Aile b\u00fct\u00e7esi haz\u0131rlamak, harcamalar\u0131 kontrol alt\u0131na alman\u0131n ilk ad\u0131m\u0131. Ancak bir\u00e7ok hane, b\u00fct\u00e7eyi ba\u015flang\u0131\u00e7ta \u00f6zenle haz\u0131rlasa da zamanla s\u00fcrd\u00fcremiyor. Finans e\u011fitmenleri, bu durumun arkas\u0131nda s\u0131k yap\u0131lan birka\u00e7 hata oldu\u011funu s\u00f6yl\u00fcyor.<\/p>\n
\u0130lk hata, d\u00fczensiz giderleri hesaba katmamak. Y\u0131ll\u0131k sigorta, vergi, bak\u0131m ve tatil gibi ayl\u0131k olmayan harcamalar b\u00fct\u00e7enin d\u0131\u015f\u0131nda kal\u0131nca ay sonunda s\u00fcrpriz yarat\u0131yor. Bunlar\u0131 on iki aya b\u00f6lerek her ay kenara ay\u0131rmak \u00e7\u00f6z\u00fcm olarak \u00f6neriliyor.<\/p>\n
\u0130kinci hata, k\u00fc\u00e7\u00fck harcamalar\u0131 k\u00fc\u00e7\u00fcmsemek. G\u00fcnl\u00fck kahve, abonelikler ya da yemek sipari\u015fleri tek tek k\u00fc\u00e7\u00fck g\u00f6r\u00fcnse de ay sonunda \u00f6nemli bir toplama ula\u015fabiliyor. Bir ay boyunca t\u00fcm harcamalar\u0131 kaydetmek, nereye gitti\u011fini g\u00f6rmeyi kolayla\u015ft\u0131r\u0131yor.<\/p>\n
\u00dc\u00e7\u00fcnc\u00fc hata, acil durum birikimini ihmal etmek. Beklenmedik sa\u011fl\u0131k ya da onar\u0131m giderleri i\u00e7in en az birka\u00e7 ayl\u0131k gideri kar\u015f\u0131layacak bir fon olu\u015fturmak, bor\u00e7lanma ihtiyac\u0131n\u0131 azalt\u0131yor.<\/p>\n
D\u00f6rd\u00fcnc\u00fc hata, ger\u00e7ek\u00e7i olmayan hedefler koymak. Harcamalar\u0131 bir anda yar\u0131ya indirmeyi planlamak \u00e7o\u011fu zaman s\u00fcrd\u00fcr\u00fclemiyor. K\u00fc\u00e7\u00fck ve kademeli hedefler daha kal\u0131c\u0131 sonu\u00e7 veriyor.<\/p>\n
Be\u015finci hata ise b\u00fct\u00e7eyi bir kez haz\u0131rlay\u0131p b\u0131rakmak. Gelir ve giderler de\u011fi\u015ftik\u00e7e plan\u0131n g\u00fcncellenmesi gerekiyor. Ayda bir yap\u0131lacak k\u0131sa bir g\u00f6zden ge\u00e7irme, b\u00fct\u00e7eyi canl\u0131 tutuyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Gelir ve giderleri takip etmek g\u00f6r\u00fcnd\u00fc\u011f\u00fc kadar zor de\u011fil. B\u00fct\u00e7e plan\u0131nda s\u0131k yap\u0131lan hatalar\u0131 ve \u00e7\u00f6z\u00fcm \u00f6nerilerini derledik.<\/p>\n","protected":false},"author":0,"featured_media":14,"comment_status":"closed","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[3],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-son-dakika"],"_links":{"self":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/media\/14"}],"wp:attachment":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/haber\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}