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d\u011bti nau\u010d\u00edte pou\u017e\u00edvat rozpo\u010det<\/a>, usnadn\u00edte jim nejen start, ale tak\u00e9 cel\u00fd pr\u016fb\u011bh dosp\u011bl\u00e1ck\u00e9ho \u017eivota. Rozpo\u010det<\/a> toti\u017e nen\u00ed jen pro dosp\u011bl\u00e9, rovn\u011b\u017e pom\u00e1h\u00e1 i d\u011btem, kter\u00e9 se d\u00edky n\u011bmu u\u010d\u00ed l\u00e9pe ch\u00e1pat, ne\u017e logicky hospoda\u0159it s jejich vlastn\u00edmi financemi. Jak v\u0161ak z tohoto \u201evelk\u00e9ho stra\u0161\u00e1ka\u201c, jak ho mnoz\u00ed dosp\u011bl\u00ed vn\u00edmaj\u00ed, ud\u011blat z\u00e1bavnou aktivitu pro d\u011bti? Nic v\u00e1m nenapad\u00e1? Je to p\u0159ece docela jednoduch\u00e9 - hrou!\r\n\r\nJe\u0161t\u011b p\u0159edt\u00edm, ne\u017e si spolu zahrajete, je v\u0161ak d\u016fle\u017eit\u00e9 vysv\u011btlit d\u011btem p\u00e1r z\u00e1kladn\u00edch pravidel a princip\u016f:\r\n

1. Ud\u011blejte si seznam p\u0159\u00edjm\u016f<\/h2>\r\nPro za\u010d\u00e1tek byste m\u011bli d\u011btem pomoci identifikovat zdroje jejich p\u0159\u00edjm\u016f. Nej\u010dast\u011bji jde o kapesn\u00e9<\/a>, sv\u00e1te\u010dn\u00ed, pen\u00edze, kter\u00e9 sami vyd\u011blaj\u00ed (nap\u0159\u00edklad prodejem jejich vlastn\u00edho zbo\u017e\u00ed a slu\u017eeb) a tak\u00e9 pen\u00edze, kter\u00e9 od v\u00e1s dost\u00e1vaj\u00ed za r\u016fzn\u00e9 dom\u00e1c\u00ed \u00fakoly, kter\u00e9 vykonaj\u00ed. T\u011bmito \u00fakoly v\u0161ak nem\u00e1me na mysli dom\u00e1c\u00ed pr\u00e1ce, ale n\u011bco, \u010d\u00edm v\u00e1m d\u011bti pom\u00e1haj\u00ed generovat v\u00e1\u0161 vlastn\u00ed p\u0159\u00edjem. Pokud v\u00e1m v prvn\u00edm moment\u011b nic nenapad\u00e1, s \u010d\u00edm by v\u00e1m d\u011bti mohly pomoci, d\u016fkladn\u011b se spolu s nimi zamyslete. Uvid\u00edte, \u017ee na n\u011bco spole\u010dn\u011b p\u0159ijdete.\r\n

2. Vysv\u011btlete jim spo\u0159en\u00ed do velk\u00e9 pokladni\u010dky<\/h2>\r\n,,Velkou pokladni\u010dku\u201d klidn\u011b nazv\u011bte jako pojem investov\u00e1n\u00ed, kterou si va\u0161e d\u00edt\u011b zakl\u00e1d\u00e1 s c\u00edlem splnit si v budoucnosti sv\u00e9 velk\u00e9 sny. Jak v\u0161ak zajistit, aby tato pokladni\u010dka nez\u016fstala pr\u00e1zdn\u00e1? Vysv\u011btlete d\u00edt\u011bti, \u017ee si m\u00e1 z ka\u017ed\u00e9ho p\u0159\u00edjmu, kter\u00fd obdr\u017e\u00ed, do n\u00ed odlo\u017eit 10% - 20%. Pokud d\u00edt\u011b vydr\u017e\u00ed a pen\u00edze z t\u00e9to pokladni\u010dky nebude utr\u00e1cet, mohli byste mu vy, jako rodi\u010d, p\u0159isp\u00edvat za jeho trp\u011blivost alespo\u0148 symbolick\u00fdm \u00farokem, ide\u00e1ln\u011b v pravideln\u00fdch intervalech. Takto budou d\u011bti motivov\u00e1ny a budou cht\u00edt v dlouhodob\u00e9m spo\u0159en\u00ed pokra\u010dovat, jeliko\u017e uvid\u00ed na vlastn\u00ed o\u010di, jak\u00fd u\u017eitek v sob\u011b nese investov\u00e1n\u00ed.\r\n

3. Stanovte si povinn\u00e9 v\u00fddaje<\/h2>\r\nD\u011bti by si m\u011bly ji\u017e odmali\u010dka osvojovat ur\u010ditou zodpov\u011bdnost, proto si v r\u00e1mci va\u0161eho spole\u010dn\u00e9ho finan\u010dn\u00edho dobrodru\u017estv\u00ed m\u016f\u017eete ur\u010dit i tzv. \u201eodpov\u011bdnost\u201c. povinn\u00e9 v\u00fddaje. Za\u0159adit mezi n\u011b m\u016f\u017eeme nap\u0159\u00edklad. cestovn\u00ed, ur\u010dit\u00e9 druhy oble\u010den\u00ed nebo j\u00eddla. S povinn\u00fdmi v\u00fddaji p\u0159itom klidn\u011b za\u010dn\u011bte ji\u017e na za\u010d\u00e1tku druh\u00e9ho stupn\u011b z\u00e1kladn\u00ed \u0161koly, d\u00edky \u010demu\u017e si d\u011bti co nejd\u0159\u00edve osvoj\u00ed hospoda\u0159en\u00ed s pen\u011bzi, jak\u00e9 se podob\u00e1 re\u00e1ln\u00e9mu \u017eivotu, a tedy i tomu va\u0161emu.\r\n

4. Zjist\u011bte, kolik financ\u00ed z\u016fstane pro malou pokladni\u010dku<\/h2>\r\nMal\u00e1 pokladni\u010dka je na rozd\u00edl od t\u00e9 velk\u00e9 ur\u010dena pro kr\u00e1tkodob\u00e9 c\u00edle a men\u0161\u00ed sny. V d\u011btsk\u00e9m pojet\u00ed m\u016f\u017ee j\u00edt nap\u0159\u00edklad. o spo\u0159en\u00ed na vysn\u011bnou hra\u010dku, v\u00fdlet, z\u00e1jmov\u00fd krou\u017eek \u010di z\u00e1liby, ale tak\u00e9 o oby\u010dejnou zmrzlinu, sladkost, popcorn \u010di cokoliv finan\u010dn\u011b nen\u00e1ro\u010dn\u00e9, po \u010dem tou\u017e\u00ed. Tuto skupinu v\u00fddaj\u016f zvykneme ozna\u010dovat i jako dobrovoln\u00e9 v\u00fddaje, tedy ty, o kter\u00fdch se d\u011bti sami rozhoduj\u00ed, zda na n\u011b sv\u00e9 pen\u00edze utrat\u00ed nebo ne.\r\n

Jak s hrou za\u010d\u00edt?<\/h2>\r\nPo vysv\u011btlen\u00ed uveden\u00fdch z\u00e1kladn\u00edch pravidel a princip\u016f si s d\u011btmi promluvte o jejich c\u00edlech. Pomozte jim stanovit si c\u00edle, na kter\u00e9 si budou \u0161et\u0159it v mal\u00e9 pokladni\u010dce.\r\n

Pokra\u010dujte pl\u00e1nov\u00e1n\u00edm<\/h2>\r\nPo stanoven\u00ed si finan\u010dn\u00edch c\u00edl\u016f p\u0159ich\u00e1z\u00ed na \u0159adu pl\u00e1nov\u00e1n\u00ed. V r\u00e1mci n\u011bj byste m\u011bli d\u011btem pomoci sestavit pl\u00e1n, podle kter\u00e9ho efektivn\u011b vyu\u017eij\u00ed sv\u00e9 p\u0159\u00edjmy k dosa\u017een\u00ed sv\u00fdch c\u00edl\u016f. Vysv\u011btlete jim, \u017ee k tomu, aby dos\u00e1hli sv\u00fdch c\u00edl\u016f, bude t\u0159eba \u010d\u00e1st p\u0159\u00edjm\u016f odlo\u017eit, n\u011b\u010deho se z\u0159eknout, a pot\u0159ebn\u00e1 bude i zm\u011bna jejich dosavadn\u00edch n\u00e1vyk\u016f. Jedn\u00edm z p\u0159\u00edklad\u016f mohou b\u00fdt sladkosti, kter\u00fdch pokud se z\u0159eknou, tak se jim poda\u0159\u00ed mnohem d\u0159\u00edve naspo\u0159it dostate\u010dn\u011b velkou sumu na c\u00edl v mal\u00e9 pokladni\u010dce.\r\n

Dohl\u00e9dn\u011bte na dodr\u017eov\u00e1n\u00ed rozpo\u010dtu<\/h2>\r\nPo nastaven\u00ed pl\u00e1nov\u00e1n\u00ed s d\u011btmi sledujte, jak se jim da\u0159\u00ed dodr\u017eovat jejich rozpo\u010det<\/a>. Pravideln\u00e9 hodnocen\u00ed a revize rozpo\u010dtu jim pom\u016f\u017ee udr\u017eet si jasn\u00fd p\u0159ehled o financ\u00edch a nab\u00eddne jim p\u0159ehled o tom, jak se jim da\u0159\u00ed v dosahov\u00e1n\u00ed sv\u00fdch c\u00edl\u016f.\r\n\r\nPokud se d\u011bti u\u017e odmali\u010dka nau\u010d\u00ed spr\u00e1vn\u011b \u0159\u00eddit sv\u00e9 finance, budou m\u00edt v\u011bt\u0161\u00ed \u0161anci b\u00fdt finan\u010dn\u011b zodpov\u011bdn\u00e9 a v budoucnu tak budou l\u00e9pe zvl\u00e1dat sv\u00e9 finance.\r\n

Praktick\u00fd n\u00e1vod na hru<\/h2>\r\n

Co budete pot\u0159ebovat?<\/h3>\r\n