[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.desin.cz\/co-si-pocit-bez-penez\/#Article","mainEntityOfPage":"https:\/\/www.desin.cz\/co-si-pocit-bez-penez\/","headline":"Co si po\u010d\u00edt bez pen\u011bz?","name":"Co si po\u010d\u00edt bez pen\u011bz?","description":"Na tom, jestli m\u00e1me nebo nem\u00e1me dost pen\u011bz, z\u00e1le\u017e\u00ed. To nikdo nezpochyb\u0148uje, proto\u017ee v\u0161ichni v\u00edme, \u017ee je to pravda. \u017de…","datePublished":"2026-02-05","dateModified":"2026-02-05","author":{"@type":"Person","@id":"https:\/\/www.desin.cz\/author\/#Person","name":"","url":"https:\/\/www.desin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"desin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.desin.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","url":"https:\/\/www.desin.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.desin.cz\/co-si-pocit-bez-penez\/","about":["Finance"],"wordCount":451,"articleBody":"         Na tom, jestli m\u00e1me nebo nem\u00e1me dost pen\u011bz, z\u00e1le\u017e\u00ed. To nikdo nezpochyb\u0148uje, proto\u017ee v\u0161ichni v\u00edme, \u017ee je to pravda. \u017de ti, kdo maj\u00ed pen\u00edze, \u017eij\u00ed spokojen\u00fdm \u017eivotem, zat\u00edmco ti, kdo t\u0159ou b\u00eddu s nouz\u00ed, se rozhodn\u011b dob\u0159e nemaj\u00ed. A shodneme se nejen na tom, \u017ee je lep\u0161\u00ed pen\u00edze m\u00edt ne\u017e nem\u00edt, ale jist\u011b i na tom, \u017ee kdy\u017e n\u00e1m do\u0161ly nebo pov\u00e1\u017eliv\u011b doch\u00e1zej\u00ed, hled\u00e1me zp\u016fsoby, jak si dal\u0161\u00ed pen\u00edze zajistit, aby n\u00e1s jejich nedostatek p\u0159estal tr\u00e1pit. Obvykle tou\u017e\u00edme po z\u00edsk\u00e1n\u00ed vlastn\u00edch pen\u011bz. T\u011bch, kter\u00e9 dostaneme a m\u016f\u017eeme je utratit kdykoliv a za cokoliv, bez toho, \u017ee bychom se z jejich utr\u00e1cen\u00ed museli n\u011bkomu zodpov\u00eddat nebo b\u00fdt n\u011bjak jinak omezeni. Tedy zpravidla usilujeme o to, abychom si je vyd\u011blali. A kdy\u017e se n\u00e1m v tomto ohledu neda\u0159\u00ed a dost vlastn\u00edch finan\u010dn\u00edch prost\u0159edk\u016f nem\u00e1me? Pak hled\u00e1me aspo\u0148 \u010dasov\u011b omezenou pomoc, j\u00ed\u017e je p\u016fj\u010dka. Kdy\u017e u\u017e nem\u00e1me sv\u00e9 vlastn\u00ed pen\u00edze napo\u0159\u00e1d, a\u0165 m\u00e1me k dispozici aspo\u0148 n\u011bjak\u00e9 ciz\u00ed po dobu, kdy je n\u00e1m nejh\u016f\u0159, s t\u00edm, \u017ee je pozd\u011bji budeme muset u\u0161et\u0159it z na\u0161ich p\u0159\u00edjm\u016f a i s \u00faroky je splatit. Tak\u017ee se spousta lid\u00ed s finan\u010dn\u00edmi starostmi pokou\u0161\u00ed z\u00edskat aspo\u0148 p\u016fj\u010dku. Je to sice z nouze ctnost, ale i ta m\u016f\u017ee p\u0159ij\u00edt vhod, kdy\u017e je zle. Jen\u017ee je faktem, \u017ee \u010d\u00edm je na tom \u010dlov\u011bk zrovna finan\u010dn\u011b h\u016f\u0159, t\u00edm n\u00e1ro\u010dn\u011bj\u0161\u00ed je pro n\u011bj sehnat p\u016fj\u010dku. To, co se mu nab\u00edz\u00ed a na co tak\u00e9 dos\u00e1hne, jsou v\u011bt\u0161inou jen likvida\u010dn\u00ed, kr\u00e1tkodob\u00e9 a p\u0159edra\u017een\u00e9 p\u016fj\u010dky, p\u0159\u00edpadn\u011b p\u016fj\u010dky prov\u00e1zen\u00e9 hodn\u011b nep\u0159\u00edjemn\u00fdmi sankcemi a skryt\u00fdmi h\u00e1\u010dky. A o ty nikdo rozumn\u00fd nestoj\u00ed. Jen\u017ee o co po\u017e\u00e1dat, kdy\u017e \u010dlov\u011bk nedostane slu\u0161nou bankovn\u00ed p\u016fj\u010dku kv\u016fli p\u0159\u00edjm\u016fm nebo registr\u016fm dlu\u017en\u00edk\u016f? O je\u0161t\u011b jedn\u00e9 mo\u017enosti bych v\u011bd\u011bl. A tou jsou nebankovn\u00ed hypot\u00e9ky. Kter\u00e9 jsou docela v\u00fdhodn\u00e9 a docela snadno se z\u00edskaj\u00ed. I kdy\u017e si \u010dlov\u011bk t\u0159eba s \u017e\u00e1dnou jinou slu\u0161nou p\u016fj\u010dkou nedok\u00e1\u017ee poradit a dostat ji, americk\u00e1 hypot\u00e9ka bez registru ho nezklame. A to i pouze d\u00edky snadn\u00e9 z\u00e1stav\u011b nemovitosti jako z\u00e1ruce spl\u00e1cen\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co si po\u010d\u00edt bez pen\u011bz?","item":"https:\/\/www.desin.cz\/co-si-pocit-bez-penez\/#breadcrumbitem"}]}]