[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.formix.sk\/zakladna-financna-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.formix.sk\/zakladna-financna-gramotnost\/","headline":"Z\u00e1kladn\u00e1 finan\u010dn\u00e1 gramotnos\u0165","name":"Z\u00e1kladn\u00e1 finan\u010dn\u00e1 gramotnos\u0165","description":"V \u00e9re spotreby a v podmienkach trhov\u00e9ho hospod\u00e1rstva je ve\u013emi d\u00f4le\u017eit\u00e9 nau\u010di\u0165 sa, ako naklada\u0165 s peniazmi. Tieto vedomosti nie s\u00fa vyu\u010dovan\u00e9 v \u0161kole a nie s\u00fa vyu\u010dovan\u00e9 ani na vysok\u00fdch \u0161kol\u00e1ch (okrem niektor\u00fdch ekonomick\u00fdch fak\u00falt). Ale ak neviete, ako naklada\u0165 s peniazmi, ako si ich uklada\u0165, investova\u0165, predv\u00edda\u0165 svoje n\u00e1klady, potom s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou…","datePublished":"2025-03-01","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.formix.sk\/author\/#Person","name":"","url":"https:\/\/www.formix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"formix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.formix.sk\/wp-content\/uploads\/img_a286943_w16543_t1523904955.jpg","url":"https:\/\/www.formix.sk\/wp-content\/uploads\/img_a286943_w16543_t1523904955.jpg","height":0,"width":0},"url":"https:\/\/www.formix.sk\/zakladna-financna-gramotnost\/","wordCount":391,"articleBody":"V \u00e9re spotreby a v podmienkach trhov\u00e9ho hospod\u00e1rstva je ve\u013emi d\u00f4le\u017eit\u00e9 nau\u010di\u0165 sa, ako naklada\u0165 s peniazmi. Tieto vedomosti nie s\u00fa vyu\u010dovan\u00e9 v \u0161kole a nie s\u00fa vyu\u010dovan\u00e9 ani na vysok\u00fdch \u0161kol\u00e1ch (okrem niektor\u00fdch ekonomick\u00fdch fak\u00falt). Ale ak neviete, ako naklada\u0165 s peniazmi, ako si ich uklada\u0165, investova\u0165, predv\u00edda\u0165 svoje n\u00e1klady, potom s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou sa m\u00f4\u017ee vyskytn\u00fa\u0165 ur\u010dit\u00e9 \u0165a\u017ekosti vo Va\u0161om \u017eivote. Ako ka\u017ed\u00e1 zru\u010dnos\u0165 tak aj finan\u010dn\u00e1 gramotnos\u0165 sa mus\u00ed vytv\u00e1ra\u0165 postupne.Sk\u00faste tieto rady aby ste deti lep\u0161ie vychovali k\u00a0finan\u010dnej gramotnosti.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V obchode, pou\u017eite zoznam produktov, ktor\u00fd si doma vytvor\u00edte a ur\u010dit\u00fa sumu pe\u0148az\u00ed.Ak k\u00fapite nie\u010do, \u010do nebolo na zozname, nemus\u00edte ma\u0165 dostatok pe\u0148az\u00ed na povinn\u00e9 veci – tak\u00e1 lekcia pom\u00f4\u017ee v bud\u00facnosti\u00a0 nenecha\u0165 sa strhn\u00fa\u0165 marketingov\u00fdmi akciami.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nepou\u017e\u00edvajte fr\u00e1zu „Nem\u00f4\u017eeme si to dovoli\u0165“ Sk\u00f4r povedzte a\u00a0vysvetlite, \u017ee tie veci nie s\u00fa potrebn\u00e9.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Hovorte o v\u00fddavkov z rodinn\u00e9ho rozpo\u010dtu, aby Va\u0161e\u00a0 vedelo, na ktor\u00e9 polo\u017eky sa peniaze vynakladaj\u00fa. Nezabudnite zahrn\u00fa\u0165\u00a0 aj detsk\u00e9 hra\u010dky a sladkosti, aby deti pochopili, \u017ee ich potreby si tie\u017e vy\u017eaduj\u00fa financie.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ke\u010f die\u0165a vyrastie, pon\u00faknite mu nejak\u00fa pr\u00e1cu za poplatok. V star\u0161om veku m\u00f4\u017eete hovori\u0165 o syst\u00e9me akumul\u00e1cie, bankov\u00fdch \u00fa\u010dtoch a finan\u010dn\u00fdch transakci\u00e1ch.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Netrestajte\u00a0 za zbyto\u010dn\u00e9 bezoh\u013eadn\u00e9 v\u00fddavky, preto\u017ee sme sa v\u0161etci raz museli nau\u010di\u0165 vykon\u00e1va\u0165 finan\u010dn\u00e9 z\u00e1le\u017eitosti na vlastn\u00fdch chyb\u00e1ch\u00a0 a dokonca v\u00a0dne\u0161nej dobe nie je v\u017edy mo\u017en\u00e9 vyhn\u00fa\u0165 sa impulz\u00edvnym krokom. Rad\u0161ej sa s\u00a0die\u0165a\u0165om porozpr\u00e1vajte a\u00a0vysvetlite mu chybu ak\u00fa urobil.V s\u00fa\u010dasnosti mnoho det\u00ed nedok\u00e1\u017ee e\u0161te pochopi\u0165 abstraktn\u00fd v\u00fdznam pe\u0148az\u00ed ale m\u00f4\u017eu by\u0165 schopn\u00ed\u00a0 vykon\u00e1va\u0165 jednoduch\u00e9 praktick\u00e9 oper\u00e1cie s mincami. Deti v ranom veku si myslia, \u017ee financie sa objavuj\u00fa na vlne magick\u00e9ho pr\u00fatika, alebo sk\u00f4r – z kabelky mojej matky a otca. Pok\u00faste sa aspo\u0148 niekedy plati\u0165 v hotovosti, nie kartou, aby deti mohli vidie\u0165, ako peniaze id\u00fa od v\u00e1s k pokladn\u00edkovi.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1kladn\u00e1 finan\u010dn\u00e1 gramotnos\u0165","item":"https:\/\/www.formix.sk\/zakladna-financna-gramotnost\/#breadcrumbitem"}]}]