[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emwac.cz\/nespadnete-do-dluhove-pasti\/#Article","mainEntityOfPage":"https:\/\/www.emwac.cz\/nespadnete-do-dluhove-pasti\/","headline":"Nespadn\u011bte do dluhov\u00e9 pasti","name":"Nespadn\u011bte do dluhov\u00e9 pasti","description":"V\u00e1noce jsou obdob\u00edm, kdy se spousta rodin zd\u00e1nliv\u011b zbyte\u010dn\u011b zadlu\u017e\u00ed na dlouh\u00e9 obdob\u00ed, mnohdy s neschopnost\u00ed spl\u00e1cet sv\u00e9 z\u00e1vazky. Dost\u00e1vaj\u00ed se tak do velk\u00e9 dluhov\u00e9 pasti, ze kter\u00e9 nemaj\u00ed \u0161anci se dostat jinak ne\u017e formou insolvence, kter\u00e1 m\u00e1 ale pom\u011brn\u011b p\u0159\u00edsn\u00e1 pravidla a nedos\u00e1hne na ni ka\u017ed\u00fd. Spousta rodin tak kon\u010d\u00ed v exekuc\u00edch a mnohdy […]","datePublished":"2021-09-02","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.emwac.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.emwac.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c192bfd1262e8256fe3eac43754b6ece89624ea6667e488d9445cc2d04372644?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emwac.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emwac.cz\/wp-content\/uploads\/poverty-g57bb49d47_1920.jpg","url":"https:\/\/www.emwac.cz\/wp-content\/uploads\/poverty-g57bb49d47_1920.jpg","height":0,"width":0},"url":"https:\/\/www.emwac.cz\/nespadnete-do-dluhove-pasti\/","about":["Pen\u00edze"],"wordCount":426,"articleBody":"       V\u00e1noce jsou obdob\u00edm, kdy se spousta rodin zd\u00e1nliv\u011b zbyte\u010dn\u011b zadlu\u017e\u00ed na dlouh\u00e9 obdob\u00ed, mnohdy s neschopnost\u00ed spl\u00e1cet sv\u00e9 z\u00e1vazky. Dost\u00e1vaj\u00ed se tak do velk\u00e9 dluhov\u00e9 pasti, ze kter\u00e9 nemaj\u00ed \u0161anci se dostat jinak ne\u017e formou insolvence, kter\u00e1 m\u00e1 ale pom\u011brn\u011b p\u0159\u00edsn\u00e1 pravidla a nedos\u00e1hne na ni ka\u017ed\u00fd. Spousta rodin tak kon\u010d\u00ed v exekuc\u00edch a mnohdy p\u0159ijde \u00fapln\u011b o v\u0161e. \u010casto pak p\u0159ij\u00edmaj\u00ed i p\u016fj\u010dky na exekuce a pokud nejsou schopn\u00ed spl\u00e1cet, tak se probl\u00e9m je\u0161t\u011b prohlubuje. Jak se dluhov\u00e9 pasti vyhnout?1. Kdy si p\u016fj\u010ditV\u017edycky, ne\u017e si p\u016fj\u010d\u00edte pen\u00edze, p\u0159em\u00fd\u0161lejte o tom, zda je to pro v\u00e1s nutnost. Chcete si p\u016fj\u010dit na v\u00e1no\u010dn\u00ed d\u00e1rky? Neobejdete se bez p\u016fj\u010dky? V\u00e1noce p\u0159ece nejsou jen o d\u00e1rc\u00edch ale o soun\u00e1le\u017eitosti, rodin\u011b, tradic\u00edch\u2026 Pod strome\u010dkem sta\u010d\u00ed opravdov\u00e1 mali\u010dkost, kter\u00e1 pot\u011b\u0161\u00ed, net\u0159eba velk\u00fdch dar\u016f. To stejn\u00e9 plat\u00ed v p\u0159\u00edpad\u011b dovolen\u00fdch, p\u016fj\u010dit si pen\u00edze na dovolenou je dal\u0161\u00ed velk\u00fd pr\u016f\u0161vih, pokud na ni nejste schopni p\u0159es rok na\u0161et\u0159it, je blbost na ni jezdit.2. Kdy\u017e mus\u00edteRozbila se v\u00e1m pra\u010dka a nutn\u011b pot\u0159ebujete novou? Mnohdy se n\u011bco rychle pokaz\u00ed a pokud nem\u00e1me na\u0161et\u0159eno, tak je nutn\u00e9 danou v\u011bc vym\u011bnit za ciz\u00ed. Nutn\u00e9 p\u016fj\u010dky jsou takov\u00e9, kter\u00fdm se prost\u011b a jednodu\u0161e nevyhneme. Pokud si p\u016fj\u010dit mus\u00edte, pak se zam\u011b\u0159te p\u0159edev\u0161\u00edm na to, za jak\u00fdch podm\u00ednek si p\u016fj\u010d\u00edte a na nastaven spl\u00e1tek, co\u017e je hlavn\u00ed probl\u00e9m. Nastavte si spl\u00e1tky tak, abyste byli schopni je spl\u00e1cet, by\u0165 za cenu vy\u0161\u0161\u00edho \u00faroku. Spl\u00e1tky tak budete m\u00edt rozlo\u017een\u00e9 na v\u00edce m\u011bs\u00edc\u016f ale samotn\u00e1 spl\u00e1tka bude ni\u017e\u0161\u00ed.3. Kdy\u017e nem\u016f\u017eete spl\u00e1cetPokud se n\u011bco stane a nejste schopni poslat m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, \u0159e\u0161te to co nejd\u0159\u00edve. Oslovte instituci, u kter\u00e9 m\u00e1te p\u016fj\u010dku, vysv\u011btlete situaci a sna\u017ete se vykomunikovat odklad spl\u00e1tek. Pokud je v\u00fdpadek spl\u00e1cen\u00ed dlouhodob\u011bj\u0161\u00ed, jedn\u00e1 se o probl\u00e9m. \u017d\u00e1dn\u00e1 instituce, kter\u00e1 p\u016fj\u010duje pen\u00edze nebude na spl\u00e1tky \u010dekat rok, tak\u017ee pokud m\u00e1te probl\u00e9m spl\u00e1cet, mus\u00edte ho co nejd\u0159\u00edve \u0159e\u0161it.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nespadn\u011bte do dluhov\u00e9 pasti","item":"https:\/\/www.emwac.cz\/nespadnete-do-dluhove-pasti\/#breadcrumbitem"}]}]