{"id":3010,"date":"2021-09-03T11:00:39","date_gmt":"2021-09-03T09:00:39","guid":{"rendered":"https:\/\/prahaskolska-backup.200.solutions.uvirt120.active24.cz\/?p=3010"},"modified":"2021-09-03T11:00:39","modified_gmt":"2021-09-03T09:00:39","slug":"ceske-deti-dostavaji-prumerne-250-korun-kapesneho","status":"publish","type":"post","link":"https:\/\/prahaskolska-backup.200.solutions\/?p=3010","title":{"rendered":"\u010cesk\u00e9 d\u011bti dost\u00e1vaj\u00ed pr\u016fm\u011brn\u011b 250 korun kapesn\u00e9ho"},"content":{"rendered":"\n<p><strong>Nov\u00fd \u0161koln\u00ed rok za\u010dal a spousta rodi\u010d\u016f za\u010dala \u0159e\u0161it, zda a kolik pen\u011bz by m\u011bly d\u011bti dost\u00e1vat jako kapesn\u00e9. Z&nbsp;pr\u016fzkumu, kter\u00fd provedla \u010cesk\u00e1 bankovn\u00ed asociace spole\u010dn\u011b s&nbsp;agenturou Ipsos, vypl\u00fdv\u00e1, \u017ee kapesn\u00e9 dost\u00e1v\u00e1 sedm z&nbsp;deseti \u010desk\u00fdch d\u011bt\u00ed. Necel\u00e1 polovina rodi\u010d\u016f (44 procent) d\u00e1v\u00e1 pen\u00edze d\u011btem pravideln\u011b, v\u011bt\u0161inou jednou t\u00fddn\u011b nebo m\u011bs\u00ed\u010dn\u011b, a necel\u00e1 t\u0159etina je d\u011btem vypl\u00e1c\u00ed nepravideln\u011b. V&nbsp;pr\u016fm\u011bru rodi\u010de d\u011btem d\u00e1vaj\u00ed 250 korun na m\u011bs\u00edc. Pr\u016fzkum tak\u00e9 zjistil, \u017ee ka\u017ed\u00e9 des\u00e1t\u00e9 d\u00edt\u011b nam\u00edsto kapesn\u00e9ho dost\u00e1v\u00e1 odm\u011bnu za nadstandardn\u00ed pr\u00e1ce v dom\u00e1cnosti \u010di pomoc.<\/strong><\/p>\n\n\n\n<p>\u201eOdm\u011b\u0148ovat d\u011bti, nebo jim d\u00e1vat kapesn\u00e9, pat\u0159\u00ed k prvn\u00edm krok\u016fm rozvoje finan\u010dn\u00ed gramotnosti. Ne\u017e se pro to rozhodneme, je dobr\u00e9 d\u00edt\u011b se sv\u011btem financ\u00ed a hodnotou pen\u011bz ale trochu sezn\u00e1mit. M\u011bli bychom jim vysv\u011btlit, \u017ee z ka\u017ed\u00e9ho p\u0159\u00edsp\u011bvku by si m\u011bly \u010d\u00e1st spo\u0159it pro p\u0159\u00edpad, \u017ee by si cht\u011bly koupit n\u011bco v\u011bt\u0161\u00edho. V budoucnu pak pro n\u011b bude mnohem snaz\u0161\u00ed pochopit, \u017ee z pen\u011bz, kter\u00e9 maj\u00ed, si mus\u00ed vytv\u00e1\u0159et finan\u010dn\u00ed rezervy,\u201c \u0159\u00edk\u00e1 Lucie N\u00e1pravov\u00e1, gestorka finan\u010dn\u00edho vzd\u011bl\u00e1v\u00e1n\u00ed \u010cesk\u00e9 bankovn\u00ed asociace.<\/p>\n\n\n\n<p>A za co d\u011bti nej\u010dast\u011bji pen\u00edze od rodi\u010d\u016f utr\u00e1c\u00ed? Nej\u010dast\u011bji si kupuj\u00ed sladkosti a drobnosti (58 %), kosmetiku (12 %) nebo jej utrat\u00ed za nov\u00e9 po\u010d\u00edta\u010dov\u00e9 \u010di jin\u00e9 videohry a jejich vylep\u0161en\u00ed (11 %). Necel\u00e1 polovina rodi\u010d\u016f vypl\u00e1c\u00ed kapesn\u00e9 tradi\u010dn\u00edm zp\u016fsobem, tedy v hotovosti, 13 % jej pos\u00edl\u00e1 na \u00fa\u010det a ka\u017ed\u00fd des\u00e1t\u00fd rodi\u010d uveden\u00e9 zp\u016fsoby kombinuje.<\/p>\n\n\n\n<p>Finan\u010dn\u00ed \u010d\u00e1stka se li\u0161\u00ed dle v\u011bku d\u011bt\u00ed. Pr\u016fzkum tak\u00e9 zjistil, \u017ee kapesn\u00e9 dost\u00e1vaj\u00ed u\u017e d\u011bti v&nbsp;p\u0159ed\u0161koln\u00edm v\u011bku, a to u v\u00edce ne\u017e poloviny osloven\u00fdch rodi\u010d\u016f. Suma kapesn\u00e9ho u t\u00e9to v\u011bkov\u00e9 skupiny se pohybovala okolo sta korun. Po n\u00e1stupu do \u0161koly se \u010d\u00e1stka \u00fam\u011brn\u011b zvy\u0161uje. Mlad\u0161\u00ed \u017e\u00e1ci dost\u00e1vaj\u00ed v&nbsp;pr\u016fm\u011bru 130 korun a star\u0161\u00ed d\u011bti 280 korun m\u011bs\u00ed\u010dn\u011b. Po p\u0159echodu na st\u0159edn\u00ed \u0161kolu, do doby ne\u017e za\u010dnou sami vyd\u011bl\u00e1vat, se kapesn\u00e9 pohybuje okolo 480 korun na m\u011bs\u00edc.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">D\u016fle\u017eit\u00e1 sou\u010d\u00e1st vypl\u00e1cen\u00ed kapesn\u00e9ho je i rozhodov\u00e1n\u00ed za co jej utratit<\/h1>\n\n\n\n<p>Za co kapesn\u00e9 utrat\u00ed sama rozhoduje p\u011btina d\u011bt\u00ed (19 %). Ka\u017ed\u00e9 t\u0159et\u00ed d\u00edt\u011b se i p\u0159es volnost v&nbsp;rozhodov\u00e1n\u00ed rad\u00ed s rodi\u010di. Naopak p\u0159ibli\u017en\u011b desetina d\u011bt\u00ed se mus\u00ed rodi\u010d\u016f dovolit poka\u017ed\u00e9, kdy\u017e si chce n\u011bco koupit a 14 % pak mus\u00ed \u017e\u00e1dat svolen\u00ed a\u017e od ur\u010dit\u00e9 \u010d\u00e1stky.<\/p>\n\n\n\n<p>\u201eAby se d\u011bti nau\u010dily samostatn\u011b s pen\u011bzi nakl\u00e1dat a hospoda\u0159it, nem\u011bli bychom jim diktovat, co s kapesn\u00fdm maj\u00ed d\u011blat. Ide\u00e1ln\u011b s nimi m\u016f\u017eeme probrat \u00fa\u010del v\u011bt\u0161\u00edch n\u00e1kup\u016f, na kter\u00e9 si rozhodly \u0161et\u0159it, a \u0159\u00edct jim n\u00e1\u0161 n\u00e1zor, ale rozhodnut\u00ed bychom m\u011bli nechat rozhodn\u011b na nich \u2013 zku\u0161enosti jsou nejlep\u0161\u00ed u\u010ditel a chybami se \u010dlov\u011bk u\u010d\u00ed,\u201c vysv\u011btluje Lucie N\u00e1pravov\u00e1.<\/p>\n\n\n\n<p>Pokud d\u011bti utrat\u00ed kapesn\u00e9 p\u0159ed\u010dasn\u011b, m\u011bli by rodi\u010de b\u00fdt d\u016fsledn\u00ed a ned\u00e1vat jim dal\u0161\u00ed. To dodr\u017euje p\u011btina osloven\u00fdch rodi\u010d\u016f. P\u011btina rodi\u010d\u016f je naopak ochotna d\u011btem pen\u00edze p\u0159iplatit, pokud si pen\u00edze zaslou\u017e\u00ed, nap\u0159\u00edklad jako odm\u011bnu za vykonan\u00e9 dom\u00e1c\u00ed pr\u00e1ce. Na 16 % rodi\u010d\u016f d\u011btem pen\u00edze d\u00e1, ale \u010d\u00e1stku jim strhne z dal\u0161\u00edho kapesn\u00e9ho. Jen osm procent d\u011bt\u00ed dost\u00e1v\u00e1 pen\u00edze bez probl\u00e9m\u016f kdykoliv sv\u00e9 rodi\u010de po\u017e\u00e1daj\u00ed.<\/p>\n\n\n\n<p>\u201ePokud budeme napravovat jejich chyby, ztr\u00e1c\u00ed kapesn\u00e9 sv\u016fj v\u00fdchovn\u00fd rozm\u011br a nenau\u010d\u00ed je spr\u00e1vn\u00e9mu hospoda\u0159en\u00ed. Pokud budou pen\u00edze pot\u0159ebovat na n\u011bco nezbytn\u00e9ho, pak jim m\u016f\u017eeme pen\u00edze p\u016fj\u010dit a z dal\u0161\u00edho kapesn\u00e9ho \u010d\u00e1stku strhnout. Takto je nau\u010d\u00edme, jak funguje p\u016fj\u010dov\u00e1n\u00ed. P\u0159\u00edpadn\u011b jim m\u016f\u017eeme nab\u00eddnout mo\u017enost si dodate\u010dn\u00e9 pen\u00edze odpracovat, ale pozor: n\u011b\u010d\u00edm nadstandardn\u00edm! Rozhodn\u011b bychom jim nem\u011bli d\u00e1vat pen\u00edze za b\u011b\u017en\u00e9 dom\u00e1c\u00ed pr\u00e1ce, nebo za to, \u017ee budou hodn\u00ed,\u201c rad\u00ed gestorka finan\u010dn\u00edho vzd\u011bl\u00e1v\u00e1n\u00ed \u010cBA Lucie N\u00e1pravov\u00e1.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Finan\u010dn\u00ed gramotnost ve \u0161kol\u00e1ch neu\u010d\u00ed dostate\u010dn\u011b, mysl\u00ed si v\u00edce ne\u017e polovina dosp\u011bl\u00fdch<\/h1>\n\n\n\n<p>Mluvit s&nbsp;d\u011btmi o pen\u011bz\u00edch je podle odborn\u00edk\u016f nutn\u00e9 u\u017e od mali\u010dka. Podle 68 procent obyvatelstva by m\u011bl ned\u00edlnou roli v&nbsp;posilov\u00e1n\u00ed d\u016fle\u017eitosti finan\u010dn\u00ed gramotnosti u d\u011bt\u00ed sehr\u00e1vat st\u00e1t prost\u0159ednictv\u00edm \u0161kolstv\u00ed. Podle 56 procent dosp\u011bl\u00fdch je v\u0161ak v\u00fduka v&nbsp;tomto ohledu nedostate\u010dn\u00e1.<\/p>\n\n\n\n<p>\u201eSt\u00e1t by, prost\u0159ednictv\u00edm \u0161kol, m\u011bl b\u00fdt kl\u00ed\u010dovou instanc\u00ed v rozvoji finan\u010dn\u00ed vzd\u011blanosti. Svoji roli by ale m\u011bly sehr\u00e1t i banky a edukovat jak sv\u00e9 st\u00e1vaj\u00edc\u00ed, tak budouc\u00ed klienty. V neposledn\u00ed \u0159ad\u011b mus\u00edme p\u0159ijmout tak\u00e9 vlastn\u00ed zodpov\u011bdnost. Prvn\u00ed informace o financ\u00edch by d\u011bti m\u011bly m\u00edt od rodi\u010d\u016f ji\u017e v p\u0159ed\u0161koln\u00edm v\u011bku. M\u011bly by se postupn\u011b u\u010dit, co je drah\u00e9, co u\u017eite\u010dn\u00e9 a co nezbytn\u00e9. Bohu\u017eel o financ\u00edch v tomto v\u011bku hovo\u0159\u00ed s d\u011btmi jen \u010dtvrtina rodi\u010d\u016f. Dal\u0161\u00ed v\u00edce ne\u017e polovina rodi\u010d\u016f mluv\u00ed s d\u011btmi o pen\u011bz\u00edch a\u017e pozd\u011bji (59 %). Na 15 % rodi\u010d\u016f pak s nimi podle pr\u016fzkumu o t\u00e9to problematice nemluv\u00ed v\u016fbec,\u201c dopl\u0148uje Michal Straka, specialista pro finan\u010dn\u00ed trh agentury Ipsos.<\/p>\n\n\n\n<p>Nejv\u00edce se v\u0161ak podle odborn\u00edk\u016f d\u011bti u\u010d\u00ed p\u0159\u00edkladem, p\u0159ev\u00e1\u017en\u011b zku\u0161enostmi z\u00a0rodiny. Je tedy d\u016fle\u017eit\u00e9 jim v\u00a0tomto ohledu j\u00edt p\u0159\u00edkladem. A jak jsou na tom va\u0161e d\u011bti s\u00a0kapesn\u00fdm? M\u016f\u017eete n\u00e1m odpov\u011bd\u011bt v\u00a0anket\u011b na <a href=\"https:\/\/www.facebook.com\/prahaskolska\">facebooku Prahy \u0161kolsk\u00e9<\/a>.<\/p>\n\n\n\n<p><em>Photo by\u00a0<strong><a href=\"https:\/\/www.pexels.com\/@alexandermils?utm_content=attributionCopyText&amp;utm_medium=referral&amp;utm_source=pexels\">Alexander Mils<\/a><\/strong>\u00a0from\u00a0<strong><a href=\"https:\/\/www.pexels.com\/photo\/person-holding-100-us-dollar-banknotes-2068975\/?utm_content=attributionCopyText&amp;utm_medium=referral&amp;utm_source=pexels\">Pexels<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nov\u00fd \u0161koln\u00ed rok za\u010dal a spousta rodi\u010d\u016f za\u010dala \u0159e\u0161it, zda a kolik pen\u011bz by m\u011bly d\u011bti dost\u00e1vat jako kapesn\u00e9. Z&nbsp;pr\u016fzkumu, kter\u00fd provedla \u010cesk\u00e1 bankovn\u00ed asociace spole\u010dn\u011b s&nbsp;agenturou Ipsos, vypl\u00fdv\u00e1, \u017ee [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[34,20,39,41],"tags":[3,8,4],"class_list":["post-3010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inspirace-pro-rodice","category-mimoskolni-vzdelavani","category-praha-skolska","category-pro-verejnost","tag-reditel","tag-rodic-zak","tag-ucitel"],"acf":[],"gutentor_comment":0,"_links":{"self":[{"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/3010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3010"}],"version-history":[{"count":1,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/3010\/revisions"}],"predecessor-version":[{"id":3012,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/3010\/revisions\/3012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=\/wp\/v2\/media\/3011"}],"wp:attachment":[{"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prahaskolska-backup.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}