{"id":4039,"date":"2021-09-24T09:15:05","date_gmt":"2021-09-24T07:15:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4039"},"modified":"2021-11-09T15:48:55","modified_gmt":"2021-11-09T14:48:55","slug":"10-rad-pre-rodicov-kedy-dat-detom-prve-vreckove-sporiace-prasiatko-alebo-zalozit-ucet","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/10-rad-pre-rodicov-kedy-dat-detom-prve-vreckove-sporiace-prasiatko-alebo-zalozit-ucet\/","title":{"rendered":"10 r\u00e1d pre rodi\u010dov: Kedy da\u0165 de\u0165om prv\u00e9 vreckov\u00e9, sporiace prasiatko alebo zalo\u017ei\u0165 \u00fa\u010det"},"content":{"rendered":"\n

Prv\u00e9 vreckov\u00e9 je ak\u00fdmsi \u00favodn\u00fdm krokom pri budovan\u00ed finan\u010dnej gramotnosti u det\u00ed. Prem\u00fd\u0161\u013eate, kedy va\u0161im ratolestiam za\u010da\u0165 d\u00e1va\u0165 prv\u00e9 peniaze, v akom veku im zalo\u017ei\u0165 sporiace prasiatko a kedy je u\u017e lep\u0161ou alternat\u00edvou detsk\u00fd \u00fa\u010det? Pre\u010d\u00edtajte si 10 praktick\u00fdch r\u00e1d, s ktor\u00fdmi m\u00f4\u017eete za\u010da\u0165 budova\u0165 u det\u00ed spr\u00e1vne finan\u010dn\u00e9 n\u00e1vyky u\u017e od z\u00e1kladnej \u0161koly.\u00a0<\/strong><\/p>\n

1. Kedy za\u010da\u0165 s prv\u00fdm vreckov\u00fdm<\/span><\/h3>\n

Ide\u00e1lny vek na prv\u00e9 vreckov\u00e9 je 6 – 7 rokov<\/strong>, kedy u\u017e deti vedia po\u010d\u00edta\u0165 a okrem prv\u00fdch n\u00e1vykov v r\u00e1mci vytv\u00e1rania finan\u010dnej gramotnosti si m\u00f4\u017eu lep\u0161ie precvi\u010di\u0165 aj matematiku. Z\u00e1rove\u0148 u\u017e v tomto veku za\u010d\u00ednaj\u00fa rozumie\u0165 hodnote pe\u0148az\u00ed. Ch\u00e1pu, \u017ee v obchode sa za n\u00e1kup plat\u00ed, \u010dasto si u\u017e sam\u00e9 vedia k\u00fapi\u0165 keks\u00edk alebo l\u00edzatko. Preto je pr\u00e1ve v tomto obdob\u00ed vhodn\u00e9 za\u010da\u0165 s de\u0165mi hovori\u0165 o peniazoch<\/strong>, vysvetli\u0165 im na \u010do sl\u00fa\u017eia a rovnako aj za\u010da\u0165 s prv\u00fdm vreckov\u00fdm.<\/p>\n

2. Ko\u013eko pe\u0148az\u00ed d\u00e1va\u0165 de\u0165om<\/span><\/h3>\n

V\u00fd\u0161ka vreckov\u00e9ho je va\u0161om zv\u00e1\u017een\u00ed a samozrejme m\u00f4\u017ee by\u0165 individu\u00e1lna. Neodpor\u00fa\u010dam ale d\u00e1va\u0165 de\u0165om zbyto\u010dne vysok\u00e9 sumy, aby si uvedomili, \u017ee ka\u017ed\u00e1 vec nie\u010do stoj\u00ed a v\u00e1\u017eili si hodnotu pe\u0148az\u00ed. Napr\u00edklad vo veku 6 rokov sta\u010d\u00ed da\u0165 die\u0165a\u0165u vreckov\u00e9 5 eur na t\u00fd\u017ede\u0148<\/strong>. Nesk\u00f4r, napr\u00edklad vo veku 10 rokov ke\u010f je die\u0165a samostatnej\u0161ie, m\u00f4\u017ee to by\u0165 aj 10 – 15 eur<\/strong> a stredo\u0161kol\u00e1k m\u00f4\u017ee dost\u00e1va\u0165 vreckov\u00e9 20 – 30 eur.<\/strong><\/p>\n

TIP:<\/span> <\/strong>U\u017e vo veku od 10 rokov<\/strong> toti\u017e m\u00f4\u017eete na deti presun\u00fa\u0165 aj ist\u00e9 povinn\u00e9 v\u00fddavky<\/strong> ako napr\u00edklad peniaze za kr\u00fa\u017eky alebo pom\u00f4cky do \u0161koly, ktor\u00e9 bud\u00fa plati\u0165 zo svojho vreckov\u00e9ho.<\/p>\n

\n

Deti sa tak nau\u010dia, \u017ee existuj\u00fa aj v\u00fddavky, na ktor\u00e9 je potrebn\u00e9 myslie\u0165 a ktor\u00e9 musia uhradi\u0165 bez oh\u013eadu na to, \u010di sa im to p\u00e1\u010di alebo nie.<\/p>\n<\/blockquote>\n

3. Kedy vreckov\u00e9 nav\u00fd\u0161i\u0165 a kedy zn\u00ed\u017ei\u0165<\/span><\/h3>\n

Prv\u00e9 finan\u010dn\u00e9 n\u00e1vyky u det\u00ed je dobr\u00e9 v prv\u00fdch rokoch po\u0148a\u0165 ako z\u00e1bavn\u00fa hru<\/strong>, \u010do deti ur\u010dite ocenia. V ka\u017edej hre v\u0161ak platia pravidl\u00e1, ktor\u00e9 sa neporu\u0161uj\u00fa, preto\u017ee inak by to pokazilo z\u00e1bavu. Preto je napr\u00edklad dobr\u00e9, ak d\u00e1te de\u0165om mo\u017enos\u0165 nav\u00fd\u0161i\u0165 si vreckov\u00e9 ako odmenu za pr\u00e1ce alebo pomoc<\/strong> nad r\u00e1mec svojich be\u017en\u00fdch povinnost\u00ed.<\/p>\n

Naopak, v pr\u00edpade ak sa die\u0165a nespr\u00e1va dostato\u010dne zodpovedne, m\u00e1 zl\u00e9 v\u00fdsledky v \u0161kole alebo zanedb\u00e1va dom\u00e1ce povinnosti, je na mieste vreckov\u00e9 do\u010dasne zn\u00ed\u017ei\u0165<\/strong> a vysvetli\u0165 mu, \u017ee pre z\u00edskanie pln\u00e9ho vreckov\u00e9ho je podmienkou plnenie si be\u017en\u00fdch povinnost\u00ed a takisto slu\u0161n\u00e9 spr\u00e1vanie.\u00a0<\/p>\n

4. Vyhnite sa \u010dastej chybe rodi\u010dov<\/span><\/h3>\n

Najv\u00e4\u010d\u0161ou slabinou pri vreckovom \u017eia\u013e b\u00fdva rodi\u010d, ktor\u00fd sa nad svojim die\u0165a\u0165om „z\u013eutuje“<\/strong> a d\u00e1 mu peniaze navy\u0161e v\u017edy ke\u010f tie svoje die\u0165a minie. T\u00fdmto sp\u00f4sobom v\u0161ak vytv\u00e1rate jeden z najhor\u0161\u00edch n\u00e1vykov<\/strong> – die\u0165a si zvykne na to, \u017ee peniaze m\u00f4\u017ee pokojne min\u00fa\u0165 a ke\u010f bude potrebova\u0165, n\u00e1jde sa niekto, kto mu ich poskytne.<\/p>\n

\n

V dospelosti to m\u00f4\u017ee znamena\u0165, \u017ee finan\u010dn\u00e9 rozhodnutia bud\u00fa vies\u0165 k nezmyseln\u00e9mu zadl\u017eovaniu sa.<\/p>\n<\/blockquote>\n

5. Sporiace prasiatko nie je len na hranie<\/span><\/h3>\n

Aj sporiace prasiatko je dobr\u00e9 zalo\u017ei\u0165 v rovnakom veku ako za\u010d\u00edname budova\u0165 finan\u010dn\u00fa gramotnos\u0165 die\u0165a\u0165a, teda vo veku 6 – 7 rokov. Deti v\u0161ak ur\u010dite musia vedie\u0165, pre\u010do si vlastne sporia.<\/strong> Ide\u00e1lnou motiv\u00e1ciou je, ak si vopred ur\u010dia bud\u00faci cie\u013e, teda \u017ee si napr\u00edklad po nasporen\u00ed 10 eur k\u00fapia hra\u010dku, po ktorej t\u00fa\u017eia a podobne. Prasiatko je praktick\u00e9 najm\u00e4 na za\u010diatku, kedy si deti za\u010dn\u00fa odklada\u0165 drobn\u00e9 sumy.<\/strong><\/p>\n

TIP:<\/span> <\/strong>Tipy a rady ako m\u00f4\u017eete vy sami spori\u0165 va\u0161im de\u0165om, n\u00e1jdete v na\u0161om blogu o sporen\u00ed pre deti.<\/a><\/p>\n

\"Fingo.sk<\/a><\/p>\n

6. Finan\u010dn\u00e9 pravidl\u00e1 ako u \u201cdospel\u00e1kov\u201d\u00a0<\/span><\/h3>\n

Jedna z najlep\u0161\u00edch vec\u00ed, ktor\u00fa m\u00f4\u017eete ako rodi\u010d urobi\u0165, je uplat\u0148ova\u0165 pri v\u00fdchove pravidl\u00e1 be\u017en\u00e9ho \u017eivota \u201cdospel\u00e1kov\u201d. Napr\u00edklad ak die\u0165a peniaze hne\u010f neminie a bude si ich odklada\u0165 do prasiatka, tak by ste ho mohli za jeho zodpovednos\u0165 odmeni\u0165<\/strong> e\u0161te \u0161peci\u00e1lnou odmenou. Alebo si m\u00f4\u017eete od die\u0165a\u0165a na ist\u00e9 obdobie „po\u017ei\u010da\u0165\u201c a vr\u00e1ti\u0165 mu vy\u0161\u0161iu sumu.<\/p>\n

Naopak, pokia\u013e die\u0165a t\u00fa\u017ei po nie\u010dom na \u010do e\u0161te nem\u00e1 nasporen\u00fdch dostatok pe\u0148az\u00ed, m\u00f4\u017eete mu ich po\u017ei\u010da\u0165 s t\u00fdm, \u017ee nesk\u00f4r v\u00e1m bude musie\u0165 vr\u00e1ti\u0165 vy\u0161\u0161iu sumu. S\u00fa to najz\u00e1kladnej\u0161ie \u00fakony finan\u010dn\u00e9ho trhu.\u00a0<\/strong><\/p>\n

7. Kedy zalo\u017ei\u0165 die\u0165a\u0165u \u00fa\u010det<\/span><\/h3>\n

Vo vy\u0161\u0161om veku, pribli\u017ene 10 rokov, u\u017e m\u00f4\u017eete die\u0165a\u0165u zalo\u017ei\u0165 \u00fa\u010det v banke.<\/strong> Je to o dos\u0165 praktickej\u0161ie. Z poh\u013eadu zhodnotenia a \u00farokov v s\u00fa\u010dasnosti neexistuje na trhu \u017eiadny detsk\u00fd \u00fa\u010det<\/a>, kde by malo zmysel die\u0165a\u0165u aj spori\u0165. \u00daroky s\u00fa maxim\u00e1lne na \u00farovni 1 % ro\u010dne, tak\u017ee si pri sum\u00e1ch nieko\u013ek\u00fdch desiatok alebo stoviek eur ro\u010dne sumu, ktor\u00fa v\u00e1m banka prip\u00ed\u0161e na \u00farokoch, ani nev\u0161imnete.<\/p>\n

\n

V\u00fdhoda v\u0161ak spo\u010d\u00edva v tom, \u017ee sa deti nau\u010dia pracova\u0165 s internetbankingom, pr\u00edpadne smartbankingom.<\/strong><\/p>\n<\/blockquote>\n

8. Platobn\u00e1 karta pre star\u0161\u00edch<\/span><\/h3>\n

Rozhodnutie, kedy da\u0165 die\u0165a\u0165u do ruky prv\u00fa platobn\u00fa kartu, je ve\u013emi individu\u00e1lne<\/strong>. Existuj\u00fa deti, ktor\u00e9 u\u017e aj v 7 rokoch vedia by\u0165 dostato\u010dne zodpovedn\u00e9 a z\u00e1rove\u0148 s\u00fa deti, ktor\u00e9 by nemali ma\u0165 vlastn\u00fa kartu ani ke\u010f dov\u0155\u0161ia 15 rokov. Vo v\u00e4\u010d\u0161ine b\u00e1nk existuj\u00fa aj limity, od ak\u00e9ho veku banka vyd\u00e1 die\u0165a\u0165u platobn\u00fa kartu, pri\u010dom naj\u010dastej\u0161ie je to od 8 rokov.<\/strong> Ur\u010dite je ale vhodn\u00e9, aby si deti postupne zvykli vyu\u017e\u00edva\u0165 platobn\u00fa kartu.<\/p>\n

TIP:<\/strong> <\/span>M\u00e1 to aj svoje v\u00fdhody, lebo na karte s\u00fa peniaze viac v bezpe\u010d\u00ed.<\/strong> Pokia\u013e kartu stratia a napr\u00edklad nemaj\u00fa aktivovan\u00e9 bezkontaktn\u00e9 platby, tak sa ni\u010d nedeje. Keby v\u0161ak stratili peniaze v hotovosti, v\u00e4\u010d\u0161inou o ne hne\u010f pr\u00eddu.<\/span><\/p>\n

\"sporenie<\/p>\n

9. Nechajte deti rozhodova\u0165<\/span><\/h3>\n

Je d\u00f4le\u017eit\u00e9, aby ste sa de\u0165om sna\u017eili dobre poradi\u0165, ale z\u00e1rove\u0148 ich vlastn\u00e9 rozhodnutia akceptovali.<\/strong> Ak sa napr\u00edklad rozhodn\u00fa, \u017ee si nie\u010do k\u00fapia, je jedno, ako ve\u013emi sa v\u00e1m to bude zda\u0165 nezmyseln\u00e9. Je to jednoducho ich rozhodnutie. Ak by ste o ich \u00faspor\u00e1ch rozhodovali vy, bolo by to cel\u00e9 zbyto\u010dn\u00e9. Cie\u013eom je necha\u0165 deti nies\u0165 zodpovednos\u0165<\/strong> za svoje rozhodnutia. Ve\u013emi r\u00fdchlo pr\u00eddu situ\u00e1cie, kedy min\u00fa svoje \u00faspory na nezmyseln\u00fa hra\u010dku alebo sladkosti a nesk\u00f4r nebud\u00fa ma\u0165 peniaze na to, aby mohli \u00eds\u0165 napr\u00edklad s kamar\u00e1tmi na v\u00fdlet.<\/p>\n

\n

Pr\u00e1ve tento moment je d\u00f4le\u017eit\u00fd a hoci to znie ve\u013emi pr\u00edsne, deti musia nies\u0165 za svoje finan\u010dn\u00e9 rozhodnutia n\u00e1sledky. Toto s\u00fa pr\u00e1ve tie momenty, ktor\u00e9 vytv\u00e1raj\u00fa spr\u00e1vne finan\u010dn\u00e9 n\u00e1vyky.<\/p>\n<\/blockquote>\n

10. \u010co by mal vedie\u0165 \u0161kol\u00e1k a \u010do stredo\u0161kol\u00e1k<\/span><\/h3>\n

\u0160kol\u00e1ci by mali rozumie\u0165 hlavne z\u00e1kladn\u00fdm pravidl\u00e1m, a to sporeniu a p\u00f4\u017ei\u010dk\u00e1m.<\/strong> Pokia\u013e pochopia tento princ\u00edp a nau\u010dia sa zodpovednosti \u0161etrenia a tvorby finan\u010dnej rezervy<\/a> na nepredv\u00eddate\u013en\u00e9 udalosti, je to to najd\u00f4le\u017eitej\u0161ie, \u010do bud\u00fa nesk\u00f4r v \u017eivote potrebova\u0165 vedie\u0165. Na strednej \u0161kole je vhodn\u00e9 za\u010da\u0165 rie\u0161i\u0165 aj zlo\u017eitej\u0161ie t\u00e9my ako je investovanie<\/strong> alebo pr\u00edprava na ot\u00e1zku b\u00fdvania.<\/p>\n

D\u00f4le\u017eit\u00e9 obdobie v\u0161ak prich\u00e1dza a\u017e v \u010dase, ke\u010f mlad\u00ed skon\u010dia stredn\u00fa \u0161kolu. Musia za\u010da\u0165 fungova\u0165 samostatnej\u0161ie,<\/strong> potrebuj\u00fa rie\u0161i\u0165 financovanie vysokej \u0161koly, pr\u00edpadne vlastn\u00e9ho b\u00fdvania, mnoh\u00ed u\u017e za\u010d\u00ednaj\u00fa zar\u00e1ba\u0165.<\/a><\/p>\n

\n

V tomto momente m\u00f4\u017eete de\u0165om najviac pom\u00f4c\u0165 dobr\u00fdmi radami a vysvetli\u0165 im ak\u00e9 maj\u00fa mo\u017enosti. Pr\u00edpadne im odporu\u010di\u0165, aby si na\u0161li kvalitn\u00e9ho odborn\u00edka v oblasti financi\u00ed<\/a>, s ktor\u00fdm bud\u00fa tieto t\u00e9my rie\u0161i\u0165.<\/p>\n<\/blockquote>\n

TIP:<\/strong> <\/span>Ak sa chcete poradi\u0165 aj oh\u013eadom sporenia alebo \u017eivotn\u00e9ho poistenia<\/a> pre deti, zavolajte n\u00e1m do FinGO.sk na 0800 60 10 60.<\/strong><\/a> Spoj\u00edme v\u00e1s s na\u0161imi sk\u00fasen\u00fdmi finan\u010dn\u00fdmi sprostredkovate\u013emi, ktor\u00fdch m\u00e1me vo v\u0161etk\u00fdch 79 okresoch Slovenska.<\/p>\n

Alebo n\u00e1m zanechajte kontakt vo formul\u00e1ri ni\u017e\u0161ie<\/strong> a my sa v\u00e1m ozveme.<\/p>\n

\n

\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Prv\u00e9 vreckov\u00e9 je ak\u00fdmsi \u00favodn\u00fdm krokom pri budovan\u00ed finan\u010dnej gramotnosti u det\u00ed. Prem\u00fd\u0161\u013eate, kedy va\u0161im ratolestiam za\u010da\u0165 d\u00e1va\u0165 prv\u00e9 peniaze, v akom veku im zalo\u017ei\u0165 sporiace prasiatko a kedy je u\u017e lep\u0161ou alternat\u00edvou detsk\u00fd \u00fa\u010det? Pre\u010d\u00edtajte si 10 praktick\u00fdch r\u00e1d, s ktor\u00fdmi m\u00f4\u017eete za\u010da\u0165 budova\u0165 u det\u00ed spr\u00e1vne finan\u010dn\u00e9 n\u00e1vyky u\u017e od z\u00e1kladnej \u0161koly.\u00a0 1. Kedy za\u010da\u0165 s prv\u00fdm vreckov\u00fdm Ide\u00e1lny vek na prv\u00e9 vreckov\u00e9 je 6 – 7 rokov, kedy u\u017e deti vedia po\u010d\u00edta\u0165 a okrem prv\u00fdch n\u00e1vykov v r\u00e1mci vytv\u00e1rania finan\u010dnej gramotnosti si m\u00f4\u017eu lep\u0161ie precvi\u010di\u0165 aj matematiku. Z\u00e1rove\u0148 u\u017e v tomto veku za\u010d\u00ednaj\u00fa rozumie\u0165 hodnote pe\u0148az\u00ed. Ch\u00e1pu, \u017ee v obchode sa za n\u00e1kup plat\u00ed, \u010dasto si u\u017e sam\u00e9 vedia k\u00fapi\u0165 keks\u00edk alebo l\u00edzatko. Preto je pr\u00e1ve v tomto obdob\u00ed vhodn\u00e9 za\u010da\u0165 s de\u0165mi hovori\u0165 o peniazoch, vysvetli\u0165 im na \u010do sl\u00fa\u017eia a rovnako aj za\u010da\u0165 s prv\u00fdm vreckov\u00fdm. 2. Ko\u013eko pe\u0148az\u00ed d\u00e1va\u0165 de\u0165om V\u00fd\u0161ka vreckov\u00e9ho je va\u0161om zv\u00e1\u017een\u00ed a samozrejme m\u00f4\u017ee by\u0165 individu\u00e1lna. Neodpor\u00fa\u010dam ale d\u00e1va\u0165 de\u0165om zbyto\u010dne vysok\u00e9 sumy, aby si uvedomili, \u017ee ka\u017ed\u00e1 vec nie\u010do stoj\u00ed a v\u00e1\u017eili si hodnotu pe\u0148az\u00ed. Napr\u00edklad vo veku 6 rokov sta\u010d\u00ed da\u0165 die\u0165a\u0165u vreckov\u00e9 5 eur na t\u00fd\u017ede\u0148. Nesk\u00f4r, napr\u00edklad vo veku 10 rokov ke\u010f je die\u0165a samostatnej\u0161ie, m\u00f4\u017ee […]<\/p>\n","protected":false},"author":28,"featured_media":4044,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[239,240,232,160,238],"yoast_head":"\n10 r\u00e1d pre rodi\u010dov: Kedy da\u0165 de\u0165om prv\u00e9 vreckov\u00e9, sporiace prasiatko alebo zalo\u017ei\u0165 \u00fa\u010det - FinGO.sk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/10-rad-pre-rodicov-kedy-dat-detom-prve-vreckove-sporiace-prasiatko-alebo-zalozit-ucet\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 r\u00e1d pre rodi\u010dov: Kedy da\u0165 de\u0165om prv\u00e9 vreckov\u00e9, sporiace prasiatko alebo zalo\u017ei\u0165 \u00fa\u010det - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Prv\u00e9 vreckov\u00e9 je ak\u00fdmsi \u00favodn\u00fdm krokom pri budovan\u00ed finan\u010dnej gramotnosti u det\u00ed. 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