{"id":1249,"date":"2023-07-28T13:44:49","date_gmt":"2023-07-28T13:44:49","guid":{"rendered":"https:\/\/hangoutmooc.eu\/?post_type=lp_course&p=1249"},"modified":"2023-07-31T14:29:14","modified_gmt":"2023-07-31T14:29:14","slug":"money-talks-podcast-on-financial-literacy","status":"publish","type":"lp_course","link":"https:\/\/hangoutmooc.eu\/cs\/course\/money-talks-podcast-on-financial-literacy\/","title":{"rendered":"Money Talks \u2013 podcast o finan\u010dn\u00ed gramotnosti"},"content":{"rendered":"

Promluvme si o pen\u011bz\u00edch a finan\u010dn\u00ed gramotnosti!<\/h4>\n

\u00davod<\/strong><\/h2>\n

Ned\u00e1vno jste se odst\u011bhovali z domova a za\u010dali bydlet s kamar\u00e1dem v byt\u011b ve m\u011bst\u011b. L\u00edb\u00ed se v\u00e1m va\u0161e nov\u00e1 nez\u00e1vislost. Nemus\u00edte \u017e\u00e1dat rodi\u010de o povolen\u00ed opustit d\u016fm, m\u016f\u017eete b\u00fdt venku dlouho do noci a bydl\u00edte se sv\u00fdm nejlep\u0161\u00edm kamar\u00e1dem.<\/p>\n

V posledn\u00ed dob\u011b v\u0161ak zji\u0161\u0165ujete, \u017ee je pro v\u00e1s obt\u00ed\u017en\u00e9 hospoda\u0159it s financemi. B\u011bhem pandemie v\u00e1m byla zkr\u00e1cena pracovn\u00ed doba a nikdy nebyla obnovena. Bydlen\u00ed s kamar\u00e1dem se v\u00e1m l\u00edb\u00ed, ale neuv\u011bdomili jste si, jak drah\u00e9 to bude. Kdy\u017e jste bydleli doma, nikdy jste se nemuseli starat o placen\u00ed \u00fa\u010dt\u016f za elekt\u0159inu, topen\u00ed nebo internet. Nemluv\u011b o n\u00e1kladech na n\u00e1jem, dopravu a j\u00eddlo. Mrz\u00ed v\u00e1s, \u017ee jste se ve \u0161kole neu\u010dili o hospoda\u0159en\u00ed s pen\u011bzi, v tomto p\u0159\u00edpad\u011b by to bylo rozhodn\u011b u\u017eite\u010dn\u011bj\u0161\u00ed ne\u017e algebra!<\/p>\n

Va\u0161e mzda sotva pokryje va\u0161e \u017eivotn\u00ed n\u00e1klady a na spole\u010densk\u00e9 akce s p\u0159\u00e1teli v\u00e1m nezb\u00fdvaj\u00ed \u017e\u00e1dn\u00e9 voln\u00e9 pen\u00edze. Mysleli jste si, \u017ee bydlet ve m\u011bst\u011b bude super, proto\u017ee je tam co d\u011blat, ale skute\u010dnost je takov\u00e1, \u017ee si nem\u016f\u017eete dovolit v\u016fbec nic. Tak\u00e9 se ob\u00e1v\u00e1te o jistotu zam\u011bstn\u00e1n\u00ed, proto\u017ee minul\u00fd t\u00fdden musela va\u0161e firma vypov\u011bd\u011bt smlouvy t\u0159em lidem. Stresujete se t\u00edm, co by se stalo, kdyby se tot\u00e9\u017e stalo v\u00e1m. Jak byste si mohli dovolit platit n\u00e1jem a \u00fa\u010dty? Nem\u00e1te \u017e\u00e1dn\u00e9 \u00faspory a c\u00edt\u00edte se zdrcen\u011b, kdy\u017e na to mysl\u00edte.<\/p>\n

Toho ve\u010dera, kdy\u017e se vr\u00e1t\u00edte dom\u016f, se v\u00e1\u0161 spolubydl\u00edc\u00ed John zm\u00edn\u00ed, \u017ee je splatn\u00fd \u00fa\u010det za internet a elekt\u0159inu. Po\u017e\u00e1d\u00e1 v\u00e1s, abyste p\u0159evedli sv\u016fj pod\u00edl pen\u011bz na jeho bankovn\u00ed \u00fa\u010det. \nVelmi si povzdechnete, \u010deho\u017e si John v\u0161imne a zept\u00e1 se v\u00e1s, zda je v\u0161e v po\u0159\u00e1dku. Roz\u010d\u00edl\u00edte se a vysv\u011btl\u00edte mu, \u017ee m\u00e1te obavy, proto\u017ee va\u0161e \u00fa\u010dty se od dob covidu zv\u00fd\u0161ily a vy pracujete m\u00e9n\u011b hodin ne\u017e d\u0159\u00edve. Kreditn\u00ed kartu pou\u017e\u00edv\u00e1te v\u00edce ne\u017e obvykle a c\u00edt\u00edte se z finan\u010dn\u00ed situace zdrcen\u011b a vystresovan\u011b.<\/p>\n

John v\u00e1s obejme a \u0159ekne v\u00e1m, abyste si ned\u011blali starosti. Vysv\u011btluje, \u017ee v\u011bt\u0161ina lid\u00ed se s n\u00e1r\u016fstem \u017eivotn\u00edch n\u00e1klad\u016f vyrovn\u00e1v\u00e1 obt\u00ed\u017en\u011b. \u0158\u00edk\u00e1, \u017ee se na internetu do\u010detl, \u017ee Covid-19 ekonomicky nejv\u00edce zas\u00e1hl mlad\u00e9 lidi a \u017ee mnoz\u00ed z nich jsou nezam\u011bstnan\u00ed nebo nemaj\u00ed jistotu zam\u011bstn\u00e1n\u00ed. P\u0159iznal, \u017ee i on se ob\u00e1v\u00e1 o pen\u00edze a je pro n\u011bj obt\u00ed\u017en\u00e9 si ka\u017ed\u00fd m\u011bs\u00edc sestavit rozpo\u010det.<\/p>\n

M\u00e1te o n\u011bco lep\u0161\u00ed pocit, \u017ee nejste jedin\u00fd \u010dlov\u011bk, kter\u00fd se stresuje kv\u016fli pen\u011bz\u016fm. Ale bohu\u017eel to nic nem\u011bn\u00ed na tom, \u017ee mus\u00edte n\u011bco ud\u011blat, abyste se s t\u00edmto probl\u00e9mem vypo\u0159\u00e1dali.<\/p>\n

\u00dakoly<\/strong><\/em><\/p>\n

Pozd\u011bji se pust\u00edte do v\u00fdzkumu a zjist\u00edte, \u017ee pandemie Covid-19 m\u011bla negativn\u00ed dopad na zam\u011bstnanost, \u017eivotn\u00ed \u00farove\u0148 a du\u0161evn\u00ed pohodu mlad\u00fdch lid\u00ed. M\u00edra nezam\u011bstnanosti mlad\u00fdch lid\u00ed se zv\u00fd\u0161ila a ti, kte\u0159\u00ed byli zam\u011bstn\u00e1ni, m\u011bli pot\u00ed\u017ee s dosa\u017een\u00edm mzdy, za kterou by se dalo slu\u0161n\u011b vy\u017e\u00edt, co\u017e je\u0161t\u011b zhor\u0161ilo zv\u00fd\u0161en\u00ed \u017eivotn\u00edch n\u00e1klad\u016f. Rekordn\u00ed po\u010det mlad\u00fdch lid\u00ed m\u011bl pot\u00ed\u017ee s du\u0161evn\u00edm zdrav\u00edm a hl\u00e1sil vysokou m\u00edru stresu a \u00fazkosti zp\u016fsobenou finan\u010dn\u00edmi starostmi.<\/p>\n

Tyto informace v\u00e1s nep\u0159ekvapuj\u00ed a roz\u010diluje v\u00e1s, \u017ee podobnou situaci jako vy za\u017e\u00edvaj\u00ed i dal\u0161\u00ed mlad\u00ed lid\u00e9. Rozhodnete se, \u017ee chcete zv\u00fd\u0161it pov\u011bdom\u00ed o tomto probl\u00e9mu, a navrhnete Johnovi, \u017ee byste oba mohli nato\u010dit podcast. Mysl\u00ed\u0161 si, \u017ee by to mohl b\u00fdt skv\u011bl\u00fd zp\u016fsob, jak se pod\u011blit o d\u016fle\u017eit\u00e9 informace s ostatn\u00edmi mlad\u00fdmi lidmi a zapojit do rozhovoru o probl\u00e9mech, kter\u00e9 se t\u00fdkaj\u00ed financ\u00ed mlad\u00fdch lid\u00ed, n\u011bjak\u00e9 odborn\u00edky!<\/p>","protected":false},"excerpt":{"rendered":"

Let\u2019s Talk about Money and Financial Literacy! Introduction You have recently moved out of home to live with a friend […]<\/p>","protected":false},"featured_media":1398,"comment_status":"closed","ping_status":"closed","template":"","course_category":[11],"course_tag":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/lp_course\/1249"}],"collection":[{"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/lp_course"}],"about":[{"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/types\/lp_course"}],"replies":[{"embeddable":true,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/comments?post=1249"}],"version-history":[{"count":2,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/lp_course\/1249\/revisions"}],"predecessor-version":[{"id":1267,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/lp_course\/1249\/revisions\/1267"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/media\/1398"}],"wp:attachment":[{"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/media?parent=1249"}],"wp:term":[{"taxonomy":"course_category","embeddable":true,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/course_category?post=1249"},{"taxonomy":"course_tag","embeddable":true,"href":"https:\/\/hangoutmooc.eu\/cs\/wp-json\/wp\/v2\/course_tag?post=1249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}