{"id":107013,"date":"2024-12-11T11:05:00","date_gmt":"2024-12-11T11:05:00","guid":{"rendered":"https:\/\/gfssite.local\/2017de-atmayi-dusunmeniz-gereken-7-kotu-para-aliskanligi\/"},"modified":"2024-12-11T11:05:00","modified_gmt":"2024-12-11T11:05:00","slug":"2017de-atmayi-dusunmeniz-gereken-7-kotu-para-aliskanligi","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/2017de-atmayi-dusunmeniz-gereken-7-kotu-para-aliskanligi\/","title":{"rendered":"2017&#8217;de Atmay\u0131 D\u00fc\u015f\u00fcnmeniz Gereken 7 K\u00f6t\u00fc Para Al\u0131\u015fkanl\u0131\u011f\u0131"},"content":{"rendered":"<p>Yeni Y\u0131l\u2019da bir\u00e7ok insan yapmak istedikleri \u015feyleri yapmay\u0131 hedefler, ancak finansal kararlar s\u00f6z konusu oldu\u011funda, ka\u00e7\u0131nman\u0131n daha iyi oldu\u011fu \u015feyler olabilir. \u0130\u015fte ka\u00e7\u0131nman\u0131z gereken k\u00f6t\u00fc para al\u0131\u015fkanl\u0131klar\u0131n\u0131n bir listesi. <\/p>\n<h2><span>Yeni Y\u0131l Finansal Karar\u0131n\u0131z<\/span><\/h2>\n<p><span>Bir y\u0131l\u0131n sonu, stok yapma zaman\u0131d\u0131r. Ge\u00e7en y\u0131l\u0131 ki\u015fisel, profesyonel ve hatta finansal olarak g\u00f6zden ge\u00e7irmenin zaman\u0131 geldi. Ancak, ayn\u0131 zamanda planlama zaman\u0131d\u0131r. Bu nedenle Yeni Y\u0131l Kararlar\u0131 almak olduk\u00e7a faydal\u0131 olabilir \u2013 \u00f6zellikle de finansal kararlarsa.   <\/span><\/p>\n<p>\u00a0<\/p>\n<h2><b>Yeni Y\u0131l Kararlar\u0131n\u0131n Puanlar\u0131 \u2013 Rakamlar Ne G\u00f6steriyor?<\/b><\/h2>\n<p>\u00a0<\/p>\n<p>Son zamanlarda, Fidelity Investments alt\u0131nc\u0131 <i>Yeni Y\u0131l Finansal \u00c7\u00f6z\u00fcmler \u00c7al\u0131\u015fmas\u0131n\u0131<\/i> ger\u00e7ekle\u015ftirdi. \u00c7al\u0131\u015fma, finansal Yeni Y\u0131l Kararlar\u0131 almaya y\u00f6nelik tutumlar\u0131 ara\u015ft\u0131rmay\u0131 ama\u00e7lamaktad\u0131r. \u00c7al\u0131\u015fman\u0131n temel bulgular\u0131 \u015funlar\u0131 ortaya koymu\u015ftur:  <\/p>\n<p>\u00a0<\/p>\n<ul>\n<li>Amerikal\u0131lar\u0131n sadece y\u00fczde 31\u2019i, 2016\u2019daki y\u00fczde 43\u2019\u00fcn aksine (y\u00fczde 28\u2019lik bir d\u00fc\u015f\u00fc\u015f) 2017 i\u00e7in finansal bir \u00e7\u00f6z\u00fcm d\u00fc\u015f\u00fcn\u00fcyor<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li>2016\u2019in ba\u015f\u0131nda Yeni Y\u0131l Karar\u0131 alan ki\u015filerin yakla\u015f\u0131k y\u00fczde 51\u2019i y\u0131l sonuna kadar finansal olarak daha iyi durumda olduklar\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li>2016 y\u0131l\u0131n\u0131n ba\u015f\u0131nda Yeni Y\u0131l Karar\u0131 almayanlar\u0131n sadece y\u00fczde 38\u2019i, y\u0131l sonunda finansal olarak daha iyi durumda olduklar\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li>2016 y\u0131l\u0131n\u0131n ba\u015f\u0131nda Yeni Y\u0131l Karar\u0131 alan ki\u015filerin y\u00fczde 29\u2019u hedeflerine tam olarak ula\u015f\u0131rken, y\u00fczde 74\u2019\u00fc hedeflerinin en az y\u00fczde 50\u2019sini ger\u00e7ekle\u015ftirdi<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2><b>Yeni y\u0131lda kurtulman\u0131z gereken en \u00f6nemli k\u00f6t\u00fc finansal al\u0131\u015fkanl\u0131klar<\/b><\/h2>\n<h3>\u00a0<\/h3>\n<p>Bir\u00e7ok insan Yeni Y\u0131l\u2019da kararlar al\u0131r. Genelde ge\u00e7en y\u0131l yapamad\u0131klar\u0131 \u015feyleri yapmay\u0131 hedeflerler. Bununla birlikte, finansal kararlar s\u00f6z konusu oldu\u011funda, ka\u00e7\u0131nman\u0131z\u0131n daha iyi olabilece\u011fi \u015feyler de olabilir. \u0130\u015fte zor kazand\u0131\u011f\u0131n\u0131z paray\u0131 \u00e7ar\u00e7ur etmenize neden olabilecek k\u00f6t\u00fc para al\u0131\u015fkanl\u0131klar\u0131n\u0131n bir listesi.   <\/p>\n<p>\u00a0<\/p>\n<ol start=\"1\">\n<li><b>Banka ile \u0130lgili \u00c7e\u015fitli \u00dccretlerin D\u00fczenli Olarak \u00d6denmesi:<\/b> Gecikme cezalar\u0131 ve cezalardan kredili mevduat \u00fccretlerine kadar, baz\u0131 insanlar bankalar\u0131na ihtiya\u00e7 duyduklar\u0131ndan daha fazla \u00f6deme yap\u0131yor. Faturalar\u0131n\u0131z\u0131 zaman\u0131nda \u00f6dedi\u011finizden emin olarak gecikme cezalar\u0131ndan ka\u00e7\u0131n\u0131n. Ayak uydurmakta zorluk \u00e7ekiyorsan\u0131z, faturalar\u0131n\u0131z\u0131 kontrol alt\u0131nda tutmak i\u00e7in uygulamalar\u0131 kullanmay\u0131 d\u00fc\u015f\u00fcn\u00fcn.  <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"2\">\n<li><b>Acil Durumlarla Ba\u015fa \u00c7\u0131kmak \u0130\u00e7in Kredi Almak:<\/b> Baz\u0131 insanlar \u00f6ng\u00f6r\u00fclemeyen masraflar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in maa\u015f g\u00fcn\u00fc kredisi veya konut kredisi al\u0131r. Sonu\u00e7 olarak, genellikle daha fazla faiz \u00f6derler. Bundan ka\u00e7\u0131nmak i\u00e7in, her hafta 10 \u2013 25 ABD Dolar\u0131 (veya daha fazla) ay\u0131rd\u0131\u011f\u0131n\u0131zdan ve bir acil durum fonuna koydu\u011funuzdan emin olun. Bunu yaparak, y\u0131l sonuna kadar yakla\u015f\u0131k 520 \u2013 1.300 $ \u2018a sahip olacaks\u0131n\u0131z. Alternatif olarak, \u00e7evrimi\u00e7i bir tasarruf hesab\u0131 olu\u015fturmay\u0131 d\u00fc\u015f\u00fcn\u00fcn. Daha sonra, \u00f6demenizden bu hesaba otomatik bir \u00f6deme ayarlayabilirsiniz.     <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"3\">\n<li><b>Fazla harcama:<\/b> Bir\u00e7ok insan \u201cne istedikleri\u201d ile \u201cneye ihtiya\u00e7 duyduklar\u0131\u201d aras\u0131nda ayr\u0131m yapamaz. Sonu\u00e7 olarak, tak\u0131nt\u0131l\u0131 bir \u015fekilde al\u0131\u015fveri\u015f yapmaya ba\u015flarlar. Bunu \u00f6nlemek i\u00e7in, planlad\u0131\u011f\u0131n\u0131z sat\u0131n alma i\u015flemlerini birka\u00e7 g\u00fcn erteleyin. Daha sonra, bu \u00fcr\u00fcnleri hala sat\u0131n almak isteyip istemedi\u011finizi de\u011ferlendirin.   <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"4\">\n<li><b>Paray\u0131 Al\u0131r Almaz Harcamak:<\/b> Pek \u00e7ok insan maa\u015f \u00e7eklerini al\u0131r almaz harcar. Sonu\u00e7 olarak, faturalar\u0131n\u0131 \u00f6deyecek paralar\u0131 kalmaz. Bu nedenle, kazan\u00e7 ve giderlerinizi detayland\u0131ran bir b\u00fct\u00e7e yap\u0131n. Masraflar\u0131n\u0131z\u0131 \u00f6demek i\u00e7in fonlar\u0131 tahsis edin. Ayr\u0131ca, ay boyunca birikiminiz olarak bir miktar bulundurun.    <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"5\">\n<li><b>Kredi kart\u0131nda bakiye ta\u015f\u0131mak:<\/b> Gereksiz faiz \u00f6demekten ka\u00e7\u0131nmak i\u00e7in kredi kart\u0131 borcunuzdan kurtulmay\u0131 d\u00fc\u015f\u00fcn\u00fcn. En d\u00fc\u015f\u00fck bakiyeye sahip kart d\u0131\u015f\u0131ndaki t\u00fcm kartlarda ayl\u0131k minimum bakiyeyi \u00f6deyin. En k\u00fc\u00e7\u00fck bakiyeye sahip kart\u0131 geri \u00f6demek i\u00e7in m\u00fcmk\u00fcn oldu\u011funca \u00e7ok para uygulay\u0131n. Bu kart\u0131 tamamen geri \u00f6dedikten sonra, bir sonraki en k\u00fc\u00e7\u00fck bakiyeye sahip kart\u0131 geri \u00f6demeye ba\u015flay\u0131n. Kartlar\u0131n\u0131z\u0131n hi\u00e7birinde bakiye kalmayana kadar bunu tekrarlay\u0131n.    <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"6\">\n<li><b>Emeklili\u011finiz \u0130\u00e7in Birikim Yapmay\u0131 G\u00f6rmezden Gelmek:<\/b> \u00c7o\u011fu zaman, insanlar emeklilik planlar\u0131na yeterince katk\u0131da bulunmazlar. \u0130deal olarak, emeklilik plan\u0131n\u0131z i\u00e7in gelirinizin y\u00fczde 10 \u2013 20\u2019sini ay\u0131rmay\u0131 d\u00fc\u015f\u00fcn\u00fcn. Alternatif olarak, istedi\u011finiz s\u0131n\u0131rlara ula\u015fana kadar katk\u0131lar\u0131n\u0131z\u0131 her ay y\u00fczde bir ila iki oran\u0131nda art\u0131rmay\u0131 d\u00fc\u015f\u00fcn\u00fcn. \u0130\u015fvereninizin e\u015fle\u015ftirece\u011fi katk\u0131 limitlerine ula\u015ft\u0131\u011f\u0131n\u0131zdan emin olun.   <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<ol start=\"7\">\n<li><b>Her g\u00fcn yemeklerinizi, at\u0131\u015ft\u0131rmal\u0131klar\u0131n\u0131z\u0131 veya kahvenizi sat\u0131n almak:<\/b> Her g\u00fcn at\u0131\u015ft\u0131rmal\u0131k ve yemek sat\u0131n almak i\u00e7in para harcarsan\u0131z, masraflar\u0131n\u0131z artmaya devam edecektir. \u00d6\u011fle yeme\u011finizi evden almay\u0131 d\u00fc\u015f\u00fcn\u00fcn. Bunun i\u00e7in \u00e7ok fazla \u00f6deme yapmak zorunda kalmadan daha sa\u011fl\u0131kl\u0131 yiyecekler yiyeceksiniz.  <\/li>\n<\/ol>\n<p>\u00a0<\/p>\n<p>Bu al\u0131\u015fkanl\u0131klardan kurtularak harcamalar\u0131n\u0131z\u0131 azaltabilirsiniz. Bu, gerekli harcamalar veya tasarruflar i\u00e7in elinizde tuttu\u011funuz paray\u0131 art\u0131rman\u0131za neden olacakt\u0131r. Bu Yeni Y\u0131l, yaln\u0131zca iyi finansal al\u0131\u015fkanl\u0131klar edinmeye odaklanmay\u0131n. Baz\u0131 k\u00f6t\u00fc finansal al\u0131\u015fkanl\u0131klardan da kurtulmay\u0131 d\u00fc\u015f\u00fcn\u00fcn.   <\/p>\n<h2>Uzman \u0130pucu<\/h2>\n<h4 style=\"line-height: 20.0063037872314px\">Yeni y\u0131lda paran\u0131z\u0131 daha iyi y\u00f6netmekle ilgileniyor musunuz? Online Finans Kurslar\u0131m\u0131zla <a href=\"https:\/\/verdant-pillar.flywheelsites.com\/\" title=\"Online Finans \u00d6\u011frenin\" target=\"_blank\" rel=\"noopener noreferrer\">\u00c7evrimi\u00e7i Finans<\/a> \u00d6\u011frenin.\u00a0<\/h4>\n<p>Ayl\u0131k gelirinizi kendi evinizin rahatl\u0131\u011f\u0131nda, kendi rahatl\u0131\u011f\u0131n\u0131zda ve rahatl\u0131\u011f\u0131n\u0131zda art\u0131rmakla ilgileniyorsan\u0131z, <span style=\"text-decoration: underline\"><em><strong><a href=\"https:\/\/verdant-pillar.flywheelsites.com\/blog-post\/learning-stock-market\" title=\"Borsay\u0131 \u00d6\u011frenmek\" target=\"_blank\" rel=\"noopener noreferrer\">Borsay\u0131 \u00d6\u011frenmeyi<\/a><\/strong><\/em><\/span> d\u00fc\u015f\u00fcnmeniz gerekenden daha fazla. Kursumuza genel bak\u0131\u015f\u0131m\u0131za g\u00f6z at\u0131n ve ihtiya\u00e7lar\u0131n\u0131za uygun olup olmad\u0131\u011f\u0131na bak\u0131n. Ayr\u0131ca, karl\u0131 hisse senetleri sat\u0131n almak ve harika bir uzun vadeli portf\u00f6y olu\u015fturmak i\u00e7in bilmeniz gereken temel bilgileri size \u00f6\u011fretecek <a href=\"https:\/\/verdant-pillar.flywheelsites.com\/blog-post\/how-buy-stocks-beginners\" title=\"Yeni Ba\u015flayanlar \u0130\u00e7in Hisse Senedi Nas\u0131l Sat\u0131n Al\u0131n\u0131r\" target=\"_blank\" rel=\"noopener noreferrer\">olan Yeni Ba\u015flayanlar \u0130\u00e7in Hisse Senedi Nas\u0131l Sat\u0131n Al\u0131n\u0131r<\/a> hakk\u0131nda \u00e7ok bilgilendirici bir makale okumak da ilginizi \u00e7ekebilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Y\u0131l&#8217;da bir\u00e7ok insan yapmak istedikleri \u015feyleri yapmay\u0131 hedefler, ancak finansal kararlar s\u00f6z konusu oldu\u011funda, ka\u00e7\u0131nman\u0131n daha iyi oldu\u011fu \u015feyler olabilir. \u0130\u015fte ka\u00e7\u0131nman\u0131z gereken k\u00f6t\u00fc para al\u0131\u015fkanl\u0131klar\u0131n\u0131n bir listesi.   <\/p>\n","protected":false},"author":9274,"featured_media":128688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11451],"tags":[12678,12679],"course-author":[],"course-level":[],"course-type":[],"class_list":["post-107013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kisisel-finans","tag-2017de-atmayi-dusunmeniz-gereken-7-kotu-para-aliskanligi","tag-kotu-finansal-aliskanliklar"],"acf":[],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/107013","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/users\/9274"}],"replies":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/comments?post=107013"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/107013\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media\/128688"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media?parent=107013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/categories?post=107013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/tags?post=107013"},{"taxonomy":"course-author","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-author?post=107013"},{"taxonomy":"course-level","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-level?post=107013"},{"taxonomy":"course-type","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-type?post=107013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}