{"id":863,"date":"2022-05-19T14:40:42","date_gmt":"2022-05-19T12:40:42","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=863"},"modified":"2025-03-26T15:14:25","modified_gmt":"2025-03-26T14:14:25","slug":"5-veci-ktere-byste-nemeli-delat-behem-recese","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/cs\/rada-2\/5-veci-ktere-byste-nemeli-delat-behem-recese\/","title":{"rendered":"5 v\u011bc\u00ed, kter\u00e9 ned\u011blat v recesi"},"content":{"rendered":"

Neztr\u00e1cejte ze z\u0159etele sv\u00e9 \u017eivotn\u00ed c\u00edle. Recese m\u016f\u017ee b\u00fdt stresuj\u00edc\u00ed obdob\u00ed. Je d\u016fle\u017eit\u00e9 m\u00edt na pam\u011bti sv\u00e9 dlouhodob\u00e9 c\u00edle. \u010ceho chcete dos\u00e1hnout v p\u0159\u00ed\u0161t\u00edch 5, 10 nebo 20 letech? Soust\u0159e\u010fte se na sv\u00e9 c\u00edle a nenechte se kr\u00e1tkodob\u00fdm ne\u00fasp\u011bchem vykolejit z va\u0161ich pl\u00e1n\u016f.<\/strong><\/p>\n\n\n\n

Uvedli jsme n\u011bkter\u00e1 finan\u010dn\u00ed rizika, kter\u00e1 byste se m\u011bli vyvarovat b\u011bhem hospod\u00e1\u0159sk\u00e9ho poklesu. Zde jsou :<\/p>\n\n\n\n

1- Nepodepisujte hypot\u00e9ku s nastavitelnou sazbou<\/strong><\/p>\n\n\n\n

U hypot\u00e9ky s variabiln\u00ed sazbou nen\u00ed poskytnut\u00e1 \u00farokov\u00e1 sazba pevn\u00e1. Pravideln\u011b se upravuje podle tr\u017en\u00edch sazeb. V d\u016fsledku toho by se v\u00fd\u0161e va\u0161ich m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek mohla sn\u00ed\u017eit, ale tak\u00e9 zv\u00fd\u0161it.<\/p>\n\n\n\n

Zv\u00fd\u0161en\u00ed va\u0161ich m\u011bs\u00ed\u010dn\u00edch plateb b\u011bhem recese v\u0161ak m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 pro rozpo\u010det. S hypot\u00e9kou s prom\u011bnlivou sazbou a zv\u00fd\u0161en\u00edm m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek byste ji\u017e nebyli schopni spl\u00e1cet, pokud mus\u00edte \u010delit finan\u010dn\u00edm pot\u00ed\u017e\u00edm nebo nap\u0159\u00edklad ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed.<\/p>\n\n\n\n

2- Ned\u011blejte velk\u00e9 n\u00e1kupy a nep\u0159est\u00e1vejte \u0161et\u0159it<\/strong><\/p>\n\n\n\n

Zva\u017ete velk\u00e9 n\u00e1kupy \u010dehokoli nad m\u011bs\u00ed\u010dn\u00ed plat, kter\u00fd byste norm\u00e1ln\u011b financovali nebo zaplatili kreditn\u00ed kartou. B\u011bhem recese je nejlep\u0161\u00ed se velk\u00fdm n\u00e1kup\u016fm vyhnout, abyste se nezadlu\u017eili.<\/p>\n\n\n\n

Nep\u0159est\u00e1vejte \u0161et\u0159it. M\u016f\u017eete b\u00fdt v poku\u0161en\u00ed p\u0159estat \u0161et\u0159it b\u011bhem recese, ale to by byla chyba. Nouzov\u00fd fond je nezbytn\u00fd pro p\u0159ekon\u00e1n\u00ed jak\u00fdchkoli finan\u010dn\u00edch pot\u00ed\u017e\u00ed, kter\u00e9 mohou nastat. Zkuste sv\u00e9 \u00faspory automatizovat, abyste na n\u011b nemuseli myslet v t\u011b\u017ek\u00fdch \u010dasech.<\/p>\n\n\n\n

3- Nesmlouvejte \u017e\u00e1dn\u00fd nov\u00fd dluh<\/strong><\/p>\n\n\n\n

Pokud m\u016f\u017eete, vyhn\u011bte se p\u0159ij\u00edm\u00e1n\u00ed nov\u00fdch dluh\u016f b\u011bhem hospod\u00e1\u0159sk\u00e9ho poklesu. Nevstupujte do nov\u00e9 p\u016fj\u010dky na auto nebo osobn\u00ed p\u016fj\u010dky. M\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 prov\u00e1d\u011bt m\u011bs\u00ed\u010dn\u00ed platby, pokud v\u00e1\u0161 p\u0159\u00edjem kles\u00e1 s inflac\u00ed.<\/p>\n\n\n\n

Pokud jste ji\u017e zadlu\u017eeni, je lep\u0161\u00ed b\u011bhem recese dal\u0161\u00ed dluh nep\u0159id\u00e1vat. Pou\u017e\u00edvejte sv\u00e9 kreditn\u00ed karty st\u0159\u00eddm\u011b a pouze na nezbytn\u00e9 n\u00e1kupy. A pokud m\u016f\u017eete, zkuste ka\u017ed\u00fd m\u011bs\u00edc spl\u00e1cet v\u00edce, ne\u017e je minim\u00e1ln\u00ed spl\u00e1tka, abyste sn\u00ed\u017eili sv\u00e9 dluhov\u00e9 zat\u00ed\u017een\u00ed.<\/p>\n\n\n\n

4- Neopou\u0161t\u011bjte svou pr\u00e1ci<\/strong><\/p>\n\n\n\n

I kdy\u017e nejste se svou prac\u00ed spokojeni, je d\u016fle\u017eit\u00e9 vydr\u017eet b\u011bhem recese. Ztr\u00e1ta zam\u011bstn\u00e1n\u00ed by toti\u017e znamenala ztr\u00e1tu p\u0159\u00edjmu, co\u017e by mohlo zt\u00ed\u017eit placen\u00ed \u00fa\u010dt\u016f a pln\u011bn\u00ed finan\u010dn\u00edch z\u00e1vazk\u016f.<\/p>\n\n\n\n

Ned\u011blejte un\u00e1hlen\u00e1 rozhodnut\u00ed. Recese m\u016f\u017ee b\u00fdt stresuj\u00edc\u00ed obdob\u00ed. O to d\u016fle\u017eit\u011bj\u0161\u00ed je pe\u010dliv\u011b p\u0159em\u00fd\u0161let, ne\u017e u\u010din\u00edte d\u016fle\u017eit\u00e1 rozhodnut\u00ed. Ve zp\u011btn\u00e9m pohledu budete r\u00e1di, \u017ee jste si na\u0161li \u010das na rozmy\u0161lenou.<\/p>\n\n\n\n

5- Nesahejte do sv\u00fdch penzijn\u00edch \u00faspor<\/strong><\/p>\n\n\n\n

Odchod do d\u016fchodu se m\u016f\u017ee zd\u00e1t daleko. Je d\u016fle\u017eit\u00e9 m\u00edt to na pam\u011bti b\u011bhem recese. Nezapome\u0148te p\u0159isp\u00edvat d\u00e1l, abyste si pozd\u011bji mohli u\u017e\u00edvat pohodln\u00fd d\u016fchod.<\/p>\n\n\n\n

M\u00e1te-li penzijn\u00ed spo\u0159en\u00ed, odolejte v dob\u011b recese poku\u0161en\u00ed s\u00e1hnout si na n\u011bj. Ve skute\u010dnosti by to nejen sn\u00ed\u017eilo va\u0161e \u00faspory, ale mohlo by to v\u00e9st i k dan\u00edm a sankc\u00edm.<\/p>\n\n\n\n

Neopou\u0161t\u011bjte. Recese m\u016f\u017ee b\u00fdt t\u011b\u017ek\u00e1, ale je d\u016fle\u017eit\u00e9 z\u016fstat pozitivn\u00ed a pamatovat si, \u017ee nebude trvat v\u011b\u010dn\u011b. V\u011bci se nakonec v\u017edycky zlep\u0161\u00ed. Jakmile p\u0159ekon\u00e1te tento miln\u00edk, budete zp\u011bt na cest\u011b k dosa\u017een\u00ed sv\u00fdch finan\u010dn\u00edch c\u00edl\u016f.<\/p>\n\n\n\n

Od roku 1993 INTERNATIONAL RECOVER COMPANY\u00ae podporuje spole\u010dnosti p\u0159i vym\u00e1h\u00e1n\u00ed jejich nezaplacen\u00fdch \u00fa\u010dt\u016f.<\/strong><\/p>\n\n\n\n

Neplat\u00edte sv\u00e9 \u00fa\u010dty v\u010das a chcete rychle zlep\u0161it sv\u016fj pen\u011b\u017en\u00ed tok, abyste \u010delili tomuto obdob\u00ed recese? Kontaktujte n\u00e1s!<\/p>\n\n\n\n

Dostali jste se do finan\u010dn\u00edch pot\u00ed\u017e\u00ed a nest\u00edh\u00e1te platit sv\u00e9 \u00fa\u010dty? Obra\u0165te se co nejd\u0159\u00edve na sv\u00e9 dodavatele nebo jejich inkasn\u00ed zprost\u0159edkovatele, abyste nastavili platebn\u00ed pl\u00e1ny p\u0159izp\u016fsoben\u00e9 va\u0161\u00ed situaci.<\/p>","protected":false},"excerpt":{"rendered":"

Recese m\u016f\u017ee b\u00fdt stresuj\u00edc\u00ed obdob\u00ed. Je d\u016fle\u017eit\u00e9 m\u00edt na pam\u011bti sv\u00e9 dlouhodob\u00e9 c\u00edle. Uvedli jsme n\u011bkter\u00e1 finan\u010dn\u00ed rizika, kter\u00e1 byste se m\u011bli vyvarovat b\u011bhem hospod\u00e1\u0159sk\u00e9ho poklesu.<\/p>","protected":false},"author":1,"featured_media":865,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,7],"tags":[],"class_list":["post-863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clients","category-debiteurs"],"yoast_head":"\n5 choses \u00e0 ne pas faire en p\u00e9riode de r\u00e9cession - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"En p\u00e9riode de r\u00e9cession, certaines erreurs fragilisent votre situation. 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