Herkesin bütçesi farklı olsada pek çoğumuz aynı anda hem ihtiyaçlarımızı gidermeyi hem de hayallerimizi gerçekleştirmeyi istiyoruz.

Bin bir zorlukla tasarruf yaparak, birikim hedeflerimiz için bazen isteklerimizden vazgeçmek zorunda kalabiliyoruz. Bu tür durumları çok fazla yaşamamak adına, bütçe planlamamızı uygulaması oldukça pratik olan 50/30/20 ile hayata geçirelim.

50/30/20 KURALI

Bu kural aylık bütçemizi 3 ana kategoriye ayırıyor

  • İhtiyaçlar
  • İstekler harcamalar
  • Tasarruf


  • Kira
  • Mutfak
  • Fatura
  • Ulaşım


  • Gezi-Eğlence
  • Giyim-Teknolojik İhtiyaçlar
  • Tatil


  • Hisse Senedi
  • Altın
  • Döviz
  • Bireysel Emeklilik

Örnek 7000 TL maaş alıyoruz

  • 3500 TL İhtiyaçlar
  • 2100 TL İstekler ve Kişisel Harcamalar
  • 1400 TL Tasarruf

Bu kuralı uygulayabilen biri aylık 1400 TL tasarruf ile istediği alanda yatırım yapabilir.

Maaş ve giderler örnek olarak verildiği için kendi aylık bütçenize göre bu planı uygulaya bilirsiniz.

Dünya genelinde başarı oranı gayet yüksek olan bu uygulama ile bir çok kişi, bütçe planlamasını yönetiyor ve geleceğine yatırım yapıyor.

Sende önümüzdeki ay bütçe planını bu şekilde uygula ve sonuçlarına odaklan. Başarılı yada başarısız bir sistem-uygulama olup olmadığını ancak deneyerek görebilirsin. Denemekten korkma ve geleceğine yatırım yapmak için kendine bir şans ver…

Tekrardan görüşmek dileğiyle…

17 yorum

  1. Teşekkürler, tasarruf ve yatirim düşünenler için güzel bir örnek ve yazı olmuş. Elinize sağlık..

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