{"id":206360,"date":"2024-07-29T06:01:48","date_gmt":"2024-07-29T02:01:48","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=206360","title":{"rendered":"\u201cS\u0259rv\u0259t qatill\u0259ri\u201d:"},"content":{"rendered":"

V\u0259rdi\u015fl\u0259r v\u0259 s\u0259hvl\u0259r maddi rifah \u0259ld\u0259 etm\u0259yiniz\u0259 mane ola bil\u0259r. Bu probleml\u0259ri mü\u0259yy\u0259n etm\u0259kl\u0259 siz onlardan daha yax\u015f\u0131 qaça v\u0259 uzunmüdd\u0259tli iqtisadi u\u011fura aparan yolda özünüzü qura bil\u0259rsiniz.<\/strong><\/p>\n

Ucnoqta.az x\u0259b\u0259r verir ki, New Trader U-ya gör\u0259, yeddi "s\u0259rv\u0259t qatili" var. Onlar\u0131 n\u0259z\u0259r\u0259 alaraq, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131na v\u0259 firavanl\u0131\u011fa nail ola bil\u0259rsiniz.<\/p>\n

1. \u0130nflyasiyan\u0131n n\u0259z\u0259r\u0259 al\u0131nmamas\u0131<\/strong>
\n\u0130nflyasiya çox gec olana q\u0259d\u0259r tez-tez a\u015fkar edilm\u0259y\u0259n s\u0259rv\u0259t qatilidir. Sad\u0259 dill\u0259 des\u0259k, inflyasiya zaman keçdikc\u0259 mal v\u0259 xidm\u0259tl\u0259rin qiym\u0259tl\u0259rinin t\u0259dric\u0259n artmas\u0131, pulunuzun al\u0131c\u0131l\u0131q qabiliyy\u0259tini itirm\u0259sidir.
\n3% inflyasiya il\u0259 pulunuzun d\u0259y\u0259ri c\u0259mi 24 il \u0259rzind\u0259 iki d\u0259f\u0259 azal\u0131r. \u0130nflyasiya il\u0259 mübariz\u0259 aparmaq üçün inflyasiya tempind\u0259n daha sür\u0259tli böyüm\u0259 potensial\u0131na malik aktivl\u0259r\u0259 investisiya qoymaq çox vacibdir. Buraya s\u0259hml\u0259rin, da\u015f\u0131nmaz \u0259mlak\u0131n v\u0259 ya inflyasiyadan qorunan qiym\u0259tli ka\u011f\u0131zlar\u0131n \u015fax\u0259l\u0259ndirilmi\u015f portfeli daxil ola bil\u0259r.
\nBütün pulunuzu a\u015fa\u011f\u0131 faizli \u0259man\u0259t hesab\u0131nda saxlamaq s\u0259rv\u0259tinizin yava\u015f-yava\u015f azald\u0131\u011f\u0131n\u0131 seyr etm\u0259k kimidir. A\u011f\u0131ll\u0131 \u015f\u0259kild\u0259 s\u0259rmay\u0259 qoyaraq v\u0259 inflyasiyan\u0131 qabaqlayaraq pulunuzu i\u015fl\u0259yin.<\/p>\n

2. Pensiya aktivl\u0259rinizin düzgün idar\u0259 olunmamas\u0131<\/strong>
\n\u0130nsanlar\u0131n \u0259n böyük maliyy\u0259 s\u0259hvl\u0259rind\u0259n biri t\u0259qaüd\u0259 ç\u0131xma\u011f\u0131 planla\u015fd\u0131rma\u011fa laqeyd yana\u015fmaqd\u0131r. T\u0259qaüd üçün n\u0259 q\u0259d\u0259r tez q\u0259na\u0259t etm\u0259y\u0259 ba\u015flasan\u0131z, pulunuzun böyüm\u0259si üçün bir o q\u0259d\u0259r çox vaxt laz\u0131md\u0131r. T\u0259\u0259ssüf ki, bir çox insanlar t\u0259qaüd\u0259 ç\u0131xmaq üçün n\u0259 q\u0259d\u0259r ehtiyac duyacaqlar\u0131n\u0131 az qiym\u0259tl\u0259ndirirl\u0259r v\u0259 ya çox gec q\u0259na\u0259t etm\u0259y\u0259 ba\u015flay\u0131rlar.
\n25 v\u0259 ya 35 ya\u015f\u0131nda q\u0259na\u0259t etm\u0259y\u0259 ba\u015flasan\u0131z, pensiya üçün böyük m\u0259bl\u0259\u011fd\u0259 q\u0259na\u0259t ed\u0259 bil\u0259rsiniz. Bu, erk\u0259n ba\u015flama\u011f\u0131n v\u0259 a\u011f\u0131ll\u0131 s\u0259rmay\u0259 qoyma\u011f\u0131n gücüdür. Karyeran\u0131zda ir\u0259lil\u0259dikc\u0259 töhf\u0259l\u0259rinizi v\u0259 pensiyan\u0131z\u0131 art\u0131r\u0131n.<\/p>\n

3. Statik büdc\u0259nin saxlanmas\u0131<\/strong>
\nBüdc\u0259 maliyy\u0259nizi idar\u0259 etm\u0259k üçün güclü bir vasit\u0259dir. H\u0259yat dinamikdir v\u0259 maliyy\u0259 plan\u0131n\u0131z da bel\u0259 olmal\u0131d\u0131r. Statik büdc\u0259 g\u0259lirl\u0259r, x\u0259rcl\u0259r v\u0259 h\u0259yat \u015f\u0259raitind\u0259ki d\u0259yi\u015fiklikl\u0259ri n\u0259z\u0259r\u0259 alm\u0131r ki, bu da potensial olaraq q\u0259na\u0259t v\u0259 investisiya imkanlar\u0131n\u0131n \u0259ld\u0259n ç\u0131xmas\u0131na s\u0259b\u0259b ola bil\u0259r.
\nKaryeran\u0131z ir\u0259lil\u0259dikc\u0259 v\u0259 g\u0259liriniz artd\u0131qca, büdc\u0259nizi müt\u0259madi olaraq n\u0259z\u0259rd\u0259n keçirm\u0259lisiniz. Bir çox insanlar x\u0259rcl\u0259rin g\u0259lirl\u0259 müt\u0259nasib olaraq artd\u0131\u011f\u0131 h\u0259yat t\u0259rzi inflyasiyas\u0131n\u0131n t\u0259l\u0259sin\u0259 dü\u015für. Bunun \u0259v\u0259zin\u0259 maa\u015f art\u0131m\u0131n\u0131z\u0131 \u0259man\u0259tl\u0259rinizi v\u0259 investisiyalar\u0131n\u0131z\u0131 art\u0131rmaq üçün bir fürs\u0259t kimi istifad\u0259 edin.
\nBüdc\u0259nin münt\u0259z\u0259m n\u0259z\u0259rd\u0259n keçirilm\u0259si sistemini, ola bilsin ki, rüblük v\u0259 ya illik olaraq t\u0259tbiq edin. Bu n\u0259z\u0259rd\u0259n keçirm\u0259l\u0259r zaman\u0131 x\u0259rcl\u0259m\u0259 sxeml\u0259rinizi n\u0259z\u0259rd\u0259n keçirin, maliyy\u0259 m\u0259qs\u0259dl\u0259rinizi yenid\u0259n qiym\u0259tl\u0259ndirin v\u0259 laz\u0131mi düz\u0259li\u015fl\u0259r edin. M\u0259s\u0259l\u0259n, borcunuzu öd\u0259yirsinizs\u0259, h\u0259min öd\u0259ni\u015f m\u0259bl\u0259\u011fini \u0259man\u0259tl\u0259r\u0259 v\u0259 ya investisiyalara yönl\u0259ndirin. \u018fg\u0259r yüks\u0259li\u015f \u0259ld\u0259 ets\u0259niz, pensiya töhf\u0259l\u0259rinizi art\u0131rma\u011f\u0131 dü\u015fünün.<\/p>\n

4. Fövq\u0259lad\u0259 v\u0259saitl\u0259rd\u0259n istifad\u0259d\u0259n imtina<\/strong>
\nFövq\u0259lad\u0259 hallar fondu sizin \u015f\u0259xsi maliyy\u0259 yast\u0131\u011f\u0131n\u0131zd\u0131r, gözl\u0259nilm\u0259z x\u0259rcl\u0259ri v\u0259 ya maliyy\u0259 çat\u0131\u015fmazl\u0131qlar\u0131n\u0131 öd\u0259m\u0259k üçün n\u0259z\u0259rd\u0259 tutulmu\u015f xüsusi \u0259man\u0259t hesab\u0131d\u0131r v\u0259 borcunuza dü\u015fm\u0259yiniz\u0259 mane olur.
\nMaliyy\u0259nizi poza bil\u0259c\u0259k ümumi fövq\u0259lad\u0259 hallara i\u015f itkisi, \u0259h\u0259miyy\u0259tli tibbi x\u0259rcl\u0259r v\u0259 ya \u0259sas ev v\u0259 ya avtomobil t\u0259miri daxildir. T\u0259cili yard\u0131m fondu olmadan, maliyy\u0259 t\u0259r\u0259qqiniz\u0259 \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 mane ola bil\u0259c\u0259k kredit kartlar\u0131na v\u0259 ya yüks\u0259k faizli kreditl\u0259r\u0259 etibar etm\u0259k m\u0259cburiyy\u0259tind\u0259 qala bil\u0259rsiniz.<\/p>\n

5. Yeni avtomobil almaq<\/strong>
\nTamamil\u0259 yeni bir avtomobilin c\u0259lbediciliyi dan\u0131lmazd\u0131r, lakin çox vaxt \u0259h\u0259miyy\u0259tli bir s\u0259rv\u0259t qatilidir. Yeni avtomobill\u0259r tez köhn\u0259lir v\u0259 t\u0259kc\u0259 ilk ild\u0259 öz d\u0259y\u0259rinin 20%-ni itirir. Be\u015f il \u0259rzind\u0259 bir çox avtomobil orijinal d\u0259y\u0259rinin 60% v\u0259 ya daha çoxunu itirir. Bu amortizasiya ba\u015fqa yer\u0259 yat\u0131r\u0131la bil\u0259n s\u0259rv\u0259tin \u0259h\u0259miyy\u0259tli itkisi dem\u0259kdir.
\nYenisini almaq \u0259v\u0259zin\u0259, etibarl\u0131 i\u015fl\u0259nmi\u015f avtomobil alma\u011f\u0131 dü\u015fünün. Bu seçiml\u0259r keyfiyy\u0259t v\u0259 etibarl\u0131l\u0131\u011f\u0131 itirm\u0259d\u0259n \u0259h\u0259miyy\u0259tli q\u0259na\u0259t t\u0259min ed\u0259 bil\u0259r.<\/p>\n

6. Kredit kart\u0131ndan sui-istifad\u0259<\/strong>
\nKredit kartlar\u0131 m\u0259suliyy\u0259tl\u0259 istifad\u0259 edil\u0259rs\u0259, güclü maliyy\u0259 al\u0259ti ola bil\u0259r, lakin s\u0259hv istifad\u0259 edildikd\u0259 maliyy\u0259 m\u0259hvin\u0259 aparan sür\u0259tli yol ola bil\u0259r.
\nKredit kartlar\u0131ndan a\u011f\u0131ll\u0131 \u015f\u0259kild\u0259 istifad\u0259 etm\u0259k üçün h\u0259r ay bütün balans\u0131n\u0131z\u0131 h\u0259mi\u015f\u0259 öd\u0259yin. Kartlar\u0131 yaln\u0131z planla\u015fd\u0131r\u0131lm\u0131\u015f al\u0131\u015flar üçün istifad\u0259 edin v\u0259 heç vaxt d\u0259rhal öd\u0259y\u0259 bilm\u0259y\u0259c\u0259yiniz x\u0259rcl\u0259r üçün istifad\u0259 etm\u0259yin.
\nHaz\u0131rda kredit kart\u0131 borcunuz varsa, prioritet olaraq onu öd\u0259yin. Kredit kart\u0131n\u0131zdan m\u0259suliyy\u0259tl\u0259 istifad\u0259 kredit hesab\u0131n\u0131z\u0131 yax\u015f\u0131la\u015fd\u0131rma\u011fa, ipoteka, avtomobil kreditl\u0259ri v\u0259 s\u0131\u011forta haqlar\u0131na q\u0259na\u0259t etm\u0259y\u0259 köm\u0259k ed\u0259 bil\u0259r. Kredit kart\u0131 borcundan qaçmaqla, siz t\u0259kc\u0259 faiz x\u0259rcl\u0259rin\u0259 q\u0259na\u0259t etmirsiniz, h\u0259m d\u0259 g\u0259l\u0259c\u0259kd\u0259 daha yax\u015f\u0131 maliyy\u0259 imkanlar\u0131 üçün z\u0259min haz\u0131rlam\u0131\u015f olursunuz.<\/p>\n

7. \u0130nvestisiyaya m\u0259h\u0259l qoymamaq<\/strong>
\nB\u0259lk\u0259 d\u0259 \u0259n böyük s\u0259rv\u0259t qatili investisiya ed\u0259 bilm\u0259m\u0259kdir. Pul q\u0259na\u0259t etm\u0259k vacib olsa da, onu a\u015fa\u011f\u0131 g\u0259lirli \u0259man\u0259t hesab\u0131nda saxlamaq uzunmüdd\u0259tli s\u0259rv\u0259t yaratma\u011fa köm\u0259k etm\u0259y\u0259c\u0259k. S\u0259rv\u0259tinizi \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 art\u0131rmaq üçün pulunuzu investisiya yolu il\u0259 istifad\u0259 etm\u0259lisiniz.
\nU\u011furlu investisiyan\u0131n açar\u0131 risk tolerantl\u0131\u011f\u0131n\u0131 anlamaqd\u0131r. Buraya s\u0259hml\u0259rin, istiqrazlar\u0131n, da\u015f\u0131nmaz \u0259mlak\u0131n v\u0259 dig\u0259r aktivl\u0259rin qar\u0131\u015f\u0131\u011f\u0131 daxil ola bil\u0259r. A\u015fa\u011f\u0131 qiym\u0259tli indeks fondlar\u0131 yeni ba\u015flayanlar üçün \u0259la ba\u015flan\u011f\u0131c nöqt\u0259si ola bil\u0259r, minimal öd\u0259ni\u015fl\u0259rl\u0259 geni\u015f bazara ç\u0131x\u0131\u015f t\u0259klif edir.
\nF\u0259rqli investisiya variantlar\u0131n\u0131 öyr\u0259nm\u0259kl\u0259 investisiya s\u0259yah\u0259tiniz\u0259 ba\u015flay\u0131n. M\u0259qs\u0259dl\u0259riniz\u0259 v\u0259 riskl\u0259r\u0259 dözümlülüyün\u0259 uy\u011fun strategiya haz\u0131rlamaq üçün maliyy\u0259 m\u0259sl\u0259h\u0259tçisi il\u0259 m\u0259sl\u0259h\u0259tl\u0259\u015fm\u0259yi dü\u015fünün. Yadda saxlay\u0131n ki, s\u0259rmay\u0259 qoyark\u0259n \u0259n böyük s\u0259rv\u0259tiniz vaxtd\u0131r. N\u0259 q\u0259d\u0259r tez ba\u015flasan\u0131z, pulunuzun böyüm\u0259si v\u0259 y\u0131\u011f\u0131lmas\u0131 üçün bir o q\u0259d\u0259r çox vaxt laz\u0131md\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

V\u0259rdi\u015fl\u0259r v\u0259 s\u0259hvl\u0259r maddi rifah \u0259ld\u0259 etm\u0259yiniz\u0259 mane ola bil\u0259r. Bu probleml\u0259ri mü\u0259yy\u0259n etm\u0259kl\u0259 siz onlardan daha yax\u015f\u0131 qaça v\u0259 uzunmüdd\u0259tli iqtisadi u\u011fura aparan yolda özünüzü qura bil\u0259rsiniz. Ucnoqta.az x\u0259b\u0259r…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-206360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/206360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=206360"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/206360\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=206360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=206360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=206360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}