{"id":697562,"date":"2024-03-04T14:32:04","date_gmt":"2024-03-04T10:32:04","guid":{"rendered":"https:\/\/arantv.az\/?p=697562"},"modified":"2024-03-04T14:32:04","modified_gmt":"2024-03-04T10:32:04","slug":"pula-nec%c9%99-q%c9%99na%c9%99t-ed%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=697562","title":{"rendered":"Pula nec\u0259 q\u0259na\u0259t ed\u0259k?"},"content":{"rendered":"

Hesab\u0131n\u0131z\u0131n balans\u0131na baxark\u0259n, pullar\u0131n niy\u0259 i\u015f\u0131q s\u00fcr\u0259ti il\u0259 x\u0259rcl\u0259ndiyini d\u00fc\u015f\u00fcn\u00fcrs\u00fcn\u00fczs\u0259, dem\u0259li t\u0259cili olaraq b\u00fcdc\u0259nizin idar\u0259 edilm\u0259sin\u0259\u00a0 diqq\u0259t yetirm\u0259yin\u00a0 zaman\u0131 \u00e7at\u0131b.<\/strong><\/em><\/p>\n

“Ehtiyac” v\u0259 “ist\u0259k” aras\u0131ndak\u0131 tarazl\u0131q<\/strong><\/p>\n

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\u018fn vacib h\u0259yat \u0259n \u0259sas t\u0259l\u0259bat\u0131n\u0131z \u00fc\u00e7\u00fcn ay \u0259rzind\u0259\u00a0 x\u0259rcl\u0259diyiniz m\u0259bl\u0259\u011fi d\u0259qiq dey\u0259 bil\u0259rsinizmi? \u00c7oxumuz kommunal xidm\u0259tl\u0259r\u0259 v\u0259 ipotekalara t\u0259xmin\u0259n n\u0259 q\u0259d\u0259r pul x\u0259rcl\u0259ndiyini bilirik. Lakin \u00e7ox az adam sabit x\u0259rcl\u0259rin d\u0259qiq siyah\u0131s\u0131n\u0131 saxlay\u0131r.<\/p>\n

Rifah\u0131n\u0131z\u0131n ikinci komponenti \u201cd\u0259yi\u015f\u0259n x\u0259rcl\u0259r\u201ddir v\u0259 onlar daha maraql\u0131d\u0131r. Kinoya getm\u0259k, yeni qadjet, d\u0259bli restoranda \u015fam yem\u0259yi, yax\u0131nlar\u0131n\u0131z \u00fc\u00e7\u00fcn h\u0259diyy\u0259l\u0259r, t\u0259til s\u0259f\u0259rl\u0259ri v\u0259 s. komponentl\u0259r h\u0259yat\u0131 daha rahat v\u0259\u00a0 \u0259yl\u0259nc\u0259li edir. Ancaq onlars\u0131z da ya\u015famaq m\u00fcmk\u00fcnd\u00fcr.<\/p>\n

M\u00fcasir kou\u00e7lar\u0131n\u00a0 dediyi kimi, h\u0259yatda \u0259n \u0259sas balansd\u0131r. N\u0259y\u0259 ehtiyac\u0131n\u0131z oldu\u011funu bilmirsinizs\u0259, o zaman \u00a0al\u0131\u015f-veri\u015f\u0259 n\u0259 q\u0259d\u0259r pul x\u0259rcl\u0259y\u0259 bil\u0259c\u0259yinizi t\u0259xmin ed\u0259 bilm\u0259y\u0259c\u0259ksiniz. \u00c7ox g\u00fcman ki, daha \u00e7ox x\u0259rcl\u0259y\u0259c\u0259ksiniz v\u0259 bel\u0259 olduqda \u0259sas ehtiyaclar \u00fc\u00e7\u00fcn kifay\u0259t q\u0259d\u0259r pul qalmayacaq.<\/p>\n

Bunu nec\u0259 nizamlamaq olar:\u00a0<\/strong>1-2 ay \u0259rzind\u0259 tamamil\u0259 b\u00fct\u00fcn x\u0259rcl\u0259rinizin qeydiyyat\u0131n\u0131 aparma\u011fa ba\u015flay\u0131n – ofis\u0259 ged\u0259n yolda bir fincan q\u0259hv\u0259d\u0259n tutmu\u015f b\u00fct\u00fcn x\u0259rcl\u0259rinizi\u00a0 v\u0259 h\u0259tta borc verdiyiniz pullar\u0131 bel\u0259. Ki\u00e7ik x\u0259rcl\u0259rin n\u0259 q\u0259d\u0259r\u00a0 \u0259h\u0259miyy\u0259tli bir m\u0259bl\u0259\u011f\u0259 \u00e7atmas\u0131 he\u00e7 d\u0259 \u00a0az adam\u0131 d\u0259h\u015f\u0259t\u0259 g\u0259tirm\u0259yib.<\/p>\n

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Art\u0131q bir \u00e7ox bank proqramlar\u0131 x\u0259rcl\u0259rinizin hesab\u0131n\u0131 aparmaq\u00a0 t\u0259klifini edir. Lakin \u00a0ayr\u0131ca bir t\u0259tbiq yaratmaq v\u0259 b\u00fct\u00fcn x\u0259rcl\u0259ri sizin qeyd etm\u0259yiniz daha maraql\u0131d\u0131r – bu \u00fcsulla\u00a0 h\u0259yat\u0131n\u0131z\u0131n \u0259sas komponenetl\u0259rinin d\u0259y\u0259rini bil\u0259c\u0259ksiniz.<\/p>\n

Bu yana\u015fma il\u0259 h\u0259yat\u0131n\u0131z\u0131n hans\u0131 sah\u0259l\u0259rini t\u0259kmill\u0259\u015fdirm\u0259yin vacib oldu\u011funu v\u0259 h\u0259l\u0259lik hans\u0131 x\u0259rcl\u0259rd\u0259n \u00e7\u0259kinm\u0259yin daha yax\u015f\u0131 oldu\u011funu planla\u015fd\u0131rmaq \u00a0asan olacaq.<\/p>\n

Kreditl\u0259r, insan t\u0259r\u0259find\u0259n yarad\u0131lan bir \u00e7ox vasit\u0259 kimi, planlar\u0131n\u0131z\u0131 v\u0259 ambisiyalar\u0131n\u0131z\u0131 h\u0259yata ke\u00e7irm\u0259k \u00fc\u00e7\u00fcn \u00e7ox faydal\u0131 ola bil\u0259r.Lakin \u015f\u00fcursuz \u015f\u0259kild\u0259 istifad\u0259 edildikd\u0259, sizi \u0259sl maliyy\u0259 t\u0259l\u0259sin\u0259 s\u00fcr\u00fckl\u0259y\u0259 bil\u0259r.<\/p>\n

M\u0259nzil almaq \u00fc\u00e7\u00fcn ipoteka faydal\u0131 kreditdir. Lakin yeni telefon almaq v\u0259 ya \u0259yl\u0259nc\u0259 \u00fc\u00e7\u00fcn istifad\u0259 edil\u0259n kredit daha sonra borc t\u0259l\u0259sin\u0259 \u00e7evrilir. Vaxt\u0131 \u00e7atanda is\u0259 ondan xilas olmaq \u00fc\u00e7\u00fcn\u00a0 daha \u00e7ox s\u0259y g\u00f6st\u0259rib v\u0259 daha \u00e7ox pul s\u0259rf etm\u0259k m\u0259cburiyy\u0259tind\u0259 qal\u0131rsan. Banklar biz\u0259 x\u0259yal\u0131m\u0131zdak\u0131 h\u0259yat\u0131 s\u0259rf\u0259li kredit \u015f\u0259rtl\u0259ri il\u0259 ala bil\u0259c\u0259yimiz fikrini sat\u0131r. Lakin bu \u015f\u0259rtl\u0259r\u0259 diqq\u0259tl\u0259 baxsan\u0131z, onlar art\u0131q o q\u0259d\u0259r d\u0259 c\u0259lbedici olmad\u0131\u011f\u0131n\u0131 g\u00f6r\u0259c\u0259ksiniz. Sad\u0259 s\u00f6zl\u0259rl\u0259 des\u0259k banklar g\u00fcz\u0259\u015ftli kredit \u015f\u0259rtl\u0259ri il\u0259 \u00f6y\u00fcn\u0259 bil\u0259r, o halda ki, siz pulu faiz hesablanana q\u0259d\u0259r faktiki olaraq qaytar\u0131rs\u0131n\u0131z. B\u00fct\u00fcn dig\u0259r hallarda is\u0259 siz banklar \u00fc\u00e7\u00fcn bir n\u00f6v passiv g\u0259lir m\u0259nb\u0259yisiniz.<\/p>\n

B\u0259s b\u00fct\u00fcn bunlarla n\u0259 etm\u0259li?<\/strong>\u00a0Ayl\u0131q kredit \u00f6d\u0259ni\u015fl\u0259rinizin m\u0259bl\u0259\u011fini \u00fcmumi g\u0259lirinizin 30-40%-ni ke\u00e7m\u0259sin\u0259 imkan verm\u0259yin v\u0259 kreditl\u0259ri m\u00fcmk\u00fcn q\u0259d\u0259r tez ba\u011flama\u011fa \u00e7al\u0131\u015f\u0131n.<\/p>\n

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\u00dcmumiyy\u0259tl\u0259, pul n\u0259y\u0259 g\u00f6r\u0259 laz\u0131md\u0131r?<\/strong>\u00a0\u018fn \u00fcmumi cavablardan biri: T\u0259bii ki, ya\u015famaq \u00fc\u00e7\u00fcn! Bu, a\u011flabatan s\u0259sl\u0259nir. Lakin \u00e7ox vaxt g\u00fcnd\u0259lik i\u015fd\u0259 oldu\u011fumuz \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r f\u0259rqli ya\u015faya bil\u0259c\u0259yimizi unuduruq. \u018fg\u0259r h\u0259yat\u0131n\u0131z\u0131n nec\u0259 olmas\u0131n\u0131 ist\u0259diyinizi bilmirsinizs\u0259, m\u00fctl\u0259q siz\u0259 bunu nec\u0259 ed\u0259c\u0259yinizi s\u00f6yl\u0259y\u0259c\u0259k biri olacaq. Pullarla\u00a0 da eynidir: pulunuzu hara y\u00f6n\u0259ltm\u0259k ist\u0259diyiniz\u0259 dair konkret planlar\u0131n\u0131z yoxdursa, o zaman pullar\u0131n\u0131z t\u0259sad\u00fcfi x\u0259rcl\u0259r\u0259 v\u0259 ya g\u00f6z\u0259l reklam \u015firk\u0259tl\u0259rinin t\u0259siri alt\u0131na d\u00fc\u015fm\u0259y\u0259 davam ed\u0259c\u0259k.<\/p>\n

\u018fslind\u0259, bir \u00e7ox insanlar\u0131n firavan h\u0259yat anlay\u0131\u015f\u0131 eynidir:<\/strong>\u00a0maa\u015fdan maa\u015fa q\u0259d\u0259r ya\u015famaq, qocal\u0131qda n\u0259inki pensiya il\u0259 hesabla\u015fmaq, ev tikm\u0259k, u\u015faqlar\u0131n m\u00fcmk\u00fcn q\u0259d\u0259r yax\u015f\u0131 t\u0259hsil almas\u0131 \u00fc\u00e7\u00fcn pul \u00f6d\u0259m\u0259k.\u00a0 B\u00fct\u00fcn bunlar g\u00f6z\u0259l s\u0259sl\u0259nir. Lakin bunlar\u0131n he\u00e7 biri m\u0259qs\u0259d deyil.<\/p>\n

Bu c\u00fcr x\u0259yallar\u0131 konkret, \u00f6l\u00e7\u00fcl\u0259 bil\u0259n v\u0259 real r\u0259q\u0259ml\u0259rl\u0259 onlara n\u0259 q\u0259d\u0259r vaxta \u00e7atmaq ist\u0259diyinizi bir yer\u0259 qeyd etm\u0259y\u0259n\u0259 q\u0259d\u0259r, onlar yaln\u0131z x\u0259yallar olaraq qalacaqlar. \u00c7ox vaxt qeyri-reald\u0131rlar, \u00a0bel\u0259 geni\u015fmiqyasl\u0131 i\u015fl\u0259r m\u00fc\u0259yy\u0259n maliyy\u0259 intizam\u0131 t\u0259l\u0259b edir. M\u0259s\u0259l\u0259n: \u0259g\u0259r maa\u015f\u0131n\u0131z ayda el\u0259 d\u0259 y\u00fcks\u0259k r\u0259q\u0259m t\u0259\u015fkil etmirs\u0259, onda \u00f6vlad\u0131n\u0131z\u0131 \u0130sve\u00e7r\u0259d\u0259 \u00f6z\u0259l m\u0259kt\u0259b\u0259 oxuma\u011fa g\u00f6nd\u0259rm\u0259k x\u0259yal\u0131n\u0131z ya ba\u015fqa g\u0259lir tapana q\u0259d\u0259r, ya da x\u0259yal\u0131n\u0131z\u0131 reall\u0131\u011f\u0131n\u0131za uy\u011funla\u015fd\u0131rana q\u0259d\u0259r x\u0259yal olaraq qalacaq.<\/p>\n

Bu suallara cavab verin:<\/strong>\u00a0N\u0259y\u0259 g\u00f6r\u0259 m\u0259hz bu t\u0259hsil?\u00a0 Onu haradan \u0259ld\u0259 ed\u0259 bil\u0259rsiniz? Ne\u00e7\u0259y\u0259 ba\u015fa g\u0259lir? Hans\u0131 \u0259laq\u0259li x\u0259rcl\u0259ri n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r? Bundan sonra bu m\u0259bl\u0259\u011f\u0259 \u00e7atmaq \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r qazanmaq, q\u0259na\u0259t etm\u0259k, investisiya qoymaq laz\u0131m oldu\u011funu hesablay\u0131n. Art\u0131q bu m\u0259rh\u0259l\u0259d\u0259, sizi bu m\u0259qs\u0259d\u0259 m\u00fcmk\u00fcn q\u0259d\u0259r yax\u0131nla\u015fd\u0131racaq investisiya portfelini toplama\u011fa k\u00f6m\u0259k ed\u0259c\u0259k etibarl\u0131 maliyy\u0259 m\u0259sl\u0259h\u0259t\u00e7isi il\u0259 \u0259laq\u0259 saxlamaq faydal\u0131 ola bil\u0259r.<\/p>\n

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\u0130rimiqyasl\u0131 h\u0259d\u0259f\u0259 hans\u0131 yana\u015fma\u00a0 olar bil\u0259r? Ki\u00e7ikd\u0259n ba\u015flay\u0131n – m\u0259s\u0259l\u0259n, x\u0259yal etdiyiniz t\u0259til\u0259 ild\u0259 bir d\u0259f\u0259 gedin. Ke\u00e7mi\u015fd\u0259 b\u0259nz\u0259r bir t\u0259tilin siz\u0259 ne\u00e7iy\u0259 \u00a0ba\u015fa g\u0259ldiyini hesablay\u0131n v\u0259 ilin sonuna kimi eyni s\u0259yah\u0259ti rahatl\u0131qla \u00f6d\u0259y\u0259 bilm\u0259k \u00fc\u00e7\u00fcn h\u0259r ay n\u0259 q\u0259d\u0259r q\u0259na\u0259t etm\u0259li oldu\u011funuzu anlay\u0131n. Art\u0131q tan\u0131\u015f v\u0259 \u0259l\u00e7atan bir \u015fey \u00fcz\u0259rind\u0259 m\u0259\u015fq etdikd\u0259n sonra x\u0259yallar\u0131n\u0131z\u0131 geni\u015fl\u0259ndirm\u0259k v\u0259 onlar\u0131 h\u0259d\u0259fl\u0259r\u0259 \u00e7evirm\u0259k daha asand\u0131r.<\/p>\n

\u00c7ox maraql\u0131d\u0131r, amma he\u00e7 n\u0259 ayd\u0131n deyil.<\/strong><\/p>\n

Ke\u00e7mi\u015fin m\u0259kt\u0259bl\u0259ri biz\u0259 X-i nec\u0259 tapma\u011f\u0131 bilm\u0259kl\u0259 yana\u015f\u0131, maliyy\u0259 savadl\u0131l\u0131\u011f\u0131n\u0131 da \u00f6yr\u0259ts\u0259ydil\u0259r \u00e7ox g\u00f6z\u0259l olard\u0131. Lakin bu t\u0259cr\u00fcb\u0259 qlobal miqyasda yenic\u0259 meydana \u00e7\u0131xma\u011fa ba\u015flay\u0131r. \u00c7oxlu sayda pulsuz v\u0259 faydal\u0131 maliyy\u0259 m\u0259lumatlar\u0131na \u00e7\u0131x\u0131\u015f\u0131m\u0131z var. Lakin n\u0259d\u0259ns\u0259 biz tez-tez maliyy\u0259 savadl\u0131l\u0131\u011f\u0131m\u0131z\u0131 yax\u015f\u0131la\u015fd\u0131ra bilmirik.<\/p>\n

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Bu qorxunun m\u0259ntiqi \u00fcmumiyy\u0259tl\u0259 ayd\u0131nd\u0131r:<\/strong>\u00a0\u0259g\u0259r siz bank hesab\u0131n\u0131za baxark\u0259n narahat\u00e7\u0131l\u0131q hiss edirsinizs\u0259, o zaman maliyy\u0259 v\u0259ziyy\u0259tinizin t\u0259f\u0259rr\u00fcatlar\u0131na n\u0259z\u0259r yetirin. \u00a0Bir \u00e7ox maliyy\u0259 m\u0259sl\u0259h\u0259t\u00e7il\u0259rinin t\u0259cr\u00fcb\u0259sind\u0259n g\u00f6r\u00fcnd\u00fcy\u00fc kimi, insan\u0131n maliyy\u0259 v\u0259ziyy\u0259tinin qiym\u0259tl\u0259ndirilm\u0259sinin n\u0259tic\u0259si h\u0259tta v\u0259ziyy\u0259t olduqca \u00e7\u0259tin olduqda bel\u0259 onu d\u0259rin depressiyaya salmaq \u0259v\u0259zin\u0259, \u0259ksin\u0259 ruhland\u0131r\u0131r v\u0259 \u00a0hesaba n\u0259zar\u0259t etm\u0259k hissini art\u0131r\u0131r.<\/p>\n

H\u0259yat\u0131n b\u0259zi dig\u0259r sah\u0259l\u0259rind\u0259 oldu\u011fu kimi, oyunun qaydalar\u0131n\u0131 bilm\u0259m\u0259k sizi m\u0259suliyy\u0259td\u0259n azad etmir. Buna g\u00f6r\u0259 d\u0259 pulun hans\u0131 qaydalarla x\u0259rcl\u0259ndiyini hans\u0131 resurslarla i\u015fl\u0259diyini, sizd\u0259n n\u0259 q\u0259d\u0259r pul al\u0131n\u0131r v\u0259 hans\u0131 \u00f6hd\u0259likl\u0259r var, bunlar\u0131 bils\u0259niz, pulla \u00fcmumi dil tapmaq daha asan olacaq.<\/p>\n

X\u0259rcl\u0259rinizi izl\u0259m\u0259k, h\u0259yat\u0131n\u0131z\u0131n nec\u0259 g\u00f6r\u00fcnm\u0259sini ist\u0259diyinizi v\u0259 bunun \u00fc\u00e7\u00fcn n\u0259 q\u0259d\u0259r pul t\u0259l\u0259b etdiyini ba\u015fa d\u00fc\u015fm\u0259k yaln\u0131z ba\u015flan\u011f\u0131cd\u0131r. N\u00f6vb\u0259ti add\u0131m aktivl\u0259rinizin (maliyy\u0259 d\u0259y\u0259ri olan) v\u0259 \u00f6hd\u0259likl\u0259rinizin (n\u0259y\u0259 pul x\u0259rcl\u0259diyiniz) ayd\u0131n qiym\u0259tl\u0259ndirilm\u0259sidir. Sizin \u00fc\u00e7\u00fcn m\u00f6vcud olan investisiya imkanlar\u0131n\u0131 ba\u015fa d\u00fc\u015fm\u0259kdir ki, h\u0259tta siz yatark\u0259n bel\u0259 pulunuz sizin \u00fc\u00e7\u00fcn i\u015fl\u0259m\u0259y\u0259 ba\u015flay\u0131r. \u018fn \u0259sas q\u0131z\u0131l qaydan\u0131 unutmay\u0131n: pulun qay\u011f\u0131s\u0131z idar\u0259 ed\u0259 bil\u0259c\u0259yiniz bir vasit\u0259 oldu\u011fu s\u0259viyy\u0259y\u0259 ke\u00e7m\u0259zd\u0259n \u0259vv\u0259l, onu nec\u0259 idar\u0259 olunaca\u011f\u0131n\u0131 \u00f6yr\u0259nm\u0259k m\u0259rh\u0259l\u0259sind\u0259n \u00a0ke\u00e7m\u0259k laz\u0131md\u0131r. \u0130nsan patoloji olaraq pul ist\u0259yir. Burada ba\u015fa d\u00fc\u015fm\u0259lisiniz ki, pul m\u0259qs\u0259d olmamal\u0131d\u0131r, ona nail olmaq \u00fc\u00e7\u00fcn bir vasit\u0259dir. Lakin bunun \u00fc\u00e7\u00fcn onun k\u00f6m\u0259yi il\u0259 tam olaraq n\u0259 \u0259ld\u0259 etm\u0259k ist\u0259diyinizi ayd\u0131n \u015f\u0259kild\u0259 bilm\u0259lisiniz.<\/p>\n

Bir \u00e7ox insanlar \u015f\u0259xsi h\u0259yatlar\u0131n\u0131 ya\u015fam\u0131rlar v\u0259 tan\u0131nmaq \u00fc\u00e7\u00fcn ehtiyaclar\u0131n\u0131 pulla \u00f6d\u0259m\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar: M\u0259n\u0259 h\u00f6rm\u0259t etm\u0259l\u0259rini ist\u0259yir\u0259m. Ona g\u00f6r\u0259 d\u0259 h\u0259r k\u0259s\u0259 (\u00f6z\u00fcm d\u0259 daxil olmaqla) u\u011furun atributlar\u0131n\u0131 n\u00fcmayi\u015f etdirm\u0259liy\u0259m. \u0130nsanlar \u00f6z g\u00fcv\u0259nsizlikl\u0259rini aradan qald\u0131rmaq \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n imic yaratma\u011fa ba\u015flay\u0131rlar. Bahal\u0131 avtomobill\u0259r, m\u0259nzill\u0259r, evl\u0259r, paltarlar al\u0131rlar, sanki bundan xo\u015fb\u0259xt olurlar. Maddi s\u0259viyy\u0259d\u0259 \u00f6zl\u0259rini dostlar\u0131, qon\u015fular\u0131, h\u0259mkarlar\u0131 il\u0259 m\u00fcqayis\u0259 edirl\u0259r.<\/p>\n

\u0130nsan\u0131n daxili d\u0259st\u0259yi olmad\u0131qda k\u0259nar d\u0259st\u0259k axtar\u0131r v\u0259 ona nail olma\u011fa \u00e7al\u0131\u015f\u0131r ki, ona bax\u0131b:\u00a0“Bu nec\u0259 d\u0259 g\u00f6z\u0259ldir, \u015fansl\u0131d\u0131r\u201d<\/strong>\u00a0desinl\u0259r.<\/p>\n

Siz\u0259 h\u0259qiq\u0259t\u0259n \u0259h\u0259miyy\u0259t verm\u0259y\u0259n insanlar\u0131 heyran etm\u0259k \u00fc\u00e7\u00fcn vaxt\u0131n\u0131z\u0131, pulunuzu v\u0259 s\u0259yinizi laz\u0131ms\u0131z \u015feyl\u0259r\u0259 s\u0259rf etm\u0259y\u0259c\u0259ksiniz. Bildiyiniz kimi, tarixd\u0259 ancaq psixoloji yaras\u0131 olan insanlar iz qoyur. \u018flinizd\u0259 olanlarla harmoniya hiss edirsinizs\u0259, h\u0259tta\u00a0 pis ya\u015fasan\u0131z da, \u00a0eyni zamanda, \u00f6z\u00fcn\u00fcz\u00fc yax\u015f\u0131 hiss edirsinizs\u0259, bu, sa\u011flam psixikadan x\u0259b\u0259r verir. \u00d6z\u00fcn\u00fczl\u0259 v\u0259 pulunuzla harmoniyada olmaq \u00fc\u00e7\u00fcn sonda n\u0259 \u0259ld\u0259 etm\u0259k ist\u0259diyinizi anlamal\u0131 v\u0259 \u00f6z\u00fcn\u00fcz\u00fc qon\u015funuzla deyil, yaln\u0131z d\u00fcn\u0259ninizl\u0259 m\u00fcqayis\u0259 etm\u0259lisiniz.<\/p>\n

\"\"<\/p>\n

Biz\u0259 sa\u011flam d\u0259y\u0259rl\u0259r iyerarxiyas\u0131 laz\u0131md\u0131r. Sizin \u00fc\u00e7\u00fcn daha vacib olan n\u0259dir: yax\u015f\u0131 ail\u0259, \u00e7oxlu pul, karyera v\u0259 ya yarad\u0131c\u0131l\u0131q u\u011furu? \u018fg\u0259r bel\u0259 bir iyerarxiya qurulmay\u0131bsa, birinin arxas\u0131nca dig\u0259rini qurban ver\u0259 bil\u0259rsiniz. Pulun \u00f6z\u00fcn\u00fcn bizi xo\u015fb\u0259xt etm\u0259m\u0259si lotereyada cek-potu udan , lakin he\u00e7 n\u0259 il\u0259 n\u0259tic\u0259l\u0259nm\u0259y\u0259n insanlarla ba\u011fl\u0131 b\u00fct\u00fcn hekay\u0259l\u0259r bunu s\u00fcbuta yetirir. Eynil\u0259 d\u00fcnyada \u00e7ox z\u0259ngin v\u0259 d\u0259h\u015f\u0259tli d\u0259r\u0259c\u0259d\u0259 b\u0259db\u0259xt insanlar var ki, onlar\u0131n \u00e7oxu da patoloji olaraq acg\u00f6zd\u00fcr. Onlar \u00fc\u00e7\u00fcn pul \u0259sas nailiyy\u0259t\u0259 \u00e7evrilib v\u0259 onu itirm\u0259kd\u0259n qorxurlar.M\u0259s\u0259l\u0259n, qad\u0131nlar s\u0259xav\u0259tli ki\u015fil\u0259ri niy\u0259 sevirl\u0259r? S\u0259xav\u0259t rahatl\u0131q n\u00fcmayi\u015f etdirir, insan\u0131n pula ba\u011fl\u0131 olmad\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir. \u00c7\u00fcnki o, bunun yaln\u0131z m\u00fc\u0259yy\u0259n sevincl\u0259ri \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn bir vasit\u0259 oldu\u011funu ba\u015fa d\u00fc\u015f\u00fcr. Lakin \u00f6zl\u00fcy\u00fcnd\u0259 bir d\u0259y\u0259r deyil. Eyni zamanda, t\u0259bii ki, biz onlar\u0131 el\u0259 idar\u0259 etm\u0259liyik ki, bu, bizi maliyy\u0259 \u00e7\u00f6k\u00fc\u015f\u00fcn\u0259 aparmas\u0131n.<\/p>\n

Sonda siz\u0259 ver\u0259c\u0259yimiz son m\u0259sl\u0259h\u0259t:\u00a0Bacar\u0131qlar\u0131n\u0131zdan d\u00fczg\u00fcn istifad\u0259 edin. \u00d6z maddi v\u0259saitl\u0259rinizin q\u0259drini bilin v\u0259 onlar\u0131 a\u011f\u0131ll\u0131 v\u0259 nizaml\u0131 \u015f\u0259kild\u0259 x\u0259rcl\u0259yin.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Hesab\u0131n\u0131z\u0131n balans\u0131na baxark\u0259n, pullar\u0131n niy\u0259 i\u015f\u0131q s\u00fcr\u0259ti il\u0259 x\u0259rcl\u0259ndiyini d\u00fc\u015f\u00fcn\u00fcrs\u00fcn\u00fczs\u0259, dem\u0259li t\u0259cili olaraq b\u00fcdc\u0259nizin idar\u0259 edilm\u0259sin\u0259\u00a0 diqq\u0259t yetirm\u0259yin\u00a0 zaman\u0131 \u00e7at\u0131b. “Ehtiyac” v\u0259 “ist\u0259k” aras\u0131ndak\u0131 tarazl\u0131q \u018fn vacib h\u0259yat \u0259n \u0259sas t\u0259l\u0259bat\u0131n\u0131z \u00fc\u00e7\u00fcn ay \u0259rzind\u0259\u00a0 x\u0259rcl\u0259diyiniz m\u0259bl\u0259\u011fi d\u0259qiq dey\u0259 bil\u0259rsinizmi? \u00c7oxumuz kommunal xidm\u0259tl\u0259r\u0259 v\u0259 ipotekalara t\u0259xmin\u0259n n\u0259 q\u0259d\u0259r pul x\u0259rcl\u0259ndiyini bilirik. Lakin \u00e7ox az adam sabit x\u0259rcl\u0259rin d\u0259qiq siyah\u0131s\u0131n\u0131 saxlay\u0131r. Rifah\u0131n\u0131z\u0131n ikinci komponenti \u201cd\u0259yi\u015f\u0259n x\u0259rcl\u0259r\u201ddir v\u0259 onlar daha maraql\u0131d\u0131r. Kinoya getm\u0259k, yeni qadjet, d\u0259bli restoranda \u015fam yem\u0259yi, yax\u0131nlar\u0131n\u0131z \u00fc\u00e7\u00fcn h\u0259diyy\u0259l\u0259r, t\u0259til s\u0259f\u0259rl\u0259ri v\u0259 s. komponentl\u0259r h\u0259yat\u0131 daha rahat v\u0259\u00a0 \u0259yl\u0259nc\u0259li edir.…<\/p>\n","protected":false},"author":2,"featured_media":697563,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/db53e24f170954041436055484211019269.jpg",975,540,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Hesab\u0131n\u0131z\u0131n balans\u0131na baxark\u0259n, pullar\u0131n niy\u0259 i\u015f\u0131q s\u00fcr\u0259ti il\u0259 x\u0259rcl\u0259ndiyini d\u00fc\u015f\u00fcn\u00fcrs\u00fcn\u00fczs\u0259, dem\u0259li t\u0259cili olaraq b\u00fcdc\u0259nizin idar\u0259 edilm\u0259sin\u0259\u00a0 diqq\u0259t yetirm\u0259yin\u00a0 zaman\u0131 \u00e7at\u0131b. “Ehtiyac” v\u0259 “ist\u0259k” aras\u0131ndak\u0131 tarazl\u0131q \u018fn vacib h\u0259yat \u0259n \u0259sas t\u0259l\u0259bat\u0131n\u0131z \u00fc\u00e7\u00fcn ay \u0259rzind\u0259\u00a0 x\u0259rcl\u0259diyiniz m\u0259bl\u0259\u011fi d\u0259qiq dey\u0259 bil\u0259rsinizmi? \u00c7oxumuz kommunal xidm\u0259tl\u0259r\u0259 v\u0259 ipotekalara t\u0259xmin\u0259n n\u0259 q\u0259d\u0259r pul x\u0259rcl\u0259ndiyini bilirik. Lakin \u00e7ox az adam sabit…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/697562"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=697562"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/697562\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/697563"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=697562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=697562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=697562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}