{"id":2388,"date":"2018-08-05T21:05:28","date_gmt":"2018-08-05T21:05:28","guid":{"rendered":""},"modified":"2022-05-25T20:02:42","modified_gmt":"2022-05-25T20:02:42","slug":"kisisel-borclarla-mucade-icin-oneriler","status":"publish","type":"post","link":"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/","title":{"rendered":"Ki\u015fisel Bor\u00e7lar\u0131n\u0131zla M\u00fccadele Etmeniz \u0130\u00e7in 10 \u00d6neri"},"content":{"rendered":"<p><strong>Ki\u015fisel bor\u00e7lar\u0131m\u0131z<\/strong> giderek art\u0131yor. <strong><a href=\"https:\/\/www.bbc.com\/turkce\/haberler-turkiye-42574983\" target=\"_blank\" rel=\"noopener noreferrer\">T\u00fcrkiye&#8217;nin ekonomik durumu<\/a><\/strong> malum. <strong>Dolar<\/strong>, <strong>euro<\/strong>,<strong> alt\u0131n<\/strong> fiyatlar\u0131 ald\u0131 ba\u015f\u0131n\u0131 gitti. A\u00e7\u0131klanan <strong>enflasyon oran\u0131 y\u00fczde 13<\/strong> seviyelerinde. Ancak t\u00fcm kalemlere vurursak son bir y\u0131lda hayat\u0131n <strong>y\u00fczde 30-40 dolaylar\u0131nda pahal\u0131la\u015ft\u0131\u011f\u0131n\u0131<\/strong> s\u00f6yleyebiliriz. \u00d6rne\u011fin, mutfak harcamalar\u0131ndaki <strong>enflasyon oran\u0131<\/strong> en <strong>az y\u00fczde 30<\/strong> seviyelerinde. Yurt d\u0131\u015f\u0131ndan getirilen arabalar, elektronik \u00fcr\u00fcnleri de d\u00f6vizdeki y\u00fckseli\u015f y\u00fcz\u00fcnden yakla\u015f\u0131k <strong>y\u00fczde 30-40 oran\u0131nda<\/strong> zam g\u00f6rd\u00fc. <strong>Benzin<\/strong>, <strong>do\u011fal gaz<\/strong>, <strong>elektrik zamlar\u0131<\/strong> da zaten artan <strong>d\u00f6viz kurlar\u0131<\/strong> y\u00fcz\u00fcnden bask\u0131 yiyen piyasalarda, her \u00fcr\u00fcne yeniden <strong>zam<\/strong> gelmesine neden olacak. T\u00fcm bunlar zaten <strong>kredi kart\u0131<\/strong>, <strong>ek hesap<\/strong> ve <strong>bor\u00e7larla<\/strong> ge\u00e7inen milyonlar\u0131n \u00fczerindeki <strong>bor\u00e7 y\u00fck\u00fcn\u00fcn<\/strong> iyice artmas\u0131 demek. Maalesef \u00fclkemiz b\u00fcy\u00fck \u00e7o\u011funlu\u011fu, aya\u011f\u0131n\u0131 yorgan\u0131na g\u00f6re uzatmad\u0131\u011f\u0131ndan dolay\u0131 s\u00fcrekli <strong>bor\u00e7lanarak<\/strong> ya\u015fad\u0131. <strong>Kredi<\/strong> \u00e7ekti, ev ald\u0131, araba ald\u0131, <strong>kredi kartlar\u0131yla<\/strong> asl\u0131nda kendi ceplerinde olmayan paralar\u0131 harcad\u0131. \u015eimdi de \u00e7o\u011fumuz bunlar\u0131 geri \u00f6demekte zorlan\u0131yoruz. \u00c7\u00fcnk\u00fc ald\u0131\u011f\u0131m\u0131z maa\u015f enflasyon ve zamlar kar\u015f\u0131l\u0131\u011f\u0131nda g\u00fcnden g\u00fcne eriyor. Peki ne yapabiliriz? Nas\u0131l bu <strong>bor\u00e7larla m\u00fccadele<\/strong> edebiliriz. \u0130\u015fte daha fazla batmamak i\u00e7in yapabilece\u011finiz 10 \u015fey.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >\u0130&ccedil;indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#1_Kisisel_borclar_daha_fazla_borcla_kapanmaz\" title=\"1. Ki\u015fisel bor\u00e7lar daha fazla bor\u00e7la kapanmaz\">1. Ki\u015fisel bor\u00e7lar daha fazla bor\u00e7la kapanmaz<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#2_Harcamalarinizi_kisin\" title=\"2. Harcamalar\u0131n\u0131z\u0131 k\u0131s\u0131n\">2. Harcamalar\u0131n\u0131z\u0131 k\u0131s\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#3_Ek_gelir_kapilari_bulmaya_calisin\" title=\"3. Ek gelir kap\u0131lar\u0131 bulmaya \u00e7al\u0131\u015f\u0131n\">3. Ek gelir kap\u0131lar\u0131 bulmaya \u00e7al\u0131\u015f\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#4_Paraniz_varsa_faizde_degerlendirin\" title=\"4. Paran\u0131z varsa faizde de\u011ferlendirin\">4. Paran\u0131z varsa faizde de\u011ferlendirin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#5_Ev_aldiysaniz_ve_yeteri_kadar_gelir_getirmiyorsa_satin\" title=\"5. Ev ald\u0131ysan\u0131z ve yeteri kadar gelir getirmiyorsa sat\u0131n\">5. Ev ald\u0131ysan\u0131z ve yeteri kadar gelir getirmiyorsa sat\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#6_Borc_icindeyken_araba_lukstur\" title=\"6. Bor\u00e7 i\u00e7indeyken araba l\u00fckst\u00fcr\">6. Bor\u00e7 i\u00e7indeyken araba l\u00fckst\u00fcr<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#7_Daha_fazla_borc_yukune_girmemek_icin_taksit_tuzaklarina_dikkat_edin\" title=\"7. Daha fazla bor\u00e7 y\u00fck\u00fcne girmemek i\u00e7in taksit tuzaklar\u0131na dikkat edin\">7. Daha fazla bor\u00e7 y\u00fck\u00fcne girmemek i\u00e7in taksit tuzaklar\u0131na dikkat edin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#8_Telefonda_bir_sey_asla_almayin\" title=\"8. Telefonda bir \u015fey asla almay\u0131n\">8. Telefonda bir \u015fey asla almay\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#9_Kullanmadiginiz_kredi_kartlarini_kapatin\" title=\"9. Kullanmad\u0131\u011f\u0131n\u0131z kredi kartlar\u0131n\u0131 kapat\u0131n\">9. Kullanmad\u0131\u011f\u0131n\u0131z kredi kartlar\u0131n\u0131 kapat\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/#10_Enseyi_karartmayin_borc_gelip_gecer\" title=\"10. Enseyi karartmay\u0131n, bor\u00e7 gelip ge\u00e7er\">10. Enseyi karartmay\u0131n, bor\u00e7 gelip ge\u00e7er<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Kisisel_borclar_daha_fazla_borcla_kapanmaz\"><\/span>1. Ki\u015fisel bor\u00e7lar daha fazla bor\u00e7la kapanmaz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/01-kisisel-borcla-nasil-mucadele-edilir-borc-borcla-kapanmaz.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2389\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/01-kisisel-borcla-nasil-mucadele-edilir-borc-borcla-kapanmaz.jpg\" alt=\"Ki\u015fisel bor\u00e7lar nas\u0131l m\u00fccadele edilir? Bor\u00e7 bor\u00e7la kapanmaz.\" width=\"750\" height=\"426\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/01-kisisel-borcla-nasil-mucadele-edilir-borc-borcla-kapanmaz.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/01-kisisel-borcla-nasil-mucadele-edilir-borc-borcla-kapanmaz-300x170.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Borcunuzu bor\u00e7 olarak kapatmak size birka\u00e7 ay i\u00e7in nefes ald\u0131rabilir. Ancak, \u015fu anki faiz oranlar\u0131yla bankadan <strong>kredi \u00e7ekip, kredi kart\u0131, kredi, ek hesap<\/strong> ve bunun gibi bor\u00e7lar\u0131n\u0131z\u0131 kapatmak size asla bir \u00e7\u00f6z\u00fcm sunmaz. Aksine gelece\u011finizde 2-3 sene daha yemi\u015f olursunuz. Bu y\u00fczden asla <strong>kredi \u00e7ekip faiz y\u00fck\u00fcne girerek<\/strong> bor\u00e7 kapatmaya \u00e7al\u0131\u015fmay\u0131n. \u00d6rne\u011fin <strong>36 ay<\/strong> i\u00e7in <strong>25.000 TL<\/strong> kredi \u00e7ektiniz, bug\u00fcnk\u00fc bankalar\u0131n sundu\u011fu ortalama <strong>y\u00fczde 2,09<\/strong> faizle \u00f6demeniz gereken tutar <strong>38.253 TL<\/strong> olacak. Yani tam <strong>13.000 TL<\/strong> <strong>faize<\/strong> gidecek. Kesilen dosya masraf\u0131 da cabas\u0131. O y\u00fczden aman ha \u015fu ara kredi falan \u00e7ekmeyin.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Harcamalarinizi_kisin\"><\/span>2. Harcamalar\u0131n\u0131z\u0131 k\u0131s\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/02-kisisel-borcla-nasil-mucadele-edilir-harcamalarinizi-kisin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2391 size-full\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/02-kisisel-borcla-nasil-mucadele-edilir-harcamalarinizi-kisin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Harcamalar\u0131n\u0131z\u0131 k\u0131s\u0131n. \" width=\"750\" height=\"375\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/02-kisisel-borcla-nasil-mucadele-edilir-harcamalarinizi-kisin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/02-kisisel-borcla-nasil-mucadele-edilir-harcamalarinizi-kisin-300x150.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>E\u011fer ki\u015fisel bor\u00e7lar\u0131n\u0131zla ba\u015fa \u00e7\u0131kam\u0131yorsan\u0131z, yapman\u0131z gereken en \u00f6nemli \u015fey <strong>gereksiz masraflar\u0131n\u0131z\u0131 k\u0131smak<\/strong>. <strong>Kira, g\u0131da, ula\u015f\u0131m, telekom\u00fcnikasyon<\/strong> ve bunun gibi olmazsa olmaz t\u00fcm masraflar\u0131n\u0131z d\u0131\u015f\u0131nda hayat\u0131n\u0131zda ne l\u00fcks varsa \u00e7\u0131kar\u0131n. Minimalist ya\u015fay\u0131n. Gereksiz bir \u015fey sat\u0131n almay\u0131n. \u00d6rne\u011fin, 3 kot pantolonunuz varsa ve sa\u011flamlarsa, gidip yenisini almay\u0131n. Ayakkab\u0131lar\u0131n\u0131z yeterliyse yeni bir ayakkab\u0131 rahatlay\u0131ncaya kadar almay\u0131n. D\u0131\u015far\u0131da \u00e7ok yemek yemeyin. Ucuz marketleri se\u00e7in. Evde yemek yap\u0131n. \u00c7ocuklar\u0131n\u0131z varsa masraflar\u0131n\u0131 olabildi\u011fince azalt\u0131n. Sizi anlayabilecek ya\u015ftaysalar, onlarla oturun konu\u015fun. Bir s\u00fcre di\u015finizin s\u0131kman\u0131z gerekti\u011fini belirtin. Pahal\u0131 tatillere gitmeyin, olabildi\u011fince minimumda ya\u015famaya \u00e7al\u0131\u015f\u0131n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Ek_gelir_kapilari_bulmaya_calisin\"><\/span>3. Ek gelir kap\u0131lar\u0131 bulmaya \u00e7al\u0131\u015f\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/03-kisisel-borcla-nasil-mucadele-edilir-ek-gelir-bulmaya-calisin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2393 size-full\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/03-kisisel-borcla-nasil-mucadele-edilir-ek-gelir-bulmaya-calisin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Ek gelir kap\u0131lar\u0131 bulmaya \u00e7al\u0131\u015f\u0131n.\" width=\"750\" height=\"422\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/03-kisisel-borcla-nasil-mucadele-edilir-ek-gelir-bulmaya-calisin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/03-kisisel-borcla-nasil-mucadele-edilir-ek-gelir-bulmaya-calisin-300x169.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Maa\u015fl\u0131 8-5 ya da 9-6 bir i\u015fte \u00e7al\u0131\u015f\u0131yorsan\u0131z evet bu biraz zor. Ancak zor \u015fartlarda bazen insan kendini zorlamal\u0131 ve kendisine yeni gelir kap\u0131lar\u0131 aramal\u0131. Bu y\u00fczden <strong>&#8220;ek gelir olarak ne yapabilirim&#8221;<\/strong> diye d\u00fc\u015f\u00fcnmenizde yarar var. Uzmanl\u0131\u011f\u0131n\u0131z olan bir konuda d\u0131\u015far\u0131dan i\u015fler alabilirsiniz. Arac\u0131l\u0131k, komisyonculuk gibi yapabilece\u011finiz i\u015fler bulmaya \u00e7al\u0131\u015fabilirsiniz. Evdeki kullanmad\u0131\u011f\u0131n\u0131z de\u011feri olan \u015feyleri elden \u00e7\u0131karabilirsiniz. D\u00fc\u015f\u00fck seviyede <strong>internet \u00fczerinden al-sat<\/strong> yapabilirsiniz. \u015eu an a\u00e7\u0131k\u00e7as\u0131 \u015funu yap\u0131n, bunu yap\u0131n diyemiyoruz. Ancak, ne yapabilirim diye d\u00fc\u015f\u00fcn\u00fcp ayda size en az\u0131ndan <strong>1.000-1.500 TL<\/strong> ek gelir getirebilecek i\u015fler bulabilirseniz, en az\u0131ndan biraz daha rahatlam\u0131\u015f olursunuz.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Paraniz_varsa_faizde_degerlendirin\"><\/span>4. Paran\u0131z varsa faizde de\u011ferlendirin<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/04-kisisel-borcla-nasil-mucadele-edilir-paranizi-faizde-degerlendirin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2395 size-full\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/04-kisisel-borcla-nasil-mucadele-edilir-paranizi-faizde-degerlendirin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Paran\u0131z\u0131 banka faizinde de\u011ferlendirin.\" width=\"750\" height=\"422\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/04-kisisel-borcla-nasil-mucadele-edilir-paranizi-faizde-degerlendirin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/04-kisisel-borcla-nasil-mucadele-edilir-paranizi-faizde-degerlendirin-300x169.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Cebinizde az \u00e7ok paran\u0131z varsa, en az\u0131ndan <strong>art\u0131 durumdaysan\u0131z<\/strong> paran\u0131z\u0131 mutlaka de\u011ferlendirin. \u015eu an en uygun yat\u0131r\u0131m bu faiz oranlar\u0131yla paray\u0131 <strong>mevduat\u0131n\u0131za iyi faiz getiren bir bankaya yat\u0131rmak<\/strong>. G\u00fcnl\u00fck faiz veren, istedi\u011finiz zaman paran\u0131z\u0131n istedi\u011finiz kadar\u0131n\u0131 \u00e7ekmenizi sa\u011flayan \u00e7\u00f6z\u00fcmler mevcut. \u00d6rne\u011fin maa\u015f\u0131n\u0131z\u0131 ald\u0131\u011f\u0131n\u0131zda bor\u00e7lar\u0131 \u00f6dedikten sonra geriye az ya da \u00e7ok bir \u015fey kal\u0131yorsa paran\u0131z\u0131 b\u00f6yle bir \u00e7\u00f6z\u00fcm sunan bankada de\u011ferlendirin. <strong>D\u00f6vizin<\/strong> her ge\u00e7en g\u00fcn art\u0131yor evet. Ancak u\u00e7 kuru\u015f paran\u0131z varsa bunu <strong>d\u00f6vizde de\u011ferlendirmek<\/strong>, <strong>banka faizine<\/strong> oranla risklidir. \u00c7\u00fcnk\u00fc paran\u0131z d\u00f6vizde ise t\u0131pk\u0131 <strong>Bitcoin<\/strong>\u2019e yat\u0131r\u0131m yapm\u0131\u015f gibi asla kendinizi rahat hissedemezsiniz. Bu tip yat\u0131r\u0131m ara\u00e7lar\u0131nda piyasalar\u0131 \u00e7ok iyi takip etmeniz, nerede al\u0131p nerede sataca\u011f\u0131n\u0131z\u0131 bilmeniz gerekir. Bu da sizi strese sokacakt\u0131r. \u0130\u015finiz varsa t\u00fcm g\u00fcn d\u00f6vizi takip etmekten, tam olarak konsantre olamayabilirsiniz. Bu da performans\u0131n\u0131z\u0131n d\u00fc\u015fmesine ve az \u00e7ok gelir getiren i\u015finizi de kaybetmenize yol a\u00e7abilir. Bu y\u00fczden, kafan\u0131z\u0131n rahat olmas\u0131 i\u00e7in \u015fu an en iyi \u00e7\u00f6z\u00fcm paran\u0131z\u0131 faizde de\u011ferlendirmek.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Ev_aldiysaniz_ve_yeteri_kadar_gelir_getirmiyorsa_satin\"><\/span>5. Ev ald\u0131ysan\u0131z ve yeteri kadar gelir getirmiyorsa sat\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/05-kisisel-borcla-nasil-mucadele-edilir-evinizi-satin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2397\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/05-kisisel-borcla-nasil-mucadele-edilir-evinizi-satin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Ev ald\u0131ysan\u0131z sat\u0131n.\" width=\"750\" height=\"418\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/05-kisisel-borcla-nasil-mucadele-edilir-evinizi-satin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/05-kisisel-borcla-nasil-mucadele-edilir-evinizi-satin-300x167.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Son 5-10 y\u0131lda <strong>T\u00fcrkiye\u2019de emlak sekt\u00f6r\u00fc<\/strong> hi\u00e7 olmad\u0131\u011f\u0131 kadar patlad\u0131. \u0130nsanlar, <strong>en iyi yat\u0131r\u0131m\u0131n ev almak<\/strong> oldu\u011funu sand\u0131. Evleri varken bile, yat\u0131r\u0131m ama\u00e7l\u0131 krediyle bir ev alay\u0131m, kiralar\u0131m, kredisini de bu \u015fekilde \u00f6derim diye d\u00fc\u015f\u00fcnd\u00fc. Sonunda <strong>emlak balonu<\/strong> patlad\u0131. \u015eu an \u00fclkede <strong>2 milyondan fazla konut stoku<\/strong> var. Kiralar d\u00fc\u015f\u00fck. Zaten bu ekonomik \u015fartlarda y\u00fcksek kiralar\u0131 kimse \u00f6deyemez. Bu y\u00fczden evinize y\u00fcksek kira belirledi\u011finizde kimse tutmaz. \u015eu an yap\u0131lan sitelerin \u00e7o\u011funda yakla\u015f\u0131k <strong>bir milyon TL<\/strong>\u2019ye al\u0131nan dairelerin kira getirisi ayda sadece<strong> 2.500<\/strong> bilemediniz <strong>3.500 TL<\/strong> seviyelerinde. Bu paray\u0131 bir y\u0131ll\u0131k faize yat\u0131r\u0131rsan\u0131z alaca\u011f\u0131n\u0131z faiz getirisi ise \u015fu an <strong>164.000 TL<\/strong>\u2019ye eri\u015febiliyor. Bunu da aya b\u00f6lersek, ayda ortalama <strong>14.000 TL<\/strong> kazanm\u0131\u015f olursunuz. Dolay\u0131s\u0131yla, siz de emlak balonuna kan\u0131p eve yat\u0131r\u0131m yapt\u0131ysan\u0131z, onu \u015fu an zarar\u0131na da elden \u00e7\u0131kar\u0131p paran\u0131z\u0131 faizde de\u011ferlendirirseniz \u00e7ok daha iyi bir kazan\u00e7 sa\u011flam\u0131\u015f olursunuz. Ancak t\u00fcm bunlar evi <strong>kredi ile almad\u0131ysan\u0131z<\/strong> ge\u00e7erli. Krediyle ald\u0131ysan\u0131z ge\u00e7mi\u015f olsun.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Borc_icindeyken_araba_lukstur\"><\/span>6. Bor\u00e7 i\u00e7indeyken araba l\u00fckst\u00fcr<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/06-kisisel-borcla-nasil-mucadele-edilir-araba-lukstur.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2399\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/06-kisisel-borcla-nasil-mucadele-edilir-araba-lukstur.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Araba l\u00fckst\u00fcr, araban\u0131z\u0131 sat\u0131n.\" width=\"750\" height=\"442\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/06-kisisel-borcla-nasil-mucadele-edilir-araba-lukstur.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/06-kisisel-borcla-nasil-mucadele-edilir-araba-lukstur-300x177.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>E\u011fer <strong>araban\u0131z varsa<\/strong> ve bor\u00e7lar\u0131n\u0131z da varsa araban\u0131z\u0131 satmak mant\u0131kl\u0131 bir karar olabilir. \u00c7\u00fcnk\u00fc bor\u00e7 i\u00e7indeyken <strong>araba bir l\u00fckst\u00fcr<\/strong>. Durdu\u011fu yerde <strong>vergi, muayene, kasko, trafik sigortas\u0131<\/strong> gibi masraflar\u0131 vard\u0131r. \u00dcstelik durdu\u011fu yerde <strong>bak\u0131m, onar\u0131m<\/strong> gibi masraflar da \u00e7\u0131karabilir. E\u011fer otopark yoksa evinizde, belki ayda <strong>300-400 TL otopark paras\u0131<\/strong> da vermeniz gerekebilir. K\u0131saca araba masraf \u00e7\u0131kar\u0131r. Onu satarsan\u0131z hem y\u0131lda minimum <strong>4.000-5.000 TL<\/strong>\u2019yi bulan masraflardan (\u00e7ok kullanmazsan\u0131z tabii bu seviyede) kurtulmu\u015f hem de bor\u00e7lar\u0131n\u0131z\u0131 bir nebze olsun (belki de tamam\u0131n\u0131) kapatm\u0131\u015f olursunuz. Bir daha araba alamam diye d\u00fc\u015f\u00fcnmeyin. Gelecekte ekonomik olarak \u015fartlar\u0131n\u0131z yeniden uygun oldu\u011funda aya\u011f\u0131n\u0131z\u0131 yerden kesecek bir araba yine al\u0131rs\u0131n\u0131z. Yeter ki <strong>aya\u011f\u0131n\u0131z\u0131 yorgan\u0131n\u0131za g\u00f6re uzatmay\u0131<\/strong> \u00f6\u011frenin.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Daha_fazla_borc_yukune_girmemek_icin_taksit_tuzaklarina_dikkat_edin\"><\/span>7. Daha fazla bor\u00e7 y\u00fck\u00fcne girmemek i\u00e7in taksit tuzaklar\u0131na dikkat edin<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/07-kisisel-borcla-nasil-mucadele-edilir-taksitli-alisveristen-kacinin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2401\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/07-kisisel-borcla-nasil-mucadele-edilir-taksitli-alisveristen-kacinin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Taksitli al\u0131\u015fveri\u015f tuza\u011f\u0131na dikkat edin.\" width=\"750\" height=\"284\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/07-kisisel-borcla-nasil-mucadele-edilir-taksitli-alisveristen-kacinin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/07-kisisel-borcla-nasil-mucadele-edilir-taksitli-alisveristen-kacinin-300x114.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Bor\u00e7lar\u0131n\u0131z\u0131 \u00f6demenizin en \u00f6nemli sebeplerden biri taksit tuzaklar\u0131na kan\u0131p, \u201caman ne olacak can\u0131m <strong>ayda 200-300 TL<\/strong>\u201d deyip ihtiyac\u0131n\u0131z olmayan \u015feyleri sat\u0131n alman\u0131zd\u0131r. Bu tip harcamalar zamanla birikir, bir bakarsan\u0131z ayda <strong>2.000-3.000 TL taksit \u00f6demesi<\/strong> yapmaya ba\u015flars\u0131n\u0131z. Biri biter biri ba\u015flar. Bu y\u00fczden <strong>7-9<\/strong> hatta <strong>12 taksit<\/strong> gibi tuzaklara kanmay\u0131n. M\u00fcmk\u00fcn oldu\u011funca nakit kullan\u0131n. E\u011fer kredi kart\u0131n\u0131z varsa, tek \u00e7ekim tercih edin. \u0130htiyac\u0131n\u0131z olmayan bir \u015feyi de yukar\u0131da anlatt\u0131\u011f\u0131m\u0131z gibi almay\u0131n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Telefonda_bir_sey_asla_almayin\"><\/span>8. Telefonda bir \u015fey asla almay\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/08-kisisel-borcla-nasil-mucadele-edilir-telefonda-birsey-almayin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-2403\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/08-kisisel-borcla-nasil-mucadele-edilir-telefonda-birsey-almayin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Telefonda bir \u015fey sat\u0131n almay\u0131n.\" width=\"750\" height=\"422\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/08-kisisel-borcla-nasil-mucadele-edilir-telefonda-birsey-almayin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/08-kisisel-borcla-nasil-mucadele-edilir-telefonda-birsey-almayin-300x169.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>Bu tip ekonomik krizlerin oldu\u011fu d\u00f6nemlerde m\u00fcesseselerin \u00e7o\u011fu daha agresif olur. <strong>M\u00fcessese<\/strong> laf\u0131 da ne g\u00fczel bir laft\u0131r bu arada. Neyse. S\u00fcrekli telefonunuz \u00e7alar, size ihtiyac\u0131n\u0131z olmayan bir s\u00fcr\u00fc \u015fey satmaya \u00e7al\u0131\u015f\u0131rlar. Bankalar da \u00f6zellikle bu zamanlarda size <strong>taksitli para<\/strong> vermek, <strong>ekstrelerinizi atlatmak<\/strong> vesaire vesaire i\u00e7in s\u00fcrekli arar. Her kabul etti\u011finiz \u015fey size eksi olarak d\u00f6ner. Bu y\u00fczden bu telefonla yap\u0131lan sat\u0131\u015f tuzaklar\u0131na kar\u015f\u0131 diren\u00e7li olun. Hay\u0131r demeyi bilin. Zaten bir s\u00fcr\u00fc firma, <strong>telefonla aranma izniniz olmadan<\/strong> yasalara ra\u011fmen telefonunuzu bir yerden bulup sizi ar\u0131yor. Dolay\u0131s\u0131yla \u00e7ok fazla kibar olman\u0131za gerek yok. En iyi taktik, \u201c<strong>Telefonumu nereden buldunuz?<\/strong>\u201d demek. Bu c\u00fcmleyi kurdu\u011funuzda zaten 1-0 \u00f6ne ge\u00e7iyorsunuz. E\u011fer izniniz olan bir yerse de ihtiyac\u0131m yok deyip kibarca kapat\u0131n. Asla, \u201c<strong>Durun en az\u0131ndan bir anlatay\u0131m<\/strong>\u201d tuza\u011f\u0131na gelmeyin.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Kullanmadiginiz_kredi_kartlarini_kapatin\"><\/span>9. Kullanmad\u0131\u011f\u0131n\u0131z kredi kartlar\u0131n\u0131 kapat\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/09-kisisel-borcla-nasil-mucadele-edilir-kullanmadiginiz-kredi-kartlarinizi-kapatin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2405 size-full\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/09-kisisel-borcla-nasil-mucadele-edilir-kullanmadiginiz-kredi-kartlarinizi-kapatin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Kullanmad\u0131\u011f\u0131n\u0131z kredi kartlar\u0131n\u0131z\u0131 kapat\u0131n.\" width=\"750\" height=\"500\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/09-kisisel-borcla-nasil-mucadele-edilir-kullanmadiginiz-kredi-kartlarinizi-kapatin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/09-kisisel-borcla-nasil-mucadele-edilir-kullanmadiginiz-kredi-kartlarinizi-kapatin-300x200.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p><strong>Kullanmad\u0131\u011f\u0131n\u0131z kartlar<\/strong> varsa mutlaka kapat\u0131n. Bunlar\u0131n hem <strong>y\u0131ll\u0131k kullan\u0131m \u00fccretleri<\/strong> olabilir, hem de sizi daha fazla al\u0131\u015fveri\u015fe te\u015fvik edebilirler. \u0130deali <strong>en fazla bir kredi kart\u0131na<\/strong> sahip olmakt\u0131r. Bu y\u00fczden kapat\u0131n gitsin di\u011ferlerini.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_Enseyi_karartmayin_borc_gelip_gecer\"><\/span>10. Enseyi karartmay\u0131n, bor\u00e7 gelip ge\u00e7er<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/10-kisisel-borcla-nasil-mucadele-edilir-enseyi-karartmayin.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2407 size-full\" src=\"http:\/\/www.teknomanyak.com\/wp-content\/uploads\/2018\/08\/10-kisisel-borcla-nasil-mucadele-edilir-enseyi-karartmayin.jpg\" alt=\"Ki\u015fisel bor\u00e7la nas\u0131l m\u00fccadele edilir? Enseyi karartmay\u0131n.\" width=\"750\" height=\"422\" srcset=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/10-kisisel-borcla-nasil-mucadele-edilir-enseyi-karartmayin.jpg 750w, https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/10-kisisel-borcla-nasil-mucadele-edilir-enseyi-karartmayin-300x169.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/a><\/p>\n<p>En \u00f6nemli tavsiyemiz ise asla <strong>ensenizi karartmaman\u0131z<\/strong>. \u015eunu bilin <strong>her karanl\u0131\u011f\u0131n sonu mutlaka ayd\u0131nl\u0131kt\u0131r<\/strong>. Ve hayat\u0131n\u0131zdaki en \u00f6nemli varl\u0131\u011f\u0131n\u0131z <strong>sa\u011fl\u0131\u011f\u0131n\u0131z, aileniz ve yak\u0131n dostlar\u0131n\u0131zd\u0131r<\/strong>. Onlar\u0131n k\u0131ymetini bilin. Sabredin. Bunun sadece sizin ba\u015f\u0131n\u0131za gelmedi\u011fini, \u00fclkenin neredeyse <strong>y\u00fczde 80\u2019inin<\/strong> sizinle ayn\u0131 \u015fartlarda oldu\u011funu unutmay\u0131n. <strong>Kendinize olan g\u00fcveninizi<\/strong> asla kaybetmeyin. \u00c7al\u0131\u015fmaya devam edin ve asla vazge\u00e7meyin. Bu krizi atlatmay\u0131 ba\u015fard\u0131\u011f\u0131n\u0131zda da bir daha asla ayn\u0131 hatalar\u0131 <strong>tekrarlamayaca\u011f\u0131n\u0131za<\/strong>, bol keseden<strong> harcamayaca\u011f\u0131n\u0131za<\/strong>, zor g\u00fcnler i\u00e7in kenara her ay <strong>3-5 kuru\u015f ataca\u011f\u0131n\u0131za<\/strong> dair kendinize s\u00f6z verin. Cebinizdeki <strong>paran\u0131n her zaman k\u0131ymetini bilin<\/strong>, \u00e7\u00fcnk\u00fc para k\u0131ymet bildik\u00e7e artan bir varl\u0131kt\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ki\u015fisel bor\u00e7lar\u0131m\u0131z giderek art\u0131yor. T\u00fcrkiye&#8217;nin ekonomik durumu malum. Dolar, euro, alt\u0131n fiyatlar\u0131 ald\u0131 ba\u015f\u0131n\u0131 gitti. A\u00e7\u0131klanan enflasyon oran\u0131 y\u00fczde 13 seviyelerinde. Ancak t\u00fcm kalemlere vurursak son bir y\u0131lda hayat\u0131n y\u00fczde 30-40 dolaylar\u0131nda pahal\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yleyebiliriz. \u00d6rne\u011fin, mutfak harcamalar\u0131ndaki enflasyon oran\u0131 en az y\u00fczde 30 seviyelerinde. Yurt d\u0131\u015f\u0131ndan getirilen arabalar, elektronik \u00fcr\u00fcnleri de d\u00f6vizdeki y\u00fckseli\u015f y\u00fcz\u00fcnden yakla\u015f\u0131k &hellip;<\/p>\n","protected":false},"author":1,"featured_media":2409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":"","footnotes":""},"categories":[140],"tags":[119,120],"class_list":["post-2388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel-kultur","tag-borc","tag-tasarruf"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ki\u015fisel Bor\u00e7lar\u0131n\u0131zla M\u00fccadele Etmeniz \u0130\u00e7in 10 \u00d6neri - TeknomanyaK<\/title>\n<meta name=\"description\" content=\"Ki\u015fisel bor\u00e7lar art\u0131yor, ald\u0131\u011f\u0131m\u0131z maa\u015f enflasyon ve zamlar kar\u015f\u0131s\u0131nda g\u00fcnden g\u00fcne eriyor. \u0130\u015fte daha fazla batmamak i\u00e7in yapabilece\u011finiz 10 \u015fey.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ki\u015fisel Bor\u00e7lar\u0131n\u0131zla M\u00fccadele Etmeniz \u0130\u00e7in 10 \u00d6neri - TeknomanyaK\" \/>\n<meta property=\"og:description\" content=\"Ki\u015fisel bor\u00e7lar\u0131m\u0131z art\u0131yor, ald\u0131\u011f\u0131m\u0131z maa\u015f enflasyon ve zamlar kar\u015f\u0131s\u0131nda g\u00fcnden g\u00fcne eriyor. \u0130\u015fte daha fazla batmamak i\u00e7in yapabilece\u011finiz 10 \u015fey.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teknomanyak.com\/tr\/2018\/08\/05\/kisisel-borclarla-mucade-icin-oneriler\/\" \/>\n<meta property=\"og:site_name\" content=\"TeknomanyaK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/teknomanyakcom\" \/>\n<meta property=\"article:published_time\" content=\"2018-08-05T21:05:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-25T20:02:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/teknomanyak.com\/wp-content\/uploads\/2018\/08\/kisisel-borclar-ile-mucadele-etme-yontemleri.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"805\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"kochero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Ki\u015fisel Bor\u00e7lar\u0131n\u0131zla M\u00fccadele Etmeniz \u0130\u00e7in 10 \u00d6neri - 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