{"id":1111,"date":"2026-09-06T15:53:24","date_gmt":"2026-09-06T13:53:24","guid":{"rendered":"https:\/\/simkovamartina.cz\/?page_id=1111"},"modified":"2026-09-06T15:56:04","modified_gmt":"2026-09-06T13:56:04","slug":"instagram","status":"publish","type":"page","link":"https:\/\/simkovamartina.cz\/?page_id=1111","title":{"rendered":"Instagram"},"content":{"rendered":"\n<div id=\"sb_instagram\" role=\"region\" aria-label=\"Instagram feed\"  class=\"sbi sbi_mob_col_1 sbi_tab_col_2 sbi_col_4 sbi_width_resp\" style=\"padding-bottom: 10px;\"\t data-feedid=\"*1\"  data-res=\"auto\" data-cols=\"4\" data-colsmobile=\"1\" data-colstablet=\"2\" data-num=\"20\" data-nummobile=\"20\" data-item-padding=\"5\"\t data-shortcode-atts=\"{&quot;feed&quot;:&quot;1&quot;}\"  data-postid=\"1111\" data-locatornonce=\"d6dbc21ef04dd04615ecacb2758ae344808399789560671f524e587bb23b2498\" data-imageaspectratio=\"1:1\" data-sbi-flags=\"favorLocal\">\n\t<div class=\"sb_instagram_header  sbi_medium\"   >\n\t<a 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class=\"sbi-screenreader\">Mo\u017en\u00e1 jste pr\u00e1v\u011b na\u0161li svou lektorku finan\u010dn\u00ed gram<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Mo\u017en\u00e1 jste pr\u00e1v\u011b na\u0161li svou lektorku finan\u010dn\u00ed gramotnosti\ud83d\udcb0\u2728\n\nKrom\u011b individu\u00e1ln\u00edho poradenstv\u00ed se v\u011bnuji tak\u00e9 \u0161kolen\u00ed t\u00fdm\u016f, jednotlivc\u016f a vzd\u011bl\u00e1v\u00e1n\u00ed v oblasti finan\u010dn\u00ed gramotnosti. V posledn\u00ed dob\u011b jsem m\u011bla mo\u017enost b\u00fdt pozv\u00e1na tak\u00e9 na setk\u00e1n\u00ed na st\u0159edn\u00edch \u0161kol\u00e1ch, kde jsme se s mlad\u00fdmi lidmi bavili nap\u0159\u00edklad o prevenci ve financ\u00edch, zodpov\u011bdn\u00e9m rozhodov\u00e1n\u00ed, pr\u00e1ci s pen\u011bzi a o tom, jak se vyhnout zbyte\u010dn\u00fdm finan\u010dn\u00edm probl\u00e9m\u016fm.\n\nM\u00e1m velkou radost, \u017ee mohu p\u0159ed\u00e1vat sv\u00e9 zku\u0161enosti, kter\u00e9 jsem za v\u00edce ne\u017e 30 let ve sv\u011bt\u011b financ\u00ed z\u00edskala, a pom\u00e1hat mlad\u00fdm lidem l\u00e9pe se ve sv\u011bt\u011b financ\u00ed zorientovat. Proto\u017ee \u010d\u00edm d\u0159\u00edve \u010dlov\u011bk za\u010dne sv\u00fdm financ\u00edm rozum\u011bt, t\u00edm v\u011bt\u0161\u00ed klid a jistotu mu mohou do \u017eivota p\u0159in\u00e9st \u2600\ufe0f\n\nV\u011b\u0159\u00edm, \u017ee finan\u010dn\u00ed gramotnost by nem\u011bla b\u00fdt jen n\u011bco, o \u010dem se mluv\u00ed, ale p\u0159edev\u0161\u00edm praktick\u00e1 dovednost, kterou dok\u00e1\u017eeme vyu\u017e\u00edt v ka\u017edodenn\u00edm \u017eivot\u011b.\n\nPokud byste i vy pro svou \u0161kolu, t\u00fdm, firmu nebo skupinu cht\u011bli zajistit praktick\u00e9 a srozumiteln\u00e9 \u0161kolen\u00ed finan\u010dn\u00ed gramotnosti, r\u00e1da se s v\u00e1mi spoj\u00edm a spole\u010dn\u011b vymysl\u00edme t\u00e9ma i formu, kter\u00e1 bude d\u00e1vat smysl pr\u00e1v\u011b v\u00e1m.\n\n\ud83d\udce9 Sta\u010d\u00ed mi napsat zpr\u00e1vu @financesimkovamartina \n\n#financnigramotnost #vzdelavani #finance #financniplanovani #prevencevefinancich\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18476450707129398\" data-date=\"1787918718\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DclTM4csct3\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/787357393_18015262778941666_3388801446306311566_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=105&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=9I-rGGGTN-AQ7kNvwFQg1qf&#038;_nc_oc=AdqIxpbc_F4apfPKi4q0-IW_QWMFblfKI223DwQbFfbUoVchV0oXBjZYoY-KFG3boQhVrkH25STU8zQjrHt2wZ3P&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQKKirAAvsiApD18Rn-qI6szB-J_mpeUKFP2Ofj537aCnMNVyGm_jlielM5sArMNoqyJpvHMD9bpXA&#038;oh=00_AQNeZ2szFfFHHASNBMpk1mChMjgriEg1pO4FTzjf8qs-HA&#038;oe=6AD3F1D2\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/787357393_18015262778941666_3388801446306311566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=9I-rGGGTN-AQ7kNvwFQg1qf&amp;_nc_oc=AdqIxpbc_F4apfPKi4q0-IW_QWMFblfKI223DwQbFfbUoVchV0oXBjZYoY-KFG3boQhVrkH25STU8zQjrHt2wZ3P&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKKirAAvsiApD18Rn-qI6szB-J_mpeUKFP2Ofj537aCnMNVyGm_jlielM5sArMNoqyJpvHMD9bpXA&amp;oh=00_AQNeZ2szFfFHHASNBMpk1mChMjgriEg1pO4FTzjf8qs-HA&amp;oe=6AD3F1D2&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/787357393_18015262778941666_3388801446306311566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=9I-rGGGTN-AQ7kNvwFQg1qf&amp;_nc_oc=AdqIxpbc_F4apfPKi4q0-IW_QWMFblfKI223DwQbFfbUoVchV0oXBjZYoY-KFG3boQhVrkH25STU8zQjrHt2wZ3P&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKKirAAvsiApD18Rn-qI6szB-J_mpeUKFP2Ofj537aCnMNVyGm_jlielM5sArMNoqyJpvHMD9bpXA&amp;oh=00_AQNeZ2szFfFHHASNBMpk1mChMjgriEg1pO4FTzjf8qs-HA&amp;oe=6AD3F1D2&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/787357393_18015262778941666_3388801446306311566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=9I-rGGGTN-AQ7kNvwFQg1qf&amp;_nc_oc=AdqIxpbc_F4apfPKi4q0-IW_QWMFblfKI223DwQbFfbUoVchV0oXBjZYoY-KFG3boQhVrkH25STU8zQjrHt2wZ3P&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKKirAAvsiApD18Rn-qI6szB-J_mpeUKFP2Ofj537aCnMNVyGm_jlielM5sArMNoqyJpvHMD9bpXA&amp;oh=00_AQNeZ2szFfFHHASNBMpk1mChMjgriEg1pO4FTzjf8qs-HA&amp;oe=6AD3F1D2&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/787357393_18015262778941666_3388801446306311566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=9I-rGGGTN-AQ7kNvwFQg1qf&amp;_nc_oc=AdqIxpbc_F4apfPKi4q0-IW_QWMFblfKI223DwQbFfbUoVchV0oXBjZYoY-KFG3boQhVrkH25STU8zQjrHt2wZ3P&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKKirAAvsiApD18Rn-qI6szB-J_mpeUKFP2Ofj537aCnMNVyGm_jlielM5sArMNoqyJpvHMD9bpXA&amp;oh=00_AQNeZ2szFfFHHASNBMpk1mChMjgriEg1pO4FTzjf8qs-HA&amp;oe=6AD3F1D2&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Jsem Martina \u0160imkov\u00e1 - va\u0161e pr\u016fvodkyn\u011b sv\u011btem fina<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Jsem Martina \u0160imkov\u00e1 - va\u0161e pr\u016fvodkyn\u011b sv\u011btem financ\u00ed a hypot\u00e9k\ud83d\udcb0\n\nVe sv\u011bt\u011b financ\u00ed se pohybuji u\u017e 30 let, z toho se 15 let v\u011bnuji hypote\u010dn\u00edmu poradenstv\u00ed. Moje pr\u00e1ce nen\u00ed jen o \u010d\u00edslech, \u00faroc\u00edch a smlouv\u00e1ch. P\u0159edev\u0161\u00edm naslouch\u00e1m tomu, co pot\u0159ebujete, pod\u00edv\u00e1m se na va\u0161i situaci a spole\u010dn\u011b hled\u00e1me \u0159e\u0161en\u00ed, kter\u00e9 bude d\u00e1vat smysl pr\u00e1v\u011b v\u00e1m. Porovn\u00e1v\u00e1m nab\u00eddky bank, pom\u00e1h\u00e1m s v\u00fdb\u011brem hypot\u00e9ky a prov\u00e1z\u00edm v\u00e1s cel\u00fdm procesem.\n\nZ\u00e1le\u017e\u00ed mi tak\u00e9 na vzd\u011bl\u00e1v\u00e1n\u00ed a finan\u010dn\u00ed gramotnosti. R\u00e1da sv\u00e9 klienty i dal\u0161\u00ed z\u00e1jemce \u0161kol\u00edm a srozumiteln\u011b jim vysv\u011btluji, jak se ve sv\u011bt\u011b financ\u00ed orientovat a d\u011blat spr\u00e1vn\u00e1 rozhodnut\u00ed.\n\n\ud83d\udcac M\u00fdm c\u00edlem nen\u00ed rozhodovat za v\u00e1s, ale b\u00fdt va\u0161\u00edm partnerem, kter\u00fd v\u00e1m pom\u016f\u017ee naj\u00edt spr\u00e1vnou cestu.\n\nV\u011b\u0159\u00edm v d\u016fv\u011bru, osobn\u00ed p\u0159\u00edstup a dlouhodobou spolupr\u00e1ci. A\u0165 u\u017e \u0159e\u0161\u00edte bydlen\u00ed, hypot\u00e9ku, refinancov\u00e1n\u00ed nebo si chcete l\u00e9pe nastavit sv\u00e9 finance, r\u00e1da v\u00e1m pomohu.\n\n\ud83d\udccd\u010cesk\u00e9 Bud\u011bjovice | cel\u00e1 \u010cR\n\nSjednejte si se mnou sch\u016fzku:\nMartina \u0160imkov\u00e1\nHypote\u010dn\u00ed a finan\u010dn\u00ed specialista\nweb: www.simkovamartina.cz\ntel: 724422470\nmail: finance@simkovamartina.cz\n\n#financesimkovamartina #financniporadenstvi #hypoteka #hypotecniporadenstvi #financnigramotnost\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18135173350538026\" data-date=\"1787157049\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DcOny1KjDSx\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/780210500_18014075900941666_1309267223714733368_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=107&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=n7x6RTiQ6ZwQ7kNvwG-aGx_&#038;_nc_oc=Adqo6g2B4Q76I0KWn8vHw3xqNeKvtdeGMBnJ157GqhfcJvt-TgTTXVHomUoypk9xNKk0zinnTFFJ_ioBwDNAZRoM&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQIgI9pZuu0wMY_7gv-Oi1AMiu71vaVNjAbub_wLrZzXftcFrVnnIxusUPBEhfzMoMaoK_YVWpPXsg&#038;oh=00_AQNyi0lxOdtxHUNNsgiUd7LGLH0qBjl3hGUb5FoRSAyeMA&#038;oe=6AD41653\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/780210500_18014075900941666_1309267223714733368_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=n7x6RTiQ6ZwQ7kNvwG-aGx_&amp;_nc_oc=Adqo6g2B4Q76I0KWn8vHw3xqNeKvtdeGMBnJ157GqhfcJvt-TgTTXVHomUoypk9xNKk0zinnTFFJ_ioBwDNAZRoM&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIgI9pZuu0wMY_7gv-Oi1AMiu71vaVNjAbub_wLrZzXftcFrVnnIxusUPBEhfzMoMaoK_YVWpPXsg&amp;oh=00_AQNyi0lxOdtxHUNNsgiUd7LGLH0qBjl3hGUb5FoRSAyeMA&amp;oe=6AD41653&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/780210500_18014075900941666_1309267223714733368_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=n7x6RTiQ6ZwQ7kNvwG-aGx_&amp;_nc_oc=Adqo6g2B4Q76I0KWn8vHw3xqNeKvtdeGMBnJ157GqhfcJvt-TgTTXVHomUoypk9xNKk0zinnTFFJ_ioBwDNAZRoM&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIgI9pZuu0wMY_7gv-Oi1AMiu71vaVNjAbub_wLrZzXftcFrVnnIxusUPBEhfzMoMaoK_YVWpPXsg&amp;oh=00_AQNyi0lxOdtxHUNNsgiUd7LGLH0qBjl3hGUb5FoRSAyeMA&amp;oe=6AD41653&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/780210500_18014075900941666_1309267223714733368_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=n7x6RTiQ6ZwQ7kNvwG-aGx_&amp;_nc_oc=Adqo6g2B4Q76I0KWn8vHw3xqNeKvtdeGMBnJ157GqhfcJvt-TgTTXVHomUoypk9xNKk0zinnTFFJ_ioBwDNAZRoM&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIgI9pZuu0wMY_7gv-Oi1AMiu71vaVNjAbub_wLrZzXftcFrVnnIxusUPBEhfzMoMaoK_YVWpPXsg&amp;oh=00_AQNyi0lxOdtxHUNNsgiUd7LGLH0qBjl3hGUb5FoRSAyeMA&amp;oe=6AD41653&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/780210500_18014075900941666_1309267223714733368_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=n7x6RTiQ6ZwQ7kNvwG-aGx_&amp;_nc_oc=Adqo6g2B4Q76I0KWn8vHw3xqNeKvtdeGMBnJ157GqhfcJvt-TgTTXVHomUoypk9xNKk0zinnTFFJ_ioBwDNAZRoM&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIgI9pZuu0wMY_7gv-Oi1AMiu71vaVNjAbub_wLrZzXftcFrVnnIxusUPBEhfzMoMaoK_YVWpPXsg&amp;oh=00_AQNyi0lxOdtxHUNNsgiUd7LGLH0qBjl3hGUb5FoRSAyeMA&amp;oe=6AD41653&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Jak dlouho si m\u016f\u017eete dovolit nevyd\u011bl\u00e1vat?  P\u0159\u00edjem<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Jak dlouho si m\u016f\u017eete dovolit nevyd\u011bl\u00e1vat?\n\nP\u0159\u00edjem 100 000 K\u010d m\u011bs\u00ed\u010dn\u011b m\u016f\u017ee p\u016fsobit jako finan\u010dn\u00ed jistota. D\u016fle\u017eit\u011bj\u0161\u00ed ot\u00e1zka ale je:\n\n\ud83d\udc49 Co se stane, kdy\u017e tento p\u0159\u00edjem na n\u011bkolik m\u011bs\u00edc\u016f vypadne?\n\nSt\u00e1t v\u00e1m toti\u017e p\u0159i v\u00fdpadku p\u0159\u00edjmu automaticky nenahrad\u00ed v\u00e1\u0161 sou\u010dasn\u00fd \u017eivotn\u00ed standard. Nap\u0159\u00edklad podpora v nezam\u011bstnanosti m\u00e1 sv\u016fj strop a nemocensk\u00e1 se odv\u00edj\u00ed od p\u0159\u00edjmu podle stanoven\u00fdch pravidel.\n\n\ud83d\udca1 Vy\u0161\u0161\u00ed p\u0159\u00edjem tedy neznamen\u00e1, \u017ee m\u00e1te automaticky dostate\u010dn\u00e9 finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed.\n\nCo tedy \u0159e\u0161it, kdy\u017e p\u0159\u00edjem vypadne, ale v\u00fddaje z\u016fstanou? \n\nNe\u0159e\u0161te jen to, kolik vyd\u011bl\u00e1v\u00e1te. D\u016fle\u017eit\u00e9 je v\u011bd\u011bt:\n\u2714 Kolik m\u011bs\u00ed\u010dn\u011b skute\u010dn\u011b pot\u0159ebujete na \u017eivot\n\u2714 Jak\u00fd p\u0159\u00edjem v\u00e1m z\u016fstane p\u0159i v\u00fdpadku pr\u00e1ce\n\u2714 Kolik m\u00e1te okam\u017eit\u011b dostupn\u00fdch pen\u011bz\n\u2714 Jak dlouho dok\u00e1\u017eete sv\u00e9 v\u00fddaje pokr\u00fdt\n\n\u26a0\ufe0f U OSV\u010c je pot\u0159eba po\u010d\u00edtat s je\u0161t\u011b v\u011bt\u0161\u00ed odpov\u011bdnost\u00ed za vlastn\u00ed finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed.\n\nChcete v\u011bd\u011bt, jak jste na tom vy?\n\nOzv\u011bte se mi:\nMartina \u0160imkov\u00e1\nHypote\u010dn\u00ed a finan\u010dn\u00ed specialista\nweb: www.simkovamartina.cz\ntel: 724422470\nmail: finance@simkovamartina.cz\n\nSpole\u010dn\u011b nastav\u00edme pl\u00e1n, kter\u00fd v\u00e1m pom\u016f\u017ee zvl\u00e1dnout i obdob\u00ed, kdy p\u0159\u00edjem na n\u011bjak\u00fd \u010das vypadne.\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18123224443743324\" data-date=\"1782736782\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DaK4zbiDFnl\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/732504588_18006310904941666_7123778069706471894_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=107&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=fMuTJGV26U8Q7kNvwG4Araw&#038;_nc_oc=AdoOURvVXAPlKn-IEG2tr-BcfDbpa8mJc9M5VLfCyj8V-su922JoqFf1oulChFC8ZI7kncG2e0sRWrUCnaDTgCdl&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQL_vEvvW0uJ2Fc8xMGEFC37fjDIe5mLVd5tOgbVcI900LkVmI_r2Ezdx2z_QzaWe3kdDldxZYXUOw&#038;oh=00_AQNE-N2ks9G5nVtLzJU1qMfkU0Aefxs8kc8vwxwh9nqzXg&#038;oe=6AD41E06\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/732504588_18006310904941666_7123778069706471894_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=fMuTJGV26U8Q7kNvwG4Araw&amp;_nc_oc=AdoOURvVXAPlKn-IEG2tr-BcfDbpa8mJc9M5VLfCyj8V-su922JoqFf1oulChFC8ZI7kncG2e0sRWrUCnaDTgCdl&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL_vEvvW0uJ2Fc8xMGEFC37fjDIe5mLVd5tOgbVcI900LkVmI_r2Ezdx2z_QzaWe3kdDldxZYXUOw&amp;oh=00_AQNE-N2ks9G5nVtLzJU1qMfkU0Aefxs8kc8vwxwh9nqzXg&amp;oe=6AD41E06&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/732504588_18006310904941666_7123778069706471894_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=fMuTJGV26U8Q7kNvwG4Araw&amp;_nc_oc=AdoOURvVXAPlKn-IEG2tr-BcfDbpa8mJc9M5VLfCyj8V-su922JoqFf1oulChFC8ZI7kncG2e0sRWrUCnaDTgCdl&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL_vEvvW0uJ2Fc8xMGEFC37fjDIe5mLVd5tOgbVcI900LkVmI_r2Ezdx2z_QzaWe3kdDldxZYXUOw&amp;oh=00_AQNE-N2ks9G5nVtLzJU1qMfkU0Aefxs8kc8vwxwh9nqzXg&amp;oe=6AD41E06&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/732504588_18006310904941666_7123778069706471894_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=fMuTJGV26U8Q7kNvwG4Araw&amp;_nc_oc=AdoOURvVXAPlKn-IEG2tr-BcfDbpa8mJc9M5VLfCyj8V-su922JoqFf1oulChFC8ZI7kncG2e0sRWrUCnaDTgCdl&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL_vEvvW0uJ2Fc8xMGEFC37fjDIe5mLVd5tOgbVcI900LkVmI_r2Ezdx2z_QzaWe3kdDldxZYXUOw&amp;oh=00_AQNE-N2ks9G5nVtLzJU1qMfkU0Aefxs8kc8vwxwh9nqzXg&amp;oe=6AD41E06&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/732504588_18006310904941666_7123778069706471894_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=107&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=fMuTJGV26U8Q7kNvwG4Araw&amp;_nc_oc=AdoOURvVXAPlKn-IEG2tr-BcfDbpa8mJc9M5VLfCyj8V-su922JoqFf1oulChFC8ZI7kncG2e0sRWrUCnaDTgCdl&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL_vEvvW0uJ2Fc8xMGEFC37fjDIe5mLVd5tOgbVcI900LkVmI_r2Ezdx2z_QzaWe3kdDldxZYXUOw&amp;oh=00_AQNE-N2ks9G5nVtLzJU1qMfkU0Aefxs8kc8vwxwh9nqzXg&amp;oe=6AD41E06&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">D\u011bkuji za pozv\u00e1n\u00ed na Obchodn\u00ed akademii @sso.husova<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"D\u011bkuji za pozv\u00e1n\u00ed na Obchodn\u00ed akademii @sso.husova.9 \n\nM\u011bla jsem mo\u017enost v\u00e9st n\u011bkolik p\u0159edn\u00e1\u0161ek zam\u011b\u0159en\u00fdch na prevenci ve financ\u00edch. Pov\u00eddali jsme si o zodpov\u011bdn\u00e9m rozhodov\u00e1n\u00ed, finan\u010dn\u00ed gramotnosti a o tom, pro\u010d je dobr\u00e9 za\u010d\u00edt p\u0159em\u00fd\u0161let o financ\u00edch co nejd\u0159\u00edve.\n\nM\u00e1m radost, kdy\u017e mohu p\u0159ed\u00e1vat sv\u00e9 zku\u0161enosti a pom\u00e1hat mlad\u00fdm lidem l\u00e9pe se orientovat ve sv\u011bt\u011b financ\u00ed. V\u011b\u0159\u00edm, \u017ee pr\u00e1v\u011b finan\u010dn\u00ed gramotnost pat\u0159\u00ed k t\u011bm nejlep\u0161\u00edm investic\u00edm do budoucnosti \u2728\n\n#financesimkovamartina #finan\u010dn\u00edspecialista #finan\u010dn\u00edgramotnost #ceskebudejovice #obchodniakademie\n\nPokud i vy byste m\u011bli z\u00e1jem o p\u0159edn\u00e1\u0161ku, nev\u00e1hejte se na m\u011b obr\u00e1tit:\nMartina \u0160imkov\u00e1\nHypote\u010dn\u00ed a finan\u010dn\u00ed specialista\nweb: www.simkovamartina.cz\ntel: 724422470\nmail: finance@simkovamartina.cz\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17873631018458773\" data-date=\"1775287259\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DWs39vVDNHo\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/659085971_17994973373941666_3940355466549412201_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=102&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=whbajIy8N0gQ7kNvwFk5JvG&#038;_nc_oc=AdpP80tFsyRY7GOEqXUTxa587M1ilTZIEE9UrQ-rNdm5_qprS1Ruxt-_ttxpHZqUaOEcCz5rktoiCJZiZp3NgmTy&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQImMOPxi0vSFH_53-RmXdhxucVath-qU4aRw5rEv7VUiGzPuZt4HgzPgDkV-ewyH9VaQj4L9szsYg&#038;oh=00_AQPqS1B8SkvVWmEmJygdR-fdz87gPY5wuPX3cZCAeAtTfg&#038;oe=6AD424FD\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/659085971_17994973373941666_3940355466549412201_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=whbajIy8N0gQ7kNvwFk5JvG&amp;_nc_oc=AdpP80tFsyRY7GOEqXUTxa587M1ilTZIEE9UrQ-rNdm5_qprS1Ruxt-_ttxpHZqUaOEcCz5rktoiCJZiZp3NgmTy&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQImMOPxi0vSFH_53-RmXdhxucVath-qU4aRw5rEv7VUiGzPuZt4HgzPgDkV-ewyH9VaQj4L9szsYg&amp;oh=00_AQPqS1B8SkvVWmEmJygdR-fdz87gPY5wuPX3cZCAeAtTfg&amp;oe=6AD424FD&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/659085971_17994973373941666_3940355466549412201_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=whbajIy8N0gQ7kNvwFk5JvG&amp;_nc_oc=AdpP80tFsyRY7GOEqXUTxa587M1ilTZIEE9UrQ-rNdm5_qprS1Ruxt-_ttxpHZqUaOEcCz5rktoiCJZiZp3NgmTy&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQImMOPxi0vSFH_53-RmXdhxucVath-qU4aRw5rEv7VUiGzPuZt4HgzPgDkV-ewyH9VaQj4L9szsYg&amp;oh=00_AQPqS1B8SkvVWmEmJygdR-fdz87gPY5wuPX3cZCAeAtTfg&amp;oe=6AD424FD&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/659085971_17994973373941666_3940355466549412201_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=whbajIy8N0gQ7kNvwFk5JvG&amp;_nc_oc=AdpP80tFsyRY7GOEqXUTxa587M1ilTZIEE9UrQ-rNdm5_qprS1Ruxt-_ttxpHZqUaOEcCz5rktoiCJZiZp3NgmTy&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQImMOPxi0vSFH_53-RmXdhxucVath-qU4aRw5rEv7VUiGzPuZt4HgzPgDkV-ewyH9VaQj4L9szsYg&amp;oh=00_AQPqS1B8SkvVWmEmJygdR-fdz87gPY5wuPX3cZCAeAtTfg&amp;oe=6AD424FD&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/659085971_17994973373941666_3940355466549412201_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=whbajIy8N0gQ7kNvwFk5JvG&amp;_nc_oc=AdpP80tFsyRY7GOEqXUTxa587M1ilTZIEE9UrQ-rNdm5_qprS1Ruxt-_ttxpHZqUaOEcCz5rktoiCJZiZp3NgmTy&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQImMOPxi0vSFH_53-RmXdhxucVath-qU4aRw5rEv7VUiGzPuZt4HgzPgDkV-ewyH9VaQj4L9szsYg&amp;oh=00_AQPqS1B8SkvVWmEmJygdR-fdz87gPY5wuPX3cZCAeAtTfg&amp;oe=6AD424FD&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Finan\u010dn\u00ed detox byl za\u010d\u00e1tek.  A mo\u017en\u00e1 jste b\u011bhem t\u011b<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Finan\u010dn\u00ed detox byl za\u010d\u00e1tek.\n\nA mo\u017en\u00e1 jste b\u011bhem t\u011bch posledn\u00edch t\u00fddn\u016f zjistili n\u011bco, co v\u011bt\u0161inu lid\u00ed p\u0159ekvap\u00ed- \u017ee finance nejsou jen o \u010d\u00edslech. \u2028\u2028Jako finan\u010dn\u00ed poradkyn\u011b to vid\u00edm u klient\u016f velmi \u010dasto. Nejde ani tak o to, kolik vyd\u011bl\u00e1v\u00e1me. Ale o to, jestli se ve sv\u00fdch financ\u00edch vyzn\u00e1me a jestli se v nich c\u00edt\u00edme v klidu. Mo\u017en\u00e1 sta\u010d\u00ed m\u00e1lo. Pod\u00edvat se na v\u011bci jinak. Zjednodu\u0161it to. Za\u010d\u00edt si v\u0161\u00edmat, kam pen\u00edze opravdu jdou. \n\nNejde o dokonalost.\u2028Nejde o velk\u00e9 zm\u011bny ze dne na den.\nSp\u00ed\u0161 o mal\u00e9 kroky, kter\u00e9 za\u010dnou d\u00e1vat smysl.\u2028A postupn\u011b vytvo\u0159\u00ed pocit jistoty.\n\nProto\u017ee finan\u010dn\u00ed klid nevznik\u00e1 z toho, kolik m\u00e1te. Ale z toho, jak s t\u00edm pracujete. \n\nA pokud si v n\u011b\u010dem nejste jist\u00ed, je \u00fapln\u011b v po\u0159\u00e1dku si nechat poradit \u2728 @financesimkovamartina\n\n#finance #financnidetox #bonus #ceskebudejovice #financnigramotnost\n\nMartina \u0160imkov\u00e1\nHypote\u010dn\u00ed a finan\u010dn\u00ed specialista\nweb: www.simkovamartina.cz\ntel: 724422470\nmail: finance@simkovamartina.cz\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18413784379134646\" data-date=\"1774272052\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DWOnnMCDPDg\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/655994602_17993331890941666_2872703222508454800_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=102&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=JnEJ9upYxBcQ7kNvwHrukip&#038;_nc_oc=Adow47AJpMRYxcZBqGugUA96SLoAlYDhmAcs6YZA26qO_XX4SKPrxCyZccn-NZEKHH3PQ859861orrSaqAi9LeP1&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQL-gcX1eQvY82IeSgyRR501U-irdsQwL6lhDUXmTIIhtVfTEbxmmuBHwIy11Ny_wM8EPrrsUEs6sA&#038;oh=00_AQPk1aNfCLosAce1IeMDQmkFxUrfW4LGTqMUt8q2RkDMsw&#038;oe=6AD40F69\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/655994602_17993331890941666_2872703222508454800_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=JnEJ9upYxBcQ7kNvwHrukip&amp;_nc_oc=Adow47AJpMRYxcZBqGugUA96SLoAlYDhmAcs6YZA26qO_XX4SKPrxCyZccn-NZEKHH3PQ859861orrSaqAi9LeP1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL-gcX1eQvY82IeSgyRR501U-irdsQwL6lhDUXmTIIhtVfTEbxmmuBHwIy11Ny_wM8EPrrsUEs6sA&amp;oh=00_AQPk1aNfCLosAce1IeMDQmkFxUrfW4LGTqMUt8q2RkDMsw&amp;oe=6AD40F69&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/655994602_17993331890941666_2872703222508454800_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=JnEJ9upYxBcQ7kNvwHrukip&amp;_nc_oc=Adow47AJpMRYxcZBqGugUA96SLoAlYDhmAcs6YZA26qO_XX4SKPrxCyZccn-NZEKHH3PQ859861orrSaqAi9LeP1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL-gcX1eQvY82IeSgyRR501U-irdsQwL6lhDUXmTIIhtVfTEbxmmuBHwIy11Ny_wM8EPrrsUEs6sA&amp;oh=00_AQPk1aNfCLosAce1IeMDQmkFxUrfW4LGTqMUt8q2RkDMsw&amp;oe=6AD40F69&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/655994602_17993331890941666_2872703222508454800_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=JnEJ9upYxBcQ7kNvwHrukip&amp;_nc_oc=Adow47AJpMRYxcZBqGugUA96SLoAlYDhmAcs6YZA26qO_XX4SKPrxCyZccn-NZEKHH3PQ859861orrSaqAi9LeP1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL-gcX1eQvY82IeSgyRR501U-irdsQwL6lhDUXmTIIhtVfTEbxmmuBHwIy11Ny_wM8EPrrsUEs6sA&amp;oh=00_AQPk1aNfCLosAce1IeMDQmkFxUrfW4LGTqMUt8q2RkDMsw&amp;oe=6AD40F69&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/655994602_17993331890941666_2872703222508454800_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=102&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=JnEJ9upYxBcQ7kNvwHrukip&amp;_nc_oc=Adow47AJpMRYxcZBqGugUA96SLoAlYDhmAcs6YZA26qO_XX4SKPrxCyZccn-NZEKHH3PQ859861orrSaqAi9LeP1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL-gcX1eQvY82IeSgyRR501U-irdsQwL6lhDUXmTIIhtVfTEbxmmuBHwIy11Ny_wM8EPrrsUEs6sA&amp;oh=00_AQPk1aNfCLosAce1IeMDQmkFxUrfW4LGTqMUt8q2RkDMsw&amp;oe=6AD40F69&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Jak mohou vypadnout hypote\u010dn\u00ed sazby v n\u00e1sleduj\u00edc\u00edc<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Jak mohou vypadnout hypote\u010dn\u00ed sazby v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch?\ud83c\udfe1\n\nNa trhu dnes najdete hypot\u00e9ky u\u017e kolem 4%. Ale v\u011bt\u0161ina klient\u016f se dnes re\u00e1ln\u011b pohybuje sp\u00ed\u0161e kolem 4,4\u20134,5%.\n\nPro\u010d je mezi t\u00edm rozd\u00edl?\n\nNejni\u017e\u0161\u00ed sazby bank obvykle plat\u00ed jen p\u0159i ide\u00e1ln\u00edch podm\u00ednk\u00e1ch, nap\u0159\u00edklad p\u0159i ni\u017e\u0161\u00edm LTV, vy\u0161\u0161\u00edm p\u0159\u00edjmu nebo p\u0159i sjedn\u00e1n\u00ed dal\u0161\u00edch produkt\u016f\n\nPr\u016fm\u011brn\u00e1 sazba nov\u00fdch hypot\u00e9k se proto dnes pohybuje p\u0159ibli\u017en\u011b kolem 4,4\u20134,5 %.\n(Zdroj: \u010cBA Hypomonitor)\n\nCo ale bude d\u00e1l?\n\nJedn\u00edm z d\u016fle\u017eit\u00fdch ukazatel\u016f je v\u00fdvoj tzv. mezibankovn\u00edch sazeb (IRS). To je cena, za kterou si banky zaji\u0161\u0165uj\u00ed pen\u00edze na n\u011bkolik let dop\u0159edu.\n\nA pr\u00e1v\u011b tyto sazby v posledn\u00edch m\u011bs\u00edc\u00edch m\u00edrn\u011b rostou.\n\nPokud cena pen\u011bz na mezibankovn\u00edm trhu roste, bank\u00e1m se zdra\u017euje financov\u00e1n\u00ed a prostor pro dal\u0161\u00ed zlev\u0148ov\u00e1n\u00ed hypot\u00e9k se zmen\u0161uje\n\nTo nezn\u00e1m\u00e1, \u017ee sazby mus\u00ed dramaticky r\u016fst. Sp\u00ed\u0161e to ale nazna\u010duje stabilitu nebo jen velmi pozvoln\u00e9 zm\u011bny.\n\n\ud83d\udc49Proto dnes v\u011bt\u0161ina odborn\u00edk\u016f doporu\u010duje \u0159e\u0161it hypot\u00e9ku podle vlastn\u00ed situace ne podle s\u00edly \u201e\u010dasovat trh\u201c.\n\nZdroje: \u010cBA Hypomonitor, Swiss Life Hypoindex, \u010cesk\u00e1 n\u00e1rodn\u00ed banka, anal\u00fdzy hypote\u010dn\u00edho trhu\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_video sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18075082037172283\" data-date=\"1774258511\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/reel\/DWONg9kjG56\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.71878-15\/656824504_918645224201673_5895613406279587778_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=109&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&#038;_nc_ohc=4rRrUQie0AEQ7kNvwHC24kJ&#038;_nc_oc=Adrz3L1p_qRnlDU71xQw8q96GAxWrz56yd3GDCn0xrtc0rCaf1rr3IkB3-dZUpxDQcVJOBWSgu-AiAXH76uT1526&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQKRVPREIpKdqXRkMp9csEJTWsvA5anp6wS0DbcJBBGnjIQIHQJmm5ElTK2-6DFVKj-cEz_IXt_mQA&#038;oh=00_AQM-YOWlzRpfVJrQyuoty6h03WMAV1Cxu5cYSiQpd4yIoQ&#038;oe=6AD427AF\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.71878-15\\\/656824504_918645224201673_5895613406279587778_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=109&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=4rRrUQie0AEQ7kNvwHC24kJ&amp;_nc_oc=Adrz3L1p_qRnlDU71xQw8q96GAxWrz56yd3GDCn0xrtc0rCaf1rr3IkB3-dZUpxDQcVJOBWSgu-AiAXH76uT1526&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKRVPREIpKdqXRkMp9csEJTWsvA5anp6wS0DbcJBBGnjIQIHQJmm5ElTK2-6DFVKj-cEz_IXt_mQA&amp;oh=00_AQM-YOWlzRpfVJrQyuoty6h03WMAV1Cxu5cYSiQpd4yIoQ&amp;oe=6AD427AF&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.71878-15\\\/656824504_918645224201673_5895613406279587778_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=109&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=4rRrUQie0AEQ7kNvwHC24kJ&amp;_nc_oc=Adrz3L1p_qRnlDU71xQw8q96GAxWrz56yd3GDCn0xrtc0rCaf1rr3IkB3-dZUpxDQcVJOBWSgu-AiAXH76uT1526&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKRVPREIpKdqXRkMp9csEJTWsvA5anp6wS0DbcJBBGnjIQIHQJmm5ElTK2-6DFVKj-cEz_IXt_mQA&amp;oh=00_AQM-YOWlzRpfVJrQyuoty6h03WMAV1Cxu5cYSiQpd4yIoQ&amp;oe=6AD427AF&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.71878-15\\\/656824504_918645224201673_5895613406279587778_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=109&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=4rRrUQie0AEQ7kNvwHC24kJ&amp;_nc_oc=Adrz3L1p_qRnlDU71xQw8q96GAxWrz56yd3GDCn0xrtc0rCaf1rr3IkB3-dZUpxDQcVJOBWSgu-AiAXH76uT1526&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKRVPREIpKdqXRkMp9csEJTWsvA5anp6wS0DbcJBBGnjIQIHQJmm5ElTK2-6DFVKj-cEz_IXt_mQA&amp;oh=00_AQM-YOWlzRpfVJrQyuoty6h03WMAV1Cxu5cYSiQpd4yIoQ&amp;oe=6AD427AF&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.71878-15\\\/656824504_918645224201673_5895613406279587778_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=109&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=4rRrUQie0AEQ7kNvwHC24kJ&amp;_nc_oc=Adrz3L1p_qRnlDU71xQw8q96GAxWrz56yd3GDCn0xrtc0rCaf1rr3IkB3-dZUpxDQcVJOBWSgu-AiAXH76uT1526&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKRVPREIpKdqXRkMp9csEJTWsvA5anp6wS0DbcJBBGnjIQIHQJmm5ElTK2-6DFVKj-cEz_IXt_mQA&amp;oh=00_AQM-YOWlzRpfVJrQyuoty6h03WMAV1Cxu5cYSiQpd4yIoQ&amp;oe=6AD427AF&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Prvn\u00ed krok? \ud83d\udc49 Chci.  Ne proto, \u017ee mus\u00edte. Ale prot<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Prvn\u00ed krok?\n\ud83d\udc49 Chci.\n\nNe proto, \u017ee mus\u00edte.\nAle proto\u017ee sami chcete n\u011bco zm\u011bnit.\n\nA od toho se odv\u00edj\u00ed v\u0161echno ostatn\u00ed \n#financesimkovamartina #motivace #finan\u010dn\u00edporadenstv\u00ed #ceskebudejovice #Q&amp;A\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_video sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17846025147680672\" data-date=\"1772615651\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/reel\/DVdP3-FjH6D\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/708216613_18001473701941666_3450949279772939566_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=101&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&#038;_nc_ohc=ThmgEWZ-4bsQ7kNvwEvJprI&#038;_nc_oc=Adr48-1TCJyF4c7XFrAe8y_h70AqrxUuPfaZN-HG5eUYwuXd84yMrhtal4clxBIBS_hE60Sybg5H51zOV5TpdZ_t&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQJAu1jORbM18YXicMkLZpui9pdKoJpZf17pCUog6ULT4I7aduMMZdK-728bgARAzCMbSfjbwIeuLg&#038;oh=00_AQNmr09NJ_rW3VY3Ij4RItvaBLcawtPs7bwlGWv3XKvxLA&#038;oe=6AD3F695\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/708216613_18001473701941666_3450949279772939566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=101&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=ThmgEWZ-4bsQ7kNvwEvJprI&amp;_nc_oc=Adr48-1TCJyF4c7XFrAe8y_h70AqrxUuPfaZN-HG5eUYwuXd84yMrhtal4clxBIBS_hE60Sybg5H51zOV5TpdZ_t&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJAu1jORbM18YXicMkLZpui9pdKoJpZf17pCUog6ULT4I7aduMMZdK-728bgARAzCMbSfjbwIeuLg&amp;oh=00_AQNmr09NJ_rW3VY3Ij4RItvaBLcawtPs7bwlGWv3XKvxLA&amp;oe=6AD3F695&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/708216613_18001473701941666_3450949279772939566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=101&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=ThmgEWZ-4bsQ7kNvwEvJprI&amp;_nc_oc=Adr48-1TCJyF4c7XFrAe8y_h70AqrxUuPfaZN-HG5eUYwuXd84yMrhtal4clxBIBS_hE60Sybg5H51zOV5TpdZ_t&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJAu1jORbM18YXicMkLZpui9pdKoJpZf17pCUog6ULT4I7aduMMZdK-728bgARAzCMbSfjbwIeuLg&amp;oh=00_AQNmr09NJ_rW3VY3Ij4RItvaBLcawtPs7bwlGWv3XKvxLA&amp;oe=6AD3F695&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/708216613_18001473701941666_3450949279772939566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=101&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=ThmgEWZ-4bsQ7kNvwEvJprI&amp;_nc_oc=Adr48-1TCJyF4c7XFrAe8y_h70AqrxUuPfaZN-HG5eUYwuXd84yMrhtal4clxBIBS_hE60Sybg5H51zOV5TpdZ_t&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJAu1jORbM18YXicMkLZpui9pdKoJpZf17pCUog6ULT4I7aduMMZdK-728bgARAzCMbSfjbwIeuLg&amp;oh=00_AQNmr09NJ_rW3VY3Ij4RItvaBLcawtPs7bwlGWv3XKvxLA&amp;oe=6AD3F695&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/708216613_18001473701941666_3450949279772939566_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=101&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=ThmgEWZ-4bsQ7kNvwEvJprI&amp;_nc_oc=Adr48-1TCJyF4c7XFrAe8y_h70AqrxUuPfaZN-HG5eUYwuXd84yMrhtal4clxBIBS_hE60Sybg5H51zOV5TpdZ_t&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJAu1jORbM18YXicMkLZpui9pdKoJpZf17pCUog6ULT4I7aduMMZdK-728bgARAzCMbSfjbwIeuLg&amp;oh=00_AQNmr09NJ_rW3VY3Ij4RItvaBLcawtPs7bwlGWv3XKvxLA&amp;oe=6AD3F695&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">S\u00e9rii Finan\u010dn\u00ed detox m\u016f\u017eete sledovat nejen zde, al<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"S\u00e9rii Finan\u010dn\u00ed detox m\u016f\u017eete sledovat nejen zde, ale i na m\u00fdch webov\u00fdch str\u00e1nk\u00e1ch. Najdete tam jednotliv\u00e9 kroky p\u0159ehledn\u011b na jednom m\u00edst\u011b. Odkaz v bio \ud83d\udd17\n\nMo\u017en\u00e1 pr\u00e1v\u011b te\u010f nastal \u010das pod\u00edvat se na sv\u00e9 finance jinak. \n\n#finance #financnidetox #financnipust #ceskebudejovice #financnigramotnost\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18095855548807897\" data-date=\"1772613292\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DVdLxx2jEhB\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/645857116_17990468279941666_4578491377974483923_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=111&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=7kjhh-6T9P4Q7kNvwGa73Sr&#038;_nc_oc=AdrmnDqTrRG4XzsmZNYXrc5k370HPpmPJWw09EiP1Pfq3xaiv5Q3PhPuOMhXn7cg12NAEiI4INYJkvjKgis9WS9x&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQL4tdQYuNhEqZ43rOMdwlmsghF8QuXcel8LtbdA25o0fbMS_a7Hh4X1K3OtC4iG3egMccn9Lyk8FA&#038;oh=00_AQM95vPNpP8PiHxvTt7ql4YzpH42hNdqbibuo7vO6nwweg&#038;oe=6AD408B4\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/645857116_17990468279941666_4578491377974483923_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=111&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=7kjhh-6T9P4Q7kNvwGa73Sr&amp;_nc_oc=AdrmnDqTrRG4XzsmZNYXrc5k370HPpmPJWw09EiP1Pfq3xaiv5Q3PhPuOMhXn7cg12NAEiI4INYJkvjKgis9WS9x&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL4tdQYuNhEqZ43rOMdwlmsghF8QuXcel8LtbdA25o0fbMS_a7Hh4X1K3OtC4iG3egMccn9Lyk8FA&amp;oh=00_AQM95vPNpP8PiHxvTt7ql4YzpH42hNdqbibuo7vO6nwweg&amp;oe=6AD408B4&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/645857116_17990468279941666_4578491377974483923_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=111&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=7kjhh-6T9P4Q7kNvwGa73Sr&amp;_nc_oc=AdrmnDqTrRG4XzsmZNYXrc5k370HPpmPJWw09EiP1Pfq3xaiv5Q3PhPuOMhXn7cg12NAEiI4INYJkvjKgis9WS9x&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL4tdQYuNhEqZ43rOMdwlmsghF8QuXcel8LtbdA25o0fbMS_a7Hh4X1K3OtC4iG3egMccn9Lyk8FA&amp;oh=00_AQM95vPNpP8PiHxvTt7ql4YzpH42hNdqbibuo7vO6nwweg&amp;oe=6AD408B4&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/645857116_17990468279941666_4578491377974483923_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=111&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=7kjhh-6T9P4Q7kNvwGa73Sr&amp;_nc_oc=AdrmnDqTrRG4XzsmZNYXrc5k370HPpmPJWw09EiP1Pfq3xaiv5Q3PhPuOMhXn7cg12NAEiI4INYJkvjKgis9WS9x&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL4tdQYuNhEqZ43rOMdwlmsghF8QuXcel8LtbdA25o0fbMS_a7Hh4X1K3OtC4iG3egMccn9Lyk8FA&amp;oh=00_AQM95vPNpP8PiHxvTt7ql4YzpH42hNdqbibuo7vO6nwweg&amp;oe=6AD408B4&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/645857116_17990468279941666_4578491377974483923_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=111&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=7kjhh-6T9P4Q7kNvwGa73Sr&amp;_nc_oc=AdrmnDqTrRG4XzsmZNYXrc5k370HPpmPJWw09EiP1Pfq3xaiv5Q3PhPuOMhXn7cg12NAEiI4INYJkvjKgis9WS9x&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQL4tdQYuNhEqZ43rOMdwlmsghF8QuXcel8LtbdA25o0fbMS_a7Hh4X1K3OtC4iG3egMccn9Lyk8FA&amp;oh=00_AQM95vPNpP8PiHxvTt7ql4YzpH42hNdqbibuo7vO6nwweg&amp;oe=6AD408B4&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Minul\u00e9 t\u00fddny jsme odhalili chaos a pod\u00edvali se na<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Minul\u00e9 t\u00fddny jsme odhalili chaos a pod\u00edvali se na realitu. Te\u010f p\u0159ich\u00e1z\u00ed t\u0159et\u00ed krok- SYST\u00c9M.\n\nProto\u017ee bez syst\u00e9mu se i dobr\u00fd p\u0159\u00edjem m\u016f\u017ee rozplynout. A bez struktury se i dobr\u00e9 \u00famysly \u010dasem ztrat\u00ed. Syst\u00e9m nen\u00ed tabulka pln\u00e1 slo\u017eitost\u00ed. Je to jednoduch\u00e9 rozd\u011blen\u00ed pen\u011bz tak, aby:\n\u2022 bylo postar\u00e1no o dne\u0161ek\u2028\u2022 bylo postar\u00e1no o budoucnost\u2028\u2022 z\u016fstal prostor pro radost\n\nNejde o omezen\u00ed. Jde o rovnov\u00e1hu.\nKdy\u017e m\u00e1 ka\u017ed\u00e1 koruna sv\u00e9 m\u00edsto, p\u0159est\u00e1v\u00e1 vznikat nap\u011bt\u00ed. P\u0159est\u00e1v\u00e1 vznikat nejistota.\u2028Vznik\u00e1 klid.\nA p\u0159esn\u011b o ten jde.\n\nFinan\u010dn\u00ed klid nen\u00ed o tom vyd\u011bl\u00e1vat v\u00edc.\u2028\nJe o tom m\u00edt jasn\u00fd syst\u00e9m.\n\n#finance #financnidetox #system #ceskebudejovice #financnigramotnost\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18098911625488825\" data-date=\"1772443827\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DVYGJdgjAOE\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/643556070_17990204375941666_5135551251308735692_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=105&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=CSYSVmcg2BUQ7kNvwFepbbm&#038;_nc_oc=Adqc2JInCi_uG4QfvcJvUjqTBK8pAVlC8LIBkIdq2DK1U24tt5T0adETHX2VPzIjWlAxiBAuyK_Ry8SK3mWHwLau&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQIl744bRpRbt52xzVB3vt5yBk0cAPsIoJ884YRbG8Lu9c3nK7LRo23_R4OFqENx2fQKrpK9Og6h5w&#038;oh=00_AQND9yaXxpjivoQpauH6be061y9yMH1MdaWTnYwOEc1UrQ&#038;oe=6AD421A9\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/643556070_17990204375941666_5135551251308735692_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=CSYSVmcg2BUQ7kNvwFepbbm&amp;_nc_oc=Adqc2JInCi_uG4QfvcJvUjqTBK8pAVlC8LIBkIdq2DK1U24tt5T0adETHX2VPzIjWlAxiBAuyK_Ry8SK3mWHwLau&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIl744bRpRbt52xzVB3vt5yBk0cAPsIoJ884YRbG8Lu9c3nK7LRo23_R4OFqENx2fQKrpK9Og6h5w&amp;oh=00_AQND9yaXxpjivoQpauH6be061y9yMH1MdaWTnYwOEc1UrQ&amp;oe=6AD421A9&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/643556070_17990204375941666_5135551251308735692_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=CSYSVmcg2BUQ7kNvwFepbbm&amp;_nc_oc=Adqc2JInCi_uG4QfvcJvUjqTBK8pAVlC8LIBkIdq2DK1U24tt5T0adETHX2VPzIjWlAxiBAuyK_Ry8SK3mWHwLau&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIl744bRpRbt52xzVB3vt5yBk0cAPsIoJ884YRbG8Lu9c3nK7LRo23_R4OFqENx2fQKrpK9Og6h5w&amp;oh=00_AQND9yaXxpjivoQpauH6be061y9yMH1MdaWTnYwOEc1UrQ&amp;oe=6AD421A9&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/643556070_17990204375941666_5135551251308735692_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=CSYSVmcg2BUQ7kNvwFepbbm&amp;_nc_oc=Adqc2JInCi_uG4QfvcJvUjqTBK8pAVlC8LIBkIdq2DK1U24tt5T0adETHX2VPzIjWlAxiBAuyK_Ry8SK3mWHwLau&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIl744bRpRbt52xzVB3vt5yBk0cAPsIoJ884YRbG8Lu9c3nK7LRo23_R4OFqENx2fQKrpK9Og6h5w&amp;oh=00_AQND9yaXxpjivoQpauH6be061y9yMH1MdaWTnYwOEc1UrQ&amp;oe=6AD421A9&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/643556070_17990204375941666_5135551251308735692_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=CSYSVmcg2BUQ7kNvwFepbbm&amp;_nc_oc=Adqc2JInCi_uG4QfvcJvUjqTBK8pAVlC8LIBkIdq2DK1U24tt5T0adETHX2VPzIjWlAxiBAuyK_Ry8SK3mWHwLau&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQIl744bRpRbt52xzVB3vt5yBk0cAPsIoJ884YRbG8Lu9c3nK7LRo23_R4OFqENx2fQKrpK9Og6h5w&amp;oh=00_AQND9yaXxpjivoQpauH6be061y9yMH1MdaWTnYwOEc1UrQ&amp;oe=6AD421A9&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Kr\u00e1tk\u00e1 my\u0161lenka z praxe.  M\u00e1 pr\u00e1ce nen\u00ed jen o hypo<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Kr\u00e1tk\u00e1 my\u0161lenka z praxe.\n\nM\u00e1 pr\u00e1ce nen\u00ed jen o hypot\u00e9k\u00e1ch a \u010d\u00edslech. \u010casto je to o tom, \u017ee vid\u00edm, jak moc finance ovliv\u0148uj\u00ed klid v \u017eivot\u011b lid\u00ed. Ka\u017ed\u00fd den d\u011bl\u00e1me des\u00edtky finan\u010dn\u00edch rozhodnut\u00ed a \u010dasto \u00fapln\u011b automaticky. Platba kartou, n\u00e1kup \u201ejen mali\u010dkosti\u201c, odlo\u017een\u00ed \u0159e\u0161en\u00ed na jindy. Finance se netvo\u0159\u00ed jedn\u00edm velk\u00fdm rozhodnut\u00edm. Tvo\u0159\u00ed se drobn\u00fdmi kroky, kter\u00e9 opakujeme. A pr\u00e1v\u011b proto m\u00e1 smysl se na n\u011b ob\u010das pod\u00edvat v\u011bdom\u011b.\n\n\ud83c\udf3f Finan\u010dn\u00ed klid toti\u017e nevznik\u00e1 n\u00e1hodou.\u2028Vznik\u00e1 t\u00edm, \u017ee v\u00edte, co d\u011bl\u00e1te a pro\u010d.\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18306260908273343\" data-date=\"1772007758\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DVLI0HljOKd\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/642981909_17989529432941666_3803405148425188636_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=106&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=beeArP2fQgoQ7kNvwERNIL1&#038;_nc_oc=AdpbZZOlSzr2DNF9Wb9RFyQqT1o_dweH2gQpgLx8taXeOVRkD4VQDbU8QDTNCUv7jV0iXKXnNpYe6Lz5eaekjVJx&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQI_IbcDvn2xaF-tK7Vu5LTvWV8yArxTT0aQmUS5nCvEZgZaBvAuxLWf3JsSINoO4fblDeq5LdyN2A&#038;oh=00_AQNakyge_HqJL5Fk_wYN2YeqHQA3eIcWbV-98vhLyEC8og&#038;oe=6AD401C1\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/642981909_17989529432941666_3803405148425188636_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=106&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=beeArP2fQgoQ7kNvwERNIL1&amp;_nc_oc=AdpbZZOlSzr2DNF9Wb9RFyQqT1o_dweH2gQpgLx8taXeOVRkD4VQDbU8QDTNCUv7jV0iXKXnNpYe6Lz5eaekjVJx&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQI_IbcDvn2xaF-tK7Vu5LTvWV8yArxTT0aQmUS5nCvEZgZaBvAuxLWf3JsSINoO4fblDeq5LdyN2A&amp;oh=00_AQNakyge_HqJL5Fk_wYN2YeqHQA3eIcWbV-98vhLyEC8og&amp;oe=6AD401C1&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/642981909_17989529432941666_3803405148425188636_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=106&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=beeArP2fQgoQ7kNvwERNIL1&amp;_nc_oc=AdpbZZOlSzr2DNF9Wb9RFyQqT1o_dweH2gQpgLx8taXeOVRkD4VQDbU8QDTNCUv7jV0iXKXnNpYe6Lz5eaekjVJx&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQI_IbcDvn2xaF-tK7Vu5LTvWV8yArxTT0aQmUS5nCvEZgZaBvAuxLWf3JsSINoO4fblDeq5LdyN2A&amp;oh=00_AQNakyge_HqJL5Fk_wYN2YeqHQA3eIcWbV-98vhLyEC8og&amp;oe=6AD401C1&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/642981909_17989529432941666_3803405148425188636_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=106&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=beeArP2fQgoQ7kNvwERNIL1&amp;_nc_oc=AdpbZZOlSzr2DNF9Wb9RFyQqT1o_dweH2gQpgLx8taXeOVRkD4VQDbU8QDTNCUv7jV0iXKXnNpYe6Lz5eaekjVJx&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQI_IbcDvn2xaF-tK7Vu5LTvWV8yArxTT0aQmUS5nCvEZgZaBvAuxLWf3JsSINoO4fblDeq5LdyN2A&amp;oh=00_AQNakyge_HqJL5Fk_wYN2YeqHQA3eIcWbV-98vhLyEC8og&amp;oe=6AD401C1&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/642981909_17989529432941666_3803405148425188636_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=106&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=beeArP2fQgoQ7kNvwERNIL1&amp;_nc_oc=AdpbZZOlSzr2DNF9Wb9RFyQqT1o_dweH2gQpgLx8taXeOVRkD4VQDbU8QDTNCUv7jV0iXKXnNpYe6Lz5eaekjVJx&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQI_IbcDvn2xaF-tK7Vu5LTvWV8yArxTT0aQmUS5nCvEZgZaBvAuxLWf3JsSINoO4fblDeq5LdyN2A&amp;oh=00_AQNakyge_HqJL5Fk_wYN2YeqHQA3eIcWbV-98vhLyEC8og&amp;oe=6AD401C1&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Detox odhalil chaos? Te\u010f p\u0159ich\u00e1z\u00ed anal\u00fdza.  Anal\u00fdz<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Detox odhalil chaos? Te\u010f p\u0159ich\u00e1z\u00ed anal\u00fdza.\n\nAnal\u00fdza je moment, kdy si poprv\u00e9 dovol\u00edte pod\u00edvat se na sv\u00e9 finance bez iluz\u00ed. Nejde o dokonalost ani o zm\u011bny, jde o pochopen\u00ed reality. Proto\u017ee teprve z n\u00ed m\u016f\u017ee vzniknout funk\u010dn\u00ed syst\u00e9m. \n\nNe\u017e za\u010dnete pl\u00e1novat, pot\u0159ebujete v\u011bd\u011bt, kde opravdu stoj\u00edte.\n\n\ud83d\udc49 Vezm\u011bte pap\u00edr a napi\u0161te si:\u2028\u2022 p\u0159\u00edjmy\u2028\u2022 v\u00fddaje\u2028\u2022 smlouvy\u2028\u2022 dluhy\n\nOtev\u0159ete bankovn\u00ed aplikaci nebo koukn\u011bte na v\u00fdpisy z \u00fa\u010dt\u016f, smlouvy, emaily, slo\u017eka dokument\u016f, aplikace na rozpo\u010det a projd\u011bte posledn\u00ed m\u011bs\u00edc. Bez hodnocen\u00ed. Bez v\u00fd\u010ditek. Jen realita. \n\nProto\u017ee finan\u010dn\u00ed klid neza\u010d\u00edn\u00e1 pl\u00e1nem - za\u010d\u00edn\u00e1 p\u0159ehledem. \n\n#financesimkovamartina #ceskebudejovice #finan\u010dn\u00edporadenstv\u00ed #detox #analyza\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17868624489561619\" data-date=\"1771835405\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DVF_R_1jLCX\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/641716986_17989287824941666_5745233707959879296_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=103&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=8WpLoimk6E0Q7kNvwFr7RQ3&#038;_nc_oc=Adr_Cwlrmu5tB9q7wWfSXHxRofjkGHk0y0FM_PgqdGek7PTRQRyalpUayF1Jq8lfv2sEY1A5RZESQkTGZKldjZMv&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQKj4q7AX2tyPe0Lf4aDCN_jcWG9LsVQ-xyf36f5Ju1fE3NLqMVivfYfAQtpUV5lWVywVb0srC3Bqg&#038;oh=00_AQPV5OR41qpuVnDBmGC4-EK_a6J0KPTuDcekqKlmqxf4Lw&#038;oe=6AD41B52\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/641716986_17989287824941666_5745233707959879296_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=8WpLoimk6E0Q7kNvwFr7RQ3&amp;_nc_oc=Adr_Cwlrmu5tB9q7wWfSXHxRofjkGHk0y0FM_PgqdGek7PTRQRyalpUayF1Jq8lfv2sEY1A5RZESQkTGZKldjZMv&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKj4q7AX2tyPe0Lf4aDCN_jcWG9LsVQ-xyf36f5Ju1fE3NLqMVivfYfAQtpUV5lWVywVb0srC3Bqg&amp;oh=00_AQPV5OR41qpuVnDBmGC4-EK_a6J0KPTuDcekqKlmqxf4Lw&amp;oe=6AD41B52&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/641716986_17989287824941666_5745233707959879296_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=8WpLoimk6E0Q7kNvwFr7RQ3&amp;_nc_oc=Adr_Cwlrmu5tB9q7wWfSXHxRofjkGHk0y0FM_PgqdGek7PTRQRyalpUayF1Jq8lfv2sEY1A5RZESQkTGZKldjZMv&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKj4q7AX2tyPe0Lf4aDCN_jcWG9LsVQ-xyf36f5Ju1fE3NLqMVivfYfAQtpUV5lWVywVb0srC3Bqg&amp;oh=00_AQPV5OR41qpuVnDBmGC4-EK_a6J0KPTuDcekqKlmqxf4Lw&amp;oe=6AD41B52&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/641716986_17989287824941666_5745233707959879296_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=8WpLoimk6E0Q7kNvwFr7RQ3&amp;_nc_oc=Adr_Cwlrmu5tB9q7wWfSXHxRofjkGHk0y0FM_PgqdGek7PTRQRyalpUayF1Jq8lfv2sEY1A5RZESQkTGZKldjZMv&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKj4q7AX2tyPe0Lf4aDCN_jcWG9LsVQ-xyf36f5Ju1fE3NLqMVivfYfAQtpUV5lWVywVb0srC3Bqg&amp;oh=00_AQPV5OR41qpuVnDBmGC4-EK_a6J0KPTuDcekqKlmqxf4Lw&amp;oe=6AD41B52&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/641716986_17989287824941666_5745233707959879296_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=8WpLoimk6E0Q7kNvwFr7RQ3&amp;_nc_oc=Adr_Cwlrmu5tB9q7wWfSXHxRofjkGHk0y0FM_PgqdGek7PTRQRyalpUayF1Jq8lfv2sEY1A5RZESQkTGZKldjZMv&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQKj4q7AX2tyPe0Lf4aDCN_jcWG9LsVQ-xyf36f5Ju1fE3NLqMVivfYfAQtpUV5lWVywVb0srC3Bqg&amp;oh=00_AQPV5OR41qpuVnDBmGC4-EK_a6J0KPTuDcekqKlmqxf4Lw&amp;oe=6AD41B52&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">\ud83d\udcb0V\u00e1\u0161 pr\u016fvodce sv\u011btem financ\u00ed a hypot\u00e9k  Jsem Marti<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"\ud83d\udcb0V\u00e1\u0161 pr\u016fvodce sv\u011btem financ\u00ed a hypot\u00e9k\n\nJsem Martina \u0160imkov\u00e1 a u\u017e v\u00edce ne\u017e 30 let pom\u00e1h\u00e1m lidem z\u00edskat jistotu ve financ\u00edch. Specializuji se na hypot\u00e9ky a komplexn\u00ed finan\u010dn\u00ed \u0159e\u0161en\u00ed na m\u00edru.\n\nZ\u00e1rove\u0148 se v\u011bnuji vzd\u011bl\u00e1v\u00e1n\u00ed v oblasti finan\u010dn\u00ed gramotnosti a u\u017eite\u010dn\u00e9 informace pravideln\u011b sd\u00edl\u00edm zde na profilu i na sv\u00fdch str\u00e1nk\u00e1ch. V\u011b\u0159\u00edm, \u017ee finance maj\u00ed b\u00fdt srozumiteln\u00e9, bezpe\u010dn\u00e9 a pod kontrolou - ne zdrojem stresu.\n\nA\u0165 jste odkudkoliv z \u010cesk\u00e9 republiky, r\u00e1da v\u00e1m pomohu naj\u00edt cestu, kter\u00e1 bude fungovat pr\u00e1v\u011b pro v\u00e1s.\n\n#financesimkovamartina #ceskebudejovice #finan\u010dn\u00edspecialista #sv\u011btfinanc\u00ed #hypot\u00e9ky \n\nSjednejte si se mnou sch\u016fzku:\nMartina \u0160imkov\u00e1\nHypote\u010dn\u00ed a finan\u010dn\u00ed specialista\nweb: www.simkovamartina.cz\ntel: 724422470\nmail: finance@simkovamartina.cz\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_carousel sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18098806996904366\" data-date=\"1771412407\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DU5ZRZajEfP\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/639442865_17988685238941666_5005184546485880908_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=100&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=cKgMv55S_pkQ7kNvwEpVCgv&#038;_nc_oc=AdrHwJ_cvl_JZolNmehuDm8NfAJdWB9T5n9jgKs4atoPa6mJGiG9M8TqU3GeJDILds4uZUqwF8D8c-tagJgIqaES&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQK19SqHaBYGC5e7bQsuZBJDBnQoioHWV7Rny6fXQ1JNhDn_vfd77tX2kUtQrnW2aMSBhiGRAnvJZQ&#038;oh=00_AQO0diGL69FMl1o_nN07KqIiu_2c0IM1yjO6WzJrHgSzFQ&#038;oe=6AD4068E\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/639442865_17988685238941666_5005184546485880908_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=100&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=cKgMv55S_pkQ7kNvwEpVCgv&amp;_nc_oc=AdrHwJ_cvl_JZolNmehuDm8NfAJdWB9T5n9jgKs4atoPa6mJGiG9M8TqU3GeJDILds4uZUqwF8D8c-tagJgIqaES&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQK19SqHaBYGC5e7bQsuZBJDBnQoioHWV7Rny6fXQ1JNhDn_vfd77tX2kUtQrnW2aMSBhiGRAnvJZQ&amp;oh=00_AQO0diGL69FMl1o_nN07KqIiu_2c0IM1yjO6WzJrHgSzFQ&amp;oe=6AD4068E&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/639442865_17988685238941666_5005184546485880908_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=100&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=cKgMv55S_pkQ7kNvwEpVCgv&amp;_nc_oc=AdrHwJ_cvl_JZolNmehuDm8NfAJdWB9T5n9jgKs4atoPa6mJGiG9M8TqU3GeJDILds4uZUqwF8D8c-tagJgIqaES&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQK19SqHaBYGC5e7bQsuZBJDBnQoioHWV7Rny6fXQ1JNhDn_vfd77tX2kUtQrnW2aMSBhiGRAnvJZQ&amp;oh=00_AQO0diGL69FMl1o_nN07KqIiu_2c0IM1yjO6WzJrHgSzFQ&amp;oe=6AD4068E&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/639442865_17988685238941666_5005184546485880908_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=100&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=cKgMv55S_pkQ7kNvwEpVCgv&amp;_nc_oc=AdrHwJ_cvl_JZolNmehuDm8NfAJdWB9T5n9jgKs4atoPa6mJGiG9M8TqU3GeJDILds4uZUqwF8D8c-tagJgIqaES&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQK19SqHaBYGC5e7bQsuZBJDBnQoioHWV7Rny6fXQ1JNhDn_vfd77tX2kUtQrnW2aMSBhiGRAnvJZQ&amp;oh=00_AQO0diGL69FMl1o_nN07KqIiu_2c0IM1yjO6WzJrHgSzFQ&amp;oe=6AD4068E&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/639442865_17988685238941666_5005184546485880908_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=100&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0FST1VTRUxfSVRFTS5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=cKgMv55S_pkQ7kNvwEpVCgv&amp;_nc_oc=AdrHwJ_cvl_JZolNmehuDm8NfAJdWB9T5n9jgKs4atoPa6mJGiG9M8TqU3GeJDILds4uZUqwF8D8c-tagJgIqaES&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQK19SqHaBYGC5e7bQsuZBJDBnQoioHWV7Rny6fXQ1JNhDn_vfd77tX2kUtQrnW2aMSBhiGRAnvJZQ&amp;oh=00_AQO0diGL69FMl1o_nN07KqIiu_2c0IM1yjO6WzJrHgSzFQ&amp;oe=6AD4068E&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Finan\u010dn\u00ed klid neza\u010d\u00edn\u00e1 vy\u0161\u0161\u00edm p\u0159\u00edjmem \u23f3  Kdy\u017e jsem<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Finan\u010dn\u00ed klid neza\u010d\u00edn\u00e1 vy\u0161\u0161\u00edm p\u0159\u00edjmem \u23f3\n\nKdy\u017e jsem se pod\u00edvala do kalend\u00e1\u0159e a uv\u011bdomila si, \u017ee dnes za\u010d\u00edn\u00e1 obdob\u00ed p\u016fstu, napadlo m\u011b: Co kdybychom si zkusili dop\u0159\u00e1t i finan\u010dn\u00ed p\u016fst? Ne od pen\u011bz, ALE od chaosu, stresu a nep\u0159ehlednosti.\n\nMnoho lid\u00ed nem\u00e1 probl\u00e9m s nedostatkem pen\u011bz, pouze s t\u00edm, \u017ee se ve sv\u00fdch financ\u00edch nevyznaj\u00ed. \n\nFinance toti\u017e nejsou jen v\u00fdplata a \u00fa\u010dty. Pat\u0159\u00ed do nich p\u0159\u00edjmy, v\u00fddaje, z\u00e1vazky, rezervy, poji\u0161t\u011bn\u00ed, bydlen\u00ed, podnik\u00e1n\u00ed.. A kdy\u017e tyto oblasti nemaj\u00ed syst\u00e9m, vznik\u00e1 pocit, \u017ee se v nich top\u00edme.\n\nMo\u017en\u00e1 to zn\u00e1te:\n\u2022 nev\u00edte, kolik opravdu utr\u00e1c\u00edte\n\u2022 odkl\u00e1d\u00e1te kontrolu \u00fa\u010dtu\n\u2022 m\u00e1te produkty, kter\u00fdm \u00fapln\u011b nerozum\u00edte\n\u2022 finance \u0159e\u0161\u00edte a\u017e ve chv\u00edli, kdy je probl\u00e9m\n\nPokud jste se v n\u011b\u010dem poznali, nejste sami. \n\n\ud83d\udca1Pr\u00e1v\u011b proto dnes za\u010d\u00edn\u00e1 s\u00e9rie Finan\u010dn\u00ed detox. \nV n\u00e1sleduj\u00edc\u00edch t\u00fddnech v\u00e1s provedu krok za krokem: \n\u2192 od chaosu k p\u0159ehledu\u2028\u2192 od stresu k jistot\u011b\u2028\u2192 od reagov\u00e1n\u00ed k pl\u00e1nov\u00e1n\u00ed\n\nProto\u017ee finan\u010dn\u00ed klid neza\u010d\u00edn\u00e1 vy\u0161\u0161\u00edm p\u0159\u00edjmem.\u2028Za\u010d\u00edn\u00e1 p\u0159ehledem.\n\nTento t\u00fdden za\u010d\u00edn\u00e1me t\u00edm nejd\u016fle\u017eit\u011bj\u0161\u00edm: uv\u011bdom\u011bn\u00edm, kde chaos vznik\u00e1. \n\nPokud chcete b\u00fdt u toho, sledujte m\u011b @financesimkovamartina a pod\u00edvejte se i na \u010dl\u00e1nek na str\u00e1nk\u00e1ch - odkaz v bio.\n\n#finance #financnidetox #financnipust #ceskebudejovice #financnigramotnost\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_video sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17986362623936292\" data-date=\"1771236126\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/reel\/DU0IYyTjE59\/\" target=\"_blank\" rel=\"noopener 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class=\"sbi-screenreader\">Co by v\u00e1s na takov\u00e9 finan\u010dn\u00ed v\u00fdzv\u011b nejv\u00edc zaj\u00edmalo<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Co by v\u00e1s na takov\u00e9 finan\u010dn\u00ed v\u00fdzv\u011b nejv\u00edc zaj\u00edmalo nebo s \u010d\u00edm byste pot\u0159ebovali pomoct? \ud83d\udc47\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17999944649707617\" data-date=\"1770031199\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DUQOBc5DC96\/\" target=\"_blank\" rel=\"noopener 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class=\"sbi-screenreader\">@money2u.cz dlouhodob\u011b vytv\u00e1\u0159\u00ed srozumiteln\u00e9 p\u0159\u00edsp\u011b<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"@money2u.cz dlouhodob\u011b vytv\u00e1\u0159\u00ed srozumiteln\u00e9 p\u0159\u00edsp\u011bvky k r\u016fzn\u00fdm vzd\u011bl\u00e1vac\u00edm t\u00e9mat\u016fm z oblasti financ\u00ed \ud83d\udca1R\u00e1da tu s v\u00e1mi jejich obsah sd\u00edl\u00edm. \n\nTentokr\u00e1t bych r\u00e1da nav\u00e1zala na jejich posledn\u00ed t\u00e9ma, kter\u00e9 se t\u00fdkalo vytvo\u0159en\u00ed finan\u010dn\u00edho pl\u00e1nu na rok 2026.\n\nZa\u010d\u00e1tek roku je opravdu ide\u00e1ln\u00ed chv\u00edle ud\u011blat si po\u0159\u00e1dek ve financ\u00edch. Nemus\u00edte m\u00edt hned dokonal\u00fd pl\u00e1n- d\u016fle\u017eit\u00e9 je za\u010d\u00edt a v\u011bd\u011bt, kam va\u0161e pen\u00edze sm\u011b\u0159uj\u00ed.\n\nJak na to jednodu\u0161e a bez zbyte\u010dn\u00e9ho stresu?\n\n\ud83d\udfe1 Ud\u011blejte si p\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch\nSepi\u0161te si, kolik pen\u011bz v\u00e1m pravideln\u011b p\u0159ich\u00e1z\u00ed a kolik odch\u00e1z\u00ed. Bez z\u00e1kladn\u00edho p\u0159ehledu se \u017e\u00e1dn\u00fd pl\u00e1n d\u011blat ned\u00e1.\n\n\ud83d\udfe1 Myslete i na nepravideln\u00e9 v\u00fddaje\nDovolen\u00e9, servis auta, poji\u0161t\u011bn\u00ed, d\u00e1rky nebo dan\u011b. Pr\u00e1v\u011b tyto v\u00fddaje \u010dasto zp\u016fsob\u00ed, \u017ee se rozpo\u010det \u201erozsype\u201c.\n\n\ud83d\udfe1 Stanovte si konkr\u00e9tn\u00ed c\u00edle\nFinan\u010dn\u00ed rezerva, vlastn\u00ed bydlen\u00ed, investice, zaji\u0161t\u011bn\u00ed d\u011bt\u00ed nebo klidn\u00fd d\u016fchod. C\u00edle d\u00e1vaj\u00ed pen\u011bz\u016fm sm\u011br a smysl.\n\n\ud83d\udfe1 Vytvo\u0159te si finan\u010dn\u00ed rezervu\nIde\u00e1ln\u011b ve v\u00fd\u0161i 3\u20136 m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Rezerva nen\u00ed luxus, ale z\u00e1kladn\u00ed jistota pro ne\u010dekan\u00e9 situace.\n\n\ud83d\udfe1 Pl\u00e1n pravideln\u011b kontrolujte a upravujte\n\u017divot se m\u011bn\u00ed a finan\u010dn\u00ed pl\u00e1n by se m\u011bl m\u011bnit s n\u00edm. To, co platilo loni, nemus\u00ed fungovat v roce 2026.\n\nFinan\u010dn\u00ed pl\u00e1n nen\u00ed o omezov\u00e1n\u00ed, ale o klidu, kontrole a svobod\u011b rozhodov\u00e1n\u00ed. A pr\u00e1v\u011b komplexn\u00ed p\u0159\u00edstup je kl\u00ed\u010dem k tomu, aby pl\u00e1n fungoval dlouhodob\u011b.\n\nPokud si nejste jist\u00ed, zda m\u00e1te v\u0161e spr\u00e1vn\u011b nastaven\u00e9, nebo chcete pl\u00e1n vytvo\u0159it spole\u010dn\u011b, ur\u010dit\u011b se mi ozv\u011bte @financesimkovamartina  Finan\u010dn\u00ed poradenstv\u00ed toti\u017e nen\u00ed o jednom produktu, ale o celkov\u00e9m pohledu.\n\n#financniplan #finan\u010dn\u00edgramotnost #finan\u010dn\u00edporadenstv\u00ed #finance #ceskebudejovice\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_17955009927026598\" data-date=\"1767957118\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DTSa1N5jGIB\/\" target=\"_blank\" rel=\"noopener 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class=\"sbi-screenreader\">I v nov\u00e9m roce V\u00e1m r\u00e1da pomohu m\u00edt finance pod kon<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"I v nov\u00e9m roce V\u00e1m r\u00e1da pomohu m\u00edt finance pod kontrolou\u2013 jednodu\u0161e, jasn\u011b a srozumiteln\u011b.\n\n\u25aa\ufe0fOsobn\u00ed konzultace\u2028Spole\u010dn\u011b projdeme Va\u0161i situaci a najdeme nejlep\u0161\u00ed \u0159e\u0161en\u00ed pro V\u00e1s.\n\u25aa\ufe0fServis finan\u010dn\u00edch produkt\u016f\u2028Pomohu V\u00e1m s v\u00fdb\u011brem, spr\u00e1vou a optimalizac\u00ed Va\u0161ich finan\u010dn\u00edch produkt\u016f.\n\u25aa\ufe0fP\u0159edn\u00e1\u0161ky a vzd\u011bl\u00e1vac\u00ed programy\u2028Nau\u010dte se l\u00e9pe spravovat sv\u00e9 finance\u2013 pro jednotlivce, firmy i skupiny.\n\u25aa\ufe0fRady a zku\u0161enosti\u2028V\u00edce ne\u017e 25 let praxe\u2013 vyu\u017eijte m\u00fdch znalost\u00ed k lep\u0161\u00edm finan\u010dn\u00edm rozhodnut\u00edm.\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_video sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18076677697972756\" data-date=\"1757340561\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/reel\/DOWBSv6jAWf\/\" target=\"_blank\" rel=\"noopener 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class=\"sbi-screenreader\">Kdy\u017e jde o va\u0161e finance, nic nenech\u00e1v\u00e1m n\u00e1hod\u011b.  K<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Kdy\u017e jde o va\u0161e finance, nic nenech\u00e1v\u00e1m n\u00e1hod\u011b.\n\nKa\u017ed\u00fd detail, ka\u017ed\u00fd v\u00fdpo\u010det. V\u0161echno proto, aby va\u0161e rozhodnut\u00ed st\u00e1lo na pevn\u00fdch z\u00e1kladech.\n\n\ud83d\udc49 Hled\u00e1te jistotu v hypot\u00e9k\u00e1ch a financ\u00edch? Ozv\u011bte se, spole\u010dn\u011b najdeme \u0159e\u0161en\u00ed na m\u00edru.\n\n#finance #hypoteka #refinancovani #financnigramotnost #bydleni\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_image sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18033920561540762\" data-date=\"1742199364\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/p\/DHSx0G3g7Vs\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.75761-15\/484635358_17950818923941666_3545867561025105298_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=103&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&#038;_nc_ohc=gHAFAIyeRm8Q7kNvwEWF6wK&#038;_nc_oc=AdpBWbBbdKlienAD7xgn1dFP_kPUs-w-ky2mE2pTpfpPJz8leuOChqwjp-0EZG-Ur7YackLthaWWdaz6R9UY9-Ux&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&#038;_nc_tpa=Q5bMBQJ2gTciG7a_Hob7C5IawXidAkjXE0A4HeYWrsmRrJz3CJVQmBz8yDiCw3noYYPw4XOFhV98NBHnGQ&#038;oh=00_AQOiKndStnXHnkgi1uj7TNEGT1YkRbHPzHNqT1theKd6mg&#038;oe=6AD41DA2\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.75761-15\\\/484635358_17950818923941666_3545867561025105298_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=gHAFAIyeRm8Q7kNvwEWF6wK&amp;_nc_oc=AdpBWbBbdKlienAD7xgn1dFP_kPUs-w-ky2mE2pTpfpPJz8leuOChqwjp-0EZG-Ur7YackLthaWWdaz6R9UY9-Ux&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJ2gTciG7a_Hob7C5IawXidAkjXE0A4HeYWrsmRrJz3CJVQmBz8yDiCw3noYYPw4XOFhV98NBHnGQ&amp;oh=00_AQOiKndStnXHnkgi1uj7TNEGT1YkRbHPzHNqT1theKd6mg&amp;oe=6AD41DA2&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.75761-15\\\/484635358_17950818923941666_3545867561025105298_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=gHAFAIyeRm8Q7kNvwEWF6wK&amp;_nc_oc=AdpBWbBbdKlienAD7xgn1dFP_kPUs-w-ky2mE2pTpfpPJz8leuOChqwjp-0EZG-Ur7YackLthaWWdaz6R9UY9-Ux&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJ2gTciG7a_Hob7C5IawXidAkjXE0A4HeYWrsmRrJz3CJVQmBz8yDiCw3noYYPw4XOFhV98NBHnGQ&amp;oh=00_AQOiKndStnXHnkgi1uj7TNEGT1YkRbHPzHNqT1theKd6mg&amp;oe=6AD41DA2&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.75761-15\\\/484635358_17950818923941666_3545867561025105298_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=gHAFAIyeRm8Q7kNvwEWF6wK&amp;_nc_oc=AdpBWbBbdKlienAD7xgn1dFP_kPUs-w-ky2mE2pTpfpPJz8leuOChqwjp-0EZG-Ur7YackLthaWWdaz6R9UY9-Ux&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJ2gTciG7a_Hob7C5IawXidAkjXE0A4HeYWrsmRrJz3CJVQmBz8yDiCw3noYYPw4XOFhV98NBHnGQ&amp;oh=00_AQOiKndStnXHnkgi1uj7TNEGT1YkRbHPzHNqT1theKd6mg&amp;oe=6AD41DA2&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.75761-15\\\/484635358_17950818923941666_3545867561025105298_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=103&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiRkVFRC5iZXN0X2ltYWdlX3VybGdlbi5DMyJ9&amp;_nc_ohc=gHAFAIyeRm8Q7kNvwEWF6wK&amp;_nc_oc=AdpBWbBbdKlienAD7xgn1dFP_kPUs-w-ky2mE2pTpfpPJz8leuOChqwjp-0EZG-Ur7YackLthaWWdaz6R9UY9-Ux&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=7O22E1bX0gaqE5QT3bJdDA&amp;_nc_tpa=Q5bMBQJ2gTciG7a_Hob7C5IawXidAkjXE0A4HeYWrsmRrJz3CJVQmBz8yDiCw3noYYPw4XOFhV98NBHnGQ&amp;oh=00_AQOiKndStnXHnkgi1uj7TNEGT1YkRbHPzHNqT1theKd6mg&amp;oe=6AD41DA2&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">Chcete m\u00edt ve sv\u00fdch financ\u00edch v\u011bt\u0161\u00ed p\u0159ehled, m\u00e9n\u011b<\/span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Chcete m\u00edt ve sv\u00fdch financ\u00edch v\u011bt\u0161\u00ed p\u0159ehled, m\u00e9n\u011b zbyte\u010dn\u00fdch v\u00fddaj\u016f a v\u00edce klidu? P\u0159idejte se ke mn\u011b na m\u011bs\u00ed\u010dn\u00ed v\u00fdzvu FINAN\u010cN\u00cdHO DETOXU! \n\nKa\u017ed\u00fd t\u00fdden se zam\u011b\u0159\u00edme na jedno t\u00e9ma, kter\u00e9 v\u00e1m pom\u016f\u017ee postupn\u011b ud\u011blat po\u0159\u00e1dek ve financ\u00edch \u2728\n\n#financesimkovamartina\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div><div class=\"sbi_item sbi_type_video sbi_new sbi_transition\" role=\"listitem\"\n\tid=\"sbi_18295018078226999\" data-date=\"1734686188\">\n\t<div class=\"sbi_photo_wrap\">\n\t\t<a class=\"sbi_photo\" href=\"https:\/\/www.instagram.com\/reel\/DDy14kRgQQ9\/\" target=\"_blank\" rel=\"noopener nofollow\"\n\t\t\tdata-full-res=\"https:\/\/scontent-prg1-1.cdninstagram.com\/v\/t51.82787-15\/612676578_17984133524941666_8307727495458125941_n.jpg?stp=dst-jpg_e35_tt6&#038;_nc_cat=105&#038;ccb=7-5&#038;_nc_sid=18de74&#038;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&#038;_nc_ohc=Ll6EiyYdOSsQ7kNvwEbY5Kb&#038;_nc_oc=Adr91VrbcfH0BV5ZT2KkDPlsYDy61AG18WBznhnPto6uxYomJGQ3sueBGfoj78vkhOfGh0CdM6NsDYswfWbeY4C1&#038;_nc_zt=23&#038;_nc_ht=scontent-prg1-1.cdninstagram.com&#038;edm=ANo9K5cEAAAA&#038;_nc_gid=oqQq5CULzxyUpGDTHwWJfg&#038;_nc_tpa=Q5bMBQLoc5L3uNj35f1s4ADzNdxT3pZO5Dn7szLRqcMuWgw8fP-Cw3YF5HhE4vXGBRlIvE6jaftSTy6Lew&#038;oh=00_AQNx2mmv421y31D9pdwdxoir5y0qrrt0d8IzeXnuzJtxQQ&#038;oe=6AD3F998\"\n\t\t\tdata-img-src-set=\"{&quot;d&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/612676578_17984133524941666_8307727495458125941_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=Ll6EiyYdOSsQ7kNvwEbY5Kb&amp;_nc_oc=Adr91VrbcfH0BV5ZT2KkDPlsYDy61AG18WBznhnPto6uxYomJGQ3sueBGfoj78vkhOfGh0CdM6NsDYswfWbeY4C1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=oqQq5CULzxyUpGDTHwWJfg&amp;_nc_tpa=Q5bMBQLoc5L3uNj35f1s4ADzNdxT3pZO5Dn7szLRqcMuWgw8fP-Cw3YF5HhE4vXGBRlIvE6jaftSTy6Lew&amp;oh=00_AQNx2mmv421y31D9pdwdxoir5y0qrrt0d8IzeXnuzJtxQQ&amp;oe=6AD3F998&quot;,&quot;150&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/612676578_17984133524941666_8307727495458125941_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=Ll6EiyYdOSsQ7kNvwEbY5Kb&amp;_nc_oc=Adr91VrbcfH0BV5ZT2KkDPlsYDy61AG18WBznhnPto6uxYomJGQ3sueBGfoj78vkhOfGh0CdM6NsDYswfWbeY4C1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=oqQq5CULzxyUpGDTHwWJfg&amp;_nc_tpa=Q5bMBQLoc5L3uNj35f1s4ADzNdxT3pZO5Dn7szLRqcMuWgw8fP-Cw3YF5HhE4vXGBRlIvE6jaftSTy6Lew&amp;oh=00_AQNx2mmv421y31D9pdwdxoir5y0qrrt0d8IzeXnuzJtxQQ&amp;oe=6AD3F998&quot;,&quot;320&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/612676578_17984133524941666_8307727495458125941_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=Ll6EiyYdOSsQ7kNvwEbY5Kb&amp;_nc_oc=Adr91VrbcfH0BV5ZT2KkDPlsYDy61AG18WBznhnPto6uxYomJGQ3sueBGfoj78vkhOfGh0CdM6NsDYswfWbeY4C1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=oqQq5CULzxyUpGDTHwWJfg&amp;_nc_tpa=Q5bMBQLoc5L3uNj35f1s4ADzNdxT3pZO5Dn7szLRqcMuWgw8fP-Cw3YF5HhE4vXGBRlIvE6jaftSTy6Lew&amp;oh=00_AQNx2mmv421y31D9pdwdxoir5y0qrrt0d8IzeXnuzJtxQQ&amp;oe=6AD3F998&quot;,&quot;640&quot;:&quot;https:\\\/\\\/scontent-prg1-1.cdninstagram.com\\\/v\\\/t51.82787-15\\\/612676578_17984133524941666_8307727495458125941_n.jpg?stp=dst-jpg_e35_tt6&amp;_nc_cat=105&amp;ccb=7-5&amp;_nc_sid=18de74&amp;efg=eyJlZmdfdGFnIjoiQ0xJUFMuYmVzdF9pbWFnZV91cmxnZW4uQzMifQ%3D%3D&amp;_nc_ohc=Ll6EiyYdOSsQ7kNvwEbY5Kb&amp;_nc_oc=Adr91VrbcfH0BV5ZT2KkDPlsYDy61AG18WBznhnPto6uxYomJGQ3sueBGfoj78vkhOfGh0CdM6NsDYswfWbeY4C1&amp;_nc_zt=23&amp;_nc_ht=scontent-prg1-1.cdninstagram.com&amp;edm=ANo9K5cEAAAA&amp;_nc_gid=oqQq5CULzxyUpGDTHwWJfg&amp;_nc_tpa=Q5bMBQLoc5L3uNj35f1s4ADzNdxT3pZO5Dn7szLRqcMuWgw8fP-Cw3YF5HhE4vXGBRlIvE6jaftSTy6Lew&amp;oh=00_AQNx2mmv421y31D9pdwdxoir5y0qrrt0d8IzeXnuzJtxQQ&amp;oe=6AD3F998&quot;}\">\n\t\t\t<span class=\"sbi-screenreader\">V\u010derej\u0161\u00ed p\u0159edv\u00e1no\u010dn\u00ed posezen\u00ed \u2728  D\u011bkujeme v\u0161em, kt<\/span>\n\t\t\t\t\t\t<svg style=\"color: rgba(255,255,255,1)\" class=\"svg-inline--fa fa-play fa-w-14 sbi_playbtn\" aria-label=\"Play\" aria-hidden=\"true\" data-fa-processed=\"\" data-prefix=\"fa\" data-icon=\"play\" role=\"presentation\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg>\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"V\u010derej\u0161\u00ed p\u0159edv\u00e1no\u010dn\u00ed posezen\u00ed \u2728 \nD\u011bkujeme v\u0161em, kte\u0159\u00ed za n\u00e1mi zastavili- za \u00fasm\u011bvy, slova i energii, kterou jsme si navz\u00e1jem p\u0159edali! #financesimkovamartina\" 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class=\"sbi-screenreader\">Jak si u\u017e\u00edt V\u00e1noce v klidu a bez finan\u010dn\u00edho stresu<\/span>\n\t\t\t<svg class=\"svg-inline--fa fa-clone fa-w-16 sbi_lightbox_carousel_icon\" aria-hidden=\"true\" aria-label=\"Clone\" data-fa-pro\u0192cessed=\"\" data-prefix=\"far\" data-icon=\"clone\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\">\n                    <path fill=\"currentColor\" d=\"M464 0H144c-26.51 0-48 21.49-48 48v48H48c-26.51 0-48 21.49-48 48v320c0 26.51 21.49 48 48 48h320c26.51 0 48-21.49 48-48v-48h48c26.51 0 48-21.49 48-48V48c0-26.51-21.49-48-48-48zM362 464H54a6 6 0 0 1-6-6V150a6 6 0 0 1 6-6h42v224c0 26.51 21.49 48 48 48h224v42a6 6 0 0 1-6 6zm96-96H150a6 6 0 0 1-6-6V54a6 6 0 0 1 6-6h308a6 6 0 0 1 6 6v308a6 6 0 0 1-6 6z\"><\/path>\n                <\/svg>\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/simkovamartina.cz\/wp-content\/plugins\/instagram-feed\/img\/placeholder.png\" alt=\"Jak si u\u017e\u00edt V\u00e1noce v klidu a bez finan\u010dn\u00edho stresu?\n\n\ud83c\udf81 1. Vyhn\u011bte se p\u016fj\u010dk\u00e1m na d\u00e1rky\n\u2022 Nen\u00ed nutn\u00e9 se zadlu\u017eovat kv\u016fli sv\u00e1tk\u016fm. V\u00e1noce nejsou o cen\u011b d\u00e1rk\u016f, ale o jejich v\u00fdznamu. Pokud m\u00e1te omezen\u00fd rozpo\u010det, zkuste nab\u00eddnout sv\u016fj \u010das nebo pomoc- t\u0159eba upe\u010dte cukrov\u00ed, pohl\u00eddejte d\u011bti nebo vytvo\u0159te osobn\u00ed d\u00e1rek. Tyto drobnosti mohou m\u00edt v\u011bt\u0161\u00ed hodnotu ne\u017e cokoliv koupen\u00e9ho.\n\n\ud83c\udf84 2. Pl\u00e1nujte posledn\u00ed v\u00fddaje\n\u2022 I kdy\u017e u\u017e v\u011bt\u0161ina z n\u00e1s m\u00e1 d\u00e1rky a v\u00fdzdobu hotovou, st\u00e1le se bl\u00ed\u017e\u00ed v\u00fddaje spojen\u00e9 s j\u00eddlem, sv\u00e1te\u010dn\u00edmi setk\u00e1n\u00edmi nebo cestov\u00e1n\u00edm. Dr\u017ete se rozpo\u010dtu a nakupujte s rozmyslem, a\u0165 v\u00e1s nic nep\u0159ekvap\u00ed.\n\n\ud83d\udca1 3. Myslete na pov\u00e1no\u010dn\u00ed v\u00fddaje\n\u2022 Leden m\u016f\u017ee b\u00fdt finan\u010dn\u011b n\u00e1ro\u010dn\u00fd. M\u00edt finan\u010dn\u00ed rezervu na b\u011b\u017en\u00e9 v\u00fddaje jako energie, spl\u00e1tky nebo ne\u010dekan\u00e9 situace v\u00e1m zajist\u00ed klid. Nav\u00edc nezapome\u0148te, \u017ee pov\u00e1no\u010dn\u00ed slevy l\u00e1kaj\u00ed, ale nenakupujte v\u011bci, kter\u00e9 nepot\u0159ebujete.\n\n\u2728 4. Dejte si finan\u010dn\u00ed p\u0159edsevzet\u00ed\n\u2022 Po V\u00e1noc\u00edch je ide\u00e1ln\u00ed \u010das zhodnotit leto\u0161n\u00ed rozpo\u010det a nastavit si c\u00edle na p\u0159\u00ed\u0161t\u00ed rok. M\u016f\u017ee to b\u00fdt t\u0159eba pravideln\u00e1 \u00faspora na dovolenou, investice nebo jen odkl\u00e1d\u00e1n\u00ed mal\u00e9 \u010d\u00e1stky m\u011bs\u00ed\u010dn\u011b na spln\u011bn\u00ed dlouhodob\u00fdch sn\u016f. Ka\u017ed\u00fd krok se po\u010d\u00edt\u00e1!\n\nV\u00e1noce jsou \u010dasem sd\u00edlen\u00ed a radosti, ne z\u00e1vodem o nejdra\u017e\u0161\u00ed d\u00e1rek. Udr\u017ete si klid v srdci i ve sv\u00e9 pen\u011b\u017eence a vykro\u010dte do nov\u00e9ho roku s finan\u010dn\u00edmi c\u00edli, kter\u00e9 v\u00e1s budou posouvat vp\u0159ed!\n\n#vanocevklidu #bezfinancnihostresu #tipy #darky #vydaje #financnipredsevzeti #financesimkovamartina\" aria-hidden=\"true\">\n\t\t<\/a>\n\t<\/div>\n<\/div>\t<\/div>\n\n\t<div id=\"sbi_load\" >\n\n\t<div class=\"sbi-screenreader\" aria-live=\"polite\" aria-atomic=\"true\" data-sbi-feed-status><\/div>\n\n\t\t\t<button class=\"sbi_load_btn\"\n\t\t\ttype=\"button\" >\n\t\t\t<span class=\"sbi_btn_text\" >Load More<\/span>\n\t\t\t<span class=\"sbi_loader sbi_hidden\" style=\"background-color: rgb(255, 255, 255);\" aria-hidden=\"true\"><\/span>\n\t\t<\/button>\n\t\n\t\t\t<span class=\"sbi_follow_btn sbi_custom\" >\n\t\t\t<a target=\"_blank\"\n\t\t\t\trel=\"nofollow noopener\"  href=\"https:\/\/www.instagram.com\/financesimkovamartina\/\" style=\"background: rgb(64,139,209);\">\n\t\t\t\t<svg class=\"svg-inline--fa 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