[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.candid.cz\/dluhova-spirala\/#Article","mainEntityOfPage":"https:\/\/www.candid.cz\/dluhova-spirala\/","headline":"Dluhov\u00e1 spir\u00e1la","name":"Dluhov\u00e1 spir\u00e1la","description":"Ne\u017e se dostaneme k\u00a0vysv\u011btlen\u00ed pr\u00e1v\u011b tohoto pojmu, mus\u00edme si \u0159\u00edct, co k\u00a0n\u011bmu vede. Je to nez\u0159\u00edzen\u00e9 p\u016fj\u010dov\u00e1n\u00ed \u010di dokonce osobn\u00ed \u010dest. Najednou nezvl\u00e1d\u00e1te spl\u00e1cet a p\u0159em\u00fd\u0161l\u00edte, jak z\u00a0toho. Ob\u010das V\u00e1m pomohou p\u0159\u00edbuzn\u00ed \u010di p\u0159\u00e1tel\u00e9, jindy s\u00e1hnete po mo\u017enosti prodeje sv\u00fdch v\u011bc\u00ed. Nejv\u00edce nebezpe\u010dn\u00e9 je v\u0161ak p\u016fj\u010dovat si na spl\u00e1tku dluhu","datePublished":"2019-09-10","dateModified":"2019-09-10","author":{"@type":"Person","@id":"https:\/\/www.candid.cz\/author\/#Person","name":"","url":"https:\/\/www.candid.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2a487990a452554e9d027cbab96c6e6e6d3b119f22a2b3fb9e2bcb7e021cd643?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"candid.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.candid.cz\/wp-content\/uploads\/img_a354133_w3322_t1568554645.jpg","url":"https:\/\/www.candid.cz\/wp-content\/uploads\/img_a354133_w3322_t1568554645.jpg","height":0,"width":0},"url":"https:\/\/www.candid.cz\/dluhova-spirala\/","about":["Finance"],"wordCount":439,"articleBody":"Ne\u017e se dostaneme k\u00a0vysv\u011btlen\u00ed pr\u00e1v\u011b tohoto pojmu, mus\u00edme si \u0159\u00edct, co k\u00a0n\u011bmu vede. Je to nez\u0159\u00edzen\u00e9 p\u016fj\u010dov\u00e1n\u00ed \u010di dokonce osobn\u00ed \u010dest. Najednou nezvl\u00e1d\u00e1te spl\u00e1cet a p\u0159em\u00fd\u0161l\u00edte, jak z\u00a0toho. Ob\u010das V\u00e1m pomohou p\u0159\u00edbuzn\u00ed \u010di p\u0159\u00e1tel\u00e9, jindy s\u00e1hnete po mo\u017enosti prodeje sv\u00fdch v\u011bc\u00ed.Nejv\u00edce nebezpe\u010dn\u00e9 je v\u0161ak p\u016fj\u010dovat si na spl\u00e1tku dluhu s\u00a0t\u00edm, \u017ee jeden kon\u010d\u00edc\u00ed zaplat\u00edte a na druh\u00fd bude dostatek \u010dasu. Nev\u011b\u0159te tomu. Ze za\u010d\u00e1tku to bude fungovat, jak si p\u0159edstavujete, a Vy p\u0159estanete b\u00fdt obez\u0159etn\u00ed. P\u016fj\u010d\u00edte si dal\u0161\u00ed pen\u00edze, zadlu\u017e\u00edte se je\u0161t\u011b v\u00edc. Ve chv\u00edli, kdy nastane probl\u00e9m, s\u00e1hnete op\u011bt po \u0159e\u0161en\u00ed vytlouk\u00e1n\u00ed zadlu\u017een\u00ed dal\u0161\u00ed p\u016fj\u010dkou.A nyn\u00ed p\u0159\u00edmo k\u00a0pojmu dluhov\u00e1 spir\u00e1la. P\u0159edstavte si, \u017ee se jedn\u00e1 o n\u011bco jako vzdu\u0161n\u00fd v\u00edr. Na vrcholku m\u00e1 \u0161irokou oblast, kde nen\u00ed zase tak nebezpe\u010dno. Ale sm\u011brem dol\u016f se zu\u017euje a st\u00e1v\u00e1 se skute\u010dn\u011b vra\u017eedn\u00fdm nebezpe\u010d\u00edm. Takto se to pohybuje i ve sv\u011bt\u011b financ\u00ed. Jen s\u00a0t\u00edm rozd\u00edlem, \u017ee dokud nejste na dn\u011b, mnohdy nevid\u00edte tu zhoubu, kter\u00e1 tam \u010d\u00edh\u00e1.V\u0161e za\u010d\u00edn\u00e1 prvn\u00edm dluhem. Pak p\u0159ijde dal\u0161\u00ed p\u016fj\u010dka, abyste pokryli tu prvn\u00ed. A takto pokra\u010dujete. Po\u0159\u00e1d spl\u00e1c\u00edte, ale \u010d\u00e1stka, kterou je\u0161t\u011b platit m\u00e1te, st\u00e1le nar\u016fst\u00e1. A to je ono. Nem\u00e1te zp\u016fsob, jak se z\u00a0toho dostat. Jen budete navy\u0161ovat sv\u00e9 probl\u00e9my, a\u017e to v\u0161echno praskne a z\u00e1bava skon\u010d\u00ed. P\u0159i nejlep\u0161\u00edm jen exekucemi, p\u0159i nejhor\u0161\u00edm a\u017e tak, \u017ee se to odraz\u00ed na Va\u0161em zdrav\u00ed. V\u00a0tu chv\u00edli se v\u00a0dluhov\u00e9 spir\u00e1le nach\u00e1z\u00edte u\u017e rovnou dole. V\u00a0m\u00edst\u011b, kde V\u00e1s ka\u017ed\u00e1 dal\u0161\u00ed drobnost dok\u00e1\u017ee rozdrtit.Jak se z\u00a0n\u00ed dostat? Velice t\u011b\u017eko. V\u00fdchodiskem je exekuce \u010di insolvence. Ale i to znamen\u00e1, \u017ee budete \u017e\u00edt dlouhou dobu za minimum. A je to \u017eivot, kdy\u017e si nem\u016f\u017eete nic koupit a nic nena\u0161et\u0159\u00edte? P\u016fj\u010dovat si d\u00e1l? Mo\u017en\u00e1 u pochybn\u00fdch instituc\u00ed a lichv\u00e1\u0159\u016f. Nikde jinde nem\u00e1te \u0161anci.D\u00e1vejte si tedy pozor, abyste neza\u010dali rotovat v\u00a0onom vra\u017eedn\u00e9m v\u00edru, kter\u00fd V\u00e1s d\u0159\u00edve \u010di pozd\u011bji st\u00e1hne a\u017e na dno.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dluhov\u00e1 spir\u00e1la","item":"https:\/\/www.candid.cz\/dluhova-spirala\/#breadcrumbitem"}]}]