[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digitalweb.cz\/jak-ucit-deti-o-penezich\/#Article","mainEntityOfPage":"https:\/\/www.digitalweb.cz\/jak-ucit-deti-o-penezich\/","headline":"Jak u\u010dit d\u011bti o pen\u011bz\u00edch","name":"Jak u\u010dit d\u011bti o pen\u011bz\u00edch","description":"P\u0159ed-p\u0159ed\u0161kol\u00e1k A\u010dkoli se to nezd\u00e1, finan\u010dn\u011b vzd\u011bl\u00e1vat lze i velmi mal\u00e9 d\u011bti. Samoz\u0159ejm\u011b t\u00edm nemysl\u00edme, \u017ee byste sv\u00e9mu kojenci m\u011bli \u010d\u00edst p\u0159ed span\u00edm v\u00fdro\u010dn\u00ed zpr\u00e1vy m\u00edsto poh\u00e1dek, ale s\u00a0v\u00fdchovou k\u00a0finan\u010dn\u00ed gramotnosti se d\u00e1 za\u010d\u00edt u\u017e ve chv\u00edli, kdy d\u00edt\u011b za\u010d\u00edn\u00e1 komunikovat. \u00a0 \u00a0 \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jakmile je v\u00e1\u0161 syn nebo dcera schopen si v\u00a0obchod\u011b uk\u00e1zat, co […]","datePublished":"2025-02-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.digitalweb.cz\/author\/#Person","name":"digitalweb.cz\n","url":"https:\/\/www.digitalweb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"digitalweb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.digitalweb.cz\/wp-content\/uploads\/img_a298218_w1792_t1508509463.jpg","url":"https:\/\/www.digitalweb.cz\/wp-content\/uploads\/img_a298218_w1792_t1508509463.jpg","height":0,"width":0},"url":"https:\/\/www.digitalweb.cz\/jak-ucit-deti-o-penezich\/","about":["Pen\u00edze"],"wordCount":1120,"articleBody":"\tP\u0159ed-p\u0159ed\u0161kol\u00e1kA\u010dkoli se to nezd\u00e1, finan\u010dn\u011b vzd\u011bl\u00e1vat lze i velmi mal\u00e9 d\u011bti. Samoz\u0159ejm\u011b t\u00edm nemysl\u00edme, \u017ee byste sv\u00e9mu kojenci m\u011bli \u010d\u00edst p\u0159ed span\u00edm v\u00fdro\u010dn\u00ed zpr\u00e1vy m\u00edsto poh\u00e1dek, ale s\u00a0v\u00fdchovou k\u00a0finan\u010dn\u00ed gramotnosti se d\u00e1 za\u010d\u00edt u\u017e ve chv\u00edli, kdy d\u00edt\u011b za\u010d\u00edn\u00e1 komunikovat. \u00a0\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jakmile je v\u00e1\u0161 syn nebo dcera schopen si v\u00a0obchod\u011b uk\u00e1zat, co chce, je mo\u017en\u00e9 za\u010d\u00edt jej u\u010dit o tom, co jsou to pen\u00edze. Vyu\u017eijte toho, \u017ee mal\u00e9 d\u011bti miluj\u00ed pom\u00e1hat, a nechte je \u00fa\u010dastnit se n\u00e1kup\u016f. Nechte doma d\u00edt\u011b zkontrolovat sp\u00ed\u017e, a pov\u00eddejte si o tom, co pot\u0159ebujete a nepot\u0159ebujete koupit. Sestavte spolu n\u00e1kupn\u00ed seznam, a nechte d\u00edt\u011b v\u00a0obchod\u011b hledat v\u011bci podle seznamu. P\u0159edejdete tak impulzivn\u00edmu h\u00e1zen\u00ed v\u011bc\u00ed do ko\u0161\u00edku, a je\u0161t\u011b dost mo\u017en\u00e1 u\u0161et\u0159\u00edte. I nyn\u00ed lze tak\u00e9 za\u010d\u00edt u\u010dit d\u00edt\u011b o tom, \u017ee v\u011bci maj\u00ed svou cenu. I kdy\u017e v\u011bt\u0161ina d\u011bt\u00ed v\u00a0tomto v\u011bku je\u0161t\u011b nech\u00e1pe \u010d\u00edsla, i ony pochop\u00ed pojmy jako \u201ev\u00edc, m\u00ed\u0148\u201c nebo \u201ejedno, nebo druh\u00e9\u201c. Zp\u016fsob\u016f, jak toto rozli\u0161ov\u00e1n\u00ed tr\u00e9novat, je spousta. Domluvte se s\u00a0d\u00edt\u011btem nap\u0159\u00edklad, \u017ee m\u016f\u017ee m\u00edt bu\u010f dv\u011b mal\u00e1 aut\u00ed\u010dka, nebo jedno velk\u00e9, a mluvte o tom, kolik aut\u00ed\u010dka stoj\u00ed. Nebo se dohodn\u011bte, \u017ee si m\u016f\u017ee v\u00a0obchod\u011b vybrat jednu v\u011bc. D\u00edt\u011b se nen\u00e1siln\u011b nau\u010d\u00ed zodpov\u011bdnosti a pl\u00e1nov\u00e1n\u00ed.\u00a0\tP\u0159ed\u0161kol\u00e1ci a mlad\u0161\u00ed \u0161kol\u00e1kU p\u0159ed\u0161kol\u00e1ka je pak nam\u00edst\u011b zav\u00e9st kapesn\u00e9. V\u00a0prvn\u00ed chv\u00edli ani nen\u00ed nutn\u00e9 mu pen\u00edze fyzicky d\u00e1vat, pouze stanovte t\u00fddenn\u00ed rozpo\u010det, a nau\u010dte d\u00edt\u011b jej dodr\u017eovat. Nap\u0159\u00edklad se dohodn\u011bte, \u017ee t\u00fddn\u011b vy\u010dlen\u00edte pades\u00e1t korun na sladkosti, a je pouze na n\u011bm, jak je utrat\u00ed. V\u011bt\u0161ina d\u011bt\u00ed za\u010d\u00edn\u00e1 t\u00edm, \u017ee prvn\u00ed kapesn\u00e9 utrat\u00ed hned prvn\u00ed den. Velmi brzy ale zjist\u00ed, \u017ee je lep\u0161\u00ed si pen\u00edze rozkl\u00e1dat do v\u00edce dn\u00ed, a mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed sv\u00fdmi pl\u00e1novac\u00edmi schopnostmi.\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00a0tomto v\u011bku se d\u00e1 u\u017e s\u00a0d\u011btmi mluvit nap\u0159\u00edklad i o tom, jak funguje bankomat, banka, nebo v\u00fdplata. Mluvte o tom, odkud se pen\u00edze berou, a k\u00a0\u010demu se pou\u017e\u00edvaj\u00ed. Vysv\u011btlete d\u00edt\u011bti, jak funguje nap\u0159\u00edklad p\u016fj\u010dka nebo spo\u0159en\u00ed. V\u0161echny tyto znalosti pak va\u0161e ratolest z\u00faro\u010d\u00ed ve \u0161kole. U \u0161kol\u00e1ka ji\u017e je na m\u00edst\u011b zav\u00e9st kapesn\u00e9. I kdy\u017e v\u00a0dne\u0161n\u00ed dob\u011b je mo\u017en\u00e9 zalo\u017eit d\u00edt\u011bti \u00fa\u010det, u men\u0161\u00edch \u0161kol\u00e1k\u016f je st\u00e1le prakti\u010dt\u011bj\u0161\u00ed vyu\u017e\u00edt mince a bankovky. V\u00fd\u0161e kapesn\u00e9ho a jeho frekvence je na v\u00e1s, i kdy\u017e pro v\u011bt\u0161inu d\u011bt\u00ed je snaz\u0161\u00ed zvl\u00e1dnou t\u00fddn\u011b men\u0161\u00ed \u010d\u00e1stky ne\u017e v\u011bt\u0161\u00ed obnos jednou m\u011bs\u00ed\u010dn\u011b.\u00a0\t\u0160kol\u00e1k\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Na druh\u00e9m stupni z\u00e1kladn\u00ed \u0161koly a na st\u0159edn\u00ed \u0161kole by m\u011bl ji\u017e \u00fa\u010det b\u00fdt samoz\u0159ejmost\u00ed. Nejen, \u017ee d\u00edt\u011bti d\u00e1te pocit zodpov\u011bdnosti a dosp\u011blosti, ale nav\u00edc jej nau\u010d\u00edte, \u017ee mal\u00e1 plastov\u00e1 karti\u010dka neznamen\u00e1 neomezen\u00e9 p\u0159\u00edjmy. Toto je tak\u00e9 vhodn\u00e1 doba mluvit s\u00a0d\u00edt\u011btem nap\u0159\u00edklad o tom, jak funguje debetn\u00ed a kreditn\u00ed karta nebo k\u00a0\u010demu slou\u017e\u00ed dan\u011b. Finan\u010dn\u00ed gramotnost je dnes sou\u010d\u00e1st\u00ed v\u00fduky na mnoha \u0161kol\u00e1ch, ale i tak je dobr\u00e9 s\u00a0d\u00edt\u011btem mluvit o v\u0161em, co ho zaj\u00edm\u00e1.\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jeden tip: pokud za v\u00e1mi d\u00edt\u011b p\u0159ijde s\u00a0\u017e\u00e1dost\u00ed o zv\u00fd\u0161en\u00ed kapesn\u00e9ho, pojm\u011bte to podobn\u011b, jako kdybyste si vy \u0161li \u0159\u00edci o p\u0159id\u00e1n\u00ed v\u00a0pr\u00e1ci. Nechte jej vysv\u011btlit, pro\u010d byste mu kapesn\u00e9 m\u011bli zv\u00fd\u0161it, a bavte se o tom, co pro to je ochotn\u00e9 ud\u011blat ono samo. Nap\u0159\u00edklad, pokud mu zv\u00fd\u0161\u00edte kapesn\u00e9 o dv\u011b stovky m\u011bs\u00ed\u010dn\u011b, za\u010dne si samo kupovat \u010dasopis, kter\u00fd mu dote\u010f plat\u00edte vy? A pokud mu m\u011bs\u00ed\u010dn\u011b p\u0159id\u00e1te p\u011btistovku, za\u010dne si samo platit l\u00edstky do kina? Vzhledem k\u00a0tomu, \u017ee o zv\u00fd\u0161en\u00ed platu si neum\u00ed \u0159\u00edci spousta dosp\u011bl\u00fdch, bude tohle pro d\u00edt\u011b cenn\u00e1 praxe. St\u0159edn\u00ed \u0161kola je tak\u00e9 obdob\u00edm prvn\u00edch brig\u00e1d. Teoreticky se d\u00e1 pracovat u\u017e do 15, by\u0165 v\u011bt\u0161ina zam\u011bstnavatel\u016f preferuje plnolet\u00e9 pracovn\u00edky. I tady m\u016f\u017eete ale d\u00edt\u011bti pomoci. Uka\u017ete mu, jak funguj\u00ed pracovn\u00ed port\u00e1ly, pomozte mu napsat \u017eivotopis a motiva\u010dn\u00ed dopis, a nau\u010dte jej, jak rozpoznat podvodn\u00e9 inzer\u00e1ty. Mluvte o tom, co je to letadlo, a pro\u010d se na brig\u00e1d\u011b ned\u00e1 vyd\u011blat deset tis\u00edc za t\u00fdden. Pokud se va\u0161emu potomkovi neda\u0159\u00ed pr\u00e1ci sehnat, podpo\u0159te jej. M\u016f\u017eete se mu tak\u00e9 pokusit m\u00edsto dohodit, ale hlavn\u00ed iniciativu nechte na n\u011bm.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\tCo d\u00e1l?Situace u mlad\u00fdch lid\u00ed se li\u0161\u00ed p\u0159\u00edpad od p\u0159\u00edpadu. Zat\u00edmco n\u011bkte\u0159\u00ed jsou kr\u00e1tce po dvac\u00edtce naprosto sob\u011bsta\u010dn\u00ed, a z\u00e1jem rodi\u010d\u016f o jejich finance je sp\u00ed\u0161e obt\u011b\u017euje, jin\u00ed si st\u00e1le u\u017e\u00edvaj\u00ed luxus mamahotelu. V\u00a0\u010desk\u00e9m z\u00e1kon\u011b je ustaveno, \u017ee rodi\u010d m\u00e1 vy\u017eivovac\u00ed povinnost v\u016f\u010di d\u011btem a\u017e do chv\u00edle, ne\u017e jsou schopny \u017eivit se samy. Pokud tedy d\u00edt\u011b odejde ze \u0161koly, a nic mu nebr\u00e1n\u00ed, aby se \u017eivilo samo, va\u0161e povinnost kon\u010d\u00ed. Naopak m\u00e1te-li doma studenta, va\u0161e vy\u017eivovac\u00ed povinnost st\u00e1le trv\u00e1.Nav\u00edc plat\u00ed, \u017ee d\u00edt\u011b by m\u011blo \u201evyv\u00edjet p\u0159im\u011b\u0159en\u00e9 \u00fasil\u00ed, aby se u\u017eivilo samo\u201c. Pokud tedy v\u00e1\u0161 potomek ve t\u0159iceti st\u00e1le studuje bakal\u00e1\u0159e, m\u00e1te dost mo\u017en\u00e1 pr\u00e1vo mu jeho studia p\u0159estat platit. I u vysoko\u0161kol\u00e1k\u016f nav\u00edc plat\u00ed, \u017ee byste m\u011bli nastavit jasn\u00e1 pravidla. Dohodn\u011bte se, co budete platit vy, a co je povinnost\u00ed d\u00edt\u011bte, a p\u0159ijm\u011bte mlad\u00e9ho \u010dlov\u011bka se aktivn\u011b zaj\u00edmat o to, kolik co stoj\u00ed. Je tak\u00e9 dobr\u00e9 motivovat mlad\u00e9ho p\u00e1na nebo d\u00e1mu, aby si sami zalo\u017eili spo\u0159\u00edc\u00ed \u00fa\u010det, a v\u00e1\u017en\u011b na n\u011bj m\u011bs\u00ed\u010dn\u011b n\u011bco pos\u00edlali.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak u\u010dit d\u011bti o pen\u011bz\u00edch","item":"https:\/\/www.digitalweb.cz\/jak-ucit-deti-o-penezich\/#breadcrumbitem"}]}]