{"id":19631,"date":"2021-03-25T15:38:27","date_gmt":"2021-03-25T15:38:27","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19631"},"modified":"2021-03-25T15:38:30","modified_gmt":"2021-03-25T15:38:30","slug":"como-nao-pagar-mais-contas-em-atraso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/como-nao-pagar-mais-contas-em-atraso\/","title":{"rendered":"Jak p\u0159estat platit pozdn\u00ed \u00fa\u010dty"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-contas-em-atraso-\"><strong>\u00da\u010dty po splatnosti<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Contas em atraso (Imagem: JornalExclusivo)\"  id=\"19688\" src=\"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">\u00da\u010dty po splatnosti (Obr\u00e1zek: JornalExclusivo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mnoho lid\u00ed trp\u00ed r\u016fzn\u00fdmi <strong>\u00fa\u010dty po splatnosti<\/strong>. K tomu v\u0161emu nepochybn\u011b p\u0159isp\u00edv\u00e1 ekonomick\u00e1 realita zem\u011b. Brazilci se mus\u00ed ka\u017ed\u00fd den pot\u00fdkat s nov\u00fdm probl\u00e9mem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Proto je nezbytn\u00e9 hledat alternativy, jak tuto situaci zvr\u00e1tit. Takto je mo\u017en\u00e9 se dostat z \u010derven\u00fdch \u010d\u00edsel a za\u010d\u00edt investovat do vlastn\u00edch projekt\u016f. To je v\u0161ak \u00fakol, kter\u00fd vy\u017eaduje hodn\u011b v\u00fdzkumu a \u00fasil\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Abychom v\u00e1m pomohli, p\u0159ipravili jsme tohoto kompletn\u00edho pr\u016fvodce. Zde budete v\u011bd\u011bt, jak se toho zbavit <strong>\u00fa\u010dty po splatnosti<\/strong>. Zjist\u011bte, jak v\u00e1s n\u011bkter\u00e9 postoje mohou p\u0159ibl\u00ed\u017eit k dosa\u017een\u00ed finan\u010dn\u00ed autonomie.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-como-n%C3%A3o-pagar-mais-contas-em-atraso-\"><strong>Jak p\u0159estat platit pozdn\u00ed \u00fa\u010dty<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como n\u00e3o pagar mais contas em atraso (Imagem: UOL)\"  id=\"19690\" src=\"https:\/\/ucarecdn.com\/ca4f0cd1-e6a8-4797-b400-80ff91d02e79\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak p\u0159estat platit pozdn\u00ed \u00fa\u010dty (Obr\u00e1zek: UOL)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je obt\u00ed\u017en\u00fd pl\u00e1n pro ka\u017ed\u00e9ho, kdo je ji\u017e zadlu\u017een\u00fd. Nyn\u00ed nepochybn\u011b existuj\u00ed zaj\u00edmav\u00e9 alternativy, jak dos\u00e1hnout t\u00e9to \u00farovn\u011b. V prvn\u00ed \u0159ad\u011b si tedy mus\u00edte b\u00fdt v\u011bdomi sv\u00e9 finan\u010dn\u00ed situace. Teprve pot\u00e9 lze rozhodnout.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pozd\u011bji najdete neomyln\u00e9 tipy, jak se z t\u00e9to situace dostat. Brzy uvid\u00edte, \u017ee existuj\u00ed n\u011bkter\u00e9 prvky, kter\u00e9 se neust\u00e1le opakuj\u00ed. Chcete-li se zbavit zpo\u017ed\u011bn\u00ed, mus\u00edte jim zabr\u00e1nit.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-descubra-como-manter-suas-contas-em-dia-\"><strong>Zjist\u011bte, jak udr\u017eovat sv\u00e9 \u00fa\u010dty aktu\u00e1ln\u00ed<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Descubra como manter suas contas em dia (Imagem: Pinterest)\"  id=\"19691\" src=\"https:\/\/ucarecdn.com\/23a8a1b3-052c-4378-9962-e3d4c41e0408\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Zjist\u011bte, jak udr\u017eovat sv\u00e9 \u00fa\u010dty aktu\u00e1ln\u00ed (Obr\u00e1zek: Pinterest)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kl\u00ed\u010dov\u00e9 slovo je organizace. Mus\u00edte p\u0159edem zn\u00e1t v\u0161echny sv\u00e9 dluhy. Nebudete schopni zaplatit v\u0161e v\u010das, pokud si ani nepamatujete, co dlu\u017e\u00edte. Ud\u011blejte si proto kompletn\u00ed pl\u00e1n sv\u00fdch financ\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na za\u010d\u00e1tku, pokud jste ji\u017e zadlu\u017eeni, nebude snadn\u00e9 se zorganizovat. Nenechte se v\u0161ak odradit. M\u011bjte na pam\u011bti, \u017ee kone\u010dn\u00fd v\u00fdsledek v\u017edy stoj\u00ed za ve\u0161kerou n\u00e1mahu.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1ON0hg\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"5 tip\u016f, jak za\u010d\u00edt s finan\u010dn\u00ed kontrolou\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/5-dicas-para-iniciar-seu-controle-financeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"5 tip\u016f, jak za\u010d\u00edt s finan\u010dn\u00ed kontrolou\">\n            5 tip\u016f, jak za\u010d\u00edt s finan\u010dn\u00ed kontrolou        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Existuje n\u011bkolik zp\u016fsob\u016f, jak zah\u00e1jit finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed, v\u010detn\u011b aplikac\u00ed, kter\u00e9 v\u00e1m s t\u00edmto procesem mohou pomoci! Pod\u00edvejte se na nep\u0159ehl\u00e9dnuteln\u00e9 tipy, kter\u00e9 jsme pro v\u00e1s sestavili        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                5 tip\u016f, jak za\u010d\u00edt s finan\u010dn\u00ed kontrolou              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-por-que-%C3%A9-importante-n%C3%A3o-pagar-contas-em-atraso-\"><strong>Pro\u010d je d\u016fle\u017eit\u00e9 neplatit zpo\u017ed\u011bn\u00e9 \u00fa\u010dty?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Por que \u00e9 importante manter suas contas em dia? (Imagem: Organizze)\"  id=\"19695\" src=\"https:\/\/ucarecdn.com\/5fb12413-c26b-42c7-8e74-efac7177a8e3\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Pro\u010d je d\u016fle\u017eit\u00e9 udr\u017eovat sv\u00e9 \u00fa\u010dty aktu\u00e1ln\u00ed? (Obr\u00e1zek: Organizze)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sly\u0161eli jste n\u011bkdy pojem sn\u011bhov\u00e1 koule? Kdy\u017e m\u00e1te <strong>\u00fa\u010dty po splatnosti<\/strong>, vstoup\u00edte do chaotick\u00e9ho vesm\u00edru. Tak\u017ee budete v\u017edy dlu\u017eit pen\u00edze a m\u016f\u017eete se s klidem rozlou\u010dit. Dluh ovliv\u0148uje v\u0161echny aspekty va\u0161eho \u017eivota, osobn\u00edho i profesn\u00edho.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Poj\u010fme se tedy pod\u00edvat na d\u016fsledky toho, \u017ee se ocitnete v t\u00e9to situaci. Uv\u011bdomte si, \u017ee to jsou p\u0159esn\u011b ty d\u016fvody, pro\u010d se sna\u017eit tohoto stavu zbavit.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-1-estresse-emocional-\"><strong>1- Emocion\u00e1ln\u00ed stres<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"1- Estresse emocional (Imagem: Telavita)\"  id=\"19697\" src=\"https:\/\/ucarecdn.com\/b1ae6f1d-4e34-4897-b797-1d4dffa8ac90\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">1- Emocion\u00e1ln\u00ed stres (Obr\u00e1zek: Telavita)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159edstavte si, \u017ee v\u00edte, \u017ee dlu\u017e\u00edte pen\u00edze, a nep\u0159em\u00fd\u0161l\u00edte o \u017e\u00e1dn\u00e9m efektivn\u00edm \u0159e\u0161en\u00ed, jak se z toho dostat. Stres a \u00fazkost, kter\u00e9 to zp\u016fsobuje, je absurdn\u00ed. Tak\u017ee jste neust\u00e1le unaven\u00ed a hled\u00e1te mo\u017enosti.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-2-sem-credibilidade-\"><strong>2- \u017d\u00e1dn\u00e1 d\u016fv\u011bryhodnost<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"2- Sem credibilidade (Imagem: CollbusinessNews)\"  id=\"19698\" src=\"https:\/\/ucarecdn.com\/a475cd73-ae6d-4fdf-a768-ff058edbac81\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">2- \u017d\u00e1dn\u00e1 d\u016fv\u011bryhodnost (Obr\u00e1zek: CollbusinessNews)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nikdo nev\u011b\u0159\u00ed n\u011bkomu, kdo je zadlu\u017een\u00fd. To plat\u00ed zejm\u00e9na, kdy\u017e mluv\u00edme o bank\u00e1ch a finan\u010dn\u00edch instituc\u00edch. Z\u00edsk\u00e1n\u00ed \u00fav\u011brov\u00e9 linky je proto mnohem slo\u017eit\u011bj\u0161\u00ed ne\u017e obvykle.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-3-sem-perspectiva-de-futuro-\"><strong>3- \u017d\u00e1dn\u00e1 perspektiva do budoucna<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"3- Sem perspectiva de futuro (Imagem: Decep\u00e7\u00f5esCorporativas)\"  id=\"19699\" src=\"https:\/\/ucarecdn.com\/b3f48e9b-e244-4495-9e0b-2ee0e3cf6e64\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">3- \u017d\u00e1dn\u00e1 budouc\u00ed perspektiva (Obr\u00e1zek: Decep\u00e7\u00f5esCorporativas)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kdy\u017e uv\u00edznete v n\u011b\u010dem, nem\u016f\u017eete se posunout vp\u0159ed, \u017ee? V p\u0159\u00edpad\u011b dluhu je logika stejn\u00e1. Proto neexistuje zp\u016fsob, jak p\u0159em\u00fd\u0161let o budouc\u00edch projektech, pokud je va\u0161e p\u0159\u00edtomnost v naprost\u00e9m chaosu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-o-que-acontece-se-voc%C3%AA-ficar-com-as-contas-em-atraso-\"><strong>Co se stane, kdy\u017e zaostanete se sv\u00fdmi \u00fa\u010dty?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que acontece se voc\u00ea ficar com as contas em atraso? (Imagem: Exame)\"  id=\"19700\" src=\"https:\/\/ucarecdn.com\/68167b8e-900b-42a7-bed0-1ef32c6dff83\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Co se stane, kdy\u017e zaostanete se sv\u00fdmi \u00fa\u010dty? (Obr\u00e1zek: zkou\u0161ka)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Krom\u011b toho, co ji\u017e bylo zm\u00edn\u011bno v\u00fd\u0161e, nem\u016f\u017eete finan\u010dn\u011b r\u016fst. Tak\u017ee v\u017edy bude n\u011bjak\u00fd probl\u00e9m k \u0159e\u0161en\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tak\u017ee na sen o lep\u0161\u00edm \u017eivot\u011b m\u016f\u017eete zapomenout. Nicm\u00e9n\u011b, uklidn\u011bte se. D\u00e1me v\u00e1m praktick\u00e1 \u0159e\u0161en\u00ed, kter\u00e1 u\u017e nem\u00e1te <strong>\u00fa\u010dty po splatnosti<\/strong>. S nimi bude v\u0161e leh\u010d\u00ed, to mi v\u011b\u0159te.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"8-dicas-para-n%C3%A3o-pagar-mais-contas-em-atraso-\"><strong>Tipy, jak se vyhnout placen\u00ed zpo\u017ed\u011bn\u00fdch \u00fa\u010dt\u016f<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Dicas para n\u00e3o pagar mais contas em atraso (Imagem: ParceirosdoFuturo)\"  id=\"19701\" src=\"https:\/\/ucarecdn.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Tipy, jak se vyhnout placen\u00ed pozdn\u00edch \u00fa\u010dt\u016f (Obr\u00e1zek: ParceirosdoFuturo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mnoho lid\u00ed se domn\u00edv\u00e1, \u017ee jakmile se faktura zpozd\u00ed, ji\u017e nen\u00ed mo\u017en\u00e9 situaci zvr\u00e1tit. V\u00edce se v\u0161ak m\u00fdlit nemohli. Ano, existuj\u00ed alternativy, kter\u00e9 v\u00e1m mohou pomoci dostat se z t\u00e9to sn\u011bhov\u00e9 koule.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Samoz\u0159ejm\u011b ne v\u0161echny funguj\u00ed na v\u0161echny stejn\u011b. Ka\u017ed\u00fd m\u00e1 toti\u017e svou realitu. S ohledem na to jsme tedy p\u0159i\u0161li s n\u011bkolika mo\u017enostmi. T\u00edmto zp\u016fsobem v\u0161e, co mus\u00edte ud\u011blat, je vybrat ty, o kter\u00fdch si mysl\u00edte, \u017ee by mohly m\u00edt nejv\u011bt\u0161\u00ed \u00fa\u010dinek.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V\u0161imn\u011bte si, \u017ee n\u00ed\u017ee uveden\u00e9 tipy jsou pops\u00e1ny t\u00e9m\u011b\u0159 jako krok za krokem. I tak to ale nen\u00ed probl\u00e9m, pokud chcete pou\u017e\u00edvat jen n\u011bkter\u00e9 z nich. Tak se pod\u00edvej.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"9-crie-um-planejamento-financeiro-\"><strong>Vytvo\u0159te si finan\u010dn\u00ed pl\u00e1n<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Crie um planejamento financeiro (Imagem: F360)\"  id=\"19702\" src=\"https:\/\/ucarecdn.com\/26b0336f-8841-4bd6-9448-d4cbdf2e17eb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Vytvo\u0159te si finan\u010dn\u00ed pl\u00e1n (Obr\u00e1zek: F360)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prvn\u00ed v\u011bc, kterou mus\u00edte pochopit, je, \u017ee bez pl\u00e1nov\u00e1n\u00ed se nic nepohne kup\u0159edu. Nez\u00e1le\u017e\u00ed na tom, zda jste ji\u017e zadlu\u017eeni nebo se tomuto sc\u00e9n\u00e1\u0159i sna\u017e\u00edte vyhnout. Organizace je ur\u010duj\u00edc\u00edm faktorem va\u0161eho finan\u010dn\u00edho \u00fasp\u011bchu. M\u016f\u017eete to hledat, nikdo \u00fasp\u011b\u0161n\u00fd tohoto stavu prac\u00ed s nepo\u0159\u00e1dkem nedos\u00e1hl.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Berte proto tento krok velmi v\u00e1\u017en\u011b. Jedna v\u011bc, kterou m\u016f\u017eete ud\u011blat, je sepsat v\u0161echny sv\u00e9 dluhy. Vezm\u011bte si tedy ty dluhy, kter\u00e9 se opakuj\u00ed, jako je IPVA. Zaregistrujte ka\u017ed\u00fd z nich, kter\u00fd ohro\u017euje v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>T\u00edmto zp\u016fsobem, s datem na dohled, je snaz\u0161\u00ed si zarezervovat pen\u00edze, kter\u00e9 pot\u0159ebujete. Nav\u00edc v\u00e1m to pom\u016f\u017ee nenechat se zasko\u010dit. V\u011b\u0159te mi, je to jedna z nejhor\u0161\u00edch v\u011bc\u00ed, kter\u00e1 se m\u016f\u017ee st\u00e1t.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Samoz\u0159ejm\u011b, \u017ee a nem\u00edt finan\u010dn\u00ed prost\u0159edky na pokryt\u00ed toho, co je nutn\u00e9. Tak\u017ee a\u0165 se to na prvn\u00ed pohled zd\u00e1 jakkoli komplikovan\u00e9, nevzd\u00e1vejte se pl\u00e1nov\u00e1n\u00ed. Myslete na to, \u017ee pokud nejste na n\u011bjak\u00fd \u00fakol zvykl\u00ed, bude to samoz\u0159ejm\u011b obt\u00ed\u017en\u011bj\u0161\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u010cas v\u0161ak tento probl\u00e9m snadno vy\u0159e\u0161\u00ed. Je\u0161t\u011b pozd\u011bji se dozv\u00edte o n\u011bkter\u00fdch n\u00e1stroj\u00edch, d\u00edky kter\u00fdm bude tento proces rychlej\u0161\u00ed a zaj\u00edmav\u011bj\u0161\u00ed.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"10-renegocie-d%C3%ADvidas-antigas-\"><strong>Znovu vyjednat star\u00e9 dluhy<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Renegocie d\u00edvidas antigas (Imagem: Foregon)\"  id=\"19704\" src=\"https:\/\/ucarecdn.com\/267d0d98-ec51-415c-93ea-5aef98fe80fa\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Znovu vyjednat star\u00e9 dluhy (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ty zn\u00e1\u0161 <strong>\u00fa\u010dty po splatnosti<\/strong> kter\u00e9 jsou velmi star\u00e9 a je\u0161t\u011b jste je nemohli zaplatit? M\u016f\u017eete se s nimi vypo\u0159\u00e1dat prakti\u010dt\u011bj\u0161\u00edm zp\u016fsobem. Postupujte tedy podle t\u011bchto 3 krok\u016f n\u00ed\u017ee a zjist\u011bte, jak je mo\u017en\u00e9 tento typ probl\u00e9mu vy\u0159e\u0161it.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"11-1-todos-seus-c%C3%A1lculos-devem-ser-realistas-\"><strong>1- V\u0161echny va\u0161e v\u00fdpo\u010dty mus\u00ed b\u00fdt realistick\u00e9<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"1- Todos seus c\u00e1lculos devem ser realistas (Imagem: SunoResearch)\"  id=\"19707\" src=\"https:\/\/ucarecdn.com\/6c3df739-5955-4222-ba84-d69a62819984\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">1- V\u0161echny va\u0161e v\u00fdpo\u010dty mus\u00ed b\u00fdt realistick\u00e9 (Obr\u00e1zek: SunoResearch)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dejte v\u0161echny sv\u00e9 p\u0159\u00edjmy na pap\u00edr. Pot\u00e9 ode\u010dt\u011bte z\u00e1kladn\u00ed v\u00fddaje a pod\u00edvejte se, kter\u00e9 nadbyte\u010dn\u00e9 lze sn\u00ed\u017eit. Mus\u00edte to ud\u011blat p\u0159ed kontaktov\u00e1n\u00edm banky. Je to proto, \u017ee ti posledn\u00ed v\u00e1m p\u0159edlo\u017e\u00ed n\u00e1vrh.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud tedy nezn\u00e1te svou finan\u010dn\u00ed realitu, nem\u016f\u017eete podepsat \u017e\u00e1dnou smlouvu. Ve skute\u010dnosti m\u016f\u017eete, ale nakonec budete po\u0161kozeni.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"12-2-estude-o-contrato-\"><strong>2- Prostudujte si smlouvu<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"2- Estude o contrato (Imagem: Publicit\u00e1riosCriativos)\"  id=\"19709\" src=\"https:\/\/ucarecdn.com\/8f8a6041-ba8e-44f9-b3c0-8949541547a6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">2- Prostudujte si smlouvu (Obr\u00e1zek: Publicit\u00e1riosCriativos)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Z\u00edskejte svou dluhovou smlouvu a p\u0159e\u010dt\u011bte si ji. Zkontrolujte, zda nejsou \u017e\u00e1dn\u00e9 nesrovnalosti. V\u011b\u0159te mi, \u017ee \u0161ance, \u017ee najdete n\u011bco \u0161patn\u00e9ho, je vy\u0161\u0161\u00ed, ne\u017e si mysl\u00edte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud se tak stane, nev\u00e1hejte to nahl\u00e1sit agentur\u00e1m na ochranu spot\u0159ebitele. T\u00edmto zp\u016fsobem m\u016f\u017eete zlep\u0161it platebn\u00ed podm\u00ednky.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"13-3-entre-em-contato-com-o-banco-\"><strong>3- Kontaktujte banku<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"3- Entre em contato com o banco (Imagem: Direitos)\"  id=\"19711\" src=\"https:\/\/ucarecdn.com\/6d85c456-6364-4657-bb4a-bf0c349e3940\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">3- Kontaktujte banku (Obr\u00e1zek: Pr\u00e1va)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nyn\u00ed \u0159ekn\u011bme, \u017ee jste na sv\u00e9 star\u00e9 smlouv\u011b nena\u0161li \u017e\u00e1dnou chybu. Proto je na \u010dase kontaktovat banku. P\u0159i vysv\u011btlen\u00ed va\u0161\u00ed situace v\u00e1m nab\u00eddnou n\u00e1vrh. Mus\u00ed p\u0159ij\u00edt s lep\u0161\u00edmi platebn\u00edmi podm\u00ednkami.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nemysl\u00ed si v\u0161ak, \u017ee novou smlouvu mus\u00ed hned podepisovat, pr\u00e1v\u011b naopak. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b byste m\u011bli po\u017e\u00e1dat o term\u00edn, abyste to mohli v klidu analyzovat. Tak\u00e9, pokud to pova\u017eujete za \u017eivotaschopn\u00e9, p\u0159ij\u010fte s protin\u00e1vrhem.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pochopte tedy, \u017ee te\u010f nen\u00ed \u010das se styd\u011bt. Jen tak m\u016f\u017eete z\u00edskat lep\u0161\u00ed a efektivn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed pro va\u0161i kapsu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"14-crie-uma-lista-de-compras-de-supermercado-\"><strong>Vytvo\u0159te n\u00e1kupn\u00ed seznam potravin<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Crie uma lista de compras de supermercado (Imagem: IdeiasDecor)\"  id=\"19714\" src=\"https:\/\/ucarecdn.com\/11565685-87e7-443f-8d6c-69bc346b5d51\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Vytvo\u0159te n\u00e1kupn\u00ed seznam potravin (Obr\u00e1zek: IdeiasDecor)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Velk\u00fdm brazilsk\u00fdm zvykem je ned\u011blat si seznam, kdy\u017e jdete dom\u016f na n\u00e1kup. Supermarket je pln\u00fd mo\u017enost\u00ed. T\u00edmto zp\u016fsobem, pokud si nejste v\u011bdomi toho, co pot\u0159ebujete koupit, je to tak. Tak\u017ee se nakonec ztrat\u00edte a utrat\u00edte v\u00edc, ne\u017e byste m\u011bli.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159ed odchodem z domova si proto zkontrolujte celou z\u00e1sobu potravin. Pak si ud\u011blejte seznam v\u0161eho, co v\u00e1m chyb\u00ed. Krom\u011b toho m\u016f\u017eete uv\u00e9st produkty v po\u0159ad\u00ed podle priority. Pokud tedy m\u00e1te limit \u00fatraty, je jednodu\u0161\u0161\u00ed jej nep\u0159ekro\u010dit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nyn\u00ed p\u0159ich\u00e1z\u00ed ta obt\u00ed\u017en\u00e1 \u010d\u00e1st, nepodl\u00e9hejte poku\u0161en\u00ed. Jak u\u017e bylo \u0159e\u010deno, najdete tam r\u016fzn\u00e9 v\u011bci. Sna\u017ete se proto b\u00fdt sv\u00e9mu seznamu co nejv\u011brn\u011bj\u0161\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nep\u0159eh\u00e1n\u011bjte to v\u0161ak. Tip je u\u0161et\u0159it pen\u00edze a nep\u0159ipravovat se o z\u00e1sadn\u00ed v\u011bci. Pamatujte, \u017ee kdy\u017e m\u00e1te pochybnosti, rovnov\u00e1ha je v\u017edy nejlep\u0161\u00edm \u0159e\u0161en\u00edm. Zkr\u00e1tka si uv\u011bdomte, co m\u016f\u017eete konzumovat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u011bkte\u0159\u00ed finan\u010dn\u00ed experti nav\u00edc tvrd\u00ed, \u017ee ud\u011blat jeden n\u00e1kup m\u011bs\u00ed\u010dn\u011b je chyba. Je to proto, \u017ee nakonec budete kupovat nepot\u0159ebn\u00e9 v\u011bci nebo v\u011bci, kter\u00e9 zbydou. Proto rad\u00ed, aby se z\u00e1soby potravin obnovovaly ka\u017ed\u00fd t\u00fdden. Nakupujete tak jen to, co vyu\u017eijete a vyhnete se pl\u00fdtv\u00e1n\u00ed.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"15-cuidado-com-contas-em-atraso-do-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Dejte si pozor na splatn\u00e9 \u00fa\u010dty za kreditn\u00ed karty<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cuidado com o cart\u00e3o de cr\u00e9dito (Imagem: MeuTudo)\"  id=\"19716\" src=\"https:\/\/ucarecdn.com\/ffd59092-38a0-4257-bf1f-3c7f5b5c3881\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Bu\u010fte opatrn\u00ed s va\u0161\u00ed kreditn\u00ed kartou (Obr\u00e1zek: MeuTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je jedna z nejv\u011bt\u0161\u00edch p\u0159\u00ed\u010din dluh\u016f a <strong>\u00fa\u010dty po splatnosti<\/strong>. Kreditn\u00ed karty jsou mnoha lidmi pova\u017eov\u00e1ny za dareb\u00e1ky. Ve skute\u010dnosti m\u016f\u017ee m\u00edt tuto roli. Nen\u00ed to v\u0161ak pravidlem. Nebezpe\u010d\u00ed karty je, \u017ee m\u016f\u017eete pou\u017e\u00edt v\u00edce, ne\u017e m\u00e1te k dispozici. Jin\u00fdmi slovy, je mo\u017en\u00e9 tento limit p\u0159ekro\u010dit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tak\u017ee, kdy\u017e se to stane, mus\u00edte se vypo\u0159\u00e1dat s \u00farokem na vrcholu z\u00e1jmu. Pak je tu dal\u0161\u00ed sn\u011bhov\u00e1 koule. Proto je d\u016fle\u017eit\u00e9 pochopit, \u017ee tento n\u00e1stroj m\u016f\u017eete pou\u017e\u00edt. V tomto p\u0159\u00edpad\u011b v\u0161e, co pot\u0159ebujete, je pl\u00e1nov\u00e1n\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mnoho lid\u00ed tvrd\u00ed, \u017ee je to v\u00fdhodn\u00e9, proto\u017ee nepot\u0159ebujete nosit hotovost. To je skute\u010dn\u011b pravda. Na druhou stranu n\u011bkte\u0159\u00ed profesion\u00e1lov\u00e9 p\u0159in\u00e1\u0161ej\u00ed dal\u0161\u00ed zaj\u00edmav\u00fd pohled. Tvrd\u00ed, \u017ee kdy\u017e m\u00e1te pen\u00edze v ruce, je snaz\u0161\u00ed je m\u00edt pod kontrolou.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Je toti\u017e jasn\u00e9, \u017ee kdy\u017e n\u011bco koup\u00ed, odch\u00e1z\u00ed. V p\u0159\u00edpad\u011b karty se tato senzace nekon\u00e1. Chcete-li tedy pou\u017e\u00edt posledn\u00ed, existuje u\u017eite\u010dn\u00fd tip, nepla\u0165te na spl\u00e1tky.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kupujte jen to, co budete schopni najednou zaplatit. T\u00fdk\u00e1 se to p\u0159edev\u0161\u00edm t\u011bch, kte\u0159\u00ed ji\u017e maj\u00ed nesplacen\u00e9 dluhy. Nav\u00edc v\u017edy respektujte sv\u016fj limit. Pokud si v\u0161ak mysl\u00edte, \u017ee to nedok\u00e1\u017eete, neexistuje \u017e\u00e1dn\u00e1 mo\u017enost.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Odlo\u017ete tento n\u00e1stroj trochu. A\u017e budete osvobozeni od star\u00fdch dluh\u016f, kdo v\u00ed, mo\u017en\u00e1 to znovu vyu\u017eijete?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"16-crie-uma-planilha-de-gastos-ou-utilize-um-app-para-n%C3%A3o-pagar-contas-em-atraso\"><strong>Vytvo\u0159te tabulku v\u00fddaj\u016f nebo pou\u017eijte aplikaci<\/strong> abyste se vyhnuli placen\u00ed zpo\u017ed\u011bn\u00fdch \u00fa\u010dt\u016f<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Crie uma planilha de gastos ou utilize um app (Imagem: TechTudo)\"  id=\"19717\" src=\"https:\/\/ucarecdn.com\/2af9db2c-ba31-4621-9c7d-9e1af613477f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Vytvo\u0159te tabulku v\u00fddaj\u016f nebo pou\u017eijte aplikaci (Obr\u00e1zek: TechTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pamatujete si, \u017ee jsme mluvili o pl\u00e1nov\u00e1n\u00ed v\u00fd\u0161e? Nyn\u00ed je \u010das sezn\u00e1mit se s n\u011bkter\u00fdmi n\u00e1stroji, kter\u00e9 v\u00e1m pomohou uv\u00e9st jej do praxe. Tabulkov\u00fd procesor je tedy bezesporu nejklasi\u010dt\u011bj\u0161\u00ed mo\u017enost\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nav\u00edc je na internetu n\u011bkolik hotov\u00fdch model\u016f, tak\u017ee ani nemus\u00edte vytv\u00e1\u0159et nov\u00fd. N\u011bkter\u00e9 aplikace jsou v\u0161ak tak\u00e9 velmi zaj\u00edmav\u00e9, sta\u010d\u00ed se pod\u00edvat na n\u011bkter\u00e9 z nich.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"17-1-finance-\"><strong>1- Finance<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"1- Finance (Imagem: Pinterest)\"  id=\"19718\" src=\"https:\/\/ucarecdn.com\/d59483fe-293a-4b15-8ac3-9f5864c68f89\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">1- Finance (Obr\u00e1zek: Pinterest)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toto je kompletn\u00ed n\u00e1stroj. S n\u00edm m\u016f\u017eete jednoduch\u00fdm zp\u016fsobem zaznamen\u00e1vat v\u0161echny sv\u00e9 finan\u010dn\u00ed transakce. D\u00e1le je mo\u017en\u00e9 registrovat sv\u00e9 \u00fa\u010dty na spl\u00e1tky. T\u00edmto zp\u016fsobem nezapomenete datum \u017e\u00e1dn\u00e9ho z nich. Jakmile tedy zaplat\u00edte, sta\u010d\u00ed si aplikaci st\u00e1hnout. S\u00e1m bude aktualizovat v\u00e1\u0161 z\u016fstatek.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"18-2-boleto-pago-\"><strong>2- Platebn\u00ed doklad<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"2- Boleto pago (Imagem: MacMagazine\"  id=\"19719\" src=\"https:\/\/ucarecdn.com\/cc28848a-32c2-4f9e-87e0-728aa7373162\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">2- Zaplacen\u00e1 faktura (Obr\u00e1zek: MacMagazine<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ide\u00e1ln\u00ed aplikace pro ty, kte\u0159\u00ed maj\u00ed <strong>\u00fa\u010dty po splatnosti<\/strong>. Boleto Pago p\u0159epo\u010d\u00edt\u00e1 hodnotu va\u0161eho dluhu. Vych\u00e1z\u00ed se tedy z hodnoty \u00farokov\u00e9 sazby a data splatnosti. To v\u0161ak nen\u00ed v\u0161e. Upozorn\u00ed v\u00e1s na \u00fa\u010dty, kter\u00e9 se bl\u00ed\u017e\u00ed k datu splatnosti.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"19-3-mobills-\"><strong>3- Mobily<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"3- Mobills (Imagem: ShowMetech)\"  id=\"19721\" src=\"https:\/\/ucarecdn.com\/7fddc518-6bc3-43ae-9ec8-a24d18a45b50\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">3- Mobills (Obr\u00e1zek: ShowMetech)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Efektivn\u00ed a jednoduch\u00fd zp\u016fsob, jak \u0159\u00eddit cel\u00fd sv\u016fj finan\u010dn\u00ed \u017eivot. Krom\u011b toho v\u00e1m Mobills poskytuje konkr\u00e9tn\u00ed grafy a zpr\u00e1vy. T\u00edmto zp\u016fsobem m\u016f\u017eete do hloubky analyzovat, jak jsou na tom va\u0161e finance. Nakonec v\u00e1m po\u0161le e-maily s upozorn\u011bn\u00edm na platby, kter\u00e9 je t\u0159eba prov\u00e9st.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"20-4-money-lover-\"><strong>4- Milovn\u00edk pen\u011bz<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"4- Money Lover (Imagem: TechTudo)\"  id=\"19725\" src=\"https:\/\/ucarecdn.com\/7a553e11-ca01-445c-aa55-b7bcea74faa6\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">4- Money Lover (Obr\u00e1zek: TechTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tak\u00e9 hraje tuto roli odpov\u011bdnosti. M\u00e1 to v\u0161ak rozd\u00edl. Money Lover v\u00e1m umo\u017e\u0148uje pou\u017e\u00edvat v\u00e1\u0161 seznam kontakt\u016f ke generov\u00e1n\u00ed souboru s v\u011b\u0159iteli a dlu\u017en\u00edky. Nav\u00edc je ide\u00e1ln\u00ed pro ty, kte\u0159\u00ed r\u00e1di cestuj\u00ed. Je to proto, \u017ee m\u00e1 p\u0159evodn\u00edk m\u011bn.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"21-coloque-as-contas-em-d%C3%A9bito-autom%C3%A1tico-\"><strong>Uve\u010fte \u00fa\u010dty na automatick\u00fd debet<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Coloque as contas em d\u00e9bito autom\u00e1tico (Imagem: IDEC)\"  id=\"19726\" src=\"https:\/\/ucarecdn.com\/2d12a960-9968-4aeb-8371-85b149f09640\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">P\u0159eve\u010fte \u00fa\u010dty do automatick\u00e9ho debetu (Obr\u00e1zek: IDEC)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je jeden ze zp\u016fsob\u016f, jak se vyhnout zaost\u00e1v\u00e1n\u00ed za sv\u00e9 \u00fa\u010dty. Vy\u017eaduje v\u0161ak velkou p\u00e9\u010di. Pokud tedy dlu\u017e\u00edte pen\u00edze, je nejlep\u0161\u00ed se uklidnit t\u00edmto tipem. Proto se nedoporu\u010duje d\u00e1vat v\u0161e na automatick\u00e9 inkaso. M\u016f\u017ee se toti\u017e st\u00e1t, \u017ee v\u00e1m na konci m\u011bs\u00edce dojdou pen\u00edze.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alternativou je proto j\u00edt kousek po kousku. Nejprve zaregistrujte \u00fa\u010dty, kter\u00e9 jsou nezbytn\u00e9. Dobr\u00fdmi p\u0159\u00edklady jsou voda, elekt\u0159ina, zdravotn\u00ed poji\u0161t\u011bn\u00ed a internet. Z\u00e1rove\u0148 uv\u00e1d\u011bjte do praxe i ostatn\u00ed tipy z tohoto \u010dl\u00e1nku. Je to proto, \u017ee v\u00e1m pomohou zorganizovat se.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kdy\u017e tedy budete schopni vy\u0159e\u0161it svou finan\u010dn\u00ed situaci, pak m\u016f\u017eete v\u0161e nechat na automatick\u00e9m debetu. T\u00edm je zaji\u0161t\u011bno, \u017ee se nic dal\u0161\u00edho nezdr\u017euje. Samoz\u0159ejm\u011b se v\u017edy ujist\u011bte, \u017ee m\u00e1te dostatek pen\u011bz.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Automatick\u00fd debet je velmi zaj\u00edmav\u00fd n\u00e1stroj. Proto je dobr\u00e9 v\u00e1m pomoci kontrolovat va\u0161e v\u00fddaje. S opatrnost\u00ed se vyplat\u00ed pou\u017e\u00edvat.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"22-pague-as-contas-essenciais-primeiro-\"><strong>Nejprve zapla\u0165te nezbytn\u00e9 \u00fa\u010dty<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Pague as contas essenciais primeiro (Imagem: Economirna)\"  id=\"19727\" src=\"https:\/\/ucarecdn.com\/ea99fdbc-39fb-4bd8-a722-dca6b97f7bac\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Nejprve zapla\u0165te z\u00e1kladn\u00ed \u00fa\u010dty (Obr\u00e1zek: Economirna)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pamatujte na automatick\u00fd debet. V\u017edy up\u0159ednost\u0148ujte to, co je z\u00e1sadn\u00ed pro kvalitu va\u0161eho \u017eivota. Bez toho se dal\u0161\u00edch dluh\u016f ani nezbav\u00edte. Vezm\u011bte si seznam dluh\u016f a stanovte si c\u00edle k vy\u0159e\u0161en\u00ed t\u011bch nejd\u016fle\u017eit\u011bj\u0161\u00edch.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Jakmile to ud\u011bl\u00e1te, zbytek bude snaz\u0161\u00ed. Dob\u0159e, te\u010f moc dob\u0159e v\u00edte, jak neplatit v\u00edc <strong>\u00fa\u010dty po splatnosti. <\/strong>Nyn\u00ed jste na \u0159ad\u011b vy. Vyu\u017eijte tipy v tomto \u010dl\u00e1nku a vydejte se hledat zlep\u0161en\u00ed sv\u00e9ho finan\u010dn\u00edho \u017eivota.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZIs9X0\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4b3dc3e8-6ac8-41a1-976f-fee2d3038f70\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?\">\n            Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00dav\u011br je finan\u010dn\u00ed produkt, kter\u00fd m\u016f\u017ee zm\u011bnit v\u00e1\u0161 \u017eivot. V na\u0161em \u010dl\u00e1nku se dozv\u00edte druhy a jak je zdrav\u011b pou\u017e\u00edvat.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/4b3dc3e8-6ac8-41a1-976f-fee2d3038f70\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Jakou roli hraje \u00fav\u011br ve va\u0161em finan\u010dn\u00edm \u017eivot\u011b?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Pokud se chcete nau\u010dit, jak p\u0159estat platit pozdn\u00ed \u00fa\u010dty a zm\u011bnit sv\u016fj finan\u010dn\u00ed \u017eivot, pod\u00edvejte se na tyto tipy, kter\u00e9 pro v\u00e1s pr\u00e1v\u011b te\u010f m\u00e1me!<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[355,137,357,356],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como n\u00e3o pagar mais contas em atraso: Veja as melhores dicas<\/title>\n<meta name=\"description\" content=\"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/cs\/como-nao-pagar-mais-contas-em-atraso\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como n\u00e3o pagar mais contas em atraso\" \/>\n<meta property=\"og:description\" content=\"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/cs\/como-nao-pagar-mais-contas-em-atraso\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-25T15:38:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-03-25T15:38:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Heloisa Trindade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs-CZ\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs-CZ\",\"@id\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#primaryimage\",\"url\":\"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/\",\"contentUrl\":\"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#webpage\",\"url\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/\",\"name\":\"Como n\u00e3o pagar mais contas em atraso: Veja as melhores dicas\",\"isPartOf\":{\"@id\":\"https:\/\/senhorpanda.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#primaryimage\"},\"datePublished\":\"2021-03-25T15:38:27+00:00\",\"dateModified\":\"2021-03-25T15:38:30+00:00\",\"author\":{\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/eb5f7b10935599c71fd9cfc8361040f8\"},\"description\":\"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema\",\"breadcrumb\":{\"@id\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#breadcrumb\"},\"inLanguage\":\"cs-CZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/senhorpanda.com\/cs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Como n\u00e3o pagar mais contas em atraso\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/eb5f7b10935599c71fd9cfc8361040f8\",\"name\":\"Heloisa Trindade\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs-CZ\",\"@id\":\"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f624530ce2d524c35fd2ea539337d139?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f624530ce2d524c35fd2ea539337d139?s=96&d=mm&r=g\",\"caption\":\"Heloisa Trindade\"},\"description\":\"Sou Heloisa Trindade, jornalista pelo DRT 1424\/MS de Campo Grande, formanda em publicidade e propaganda pela Est\u00e1cio de Campo Grande, redatora e produtora de conte\u00fado h\u00e1 4 anos. Minha paix\u00e3o por ler e escrever veio desde crian\u00e7a, por influ\u00eancia da minha m\u00e3e. Em meio a uma crise financeira, descobri que poderia usar a minha paix\u00e3o para produzir renda e foi ent\u00e3o que iniciei com meus primeiros blogs. Meu objetivo \u00e9 entregar sempre conte\u00fados ver\u00eddicos, de qualidade e informa\u00e7\u00e3o aos nossos leitores.\",\"sameAs\":[\"https:\/\/www.instagram.com\/heloisatrindadee_\",\"https:\/\/www.linkedin.com\/in\/heloisa-trindade-890859174\/\"],\"url\":\"https:\/\/senhorpanda.com\/cs\/author\/heloisa-trindade\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Como n\u00e3o pagar mais contas em atraso: Veja as melhores dicas","description":"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/senhorpanda.com\/cs\/como-nao-pagar-mais-contas-em-atraso\/","og_locale":"cs_CZ","og_type":"article","og_title":"Como n\u00e3o pagar mais contas em atraso","og_description":"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema","og_url":"https:\/\/senhorpanda.com\/cs\/como-nao-pagar-mais-contas-em-atraso\/","og_site_name":"Senhor Panda","article_published_time":"2021-03-25T15:38:27+00:00","article_modified_time":"2021-03-25T15:38:30+00:00","og_image":[{"url":"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Heloisa Trindade","Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/senhorpanda.com\/#website","url":"https:\/\/senhorpanda.com\/","name":"Senhor Panda","description":"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/senhorpanda.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"cs-CZ"},{"@type":"ImageObject","inLanguage":"cs-CZ","@id":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#primaryimage","url":"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/","contentUrl":"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/"},{"@type":"WebPage","@id":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#webpage","url":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/","name":"Como n\u00e3o pagar mais contas em atraso: Veja as melhores dicas","isPartOf":{"@id":"https:\/\/senhorpanda.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#primaryimage"},"datePublished":"2021-03-25T15:38:27+00:00","dateModified":"2021-03-25T15:38:30+00:00","author":{"@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/eb5f7b10935599c71fd9cfc8361040f8"},"description":"Voc\u00ea acaba pagando suas contas em atraso e bagun\u00e7ano todo o seu financeiro? Ent\u00e3o, veja agora as melhores dicas para evitar esse problema","breadcrumb":{"@id":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#breadcrumb"},"inLanguage":"cs-CZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/senhorpanda.com\/como-nao-pagar-mais-contas-em-atraso\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/senhorpanda.com\/cs\/"},{"@type":"ListItem","position":2,"name":"Como n\u00e3o pagar mais contas em atraso"}]},{"@type":"Person","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/eb5f7b10935599c71fd9cfc8361040f8","name":"Heloisa Trindade","image":{"@type":"ImageObject","inLanguage":"cs-CZ","@id":"https:\/\/senhorpanda.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f624530ce2d524c35fd2ea539337d139?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f624530ce2d524c35fd2ea539337d139?s=96&d=mm&r=g","caption":"Heloisa Trindade"},"description":"Sou Heloisa Trindade, jornalista pelo DRT 1424\/MS de Campo Grande, formanda em publicidade e propaganda pela Est\u00e1cio de Campo Grande, redatora e produtora de conte\u00fado h\u00e1 4 anos. Minha paix\u00e3o por ler e escrever veio desde crian\u00e7a, por influ\u00eancia da minha m\u00e3e. Em meio a uma crise financeira, descobri que poderia usar a minha paix\u00e3o para produzir renda e foi ent\u00e3o que iniciei com meus primeiros blogs. Meu objetivo \u00e9 entregar sempre conte\u00fados ver\u00eddicos, de qualidade e informa\u00e7\u00e3o aos nossos leitores.","sameAs":["https:\/\/www.instagram.com\/heloisatrindadee_","https:\/\/www.linkedin.com\/in\/heloisa-trindade-890859174\/"],"url":"https:\/\/senhorpanda.com\/cs\/author\/heloisa-trindade\/"}]}},"_links":{"self":[{"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/posts\/19631"}],"collection":[{"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/comments?post=19631"}],"version-history":[{"count":0,"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/posts\/19631\/revisions"}],"wp:attachment":[{"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/media?parent=19631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/categories?post=19631"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/senhorpanda.com\/cs\/wp-json\/wp\/v2\/tags?post=19631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}