{"id":1594,"date":"2019-04-17T16:33:01","date_gmt":"2019-04-17T15:33:01","guid":{"rendered":"https:\/\/www.bohatytata.cz\/?p=1594"},"modified":"2019-04-24T18:32:12","modified_gmt":"2019-04-24T17:32:12","slug":"hotovost-je-sexy","status":"publish","type":"post","link":"https:\/\/www.bohatytata.cz\/index.php\/2019\/04\/17\/hotovost-je-sexy\/","title":{"rendered":"Hotovost je sexy"},"content":{"rendered":"

V dne\u0161n\u00ed dob\u011b virtu\u00e1ln\u00edch finan\u010dn\u00edch transakc\u00ed si m\u00e1lo lid\u00ed u\u017e\u00edv\u00e1 hotovost. Vzpom\u00edn\u00e1m si na v\u016fni pen\u011bz, kter\u00e9 jsem vytahoval z v\u00fdplatn\u00ed ob\u00e1lky a jakou jsem m\u011bl radost, kdy\u017e na m\u011b vypadla n\u011bjak\u00e1 tis\u00edcikoruna, jin\u00e9 pap\u00edrov\u00e9 bankovky a mince. Podle m\u00e9ho n\u00e1zoru je hotovost st\u00e1le sexy a m\u00e1 je\u0161t\u011b jednu p\u0159idanou hodnotu. Hodnotu pen\u011bz.<\/strong><\/span><\/p>\n

Na za\u010d\u00e1tku n\u00e1padu n\u00e1zvu o sexy hotovosti byl rozhovor s kamar\u00e1dkou. \u0158\u00edkejme ji t\u0159eba Petra \u00a0\/i kdy\u017e se jmenuje Martina\/ d\u011bl\u00e1m si legraci \ud83d\ude42<\/p>\n

Bohat\u00fd t\u00e1to, rozum\u00ed\u0161 financ\u00edm?\u00a0<\/span><\/h4>\n

Petra se m\u011b zeptala: Bohat\u00fd t\u00e1to, rozum\u00ed\u0161 financ\u00edm nebo o tom jen p\u00ed\u0161e\u0161?<\/strong>\u00a0Rozvinula se debata na t\u00e9ma, \u017ee nejsem finan\u010dn\u00ed expert, p\u0159esto jsem si v \u017eivot\u011b pro\u0161el marnotratn\u00fdm utr\u00e1cen\u00edm, spo\u0159en\u00edm, od\u0159\u00edk\u00e1n\u00edm i investicemi v \u0159\u00e1du set tis\u00edc. Z tohoto pohledu m\u00e1m n\u011bjak\u00fd p\u0159ehled o tom, co se b\u011b\u017en\u00fdm lidem m\u016f\u017ee p\u0159ihodit a pokud jsem si pro\u0161el \u00fadol\u00edm chyb, je zbyte\u010dn\u00e9 aby tam \u0161el n\u011bkdo dal\u0161\u00ed. Str\u00e1vili jsme debatou na t\u00e9ma n\u011bjak\u00fd \u010das a poda\u0159ilo se n\u00e1m doj\u00edt k c\u00edli, kter\u00fdm je PRVN\u00cd KROK.<\/span><\/strong> M\u016f\u017eete to vid\u011bt ve filmech, kde se mu\u017e nebo \u017eena u\u017e\u00edvaj\u00edc\u00ed alkohol postav\u00ed a p\u0159ed jin\u00fdmi lidmi vyslov\u00ed tu t\u011b\u017ekou v\u011btu, Jmenuji se XY a jsem alkoholik. <\/strong>Prvn\u00ed krok, kdy chce za\u010d\u00edt \u0159e\u0161it probl\u00e9m, kter\u00fd existuje. N\u00e1\u0161 rozhovor zakon\u010dila slovy, mus\u00ed\u0161 o tom napsat. T\u0159eba je v\u00edce lid\u00ed, kte\u0159\u00ed maj\u00ed podobn\u00fd probl\u00e9m, ale boj\u00ed se sv\u011b\u0159it nebo zeptat.\u00a0<\/strong><\/p>\n

\"\"<\/p>\n

M\u00e1m dobr\u00fd p\u0159\u00edjem a p\u0159esto nevych\u00e1z\u00edm s pen\u011bzi<\/span><\/h4>\n

Petra mi \u0159ekla. M\u00e1m solidn\u00ed p\u0159\u00edjem, m\u00e1m vlastn\u00ed bydlen\u00ed a p\u0159esto m\u00e1m probl\u00e9m vyj\u00edt s pen\u011bzi. V\u00edm, \u017ee je chyba na m\u00e9 stran\u011b a \u017ee utr\u00e1c\u00edm za v\u011bci, kter\u00e9 nepot\u0159ebuji. Nedok\u00e1\u017ei si pomoci, kdy\u017e vid\u00edm v\u00fdhodn\u00e9 nab\u00eddky a v\u011bci, kter\u00e9 jsou barevn\u00e9, hezk\u00e9 a tak u\u017eite\u010dn\u00e9. Prvn\u00ed v\u011bc, kter\u00e1 m\u011b napadla a na kter\u00e9 jsme se shodli, \u017ee to m\u016f\u017ee b\u00fdt psychologick\u00e1 kompenzace n\u011bjak\u00e9ho probl\u00e9mu. Vid\u011bl jsem tam jen 2 cesty. Prvn\u00ed, kter\u00e1 je rozhodn\u011b efektivn\u00ed, odhalit ten probl\u00e9m a \u0159e\u0161it p\u0159\u00ed\u010dinu. Nejsem psycholog a pokud to dodnes neobjevila Petra ani lid\u00e9 v jej\u00edm okol\u00ed, j\u00e1 to rozhodn\u011b nevy\u0159e\u0161\u00edm. M\u016f\u017ee hledat, b\u00e1dat, zkoumat a ztr\u00e1cet \u010das. Druhou cestou byl m\u016fj pohled, poj\u010fme \u0159e\u0161it d\u016fsledky a ty zm\u011bnit. To jist\u011b um\u00edme.\u00a0<\/strong><\/p>\n

4 kroky k \u00fasp\u011bchu<\/span><\/h4>\n

Krok \u010d\u00edslo 1<\/strong> – c\u00edl<\/strong><\/p>\n

Dali jsme si c\u00edl. M\u00edsto nakupov\u00e1n\u00ed zbyte\u010dnost\u00ed se v budoucnu zam\u011b\u0159\u00ed na nakupov\u00e1n\u00ed v\u011bc\u00ed, kter\u00e9 maj\u00ed hodnotu. M\u016f\u017ee se jednat o drobn\u00e9 akcie, pod\u00edlov\u00e9 listy, zlat\u00e9 slitky. Pot\u0159eba nakupovat a utr\u00e1cet bude uspokojena, jen zam\u011b\u0159ena jin\u00fdm sm\u011brem. To je dlouhodob\u00fd c\u00edl, kl\u00ed\u010d k \u00fasp\u011bchu.<\/p>\n

\"Kl\u00ed\u010d<\/p>\n

Krok \u010d\u00edslo 2 – ob\u00e1lky<\/strong><\/p>\n

Petra mi \u0159ekla, nem\u00e1m \u017e\u00e1dn\u00e9 \u00faspory. Co vyd\u011bl\u00e1m, to utrat\u00edm i kdy\u017e m\u016fj p\u0159\u00edjem je cca 35.000 m\u011bs\u00ed\u010dn\u011b.<\/p>\n

M\u016fj n\u00e1vrh –<\/strong>\u00a0ka\u017ed\u00fd m\u011bs\u00edc odlo\u017e\u00ed\u0161 20% sv\u00e9ho p\u0159\u00edjmu na \u00fa\u010det, kter\u00fd nebude m\u00edt platebn\u00ed kartu ani \u017e\u00e1dn\u00fd jednoduch\u00fd p\u0159\u00edstup. 7.000 m\u011bs\u00ed\u010dn\u011b je dost vysok\u00e1 \u010d\u00e1stka na budouc\u00ed investice a zb\u00fdvaj\u00edc\u00edch 28.000 bez probl\u00e9m\u016f pokryje n\u00e1klady na \u017eivot, v\u010detn\u011b spl\u00e1tky hypot\u00e9ky a drobn\u00fdch radost\u00ed. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nem\u00e1 smysl j\u00edt na 30% a v\u00edce. Prvn\u00ed kroky by byly rychl\u00e9, ale motivace by vydr\u017eela kr\u00e1tce. 20% ku 80% p\u0159i uveden\u00e9m p\u0159\u00edjmu je ide\u00e1ln\u00ed pom\u011br.<\/p>\n

Hotovost je sexy.\u00a0<\/strong><\/span><\/h2>\n

\"Hotovost<\/p>\n

Hotovost m\u00e1 dv\u011b v\u00fdhody. Je to n\u011bco hmatateln\u00e9ho<\/strong>. Kdy\u017e si koup\u00edte zlat\u00fd slitek je to jist\u011b lep\u0161\u00ed pocit, ne\u017e text na pap\u00ed\u0159e o vlastnictv\u00ed zlata v hodnot\u011b x tis\u00edc korun. A druhou v\u00fdhodou hotovosti je, \u017ee proti platebn\u00edm kart\u00e1m a bankovn\u00edm p\u0159evod\u016fm je v\u00edce lepkav\u00e1<\/strong>. Zkuste zaplatit kartou nebo vyt\u00e1hnout hotovost. Kartou to lze velmi snadno. Vyd\u00e1v\u00e1n\u00ed hotovosti bol\u00ed. Koupit si \u010dokol\u00e1du na kartu je snadn\u011bj\u0161\u00ed ne\u017e rozm\u011bnit kv\u016fli \u010dokol\u00e1d\u011b tis\u00edcikorunu. Poradil jsem ji, aby si zb\u00fdvaj\u00edc\u00ed 80% m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku rozd\u011blila do 31 ob\u00e1lek rovnom\u011brn\u011b. Ka\u017ed\u00fd den m\u016f\u017ee utratit maxim\u00e1ln\u011b \u010d\u00e1stku z jedn\u00e9 ob\u00e1lky. Pokud bude m\u011bs\u00edc krat\u0161\u00ed ne\u017e 31 dn\u016f, m\u00e1 mo\u017enost ud\u011blat si radost a utratit ob\u00e1lku nav\u00edc. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nelze br\u00e1t ob\u00e1lky dop\u0159edu. \u0158ekla mi, ale kolem 25. dne v m\u011bs\u00edci m\u00e1m platit bydlen\u00ed a spl\u00e1tku hypot\u00e9ky. Ob\u00e1lka mi sta\u010dit nebude.<\/em> \u00a0Moje odpov\u011b\u010f byla jednoduch\u00e1. Jsou pouze dv\u011b mo\u017enosti. N\u00e1sleduj\u00edc\u00ed dny bude\u0161 vyd\u00e1vat v\u0161e z dal\u0161\u00edch ob\u00e1lek a nebude\u0161 ani j\u00edst nebo je t\u0159eba ka\u017ed\u00fd den z ob\u00e1lky odlo\u017eit. Souhlasila.<\/strong><\/p>\n

Jako z chlupat\u00e9 deky\u00a0<\/span><\/strong><\/h2>\n

Krok \u010d\u00edslo 3 – u\u017e to z n\u00e1s leze\u00a0<\/strong><\/p>\n

Utekla necel\u00e1 hodina a zvonil mi telefon. Petra na opa\u010dn\u00e9m konci mi \u0159ekla. Je je\u0161t\u011b n\u011bco. M\u00e1m kreditn\u00ed kartu a kontokorent.<\/strong>\u00a0<\/em>Strategii jsme m\u011bli nastavenou a nebylo t\u0159eba ji moc m\u011bnit. Pl\u00e1n je jednoduch\u00fd. M\u00edsto m\u011bs\u00ed\u010dn\u00ed odkl\u00e1dan\u00e9 \u010d\u00e1stky 20% bude tato \u010d\u00e1stka umo\u0159ovat kreditn\u00ed kartu. Dluh na kreditn\u00ed kart\u011b vych\u00e1z\u00ed na 3,5 m\u011bs\u00edce. Po splacen\u00ed dluhu ve 4. m\u011bs\u00edci, kartu zru\u0161\u00ed a t\u00edm se zbav\u00ed jednoho dluhu. Za splacen\u00ed karty m\u016f\u017ee ve 4. m\u011bs\u00edci utratit zbytek m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stky, polovinu m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, jin\u00fdmi slovy 10% p\u0159\u00edjmu. Za cokoli. Vyhodit je za \u00faplnou blbost, nesmysl, jen tak n\u011bco pro radost. V\u017edy je d\u016fle\u017eit\u00e9 z\u00edskat i odm\u011bnu za to, \u017ee jsme si dok\u00e1zali n\u011bco od\u0159\u00edct. Od 5. m\u011bs\u00edce p\u016fjdou spl\u00e1tky ve v\u00fd\u0161i 20% na kontokorent.<\/p>\n

\"P\u0159est\u0159i\u017een\u00e1<\/p>\n

Krok \u010d\u00edslo 4 – je\u0161t\u011b jeden kostlivec ve sk\u0159\u00edni<\/strong><\/p>\n

\u017dijeme v re\u00e1ln\u00e9m sv\u011bt\u011b. \u00dasp\u011bchy r\u00e1di sd\u00edl\u00edme s okol\u00edm a na\u0161e nedostatky si nech\u00e1v\u00e1me pro sebe. A p\u0159itom to jsou cesty do pekel, s kter\u00fdmi si neum\u00edme sami pomoci a na\u0161e okol\u00ed vid\u00ed situaci objektivn\u011bji. V\u00edme, \u017ee d\u011bl\u00e1me chyby a nechceme to p\u0159iznat sami sob\u011b, nato\u017e p\u0159ed jin\u00fdmi. Je t\u011b\u017ek\u00e9 postavit se a \u0159\u00edci, Jsem Pavel a jsem alkoholik, Jsem Pavel a jsem fl\u00e1ka\u010d, Jsem Pavel a jsem \u00fatratn\u00fd.\u00a0<\/strong>V\u00e1\u017e\u00edm si ka\u017ed\u00e9ho, kdo najde s\u00edlu a dok\u00e1\u017ee to. Telefon zazvonil je\u0161t\u011b jednou a ten den naposledy. Na druh\u00e9m konci se ozvalo. P\u0159i\u0161el mi bal\u00edk. D\u00e1rek za 2.000, kter\u00fd jsem si objednala d\u0159\u00edve.\u00a0<\/em><\/span>M\u016fj pohled byl jednoduch\u00fd tak jako odpov\u011b\u010f. Zbo\u017e\u00ed zakoupen\u00e9 p\u0159es internet lze bez ud\u00e1n\u00ed d\u016fvodu vr\u00e1tit.<\/strong> Ale j\u00e1 jsem to u\u017e zaplatila …\u00a0<\/span><\/em>byla zbyte\u010dn\u00e1 v\u011bta tonouc\u00edho, kter\u00fd se st\u00e9bla chyt\u00e1. M\u00e1 odpov\u011b\u010f byla stejn\u00e1, zbo\u017e\u00ed zakoupen\u00e9 p\u0159es internet lze bez ud\u00e1n\u00ed d\u016fvodu vr\u00e1tit, ale pokud na to m\u00e1\u0161 v dne\u0161n\u00ed ob\u00e1lce dost pen\u011bz, u\u017eij si d\u00e1rek. Je to tv\u00e1 volba. O hodinu pozd\u011bji mi p\u0159i\u0161la zpr\u00e1va. Vracen\u00ed mi trh\u00e1 srdce\u00a0<\/span><\/em>a j\u00e1 v tu chv\u00edli v\u011bd\u011bl, \u017ee jsme na dobr\u00e9 cest\u011b.\u00a0<\/span><\/span><\/span><\/p>\n

\"Kostlivec<\/p>\n

M\u00e1te podobn\u00e9 zku\u0161enosti? \u00a0Napi\u0161te mi do koment\u00e1\u0159\u016f nebo na info@bohatytata.cz<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

V dne\u0161n\u00ed dob\u011b virtu\u00e1ln\u00edch finan\u010dn\u00edch transakc\u00ed si m\u00e1lo lid\u00ed u\u017e\u00edv\u00e1 hotovost. Vzpom\u00edn\u00e1m si na v\u016fni pen\u011bz, kter\u00e9 jsem vytahoval z v\u00fdplatn\u00ed ob\u00e1lky a jakou jsem m\u011bl radost, kdy\u017e na m\u011b vypadla n\u011bjak\u00e1 tis\u00edcikoruna, jin\u00e9 pap\u00edrov\u00e9 bankovky a mince. Podle m\u00e9ho<\/p>\n","protected":false},"author":1,"featured_media":1660,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"yoast_head":"\nHotovost je sexy - Bohat\u00fd t\u00e1ta<\/title>\n<meta name=\"description\" content=\"Pokud m\u00e1te probl\u00e9m udr\u017eet korunu i kdy\u017e v\u00e1\u0161 p\u0159\u00edjem je dostate\u010dn\u00fd, zde je jedna z cest. 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