[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-neni-darek\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-neni-darek\/","headline":"P\u016fj\u010dka nen\u00ed d\u00e1rek","name":"P\u016fj\u010dka nen\u00ed d\u00e1rek","description":"Na p\u016fj\u010dky m\u016f\u017eeme natrefit skoro v\u0161ude kolem n\u00e1s. Co chv\u00edli potk\u00e1me n\u011bjakou reklamu, kter\u00e1 n\u00e1s vyb\u00edz\u00ed, a\u0165 si p\u016fj\u010d\u00edme, trp\u00edme-li pr\u00e1v\u011b jak\u00fdmkoliv nedostatkem. Jsou tu mnoz\u00ed r\u016fzn\u00ed poskytovatel\u00e9, kte\u0159\u00ed p\u016fj\u010duj\u00ed tu na to, tu na ono a tu t\u0159eba i na cokoliv, jednou za takov\u00fdch a jindy za onak\u00fdch podm\u00ednek.&#13; &#13; Nab\u00eddek p\u016fj\u010dek je tu &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-neni-darek\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka nen\u00ed d\u00e1rek<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-11-22","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/pujcka-neni-darek\/","about":["Finance"],"wordCount":521,"articleBody":"Na p\u016fj\u010dky m\u016f\u017eeme natrefit skoro v\u0161ude kolem n\u00e1s. Co chv\u00edli potk\u00e1me n\u011bjakou reklamu, kter\u00e1 n\u00e1s vyb\u00edz\u00ed, a\u0165 si p\u016fj\u010d\u00edme, trp\u00edme-li pr\u00e1v\u011b jak\u00fdmkoliv nedostatkem. Jsou tu mnoz\u00ed r\u016fzn\u00ed poskytovatel\u00e9, kte\u0159\u00ed p\u016fj\u010duj\u00ed tu na to, tu na ono a tu t\u0159eba i na cokoliv, jednou za takov\u00fdch a jindy za onak\u00fdch podm\u00ednek.&#13; &#13; Nab\u00eddek p\u016fj\u010dek je tu tolik, \u017ee u\u017e je bereme vlastn\u011b jako naprostou samoz\u0159ejmost. A mnoz\u00ed z n\u00e1s u\u017e pod vlivem podobn\u00fdch reklam dokonce dosp\u011bli k p\u0159esv\u011bd\u010den\u00ed, \u017ee se vlastn\u011b nen\u00ed t\u0159eba finan\u010dn\u00ed t\u00edsn\u011b b\u00e1t. V\u017edy\u0165 kdyby n\u011bco nevy\u0161lo, p\u016fj\u010dka to sprav\u00ed.&#13; &#13; Ov\u0161em takov\u00fdto n\u00e1zor je nejednou po\u010d\u00e1tkem cesty, kter\u00e1 vede do zatracen\u00ed, do horouc\u00edch pekel. A p\u016fj\u010dky jsou v tom nevinn\u011b. Proto\u017ee za to, \u017ee n\u011bkdy p\u016fj\u010dky pom\u00e1haj\u00ed a jindy \u0161kod\u00ed, ba i p\u0159\u00edmo ni\u010d\u00ed, nemohou tyto, ale v\u00fdlu\u010dn\u011b lid\u00e9, kte\u0159\u00ed si je berou.&#13; &#13; A co u\u010dinit, aby se \u010dlov\u011bk p\u016fj\u010dkou neubl\u00ed\u017eil? Jak se chovat, aby byla p\u016fj\u010dka dobr\u00fdm sluhou, a ne zl\u00fdm p\u00e1nem?&#13; &#13; V prvn\u00ed \u0159ad\u011b je nutno m\u00edt v\u017edy na mysli, \u017ee se ka\u017ed\u00e1 p\u016fj\u010dka mus\u00ed splatit. N\u011bkdy d\u0159\u00edve, n\u011bkdy pozd\u011bji, n\u011bkdy po ni\u017e\u0161\u00edch a jindy po vy\u0161\u0161\u00edch spl\u00e1tk\u00e1ch, ale mus\u00ed se tak st\u00e1t. Plus je obvykl\u00e9, \u017ee se nevrac\u00ed jenom p\u016fj\u010den\u00e1 \u010d\u00e1stka, ale i \u00faroky \u010di poplatky. A proto je t\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee i kdy\u017e je p\u016fj\u010dka snadno dostupn\u00e1, nen\u00ed to d\u00e1rek. A m\u011blo by se za ni po\u0159izovat jenom tolik, aby to neohrozilo dlu\u017en\u00edkovu budouc\u00ed solventnost.&#13; &#13; Pak je nezbytn\u00e9 myslet na to, \u017ee je p\u016fj\u010dka jenom provizorn\u00edm \u0159e\u0161en\u00edm situace. Nelze se tedy spol\u00e9hat na to, \u017ee bude tato \u010dlov\u011bku k dispozici v\u011b\u010dn\u011b, respektive \u017ee se mu bude da\u0159it po cel\u00fd \u017eivot existovat na dluh a spl\u00e1cet p\u016fj\u010dky p\u016fj\u010dkami. Takov\u00e9 vytlouk\u00e1n\u00ed kl\u00ednu kl\u00ednem vede nevyhnuteln\u011b k neradostn\u00fdm konc\u016fm.&#13; &#13; A nesm\u00ed se zapom\u00ednat ani na to, \u017ee u p\u016fj\u010dky je ten, kdo ji poskytuje, t\u00edm, kdo ud\u00e1v\u00e1 pomysln\u00fd t\u00f3n, kdo ur\u010duje pravidla hry. A m\u00e1 pr\u00e1vo rozhodnout o v\u0161em, co se p\u016fj\u010den\u00fdch pen\u011bz t\u00fdk\u00e1. A sice m\u016f\u017ee, ale nemus\u00ed se nechat obm\u011bk\u010dit. A tak se nesm\u00ed nikdo spolehnout na to, \u017ee t\u0159eba p\u0159ijde n\u011bkdy n\u011bjak\u00e1 amnestie.&#13; &#13; A proto si sice p\u016fj\u010dovat lze, ale nem\u011blo by se tak d\u00edt v\u017edy, kdy\u017e chce \u010dlov\u011bk v\u00edc, ne\u017e kolik m\u00e1. P\u016fj\u010dky nejsou od toho, aby d\u00edky nim n\u011bkdo vedl rajsk\u00fd \u017eivot v duchu hesla \u201apo mn\u011b potopa\u2018.&#13;                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka nen\u00ed d\u00e1rek","item":"https:\/\/www.zerba.cz\/pujcka-neni-darek\/#breadcrumbitem"}]}]