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nadpis":null,"_licencia_list_7_nadpis":null,"licencia_list_7_popis":null,"_licencia_list_7_popis":null,"licencia_list_7_tlacidlo_text":null,"_licencia_list_7_tlacidlo_text":null,"licencia_list_7_tlacidlo_url":null,"_licencia_list_7_tlacidlo_url":null,"obsah_1_textovy_obsah":"Spo\u0159en\u00ed p\u0159in\u00e1\u0161\u00ed do na\u0161eho \u017eivota mno\u017estv\u00ed benefit\u016f. D\u00edky n\u011bmu si dok\u00e1\u017eeme vytvo\u0159it finan\u010dn\u00ed rezervu na neo\u010dek\u00e1van\u00e9 v\u00fddaje, pl\u00e1novat dlouhodob\u00e9 finan\u010dn\u00ed c\u00edle, zajistit si finan\u010dn\u00ed stabilitu a nab\u00fdt tak pocitu bezpe\u010d\u00ed a jistoty. Jak v\u0161ak nau\u010dit spo\u0159it d\u011bti? Zde je n\u011bkolik efektivn\u00edch zp\u016fsob\u016f, jak jim p\u0159ibl\u00ed\u017eit sv\u011bt financ\u00ed a podpo\u0159it je v tom, aby ze spo\u0159en\u00ed ud\u011blali sv\u016fj prvn\u00ed finan\u010dn\u00ed n\u00e1vyk.\r\n<h3>1. Uka\u017ete d\u011btem p\u0159\u00edklad jak spo\u0159it<\/h3>\r\nD\u011bti se v mnoh\u00e9m inspiruj\u00ed od sv\u00fdch rodi\u010d\u016f. Nas\u00e1vaj\u00ed od nich mno\u017estv\u00ed pravidel a n\u00e1vyk\u016f, proto pokud chcete, aby si v r\u00e1mci hospoda\u0159en\u00ed brali p\u0159\u00edklad od v\u00e1s, jednodu\u0161e je do tohoto procesu zapojte. Dejte jim prostor pl\u00e1novat v\u00fddaje i \u00faspory a mo\u017enost spolupod\u00edlet se na hospod\u00e1rn\u00e9m \u0159\u00edzen\u00ed dom\u00e1cnosti. D\u011bti se tak budou c\u00edtit zapojeny a zejm\u00e9na motivov\u00e1ny, d\u00edky \u010demu\u017e budete pro n\u011b skv\u011bl\u00fdm p\u0159\u00edkladem.\r\n<h3><strong>2. Za\u010dn\u011bte brzy<\/strong><\/h3>\r\nU\u010dit d\u011bti spo\u0159it byste m\u011bli u\u017e od jejich \u00fatl\u00e9ho v\u011bku. Odmali\u010dka jim m\u016f\u017eete d\u00e1vat mal\u00e9 sumy pen\u011bz, nap\u0159\u00edklad ve form\u011b kapesn\u00e9ho. D\u011bti si tak osvoj\u00ed prvn\u00ed finan\u010dn\u00ed n\u00e1vyky, nau\u010d\u00ed se spr\u00e1vn\u011b zach\u00e1zet s pen\u011bzi a spo\u0159it v bezpe\u010dn\u00e9m prost\u0159ed\u00ed domova.\r\n<h3><strong>3. Pou\u017e\u00edvejte hotovost<\/strong><\/h3>\r\nMen\u0161\u00ed d\u011bti ch\u00e1pou jen to, co vid\u00ed, proto je bude hotovost v pokladni\u010dce motivovat mnohem v\u00edce ne\u017e \u010d\u00edsla na spo\u0159\u00edc\u00edm produktu v bance. Krom\u011b toho je t\u0159eba, aby rozum\u011bli hodnot\u011b pen\u011bz a re\u00e1ln\u00e9 hodnot\u011b v\u011bc\u00ed, kter\u00e1 jim bohu\u017eel v dne\u0161n\u00edm \u201ebezkontaktn\u00edm\u201c sv\u011bt\u011b \u010dasto unik\u00e1. Pokud budou pou\u017e\u00edvat hotovost, mnohem l\u00e9pe si uv\u011bdom\u00ed, kolik co stoj\u00ed. Teprve kdy\u017e tyto z\u00e1kladn\u00ed principy pochop\u00ed, budou um\u011bt hospoda\u0159it is bezhotovostn\u00edmi pen\u011bzi.\r\n<h3><strong>4. Stanovte si c\u00edle<\/strong><\/h3>\r\nJednou z nejobl\u00edben\u011bj\u0161\u00edch d\u011btsk\u00fdch ot\u00e1zek je ot\u00e1zka \u201epro\u010d?\u201c, a zaru\u010den\u011b si ji neodpust\u00ed ani tehdy, kdy\u017e je budete u\u010dit spo\u0159it. Odpov\u011b\u010f na ni je toti\u017e extr\u00e9mn\u011b d\u016fle\u017eit\u00e1. Stejn\u011b jako dosp\u011bl\u00fd i d\u00edt\u011b pot\u0159ebuje c\u00edl. Pokud bude v\u011bd\u011bt na co spo\u0159\u00ed, bude mnohem v\u00edce motivov\u00e1no sv\u00e9ho c\u00edle dos\u00e1hnout. S d\u011btmi si p\u0159itom m\u016f\u017eete stanovit men\u0161\u00ed i velk\u00e9 c\u00edle, aby pochopilo, \u017ee sn\u00edt by se m\u011blo ve velk\u00e9m. Pomozte mu vyty\u010dit si je a nezapome\u0148te ho pochlubit, kdy\u017e se mu poda\u0159\u00ed si je splnit.\r\n<h3><strong>5. U\u010dte d\u011bti o rozpo\u010dtu<\/strong><\/h3>\r\nU\u017e odmali\u010dka bychom d\u011btem m\u011bli ukazovat, jak funguje rozpo\u010det, pomoci jim naj\u00edt pot\u0159ebn\u00fd balanc mezi spo\u0159en\u00edm i nakupov\u00e1n\u00edm, uk\u00e1zat jim v\u00fdhody spr\u00e1vn\u00e9ho hospoda\u0159en\u00ed, ale i nev\u00fdhody hospoda\u0159en\u00ed, kter\u00e9 spr\u00e1vn\u011b nen\u00ed. \u010c\u00edm d\u0159\u00edve d\u011bti pochop\u00ed, jak d\u016fle\u017eit\u00e9 je vy\u010dlenit si ze sv\u00fdch finan\u010dn\u00edch zdroj\u016f i \u010d\u00e1st na rezervu a spo\u0159en\u00ed, t\u00edm jednodu\u0161\u0161\u00ed budou jednou v budoucnosti v\u00e9st rozpo\u010det sv\u00e9 vlastn\u00ed dom\u00e1cnosti.\r\n<h3><strong>6. U\u010dte d\u011bti o \u00faspor\u00e1ch<\/strong><\/h3>\r\nNau\u010dit d\u011bti spo\u0159it je d\u016fle\u017eit\u00e9, av\u0161ak pro \u017eivot, ve kter\u00e9m si budou plnit sv\u00e9 velk\u00e9 sny, to bohu\u017eel sta\u010dit nebude. Krom\u011b \u00faspor bychom jim proto m\u011bli uk\u00e1zat i mo\u017enosti, jak mohou sv\u00e9 u\u0161et\u0159en\u00e9 pen\u00edze d\u00e1le zhodnocovat. Hravou formou jim proto promluvte o r\u016fzn\u00fdch typech spo\u0159en\u00ed, a\u0165 u\u017e p\u0159es banku nebo investi\u010dn\u00ed spole\u010dnosti.\r\n<h3><strong>7. Rozumn\u011b nakupujte<\/strong><\/h3>\r\nStejn\u011b d\u016fle\u017eit\u00e9 jak nau\u010dit d\u011bti odkl\u00e1dat pen\u00edze je nau\u010dit je rozumn\u011b utr\u00e1cet. Jako autorita bychom jim m\u011bli zd\u016fraznit, \u017ee nen\u00ed t\u0159eba nakupovat v\u011bci, kter\u00e9 nutn\u011b nepot\u0159ebujeme, a \u017ee srovn\u00e1vat ceny za jednotliv\u00e9 produkty se tak\u00e9 vyplat\u00ed. T\u00edmto zp\u016fsobem budou utr\u00e1cet m\u00e9n\u011b a pr\u00e1v\u011b d\u00edky tomu budou moci v\u00edce odkl\u00e1dat.\r\n<h3><strong>8. Dop\u0159ejte d\u011btem praktickou zku\u0161enos<\/strong>t<\/h3>\r\n\u010c\u00edm v\u00edce praktick\u00fdch zku\u0161enost\u00ed s pen\u011bzi d\u00edt\u011b nabude, t\u00edm d\u0159\u00edve pochop\u00ed, jak s nimi spr\u00e1vn\u011b hospoda\u0159it. Klidn\u011b jim proto nechte platit za vlastn\u00ed v\u011bci v obchodu a umo\u017en\u011bte jim tak\u00e9 vyd\u011blat si pen\u00edze vlastn\u00ed prac\u00ed. Pochop\u00ed tak hodnotu v\u011bc\u00ed a uv\u011bdom\u00ed si, co v\u0161echno mus\u00ed ud\u011blat proto, aby vyd\u011blali pen\u00edze. D\u00edky \u010demu\u017e si jich budou i mnohem v\u00edce v\u00e1\u017eit.\r\n<h3><strong>9. Pou\u017eijte hry a aktivity<\/strong><\/h3>\r\nHry a aktivity jsou skv\u011bl\u00fd zp\u016fsob, jak d\u00edt\u011bti p\u0159ibl\u00ed\u017eit z\u00e1klady finan\u010dn\u00ed gramotnosti. Krom\u011b her pro rozpozn\u00e1v\u00e1n\u00ed minc\u00ed a bankovek m\u016f\u017eete pou\u017e\u00edt i hry ur\u010den\u00e9 pro v\u00fdpo\u010dty, pl\u00e1nov\u00e1n\u00ed v\u00fddaj\u016f a samoz\u0159ejm\u011b ke spo\u0159en\u00ed do vlastn\u00edch pokladni\u010dek.\r\n\r\nT\u011bchto 9 efektivn\u00edch zp\u016fsob\u016f v\u00e1m pom\u016f\u017ee sezn\u00e1mit va\u0161e d\u011bti se spo\u0159en\u00edm, uk\u00e1zat jim, jak spr\u00e1vn\u011b hospoda\u0159it s financemi \u010di to, jak pl\u00e1novat v\u00fddaje. Je d\u016fle\u017eit\u00e9 uk\u00e1zat jim, \u017ee pen\u00edze maj\u00ed svou hodnotu, proto s nimi mus\u00ed zach\u00e1zet s rozvahou. \u010c\u00edm d\u0159\u00edve pochop\u00ed, \u017ee d\u00edky spo\u0159en\u00ed si mohou splnit sv\u00e9 velk\u00e9 sny, t\u00edm jednodu\u0161\u0161\u00ed start do \u017eivota dostanou. Jako rodi\u010de jim ho m\u016f\u017eete poskytnout i d\u00edky na\u0161emu projektu <a href=\"https:\/\/www.bystredeti.eu\">Bystr\u00e9 D\u00edt\u011b<\/a>, jeho\u017e prvn\u00ed kn\u00ed\u017eka \u2013 <a href=\"https:\/\/www.bystredeti.eu\/cs\/produkt\/jak-se-hanka-naucila-sporit\/\">Jak se Hanka nau\u010dila spo\u0159it<\/a>, poskytne v\u00e1m a va\u0161im d\u011btem n\u00e1vod, jak na to. 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