EKONOMİ

Maaşı az olan dikkat: Bu tasarruf şekli

Ekonomik baskı altında yaşam mücadelesi veren sabit gelirli vatandaşlar için tasarruf hiç olmadığı kadar önemli hâle geldi.

Abone Ol

Ekonomi Profesörü Emre Alkin, maaşların yetersiz göründüğü bu dönemde dahi tasarruf yapılabileceğini belirtti. Gelirin yetip yetmediğini anlamanın ilk adımının harcamaları tanımak olduğunu vurgulayan Alkin, hayatı kolaylaştıracak ipuçlarını paylaştı.

Harcamalar yazıldığında farkındalık artıyor
“Maaş yetmiyor” demek yerine önce gelir ve giderin detaylı yazılması gerektiğini söyleyen Alkin, kişinin finansal durumunu net görmesinin ilk tasarruf adımı olduğunu aktardı. Harcama kalemleri gözle görülür hâle geldiğinde lüzumsuz giderler doğal şekilde eleniyor. Alkin’e göre bu süreç bile tek başına ciddi fark yaratabiliyor.

Hazır nakdi tüketmeyin, değerlendirmenin yollarını arayın
Elinizde bir miktar para varsa, onu harcamak yerine uzun vadeli yatırım için kullanmayı düşünün. Alkin, “Nakit paranızı hemen tüketmek yerine gelecekteki ihtiyaçlar için biriktirin” önerisinde bulundu. Altın, arsa veya Bireysel Emeklilik gibi alternatiflerle bu paranın değerinin korunabileceğini söyledi.

Kooperatif modeliyle küçükten büyüğe geçiş mümkün
Alkin, bireysel tasarrufların kolektif güce dönüştüğü kooperatif sistemlerinin özellikle düşük gelirli gruplar için umut verici olduğunu belirtti. “Küçük taksitlerle büyük yatırımlar yapılabilir” diyen Alkin, kooperatiflerin hem sosyal hem ekonomik destek sunduğunu aktardı.

Küçük hedefler büyük fark yaratır
Ekstra gelir elde etmek isteyen sabit maaşlıların eğlence ve lüks tüketimden kısmalarının önemli olduğunu vurgulayan Alkin, “Zorunlu birikim sistemleri, sizi istemeden de olsa tasarrufa iter. Emeklilik planları bu konuda iyi bir başlangıç olabilir” dedi. Her bireyin finansal geleceğini güvenceye alması gerektiğini belirtti.

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