V dob\u011b, kdy se ceny m\u011bn\u00ed rychleji ne\u017e po\u010das\u00ed a reklamy l\u00e1kaj\u00ed ke ka\u017ed\u00e9mu kliknut\u00ed, je finan\u010dn\u00ed gramotnost mlad\u00fdch lid\u00ed d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e kdy d\u0159\u00edv. Jako poradkyn\u011b, kter\u00e1 denn\u011b pracuje s rodinami, vid\u00edm, jak z\u00e1sadn\u00ed je nau\u010dit d\u011bti a teenagery rozum\u011bt pen\u011bz\u016fm, pl\u00e1novat a rozhodovat se zodpov\u011bdn\u011b.<\/p>\n\n\n\n
Finan\u010dn\u00ed gramotnost nen\u00ed jen schopnost spo\u010d\u00edtat si v\u00fddaje. Je to soubor dovednost\u00ed, znalost\u00ed a postoj\u016f, kter\u00e9 n\u00e1m pom\u00e1haj\u00ed:<\/strong><\/p>\n\n\n\n ch\u00e1pat hodnotu pen\u011bz<\/strong><\/p>\n\n\n\n pl\u00e1novat rozpo\u010det<\/strong><\/p>\n\n\n\n vyhnout se \u0161patn\u00fdm dluh\u016fm<\/strong><\/p>\n\n\n\n rozhodovat se informovan\u011b a zodpov\u011bdn\u011b i pro budoucnost<\/strong><\/p>\n\n\n\n chr\u00e1nit se p\u0159ed podvody<\/strong><\/p>\n\n\n\n investovat s rozvahou a se spolehliv\u00fdm partnerem<\/strong><\/p>\n\n\n\n D\u011bti si vytv\u00e1\u0159ej\u00ed vztah k pen\u011bz\u016fm u\u017e od \u00fatl\u00e9ho v\u011bku. Pokud jim v\u010das vysv\u011btl\u00edme, \u017ee pen\u00edze nejsou samoz\u0159ejmost\u00ed, ale v\u00fdsledkem pr\u00e1ce a rozhodnut\u00ed, budou v dosp\u011blosti m\u00e9n\u011b n\u00e1chyln\u00e9 k impulzivn\u00edm n\u00e1kup\u016fm, dluh\u016fm nebo finan\u010dn\u00edm pastem.<\/strong><\/p>\n\n\n\n \u201eKdy\u017e d\u00edt\u011b pochop\u00ed, \u017ee 100 K\u010d m\u016f\u017ee b\u00fdt sva\u010dina, kn\u00ed\u017eka nebo 10 dn\u00ed spo\u0159en\u00ed, za\u010d\u00edn\u00e1 p\u0159em\u00fd\u0161let jinak.\u201c<\/p>\n\n\n\n Zde je n\u011bkolik praktick\u00fdch tip\u016f, kter\u00e9 doporu\u010duji rodi\u010d\u016fm i \u0161kol\u00e1m:<\/p>\n\n\n\n 1. Vlastn\u00ed kapesn\u00e9<\/strong> 2. Rodinn\u00fd rozpo\u010det jako hra<\/strong> 3. Finan\u010dn\u00ed den\u00edk<\/strong> 4. Simulace rozhodnut\u00ed<\/strong> 5. Vzd\u011bl\u00e1vac\u00ed hry a aplikace<\/strong> Doporu\u010den\u00ed:<\/p>\n\n\n\n Finan\u010dn\u00ed zralost – finan\u010dn\u00ed gramotnost – pro dosp\u011bl\u00e9 i \u0161koly<\/strong><\/a><\/p>\n\n\n\n Nekrachni | Pom\u00e1h\u00e1me mlad\u00fdm lidem finan\u010dn\u011b dosp\u011bt tady a te\u010f<\/strong><\/a><\/p>\n\n\n\n Robert T. Kiyosaki: Bohat\u00fd T\u00e1ta, Chud\u00fd T\u00e1ta Pro Mlad\u00e9<\/strong><\/p>\n\n\n\n Robert Kiyosaki, Sharon Lechterov\u00e1: Kam se pod\u011bly m\u00e9 pen\u00edze?<\/strong><\/p>\n\n\n\n Nov\u00e1 \u00e9ra finan\u010dn\u00ed gramotnosti: Appka, d\u00edky kter\u00e9 nekrachne\u0161 | MoneyFest<\/strong><\/a><\/p>\n\n\n\n Zlatka.in<\/strong><\/a><\/p>\n\n\n\n Jsem r\u00e1da, \u017ee mohu spolupracovat se st\u0159edn\u00edmi \u0161kolami v regionu \u2014 nab\u00edz\u00edme workshopy, st\u00e1\u017ee i mentoring, proto\u017ee v\u011b\u0159\u00edm, \u017ee finan\u010dn\u00ed gramotnost by m\u011bla b\u00fdt stejn\u011b d\u016fle\u017eit\u00e1 jako matematika nebo jazyk.<\/p>\n\n\n\n \u201eMlad\u00fd \u010dlov\u011bk, kter\u00fd rozum\u00ed pen\u011bz\u016fm, m\u00e1 v\u011bt\u0161\u00ed \u0161anci na stabiln\u00ed \u017eivot, m\u00e9n\u011b stresu a v\u00edce svobody a zdrav\u00ed.\u201c<\/p>\n\n\n\n Rozhodla jsem se pom\u00e1hat pr\u00e1v\u011b v \u00dasteck\u00e9m a Karlovarsk\u00e9m kraji, proto\u017ee v\u00edm, \u017ee zde lid\u00e9 \u010dasto \u010del\u00ed slo\u017eit\u00fdm finan\u010dn\u00edm situac\u00edm. Mlad\u00ed lid\u00e9 tu pot\u0159ebuj\u00ed nejen informace, ale i podporu, d\u016fv\u011bru a praktick\u00e9 veden\u00ed.<\/p>\n\n\n\n Finan\u010dn\u00ed gramotnost nen\u00ed luxus \u2014 je to z\u00e1kladn\u00ed v\u00fdbava pro \u017eivot. A \u010d\u00edm d\u0159\u00edv ji mlad\u00ed lid\u00e9 z\u00edskaj\u00ed, t\u00edm l\u00e9pe budou p\u0159ipraveni na sv\u011bt, kter\u00fd se m\u011bn\u00ed ka\u017ed\u00fdm dnem.<\/p>\n\n\n\n Autorka: Marika Ketnerov\u00e1,<\/strong> finan\u010dn\u00ed poradkyn\u011b a majitelka pobo\u010dky Partners banky Kladno<\/p>\n","protected":false},"excerpt":{"rendered":" V dob\u011b, kdy se ceny m\u011bn\u00ed rychleji ne\u017e po\u010das\u00ed a reklamy l\u00e1kaj\u00ed ke ka\u017ed\u00e9mu kliknut\u00ed, je finan\u010dn\u00ed gramotnost mlad\u00fdch lid\u00ed d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e kdy d\u0159\u00edv. Jako poradkyn\u011b, kter\u00e1 denn\u011b pracuje s rodinami, vid\u00edm, jak z\u00e1sadn\u00ed je …\u010d\u00edst d\u00e1le<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"_links":{"self":[{"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/posts\/826"}],"collection":[{"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/comments?post=826"}],"version-history":[{"count":2,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/posts\/826\/revisions"}],"predecessor-version":[{"id":829,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/posts\/826\/revisions\/829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/media\/827"}],"wp:attachment":[{"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/media?parent=826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/categories?post=826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nasregion-ustecko.cz\/index.php\/wp-json\/wp\/v2\/tags?post=826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Pro\u010d za\u010d\u00edt u\u017e v d\u011btstv\u00ed?<\/strong><\/h3>\n\n\n\n
Jak vzd\u011bl\u00e1vat d\u011bti a teenagery?<\/h3>\n\n\n\n
D\u00e1vejte d\u011btem pravideln\u00e9 kapesn\u00e9 a nechte je rozhodovat, jak ho utrat\u00ed. Pom\u00e1h\u00e1 to budovat odpov\u011bdnost. Kapesn\u00e9 by m\u011blo zhruba odpov\u00eddat v\u00fd\u0161i v jak\u00e9 je t\u0159\u00edd\u011b \u0161koly t\u00fddn\u011b, tj 5. t\u0159\u00edda 50K\u010d t\u00fddn\u011b. Je to jen na jejich radosti. Ostatn\u00ed jako pot\u0159eby do \u0161koly a j\u00eddlo, oble\u010den\u00ed je v re\u017eii rodi\u010d\u016f.<\/p>\n\n\n\n
Zapojte d\u011bti do pl\u00e1nov\u00e1n\u00ed n\u00e1kup\u016f, v\u00fdlet\u016f nebo dom\u00e1c\u00edch v\u00fddaj\u016f. M\u016f\u017eete si vytvo\u0159it \u201erodinn\u00fd rozpo\u010dtov\u00fd t\u00fdm\u201c. Pla\u0165te co nejv\u00edce hotovost\u00ed, platebn\u00ed karty d\u011btem p\u0159ipadaj\u00ed bezedn\u00e9… P\u0159ipravte si i oto\u010den\u00fd re\u017eim, \u017ee d\u00edt\u011b bude m\u00edt hotov\u00e9 pen\u00edze a p\u016fjde s V\u00e1mi nakupovat, at spo\u010dte n\u00e1kup a uvid\u00ed, co pak stoj\u00ed jejich zbyte\u010dn\u00e9 sladkosti a hra\u010dky.<\/p>\n\n\n\n
Teenage\u0159i si mohou v\u00e9st den\u00edk v\u00fddaj\u016f \u2014 zjist\u00ed, kolik utrat\u00ed za j\u00eddlo, oble\u010den\u00ed nebo z\u00e1bavu. Nebo si u n\u00e1s otev\u0159ete d\u011btsk\u00fd bankovn\u00ed \u00fa\u010det pro d\u011bti od 6 let a samo uvid\u00ed n\u00e1klady a pot\u0159eby, co kolik stoj\u00ed… Nicm\u00e9n\u011b nau\u010dit d\u011bti tzv. odlo\u017eenou spot\u0159ebu, na n\u011bco se t\u011b\u0161it, nem\u00edt v\u0161e hned je hodn\u011b d\u016fle\u017eit\u00e9. V dosp\u011blosti pak pr\u00e1v\u011b jdeme si na tyto sv\u00e9 radosti hned p\u016fj\u010dit, ne\u017e na\u0161et\u0159it.<\/p>\n\n\n\n
Zkuste modelov\u00e9 situace: \u201eM\u00e1\u0161 500 K\u010d \u2014 koup\u00ed\u0161 si tri\u010dko, u\u0161et\u0159\u00ed\u0161, nebo investuje\u0161?\u201c Diskutujte o d\u016fsledc\u00edch. Ano, pro d\u011bti m\u00e1me investice od 100,-K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n
Existuj\u00ed skv\u011bl\u00e9 n\u00e1stroje jako Katalog M\u0160MT nebo materi\u00e1ly \u010cNB2, kter\u00e9 pom\u00e1haj\u00ed u\u010ditel\u016fm i rodi\u010d\u016fm. Deskov\u00e1 hra Finan\u010dn\u00ed svoboda
je sice dra\u017e\u0161\u00ed, ale je mo\u017enost se p\u0159i n\u00ed u\u010dit a z\u00e1rove\u0148 budovat vz\u00e1jemn\u00e9 vztahy v rodin\u011b.<\/p>\n\n\n\n\u0160koly jako kl\u00ed\u010dov\u00fd partner<\/h3>\n\n\n\n
Posl\u00e1n\u00ed, ne jen slu\u017eba<\/h3>\n\n\n\n