Yeni ilin ba\u015flamas\u0131 il\u0259 bir \u00e7oxlar\u0131 il \u00fc\u00e7\u00fcn maliyy\u0259 h\u0259d\u0259fl\u0259rini yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irirl\u0259r. Valideynl\u0259riniz\u0259 k\u00f6m\u0259k \u00fc\u00e7\u00fcn q\u0259na\u0259t edirsinizs\u0259, t\u0259l\u0259b\u0259 krediti borcunu h\u0259ll edirsinizs\u0259 v\u0259 ya h\u0259yat\u0131n\u0131zda b\u00f6y\u00fck bir m\u0259rh\u0259l\u0259 planla\u015fd\u0131r\u0131rs\u0131n\u0131zsa, maliyy\u0259 q\u0259rarlar\u0131n\u0131 t\u0259yin etm\u0259k diqq\u0259tinizi c\u0259ml\u0259m\u0259k v\u0259 motivasiya etm\u0259k \u00fc\u00e7\u00fcn g\u00fccl\u00fc bir yol ola bil\u0259r.<\/p>\n
“Yeni ilin g\u0259li\u015fi \u0259vv\u0259lki ild\u0259n qalan b\u00fct\u00fcn maliyy\u0259 \u00e7\u0259tinlikl\u0259rini silmir”, -dey\u0259 \u201cCredit Karma\u201dn\u0131n istehlak\u00e7\u0131 m\u00fcdafi\u0259\u00e7isi Kortni Alev bildirib. \u201cAncaq bu, maliyy\u0259nizi idar\u0259 etm\u0259kd\u0259 yeni ba\u015flan\u011f\u0131c zehniyy\u0259tini q\u0259bul etm\u0259k imkan\u0131 verir”, -m\u00fct\u0259x\u0259ssis bildirib.<\/p>\n
M\u00fct\u0259x\u0259ssisl\u0259r ili 2024-c\u00fc ild\u0259 maliyy\u0259 v\u0259ziyy\u0259tinizi n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259kl\u0259 ba\u015flama\u011f\u0131 m\u0259sl\u0259h\u0259t g\u00f6r\u00fcrl\u0259r. Ayd\u0131n bir \u015f\u0259kil \u0259ld\u0259 etdikd\u0259n sonra h\u0259yat t\u0259rziniz\u0259 uy\u011fun g\u0259l\u0259n konkret, \u0259ld\u0259 edil\u0259 bil\u0259n m\u0259qs\u0259dl\u0259r qoyun. A\u015fa\u011f\u0131da siz\u0259 r\u0259hb\u0259rlik etm\u0259k \u00fc\u00e7\u00fcn b\u0259zi ekspert m\u0259sl\u0259h\u0259tl\u0259ri payla\u015f\u0131l\u0131b:<\/p>\n
Maliyy\u0259 v\u0259rdi\u015fl\u0259ri<\/strong><\/p>\n Pulunuzu nec\u0259 idar\u0259 etdiyinizi – n\u0259yin i\u015fl\u0259diyini, n\u0259yin olmad\u0131\u011f\u0131n\u0131 v\u0259 n\u0259yin yax\u015f\u0131la\u015fa bil\u0259c\u0259yini qiym\u0259tl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn vaxt ay\u0131r\u0131n.<\/p>\n “2025-ci il pulla m\u00fcnasib\u0259tinizi d\u0259yi\u015fdirdiyiniz il olsun”, -dey\u0259 \u015f\u0259xsi maliyy\u0259 m\u00fc\u0259llimi A\u015fli Lapato vur\u011fulay\u0131b.<\/p>\n \u018fg\u0259r pulu idar\u0259 etm\u0259k y\u00fck kimi g\u00f6r\u00fcn\u00fcrs\u0259 Lapato d\u00fc\u015f\u00fcnc\u0259 t\u0259rzinizi d\u0259yi\u015fm\u0259y\u0259 t\u0259\u015fviq edir. Maliyy\u0259 m\u0259qs\u0259dl\u0259rini \u00f6hd\u0259lik kimi g\u00f6rm\u0259k \u0259v\u0259zin\u0259, g\u0259l\u0259c\u0259k h\u0259yat t\u0259rzinizi t\u0259s\u0259vv\u00fcr etm\u0259k \u00fc\u00e7\u00fcn onlar\u0131 imkanlar hesab edin. \u00d6z\u00fcn\u00fcz\u0259 “daha sonrak\u0131 ya\u015flar\u0131m nec\u0259 g\u00f6r\u00fcn\u00fcr?” kimi suallar verin v\u0259 bu vizyonu h\u0259yata ke\u00e7irm\u0259k \u00fc\u00e7\u00fcn maliyy\u0259 strategiyan\u0131zdan istifad\u0259 edin.<\/p>\n S\u0259hvl\u0259ri ba\u011f\u0131\u015flay\u0131n<\/strong><\/p>\n SoFi \u0130nvestisiya Strategiyas\u0131n\u0131n r\u0259hb\u0259ri Liz Yanq Tomas ke\u00e7mi\u015f s\u0259hvl\u0259r \u00fc\u00e7\u00fcn ba\u011f\u0131\u015flanman\u0131n motivasiyas\u0131n\u0131 qoruma\u011f\u0131n vacib oldu\u011funu bildirir.<\/p>\n M\u0259qs\u0259dl\u0259r t\u0259yin ed\u0259rk\u0259n, h\u0259r bir q\u0259rar\u0131n arxas\u0131ndak\u0131 “niy\u0259”ni m\u00fc\u0259yy\u0259nl\u0259\u015fdirin. Maliyy\u0259 izl\u0259m\u0259 proqram\u0131 olan \u201cOrigin\u201din ba\u015f direktoru Matt Uatson hesab edir ki, maliyy\u0259 m\u0259qs\u0259diniz daha real h\u0259yat arzusu il\u0259 \u00fcst-\u00fcst\u0259 d\u00fc\u015f\u00fcrs\u0259, sadiq qalma ehtimal\u0131n\u0131z daha y\u00fcks\u0259kdir. M\u0259s\u0259l\u0259n, bir ev v\u0259 ya yay t\u0259tili \u00fc\u00e7\u00fcn q\u0259na\u0259t etm\u0259k ayd\u0131n m\u0259qs\u0259dl\u0259r\u0259 ba\u011fland\u0131qda daha h\u0259v\u0259sl\u0259ndirici olur. B\u00fcdc\u0259 proqramlar\u0131, c\u0259dv\u0259ll\u0259r v\u0259 ya maliyy\u0259 izl\u0259m\u0259 saytlar\u0131 kimi al\u0259tl\u0259rd\u0259n istifad\u0259 k\u00f6m\u0259k ed\u0259 bil\u0259r.<\/p>\n B\u00fcdc\u0259 yarad\u0131n<\/strong><\/p>\n \u201cBankrate\u201dnin ba\u015f maliyy\u0259 analitiki Qreg MakBrayd b\u00fcdc\u0259 t\u0259rtibinin vacibliyini vur\u011fulay\u0131b.<\/p>\n “\u0130ll\u0259r boyu inflyasiyadan sonra maa\u015f art\u0131mlar\u0131 h\u0259l\u0259 d\u0259 artan x\u0259rcl\u0259rd\u0259n geri qala bil\u0259r v\u0259 \u0259ks halda pulunuzun hara getdiyini bilm\u0259y\u0259c\u0259ksiniz\u201d, – o bildirib.<\/p>\n O, 2025-ci il \u00fc\u00e7\u00fcn ayl\u0131q b\u00fcdc\u0259 yaratma\u011f\u0131 v\u0259 x\u0259rcl\u0259rinizi izl\u0259m\u0259yi m\u0259sl\u0259h\u0259t g\u00f6r\u00fcr. M\u00fc\u0259yy\u0259n x\u0259rcl\u0259r artd\u0131qca d\u00fcz\u0259li\u015fl\u0259r laz\u0131m ola bil\u0259r. B\u00fcdc\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulandan az x\u0259rcl\u0259m\u0259d\u0259n \u0259ld\u0259 edil\u0259n h\u0259r hans\u0131 q\u0259na\u0259t y\u00fcks\u0259k g\u0259lirli \u0259man\u0259t hesab\u0131na k\u00f6\u00e7\u00fcr\u00fclm\u0259lidir.<\/p>\n Borc strategiyas\u0131<\/strong><\/p>\n Y\u00fcks\u0259k faizli borc \u00e7oxlar\u0131 \u00fc\u00e7\u00fcn problem olaraq qal\u0131r. McBride, ke\u00e7\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 borc s\u0259viyy\u0259l\u0259rinizin hesablanmas\u0131ndan ba\u015flayaraq kredit kart\u0131 qal\u0131qlar\u0131n\u0131 \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn plan yaratma\u011f\u0131 t\u00f6vsiy\u0259 edir. 0% balans k\u00f6\u00e7\u00fcrm\u0259 t\u0259klifl\u0259ri v\u0259 ya a\u015fa\u011f\u0131 faizli \u015f\u0259xsi kreditl\u0259r kimi al\u0259tl\u0259r t\u0259sirli ola bil\u0259r.<\/p>\n Real h\u0259d\u0259fl\u0259r<\/strong><\/p>\n Ki\u00e7ikd\u0259n ba\u015flama\u011f\u0131 t\u0259klif ed\u0259n m\u00fct\u0259x\u0259ssisl\u0259r maliyy\u0259 idar\u0259sini bir marafona b\u0259nz\u0259dirl\u0259r. M\u0259s\u0259l\u0259n, h\u0259r maa\u015fdan 20 dollara q\u0259na\u0259t etm\u0259k, h\u0259ddind\u0259n art\u0131q iddial\u0131 h\u0259d\u0259f qoymaqdan daha davaml\u0131 ola bil\u0259r. G\u00f6zl\u0259nilm\u0259z x\u0259rcl\u0259r yaranarsa, Alev \u00f6z\u00fcn\u00fcz\u00fc g\u00fcnahland\u0131rmadan plan\u0131n\u0131z\u0131 yenid\u0259n qiym\u0259tl\u0259ndirm\u0259yi t\u00f6vsiy\u0259 edir.<\/p>\n F\u0131r\u0131ldaq\u00e7\u0131lardan qorunun!<\/strong><\/p>\n Maliyy\u0259nizi f\u0131r\u0131ldaq\u00e7\u0131lardan qorumaq onlar\u0131 idar\u0259 etm\u0259k q\u0259d\u0259r vacibdir. Mastercard-\u0131n t\u0259hl\u00fck\u0259sizlik h\u0259ll\u0259ri \u00fczr\u0259 icra\u00e7\u0131 vitse-prezidenti Yohan Gerber maliyy\u0259 q\u0259rarlar\u0131 il\u0259 qar\u015f\u0131la\u015fd\u0131qda sakit v\u0259 t\u0259mkinli olma\u011f\u0131 m\u0259sl\u0259h\u0259t g\u00f6r\u00fcr. F\u0131r\u0131ldaq\u00e7\u0131lar tez-tez qurbanlar\u0131 aldatmaq \u00fc\u00e7\u00fcn t\u0259cili istifad\u0259 edirl\u0259r. Ail\u0259 il\u0259 hesabatl\u0131l\u0131q sisteminin yarad\u0131lmas\u0131 saxtakarl\u0131qdan qorunma\u011fa k\u00f6m\u0259k ed\u0259 bil\u0259r.<\/p>\n Psixi sa\u011flaml\u0131\u011f\u0131n\u0131za diqq\u0259t yetirin!<\/strong><\/p>\n Maliyy\u0259 psixi sa\u011flaml\u0131qla d\u0259rind\u0259n ba\u011fl\u0131d\u0131r.<\/p>\n \u201cThe Money Mindset Hub\u201d\u0131n t\u0259sis\u00e7isi Alehandra Rojas maliyy\u0259 il\u0259 sa\u011flaml\u0131\u011f\u0131n s\u0131x ba\u011fl\u0131l\u0131\u011f\u0131ndan dan\u0131\u015f\u0131b. “Maliyy\u0259 sa\u011flaml\u0131\u011f\u0131n\u0131z \u0259n yax\u015f\u0131 h\u0259ll yolu olmal\u0131d\u0131r”, -dey\u0259 o bildirib. Bu, maliyy\u0259 travmas\u0131n\u0131 h\u0259ll etm\u0259k v\u0259 ya yax\u0131nlar\u0131n\u0131zla pulu daha a\u00e7\u0131q m\u00fczakir\u0259 etm\u0259kd\u0259n ibar\u0259t ola bil\u0259r. Pulla m\u00fcnasib\u0259tiniz m\u0259s\u0259l\u0259sind\u0259 bir v\u0259 ya iki m\u0259qs\u0259d qoymaq \u0259h\u0259miyy\u0259tli t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r.<\/p>\n Diqq\u0259ti real, h\u0259yata ke\u00e7iril\u0259 bil\u0259n m\u0259qs\u0259dl\u0259r\u0259 y\u00f6n\u0259ltm\u0259kl\u0259 v\u0259 m\u00fcsb\u0259t d\u00fcnyag\u00f6r\u00fc\u015f\u00fcn\u00fc saxlamaqla 2025-ci ili maddi c\u0259h\u0259td\u0259n sa\u011flam v\u0259 do\u011fru add\u0131mlarla ir\u0259lil\u0259y\u0259 bil\u0259rsiniz.<\/p>\n Nubar S\u00fcleymanova,<\/strong>\u00a0\u201c\u0130ki sahil\u201d<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Yeni ilin ba\u015flamas\u0131 il\u0259 bir \u00e7oxlar\u0131 il \u00fc\u00e7\u00fcn maliyy\u0259 h\u0259d\u0259fl\u0259rini yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irirl\u0259r. Valideynl\u0259riniz\u0259 k\u00f6m\u0259k \u00fc\u00e7\u00fcn q\u0259na\u0259t edirsinizs\u0259, t\u0259l\u0259b\u0259 krediti borcunu h\u0259ll edirsinizs\u0259 v\u0259 ya h\u0259yat\u0131n\u0131zda b\u00f6y\u00fck bir m\u0259rh\u0259l\u0259 planla\u015fd\u0131r\u0131rs\u0131n\u0131zsa, maliyy\u0259 q\u0259rarlar\u0131n\u0131 t\u0259yin etm\u0259k diqq\u0259tinizi c\u0259ml\u0259m\u0259k v\u0259 motivasiya etm\u0259k \u00fc\u00e7\u00fcn g\u00fccl\u00fc bir yol ola bil\u0259r. “Yeni ilin g\u0259li\u015fi \u0259vv\u0259lki ild\u0259n qalan b\u00fct\u00fcn maliyy\u0259 \u00e7\u0259tinlikl\u0259rini silmir”, -dey\u0259 \u201cCredit Karma\u201dn\u0131n istehlak\u00e7\u0131 m\u00fcdafi\u0259\u00e7isi Kortni Alev bildirib. \u201cAncaq bu, maliyy\u0259nizi idar\u0259 etm\u0259kd\u0259 yeni ba\u015flan\u011f\u0131c zehniyy\u0259tini q\u0259bul etm\u0259k imkan\u0131 verir”, -m\u00fct\u0259x\u0259ssis bildirib. M\u00fct\u0259x\u0259ssisl\u0259r ili 2024-c\u00fc ild\u0259 maliyy\u0259 v\u0259ziyy\u0259tinizi n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259kl\u0259 ba\u015flama\u011f\u0131 m\u0259sl\u0259h\u0259t g\u00f6r\u00fcrl\u0259r. Ayd\u0131n bir…<\/p>\n","protected":false},"author":2,"featured_media":781769,"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":[24],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595-660x365.jpg",660,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595-840x465.jpg",640,354,true],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/01\/717e15eb173702498890203517910912595.jpg",975,540,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"Maraql\u0131<\/a>","rttpg_excerpt":"Yeni ilin ba\u015flamas\u0131 il\u0259 bir \u00e7oxlar\u0131 il \u00fc\u00e7\u00fcn maliyy\u0259 h\u0259d\u0259fl\u0259rini yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irirl\u0259r. Valideynl\u0259riniz\u0259 k\u00f6m\u0259k \u00fc\u00e7\u00fcn q\u0259na\u0259t edirsinizs\u0259, t\u0259l\u0259b\u0259 krediti borcunu h\u0259ll edirsinizs\u0259 v\u0259 ya h\u0259yat\u0131n\u0131zda b\u00f6y\u00fck bir m\u0259rh\u0259l\u0259 planla\u015fd\u0131r\u0131rs\u0131n\u0131zsa, maliyy\u0259 q\u0259rarlar\u0131n\u0131 t\u0259yin etm\u0259k diqq\u0259tinizi c\u0259ml\u0259m\u0259k v\u0259 motivasiya etm\u0259k \u00fc\u00e7\u00fcn g\u00fccl\u00fc bir yol ola bil\u0259r. “Yeni ilin g\u0259li\u015fi \u0259vv\u0259lki ild\u0259n qalan b\u00fct\u00fcn maliyy\u0259 \u00e7\u0259tinlikl\u0259rini silmir”,…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/781768"}],"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=781768"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/781768\/revisions"}],"predecessor-version":[{"id":781771,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/781768\/revisions\/781771"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/781769"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=781768"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=781768"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=781768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}