{"id":268,"date":"2015-11-12T15:14:28","date_gmt":"2015-11-12T15:14:28","guid":{"rendered":"https:\/\/www.investaz.com.tr\/blog\/?p=268"},"modified":"2019-12-14T11:57:24","modified_gmt":"2019-12-14T11:57:24","slug":"20li-yaslarda-kacinilmasi-gereken-harcama-aliskanliklari","status":"publish","type":"post","link":"https:\/\/www.investaz.com.tr\/blog\/20li-yaslarda-kacinilmasi-gereken-harcama-aliskanliklari\/","title":{"rendered":"20\u2019li Ya\u015flarda Ka\u00e7\u0131n\u0131lmas\u0131 Gereken Harcama Al\u0131\u015fkanl\u0131klar\u0131"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Herkesin para harcama al\u0131\u015fkanl\u0131klar\u0131 \u00e7ok erken ya\u015flarda \u015fekillenmeye ba\u015fl\u0131yor. Kemikle\u015fmi\u015f baz\u0131 al\u0131\u015fkanl\u0131klar\u0131 zaman i\u00e7inde de\u011fi\u015ftirmek de olduk\u00e7a g\u00fc\u00e7. Gen\u00e7 ya\u015fta edinilen al\u0131\u015fkanl\u0131klar\u0131n \u00f6m\u00fcr boyu izlerini b\u0131rakacak etkiler yaratmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek i\u00e7in yolun ba\u015f\u0131ndan itibaren sa\u011flam ad\u0131mlar atmakta fayda var. Para harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131n kazan\u0131ld\u0131\u011f\u0131 20\u2019li ya\u015flarda ka\u00e7\u0131n\u0131lmas\u0131 gereken baz\u0131 durumlar\u0131 bir araya getirdik.<\/span><\/p>\n<p><!--more--><\/p>\n<p><b>Acil Durum Paras\u0131?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Paray\u0131 ne kadar iyi y\u00f6netirseniz y\u00f6netin, kenarda bir yerde acil durum b\u00fct\u00e7esi ay\u0131rmad\u0131ysan\u0131z risk alt\u0131ndas\u0131n\u0131z demektir. Ne olursa olsun asla harcamayaca\u011f\u0131n\u0131z, b\u00fcy\u00fck ve acil bir durum kar\u015f\u0131s\u0131nda kullan\u0131lacak bu b\u00fct\u00e7eye ula\u015fmak i\u00e7in ise tek yapman\u0131z gereken g\u00fcnl\u00fck sat\u0131n alma al\u0131\u015fkanl\u0131klar\u0131n\u0131zda birazc\u0131k de\u011fi\u015fiklik yapmak. B\u00f6ylelikle hep g\u00fcvende olacaks\u0131n\u0131z.<\/span><\/p>\n<p><b>\u201cMutluluk Harcamaktan Gelir\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yanl\u0131\u015f. Tam tersine mutluluk, kendini g\u00fcvende hissetmekle m\u00fcmk\u00fcnd\u00fcr. E\u011fer kendinizi para harcaman\u0131n, al\u0131\u015fveri\u015fin mutluluk getirdi\u011fine inan\u0131rsan\u0131z, kontrols\u00fcz harcamalar\u0131n \u00f6n\u00fcn\u00fc a\u00e7ars\u0131n\u0131z. Sade ve neye ihtiyac\u0131 olup olmad\u0131\u011f\u0131na odaklanan bir ya\u015fam huzuru beraberinde getirir.<\/span><\/p>\n<p><b>Da\u011f Gibi B\u00fcy\u00fcyen Kredi Kart\u0131 Bor\u00e7lar\u0131<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Art\u0131k herkesin \u00fcniversite y\u0131llar\u0131ndan sahip olmaya ba\u015flad\u0131\u011f\u0131 banka kartlar\u0131 ve kredi kartlar\u0131, harcamalar\u0131m\u0131z\u0131 kolayla\u015ft\u0131r\u0131rken, al\u0131\u015fveri\u015f deneyimimizde de farkl\u0131 bir yere oturuyor. K\u00fc\u00e7\u00fck ya\u015flardan kredi bor\u00e7lar\u0131n\u0131n alt\u0131na girmektense, daha kontroll\u00fc harcamalar yaparak bor\u00e7lar\u0131n\u0131z\u0131 minimumda tutabilirsiniz. Ataca\u011f\u0131n\u0131z bu ad\u0131m sayesinde gelece\u011finiz i\u00e7in \u00e7ok do\u011fru bir y\u00f6nelimde bulunmu\u015f olacaks\u0131n\u0131z.<\/span><\/p>\n<p><b>Burs \u00d6demelerini Yanl\u0131\u015f Kullanmak<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00d6\u011frencilik y\u0131llar\u0131na tekab\u00fcl eden ve para harcama al\u0131\u015fkanl\u0131klar\u0131m\u0131z\u0131 geli\u015ftirdi\u011fimiz 20\u2019li ya\u015flar, ayn\u0131 zamanda da d\u00fcnyaya dair en \u00e7ok arzu ve hayalimizin oldu\u011fu zamanlara denk gelmektedir. \u0130\u015fte bu y\u00fczden \u00a0bazen isteklerin yeri ve zaman\u0131 do\u011fru olmasa da, yine de \u0131srarc\u0131 olunabiliyor. Burada \u00f6ncelikleri iyi belirlemek \u00f6nemli. Bulundu\u011funuz an\u0131 m\u00fcmk\u00fcn olan en iyi standartlarda ya\u015famak ve her ne olursa olsun yar\u0131na dair kayg\u0131 g\u00fctmemek mi; yoksa bug\u00fcn\u00fc minimum standartlarda ya\u015fayarak gelece\u011fe g\u00fcvenle bakmak m\u0131? Her ikisi de makul gerek\u00e7elerle desteklenebilecek fikirler. Yeter ki ald\u0131\u011f\u0131n\u0131z karar\u0131n sorumlulu\u011funu da alabilecek bilin\u00e7te olun. \u00a0<\/span><\/p>\n<p><b>K\u0131sa Vadeli D\u00fc\u015f\u00fcnmek<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sadece \u00f6n\u00fcn\u00fczdeki g\u00fcnlere ya da haftalara odaklanmak, resmin tamam\u0131n\u0131 ka\u00e7\u0131rd\u0131\u011f\u0131n\u0131z anlam\u0131na gelir. Hatta bazen ayl\u0131k yap\u0131lan planlar bile yeterli olmayabilir. Y\u0131ll\u0131k b\u00fct\u00e7enizi \u00e7\u0131kar\u0131p, ayl\u0131k olarak da takibini yapman\u0131z durumunda, ileride yapaca\u011f\u0131n\u0131z yat\u0131r\u0131mlar i\u00e7in iyi bir altyap\u0131 olu\u015fturmaya ba\u015flad\u0131n\u0131z demektir. Ancak hi\u00e7bir zaman dar bir \u00e7er\u00e7eveden k\u0131sa vadeli olarak d\u00fc\u015f\u00fcnmeyin. S\u00f6z paraya geldi\u011fi zaman, iyi sonu\u00e7lar i\u00e7in sistemli davran\u0131lm\u0131\u015f \u00a0uzun vadeler ge\u00e7erlidir.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Herkesin para harcama al\u0131\u015fkanl\u0131klar\u0131 \u00e7ok erken ya\u015flarda \u015fekillenmeye ba\u015fl\u0131yor. Kemikle\u015fmi\u015f baz\u0131 al\u0131\u015fkanl\u0131klar\u0131 zaman i\u00e7inde de\u011fi\u015ftirmek de olduk\u00e7a g\u00fc\u00e7. Gen\u00e7 ya\u015fta edinilen al\u0131\u015fkanl\u0131klar\u0131n \u00f6m\u00fcr boyu izlerini b\u0131rakacak etkiler yaratmas\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek i\u00e7in yolun ba\u015f\u0131ndan itibaren sa\u011flam ad\u0131mlar atmakta fayda var. Para harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131n kazan\u0131ld\u0131\u011f\u0131 20\u2019li ya\u015flarda ka\u00e7\u0131n\u0131lmas\u0131 gereken baz\u0131 durumlar\u0131 bir araya getirdik.<\/p>\n","protected":false},"author":1,"featured_media":965,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makaleler"],"_links":{"self":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=268"}],"version-history":[{"count":1,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/268\/revisions"}],"predecessor-version":[{"id":269,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/268\/revisions\/269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media\/965"}],"wp:attachment":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}