{"id":576,"date":"2023-01-23T21:26:25","date_gmt":"2023-01-23T18:26:25","guid":{"rendered":"https:\/\/baytutumlu.com\/?p=576"},"modified":"2024-06-27T22:19:07","modified_gmt":"2024-06-27T19:19:07","slug":"finansal-ozgurlugun-5-asamasi","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2023\/01\/23\/finansal-ozgurlugun-5-asamasi\/","title":{"rendered":"Finansal \u00d6zg\u00fcrl\u00fc\u011f\u00fcn 5 A\u015famas\u0131"},"content":{"rendered":"\n

Finansal \u00f6zg\u00fcrl\u00fck \u00e7o\u011fumuzun ula\u015fmak istedi\u011fi fakat ula\u015fmas\u0131 da bir o kadar kolay olmayan bir hedef. Pek \u00e7ok ki\u015fi bu yola ba\u015f koyduktan sonra, kimisi ki\u015fisel nedenlerle, kimisi ise motivasyon kayb\u0131 nedeniyle yar\u0131 yolda b\u0131rakmak zorunda kal\u0131yor. Ony\u0131llar alabilen bu s\u00fcre\u00e7te motivasyonun \u00f6nemini anlatmaya gerek yok san\u0131r\u0131m. Ilk 6 ay-1 y\u0131l boyunca yap\u0131lan ara\u015ft\u0131rmalar, okunan kitaplar sonucu yat\u0131r\u0131mlar d\u00fczene sokulunca kisinin icinde bir bo\u015fluk hissi olu\u015fabilir. \u00c7\u00fcnk\u00fc art\u0131k sabretmesi ve yat\u0131r\u0131m hesab\u0131n\u0131n b\u00fcy\u00fcmesini izlemesi gerekecektir. \u0130\u015fte bu asamada motivasyon kayb\u0131n\u0131 \u00f6nlemek icin kilometre ta\u015flar\u0131 koymak \u00f6nemli. Bir excel tablosu olu\u015fturup, ay ay harcamalar\u0131n ve yat\u0131r\u0131m durumunu kontrol etmek, ki\u015fiye hala direksiyonun ba\u015f\u0131nda oldugunu hissettirecek ve b\u00f6ylece kisinin heyecan\u0131 kaybolmayacak.<\/p>\n\n\n\n

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\"\"<\/figure>\n<\/figure>\n\n\n\n

Bunu neden s\u00f6yl\u00fcyorum? Bu yola \u00e7\u0131kan bir \u00e7ok ki\u015fi toplu bir parayla ba\u015flamad\u0131\u011f\u0131 i\u00e7in ayl\u0131k al\u0131mlar yap\u0131yor. K\u00fc\u00e7\u00fck sermaye ile ba\u015flanan bu s\u00fcre\u00e7te portf\u00f6y b\u00fcy\u00fcyene kadar gereksiz riskli yat\u0131r\u0131mlar yapmamak gerekiyor. \u00d6zellikle son 1 y\u0131lda borsan\u0131n ciddi manada y\u00fckselmesi ve FOMO(piyasay\u0131 ka\u00e7\u0131rma korkusu) k\u00fc\u00e7\u00fck sermayeli yat\u0131r\u0131mc\u0131lar\u0131n kredili i\u015flem yaparak portf\u00f6y\u00fcn\u00fc b\u00fcy\u00fctme d\u00fcrt\u00fclerini harekete ge\u00e7iriyor. Burada sosyal medya kullan\u0131m\u0131n\u0131 minimize etmek ve s\u00fcrekli okumak gerekiyor. Warren Buffett ve Charlie Munger’\u0131n g\u00fcnde 500 sayfa faaliyet raporu okudu\u011funu biliyor muydunuz? Charlie Munger, bir i\u015f dehas\u0131 olarak do\u011fmad\u0131\u011f\u0131n\u0131, ancak y\u0131llarca her g\u00fcn say\u0131s\u0131z saat okuyarak ve bilgiyi \u00f6z\u00fcmseyerek yat\u0131r\u0131m anlay\u0131\u015f\u0131n\u0131 geli\u015ftirdi\u011fini s\u00f6yl\u00fcyor. Bir Warren veya Charlie olamayaca\u011f\u0131z belki ama onlar\u0131n yat\u0131r\u0131m tarzlar\u0131n\u0131 \u00f6\u011frenip \u00f6z\u00fcmseyerek kendi stilimizi olu\u015fturabiliriz.<\/p>\n\n\n\n

Finansal \u00f6zg\u00fcrl\u00fck yolculu\u011funu ben \u015fu 5 a\u015famada \u00f6zetlemek istiyorum.<\/p>\n\n\n\n

  1. Finansal Ba\u011f\u0131ml\u0131l\u0131k<\/strong><\/li><\/ol>\n\n\n\n

    Bu a\u015famada hala bor\u00e7lar\u0131m\u0131z y\u00fcz\u00fcnden para biriktiremiyoruz. Net varl\u0131k=Varl\u0131klar-Bor\u00e7lar oldu\u011funa g\u00f6re, bu asamada bor\u00e7lar\u0131m\u0131z net varl\u0131\u011f\u0131m\u0131zdan fazla. Finansal \u00f6zg\u00fcrl\u00fck kavram\u0131n\u0131 yeni ke\u015ffetmi\u015fiz ve en k\u0131sa s\u00fcrede bor\u00e7lar\u0131m\u0131z\u0131 \u00f6demek i\u00e7in var g\u00fcc\u00fcm\u00fczle \u00e7al\u0131\u015f\u0131yoruz.<\/p>\n\n\n\n

    1. Finansal Stabilite<\/strong><\/li><\/ol>\n\n\n\n

      Bu asamada art\u0131k bor\u00e7lar\u0131m\u0131z\u0131n bir\u00e7o\u011funu \u00f6dedik ve net varl\u0131\u011f\u0131m\u0131z pozitife \u00e7\u0131kt\u0131. Hala \u00f6\u011frenmeye, kitap okumaya ve yat\u0131r\u0131m konusunda kendimizi geli\u015ftirmeye devam ediyoruz. \u0130\u015fimizin sa\u011flaml\u0131\u011f\u0131na g\u00f6re 1 ay ile 1 y\u0131l aras\u0131nda de\u011fi\u015febilen bir acil durum fonu olu\u015fturduk. Bunun amac\u0131 i\u015fimizi kaybedersek, yeni bir i\u015f bulana kadar bize yetecek miktarda para biriktirmek. Kamuda \u00e7al\u0131\u015fan kisiler bu a\u015famay\u0131 1 ayla s\u0131n\u0131rl\u0131 tutabilirken, riskli bir i\u015fte \u00e7al\u0131\u015fanlar 1 y\u0131la kadar \u00e7\u0131kartabilir. Art\u0131k tam anlam\u0131yla finansal olarak stabil durumday\u0131z. Yava\u015f yava\u015f yat\u0131r\u0131m fonu, hisse senedi vb enstr\u00fcmanlara yat\u0131r\u0131m yapmaya ba\u015flad\u0131k. <\/p>\n\n\n\n

      3. 5 Y\u0131ll\u0131k Giderlerimiz Kadar P\u00f6rtf\u00f6y Sahibi Olmak<\/strong><\/p>\n\n\n\n

      Bu a\u015famada art\u0131k ekonomi ve finans d\u00fcnyas\u0131, yat\u0131r\u0131m konular\u0131n\u0131 detayl\u0131 ara\u015ft\u0131rm\u0131\u015f bir birey olarak 5 y\u0131ll\u0131k giderimiz kadar miktar\u0131 biriktirmi\u015f durumday\u0131z. Hala finansal \u00f6zg\u00fcrl\u00fck icin \u00f6n\u00fcm\u00fczde \u00e7ok yol var fakat bu asamada istersek i\u015fi b\u0131rak\u0131p 1 y\u0131ll\u0131\u011f\u0131na d\u00fcnyay\u0131 gezebiliriz, \u00f6zg\u00fcrl\u00fck bizim elimizde. Tahminen finansal \u00f6zg\u00fcrl\u00fck yolculu\u011funa ba\u015flayal\u0131 1-3 y\u0131l ge\u00e7mi\u015f.<\/p>\n\n\n\n

      4. Finansal G\u00fcvenlik<\/strong><\/p>\n\n\n\n

      Bu asamaya yurt d\u0131\u015f\u0131nda Lean FIRE deniyor. Yani, yat\u0131r\u0131mlar\u0131n\u0131zdan gelen pasif gelir temel harcamalar\u0131n\u0131za yetecek konuma gelmi\u015fsiniz demek. Temel harcamalardan kas\u0131t; bar\u0131nma, yemek, fatura gibi harcamalar. Eglence, seyahat gibi masraflar\u0131 d\u0131\u015farda tutuyoruz. Bu a\u015famada isterseniz i\u015finizi b\u0131rak\u0131p yar\u0131 zamanl\u0131 yan i\u015fler yaparak ge\u00e7inebilir, isterseniz hi\u00e7 \u00e7al\u0131\u015fmay\u0131p harcamalar\u0131n\u0131z\u0131 piyasalar\u0131n durumuna g\u00f6re azalt\u0131p art\u0131rarak ya\u015famaya devam edebilirsiniz.Rakam olarak verecek olursak y\u0131ll\u0131k harcamalar\u0131n 15 ile 20 kat\u0131 aras\u0131 diyebiliriz.<\/p>\n\n\n\n

      5. Finansal \u00d6zg\u00fcrl\u00fck<\/strong><\/p>\n\n\n\n

      Bu a\u015fama, yola \u00e7\u0131kan herkesin ula\u015fmak istedi\u011fi ana hedef olarak, y\u0131ll\u0131k harcamalar\u0131 kadar miktar\u0131n pasif gelirler ile kar\u015f\u0131lanmas\u0131n\u0131 ifade ediyor. Bu pasif gelir; temett\u00fc, tahvil getirisi, kira getirisi olabilir. Bu asamada art\u0131k ister \u00e7al\u0131\u015fmay\u0131 tamamen b\u0131rak\u0131p emeklili\u011fin tad\u0131n\u0131 \u00e7\u0131karabilir, isterseniz ise keyif ama\u00e7l\u0131 istedi\u011finiz isle u\u011fra\u015fabilirsiniz. Kar amac\u0131 g\u00fctmeyen organizasyonlarda g\u00f6n\u00fcll\u00fcl\u00fck yapabilir, tar\u0131m ve bah\u00e7eyle u\u011fra\u015fabilir, b\u00fct\u00e7eniz oran\u0131nda d\u00fcnya turu bile yapabilirsiniz.<\/p>\n\n\n\n

      6. Finansal Bolluk(opsiyonel)<\/strong><\/p>\n\n\n\n

      Bu a\u015fama opsiyonel fakat yat\u0131r\u0131m kararlar\u0131n\u0131z isabetli ise, portf\u00f6y\u00fcn\u00fcz siz ya\u015fland\u0131k\u00e7a b\u00fcy\u00fcmeye devam edecek ve bir yerden sonra art\u0131k t\u00fcm ihtiya\u00e7lar\u0131n\u0131z\u0131 kar\u015f\u0131lad\u0131ktan sonra bile paran\u0131z artacak. Bu a\u015famaya finansal bolluk diyoruz. \u0130sterseniz bu paray\u0131 ba\u011f\u0131\u015flayabilir, isterseniz de\u011fi\u015fik l\u00fcks hobiler edinebilirsiniz:)\u00a0<\/p>\n\n\n\n

      Finansal \u00f6zg\u00fcrl\u00fck yolculu\u011funuza ba\u015flayal\u0131 ne kadar oldu? Siz hangi a\u015famadas\u0131n\u0131z?<\/p>\n\n\n\n

      Okudu\u011funuz icin te\u015fekk\u00fcr ederim.<\/p>\n\n\n\n

      Bay Tutumlu<\/p>\n","protected":false},"excerpt":{"rendered":"

      Finansal \u00f6zg\u00fcrl\u00fck \u00e7o\u011fumuzun ula\u015fmak istedi\u011fi fakat ula\u015fmas\u0131 da bir o kadar kolay olmayan bir hedef. Pek \u00e7ok ki\u015fi bu yola ba\u015f koyduktan sonra, kimisi ki\u015fisel…<\/p>\n","protected":false},"author":2,"featured_media":578,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"***Yeni Yaz\u0131***\n\nFinansal \u00d6zg\u00fcrl\u00fc\u011f\u00fcn 5 A\u015famas\u0131\n\nFinansal \u00f6zg\u00fcrl\u00fck yolculu\u011funuza ba\u015flayal\u0131 ne kadar oldu? Siz hangi a\u015famadas\u0131n\u0131z?\n\n#borsa #yat\u0131r\u0131m #hisse #eurobond #finansal\u00f6zg\u00fcrl\u00fck","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[3,8,6,14],"tags":[24,25,27,23],"class_list":["post-576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-erken-emeklilik","category-finansal-ozgurluk","category-fire","category-tasarruf","tag-finansal-ozgurluk","tag-fire","tag-tasarruf","tag-yatirim","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2023\/01\/pexels-photo-265087.jpeg?fit=1880%2C1253&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/comments?post=576"}],"version-history":[{"count":1,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/576\/revisions"}],"predecessor-version":[{"id":579,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/576\/revisions\/579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/578"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=576"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=576"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}