{"id":384,"date":"2015-11-27T18:07:56","date_gmt":"2015-11-27T14:07:56","guid":{"rendered":"https:\/\/www.investaz.az\/blog\/?p=384"},"modified":"2018-03-29T10:57:51","modified_gmt":"2018-03-29T05:57:51","slug":"mezunlar-budcelerini-nece-formalasdirmalidirlar","status":"publish","type":"post","link":"https:\/\/www.investaz.az\/blog\/mezunlar-budcelerini-nece-formalasdirmalidirlar\/","title":{"rendered":"M\u0259zunlar b\u00fcdc\u0259l\u0259rini nec\u0259 formala\u015fd\u0131rmal\u0131d\u0131rlar?"},"content":{"rendered":"

\u018fyl\u0259nc\u0259li v\u0259 bir az da \u00e7\u0259tin t\u0259l\u0259b\u0259lik ill\u0259ri ba\u015fa \u00e7atd\u0131. Art\u0131q h\u0259yat\u0131n\u0131z\u0131n ipl\u0259rini \u0259lin\u0259 alan v\u0259 maliyy\u0259 v\u0259ziyy\u0259tiniz\u0259 n\u0259zar\u0259t ed\u0259 bil\u0259c\u0259k m\u0259zunsunuz. \u00d6z ayaqlar\u0131 \u00fcst\u00fcnd\u0259 duran, v\u0259saitl\u0259rinin hesabat\u0131n\u0131 aparan bir v\u0259t\u0259nda\u015f kimi yeti\u015fmisiniz. M\u0259suliyy\u0259tli v\u0259 bir q\u0259d\u0259r d\u0259 \u00e7\u0259tin g\u00f6r\u00fcn\u0259n bu yola, y\u0259ni maliyy\u0259ni idar\u0259 ed\u0259nl\u0259rin d\u00fcnyas\u0131na xo\u015f g\u0259ldiniz.<\/p>\n

\u0130llik B\u00fcdc\u0259 Planlamas\u0131<\/b><\/h2>\n

B\u00fcdc\u0259 planlamas\u0131 etm\u0259k, v\u0259saitl\u0259rin idar\u0259 edilm\u0259sini planl\u0131 \u015f\u0259kild\u0259 h\u0259yata ke\u00e7irm\u0259k dem\u0259kdir. Bu v\u0259saitl\u0259rinizl\u0259 ed\u0259c\u0259yiniz \u0259n \u00f6n\u0259mli i\u015fdir v\u0259 t\u0259k ehtiyac\u0131n\u0131z olan bir ne\u00e7\u0259 sad\u0259 d\u00fcsturdur. \u0130llik b\u00fcdc\u0259nizi m\u00fc\u0259yy\u0259n edin v\u0259 bu b\u00fcdc\u0259nin 50%-ni g\u00fcnd\u0259lik x\u0259rcl\u0259r\u0259, 30%-ni \u0259yl\u0259nc\u0259y\u0259, 20%-ni is\u0259 q\u0259na\u0259t etm\u0259y\u0259 ay\u0131r\u0131n. Unutmay\u0131n ki, u\u011furlu bir b\u00fcdc\u0259 plan\u0131 formala\u015fd\u0131rmaq \u00fc\u00e7\u00fcn \u00f6nc\u0259 g\u00fcnd\u0259lik ehtiyaclar\u0131n\u0131z\u0131 v\u0259 \u0259yl\u0259nc\u0259 x\u0259rcl\u0259rinizi m\u00fc\u0259yy\u0259n etm\u0259lisiniz.<\/p>\n

G\u0259liriniz n\u0259 q\u0259d\u0259rdir?<\/b><\/h2>\n

B\u00fcdc\u0259 planlamas\u0131n\u0131 formala\u015fd\u0131rmaq \u00fc\u00e7\u00fcn ilk \u00f6nc\u0259 g\u0259lirinizi bilm\u0259lisiniz. Bunun \u00fc\u00e7\u00fcn hesab\u0131n\u0131zda olan r\u0259q\u0259mi g\u00f6zd\u0259n ke\u00e7irin. G\u00f6zl\u0259nilm\u0259z hallardan qa\u00e7maq \u00fc\u00e7\u00fcn is\u0259 sabit olmayan g\u0259lirl\u0259ri v\u0259 ya \u0259lav\u0259 g\u0259lirl\u0259ri b\u00fcdc\u0259 hesablanmas\u0131na daxil etm\u0259yin.<\/p>\n

G\u00fcnd\u0259lik ehtiyaclar\u0131n\u0131z n\u0259 q\u0259d\u0259rdir?<\/b><\/h2>\n

Bir-bir z\u0259ruri x\u0259rcl\u0259rinizi illik v\u0259 ayl\u0131q olaraq hesablay\u0131n. Bunlara n\u0259l\u0259r daxil ola bil\u0259r: ev kir\u0259si, kreditl\u0259r, kommunal x\u0259rcl\u0259r, yol x\u0259rcl\u0259ri, tibbi x\u0259rcl\u0259r v\u0259 vergil\u0259r. Sizin \u00fc\u00e7\u00fcn daha ayd\u0131n olmas\u0131 \u00fc\u00e7\u00fcn b\u00fct\u00fcn z\u0259ruri x\u0259rcl\u0259rini daha detall\u0131 olaraq yaza bil\u0259rsiniz. H\u0259r n\u00f6vb\u0259ti il indiki z\u0259ruri x\u0259rcl\u0259rinizl\u0259 ke\u00e7\u0259n il olan z\u0259ruri x\u0259rcl\u0259rinizi m\u00fcqayis\u0259 edin.<\/p>\n

\u018fyl\u0259nc\u0259 x\u0259rcl\u0259ri n\u0259 q\u0259d\u0259rdir?<\/b><\/h2>\n

Z\u0259ruri x\u0259rcl\u0259rd\u0259n sonra s\u0131ra \u0259yl\u0259nc\u0259 x\u0259rcl\u0259rin\u0259 g\u0259lir. Bu x\u0259rcl\u0259r s\u0131ras\u0131na konsertl\u0259r, teatrlar, universitet v\u0259 ya i\u015f yolda\u015flar\u0131n\u0131zla ax\u015fam yem\u0259kl\u0259ri, t\u0259till\u0259r v\u0259 dig\u0259r abun\u0259lik x\u0259rcl\u0259r daxil ola bil\u0259r. \u0130nsan\u0131n \u0259yl\u0259nc\u0259l\u0259r\u0259 x\u0259rcl\u0259dikl\u0259ri v\u0259saitl\u0259r b\u00fcdc\u0259nin \u00e7ox hiss\u0259sini tutdu\u011fu \u00fc\u00e7\u00fcn bu kimi x\u0259rcl\u0259r\u0259 diqq\u0259t etm\u0259yiniz laz\u0131md\u0131r. Bu kimi x\u0259rcl\u0259r Sizin b\u00fcdc\u0259nizin 30%-d\u0259n \u00e7oxunu t\u0259\u015fkil etm\u0259m\u0259lidir.<\/p>\n

Q\u0259na\u0259t etm\u0259k x\u0259rcl\u0259m\u0259kd\u0259n daha d\u0259y\u0259rlidir.<\/b><\/h2>\n

Karyera pill\u0259l\u0259rinin ba\u015flan\u011f\u0131c\u0131nda olan m\u0259zun, ilk add\u0131mlar\u0131n\u0131 do\u011fru atarsa, daha sonra bunun b\u0259hr\u0259sini g\u00f6r\u0259c\u0259k. Pul qazanmaq q\u0259d\u0259r, onu d\u00fczg\u00fcn idar\u0259 etm\u0259k d\u0259 vacibdir. Q\u0259na\u0259t etm\u0259yiniz g\u0259l\u0259c\u0259kd\u0259 rahat olma\u011f\u0131n\u0131za \u015f\u0259rait yaradacaq. V\u0259saitl\u0259rinizi do\u011fru \u015f\u0259kild\u0259 d\u0259y\u0259rl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn yat\u0131r\u0131m hesab\u0131 a\u00e7a bil\u0259rsiniz. \u0130deal b\u00fcdc\u0259 plan\u0131 formala\u015fd\u0131rmaq \u00fc\u00e7\u00fcn g\u0259lirinizin 20%-ni ehtiyat \u00fc\u00e7\u00fcn saxlay\u0131n. V\u0259saitl\u0259rinizi do\u011fru idar\u0259 edin v\u0259 iqtisadi rahatl\u0131\u011f\u0131n z\u00f6vq\u00fcn\u00fc ya\u015fay\u0131n.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u018fyl\u0259nc\u0259li v\u0259 bir az da \u00e7\u0259tin t\u0259l\u0259b\u0259lik ill\u0259ri ba\u015fa \u00e7atd\u0131. Art\u0131q h\u0259yat\u0131n\u0131z\u0131n ipl\u0259rini \u0259lin\u0259 alan v\u0259 maliyy\u0259 v\u0259ziyy\u0259tiniz\u0259 n\u0259zar\u0259t ed\u0259 bil\u0259c\u0259k m\u0259zunsunuz. \u00d6z ayaqlar\u0131 \u00fcst\u00fcnd\u0259 duran, v\u0259saitl\u0259rinin hesabat\u0131n\u0131 aparan bir v\u0259t\u0259nda\u015f kimi yeti\u015fmisiniz. M\u0259suliyy\u0259tli v\u0259 bir q\u0259d\u0259r d\u0259 \u00e7\u0259tin g\u00f6r\u00fcn\u0259n bu yola, y\u0259ni maliyy\u0259ni idar\u0259 ed\u0259nl\u0259rin d\u00fcnyas\u0131na xo\u015f g\u0259ldiniz.<\/p>\n","protected":false},"author":1,"featured_media":385,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meqaleler"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/comments?post=384"}],"version-history":[{"count":3,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/384\/revisions"}],"predecessor-version":[{"id":1134,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/posts\/384\/revisions\/1134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media\/385"}],"wp:attachment":[{"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/media?parent=384"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/categories?post=384"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.az\/blog\/wp-json\/wp\/v2\/tags?post=384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}