{"id":62361,"date":"2026-04-22T04:07:07","date_gmt":"2026-04-22T04:07:07","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/62361\/"},"modified":"2026-04-22T04:07:07","modified_gmt":"2026-04-22T04:07:07","slug":"jak-hospodari-rodina-s-peti-detmi","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/62361\/","title":{"rendered":"Jak hospoda\u0159\u00ed rodina s p\u011bti d\u011btmi"},"content":{"rendered":"

Jsme r\u00e1di, kdy\u017e n\u00e1m sv\u011b\u0159\u00edte sv\u00e9 hospoda\u0159en\u00ed a\u00a0pop\u00ed\u0161ete, jak vych\u00e1z\u00edte jako rodina se sv\u00fdmi p\u0159\u00edjmy. P\u0159\u00edsp\u011bvky m\u016f\u017eete pos\u00edlat 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

Velk\u00e1 rodina neznamen\u00e1, \u017ee d\u011bti budou str\u00e1dat<\/p>\n

Rodina bydl\u00ed v\u00a0Praze v\u00a0byt\u011b\u00a0\u2013 koupili si ho \u010d\u00e1ste\u010dn\u011b i\u00a0na hypot\u00e9ku, kterou spl\u00e1cej\u00ed. Aneta je \u00fa\u010detn\u00ed, kter\u00e1 m\u016f\u017ee pracovat z\u00a0domova, co\u017e j\u00ed velmi usnad\u0148uje p\u00e9\u010di o\u00a0p\u011bt d\u011bt\u00ed, proto\u017ee si m\u016f\u017ee rozlo\u017eit dobu pr\u00e1ce podle jejich pot\u0159eb. Man\u017eel podnik\u00e1 ve stavebnictv\u00ed a\u00a0i on je do jist\u00e9 m\u00edry \u010dasov\u011b flexibiln\u00ed. Dohromady vyd\u011blaj\u00ed 70\u00a0tis\u00edc\u00a0K\u010d a\u00a0valnou \u010d\u00e1st z\u00a0toho utrat\u00ed za nutn\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje.<\/p>\n

\u201eJsme sedmi\u010dlenn\u00e1 rodina, nejstar\u0161\u00edmu synovi je 14, star\u0161\u00ed dce\u0159i 11, pak m\u00e1me je\u0161t\u011b p\u011btilet\u00e9ho syna a\u00a0dvoulet\u00e1 dvoj\u010data, dcery. Co se t\u00fdk\u00e1 pot\u0159eb d\u011bt\u00ed, nejv\u00edc n\u00e1s stoj\u00ed krou\u017eky<\/a>, \u0161koln\u00ed v\u00fdlety a\u00a0pobyty\u00a0\u2013 to jsou z\u00e1\u017eitky, o\u00a0kter\u00e9 je nechceme ochuzovat jen proto, \u017ee maj\u00ed v\u00edc sourozenc\u016f. Kdy\u017e se v\u00a0pololet\u00ed platily krou\u017eky, st\u00e1ly kolem 25\u00a0tis\u00edc. Syn hraje florbal, dcera tancuje street dance a\u00a0hraje na fl\u00e9tnu a\u00a0chod\u00ed na tvo\u0159en\u00ed. Men\u0161\u00edmu synovi plat\u00edme \u0161kolkovn\u00e9 a\u00a0stravn\u00e9, to jsou asi dva tis\u00edce. Dvoj\u010data je\u0161t\u011b do \u0161kolky nechod\u00ed. Sna\u017e\u00edme se, aby d\u011bti m\u011bly v\u0161estrann\u00e9 volno\u010dasov\u00e9 vy\u017eit\u00ed,\u201c napsala Aneta.<\/p>\n

Sna\u017e\u00edme se \u0161et\u0159it na v\u0161em<\/p>\n

Pot\u0159eby d\u011bt\u00ed p\u0159edstavuj\u00ed z\u00e1sadn\u00ed v\u00fddaj, proto se rodina sna\u017e\u00ed maxim\u00e1ln\u011b u\u0161et\u0159it. \u201eOb\u011bdy ve \u0161kole neplat\u00edme, nebo\u0165 n\u00e1s \u0161kola oslovila, \u017ee spl\u0148ujeme podm\u00ednky pro projekt neziskovky Women for Women<\/a>, kter\u00e1 ob\u011bdy propl\u00e1c\u00ed. Co se t\u00fd\u010de oble\u010den\u00ed, nov\u00e9 nakupujeme jen ob\u010das, hodn\u011b toho dost\u00e1v\u00e1me od zn\u00e1m\u00fdch nebo nakupujeme v\u00a0second handech<\/a>. To m\u00e1m i\u00a0dobr\u00fd pocit, \u017ee d\u011bl\u00e1m n\u011bco pro planetu. N\u00e1ro\u010dn\u011bj\u0161\u00ed je doba n\u00e1kupu \u0161koln\u00edch pot\u0159eb na za\u010d\u00e1tku \u0161koln\u00edho roku, kdy\u017e dostaneme od \u0161koly seznam nutn\u00fdch v\u011bc\u00ed\u00a0\u2013 v\u011bt\u0161inou se vejdeme do sedmi\u00a0tis\u00edc.\u201c<\/p>\n

Aby rodina u\u0161et\u0159ila, Anetin man\u017eel sjednal u\u00a0mobiln\u00edho oper\u00e1tora tarify zhruba o\u00a030\u00a0% v\u00fdhodn\u011bj\u0161\u00ed ne\u017e jsou b\u011b\u017en\u00e9 ceny. Rodina vyu\u017e\u00edv\u00e1 r\u016fzn\u00e9 benefity p\u0159i placen\u00ed kartou, v\u00fdhody za pravideln\u00e9 n\u00e1kupy v\u00a0obchodech \u010di platby od banky a\u00a0hl\u00eddaj\u00ed si ceny elekt\u0159iny a\u00a0plynu a\u00a0sna\u017e\u00ed se vyu\u017e\u00edt nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku. \u00da\u010dastn\u00ed se i\u00a0sout\u011b\u017e\u00ed pro z\u00e1kazn\u00edky\u00a0\u2013 a\u00a0vyplatilo se, p\u0159ed dv\u011bma lety vyhr\u00e1li balen\u00ed 800\u00a0plen, tedy z\u00e1sobu na p\u00e1r m\u011bs\u00edc\u016f\u2026<\/p>\n

Hospoda\u0159it u\u010d\u00ed i\u00a0d\u011bti.<\/a> \u201eDost\u00e1vaj\u00ed kapesn\u00e9, kter\u00e9 jim pos\u00edlaj\u00ed hlavn\u011b babi\u010dka a\u00a0d\u011bda. Z\u00a0n\u011bj si hrad\u00ed n\u011bjak\u00e9 dobroty, nebo kdy\u017e si n\u011bco cht\u011bj\u00ed samy koupit bez rodi\u010d\u016f. Oba star\u0161\u00ed maj\u00ed d\u011btsk\u00e9 \u00fa\u010dty a\u00a0sledujeme, za co utr\u00e1cej\u00ed a\u00a0z\u016fstatek.\u201c<\/p>\n

Rodina vyu\u017e\u00edv\u00e1 i\u00a0pomoci, kterou jim nab\u00edzej\u00ed kamar\u00e1di i\u00a0p\u0159\u00e1tel\u00e9. \u201eOd nich i\u00a0lid\u00ed z\u00a0okol\u00ed dost\u00e1v\u00e1me nab\u00eddku v\u011bc\u00ed po jejich d\u011btech. V\u00e1\u017e\u00edme si toho, a\u00a0i kdy\u017e t\u0159eba hra\u010dky moment\u00e1ln\u011b odm\u00edt\u00e1me, proto\u017ee jich m\u00e1me hodn\u011b, ale zas velmi v\u00edt\u00e1me kola, ly\u017ee a\u00a0brusle r\u016fzn\u00fdch velikost\u00ed, proto\u017ee kdy\u017e ne te\u010f, tak v\u00a0budoucnu se n\u00e1m hod\u00ed, proto\u017ee je n\u00e1s hodn\u011b.\u201c<\/p>\n

Prarodi\u010de n\u00e1m velmi pom\u00e1haj\u00ed<\/p>\n

Rodin\u011b vypom\u00e1haj\u00ed i\u00a0prarodi\u010de. Nap\u0159\u00edklad t\u00edm, \u017ee pos\u00edlaj\u00ed d\u011btem kapesn\u00e9 nebo hl\u00eddaj\u00ed. \u201eBabi\u010dka bydl\u00ed asi dvacet kilometr\u016f od n\u00e1s, a\u00a0tak dvakr\u00e1t t\u00fddn\u011b p\u0159ijede s\u00a0n\u011b\u010d\u00edm na zub, co maj\u00ed d\u011bti r\u00e1dy. Nakupuje v\u00a0obchodech s\u00a0levn\u00fdm zbo\u017e\u00edm, a\u00a0tak n\u00e1s z\u00e1sobuje i\u00a0jinak. J\u00e1 osobn\u011b hodn\u011b nakupuji na Ko\u0161\u00edku, proto\u017ee v\u00fdprava s\u00a0t\u0159emi mal\u00fdmi d\u011btmi do obchodu nen\u00ed moc dobr\u00fd n\u00e1pad, tak\u017ee vyu\u017e\u00edv\u00e1m toho, \u017ee nakoup\u00edm na d\u00e1lku a\u00a0p\u0159ivezou mi to, kdy pot\u0159ebuji.\u201c<\/p>\n

Kdy\u017e u\u017e rodi\u010de s\u00a0d\u011btmi n\u011bkam vyraz\u00ed, pak to je na v\u00fdlet \u010di na n\u00e1v\u0161t\u011bvu muzea, z\u00e1mku \u010di jin\u00e9 pam\u011btihodnosti. \u201eHl\u00edd\u00e1m, kdy jsou v\u00fdhodn\u011bj\u0161\u00ed ceny. Sna\u017e\u00edme si tento \u010das u\u017e\u00edt a\u00a0popov\u00eddat si, na co\u017e nen\u00ed b\u011bhem v\u0161edn\u00edch dn\u00ed \u010das. Co se t\u00fdk\u00e1 pr\u00e1zdnin, jsou to velk\u00e9 v\u00fddaje. Star\u0161\u00ed d\u011bti maj\u00ed t\u00e1bory a\u00a0soust\u0159ed\u011bn\u00ed, to b\u00fdv\u00e1 tak okolo 30\u00a0tis\u00edc, chceme, aby tr\u00e1vily \u010das s\u00a0vrstevn\u00edky a\u00a0m\u011bly hezk\u00e9 z\u00e1\u017eitky. To je priorita!\u201c<\/p>\n

Rodina vyr\u00e1\u017e\u00ed \u010dasto i\u00a0do lesa, kde se d\u011bti prob\u011bhnou a\u00a0dosp\u011bl\u00ed odpo\u010dinou. V\u00a0l\u00e9t\u011b jezd\u00ed do kemp\u016f do chatek, ale sp\u00ed\u0161 na prodlou\u017een\u00e9 v\u00edkendy. \u201ePobyt nen\u00ed nikdy del\u0161\u00ed ne\u017e t\u0159i\u00a0noci, abychom si to mohli dovolit. P\u0159i takov\u00e9m pobytu v\u011bt\u0161inou je\u0161t\u011b hodn\u011b utrat\u00edme za j\u00eddlo v\u00a0restaurac\u00edch, ve fastfoodech. Na dovolen\u00e9 neva\u0159\u00edme, sp\u00ed\u0161 si u\u017e\u00edv\u00e1me, tak\u017ee to vyjde i\u00a0na 15\u00a0a\u017e 20\u00a0tis\u00edc.\u201c<\/p>\n

Man\u017eel\u00e9 vlastn\u00ed dv\u011b p\u011btim\u00edstn\u00e1 auta, proto\u017ee oba pot\u0159ebuj\u00ed b\u00fdt flexibiln\u00ed. \u201eJsou to b\u011b\u017en\u00e1 ojet\u00e1 auta, ale jsme s\u00a0nimi spokojeni.\u201c<\/p>\n

P\u00e9\u010de o\u00a0sebe? To je n\u00e1ro\u010dn\u00e9!<\/p>\n

Zaj\u00edmalo n\u00e1s, jestli si maminka p\u011bti d\u011bt\u00ed, kter\u00e1 sou\u010dasn\u011b pracuje, najde \u010das a\u00a0pen\u00edze i\u00a0na sv\u00e9 z\u00e1jmy nebo p\u00e9\u010di o\u00a0sebe. \u201eS dvoj\u010daty a\u00a0prac\u00ed je to n\u00e1ro\u010dn\u00e9, jsem nonstop v\u00a0klusu. Ke kade\u0159nici<\/a> zajdu tak t\u0159ikr\u00e1t ro\u010dn\u011b, je to kamar\u00e1dka, v\u017edycky n\u00e1s ost\u0159\u00edh\u00e1 v\u0161echny a\u00a0plat\u00edm j\u00ed tak t\u0159i\u00a0tis\u00edce. Sna\u017e\u00edm se udr\u017eet si n\u011bjak\u00e9 kon\u00ed\u010dky\u00a0\u2013\u00a0ob\u010das jdu do kina, sleduji zaj\u00edmav\u00e9 dokumenty a\u00a0d\u011bn\u00ed ve sv\u011bt\u011b. Chodila jsem na pravideln\u00e9 cvi\u010den\u00ed venku s\u00a0d\u011btmi, ale to mi te\u010f skon\u010dilo, co\u017e m\u011b mrz\u00ed. St\u00e1lo to 200\u00a0K\u010d, ale byl to pohyb i\u00a0relax, tak\u017ee dob\u0159e vynalo\u017een\u00e9 pen\u00edze.\u201c<\/p>\n

Finan\u010dn\u00ed dotazn\u00edk \u00fa\u010detn\u00ed s\u00a0p\u011bti d\u011btmi<\/p>\n

Rodinn\u00fd stav a\u00a0po\u010det d\u011bt\u00ed: Vdan\u00e1, 5\u00a0d\u011bt\u00ed<\/p>\n

Povol\u00e1n\u00ed man\u017eel\u016f: \u00da\u010detn\u00ed a\u00a0OSV\u010c ve stavebnictv\u00ed<\/p>\n

Celkov\u00e9 p\u0159\u00edjmy: 70\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na bydlen\u00ed: 15\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na\u00a0j\u00eddlo: 22\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na\u00a0oble\u010den\u00ed: Do 4\u00a0000\u00a0K\u010d<\/p>\n

Dal\u0161\u00ed v\u011bt\u0161\u00ed v\u00fddaje: Internet\/TV\/mobily 2\u00a0000\u00a0K\u010d, \u0161kolka 2\u00a0000\u00a0K\u010d, n\u00e1klady na auta p\u0159ibli\u017en\u011b 5\u00a0000\u00a0K\u010d, krou\u017eky a\u00a0v\u00fddaje za \u0161kolu asi tak 5\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b (plat\u00ed se jednor\u00e1zov\u011b), n\u00e1klady na drogerii a\u00a0pot\u0159eby do dom\u00e1cnosti do 1\u00a0500\u00a0K\u010d<\/p>\n

Kolik m\u00e1me naspo\u0159eno: 100\u00a0000\u00a0K\u010d<\/p>\n

Kolik m\u016f\u017eeme d\u00e1t za dovolenou: 35\u201340\u00a0000\u00a0K\u010d<\/p>\n

Finan\u010dn\u00ed zlozvyky: Kupovat nepot\u0159ebn\u00e9 v\u011bci (j\u00eddlo, kter\u00e9 pak vyhazujeme). Moment\u00e1ln\u011b si na m\u00f3du moc nepotrp\u00edm, d\u011bti mi v\u0161e stejn\u011b hned uma\u017eou. Kdy\u017e jdu n\u011bkam, kde je pot\u0159eba \u201en\u011bjak vypadat\u201c, vytahuji \u201estar\u00e9 osv\u011bd\u010den\u00e9 kousky\u201c. \u017de bych relaxovala t\u00edm, \u017ee bych chodila po obchodech, to ne\u00a0\u2013 nebo zat\u00edm ne.<\/p>\n

Finan\u010dn\u00ed c\u00edle: Uchovat\u00a0si svoji\u00a0finan\u010dn\u00ed jistotu<\/p>\n

Finan\u010dn\u00ed obavy: Kdy\u017e se zv\u00fd\u0161\u00ed ceny, budeme muset p\u0159estat d\u011btem platit krou\u017eky a\u00a0nebudou m\u00edt vy\u017eit\u00ed.<\/p>\n

Hodnocen\u00ed rodinn\u00e9 situace: Celkem uspokojiv\u00e1, nevyskakujeme si, neutr\u00e1c\u00edme za blbosti, pom\u00e1haj\u00ed n\u00e1m prarodi\u010de.<\/p>\n

Rodina zvl\u00e1d\u00e1 dob\u0159e, ale m\u011bla by v\u00edc myslet na budoucnost<\/p>\n

\u201eNa prvn\u00ed pohled je vid\u011bt, \u017ee rodina pan\u00ed Anety funguje velmi dob\u0159e. Zvl\u00e1daj\u00ed ka\u017edodenn\u00ed v\u00fddaje, maj\u00ed stabiln\u00ed z\u00e1zem\u00ed a\u00a0dok\u00e1\u017eou d\u011btem dop\u0159\u00e1t v\u0161e, co pot\u0159ebuj\u00ed. To rozhodn\u011b nen\u00ed samoz\u0159ejmost a\u00a0zaslou\u017e\u00ed si za to velk\u00fd palec nahoru. Z\u00e1rove\u0148 je ale kl\u00ed\u010dov\u00e9 d\u00edvat se dop\u0159edu. To, \u017ee dnes v\u0161echno vych\u00e1z\u00ed, je\u0161t\u011b neznamen\u00e1, \u017ee to tak bude i\u00a0za p\u00e1r let,\u201c hodnot\u00ed situaci Ji\u0159\u00ed Hluch\u00fd, CEO fintechov\u00e9ho startupu Frenkee, a\u00a0doporu\u010duje ud\u011blat p\u00e1r opat\u0159en\u00ed:<\/p>\n

Zamyslet se nad rezervou: Sto tis\u00edc je dobr\u00fd z\u00e1klad, ale u tak velk\u00e9 rodiny by sta\u010dila na jeden a\u017e dva m\u011bs\u00edce fungov\u00e1n\u00ed. V\u011bt\u0161\u00ed klid by p\u0159inesla rezerva ve v\u00fd\u0161i alespo\u0148 t\u0159\u00ed a\u017e \u0161esti m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f<\/a>, zhruba 250 a\u017e 300 tis\u00edc. Nejv\u011bt\u0161\u00ed smysl d\u00e1v\u00e1 m\u00edt tyto pen\u00edze ulo\u017een\u00e9 na spo\u0159ic\u00edm \u00fa\u010dtu, aby byly kdykoliv dostupn\u00e9 a z\u00e1rove\u0148 se alespo\u0148 \u010d\u00e1ste\u010dn\u011b zhodnocovaly.Investice: Jakmile budou m\u00edt na spo\u0159ic\u00edm \u00fa\u010dtu dostate\u010dnou rezervu, d\u00e1v\u00e1 smysl pokra\u010dovat v odkl\u00e1d\u00e1n\u00ed dal\u0161\u00edch pen\u011bz formou jednoduch\u00e9ho investov\u00e1n\u00ed<\/a>. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o pod\u00edlov\u00e9 fondy nebo pravideln\u00e9 investov\u00e1n\u00ed do \u0161iroce diverzifikovan\u00fdch portfoli\u00ed. Nemus\u00ed j\u00edt o vysok\u00e9 \u010d\u00e1stky, klidn\u011b p\u00e1r tis\u00edc m\u011bs\u00ed\u010dn\u011b \u2013 a\u017e se pan\u00ed Aneta vr\u00e1t\u00ed do pr\u00e1ce, porostou p\u0159\u00edjmy rodiny, ale jist\u011b i v\u00fddaje. D\u011bti budou pot\u0159ebovat v\u00edc v\u011bc\u00ed do \u0161koly, p\u0159ibydou krou\u017eky a \u010dasem mo\u017en\u00e1 i podpora p\u0159i dal\u0161\u00edm studiu. Pen\u00edze se tedy budou hodit i v budoucnu, proto je d\u016fle\u017eit\u00e9, aby pracovaly a neztr\u00e1cely hodnotu. Dob\u0159e nastavit poji\u0161t\u011bn\u00ed: Je d\u016fle\u017eit\u00e9 nejen spo\u0159it, ale tak\u00e9 chr\u00e1nit sv\u00e9 p\u0159\u00edjmy. U rodiny, kter\u00e1 stoj\u00ed na jednom nebo dvou p\u0159\u00edjmech, m\u016f\u017ee v\u00fdpadek znamenat okam\u017eit\u00fd probl\u00e9m. Proto d\u00e1v\u00e1 smysl m\u00edt dob\u0159e nastaven\u00e9 poji\u0161t\u011bn\u00ed<\/a>, kter\u00e9 pokr\u00fdv\u00e1 dlouhodobou pracovn\u00ed neschopnost, invaliditu nebo v\u00e1\u017en\u00e9 onemocn\u011bn\u00ed. Pr\u00e1v\u011b tyto situace maj\u00ed na rodinn\u00fd rozpo\u010det nejv\u011bt\u0161\u00ed dopad. Smyslem je, aby rodina nemusela v takov\u00e9 chv\u00edli sahat do rezerv nebo \u0159e\u0161it, z \u010deho pokryje b\u011b\u017en\u00e9 v\u00fddaje. Za zv\u00e1\u017een\u00ed stoj\u00ed i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed alespo\u0148 jednoho z partner\u016f<\/a>, kter\u00e9 by v krajn\u00ed situaci pomohlo p\u0159eklenout nejt\u011b\u017e\u0161\u00ed obdob\u00ed.Finan\u010dn\u00ed budoucnost d\u011bt\u00ed: Je skv\u011bl\u00e9, \u017ee rodi\u010de dbaj\u00ed na jejich rozvoj a krou\u017eky, ale je dobr\u00e9 myslet i na jejich finan\u010dn\u00ed budoucnost. Sta\u010d\u00ed pravideln\u011b odkl\u00e1dat men\u0161\u00ed \u010d\u00e1stky, nap\u0159\u00edklad n\u011bkolik set korun m\u011bs\u00ed\u010dn\u011b na ka\u017ed\u00e9 d\u00edt\u011b, a tyto pen\u00edze dlouhodob\u011b zhodnocovat. V budoucnu mohou pomoci se studiem nebo startem do \u017eivota. D\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e v\u00fd\u0161e \u010d\u00e1stky je pravidelnost. A kdyby rodina na krou\u017eky nem\u011bla dost pen\u011bz, lze vyu\u017e\u00edt v\u00fdrazn\u011b dostupn\u011bj\u0161\u00ed \u0161koln\u00ed krou\u017eky, domy d\u011bt\u00ed a ml\u00e1de\u017ee a lok\u00e1ln\u00ed sportovn\u00ed kluby. N\u011bkter\u00e9 poji\u0161\u0165ovny nebo obce nav\u00edc na aktivity d\u011bt\u00ed p\u0159isp\u00edvaj\u00ed. <\/p>\n

Z cel\u00e9ho p\u0159\u00edb\u011bhu je ale nejd\u016fle\u017eit\u011bj\u0161\u00ed to, \u017ee rodina funguje a\u00a0p\u0159em\u00fd\u0161l\u00ed nad budoucnost\u00ed. To je opravdu siln\u00fd z\u00e1klad, na kter\u00e9m se d\u00e1 dob\u0159e stav\u011bt. Je skv\u011bl\u00e9, \u017ee se sna\u017e\u00ed d\u011btem dop\u0159\u00e1t spokojen\u00e9 d\u011btstv\u00ed, podporuj\u00ed je v\u00a0aktivit\u00e1ch a\u00a0z\u00e1rove\u0148 jim z\u016fst\u00e1vaj\u00ed prost\u0159edky i\u00a0na spole\u010dn\u00e9 z\u00e1\u017eitky, jako je dovolen\u00e1. Pr\u00e1v\u011b tato rovnov\u00e1ha mezi ka\u017edodenn\u00edm \u017eivotem a\u00a0p\u00e9\u010d\u00ed o\u00a0budoucnost je velmi cenn\u00e1.<\/p>\n

Pokud k\u00a0tomu postupn\u011b p\u0159idaj\u00ed vy\u0161\u0161\u00ed rezervu, jednoduch\u00fd pl\u00e1n pro \u00faspory a\u00a0ochranu p\u0159\u00edjm\u016f, z\u00edskaj\u00ed mnohem v\u011bt\u0161\u00ed jistotu, \u017ee zvl\u00e1dnou i\u00a0ne\u010dekan\u00e9 situace.<\/p>\n

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.Prodava\u010dka Janka:<\/a> Man\u017eela nikdo nezam\u011bstn\u00e1, pracuje na\u010derno.Jak se hospoda\u0159\u00ed na Islandu:<\/a> Energie jsou levn\u011bj\u0161\u00ed ne\u017e v \u010cesku.Kucha\u0159ka D\u00e1\u0161a:<\/a> Je rozveden\u00e1 a spl\u00e1c\u00ed dluhy po man\u017eelovi.\u0160vadlena Ivana:<\/a> Vyd\u011bl\u00e1v\u00e1me, ale co kdy\u017e p\u0159ijdeme o pr\u00e1ci?<\/p>\n","protected":false},"excerpt":{"rendered":"Jsme r\u00e1di, kdy\u017e n\u00e1m sv\u011b\u0159\u00edte sv\u00e9 hospoda\u0159en\u00ed a\u00a0pop\u00ed\u0161ete, jak vych\u00e1z\u00edte jako rodina se sv\u00fdmi p\u0159\u00edjmy. P\u0159\u00edsp\u011bvky m\u016f\u017eete pos\u00edlat…\n","protected":false},"author":2,"featured_media":62362,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[67,68,49,884,889],"class_list":{"0":"post-62361","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-byznys","8":"tag-business","9":"tag-byznys","10":"tag-hospodareni","11":"tag-podcast-mluvte-o-penezich","12":"tag-rodinne-finance"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116446392628995217","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/62361","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=62361"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/62361\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/62362"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=62361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=62361"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=62361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}