[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.frogu.cz\/bez-pujcky-se-nekdy-neobejdeme\/#Article","mainEntityOfPage":"https:\/\/www.frogu.cz\/bez-pujcky-se-nekdy-neobejdeme\/","headline":"Bez p\u016fj\u010dky se n\u011bkdy neobejdeme","name":"Bez p\u016fj\u010dky se n\u011bkdy neobejdeme","description":"Ned\u00e1 se sice tvrdit, \u017ee by v\u0161echno na sv\u011bt\u011b z\u00e1viselo jenom na pen\u011bz\u00edch a tyto byly pro...","datePublished":"2026-08-05","dateModified":"2026-08-05","author":{"@type":"Person","@id":"https:\/\/www.frogu.cz\/author\/#Person","name":"","url":"https:\/\/www.frogu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"frogu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.frogu.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_10_2.jpg","url":"https:\/\/www.frogu.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.frogu.cz\/bez-pujcky-se-nekdy-neobejdeme\/","wordCount":426,"articleBody":"   Ned\u00e1 se sice tvrdit, \u017ee by v\u0161echno na sv\u011bt\u011b z\u00e1viselo jenom na pen\u011bz\u00edch a tyto byly pro n\u00e1s lidi t\u00edm jedin\u00fdm, co je k \u017eivotu pot\u0159eba, ale rozhodn\u011b jsou tyto n\u00e1ramn\u011b d\u016fle\u017eit\u00e9 a pro kvalitn\u00ed lidskou existenci prakticky nepostradateln\u00e9. I bez pen\u011bz by se sice teoreticky existovat dalo, ale kdekdo z n\u00e1s si to dovede jen st\u011b\u017e\u00ed p\u0159edstavit. Nebo si to rad\u011bji ani p\u0159edstavovat nechce. Nebyla by to toti\u017e ani trochu hezk\u00e1 p\u0159edstava. Kdybychom nem\u011bli pen\u00edze, nem\u011bli bychom to, co se za n\u011b prod\u00e1v\u00e1, nemohli bychom vyu\u017e\u00edvat v\u011bt\u0161inu nab\u00edzej\u00edc\u00edch se slu\u017eeb, a bez toho by se n\u00e1m nevedlo v\u016fbec dob\u0159e. V\u017edy\u0165 se jenom rozhl\u00e9dn\u011bte kolem sebe a zjist\u011bte, co je dostupn\u00e9 i bezplatn\u011b.Tak\u017ee bychom my lid\u00e9 bez pen\u011bz rozhodn\u011b \u017e\u00edt necht\u011bli. Ale osud se n\u00e1s n\u011bkdy nept\u00e1 a uvrhne n\u00e1s do situace, kdy pen\u00edze prost\u011b nem\u00e1me. Nebo jich aspo\u0148 nen\u00ed tolik, kolik bychom jich pot\u0159ebovali. A t\u00edm p\u00e1dem nem\u00e1me to, co bychom ur\u010dit\u011b r\u00e1di m\u011bli. Mus\u00edme se omezovat, a to n\u011bkdy i vysloven\u011b ne\u00fanosn\u011b. Co\u017e se n\u00e1m ale nechce, a proto n\u011bkdy hled\u00e1me zp\u016fsoby, jak nedostatku pen\u011bz uniknout. A kdekoho napadne, \u017ee by si t\u0159eba mohl vz\u00edt p\u016fj\u010dku a t\u00edm sv\u00e9 pot\u00ed\u017ee zvl\u00e1dnout.A pro\u010d by tak\u00e9 ne? P\u016fj\u010dka m\u016f\u017ee b\u00fdt opravdu \u0159e\u0161en\u00edm finan\u010dn\u00edch probl\u00e9m\u016f. M\u016f\u017ee, ale tak\u00e9 nemus\u00ed. A aby \u010dlov\u011bku prosp\u011bla, mus\u00ed b\u00fdt spln\u011bno aspo\u0148 minimum z\u00e1sadn\u00edch v\u011bc\u00ed.\u010clov\u011bk ji mus\u00ed z\u00edskat.Tato mus\u00ed b\u00fdt pro doty\u010dn\u00e9ho zvladateln\u00e1.A m\u011bla by b\u00fdt i co nejv\u00fdhodn\u011bj\u0161\u00ed.Kdy\u017e \u010dlov\u011bk objev\u00ed pr\u00e1v\u011b takovou nab\u00eddku, m\u016f\u017ee si ji vz\u00edt a vyu\u017e\u00edt ji ke zvl\u00e1dnut\u00ed sv\u00fdch do\u010dasn\u011b trvaj\u00edc\u00edch pot\u00ed\u017e\u00ed. A kdy\u017e takovou nenajde? Pak mus\u00ed hledat d\u00e1l, dokud neobjev\u00ed t\u0159eba nebankovn\u00ed hypot\u00e9ku. Kter\u00e1 b\u00fdv\u00e1 pr\u00e1v\u011b takov\u00e1, jak\u00e9 maj\u00ed p\u016fj\u010dky b\u00fdt. Dostupn\u00e1 a v\u00fdhodn\u00e1. A pou\u017eiteln\u00e1 t\u0159eba i jako hypot\u00e9ka na dru\u017estevn\u00ed byt nebankovnihypoteka.cz, co\u017e je docela unikum, proto\u017ee na to by sotva n\u011bkdy n\u011bjak\u00e1 banka pen\u00edze poskytla.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bez p\u016fj\u010dky se n\u011bkdy neobejdeme","item":"https:\/\/www.frogu.cz\/bez-pujcky-se-nekdy-neobejdeme\/#breadcrumbitem"}]}]