{"id":27748,"date":"2026-03-18T04:47:07","date_gmt":"2026-03-18T04:47:07","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/27748\/"},"modified":"2026-03-18T04:47:07","modified_gmt":"2026-03-18T04:47:07","slug":"manzel-byl-ve-vezeni-a-ted-ho-nikdo-nezamestna","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/27748\/","title":{"rendered":"Man\u017eel byl ve v\u011bzen\u00ed a te\u010f ho nikdo nezam\u011bstn\u00e1"},"content":{"rendered":"

Jak \u010desk\u00e9 dom\u00e1cnosti vysta\u010d\u00ed s\u00a0financemi? Nab\u00edz\u00edme re\u00e1ln\u00fd pohled do \u00fa\u010dt\u016f skute\u010dn\u00fdch rodin\u00a0\u2013 samoz\u0159ejm\u011b tak, aby byla zachov\u00e1na anonymita, ov\u0161em \u00fadaje o\u00a0hospoda\u0159en\u00ed z\u016fst\u00e1vaj\u00ed nezm\u011bn\u011bny. Budeme r\u00e1di, kdy\u017e n\u00e1m nap\u00ed\u0161ete i\u00a0vy, jak se vejdete do rozpo\u010dtu, kolik d\u00e1te za j\u00eddlo nebo bydlen\u00ed a\u00a0jestli i\u00a0n\u011bco u\u0161et\u0159\u00edte. M\u016f\u017eete ps\u00e1t na e-mailovou adresu redakce.prozeny@firma.seznam.cz<\/a>.<\/p>\n

Projekt Mluvte o\u00a0pen\u011bz\u00edch! na Pro\u017eeny.cz<\/p>\n

Seri\u00e1l pro \u017eeny o\u00a0financ\u00edch. Na str\u00e1nk\u00e1ch Pro\u017eeny.cz<\/a> se v\u00a0projektu Mluvte o\u00a0pen\u011bz\u00edch!<\/a> dlouhodob\u011b zab\u00fdv\u00e1me hospoda\u0159en\u00edm \u010desk\u00fdch rodin a\u00a0v podcastu i\u00a0\u010dl\u00e1nc\u00edch konzultujeme se zku\u0161en\u00fdmi odborn\u00edky r\u016fzn\u00e1 finan\u010dn\u00ed t\u00e9mata, kter\u00e1 se t\u00fdkaj\u00ed b\u011b\u017en\u00fdch dom\u00e1c\u00edch rozpo\u010dt\u016f (\u00faspory v\u00a0dom\u00e1cnosti, spo\u0159en\u00ed na d\u016fchod, tvorba pen\u011b\u017en\u00ed rezervy, drobn\u00e9 investice, d\u011blen\u00ed majetku p\u0159i rozvodu\u2026). <\/p>\n

Za co n\u00e1s trestaj\u00ed, man\u017eel si svoje odsed\u011bl<\/p>\n

Janka (49) s\u00a0man\u017eelem bydl\u00ed v\u00a0jednom severo\u010desk\u00e9m m\u011bst\u011b, v\u00a0panel\u00e1kov\u00e9m byt\u011b 2+1.\u00a0Pronaj\u00edmaj\u00ed<\/a> si ho od p\u0159\u00edbuzn\u00e9ho, kter\u00fd bydl\u00ed v\u00a0zahrani\u010d\u00ed. Janka pracuje jako prodava\u010dka v\u00a0men\u0161\u00edm obchod\u011b a\u00a0Ivan (53) si sh\u00e1n\u00ed brig\u00e1dy nebo pracuje na\u010derno<\/a>. Je vyu\u010den\u00fd nat\u011bra\u010d, ale \u0159emeslo nikdy ned\u011blal, d\u0159\u00edv se \u017eivil jako \u0159idi\u010d, pak jako ostraha v\u00a0obchodech. \u201e\u0160est let se pl\u00e1c\u00e1 od jedn\u00e9 brig\u00e1dy ke druh\u00e9, proto\u017ee ho nikdo nechce zam\u011bstnat. Byl ve v\u011bzen\u00ed za zpronev\u011bru, co\u017e zn\u00ed hrozn\u011b, ale sp\u00ed\u0161 nalet\u011bl kamar\u00e1dovi. Rozhodn\u011b to nen\u00ed zl\u00fd \u010dlov\u011bk nebo podvodn\u00edk.\u201c<\/p>\n

Pro Janku bylo slo\u017eit\u00e9 u\u017eivit sebe a\u00a0nezletilou dceru v\u00a0dob\u011b, kdy byl Ivan ve v\u011bzen\u00ed<\/a>. \u201eTenkr\u00e1t to bylo na pov\u00e1\u017eenou, ale te\u010f to nen\u00ed o\u00a0moc lep\u0161\u00ed. I\u00a0kdy\u017e se Ivan sna\u017e\u00ed naj\u00edt pr\u00e1ci, v\u0161ude cht\u011bj\u00ed \u010dist\u00fd rejst\u0159\u00edk.\u201c Proto skon\u010dil ve stavebn\u00ed firm\u011b, kde je na\u010derno. Na hodinu dost\u00e1v\u00e1 mezi 150\u2013200\u00a0K\u010d podle typu pr\u00e1ce. \u201eN\u011bkdy donese sedm\u00a0tis\u00edc za t\u00fdden, jindy p\u011bt tis\u00edc m\u011bs\u00ed\u010dn\u011b. V\u00a0zim\u011b je pr\u00e1ce m\u00e1lo, tak ob\u010das pom\u00e1h\u00e1 ve st\u011bhovac\u00ed firm\u011b nebo na no\u010dn\u00edch p\u0159i vykl\u00e1dce kamion\u016f, ale pak se nem\u016f\u017ee hnout, jak ho bol\u00ed z\u00e1da.\u201c<\/p>\n

Nau\u010dili jsme se \u017e\u00edt z\u00a0m\u00e1la<\/p>\n

Janka vyd\u011bl\u00e1v\u00e1 asi dvacet tis\u00edc, Ivan vyd\u011bl\u00e1 nepravideln\u011b. \u201eSpo\u010d\u00edtala jsem to za rok zp\u00e1tky a\u00a0bylo to kolem 18\u00a0tis\u00edc, v\u00a0l\u00e9t\u011b i\u00a0kolem 25\u00a0tis\u00edc, ale t\u0159eba v\u00a0prosinci jen t\u0159i\u00a0tis\u00edce a\u00a0v lednu nic, mrzlo, pr\u00e1ce na stavb\u011b st\u00e1ly a\u00a0nic jin\u00e9ho nesehnal.\u201c<\/p>\n

A\u0165 je p\u0159\u00edjem jak\u00fdkoli, za bydlen\u00ed mus\u00ed poslat 6\u00a0500\u00a0korun, za energie, topen\u00ed, vodu a\u00a0dal\u0161\u00ed poplatky 3\u00a0700\u00a0K\u010d\u00a0\u2013 maj\u00ed vlastn\u00ed kotel a\u00a0bojler na teplou vodu, tak se sna\u017e\u00ed \u0161et\u0159it. <\/p>\n

Dal\u0161\u00edch patn\u00e1ct set\u00a0korun d\u00e1vaj\u00ed na spl\u00e1tku dluhu<\/a>, kter\u00fd si vzali p\u0159ed rokem a\u00a0p\u016fl, kdy\u017e m\u011bl Ivan pot\u00ed\u017ee se z\u00e1dy a\u00a0nemohl pracovat. \u201eDo\u0161ly pen\u00edze a\u00a0banka by n\u00e1m nep\u016fj\u010dila, tak jsme s\u00e1hli po firm\u011b, kde p\u0159eplat\u00edme o\u00a0moc v\u00edc, ale to se ned\u00e1 nic d\u011blat.\u201c <\/p>\n

Za telefony, televizi a\u00a0internet daj\u00ed m\u011bs\u00ed\u010dn\u011b asi patn\u00e1ct set, Janka si mus\u00ed platit pojistku \u201ena blbost\u201c, ale je to jen asi p\u011btistovka ro\u010dn\u011b. \u00darazov\u00e9 ani \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nemaj\u00ed, Ivan si ho platil, ale p\u0159ed lety ho zru\u0161il, kdy\u017e pot\u0159ebovali pen\u00edze.<\/p>\n

Man\u017eel\u00e9 vlastn\u00ed dvacet let star\u00e9 auto. Povinn\u00e9 ru\u010den\u00ed<\/a> maj\u00ed nejni\u017e\u0161\u00ed, kter\u00e9 sehnali, jsou to asi jen dv\u011b stovky m\u011bs\u00ed\u010dn\u011b, za palivo daj\u00ed v\u00a0pr\u016fm\u011bru do p\u011btistovky. \u201eMan\u017eel autem jezd\u00ed, kdy\u017e se\u017eene no\u010dn\u00ed pr\u00e1ci nebo n\u011bkam, kam je obt\u00ed\u017en\u00e9 dojet MHD,\u201c \u0159\u00edk\u00e1 Janka. Za dopravu MHD m\u011bs\u00ed\u010dn\u011b utrat\u00ed kolem tis\u00edcovky. \u201eLoni jsem m\u011bla celoro\u010dn\u00ed j\u00edzdenku asi za \u010dty\u0159i\u00a0tis\u00edce, ale te\u010f si kupuju jen m\u011bs\u00ed\u010dn\u00ed za p\u011btistovku\u00a0a\u00a0man\u017eel podle pr\u00e1ce.\u201c<\/p>\n

Za j\u00eddlo mohou utratit do \u0161esti\u00a0tis\u00edc m\u011bs\u00ed\u010dn\u011b, man\u017eelovi d\u011bl\u00e1 ob\u011bdy do pr\u00e1ce<\/a>. \u201eV\u00fdhoda je, \u017ee mi majitel obchodu, kde pracuji, ob\u010das prod\u00e1 n\u011bco levn\u011bji a\u00a0i to, \u010demu kon\u010d\u00ed spot\u0159eba, ale je to v\u00a0pohod\u011b.\u201c<\/p>\n

Spo\u0159\u00edm ze strachu, \u017ee z\u016fstaneme na dla\u017eb\u011b<\/p>\n

Kdy\u017e man\u017eel pracuje, jsou v\u00a0pohod\u011b, ale i\u00a0tak se sna\u017e\u00ed maximum odlo\u017eit. Janka se boj\u00ed situace, kter\u00e1 nastala loni, kdy\u017e si zlomila prsty na ruce a\u00a0musela z\u016fstat t\u0159i t\u00fddny doma. \u201eMan\u017eel zrovna tou dobou pr\u00e1ci m\u011bl, ale jinak nev\u00edm. Proto spo\u0159\u00edm, u\u017e m\u00e1me stranou asi t\u0159icet tis\u00edc, ale n\u011bco padlo i\u00a0na moje br\u00fdle.\u201c<\/p>\n

Janka p\u0159izn\u00e1v\u00e1, \u017ee se nejv\u00edc boj\u00ed, a\u017e je do\u017eenou dluhy. Ivan u\u017e p\u00e1r let neplat\u00ed soci\u00e1ln\u00ed ani zdravotn\u00ed poji\u0161t\u011bn\u00ed. \u201eDlouho nem\u011bl z\u00a0\u010deho, a\u00a0kdy\u017e vyd\u011bl\u00e1val, poslal t\u0159eba dva tis\u00edce, ale ani nechci v\u011bd\u011bt, kolik u\u017e dlu\u017e\u00ed a\u00a0jak\u00e9 pen\u00e1le mu tam roste. Nav\u00edc u\u017e bychom m\u011bli pom\u00fd\u0161let na d\u016fchod<\/a> a\u00a0kdo v\u00ed, jestli bude v\u016fbec n\u011bjak\u00fd m\u00edt. Posledn\u00ed z\u00e1po\u010dtov\u00fd list m\u00e1 z\u00a0v\u011bzen\u00ed, kde pracoval.\u201c<\/p>\n

Jedin\u00e9, za co man\u017eel\u00e9 utr\u00e1cej\u00ed a\u00a0nemuseli by, jsou cigarety. M\u011bs\u00ed\u010dn\u011b to d\u011bl\u00e1 ur\u010dit\u011b dva tis\u00edce, ale zat\u00edm ani jeden neum\u00ed p\u0159estat. \u201eIvan p\u0159estal chodit s\u00a0kamar\u00e1dy na pivo. Za nic dal\u0161\u00edho neutr\u00e1c\u00edme. J\u00e1 ob\u010das d\u00e1m dv\u011b stovky za barvu na vlasy, ale t\u00edm moje p\u00e9\u010de o\u00a0sebe kon\u010d\u00ed.\u201c<\/p>\n

Janka by r\u00e1da uk\u00e1zala na situaci t\u011bch, kte\u0159\u00ed ud\u011blali chybu a\u00a0zaplatili v\u011bzen\u00edm\u00a0\u2013 a\u00a0n\u00e1sledn\u011b u\u017e nemohou v\u00a0podstat\u011b \u017e\u00edt norm\u00e1ln\u011b. Zaj\u00edmalo ji tak\u00e9, zda odborn\u00edk porad\u00ed, jak i\u00a0z omezen\u00fdch prost\u0159edk\u016f nast\u0159\u00e1dat finan\u010dn\u00ed rezervu nebo se trochu zabezpe\u010dit na d\u016fchod<\/a>.<\/p>\n

FINAN\u010cN\u00cd DOTAZN\u00cdK PRODAVA\u010cKY JANKY<\/p>\n

Jm\u00e9no a\u00a0v\u011bk: Janka (49)<\/p>\n

Rodinn\u00fd stav a\u00a0d\u011bti: Vdan\u00e1, dosp\u011bl\u00e1 dcera je samostatn\u00e1.<\/p>\n

Celkov\u00e9 rodinn\u00e9 p\u0159\u00edjmy: Nest\u00e1l\u00e9, m\u016fj p\u0159\u00edjem je 20\u00a0000\u00a0K\u010d, man\u017eel dle pr\u00e1ce, v\u00a0pr\u016fm\u011bru to loni bylo 18\u00a0000\u00a0K\u010d.<\/p>\n

N\u00e1klady na bydlen\u00ed a\u00a0energie: 6\u00a0700\u00a0K\u010d n\u00e1jem; 3\u00a0700\u00a0K\u010d energie, voda, topen\u00ed a\u00a0poplatky<\/p>\n

N\u00e1klady na j\u00eddlo: Do 6\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na oble\u010den\u00ed: N\u00e1razov\u011b, do 500\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b<\/p>\n

Dal\u0161\u00ed v\u00fddaje: 1\u00a0500\u00a0K\u010d za telefony, internet, p\u0159edplatn\u00e9 a\u00a0televizi; poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kody 500\u00a0K\u010d ro\u010dn\u011b; 1\u00a0500\u00a0K\u010d spl\u00e1tka dluhu; cca 1\u00a0000\u00a0K\u010d MHD; do 700\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b za auto (letos n\u00e1s \u010dek\u00e1 technick\u00e1, mo\u017en\u00e1 u\u017e ani neprojde); kolem 300\u00a0K\u010d za drogerii a\u00a0asi 2\u00a0000\u00a0K\u010d za cigarety.<\/p>\n

Co museli o\u017eelet: Man\u017eel pivo s\u00a0kamar\u00e1dy, oba jsme omezili kou\u0159en\u00ed a\u00a0nikam nejezd\u00edme na dovolenou ani nem\u00e1me jin\u00e9 aktivity.<\/p>\n

\u00daspory: \u017delezn\u00e1 rezerva je aktu\u00e1ln\u011b asi 30\u00a0000\u00a0K\u010d.<\/p>\n

Kolik investuj\u00ed do dovolen\u00e9: Nic, nejezd\u00edme.<\/p>\n

Finan\u010dn\u00ed zlozvyky: Ur\u010dit\u011b kou\u0159en\u00ed<\/p>\n

Finan\u010dn\u00ed p\u0159\u00e1n\u00ed: B\u00fdt v\u00a0klidu a\u00a0m\u00edt dva st\u00e1l\u00e9 platy, se kter\u00fdmi by se dalo po\u010d\u00edtat.<\/p>\n

Finan\u010dn\u00ed obavy: Z\u00a0toho, \u017ee se n\u011bco stane a\u00a0nebudu moci pracovat a\u00a0man\u017eel tak\u00e9 ne.<\/p>\n

Jak hodnot\u00edm finan\u010dn\u00ed situaci: Je \u0161patn\u00e1.<\/p>\n

Situace nen\u00ed jednoduch\u00e1, ale ani bezv\u00fdchodn\u00e1!<\/p>\n

\u201eP\u0159\u00edb\u011bh Janky a\u00a0Ivana ukazuje, jak jeden t\u011b\u017ek\u00fd \u017eivotn\u00ed okam\u017eik m\u016f\u017ee zanechat stopy na mnoho let. Jan\u010dina pevnost a\u00a0zodpov\u011bdnost, s\u00a0n\u00ed\u017e rodinu dr\u017e\u00ed nad vodou, si p\u0159itom zaslou\u017e\u00ed velk\u00fd obdiv. Situace nen\u00ed jednoduch\u00e1, ale rozhodn\u011b nen\u00ed bezv\u00fdchodn\u00e1,\u201c komentuje p\u0159\u00edb\u011bh Luk\u00e1\u0161 Vr\u0161eck\u00fd, CEO mobiln\u00ed aplikace Patron Go, a\u00a0nazna\u010duje, kudy by se m\u011bli man\u017eel\u00e9 vydat:<\/p>\n

Nejv\u011bt\u0161\u00ed prioritou je Ivan\u016fv dluh na soci\u00e1ln\u00edm a zdravotn\u00edm poji\u0161t\u011bn\u00ed: \u010c\u00edm d\u00e9le z\u016fst\u00e1v\u00e1 ne\u0159e\u0161en\u00fd, t\u00edm v\u00edce roste kv\u016fli pen\u00e1le. Ob\u011b instituce p\u0159itom maj\u00ed n\u00e1stroje pr\u00e1v\u011b pro podobn\u00e9 situace: na \u017e\u00e1dost lze sjednat spl\u00e1tkov\u00fd kalend\u00e1\u0159 a po splacen\u00ed jistiny je mo\u017en\u00e9 po\u017e\u00e1dat o prominut\u00ed \u010d\u00e1sti nebo i cel\u00e9ho pen\u00e1le. Nen\u00ed to automatick\u00fd n\u00e1rok, ale v od\u016fvodn\u011bn\u00fdch p\u0159\u00edpadech to ob\u011b instituce umo\u017e\u0148uj\u00ed. Ivan by proto nem\u011bl odkl\u00e1dat zji\u0161t\u011bn\u00ed p\u0159esn\u00e9 v\u00fd\u0161e obou dluh\u016f a pod\u00e1n\u00ed \u017e\u00e1dosti o spl\u00e1tkov\u00fd pl\u00e1n, kter\u00fd bude re\u00e1ln\u011b zvl\u00e1dnuteln\u00fd.Mo\u017enost superd\u00e1vky: Stoj\u00ed za to ov\u011b\u0159it, zda by nem\u011bli n\u00e1rok na superd\u00e1vku<\/a> pro dom\u00e1cnosti s n\u00edzk\u00fdmi p\u0159\u00edjmy. Podm\u00ednkou ale b\u00fdv\u00e1 evidence na \u00fa\u0159adu pr\u00e1ce nebo prokazateln\u00e1 snaha o zam\u011bstn\u00e1n\u00ed. Pomoc pro lidi po v\u00fdkonu trestu: Pro lidi, kte\u0159\u00ed maj\u00ed kv\u016fli z\u00e1znamu v trestn\u00edm rejst\u0159\u00edku pot\u00ed\u017ee naj\u00edt leg\u00e1ln\u00ed pr\u00e1ci, existuj\u00ed organizace zam\u011b\u0159en\u00e9 p\u0159\u00edmo na takov\u00e9 situace. Rubikon Centrum nebo \u0160ance P.R.O. jim pom\u00e1haj\u00ed s hled\u00e1n\u00edm zam\u011bstn\u00e1n\u00ed, \u0159e\u0161en\u00edm dluh\u016f i orientac\u00ed v pracovn\u00edch mo\u017enostech. Zva\u017ete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Pojistka odpov\u011bdnosti, kterou Janka plat\u00ed, je dobr\u00fd z\u00e1klad. Zv\u00e1\u017eil bych obnoven\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> pro Ivana, zvl\u00e1\u0161\u0165 kdy\u017e pracuje fyzicky a riziko \u00farazu nebo dlouhodob\u00e9 pracovn\u00ed neschopnosti je re\u00e1ln\u00e9. A stejnou ochranu by m\u011bla zv\u00e1\u017eit i Janka. Nab\u00eddky poji\u0161\u0165oven se li\u0161\u00ed, proto se vyplat\u00ed je porovnat pomoc\u00ed n\u011bkter\u00e9ho z online srovn\u00e1va\u010d\u016f.Nav\u00fd\u0161en\u00ed finan\u010dn\u00ed rezervy: Finan\u010dn\u00ed rezervu<\/a>, kterou Janka postupn\u011b vybudovala, je t\u0159eba pochv\u00e1lit. Dal\u0161\u00edm krokem by mohlo b\u00fdt jej\u00ed nav\u00fd\u0161en\u00ed p\u0159ibli\u017en\u011b na 60\u00a0000\u00a0K\u010d, tedy zhruba na t\u0159i m\u011bs\u00edce z\u00e1kladn\u00edch v\u00fddaj\u016f. P\u0159i nepravideln\u00e9m p\u0159\u00edjmu nen\u00ed pot\u0159eba odkl\u00e1dat ka\u017ed\u00fd m\u011bs\u00edc stejnou \u010d\u00e1stku, ale ur\u010dit\u00e9 procento z ka\u017ed\u00e9 v\u00fdplaty. A pen\u00edze, kter\u00e9 nejsou pot\u0159eba okam\u017eit\u011b, se vyplat\u00ed p\u0159esunout z b\u011b\u017en\u00e9ho \u00fa\u010dtu na spo\u0159ic\u00ed s co nejlep\u0161\u00edm \u00faro\u010den\u00edm, aby zbyte\u010dn\u011b neztr\u00e1cely na hodnot\u011b.N\u00e1klady na dopravu: Janka si kupuje m\u011bs\u00ed\u010dn\u00ed j\u00edzdenku zhruba za 500 K\u010d, zat\u00edmco Ivan jednotliv\u00e9 j\u00edzdy podle toho, kde zrovna pracuje, ale mo\u017en\u00e1 to vych\u00e1z\u00ed ve v\u00fdsledku podobn\u011b. M\u011bs\u00ed\u010dn\u00ed j\u00edzdenka je nejen o cen\u011b, ale i jistota. Do budoucna stoj\u00ed za zv\u00e1\u017een\u00ed n\u00e1kup na del\u0161\u00ed obdob\u00ed, co\u017e je v\u00fdhodn\u011bj\u0161\u00ed.Dop\u0159ejte si mal\u00e9 radosti: I v n\u00e1ro\u010dn\u00e9 situaci si \u010dlov\u011bk zaslou\u017e\u00ed mal\u00e9 radosti. Pomoci mohou t\u0159eba aplikace Nesn\u011bzeno nebo Too Good To Go, kter\u00e9 nab\u00edzej\u00ed j\u00eddlo z restaurac\u00ed a kav\u00e1ren za v\u00fdrazn\u011b ni\u017e\u0161\u00ed ceny, nebo facebookov\u00e9 skupiny, kde lid\u00e9 ve sv\u00e9m okol\u00ed zdarma nab\u00edzej\u00ed p\u0159ebytky z dom\u00e1cnosti \u010di zahrady. Nejde jen o \u00fasporu, ale hlavn\u011b o zp\u016fsob, jak si zp\u0159\u00edjemnit den.Kou\u0159en\u00ed: Pokud by byli man\u017eel\u00e9 ochotn\u00ed p\u0159estat kou\u0159it<\/a>, rodinn\u00fd rozpo\u010det by to okam\u017eit\u011b poc\u00edtil: dva tis\u00edce m\u011bs\u00ed\u010dn\u011b je 24\u00a0000 K\u010d ro\u010dn\u011b, tedy skoro cel\u00e1 rezerva, kterou Janka tak pracn\u011b vybudovala. Odvyk\u00e1n\u00ed p\u0159itom nemus\u00ed st\u00e1t nic. Zdravotn\u00ed poji\u0161\u0165ovny maj\u00ed programy<\/a>, v jejich\u017e r\u00e1mci se p\u0159isp\u00edv\u00e1 na poradenstv\u00ed i farmakoterapii.S k\u00fdm jsme si pov\u00eddali o\u00a0pen\u011bz\u00edch?<\/p>\n

Mluv\u00edme se skute\u010dn\u00fdmi \u017eenami o\u00a0jejich skute\u010dn\u00fdch p\u0159\u00edjmech, v\u00fddaj\u00edch a\u00a0finan\u010dn\u00edch probl\u00e9mech.<\/p>\n

Kucha\u0159ka Katka:<\/a> Jak m\u00edt na \u00fa\u010dtu tolik, aby p\u0159e\u017eila, kdyby p\u0159i\u0161la o pr\u00e1ci?Samo\u017eivitelka asistentka Blanka:<\/a> \u017dije s kalkula\u010dkou v hlav\u011b.Matka p\u011bti d\u011bt\u00ed Jana:<\/a> Jak a\u00a0s kolika pen\u011bzi hospoda\u0159\u00ed velk\u00e1 rodina?Osam\u011bl\u00e1 d\u016fchodkyn\u011b Ad\u00e9la:<\/a> Jak vyjde ze sv\u00e9ho d\u016fchodu?Vdova Marie:<\/a> Jak se vyrovnala s finan\u010dn\u00edmi dopady po smrti man\u017eela?T\u0159icetilet\u00e1 asistentka Mark\u00e9ta:<\/a> Jak zvl\u00e1d\u00e1 hospoda\u0159it? Je na v\u0161echno sama.U\u010ditelka Marcela:<\/a> \u017dije sama s d\u011btmi a ob\u010das mus\u00ed na brig\u00e1du.Samo\u017eivitelka Lucie:<\/a> Jak u\u017eiv\u00ed dv\u011b d\u011bti, kdy\u017e pracuje jen 9 m\u011bs\u00edc\u016f v roce?Invalidn\u00ed d\u016fchodkyn\u011b Mariana:<\/a> Jak vy\u017eije t\u011b\u017ece nemocn\u00e1 \u017eena po rozvodu?Mlad\u00e1 knihovnice Erika<\/a>: Jak vy\u017eije single \u017eena s 22 tis\u00edci?Mlad\u00e1 l\u00e9ka\u0159ka Jana<\/a>: Co si m\u016f\u017ee dovolit svobodn\u00e1 \u017eena se 45 tis\u00edci?Policistka Monika:<\/a> Jak vyjde s\u00a0v\u00fdplatou svobodn\u00e1 \u017eena, kterou \u017eiv\u00ed st\u00e1t?St\u00e1tn\u00ed zam\u011bstnankyn\u011b Eva:<\/a> 3 d\u011bti, hypot\u00e9ka, alimenty… Lze to zvl\u00e1dnout?Prodava\u010dka St\u00e1\u0148a:<\/a> V\u00fdplata nic moc, a\u00a0nav\u00edc \u017e\u00e1dn\u00e9 volno.Pracovnice v kultu\u0159e Mark\u00e9ta:<\/a> Rozpo\u010det zvl\u00e1d\u00e1 d\u00edky mamince.Zdravotn\u00ed sestra Marie:<\/a> M\u00e1 se dob\u0159e, ale v\u00fddaje si hl\u00eddat mus\u00ed.L\u00e9k\u00e1rnice Gabriela:<\/a> Na m\u011bs\u00edc m\u00e1 jej\u00ed rodina 100 tis\u00edc korun.Studentka Sofie:<\/a> V\u0161echno plat\u00ed jej\u00ed p\u0159\u00edtel.Podnikatelka Lucie:<\/a> M\u00e1me 100 tis\u00edc, ale v luxusu ne\u017eijeme.Recep\u010dn\u00ed Jarka:<\/a> Po man\u017eelov\u011b \u00farazu z\u016fstali bez pen\u011bz.U\u010ditelka Libu\u0161e:<\/a> \u017dije si skv\u011ble a utr\u00e1c\u00ed za sebe.Kur\u00fdrka Blanka:<\/a> Je finan\u010dn\u011b na dn\u011b…Spr\u00e1vcov\u00e1 Ad\u00e9la:<\/a> V\u0161e platila firma, te\u010f je \u010dek\u00e1 zm\u011bna.Obsluha na benzince Mirka:<\/a> Nem\u00e1me na spole\u010dn\u00e9 bydlen\u00ed.Samo\u017eivitelka Jana<\/a>: Od nikoho nic ne\u010dek\u00e1m!Pomocn\u00e1 kucha\u0159ka Veronika<\/a>: Maj\u00ed max. 40 tis\u00edc, ale nest\u011b\u017euj\u00ed si.Invalidn\u00ed d\u016fchodkyn\u011b Ji\u0159ina:<\/a> \u017dije sama a dok\u00e1\u017ee u\u0161et\u0159it.Na\u010fa na rodi\u010dovsk\u00e9:<\/a> Nemaj\u00ed m\u00e1lo, ale po\u010d\u00edtat mus\u00ed.Grafi\u010dka Hedvika:<\/a> \u0160et\u0159\u00ed s mu\u017eem na zuby a rekonstrukci bytu.Vdova Tamara:<\/a> M\u00e1 rakovinu a z\u016fstala sama na 3 d\u011bti.Prodava\u010dka Marta:<\/a> M\u00e1me p\u011bt d\u011bt\u00ed a chceme jim dop\u0159\u00e1t i z m\u00e1la.Samo\u017eivitelka Simona:<\/a> Utekla od tyrana s d\u011btmi, chod\u00ed na brig\u00e1dy.\u00da\u010detn\u00ed Ivona:<\/a> P\u0159\u00edjem n\u00e1m umo\u017e\u0148uje pracovat m\u00e9n\u011b a\u00a0b\u00fdt s\u00a0d\u011btmi.Katka na rodi\u010dovsk\u00e9:<\/a> Vyjdeme, ale zbyte\u010dn\u011b utr\u00e1c\u00edm.Podnikatelka Ev\u017eenie:<\/a> Za\u010d\u00ednali jsme od nuly, te\u010f m\u00e1me pen\u011bz dost.Serv\u00edrka Marie:<\/a> P\u0159e\u017e\u00edv\u00e1me, ale jestli budu nemocn\u00e1, tak nev\u00edm.Mana\u017eerka Romana:<\/a> Investujeme do zlata a ne\u0161et\u0159\u00edme.Bank\u00e9\u0159ka Erika:<\/a> Zdra\u017eov\u00e1n\u00ed u\u017e m\u011b ned\u011bs\u00ed, ale boj\u00edm se nemoci.Skladnice L\u00edda:<\/a> \u017dij\u00ed z ruky do \u00fast a \u0161et\u0159it nen\u00ed z \u010deho.Kv\u011btin\u00e1\u0159ka Veronika:<\/a> Sv\u016fj vysn\u011bn\u00fd obchod u\u017e asi dlouho neudr\u017e\u00ed.Asistentka Radana:<\/a> A\u017e splat\u00edme dluhy, zbl\u00e1zn\u00edm se radost\u00ed!P\u0159ekladatelka Daniela:<\/a> Na vlastn\u00ed bydlen\u00ed nikdy neu\u0161et\u0159\u00edme…Zdravotn\u00ed sestra Marie:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, ale zase se skoro nevid\u00edme.L\u00e9k\u00e1rnice Dita:<\/a> Man\u017eel bere jen z\u00e1kladn\u00ed plat, zbytek na ruku.Zdravotn\u00ed sestra T\u00e1\u0148a:<\/a> Nev\u00edm, kolik bere man\u017eel, a nevad\u00ed mi to.D\u016fchodkyn\u011b Radana:<\/a> Chod\u00edm na brig\u00e1dy a nedr\u017e\u00edm se zp\u00e1tky.Studentka Ji\u0159ina:<\/a> Studuju a m\u00e1m dv\u011b brig\u00e1dy, ale nev\u00edm, zda vyjdu.Rozveden\u00e1 u\u010ditelka Dana:<\/a> Um\u00ed chyt\u0159e \u0161et\u0159it a chce do p\u0159ed\u010dasn\u00e9ho d\u016fchodu.Kade\u0159nice Karol\u00edna:<\/a> Dohromady daj\u00ed hodn\u011b pen\u011bz, chystaj\u00ed stavbu domu.Administrativn\u00ed pracovnice Radka:<\/a> Chod\u00ed na brig\u00e1dy a\u00a0\u0161et\u0159\u00ed, kde se d\u00e1.Ovdov\u011bl\u00e1 pokladn\u00ed Sv\u011btlana:<\/a> Nevzali jsme se, vdovsk\u00fd d\u016fchod nem\u00e1m.Silvie pracuje v kancel\u00e1\u0159i:<\/a> V\u0161echno zaplat\u00edme a spo\u0159\u00edme, ale nic si neu\u017eijeme.Pokojsk\u00e1 Kate\u0159ina:<\/a> Jsem z\u00e1visl\u00e1 na d\u00e1vk\u00e1ch. Kdy\u017e v\u00edc vyd\u011bl\u00e1m, nevy\u017eijeme.Market\u00e9rka Karla:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, do d\u016fchodu chceme v\u00a050!Podruh\u00e9 vdan\u00e1 \u00fa\u010detn\u00ed Helena:<\/a> Podporuji dceru, mu\u017eovy d\u011bti mi to vy\u010d\u00edtaj\u00ed.U\u010ditelka Jana:<\/a> Kv\u016fli rodin\u011b opustila dob\u0159e placenou pr\u00e1ci, te\u010f je ale rozveden\u00e1.Pr\u016fvodkyn\u011b Romana:<\/a> Zuba\u0159e m\u00e1m v Asii, v \u010cesku chod\u00edm do sek\u00e1\u010de.B\u00fdval\u00e1 \u0159editelka \u0161koly Magdalena:<\/a> D\u011btem po mn\u011b nic nez\u016fstane. Jen d\u016fm.Program\u00e1torka Jana:<\/a> Ani s p\u0159\u00edjmem \u010dtvrt milionu m\u011bs\u00ed\u010dn\u011b neutr\u00e1c\u00edme.Prodejkyn\u011b kuchyn\u00ed Kamila:<\/a> \u017dije sama, nic j\u00ed nechyb\u00ed, ale boj\u00ed se d\u016fchodu.Lektorka Nikol na rodi\u010dovsk\u00e9:<\/a> Ex na mn\u011b parazituje, ale bez n\u011bj bych nevy\u0161la.D\u016fchodkyn\u011b Kv\u011bta:<\/a> Pracuje, spo\u0159\u00ed a\u00a0podporuje dceru v\u00a0USA.Samo\u017eivitelka Irena: <\/a>M\u00e1m dv\u011b d\u011bti, dv\u011b brig\u00e1dy a\u00a0dluhy.M\u00e1ma na mate\u0159sk\u00e9 Ilona:<\/a> Nem\u00e1me ani na po\u0159\u00e1dn\u00e9 j\u00eddlo pro d\u011bti.Studentka Sofie v dom\u00e1cnosti:<\/a> \u017diju jako milenka, v\u0161echno plat\u00ed p\u0159\u00edtel.Finan\u010dn\u00ed analyti\u010dka Janka:<\/a> Vyd\u011bl\u00e1me 220\u00a0tis\u00edc, ale skoro neutr\u00e1c\u00edme.Samo\u017eivitelka Tamara:<\/a> Je sama na \u010dty\u0159i d\u011bti, ex neplat\u00ed alimenty.Pr\u00e1vni\u010dka Marika:<\/a> M\u00e1me hodn\u011b, u\u017e\u00edv\u00e1me, ale nerozhazujeme.Seniorka Ivana:<\/a> \u017dijeme si dob\u0159e, ale co a\u017e tu jeden z\u016fstane na v\u0161e s\u00e1m?Asistentka pedagoga Magda:<\/a> Nechci alimenty ani d\u00e1vky. Dceru u\u017eiv\u00edm sama.Seniorka Alena:<\/a> D\u016fm n\u00e1m pad\u00e1 na hlavu, d\u011bti o n\u011bj nejev\u00ed z\u00e1jem.Vdova Marcela:<\/a> \u017diju jinak ne\u017e kamar\u00e1dky, mu\u017e m\u011b zabezpe\u010dil.M\u00e1ma na mate\u0159sk\u00e9 Radana:<\/a> Boj\u00edm se, aby se d\u011bti nestyd\u011bly, \u017ee jsme chud\u00ed.Kosmeti\u010dka Dominika:<\/a> N\u011bco si vyd\u011bl\u00e1me, ale nen\u00ed to \u017e\u00e1dn\u00e1 sl\u00e1va.Podnikatelka Karol\u00edna:<\/a> Jsme milion\u00e1\u0159i bez radosti, p\u0159i\u0161li jsme o syna.Maminka Pavl\u00edna:<\/a> Cht\u011bla jsem d\u011bti a\u00a0ka\u0161lala jsem na vzd\u011bl\u00e1n\u00ed.Barmanka Sv\u011btlana:<\/a> Vyd\u011bl\u00e1m si dost, ale dom\u016f chod\u00edm jen p\u0159espat.Prodava\u010dka Iveta:<\/a> P\u016fl roku \u017eijeme z\u00a0podpory a\u00a0sp\u00ed\u0161 p\u0159e\u017e\u00edv\u00e1me.Samo\u017eivitelka Romana:<\/a> Skon\u010dila jsem t\u011bhotn\u00e1 na ulici, ale nebre\u010d\u00edm.Taxik\u00e1\u0159ka V\u011bra:<\/a> Za volant sedla z nouze po rozvodu. Co d\u011blat d\u00e1l?U\u010ditelka hudby Jitka:<\/a> Aby vy\u0161la, mus\u00ed si p\u0159ivyd\u011bl\u00e1vat.Veronika na rodi\u010dovsk\u00e9:<\/a> Spl\u00e1c\u00edme dluhy, na \u017eivot n\u00e1m moc nezb\u00fdv\u00e1.Dent\u00e1ln\u00ed hygienistka Sl\u00e1vka:<\/a> Kv\u016fli p\u00e9\u010di o\u00a0maminky \u017eijeme s mu\u017eem ka\u017ed\u00fd jinde.Oper\u00e1torka Simona:<\/a> Star\u00e1m se o\u00a0tat\u00ednka s\u00a0alzheimerem, v\u0161echno t\u00e1hne man\u017eel.\u0158editelka marketingu Veronika:<\/a> M\u00e1me se dob\u0159e d\u00edky vlastn\u00edmu \u00fasil\u00ed.Pedik\u00e9rka Stanislava:<\/a> Abych v\u0161echno poplatila, pracuju 7\u00a0dn\u00ed v t\u00fddn\u016f.Kulturn\u00ed referentka Tamara:<\/a> Bude mi 30 a\u00a0po\u0159\u00e1d bydl\u00edm u\u00a0na\u0161ich v pokoj\u00ed\u010dku.Eva z pivovaru:<\/a> Prvn\u00ed dluhy jsem m\u011bla u\u017e v\u00a018.\u00a0Dnes\u00a0m\u00e1m \u010dist\u00fd st\u016fl.\u017dena v\u00a0dom\u00e1cnosti Katka:<\/a> Nevyd\u011bl\u00e1v\u00e1m, p\u0159esto se m\u00e1me dob\u0159e.Asistentka Ji\u0159ina:<\/a> S dcerkou m\u00e1me napjat\u00fd rozpo\u010det, ale m\u00e1me klid!\u00da\u010detn\u00ed Anna:<\/a> Pl\u00e1n na d\u016fchod zkrachoval, u\u017e se nesta\u010d\u00edme zabezpe\u010dit!D\u016fchodkyn\u011b Helena:<\/a> Cel\u00fd \u017eivot jsem pracovala, v d\u016fchodu sotva vyjdu.U\u010detn\u00ed Jana:<\/a> S mu\u017eem se chystaj\u00ed na d\u016fchod, chalupa je jejich jistota.Jak se hospoda\u0159\u00ed na Slovensku:<\/a> rodina s d\u00edt\u011btemInvalidn\u00ed man\u017eel\u00e9:<\/a> Tou\u017e\u00ed po vlastn\u00edm dom\u011b a jistot\u011b na st\u00e1\u0159\u00ed.Projektantka Petra:<\/a> \u017dijeme skromn\u011b, na\u0161e priorita je splatit d\u016fm.Asistentka Ema:<\/a> Cestujeme. Co vyd\u011bl\u00e1me, to utrat\u00edme.Jak se hospoda\u0159\u00ed na Kan\u00e1rsk\u00fdch ostrovech:<\/a> \u010ce\u0161i provozuj\u00ed ekofarmu.Jind\u0159i\u0161ka v p\u0159ed\u010dasn\u00e9m d\u016fchodu:<\/a> Penzi si chceme u\u017e\u00edt.Serv\u00edrka Veronika:<\/a> M\u00e1me hypot\u00e9ku a vyd\u011bl\u00e1v\u00e1me vlastn\u011b jenom na ni.<\/p>\n","protected":false},"excerpt":{"rendered":"Jak \u010desk\u00e9 dom\u00e1cnosti vysta\u010d\u00ed s\u00a0financemi? Nab\u00edz\u00edme re\u00e1ln\u00fd pohled do \u00fa\u010dt\u016f skute\u010dn\u00fdch rodin\u00a0\u2013 samoz\u0159ejm\u011b tak, aby byla zachov\u00e1na anonymita,…\n","protected":false},"author":2,"featured_media":27749,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[12527,67,68,648,12525,1529,884,889,5317,12526,1624],"class_list":{"0":"post-27748","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-bez-prace","9":"tag-business","10":"tag-byznys","11":"tag-dluhy","12":"tag-financni-rezerva","13":"tag-nezamestnanost","14":"tag-podcast-mluvte-o-penezich","15":"tag-rodinne-finance","16":"tag-socialni-davky","17":"tag-trestni-odpovednost","18":"tag-vezeni"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116248369113842929","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/27748","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=27748"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/27748\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/27749"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=27748"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=27748"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=27748"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}