{"id":550,"date":"2020-09-19T13:32:26","date_gmt":"2020-09-19T10:32:26","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=550"},"modified":"2026-03-07T18:50:34","modified_gmt":"2026-03-07T15:50:34","slug":"borclarla-dans","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=550","title":{"rendered":"Bor\u00e7larla dans!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yazma d\u00fc\u015f\u00fcncesinin verdi\u011fi m\u00fcthi\u015f motivasyonla ekran ba\u015f\u0131na oturdu\u011fum ilk g\u00fcn, yay\u0131nlayaca\u011f\u0131m yaz\u0131n\u0131n bir paragraf\u0131na \u015fu c\u00fcmleleri yazm\u0131\u015ft\u0131m:  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8216;Blogdaki fikirler, finans sekt\u00f6r\u00fcnde ge\u00e7en 23 y\u0131lda g\u00f6zlemledi\u011fim insan davran\u0131\u015flar\u0131 ve bizzat yapt\u0131\u011f\u0131m hatalarla harmanlanan bir deneyim seti asl\u0131nda. Bunlar\u0131, finansal \u00f6zg\u00fcrl\u00fck kazanma yolculu\u011funda halen uygulad\u0131\u011f\u0131m stratejiler, bu s\u00fcre\u00e7te ya\u015fad\u0131\u011f\u0131m duygular ve mesleki deneyimlerime ra\u011fmen yapt\u0131\u011f\u0131m basit hatalarla bezeli bir yol haritas\u0131 olarak sizlerle payla\u015faca\u011f\u0131m.&#8217; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">https:\/\/tasarrufdelileri.com\/2020\/08\/23\/finansal-bagimsizlik\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130nsan hata yapt\u0131\u011f\u0131nda daha iyi \u00f6\u011freniyor. Ya\u015fanm\u0131\u015fl\u0131k, en iyi \u00f6\u011fretici \u00e7\u00fcnk\u00fc. Ben de herkes gibi, ya\u015fad\u0131klar\u0131m, g\u00f6rd\u00fcklerim ve deneyimlediklerimi payla\u015f\u0131yorum. \u0130nsano\u011flu \u00f6nce kendinden ilham al\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bug\u00fcn izninizle, sizinle yapt\u0131\u011f\u0131m hatalar\u0131 payla\u015fmak istiyorum. Finansal \u00f6zg\u00fcrl\u00fck yolunda, yap\u0131lmamas\u0131 gereken basit hatalar&#8230;Sonu\u00e7lar\u0131 itibariyle, sadece benim de\u011fil, ailemin de ya\u015fam rutinini baltalayan, ya\u015fanan hayat\u0131 dahi k\u0131s\u0131tlayabilen bir yan\u0131lg\u0131n\u0131n faturalar\u0131&#8230; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bilin\u00e7li tasarrufa kesin olarak ge\u00e7me karar\u0131, herkes i\u00e7in farkl\u0131 nedenlerle verilebiliyor. G\u00f6n\u00fcll\u00fc ya da zorunlu. Benim karar\u0131m bir zorunluluktu. Bazen i\u015f ortam\u0131n\u0131n yaratt\u0131\u011f\u0131 bask\u0131 hali, kendinize, ailenize ve sonucunda gelece\u011finize odaklanman\u0131z\u0131 engelleyebiliyor. Uzunca bir s\u00fcre, b\u00f6yle bir ruh haliyle b\u00fct\u00e7e y\u00f6nettim. Ard\u0131ndan, bir de\u011fi\u015fikli\u011fe karar verdim, kariyerim i\u00e7in farkl\u0131 bir ad\u0131m att\u0131m. Hak etti\u011fim tazminat\u0131 da, tasarruflar\u0131m\u0131za koydum. Takvim 2018&#8217;in haziran ay\u0131n\u0131 g\u00f6steriyordu&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bo\u015f bir excel sayfas\u0131<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bir \u00e7o\u011fumuz gibi ben de, gelir gider hesab\u0131 yapmak gibi bir al\u0131\u015fkanl\u0131\u011fa sahibim. Bir pazar g\u00fcn\u00fc, not defteri yerine, bir excel sayfas\u0131 tercih ettim. Bor\u00e7lanmadan \u00e7\u0131kma karar\u0131n\u0131n ba\u015flang\u0131c\u0131, galiba bu oldu benim i\u00e7in. Bulundu\u011fum g\u00fcnden Ocak 2021&#8217;e kadar, zorunlu veya d\u00f6nemsel ay\u0131rt etmeden, olmu\u015f veya olacak t\u00fcm harcamalar\u0131 sayfaya not ettim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"736\" height=\"366\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-87.png?w=736\" alt=\"\" class=\"wp-image-655\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-87.png 736w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-87-300x149.png 300w\" sizes=\"auto, (max-width: 736px) 100vw, 736px\" \/><figcaption class=\"wp-element-caption\"><strong>Excel hayat kurtar\u0131r m\u0131?<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>G\u0131da ve temizlik gibi market harcamalar\u0131<\/li>\n\n\n\n<li>Ula\u015f\u0131m harcamalar\u0131<\/li>\n\n\n\n<li>Giyim harcamalar\u0131<\/li>\n\n\n\n<li>Faturalar<\/li>\n\n\n\n<li>Bireysel kredi taksitleri<\/li>\n\n\n\n<li>Kredi kart\u0131 bor\u00e7lar\u0131 <\/li>\n\n\n\n<li>Kredi kart\u0131 taksitli al\u0131\u015fveri\u015f detaylar\u0131<\/li>\n\n\n\n<li>Apartman aidat\u0131<\/li>\n\n\n\n<li>\u00c7ocuklar\u0131n okul harcamalar\u0131 <\/li>\n\n\n\n<li>Kredili mevduat hesab\u0131 \u00f6demeleri<\/li>\n\n\n\n<li>Yaz aylar\u0131 i\u00e7in tatil b\u00fct\u00e7esi<\/li>\n\n\n\n<li>Araba-d\u00f6nemsel kasko masraf\u0131<\/li>\n\n\n\n<li>Araba-d\u00f6nemsel trafik sigortas\u0131 masraf\u0131, <\/li>\n\n\n\n<li>Araba-d\u00f6nemsel periyodik servis bak\u0131m masraf\u0131 <\/li>\n\n\n\n<li>Araba-iki y\u0131lda bir genel muayene masraflar\u0131 <\/li>\n\n\n\n<li>Konut ve DASK poli\u00e7e masraflar\u0131 <\/li>\n\n\n\n<li>Eyl\u00fclde artan k\u0131rtasiye ve okul k\u0131yafet harcamalar\u0131 <\/li>\n\n\n\n<li>\u00c7ocuklar\u0131n kurs \u00fccretleri ( basketbol, y\u00fczme vb )<\/li>\n\n\n\n<li>\u00c7ocuklar\u0131n har\u00e7l\u0131klar\u0131<\/li>\n\n\n\n<li>E\u015fimin ve benim g\u00fcnl\u00fck harcamalar\u0131m\u0131z i\u00e7in nakit para vb.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Liste bitmek bilmiyordu&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Farkettiyseniz kira yok. \u00c7\u00fcnk\u00fc 2009&#8217;da %1,51\u2019den 96 ayl\u0131k krediyle evimizi alm\u0131\u015f, faizlerin d\u00fc\u015fmesi, iki kez vade k\u0131saltmal\u0131 refinansman derken 96 ayl\u0131k borcu 58.ayda bitirmi\u015ftik. 2014\u2019\u00fcn ilk ay\u0131yd\u0131&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konut kredisinin biti\u015fi ile excel tablom aras\u0131nda d\u00f6rt y\u0131ldan fazla var. Normal \u015fartlarda bu s\u00fcrede  tasarruflar\u0131n b\u00fcy\u00fcmesi beklenir, ancak \u00f6yle olmad\u0131, konut kredisinin yerine b\u00fcy\u00fck o\u011flumuzun okul taksidi geldi. Bunu k\u00fc\u00e7\u00fck o\u011flumuzun ilkokul ba\u015flang\u0131c\u0131 izledi, \u00f6zetle harcama listemiz, sat\u0131rlar\u0131ndan pek bir \u015fey kaybetmedi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"742\" height=\"326\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-89.png?w=742\" alt=\"\" class=\"wp-image-658\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-89.png 742w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-89-300x132.png 300w\" sizes=\"auto, (max-width: 742px) 100vw, 742px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ger\u00e7ekle y\u00fczle\u015fme<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Modern insan\u0131n en b\u00fcy\u00fck ihtiyac\u0131n\u0131n <strong>&#8216;anla\u015f\u0131lmak&#8217; <\/strong>oldu\u011funu d\u00fc\u015f\u00fcnm\u00fc\u015f\u00fcmd\u00fcr. Ne kadar sevilirsek sevilelim; insan olarak hepimiz, hayat\u0131m\u0131za dair baz\u0131 k\u0131r\u0131nt\u0131lar b\u0131rak\u0131yoruz ard\u0131m\u0131zda. O k\u0131r\u0131nt\u0131lar, hayattan ald\u0131\u011f\u0131m\u0131z mesaj\u0131n di\u011fer insanlara aktar\u0131labilmesi i\u00e7in, i\u00e7ten i\u00e7e bulunmas\u0131n\u0131 istedi\u011fimiz ve bulundu\u011funda da <strong>&#8216;farkedilmemizi&#8217;<\/strong> sa\u011flayacak ipu\u00e7lar\u0131ym\u0131\u015f gibi geliyor bana. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bulundu\u011funda ve hayat mesaj\u0131m\u0131z <strong>&#8216;anla\u015f\u0131ld\u0131\u011f\u0131nda&#8217; <\/strong>huzur bulacakm\u0131\u015f\u0131z gibi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anla\u015f\u0131lma ihtiyac\u0131, ya\u015fad\u0131\u011f\u0131m\u0131z h\u0131zl\u0131 \u00e7a\u011fda, tatmin edemedi\u011fimiz duygular\u0131n ba\u015f\u0131nda. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir \u00e7o\u011fumuzun akl\u0131na bile gelmeyen, \u00f6ncelik s\u0131ralamam\u0131zda yer etmeyen bir \u015fey belki de, kim bilir&#8230; Ancak bunun s\u00fcrekli ertelenmesi ve eksikli\u011finin maddi \u015feylerle doldurulmaya \u00e7al\u0131\u015f\u0131lmas\u0131, bizi bu kez, tan\u0131d\u0131k bir duygunun <strong>yoklu\u011fuyla<\/strong> kar\u015f\u0131 kar\u015f\u0131ya b\u0131rak\u0131yor: mutluluk. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mutlulu\u011fu farkl\u0131 farkl\u0131 se\u00e7eneklerde ar\u0131yoruz. \u0130nsan mutsuzken, buna \u00e7\u00f6z\u00fcm bulmak istiyor. \u0130\u015fin finansal taraf\u0131na bakt\u0131\u011f\u0131m\u0131zda ise, mutsuzken daha \u00e7ok t\u00fcketebiliyor, bor\u00e7lan\u0131p oda\u011f\u0131n\u0131 kaybedebiliyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benim, d\u00f6rt y\u0131l gibi hat\u0131r\u0131 say\u0131l\u0131r bir s\u00fcre boyunca, i\u00e7inde ya\u015fad\u0131\u011f\u0131m duygu buydu. T\u00fcketimle elde etmeye \u00e7al\u0131\u015ft\u0131\u011f\u0131m tatmin sabun k\u00f6p\u00fc\u011f\u00fc gibi ge\u00e7ti ve kar\u015f\u0131ma daha b\u00fcy\u00fck sorunlar \u00e7\u0131kard\u0131. Tasarruf al\u0131\u015fkanl\u0131\u011f\u0131m kesintiye u\u011fram\u0131\u015f, bir de buna ya\u015fad\u0131\u011f\u0131m dar bo\u011fazlar\u0131 yeni bor\u00e7larla a\u015fmak gibi yanl\u0131\u015f kararlar da eklenince; y\u00fczle\u015fmekten korktu\u011fum ger\u00e7ek, art\u0131k \u00f6n\u00fcm\u00fc kapam\u0131\u015ft\u0131:    <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>d\u00f6rt bireysel kredi<\/li>\n\n\n\n<li>d\u00f6rt kredi kart\u0131<\/li>\n\n\n\n<li>bir kredili mevduat hesab\u0131<\/li>\n\n\n\n<li>\u00e7ocuklar\u0131n okul \u00f6demeleri<\/li>\n\n\n\n<li>di\u011fer sabit giderler&#8230;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nceki y\u0131llar\u0131n finansal kazan\u0131mlar\u0131n\u0131 da birer birer eritmi\u015ftim. Ba\u015f\u0131m iki elimin aras\u0131nda, uzunca bir s\u00fcre, \u00f6ylece kalakald\u0131\u011f\u0131m\u0131 hat\u0131rl\u0131yorum&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"674\" height=\"450\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-91.png?w=674\" alt=\"\" class=\"wp-image-661\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-91.png 674w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-91-300x200.png 300w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bor\u00e7lar 58 , tasarruflar 42 !<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Ev ve araba gibi b\u00fcy\u00fck tasarruflar\u0131 hesaba katmazsak, tasarruflar\u0131m\u0131z bor\u00e7lara yetmiyordu. Elimizdeki likit de\u011ferin %40 fazlas\u0131 kadar borcumuz vard\u0131. Tablonun as\u0131l moral bozan k\u0131sm\u0131 ise, borcun uzun vadeye yay\u0131lm\u0131\u015f olmas\u0131yd\u0131. ( kalan taksit say\u0131s\u0131 33&#8217;\u00fcn \u00fcst\u00fcnde olan, d\u00f6rt tane kredi ) <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zeti, hem g\u00fcncel durumda eksideydik, hem de en az \u00fc\u00e7 y\u0131l bu kaotik durumu devam ettirmek zorundayd\u0131k. Konu\u015ftuk&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7ocuklar\u0131n ihtiya\u00e7lar\u0131n\u0131 kapsam d\u0131\u015f\u0131 b\u0131rak\u0131p, tasarrufa gidilebilir her kalemi incelemeye karar verdik. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"470\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-93.png?w=723\" alt=\"\" class=\"wp-image-666\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-93.png 723w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-93-300x195.png 300w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bu kadar gider mi olur?!<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Listeyi olu\u015ftururken, giderlerin ne kadar \u00e7ok oldu\u011funu farkettim. Ana tabloda, sadece faturalar detay\u0131nda on bir gider kalemi vard\u0131 ve yaz\u0131n\u0131n giri\u015f k\u0131sm\u0131ndaki di\u011fer harcamalarla birlikte toplam gider say\u0131s\u0131 otuzu buluyordu!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8216;\u0130\u015ften artmaz, di\u015ften artar&#8217; dedik, yemek \u00fccretlerinin pahal\u0131 oldu\u011fu yerlerde \u00e7al\u0131\u015ft\u0131\u011f\u0131m\u0131z i\u00e7in, e\u015fim ve ben \u00f6\u011fle yeme\u011fini evden g\u00f6t\u00fcrd\u00fck. Yemek \u00e7eklerini de markette kullanarak kart giderlerini bask\u0131lamaya \u00e7al\u0131\u015ft\u0131k. Bu \u00f6nlemlerin, kart harcamalar\u0131nda %10 gibi bir tasarruf yaratt\u0131\u011f\u0131n\u0131 s\u00f6yleyebilirim.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999.jpg?w=1024\" alt=\"\" class=\"wp-image-695\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999.jpg 1880w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999-300x200.jpg 300w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999-1024x682.jpg 1024w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999-768x512.jpg 768w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/pexels-photo-3687999-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">TV platformlar\u0131ndan birinde paket hizmete ( TV+internet+ev telefonu ) d\u00f6nd\u00fck, ev interneti ve ev telefonunu iptal edip iki faturay\u0131 azaltt\u0131k. Di\u011fer TV platformunu giri\u015f pakete al\u0131p, fiyat\u0131 \u00fc\u00e7te bire \u00e7ektik. Cep telefonu tarifelerimizi de\u011fi\u015ftirdik. Elektrik, su ve do\u011falgazla ilgili olarak da bildi\u011fimiz k\u00fc\u00e7\u00fck \u00f6nlemlere odakland\u0131k. Bu dokunu\u015flar\u0131n etkisi de, fatura giderlerinde %15 gibi bir tasarrufa i\u015faret eder&#8230; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"357\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-95.png?w=584\" alt=\"\" class=\"wp-image-669\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-95.png 584w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-95-300x183.png 300w\" sizes=\"auto, (max-width: 584px) 100vw, 584px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Market harcamalar\u0131n\u0131 g\u00f6zden ge\u00e7irdik. Depolamadan ka\u00e7\u0131nd\u0131k, ald\u0131\u011f\u0131m\u0131z\u0131 t\u00fcketmeye \u00f6zen g\u00f6sterdik. Al\u0131\u015fveri\u015fi sadece cumartesi g\u00fcn\u00fc, haftal\u0131k \u00f6l\u00e7ekte ve mahalle marketinden yapt\u0131k. B\u00fcy\u00fck marketlerden uzak durduk. G\u00fcnl\u00fck t\u00fcketilenleri de, sabah erkenden almaya \u00e7al\u0131\u015ft\u0131k. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fiyat etiketlerine daha fazla dikkat ettim. Kafamda bir fiyat haf\u0131zas\u0131 yaratmaya \u00e7al\u0131\u015ft\u0131m, bu durum bir s\u00fcre sonra en k\u00fc\u00e7\u00fck al\u0131\u015fveri\u015fteki fiyat de\u011fi\u015fimini bile alg\u0131lamam\u0131 sa\u011flad\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u0130htiya\u00e7 kredileri<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bahsetti\u011fim bu dokunu\u015flar b\u00fct\u00e7emizde olumlu sonu\u00e7lar yaratt\u0131 elbette. Ancak as\u0131l mesele; krediler, kart ekstre bor\u00e7lar\u0131 ve taksitli kart harcamalar\u0131yd\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020 sonuna kadar \u00f6denecek olan t\u00fcm bireysel kredi taksitlerini tabloya koydum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi taksitleri ka\u00e7\u0131n\u0131lmazd\u0131, zira hem faiz oranlar\u0131 \u00e7ok d\u00fc\u015f\u00fckt\u00fc, hem de erken kapatmay\u0131 d\u00fc\u015f\u00fcnmeyece\u011fim i\u00e7in d\u00fczenli \u00f6demek d\u0131\u015f\u0131nda se\u00e7ene\u011fim de yoktu! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu y\u00fczden k\u0131sa\/orta vadede tamamen eritebilece\u011fim giderlere odakland\u0131m: Kartlar ve kredili mevduat&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-96.png?w=883\" alt=\"\" class=\"wp-image-672\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Sadele\u015fme ad\u0131mlar\u0131<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Sadece bir kart\u0131 market al\u0131\u015fveri\u015flerinde kulland\u0131m, ona da haftal\u0131k harcama limiti koyup, bu kurala kesin bi\u00e7imde uyuyordum. Komik gelebilir, market al\u0131\u015fveri\u015fine a\u00e7 olarak gitmemek gibi bir kural\u0131m bile vard\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm kredi kartlar\u0131 i\u00e7in ayr\u0131 dosyalar a\u00e7\u0131p, kart baz\u0131nda t\u00fcm bor\u00e7lar\u0131, minimum \u00f6demeyle en h\u0131zl\u0131 ka\u00e7 ayda bitirebilece\u011fimizi hesaplad\u0131m. Minimum \u00f6demeyle faiz \u00f6d\u00fcyordum ancak buna katlanacakt\u0131m. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sonraki ay\u0131n ekstre bor\u00e7 tahminini, toplam bor\u00e7tan minimum \u00f6demeyi \u00e7\u0131kar\u0131p, kalan bakiyeye bir ayl\u0131k faiz i\u015fleterek yap\u0131yordum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tahminlerin t\u00fcm\u00fcn\u00fc sim\u00fclasyona ekledim. Kredili mevduat hesab\u0131 i\u00e7in de ayn\u0131 y\u00f6ntemi uygulad\u0131m. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"242\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-41.png?w=584\" alt=\"\" class=\"wp-image-440\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-41.png 584w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-41-300x124.png 300w\" sizes=\"auto, (max-width: 584px) 100vw, 584px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u015fimle birlikte, iki kart\u0131 hemen o ay iptal ettik. Di\u011fer ikisinin bor\u00e7lar\u0131n\u0131 da bir y\u0131l i\u00e7inde tamamen bitirecek ve limitlerini okul \u00f6demeleri i\u00e7in yedekte tutacakt\u0131k. Ekstreler gelmeye devam etti, d\u00f6rd\u00fcne de \u00f6ng\u00f6rd\u00fc\u011f\u00fcm tutarlarda \u00f6demeler yapt\u0131k. \u0130ptallerin borcu, yeni harcama olmad\u0131\u011f\u0131 i\u00e7in azalarak eridi; di\u011fer ikisinin limitleri de a\u00e7\u0131lmaya ba\u015flad\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tabloda bir sat\u0131r\u0131 kar-zarar durumuna ay\u0131rm\u0131\u015ft\u0131m. San\u0131r\u0131m en kritik saptamalar\u0131 da bu sayede yap\u0131yordum. Hangi ay art\u0131da oldu\u011fumu, hangi ay ekside oldu\u011fumu \u00f6nceden kestirebiliyordum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0131k\u0131nt\u0131l\u0131 aylarda harcama konusu olan herhangi bir \u015fey <strong>bir istek <\/strong>ise, zaten alm\u0131yorduk. <strong>Bir ihtiya\u00e7 <\/strong>ise ertelenebilir olup olmad\u0131\u011f\u0131na bak\u0131yorduk. Erteleme l\u00fcks\u00fcm\u00fcz varsa, b\u00fct\u00e7e a\u00e7\u0131\u011f\u0131 olmayan ayda gideriyorduk. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"347\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-98.png?w=576\" alt=\"\" class=\"wp-image-674\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-98.png 576w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-98-300x181.png 300w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Tasarruflar<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bor\u00e7lar bu haldeyken, tasarruflar\u0131m\u0131z gelenekseldi ve ilk dokuz ay \u00e7ok az b\u00fcy\u00fcyebildi. \u00c7\u00fcnk\u00fc kartlarda ilk \u00f6demeler y\u00fckl\u00fcyd\u00fc ; \u00f6yle aylarda bazen mevduat faiziyle, bazen anaparadan bir miktar \u00e7ekerek eksi\u011fi tamaml\u0131yorduk. 2018 yaz\u0131nda y\u00fczde 25&#8217;lere f\u0131rlayan TL faizler o d\u00f6nemde tasarruflar\u0131m\u0131z\u0131 art\u0131rm\u0131yordu belki ama, bor\u00e7lar\u0131m\u0131z\u0131 azalt\u0131yordu. Bu da bir \u015feydi&#8230; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00fct\u00e7e ay\u0131r\u0131p, ekleme yapt\u0131\u011f\u0131m\u0131z tek bir yat\u0131r\u0131m\u0131m\u0131z vard\u0131: <strong>Bireysel emeklilik.<\/strong> Ailenin her ferdi i\u00e7in ayr\u0131 \u00f6deniyordu, katk\u0131 pay\u0131na hi\u00e7 ara vermedik. Katk\u0131lar\u0131 minimuma \u00e7ektik, ancak \u00f6dedik. Fiziki alt\u0131na ise, hi\u00e7 dokunmad\u0131k. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dokuz ay\u0131n sonunda&#8230;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcketimi bask\u0131lay\u0131p, borca \u00f6ncelik verince, taksiti biten kartlar hayat\u0131m\u0131zdan \u00e7\u0131kt\u0131, aktif kart ikiye d\u00fc\u015ft\u00fc. Kredili mevduat hesab\u0131 kapand\u0131. \u00dc\u00e7 bor\u00e7tan kurtulduk. Net birikimlerimiz ( birikimler &#8211; bor\u00e7lar ) eksi b\u00f6lgeden, art\u0131 b\u00f6lgeye ge\u00e7ti. Bor\u00e7 &amp; tasarruf ili\u015fkisi, tasarruf lehine d\u00f6nd\u00fc. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-81.png?w=570\" alt=\"\" class=\"wp-image-599\" style=\"width:570px;height:284px\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00fcrecin en keyifli k\u0131sm\u0131, bir sonraki ay \u00f6deme yapmayaca\u011f\u0131m sat\u0131rlar\u0131 tablodan silmekti. En b\u00fcy\u00fck mutlulu\u011fum bu olmu\u015ftu. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Ders alman\u0131n ya\u015f\u0131 yok<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm bunlar yazarken kolay, ya\u015farken zor elbette&#8230; Bor\u00e7lar\u0131 azaltma \u00e7abam\u0131zdaki en zor d\u00f6nemin notlar\u0131 bunlar. Sonu\u00e7 olarak \u00f6zel bir deneyim, do\u011fru&amp;yanl\u0131\u015f, g\u00fcnah\u0131 benim. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak \u015funu biliyorum, plan dahilinde ula\u015f\u0131lan her hedef, yorgunlu\u011fu al\u0131yor ve yeni motivasyon sa\u011fl\u0131yor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benim i\u00e7in ders al\u0131nacak k\u0131s\u0131m, meslek avantaj\u0131 ta\u015f\u0131mama ra\u011fmen hatalar yapmakt\u0131. Bo\u015flu\u011fu t\u00fcketimle doldurmaya \u00e7al\u0131\u015fmak, bor\u00e7lar\u0131 s\u00fcrekli uzun vadeye yaymak gibi&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Yolculukta yirmi sekiz ay&#8230;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Elbette ki herkesin tasarruf hikayesi farkl\u0131. Benimki, do\u011fru bir uzun vadeli bor\u00e7lanma sonucunda konut sahibi olarak ba\u015flad\u0131. \u00c7ocuklar\u0131n okul masraflar\u0131n\u0131n devreye girmesiyle devam etti. K\u0131r\u0131lma noktas\u0131ysa d\u00f6rt y\u0131l gibi bir s\u00fcre, tasarrufa odaklanmamakt\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bo\u015f excel sayfas\u0131n\u0131n \u00fczerinden ge\u00e7en yirmi sekizinci ayda, bor\u00e7-birikim ve net birikimlerden olu\u015fan <strong>Eyl\u00fcl 2020 grafi\u011fi<\/strong> a\u015fa\u011f\u0131daki gibidir. En ho\u015fuma giden k\u0131sm\u0131ysa, bor\u00e7 ve birikim \u00e7izgilerinin birbirlerinden net bi\u00e7imde uzakla\u015fmas\u0131. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aman uzak olsunlar!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-83.png?w=645\" alt=\"\" class=\"wp-image-617\"\/><figcaption class=\"wp-element-caption\"><strong>19 Eyl\u00fcl 2020 tablosu <\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bitirirken&#8230;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Hangi yoldan gidersek gidelim; sonucunda varmak istedi\u011fimiz yer ayn\u0131: <strong>finansal \u00f6zg\u00fcrl\u00fck. <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Temel ilke bor\u00e7lanmay\u0131 makul tutmak, m\u00fcmk\u00fcnse k\u0131sa vadeli t\u00fcketimler yerine, orta\/uzun vadeli yat\u0131r\u0131mlar i\u00e7in bor\u00e7lanmak ve tasarruflar\u0131 \u00e7e\u015fitlendirerek b\u00fcy\u00fctmek olmal\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kabaca iki bu\u00e7uk y\u0131la yakla\u015fan bu \u00f6\u011fretici s\u00fcrecin bende b\u0131rakt\u0131\u011f\u0131 en derin iz nedir diye d\u00fc\u015f\u00fcn\u00fcyorum&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mutlulu\u011fu t\u00fcketimde aramamak!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En net \u00e7\u0131kar\u0131m\u0131m budur&#8230; <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015flad\u0131\u011f\u0131m g\u00fcnle bug\u00fcn aras\u0131nda nas\u0131l bir fark var diye sorarsan\u0131z da, <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eunu mutlulukla s\u00f6yleyebilirim:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bor\u00e7lar 12, tasarruflar 88 !<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131kla kal\u0131n&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yazma d\u00fc\u015f\u00fcncesinin verdi\u011fi m\u00fcthi\u015f motivasyonla ekran ba\u015f\u0131na oturdu\u011fum ilk g\u00fcn, yay\u0131nlayaca\u011f\u0131m yaz\u0131n\u0131n bir paragraf\u0131na \u015fu c\u00fcmleleri yazm\u0131\u015ft\u0131m: &#8216;Blogdaki fikirler, finans sekt\u00f6r\u00fcnde ge\u00e7en 23 y\u0131lda g\u00f6zlemledi\u011fim insan davran\u0131\u015flar\u0131 ve bizzat yapt\u0131\u011f\u0131m&hellip;<\/p>\n","protected":false},"author":1,"featured_media":652,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[34],"class_list":["post-550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-tasarruf"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/550","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=550"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/550\/revisions"}],"predecessor-version":[{"id":4171,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/550\/revisions\/4171"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/652"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}