[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kpso.cz\/jak-se-vyhrabat-z-dluhu\/#Article","mainEntityOfPage":"https:\/\/www.kpso.cz\/jak-se-vyhrabat-z-dluhu\/","headline":"Jak se vyhrabat z dluh\u016f?","name":"Jak se vyhrabat z dluh\u016f?","description":"Spousta lid\u00ed za\u010d\u00edn\u00e1 p\u0159em\u00fd\u0161let a\u017e ve chv\u00edli, kdy u\u017e je pozd\u011b. P\u0159\u00edpadn\u011b sice p\u0159em\u00fd\u0161l\u00ed v\u010das, ale vzhledem k nedostate\u010dn\u00e9 finan\u010dn\u00ed gramotnosti neodhadne sv\u00e9 s\u00edly, p\u0159ecen\u00ed se a po nez\u00e1vid\u011bn\u00edhodn\u00e9 \u017eivotn\u00ed etap\u011b prov\u00e1zen\u00e9 vytlouk\u00e1n\u00edm kl\u00ednu kl\u00ednem kon\u010d\u00ed v je\u0161t\u011b m\u00e9n\u011b z\u00e1vid\u011bn\u00edhodn\u00e9 pozici n\u011bkoho, kdo v\u011bz\u00ed v dluhov\u00e9 pasti natolik hluboko, \u017ee se z n\u00ed nikdy nedok\u00e1\u017ee […]","datePublished":"2018-12-26","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.kpso.cz\/author\/#Person","name":"","url":"https:\/\/www.kpso.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kpso.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kpso.cz\/wp-content\/uploads\/img_a338502_w2897_t1551191748.png","url":"https:\/\/www.kpso.cz\/wp-content\/uploads\/img_a338502_w2897_t1551191748.png","height":0,"width":0},"url":"https:\/\/www.kpso.cz\/jak-se-vyhrabat-z-dluhu\/","about":["Ekonomika"],"wordCount":570,"articleBody":"Spousta lid\u00ed za\u010d\u00edn\u00e1 p\u0159em\u00fd\u0161let a\u017e ve chv\u00edli, kdy u\u017e je pozd\u011b. P\u0159\u00edpadn\u011b sice p\u0159em\u00fd\u0161l\u00ed v\u010das, ale vzhledem k nedostate\u010dn\u00e9 finan\u010dn\u00ed gramotnosti neodhadne sv\u00e9 s\u00edly, p\u0159ecen\u00ed se a po nez\u00e1vid\u011bn\u00edhodn\u00e9 \u017eivotn\u00ed etap\u011b prov\u00e1zen\u00e9 vytlouk\u00e1n\u00edm kl\u00ednu kl\u00ednem kon\u010d\u00ed v je\u0161t\u011b m\u00e9n\u011b z\u00e1vid\u011bn\u00edhodn\u00e9 pozici n\u011bkoho, kdo v\u011bz\u00ed v dluhov\u00e9 pasti natolik hluboko, \u017ee se z n\u00ed nikdy nedok\u00e1\u017ee vyhrabat.N\u011bkdo se v t\u00e9to situaci ocitne ne\u0161\u0165astnou shodou okolnost\u00ed, n\u011bkdo jenom a pouze po\u010d\u00edn\u00e1n\u00edm, je\u017e nelze ozna\u010dit za jin\u00e9 ne\u017e hloup\u00e9. To se li\u0161\u00ed p\u0159\u00edpad od p\u0159\u00edpadu.Ale konec je tu v\u017edy stejn\u00fd. Jednoho dne u\u017e sel\u017eou v\u0161echny pokusy a \u010dlov\u011bk je tam, kde nikdo neb\u00fdv\u00e1 r\u00e1d. V h\u00e1ji, v troub\u011b, v loji, v pytli, ba klidn\u011b i v n\u011b\u010dem, co zn\u00ed hodn\u011b nelibozvu\u010dn\u011b.Takov\u00fd \u010dlov\u011bk by m\u011bl b\u00fdt podle ne\u00faprosn\u00fdch z\u00e1kon\u016f matematiky ztracen. Proto\u017ee pokud se k z\u00e1porn\u00fdm \u010d\u00e1stk\u00e1m p\u0159i\u010d\u00edtaj\u00ed jenom dal\u0161\u00ed a dal\u0161\u00ed z\u00e1porn\u00e9 hodnoty, nelze se nikdy dostat do kladn\u00fdch hodnot, on\u011bch popul\u00e1rn\u00edch \u201e\u010dern\u00fdch \u010d\u00edsel\u201c.A takov\u00fd jedinec m\u016f\u017ee b\u00fdt nakonec r\u00e1d, \u017ee na\u0161i nejvy\u0161\u0161\u00ed vl\u00e1dci umo\u017e\u0148uj\u00ed podobn\u00fdm lidem v n\u011bkter\u00fdch p\u0159\u00edpadech \u201eporu\u0161it matematick\u00e9 z\u00e1kony\u201c a vyb\u0159ednout z toho marastu, v n\u011bm\u017e se top\u00ed. Proto\u017ee existuje i leg\u00e1ln\u00ed mo\u017enost, jak se v souladu se z\u00e1kony takov\u00fdch nezvladateln\u00fdch dluh\u016f zbavit.A ?Pokud po tom \u010dlov\u011bk tou\u017e\u00ed, mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee ho nic p\u011bkn\u00e9ho ne\u010dek\u00e1. Proto\u017ee a\u0165 se dostal do dluh\u016f jakkoliv, bude ho vyb\u0159ed\u00e1v\u00e1n\u00ed z nich po\u0159\u00e1dn\u011b bolet. Proto\u017ee je tu sice mo\u017enost osobn\u00edho bankrotu, ur\u010den\u00e1 pro ty, kdo se cht\u011bj\u00ed nezvladateln\u00fdch dluh\u016f zbavit, jen\u017ee to nen\u00ed zase a\u017e tak jednoduch\u00e9. V prvn\u00ed \u0159ad\u011b mus\u00ed b\u00fdt takov\u00fd \u010dlov\u011bk zadlu\u017een\u00fd u nejm\u00e9n\u011b dvou v\u011b\u0159itel\u016f a mus\u00ed b\u00fdt prokazateln\u011b neschopn\u00fd sv\u00e9 dluhy dlouhodob\u011b spl\u00e1cet, p\u0159i\u010dem\u017e v\u0161ak mus\u00ed b\u00fdt schopen v n\u00e1sleduj\u00edc\u00edch p\u011bti letech splatit alespo\u0148 30 % dlu\u017en\u00e9 \u010d\u00e1stky, a tedy mus\u00ed m\u00edt stabiln\u00ed zam\u011bstn\u00e1n\u00ed. A pot\u00e9 mus\u00ed je\u0161t\u011b tuto mo\u017enost schv\u00e1lit soud.Takov\u00fd \u010dlov\u011bk se tak m\u016f\u017ee do\u010dkat toho, \u017ee mu bude \u010d\u00e1st dluh\u016f odpu\u0161t\u011bna, ale p\u0159esto mu v\u011bru nen\u00ed co z\u00e1vid\u011bt. P\u0159inejmen\u0161\u00edm kv\u016fli t\u011bm p\u011bti let\u016fm \u017eivo\u0159en\u00ed, ne\u017e \u010dlov\u011bku onen \u201ao\u010distec\u2018 skon\u010d\u00ed.A tak lze doporu\u010dit vlastn\u011b jedin\u00e9. Nezadlu\u017eovat se, nen\u00ed-li to skute\u010dn\u011b nezbytn\u011b nutn\u00e9, a u\u017e v\u016fbec se nezadlu\u017eovat, nen\u00ed-li jist\u00e9, \u017ee jsme schopni sv\u00e9 dluhy i spl\u00e1cet. A naopak rad\u011bji hledat rezervy ve sv\u00fdch sou\u010dasn\u00fdch v\u00fddaj\u00edch, p\u0159\u00edpadn\u011b se rad\u011bji obr\u00e1tit se \u017e\u00e1dost\u00ed o pomoc na rodinu a zn\u00e1m\u00e9, ne\u017e na finan\u010dn\u00ed instituce. Proto\u017ee bl\u00edzc\u00ed v\u00e1m leccos odpust\u00ed, kdyby n\u011bco. Finan\u010dn\u00edci nikoliv; ani kdyby v\u00e1s m\u011bli nechat um\u0159\u00edt hlady.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se vyhrabat z dluh\u016f?","item":"https:\/\/www.kpso.cz\/jak-se-vyhrabat-z-dluhu\/#breadcrumbitem"}]}]