[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/boegl-krysl.cz\/prace-s-penezi\/#Article","mainEntityOfPage":"https:\/\/boegl-krysl.cz\/prace-s-penezi\/","headline":"Pr\u00e1ce s pen\u011bzi","name":"Pr\u00e1ce s pen\u011bzi","description":"O finan\u010dn\u00ed matematice a gramotnosti se mluv\u00ed ji\u017e dlouho a \u010d\u00edm d\u00e1l v\u00edce se tyto pojmy dost\u00e1vaj\u00ed i do pov\u011bdom\u00ed lid\u00ed. I kdy\u017e se ve \u0161kol\u00e1ch pr\u00e1ce s pen\u011bzi a nakupov\u00e1n\u00ed \u0159e\u0161ily i v minulosti, bylo to sp\u00ed\u0161e okrajov\u00e9 t\u00e9ma a pracovalo se s \u00fapln\u011b jin\u00fdmi n\u00e1zvy. Dnes je ji\u017e finan\u010dn\u00ed gramotnost za\u0159azena v osnov\u00e1ch … ","datePublished":"2026-03-08","dateModified":"2026-03-08","author":{"@type":"Person","@id":"https:\/\/boegl-krysl.cz\/author\/#Person","name":"","url":"https:\/\/boegl-krysl.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"boegl-krysl.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/boegl-krysl.cz\/wp-content\/uploads\/barta4-money-7881948_640.jpg","url":"https:\/\/boegl-krysl.cz\/wp-content\/uploads\/barta4-money-7881948_640.jpg","height":0,"width":0},"url":"https:\/\/boegl-krysl.cz\/prace-s-penezi\/","about":["Spole\u010dnosti"],"wordCount":459,"articleBody":"      O finan\u010dn\u00ed matematice a gramotnosti se mluv\u00ed ji\u017e dlouho a \u010d\u00edm d\u00e1l v\u00edce se tyto pojmy dost\u00e1vaj\u00ed i do pov\u011bdom\u00ed lid\u00ed. I kdy\u017e se ve \u0161kol\u00e1ch pr\u00e1ce s pen\u011bzi a nakupov\u00e1n\u00ed \u0159e\u0161ily i v minulosti, bylo to sp\u00ed\u0161e okrajov\u00e9 t\u00e9ma a pracovalo se s \u00fapln\u011b jin\u00fdmi n\u00e1zvy. Dnes je ji\u017e finan\u010dn\u00ed gramotnost za\u0159azena v osnov\u00e1ch v\u0161ech typ\u016f \u0161kol dokonce od prvn\u00edho stupn\u011b z\u00e1kladn\u00ed \u0161koly. D\u011bti pracuj\u00ed s vyst\u0159\u00edhan\u00fdmi modely minc\u00ed i bankovek, v pracovn\u00edch se\u0161itech z matematiky \u0159e\u0161\u00ed cvi\u010den\u00ed zam\u011b\u0159en\u00e1 na n\u00e1kupy, vyd\u011bl\u00e1v\u00e1n\u00ed i utr\u00e1cen\u00ed pen\u011bz, na ceny potravin a jin\u00e9ho z\u00e1kladn\u00edho zbo\u017e\u00ed a na tvorbu \u00faspor. N\u011bkter\u00e9 \u0161koly po\u0159izuj\u00ed dokonce nad standard pracovn\u00ed se\u0161ity a u\u010debnice zam\u011b\u0159en\u00e9 c\u00edlen\u011b a pouze na finan\u010dn\u00ed matematiku. V oblastech veden\u00ed vlastn\u00ed dom\u00e1cnosti a \u017eivobyt\u00ed jsme tedy vzd\u011bl\u00e1v\u00e1ni ji\u017e od d\u011btstv\u00ed a mnohdy dokonce nejv\u00edce doma u rodiny. P\u0159esto si ka\u017ed\u00fd z n\u00e1s musel proj\u00edt f\u00e1z\u00ed, kdy vstupoval do puberty a dosp\u00edv\u00e1n\u00ed a nem\u011bl je\u0161t\u011b zcela nic na\u0161et\u0159eno, kdy si pak vyd\u011blal na brig\u00e1d\u00e1ch prvn\u00ed pen\u00edze a hned je v\u0161echny utratil, kdy nastoupil do pr\u00e1ce, dostal prvn\u00ed plat a nev\u011bd\u011bl co s n\u00edm. Jsou to p\u0159irozen\u00e9 okam\u017eiky souvisej\u00edc\u00ed s rozd\u00edlem mezi teori\u00ed a prax\u00ed. I kdy\u017e v\u00e1s ve \u0161kole stokr\u00e1t n\u011bkdo bude u\u010dit o tom, jak\u00e9 procento vyd\u011blan\u00fdch pen\u011bz by m\u011blo j\u00edt na povinn\u00e9 platby a nezbytnosti, jak\u00e9 na z\u00e1liby a kolik v\u011bnovat pen\u011bz do investov\u00e1n\u00ed, i p\u0159es toto v\u0161echno stejn\u011b budete muset proj\u00edt situac\u00ed, kdy si na to dojdete i z praktick\u00e9ho a re\u00e1ln\u00e9ho hlediska.A\u017e kdy\u017e utrat\u00edte v\u0161echny prvn\u00ed pen\u00edze, dostanete se na nulu a budete si muset p\u016fj\u010dit od sv\u00fdch bl\u00edzk\u00fdch, pak teprve pozn\u00e1te v\u00fdznam finan\u010dn\u00ed rezervy a dobr\u00e9ho pl\u00e1nov\u00e1n\u00ed. Ale n\u011bkomu bohu\u017eel ani toto jako \u017eivotn\u00ed zku\u0161enost nesta\u010d\u00ed. N\u011bkte\u0159\u00ed lid\u00e9 si v z\u00e1chvatu nad\u0161en\u00ed zakl\u00e1daj\u00ed i spole\u010dnosti, do kter\u00fdch pot\u00e9 investuj\u00ed ve\u0161ker\u00e9 sv\u00e9 prost\u0159edky, p\u016fj\u010d\u00ed si obnos od banky a pak t\u0159eba i od rodiny a zn\u00e1m\u00fdch. A a\u017e kdy\u017e si koup\u00ed prvn\u00ed auto na spl\u00e1tky v exekuci, pak jim za\u010dne doch\u00e1zet, \u017ee tudy cesta nevede a bude pot\u0159eba na sob\u011b za\u010d\u00edt pracovat.                                                                                                                                                                                                                                                                                                                                                                                                  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