[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dova.sk\/financna-gramotnost-u-deti\/#Article","mainEntityOfPage":"https:\/\/www.dova.sk\/financna-gramotnost-u-deti\/","headline":"Finan\u010dn\u00e1 gramotnos\u0165 u det\u00ed","name":"Finan\u010dn\u00e1 gramotnos\u0165 u det\u00ed","description":"Na deti s\u00fa kladen\u00e9 \u010doraz vy\u0161\u0161ie n\u00e1roky. To neplat\u00ed iba v \u0161kole ale aj v be\u017enom \u017eivote. U\u017e die\u0165a do desa\u0165 rokov mus\u00ed ovl\u00e1da\u0165 z\u00e1klady finan\u010dnej gramotnosti.\u00a0Prem\u00fd\u0161\u013eali ste nad t\u00fdm, kedy je vhodn\u00e9 za\u010da\u0165 de\u0165om d\u00e1va\u0165 vreckov\u00e9? Odpove\u010f na t\u00fato ot\u00e1zku s univerz\u00e1lnym vzorcom neexistuje. Ka\u017ed\u00fd rodi\u010d je in\u00fd, rovnako...","datePublished":"2023-10-30","dateModified":"2023-10-30","author":{"@type":"Person","@id":"https:\/\/www.dova.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.dova.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dova.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dova.sk\/wp-content\/uploads\/arrows-2167840_1280_1.jpg","url":"https:\/\/www.dova.sk\/wp-content\/uploads\/arrows-2167840_1280_1.jpg","height":0,"width":0},"url":"https:\/\/www.dova.sk\/financna-gramotnost-u-deti\/","about":["Ekonomika"],"wordCount":457,"articleBody":"Na deti s\u00fa kladen\u00e9 \u010doraz vy\u0161\u0161ie n\u00e1roky. To neplat\u00ed iba v \u0161kole ale aj v be\u017enom \u017eivote. U\u017e die\u0165a do desa\u0165 rokov mus\u00ed ovl\u00e1da\u0165 z\u00e1klady finan\u010dnej gramotnosti.\u00a0Prem\u00fd\u0161\u013eali ste nad t\u00fdm, kedy je vhodn\u00e9 za\u010da\u0165 de\u0165om d\u00e1va\u0165 vreckov\u00e9? Odpove\u010f na t\u00fato ot\u00e1zku s univerz\u00e1lnym vzorcom neexistuje. Ka\u017ed\u00fd rodi\u010d je in\u00fd, rovnako ako je in\u00e9 aj ka\u017ed\u00e9 die\u0165a. Pok\u00fdm jedno si peniaze dok\u00e1\u017ee u\u0161etri\u0165, druh\u00e9 ich minie v priebehu d\u0148a. Deti treba vzdel\u00e1va\u0165 nielen doma. Vytvorenie priestoru na v\u00fdu\u010dbu finan\u010dnej gramotnosti by bolo ide\u00e1lnym rie\u0161en\u00edm. Bohu\u017eia\u013e na na\u0161ich \u0161kol\u00e1ch aktu\u00e1lne nie je priestor na zavedenie tak\u00e9hoto vyu\u010dovacieho predmetu do v\u00fdu\u010dby.Ost\u00e1va to teda na n\u00e1s – rodi\u010doch. Die\u0165a m\u00f4\u017eeme vies\u0165 k lep\u0161iemu hospod\u00e1reniu s peniazmi viacer\u00fdmi sp\u00f4sobmi. Jedn\u00fdm z nich je zavedenie vreckov\u00e9ho. Pri dodr\u017eiavan\u00ed frekvencie a v\u00fd\u0161ky vreckov\u00e9ho ale mus\u00edme by\u0165 striktn\u00fd. Inak by vzdel\u00e1vanie stratilo zmysel a sk\u00f4r by de\u0165om u\u0161kodilo ako im pomohlo. Efekt ktor\u00fd by pri\u0161iel s nedodr\u017eiavan\u00edm syst\u00e9mu by sa podobal modelu: Chcem peniaze, za\u017eiadam a dostanem aj navy\u0161e ak ich miniem. A to je ve\u013emi nebezpe\u010dn\u00fd zvyk do bud\u00facnosti. V\u00fdsledkom by mohla by\u0165 v dospelosti odk\u00e1zanos\u0165 na p\u00f4\u017ei\u010dky, ktor\u00e9 by pri\u0161li vtedy ak si za\u017eiada peniaze navy\u0161e.\u00a0Pozit\u00edvnej\u0161ou sk\u00fasenos\u0165ou ale m\u00f4\u017ee by\u0165 v\u00fduka \u0161etrenia. Ak die\u0165a zvl\u00e1dne u\u0161etri\u0165 peniaze a ovl\u00e1dnu\u0165 nutkanie nakupova\u0165 \u010do len chce, m\u00f4\u017eeme post\u00fapi\u0165 na vy\u0161\u0161\u00ed level. Chce\u0161 nie\u010do drah\u0161ie, u\u017e si vie\u0161 u\u0161etri\u0165 – tak \u0165a nau\u010d\u00edm ako ti peniaze bud\u00fa zar\u00e1ba\u0165 sam\u00e9. Tret\u00edm levelom finan\u010dnej gramotnosti det\u00ed je nau\u010di\u0165 ich nielen \u017ee peniaze prich\u00e1dzaj\u00fa, odch\u00e1dzaj\u00fa a \u0161etria sa. Je to aj nau\u010di\u0165 ich, ako si ich zarobi\u0165 pas\u00edvne. Do tejto f\u00e1zy v\u00fdu\u010dby sa deti \u010dasto nedostan\u00fa. Je to ale \u0161koda. Ak die\u0165a zvl\u00e1dne pochopi\u0165 postup pas\u00edvnej gener\u00e1cie pr\u00edmu, je tu ten najvy\u0161\u0161\u00ed predpoklad, \u017ee v dospelosti bude \u00faspe\u0161n\u00fdm a zar\u00e1baj\u00facim jedincom. Nebojte sa deti teda zapoji\u0165 aj do syst\u00e9mu investovania. Na za\u010diatok zvo\u013ete nie\u010do jednoduch\u00e9. Napr\u00edklad investovanie do zlata. Je dostupn\u00e9 aj v ni\u017e\u0161\u00edch finan\u010dn\u00fdch \u010diastkach a die\u0165a ho m\u00f4\u017ee re\u00e1lne dr\u017ea\u0165 v ruk\u00e1ch. Tento syst\u00e9m je teda pre neho \u013eah\u0161ie pochopite\u013en\u00fd.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (19 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00e1 gramotnos\u0165 u det\u00ed","item":"https:\/\/www.dova.sk\/financna-gramotnost-u-deti\/#breadcrumbitem"}]}]