{"id":1593,"date":"2025-10-07T15:00:54","date_gmt":"2025-10-07T13:00:54","guid":{"rendered":"https:\/\/www.freelance.cz\/blog\/?p=1593"},"modified":"2025-10-07T15:00:55","modified_gmt":"2025-10-07T13:00:55","slug":"jak-poznat-ze-mate-zdrave-financni-navyky-a-jak-je-pripadne-vylepsit","status":"publish","type":"post","link":"https:\/\/www.freelance.cz\/blog\/jak-poznat-ze-mate-zdrave-financni-navyky-a-jak-je-pripadne-vylepsit\/","title":{"rendered":"Jak poznat, \u017ee m\u00e1te zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky, a jak je p\u0159\u00edpadn\u011b vylep\u0161it?"},"content":{"rendered":"\n<p>Stabilita podnik\u00e1n\u00ed na voln\u00e9 noze neza\u010d\u00edn\u00e1 nutn\u011b u po\u010dtu klient\u016f ani v\u00fd\u0161e sazby, ale u dobr\u00e9ho finan\u010dn\u00edho nastaven\u00ed, kter\u00e9 funguje v dobr\u00fdch i hor\u0161\u00edch \u010dasech. Zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky v\u00e1m umo\u017en\u00ed pl\u00e1novat, investovat i odpo\u010d\u00edvat bez pocitu, \u017ee riskujete. V \u010dl\u00e1nku se proto pod\u00edv\u00e1me, jak poznat, \u017ee va\u0161e finance funguj\u00ed spr\u00e1vn\u011b, a jak vyladit n\u00e1vyky tak, aby v\u00e1m pen\u00edze slou\u017eily v\u00e1m \u2013 ne naopak.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Freelancer jako firma o jednom \u010dlov\u011bku<\/h2>\n\n\n\n<p>Zat\u00edmco zam\u011bstnanec m\u00e1 v\u011bt\u0161inu finan\u010dn\u00edch jistot zaji\u0161t\u011bn\u00fdch syst\u00e9mem \u2013 pravideln\u00fd p\u0159\u00edjem, odvody, placenou dovolenou \u010di nemocenskou \u2013 freelancer stoj\u00ed na vlastn\u00edch noh\u00e1ch. Mus\u00ed zvl\u00e1dnout v\u0161echno, co za zam\u011bstnance \u010dasto \u0159e\u0161\u00ed \u00fa\u010detn\u00ed a HR odd\u011blen\u00ed dohromady: pl\u00e1nov\u00e1n\u00ed p\u0159\u00edjm\u016f, odvody, dan\u011b, poji\u0161t\u011bn\u00ed, investice i krizov\u00e9 sc\u00e9n\u00e1\u0159e.<\/p>\n\n\n\n<p>Nepravidelnost p\u0159\u00edjm\u016f, nutnost myslet dop\u0159edu a schopnost vytvo\u0159it si rezervy jsou aspekty, kter\u00e9 d\u011blaj\u00ed z finan\u010dn\u00ed gramotnosti kl\u00ed\u010dovou dovednost ka\u017ed\u00e9ho freelancera. Dobr\u00e9 finan\u010dn\u00ed n\u00e1vyky nejsou \u201enice to have\u201c, ale z\u00e1kladn\u00ed p\u0159edpoklad dlouhodob\u00e9ho fungov\u00e1n\u00ed. A rozd\u00edl mezi t\u00edm, kdo m\u00e1 ve v\u011bcech po\u0159\u00e1dek, a t\u00edm, kdo improvizuje, se uk\u00e1\u017ee ve chv\u00edli, kdy p\u0159ijde prvn\u00ed v\u00fdpadek p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p><strong>TIP<\/strong>: Pokud s\u00a0podnik\u00e1n\u00edm teprve pl\u00e1nujete za\u010d\u00edt, ur\u010dit\u011b se nejprve mrkn\u011bte na \u010dl\u00e1nek <a href=\"https:\/\/www.freelance.cz\/blog\/jak-prejit-ze-zamestnani-na-volnou-nohu\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\" title=\"Jak p\u0159ej\u00edt z pln\u00e9ho \u00favazku na freelance bez ztr\u00e1ty p\u0159\u00edjmu\">Jak p\u0159ej\u00edt z pln\u00e9ho \u00favazku na freelance bez ztr\u00e1ty p\u0159\u00edjmu<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vypad\u00e1 zdrav\u00fd vztah k pen\u011bz\u016fm<\/h2>\n\n\n\n<p>Finan\u010dn\u00ed gramotnost freelancera nestoj\u00ed na dokonal\u00fdch tabulk\u00e1ch ani na des\u00edtk\u00e1ch aplikac\u00ed. Stoj\u00ed na t\u0159ech pil\u00ed\u0159\u00edch:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P\u0159ehled<\/strong>: V\u00edte odkud pen\u00edze p\u0159ich\u00e1zej\u00ed a kam odch\u00e1zej\u00ed. M\u00e1te jasno v tom, kolik stoj\u00ed v\u00e1\u0161 b\u011b\u017en\u00fd m\u011bs\u00edc, a dok\u00e1\u017eete \u0159\u00edct, kolik v\u00e1m z\u016fst\u00e1v\u00e1 po ode\u010dten\u00ed v\u0161ech povinn\u00fdch plateb.<\/li>\n\n\n\n<li><strong>Udr\u017eitelnost<\/strong>: Ta znamen\u00e1, \u017ee v\u00e1\u0161 rozpo\u010det p\u0159e\u017eije i slab\u0161\u00ed m\u011bs\u00edce, proto\u017ee se neop\u00edr\u00e1 o nejlep\u0161\u00ed sc\u00e9n\u00e1\u0159, ale o realitu.<\/li>\n\n\n\n<li><strong>R\u016fst<\/strong>: Nenech\u00e1v\u00e1te pen\u00edze le\u017eet ladem, ale um\u00edte s nimi pracovat, tvo\u0159it rezervy a postupn\u011b budovat jistotu pro budoucnost.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Test: Kde pr\u00e1v\u011b stoj\u00edte?<\/h2>\n\n\n\n<p>Ne\u017e se pust\u00edte d\u00e1l, zkuste si odpov\u011bd\u011bt na p\u00e1r ot\u00e1zek:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>V\u00edte p\u0159esn\u011b, kolik pot\u0159ebujete m\u011bs\u00ed\u010dn\u011b na b\u011b\u017en\u00e9 v\u00fddaje?<\/li>\n\n\n\n<li>M\u00e1te <a href=\"https:\/\/www.freelance.cz\/blog\/financni-rezerva-na-volne-noze-kolik-je-tak-akorat-a-jak-ji-vytvorit\/\" target=\"_blank\" rel=\"noopener\" title=\"Jak si vytvo\u0159it finan\u010dn\u00ed rezervu\">finan\u010dn\u00ed rezervu<\/a> alespo\u0148 na t\u0159i m\u011bs\u00edce \u017eivota bez p\u0159\u00edjm\u016f?<\/li>\n\n\n\n<li>Odkl\u00e1d\u00e1te pravideln\u011b pen\u00edze na dan\u011b a poji\u0161t\u011bn\u00ed?<\/li>\n\n\n\n<li>Sledujete p\u0159\u00edjmy a v\u00fddaje?<\/li>\n\n\n\n<li>Pou\u017e\u00edv\u00e1te odd\u011blen\u00fd \u00fa\u010det pro podnik\u00e1n\u00ed a osobn\u00ed \u017eivot?<\/li>\n\n\n\n<li>Kdy\u017e p\u0159ijde velk\u00e1 platba, z\u016fst\u00e1v\u00e1te v klidu a s rozmyslem s n\u00ed pracujete?<\/li>\n<\/ol>\n\n\n\n<p>Pokud v\u011bt\u0161ina odpov\u011bd\u00ed zn\u00ed <strong>ano<\/strong>, m\u00e1te pevn\u00e9 z\u00e1klady. Pokud sp\u00ed\u0161 <strong>ne<\/strong>, je to p\u0159\u00edle\u017eitost vytvo\u0159it syst\u00e9m, kter\u00fd v\u00e1m p\u0159inese p\u0159ehled a tak\u00e9 v\u011bt\u0161\u00ed klid.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost-1024x683.jpg\" alt=\"\" class=\"wp-image-1595\" srcset=\"https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost-1024x683.jpg 1024w, https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost-300x200.jpg 300w, https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost-768x512.jpg 768w, https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost-1536x1025.jpg 1536w, https:\/\/www.freelance.cz\/blog\/wp-content\/uploads\/2025\/10\/financni-gramotnost.jpg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vypadaj\u00ed zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky?<\/h2>\n\n\n\n<p>Nez\u00e1le\u017e\u00ed a\u017e tak na v\u00fd\u0161i p\u0159\u00edjmu, ale na tom, jak s&nbsp;n\u00edm dok\u00e1\u017eete zach\u00e1zet. Mrkn\u011bte na kl\u00ed\u010dov\u00e9 body, podle kter\u00fdch pozn\u00e1te, \u017ee m\u00e1te finance pod kontrolou \u2013 nebo naopak.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. M\u00e1te p\u0159ehled o sv\u00e9m cash flow<\/h3>\n\n\n\n<p>V\u00edte, kolik jste vyd\u011blali, kolik utratili a kdy o\u010dek\u00e1v\u00e1te dal\u0161\u00ed platby. Nen\u00ed nutn\u00e9 v\u00e9st slo\u017eit\u00e9 tabulky \u2013 sta\u010d\u00ed jednoduch\u00e1 rutina, t\u0159eba kr\u00e1tk\u00e1 t\u00fddenn\u00ed kontrola bankovn\u00edho \u00fa\u010dtu a faktur. D\u00edky pravideln\u00e9mu p\u0159ehledu p\u0159edejdete nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm i stresu z pozdn\u00edch plateb.<\/p>\n\n\n\n<p><strong>TIP<\/strong>: Pokud v\u00e1m nesta\u010d\u00ed m\u00edt p\u0159ehled na pap\u00ed\u0159e nebo v hlav\u011b, nab\u00edz\u00ed se vyu\u017eit\u00ed n\u00e1stroj\u016f jako <a href=\"https:\/\/www.spendee.com\/\" target=\"_blank\" rel=\"noopener\" title=\"Spendee\">Spendee<\/a> nebo <a href=\"https:\/\/budgetbakers.com\/\" target=\"_blank\" rel=\"noopener\" title=\"Wallet\">Wallet<\/a>, kter\u00e9 v\u00a0pohod\u011b propoj\u00edte s\u00a0v\u011bt\u0161inou \u010desk\u00fdch bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pl\u00e1nujete podle ni\u017e\u0161\u00ed hranice b\u011b\u017en\u00e9ho p\u0159\u00edjmu<\/h3>\n\n\n\n<p>P\u0159\u00edjmy na voln\u00e9 noze kol\u00edsaj\u00ed, a proto je d\u016fle\u017eit\u00e9 pl\u00e1novat s rozvahou. Zdrav\u00fd p\u0159\u00edstup spo\u010d\u00edv\u00e1 v tom, \u017ee sv\u016fj rozpo\u010det stav\u00edte na takzvan\u00e9m \u201enejhor\u0161\u00edm b\u011b\u017en\u00e9m m\u011bs\u00edci\u201c \u2013 tedy na \u010d\u00e1stce, kterou si dok\u00e1\u017eete vyd\u011blat i v pomalej\u0161\u00edm obdob\u00ed. Pokud je v\u00e1\u0161 b\u011b\u017en\u00fd p\u0159\u00edjem 75&nbsp;000 K\u010d a slab\u0161\u00ed m\u011bs\u00edc p\u0159inesl 40&nbsp;000 K\u010d, je pr\u00e1v\u011b tato ni\u017e\u0161\u00ed \u010d\u00e1stka ide\u00e1ln\u00edm z\u00e1kladem pro pl\u00e1nov\u00e1n\u00ed v\u00fddaj\u016f. To, co vyd\u011bl\u00e1te nav\u00edc, pak m\u016f\u017eete rozd\u011blit na rezervy, investice, osobn\u00ed rozvoj i z\u00e1bavu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Odkl\u00e1d\u00e1te pen\u00edze hned po p\u0159ips\u00e1n\u00ed platby<\/h3>\n\n\n\n<p>Jedn\u00edm z nejjednodu\u0161\u0161\u00edch zp\u016fsob\u016f, jak udr\u017eet stabilitu, je rozd\u011blovat p\u0159\u00edjem hned ve chv\u00edli, kdy doraz\u00ed. Osv\u011bd\u010den\u00e9 pravidlo \u0159\u00edk\u00e1: okolo 30 % odlo\u017ete na dan\u011b a odvody, 10\u201320 % na rezervu. Zbytek tvo\u0159\u00ed va\u0161e \u201ev\u00fdplata\u201c. D\u00edky tomuto syst\u00e9mu v\u00e1s v \u010dervnu nep\u0159ekvap\u00ed da\u0148ov\u00e9 doplatky ani v lednu pomalej\u0161\u00ed rozjezd projekt\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Odd\u011blujete osobn\u00ed a pracovn\u00ed finance<\/h3>\n\n\n\n<p>M\u00edt jeden \u00fa\u010det na v\u0161echno se m\u016f\u017ee zd\u00e1t pohodln\u00e9, ale rychle se v n\u011bm ztr\u00e1c\u00ed p\u0159ehled. Odd\u011blen\u00ed osobn\u00edch a podnikatelsk\u00fdch financ\u00ed je z\u00e1klad profesion\u00e1ln\u00edho p\u0159\u00edstupu. Ide\u00e1ln\u011b si vytvo\u0159te t\u0159i \u00fa\u010dty \u2013 <strong>pracovn\u00ed, osobn\u00ed a rezervn\u00ed<\/strong>. D\u00edky tomu jasn\u011b vid\u00edte, kolik skute\u010dn\u011b vyd\u011bl\u00e1v\u00e1te, a snadn\u011bji pl\u00e1nujete da\u0148ov\u00e9 odvody i dlouhodob\u00e9 c\u00edle. Nav\u00edc si t\u00edm udr\u017e\u00edte zdravou hranici mezi prac\u00ed a osobn\u00edm \u017eivotem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Budujete rezervu<\/h3>\n\n\n\n<p>Rezerva je v\u00e1\u0161 bezpe\u010dnostn\u00ed pol\u0161t\u00e1\u0159. Pom\u016f\u017ee <strong>p\u0159eklenout obdob\u00ed bez zak\u00e1zek, nemoc nebo ne\u010dekan\u00fd v\u00fddaj<\/strong>. C\u00edlem je m\u00edt odlo\u017een\u00e9 pen\u00edze alespo\u0148 na t\u0159i a\u017e \u0161est m\u011bs\u00edc\u016f b\u011b\u017en\u00fdch v\u00fddaj\u016f. Nejde o to, dos\u00e1hnout t\u00e9to \u010d\u00e1stky hned, ale tvo\u0159it ji pravideln\u011b. I mal\u00e9, ale konzistentn\u00ed odkl\u00e1d\u00e1n\u00ed se v \u010dase prom\u011bn\u00ed v jistotu, kter\u00e1 v\u00e1m umo\u017en\u00ed d\u011blat rozhodnut\u00ed s v\u011bt\u0161\u00edm klidem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Mysl\u00edte na budoucnost<\/h3>\n\n\n\n<p>Zdrav\u00e9 finance nejsou jen o tom zvl\u00e1dnout sou\u010dasnost. Freelancer by m\u011bl b\u00fdt i sv\u00fdm vlastn\u00edm \u201ezam\u011bstnavatelem\u201c \u2013 tedy zaji\u0161\u0165ovat si <a href=\"https:\/\/www.freelance.cz\/blog\/myslete-na-budoucnost-jak-si-jako-osvc-efektivne-sporit-na-duchod\/\" target=\"_blank\" rel=\"noopener\" title=\"Jak si efektivn\u011b spo\u0159it na d\u016fchod\">spo\u0159en\u00ed<\/a>, pravideln\u011b investovat a pl\u00e1novat dlouhodob\u011b. Nemus\u00ed j\u00edt o velk\u00e9 \u010d\u00e1stky. I men\u0161\u00ed, ale pravideln\u00e9 investice nebo p\u0159\u00edsp\u011bvky do dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed vytv\u00e1\u0159ej\u00ed finan\u010dn\u00ed jistotu pro budoucnost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. Um\u00edte pracovat s emocemi kolem pen\u011bz<\/h3>\n\n\n\n<p>Pen\u00edze jsou siln\u011b emo\u010dn\u00ed t\u00e9ma. Strach z nedostatku, impulzivn\u00ed utr\u00e1cen\u00ed po v\u011bt\u0161\u00ed platb\u011b nebo vyh\u00fdb\u00e1n\u00ed se kontrole \u00fa\u010dtu \u2013 to v\u0161echno ovliv\u0148uje va\u0161e rozhodov\u00e1n\u00ed. Uv\u011bdom\u011bn\u00ed, \u017ee i finance maj\u00ed psychologick\u00fd rozm\u011br, pom\u016f\u017ee k v\u011bt\u0161\u00ed stabilit\u011b. Kdy\u017e s emocemi kolem pen\u011bz um\u00edte pracovat, dok\u00e1\u017eete se rozhodovat s rozvahou a z\u016fstat v klidu i ve chv\u00edl\u00edch, kdy p\u0159\u00edjmy kol\u00edsaj\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak postupn\u011b pos\u00edlit sv\u00e9 finan\u010dn\u00ed n\u00e1vyky<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vytvo\u0159te si m\u011bs\u00ed\u010dn\u00ed finan\u010dn\u00ed ritu\u00e1l: <\/strong>Stanovte si konkr\u00e9tn\u00ed den v m\u011bs\u00edci, kdy se budete v\u011bnovat financ\u00edm. Projd\u011bte p\u0159\u00edjmy, v\u00fddaje, rezervy i pl\u00e1novan\u00e9 platby. Pravideln\u00fd p\u0159ehled v\u00e1m umo\u017en\u00ed reagovat v\u010das, zamezit zbyte\u010dn\u00fdm ztr\u00e1t\u00e1m a rozhodovat se s v\u011bt\u0161\u00ed jistotou.<\/li>\n\n\n\n<li><strong>Nastavte si automatick\u00e9 platby: <\/strong>Trval\u00e9 p\u0159\u00edkazy jsou jednoduch\u00fd zp\u016fsob, jak udr\u017eet discipl\u00ednu. Nastavte si p\u0159evody na rezervy i osobn\u00ed v\u00fdplatu. D\u00edky automatizaci budou va\u0161e finance fungovat l\u00e9pe, i kdy\u017e m\u00e1te zrovna hodn\u011b pr\u00e1ce nebo v\u00fdkyvy v p\u0159\u00edjmech.<\/li>\n\n\n\n<li><strong>Pravideln\u011b aktualizujte rozpo\u010det: <\/strong>Finan\u010dn\u00ed pl\u00e1n nen\u00ed jednou prov\u017edy dan\u00fd. <a href=\"https:\/\/www.freelance.cz\/projekty\" target=\"_blank\" rel=\"noopener\" title=\"v\u0161echny projekty\">Projekty<\/a>, ceny i \u017eivotn\u00ed n\u00e1klady se m\u011bn\u00ed \u2013 v\u00e1\u0161 rozpo\u010det by se tomu m\u011bl p\u0159izp\u016fsobovat. Ka\u017ed\u00e9 t\u0159i a\u017e \u010dty\u0159i m\u011bs\u00edce zkontrolujte, zda st\u00e1le odpov\u00edd\u00e1 realit\u011b, a p\u0159\u00edpadn\u011b upravte procenta, kter\u00e1 odkl\u00e1d\u00e1te na rezervy nebo investice.<\/li>\n\n\n\n<li><strong>Vyu\u017eijte odbornou pomoc, kdy\u017e je pot\u0159eba: <\/strong>Pokud m\u00e1te pocit, \u017ee se ve financ\u00edch ztr\u00e1c\u00edte, obra\u0165te se na <a href=\"https:\/\/www.freelance.cz\/freelanceri\/ekonomika-finance\" target=\"_blank\" rel=\"noopener\" title=\"freelan\u010de\u0159i z oblasti financ\u00ed a ekonomiky\">\u00fa\u010detn\u00ed nebo finan\u010dn\u00edho poradce<\/a>. Jednor\u00e1zov\u00e1 konzultace v\u00e1m m\u016f\u017ee u\u0161et\u0159it hodiny pr\u00e1ce a pomoct nastavit p\u0159ehledn\u00fd syst\u00e9m.<\/li>\n\n\n\n<li><strong>I mal\u00e9 kroky se po\u010d\u00edtaj\u00ed: <\/strong>Zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky nestoj\u00ed na perfekcionismu, ale na v\u011bdom\u00e9m p\u0159\u00edstupu. I mal\u00e9, ale pravideln\u00e9 kroky \u2013 jako kontrola rozpo\u010dtu nebo v\u010dasn\u00e9 odlo\u017een\u00ed \u010d\u00e1sti p\u0159\u00edjmu \u2013 buduj\u00ed dlouhodobou stabilitu. Postupem \u010dasu zjist\u00edte, \u017ee v\u00e1m finan\u010dn\u00ed jistota p\u0159in\u00e1\u0161\u00ed nejen klid, ale i v\u011bt\u0161\u00ed svobodu ve va\u0161em podnik\u00e1n\u00ed.<\/li>\n<\/ul>\n\n\n\n<p>Zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky tak nejsou jen zp\u016fsob, jak zvl\u00e1dat dan\u011b a v\u00fddaje. Jsou z\u00e1kladem dlouhodob\u011b udr\u017eiteln\u00e9ho podnik\u00e1n\u00ed. Kdy\u017e v\u00edte, jak a kam se va\u0161e pen\u00edze pohybuj\u00ed, dok\u00e1\u017eete pl\u00e1novat s v\u011bt\u0161\u00ed jistotou, <a href=\"https:\/\/www.freelance.cz\/blog\/odmitani-zakazek-kdy-dava-smysl-a-jak-se-s-nim-popasovat\/\" target=\"_blank\" rel=\"noopener\" title=\"Kdy d\u00e1v\u00e1 odm\u00edt\u00e1n\u00ed zak\u00e1zek smysl\">odm\u00edtnout nev\u00fdhodn\u00e9 projekty<\/a> a investovat do rozvoje. Kolem a kolem, dob\u0159e nastaven\u00fd finan\u010dn\u00ed syst\u00e9m v\u00e1m poskytne nejen p\u0159ehled, ale tak\u00e9 v\u011bt\u0161\u00ed svobodu volby.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stabilita podnik\u00e1n\u00ed na voln\u00e9 noze neza\u010d\u00edn\u00e1 nutn\u011b u po\u010dtu klient\u016f ani v\u00fd\u0161e sazby, ale u dobr\u00e9ho finan\u010dn\u00edho nastaven\u00ed, kter\u00e9 funguje v dobr\u00fdch i hor\u0161\u00edch \u010dasech. Zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky v\u00e1m umo\u017en\u00ed&#8230;<\/p>\n<div class=\"more-link-wrapper\"><a class=\"more-link\" href=\"https:\/\/www.freelance.cz\/blog\/jak-poznat-ze-mate-zdrave-financni-navyky-a-jak-je-pripadne-vylepsit\/\">\u010c\u00edst d\u00e1le<span class=\"screen-reader-text\">Jak poznat, \u017ee m\u00e1te zdrav\u00e9 finan\u010dn\u00ed n\u00e1vyky, a jak je p\u0159\u00edpadn\u011b vylep\u0161it?<\/span><\/a><\/div>\n","protected":false},"author":8,"featured_media":1594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,3],"tags":[],"class_list":["post-1593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-v-podnikani","category-pro-freelancery","excerpt"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/posts\/1593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/comments?post=1593"}],"version-history":[{"count":1,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/posts\/1593\/revisions"}],"predecessor-version":[{"id":1596,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/posts\/1593\/revisions\/1596"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/media\/1594"}],"wp:attachment":[{"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/media?parent=1593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/categories?post=1593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freelance.cz\/blog\/wp-json\/wp\/v2\/tags?post=1593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}