[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.naulici.cz\/darky-na-dluh-radeji-ne\/#Article","mainEntityOfPage":"https:\/\/www.naulici.cz\/darky-na-dluh-radeji-ne\/","headline":"D\u00e1rky na dluh? Rad\u011bji ne!","name":"D\u00e1rky na dluh? Rad\u011bji ne!","description":"Ka\u017ed\u00fd osm\u00fd \u010cech si p\u016fj\u010duje na v\u00e1no\u010dn\u00ed d\u00e1rky, snad proto, aby v\u00e1noce byly hezk\u00e9 za ka\u017edou cenu. P\u016fj\u010dky jsou \u0159\u00e1dov\u011b do 30 000 korun a spl\u00e1c\u00ed se pr\u016fm\u011brn\u011b patn\u00e1ct m\u011bs\u00edc\u016f. Ale co\u017epak si lid\u00e9 neuv\u011bdomuj\u00ed, \u017ee hezk\u00e9 v\u00e1noce m\u016f\u017eou m\u00edt i bez dluh\u016f?
 
 Sjedn\u00e1vat si spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kter\u00e9 bankovn\u00ed spole\u010dnosti nej\u010dast\u011bji poskytuj\u00ed p\u0159ed v\u00e1nocemi, […]","datePublished":"2023-04-29","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.naulici.cz\/author\/#Person","name":"","url":"https:\/\/www.naulici.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"naulici.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.naulici.cz\/darky-na-dluh-radeji-ne\/","wordCount":492,"articleBody":"Ka\u017ed\u00fd osm\u00fd \u010cech si p\u016fj\u010duje na v\u00e1no\u010dn\u00ed d\u00e1rky, snad proto, aby v\u00e1noce byly hezk\u00e9 za ka\u017edou cenu. P\u016fj\u010dky jsou \u0159\u00e1dov\u011b do 30 000 korun a spl\u00e1c\u00ed se pr\u016fm\u011brn\u011b patn\u00e1ct m\u011bs\u00edc\u016f. Ale co\u017epak si lid\u00e9 neuv\u011bdomuj\u00ed, \u017ee hezk\u00e9 v\u00e1noce m\u016f\u017eou m\u00edt i bez dluh\u016f?
 
 Sjedn\u00e1vat si spot\u0159ebitelsk\u00e9 \u00fav\u011bry, kter\u00e9 bankovn\u00ed spole\u010dnosti nej\u010dast\u011bji poskytuj\u00ed p\u0159ed v\u00e1nocemi, nen\u00ed zrovna moc rozumn\u00e9. P\u0159itom drah\u00fd d\u00e1rek nemus\u00ed v\u017edy znamenat dobr\u00fd d\u00e1rek.
 
 Jednou z nejv\u011bt\u0161\u00edch zbyte\u010dnost\u00ed jsou pr\u00e1v\u011b p\u016fj\u010dky na d\u00e1rky. P\u0159edev\u0161\u00edm, pokud jde o n\u00e1kup elektroniky, hra\u010dek a r\u016fzn\u00fdch z\u00e1\u017eitk\u016f. Takov\u00e1 p\u016fj\u010dka nen\u00ed vhodnou investic\u00ed, jako by byl nap\u0159\u00edklad n\u00e1kup pra\u010dky, kter\u00e1 je nezbytnou sou\u010d\u00e1st\u00ed pro ka\u017edou rodinu.
 
 Reklamy ze v\u0161ech stran
 D\u00edky val\u00edc\u00edm se reklam\u00e1m se lid\u00e9 c\u00edt\u00ed pod tlakem. V nab\u00eddce jsou nejen v\u011bci, kter\u00e9 podle reklamy nezbytn\u011b pot\u0159ebujeme, ale tak\u00e9 p\u016fj\u010dky, kter\u00e9 pr\u00e1v\u011b vy\u0159e\u0161\u00ed n\u00e1kupy, na kter\u00e9 lid\u00e9 nemaj\u00ed pen\u00edze. Tyto reklamy se usad\u00ed v podv\u011bdom\u00ed, a lid\u00e9 si \u010dasto p\u016fj\u010duj\u00ed, i kdy\u017e u\u017e maj\u00ed exekuci.
 
 Dluhov\u00e1 past
 Lid\u00e9 \u010dasto nemusej\u00ed zvl\u00e1dnout spl\u00e1cen\u00ed p\u016fj\u010dek, a \u010dasto se tak zadlu\u017e\u00ed i na n\u011bkolik let. Ohro\u017eenou skupinou jsou dlu\u017en\u00edci, kte\u0159\u00ed ji\u017e maj\u00ed z\u00e1vazky, kter\u00e9 nest\u00edhaj\u00ed spl\u00e1cet, p\u0159esto si p\u0159ed v\u00e1nocemi op\u011bt p\u016fj\u010d\u00ed. Dluh na v\u00e1no\u010dn\u00ed d\u00e1rky \u010dasto b\u00fdv\u00e1 spou\u0161t\u011b\u010dem \u0159et\u011bzce, kter\u00fd m\u016f\u017ee v\u00e9st do dluhov\u00e9 pasti. Spadnout do n\u00ed nen\u00ed nic t\u011b\u017ek\u00e9ho.
 
 Kv\u016fli pravideln\u00e9 spl\u00e1tce se lid\u00e9 m\u016f\u017eou dostat do prodlen\u00ed s platbou n\u00e1jemn\u00e9ho, energie nebo i telefonu. Tuto situaci \u010dasto \u0159e\u0161\u00ed dal\u0161\u00ed p\u016fj\u010dkou, \u010d\u00edm\u017e vlastn\u011b rozto\u010d\u00ed kolo dluhov\u00e9 pasti.
 
 Co d\u011blat, aby se n\u00e1kup d\u00e1rk\u016f nedostal nad na\u0161e finan\u010dn\u00ed mo\u017enosti
 1. Ud\u011blejte si seznam lid\u00ed, kter\u00e9 chcete obdarovat, a sv\u016fj rozpo\u010det na d\u00e1rky rozd\u011blte mezi n\u011b. Pokud dojdete k z\u00e1v\u011bru, \u017ee si nem\u016f\u017eete dovolit tolik utratit, vyberte d\u00e1rky levn\u011bj\u0161\u00ed.
 
 2. S dosp\u011bl\u00fdmi se domluvte, \u017ee si d\u00e1rky vz\u00e1jemn\u011b kupovat nebudete, a obdarujte pouze d\u011bti.
 
 3. Nakupujte d\u00e1rky p\u0159edstihem. Nejen \u017ee nebudete muset vydat pen\u00edze za d\u00e1rky najednou, ale nakupov\u00e1n\u00ed p\u0159ed sv\u00e1tky b\u00fdv\u00e1 mnohdy dra\u017e\u0161\u00ed.
 
 4. Stvrzenky od d\u00e1rk\u016f nevyhazujte, ale schovejte si je pro p\u0159\u00edpadnou v\u00fdm\u011bnu.
 
 P\u0159ed nakupov\u00e1n\u00ed v\u017edy myslete na to, \u017ee jsou lep\u0161\u00ed \u017e\u00e1dn\u00e9 d\u00e1rky, ne\u017e zadlu\u017een\u00ed! Jinak se ze sv\u00e1tk\u016f klidu a pohod m\u016f\u017ee st\u00e1t no\u010dn\u00ed m\u016fra.
                                                                                                                                                                                                                                                                                                                                                                                         3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u00e1rky na dluh? Rad\u011bji ne!","item":"https:\/\/www.naulici.cz\/darky-na-dluh-radeji-ne\/#breadcrumbitem"}]}]