u0161eli u star\u0161\u00edho syna, kter\u00e9mu je 22 let a pokud n\u011bco cht\u011bl, tak jsme \u0159ekli: \u201epolovinu si na\u0161et\u0159i a my doplat\u00edme druhou\u201c. Za\u010dal si i v\u00edce v\u00e1\u017eit v\u011bc\u00ed, proto\u017ee na n\u011b opravdu \u0161et\u0159il. Mlad\u0161\u00ed syn dostal p\u0159ed dv\u011bma lety \u0161t\u011bn\u011b, a dohodli jsme se je\u0161t\u011b p\u0159ed t\u00edm, \u017ee se bude pod\u00edlet na n\u00e1kladech veterin\u00e1\u0159e. Prvn\u00ed o\u010dkov\u00e1n\u00ed, to se kroutil, ale po vysv\u011btlen\u00ed u\u017e dal\u0161\u00ed, kter\u00e9 bylo po m\u011bs\u00edci, vyplatil bez okolk\u016f. Dohodli jsme se na polovin\u011b.<\/p>\n

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PAMATUJTE SI, \u017dE VA\u0160E D\u011aTI V\u00c1S SLEDUJ\u00cd<\/span><\/b><\/p>\n

D\u011bti opakuj\u00ed va\u0161e slova i \u010diny. Pokud budete d\u00edt\u011b pou\u010dovat o \u00faspor\u00e1ch, ale sami se pak zadlu\u017e\u00edte kv\u016fli n\u011b\u010demu, co je mimo va\u0161e aktu\u00e1ln\u00ed finan\u010dn\u00ed mo\u017enosti, zachovaj\u00ed se jako vy. Na druhou stranu v\u0161ak, pokud s nimi mluv\u00edte a oni v\u00ed, \u017ee m\u00e1te dluhy a spl\u00e1c\u00edte je, tak se zachovaj\u00ed jako vy. Mlad\u0161\u00edmu synovi je 7 let a v \u0159\u00edjnu, kdy\u017e obdr\u017eel kapesn\u00e9, cht\u011bl si koupit hra\u010dku, kter\u00e1 st\u00e1la 159 K\u010d. P\u0159e\u010detl si, (\u010d\u00edst p\u00edsmena neum\u00ed, ale \u010d\u00edsla ano) \u017ee p\u016fvodn\u011b st\u00e1la 350 K\u010d, zlevnili ji na 159 K\u010d. Zamyslel se a \u0159ekl, \u017ee pokud pou\u017eijeme je\u0161t\u011b v\u011brnostn\u00ed kartu, dostaneme dal\u0161\u00ed slevu 11 K\u010d. Zjistil v\u0161ak, \u017ee ani tak na n\u00ed nem\u00e1, tak jsem mu nab\u00eddla p\u016fj\u010dku<\/b>. M\u011bl u sebe 100 K\u010d, ale usoudil, \u017ee zbytek pen\u011bz m\u00e1m doma na\u0161et\u0159eno, tak si m\u016f\u017ee dovolit si ode m\u011b te\u010f p\u016fj\u010dit \u2013 p\u016fj\u010dku tedy p\u0159ijal. Po p\u0159\u00edjezdu dom\u016f b\u011b\u017eel a z pras\u00e1tka vr\u00e1til v\u0161e :-).<\/p>\n

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SYST\u00c9M ODM\u011aN<\/span><\/b><\/p>\n

Se star\u0161\u00edm synem jsme si domluvili syst\u00e9m odm\u011bn. Pom\u00e1hat s dom\u00e1c\u00edmi pracemi by m\u011bla b\u00fdt samoz\u0159ejmost bez n\u00e1roku na odm\u011bnu, ale zkuste si vytvo\u0159it syst\u00e9m, kdy v\u00e1\u0161 syn nebo dcera dostanou odm\u011bnu za n\u011bjakou pr\u00e1ci nav\u00edc<\/b>. Do tohoto syst\u00e9mu m\u016f\u017eete zahrnout nap\u0159. pomoc s jarn\u00edm nebo sv\u00e1te\u010dn\u00edm velk\u00fdm \u00faklidem, luxov\u00e1n\u00ed v byt\u011b, \u017eehlen\u00ed, sek\u00e1n\u00ed tr\u00e1vn\u00edku nebo myt\u00ed auta.\u00a0D\u011bti by m\u011bli m\u00edt doma n\u011bjak\u00e9 povinnosti<\/b>. Musej\u00ed v\u011bd\u011bt, \u017ee ne v\u0161e, co d\u011blaj\u00ed, je jen hra a z\u00e1bava. Musej\u00ed v\u011bd\u011bt i to, \u017ee se pr\u00e1ce neud\u011bl\u00e1 automaticky sama. Kdo se tohle v d\u011btsk\u00e9m v\u011bku nenau\u010d\u00ed, nen\u00ed v dosp\u011blosti schopen dost\u00e1t sv\u00fdm povinnostem nap\u0159\u00edklad v pr\u00e1ci. A pak nast\u00e1v\u00e1 probl\u00e9m. Nejsem zast\u00e1ncem p\u0159\u00edstupu platit za ka\u017ed\u00e9 dom\u00e1c\u00ed pr\u00e1ce, d\u00edt\u011b pak chce v\u0161e zaplatit a nenau\u010d\u00ed se nap\u0159. dobrovolnosti.<\/p>\n

Kdy\u017e dostal mlad\u0161\u00ed syn \u0161t\u011bn\u011b a domluvili jsme se, \u017ee bude p\u0159isp\u00edvat na o\u010dkov\u00e1n\u00ed, m\u011bl nejd\u0159\u00edve strach, \u017ee mu z naspo\u0159en\u00fdch pen\u011bz nic nezbude. Po vysv\u011btlen\u00ed zjistil, \u017ee si m\u016f\u017ee je\u0161t\u011b ke kapesn\u00e9mu p\u0159ivyd\u011blat<\/b> a \u017ee mu tedy pak zbude v\u00edce pen\u011bz na dal\u0161\u00ed v\u011bci. Za\u010dal u babi\u010dky \u2013 ukl\u00edzel list\u00ed a dostal za to 20 K\u010d. Pak se zeptal, kolik dostane za d\u0159evo \u2013 babi\u010dka \u0159ekla, \u017ee podle toho, kolik ud\u011bl\u00e1. Malej se pustil do pr\u00e1ce a vyd\u011blal si 70 K\u010d \u2013 m\u011bl z\u00a0toho radost, a tak se spojilo p\u0159\u00edjemn\u00e9 s u\u017eite\u010dn\u00fdm.<\/p>\n

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D\u011bti je dobr\u00e9 u\u010dit finan\u010dn\u00ed gramotnosti u\u017e v \u00fatl\u00e9m v\u011bku, proto\u017ee pen\u00edze dnes hraj\u00ed jednu z nejd\u016fle\u017eit\u011bj\u0161\u00edch rol\u00ed v \u017eivot\u011b. Kdy\u017e se n\u00e1m to poda\u0159\u00ed, bude pro d\u011bti snaz\u0161\u00ed postavit se na vlastn\u00ed nohy a vyhnout se v dosp\u011blosti p\u0159\u00edpadn\u00fdm dluh\u016fm a jin\u00fdm t\u011b\u017ekostem s financemi.<\/b><\/p>\n

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\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pavl\u00edna B\u00edlcov\u00e1<\/p>\n

lektorka finan\u010dn\u00ed gramotnosti, spolupracovnice port\u00e1lu www.financnigramotnostdoskol.cz<\/a><\/p>\n

gener\u00e1ln\u00edm partnerem port\u00e1lu je ING poji\u0161\u0165ovna<\/p>\n","protected":false},"excerpt":{"rendered":"

Pt\u00e1te se: \u201cCo je to finan\u010dn\u00ed gramotnost?\u201c V\u0161ichni v\u00edme, \u017ee nau\u010dit d\u00edt\u011b v\u00a01. t\u0159\u00edd\u011b \u010d\u00edst, ps\u00e1t, po\u010d\u00edtat, je z\u00e1kladn\u00ed gramotnost, kterou je \u010dlov\u011bk vybaven pro cel\u00fd \u017eivot. A pro\u010d je finan\u010dn\u00ed gramotnost nezbytn\u00e1 pro \u017eivot stejn\u011b jako \u010dten\u00ed a psan\u00ed?<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[11],"tags":[],"class_list":["post-2686","post","type-post","status-publish","format-standard","hentry","category-ruzne"],"_links":{"self":[{"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/posts\/2686","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/comments?post=2686"}],"version-history":[{"count":0,"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/posts\/2686\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/media?parent=2686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/categories?post=2686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.domelie.cz\/blog\/wp-json\/wp\/v2\/tags?post=2686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}