[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kpks.cz\/jak-zvladnout-nedostatek-penez\/#Article","mainEntityOfPage":"https:\/\/www.kpks.cz\/jak-zvladnout-nedostatek-penez\/","headline":"Jak zvl\u00e1dnout nedostatek pen\u011bz?","name":"Jak zvl\u00e1dnout nedostatek pen\u011bz?","description":"\u010cas od \u010dasu dolehne skoro na ka\u017ed\u00e9ho z n\u00e1s finan\u010dn\u00ed t\u00edse\u0148. Chyb\u00ed n\u00e1m pen\u00edze, a to t\u0159eba aspo\u0148 trocha. A zat\u00edmco si s drobn\u00fdm a kr\u00e1tkodob\u00fdm nedostatkem pen\u011bz nemus\u00edme obvykle d\u011blat starosti, \u010d\u00edm je postr\u00e1dan\u00e1 suma pen\u011bz v\u011bt\u0161\u00ed, t\u00edm je to hor\u0161\u00ed. A pokud takov\u00fd nedostatek p\u0159ekro\u010d\u00ed \u00fanosnou m\u00edru, nezb\u00fdv\u00e1 n\u00e1m nic jin\u00e9ho, ne\u017e hledat […]","datePublished":"2026-04-21","dateModified":"2026-04-21","author":{"@type":"Person","@id":"https:\/\/www.kpks.cz\/author\/#Person","name":"","url":"https:\/\/www.kpks.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fd5b20daa9a47a1102459a7c733d369075d8cc724ab489feb8ed72c657d346e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kpks.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kpks.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppp_10_10_10.jpg","url":"https:\/\/www.kpks.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppp_10_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.kpks.cz\/jak-zvladnout-nedostatek-penez\/","about":["Zbo\u017e\u00ed"],"wordCount":420,"articleBody":"   \u010cas od \u010dasu dolehne skoro na ka\u017ed\u00e9ho z n\u00e1s finan\u010dn\u00ed t\u00edse\u0148. Chyb\u00ed n\u00e1m pen\u00edze, a to t\u0159eba aspo\u0148 trocha. A zat\u00edmco si s drobn\u00fdm a kr\u00e1tkodob\u00fdm nedostatkem pen\u011bz nemus\u00edme obvykle d\u011blat starosti, \u010d\u00edm je postr\u00e1dan\u00e1 suma pen\u011bz v\u011bt\u0161\u00ed, t\u00edm je to hor\u0161\u00ed. A pokud takov\u00fd nedostatek p\u0159ekro\u010d\u00ed \u00fanosnou m\u00edru, nezb\u00fdv\u00e1 n\u00e1m nic jin\u00e9ho, ne\u017e hledat zp\u016fsob, jak se podobn\u00fdch pot\u00ed\u017e\u00ed zbavit. Jen\u017ee zat\u00edmco je teoreticky podobn\u00fdch zp\u016fsob\u016f v\u00edc, prakticky n\u00e1m nakonec \u010dasto z\u016fstane jen jeden jedin\u00fd. Mohli bychom si vyd\u011blat dost rychle dal\u0161\u00ed pen\u00edze, co\u017e by bylo to nejspr\u00e1vn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed, jen\u017ee to nejde, proto\u017ee okam\u017eit\u011b dostupn\u00fdch a ihned placen\u00fdch pracovn\u00edch p\u0159\u00edle\u017eitost\u00ed neb\u00fdv\u00e1 dost, mohli bychom si ut\u00e1hnout opasek, co\u017e ale tak\u00e9 \u010dasto nejde natolik, nakolik by to bylo v z\u00e1jmu na\u0161\u00ed finan\u010dn\u00ed situace t\u0159eba. A mo\u017enost p\u016fj\u010dit si postr\u00e1dan\u00e9 pen\u00edze? I to je jedna z mo\u017enost\u00ed. Jen\u017ee ani tady to nemus\u00ed vyj\u00edt. Proto\u017ee i kdy\u017e chceme p\u016fj\u010dku sebev\u00edc, nem\u00e1me jistotu, \u017ee dostaneme tu, o kterou po\u017e\u00e1d\u00e1me, a to proto, \u017ee nejsme dost dokonal\u00ed a nenab\u00edz\u00edme tak dostate\u010dn\u00e9 z\u00e1ruky sv\u00e9 schopnosti a ochoty spl\u00e1cet. A kdy\u017e nad t\u00edm tak p\u0159em\u00fd\u0161l\u00edm, je mi jasn\u00e9, \u017ee jakkoliv b\u00fdvaj\u00ed i s p\u016fj\u010dkami probl\u00e9my, m\u011bli bychom ve finan\u010dn\u00ed t\u00edsni zvolit z\u0159ejm\u011b pr\u00e1v\u011b toto \u0159e\u0161en\u00ed. Ale s t\u00edm, \u017ee bychom si vybrali takovou p\u016fj\u010dku, na kterou dos\u00e1hneme. T\u0159eba nebankovn\u00ed hypot\u00e9ku.A pro\u010d pr\u00e1v\u011b nebankovn\u00ed hypot\u00e9ku? D\u016fvod je z\u0159ejm\u00fd. Proto\u017ee ji dostaneme sp\u00ed\u0161e a sn\u00e1ze ne\u017e jin\u00e9 p\u016fj\u010dky. Sta\u010d\u00ed m\u00edt nemovitost, kterou se d\u00e1 ru\u010dit, a nebankovn\u00ed spole\u010dnost n\u00e1s d\u00edky takov\u00e9 z\u00e1ruce neodm\u00edtne. P\u016fj\u010d\u00ed n\u00e1m pen\u00edze, a to po v\u0161ech str\u00e1nk\u00e1ch dokonale. Rychle i cenov\u011b v\u00fdhodn\u011b. A hlavn\u011b jist\u011b. A tak je pochopiteln\u011b zm\u00edn\u011bn\u00e1 hypot\u00e9ka bez p\u0159\u00edjmu \u017e\u00e1douc\u00ed pro ty, kdo se jinde se zlou pot\u00e1zali. A jim\u017e by mo\u017en\u00e1 nikdo jin\u00fd ne\u017e pr\u00e1v\u011b nebankovn\u00ed spole\u010dnost dostate\u010dn\u011b v\u00fdhodn\u011b nep\u016fj\u010dil ani korunu.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zvl\u00e1dnout nedostatek pen\u011bz?","item":"https:\/\/www.kpks.cz\/jak-zvladnout-nedostatek-penez\/#breadcrumbitem"}]}]