{"id":40587,"date":"2015-08-06T00:37:16","date_gmt":"2015-08-05T21:37:16","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=40587"},"modified":"2015-08-06T08:45:44","modified_gmt":"2015-08-06T05:45:44","slug":"tuketim-harcamalarina-bakinca","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/tuketim-harcamalarina-bakinca\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; T\u00fcketim harcamalar\u0131na bak\u0131nca&#8230;"},"content":{"rendered":"<p><em><strong>B\u00fcy\u00fcklerimiz \u2018aslan yatt\u0131\u011f\u0131 yerden belli olur\u2019 deyip gittikleri yerin tuvaletine bakarlar ya, bir \u00fclkede ya\u015fayanlar\u0131n sa\u011flamas\u0131n\u0131 da ayn\u0131 mant\u0131ktan yola \u00e7\u0131karak harcamalar\u0131na bakarak anlars\u0131n\u0131z.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1937753877\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>Elbette devletin resmi rakamlar\u0131n\u0131n hi\u00e7bir inand\u0131r\u0131c\u0131l\u0131\u011f\u0131 kalmad\u0131\u011f\u0131n\u0131 ben de kabul ediyorum. Ama yine de bir e\u011filimi \u00f6l\u00e7mesi ad\u0131na fikir veriyor. O zaman T\u00dc\u0130K\u2019in a\u00e7\u0131klad\u0131\u011f\u0131 2014 y\u0131l\u0131 hane halk\u0131 harcamalar\u0131n\u0131 nas\u0131l okumak laz\u0131m?<\/p>\n<p>&nbsp;<\/p>\n<p>Sadece bir rakam ya da madde olarak g\u00f6rmezseniz \u00e7ok \u015fey anlat\u0131yor. Mesela en b\u00fcy\u00fck harcama kaleminin konut ve kirada olmas\u0131na bakal\u0131m. Oran\u0131 toplam harcamalar i\u00e7inde y\u00fczde 24,8\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Bu ekonomiyi in\u015faat \u00fczerine oturtup, insanlar\u0131 nas\u0131l bor\u00e7land\u0131rd\u0131\u011f\u0131m\u0131z\u0131n resmidir. D\u00fc\u015f\u00fcnebiliyor musunuz; bir ailenin giderleri i\u00e7inde en b\u00fcy\u00fck kalemi bar\u0131nma olu\u015fturuyor. G\u0131da ve alkols\u00fcz i\u00e7ecek ise y\u00fczde 19,7 ile ikinci s\u0131rada\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Konut sahibi olabilenin yine anla\u015f\u0131lacak bir yan\u0131 var. Kendi i\u00e7inde tasarruf yaparak ba\u015f\u0131n\u0131 bir \u00e7at\u0131n\u0131n alt\u0131na sokup, kira derdinden kurtulmak istiyor olabilir. Fakat bunu g\u0131das\u0131ndan ba\u015flayarak olmazsa olmaz t\u00fcketim maddelerinden keserek yap\u0131yor olmas\u0131 dramatik.<\/p>\n<p>&nbsp;<\/p>\n<p>Yine bu ba\u015fl\u0131\u011f\u0131n anlatt\u0131\u011f\u0131 bir ger\u00e7ek daha var. \u0130nsanlar kiras\u0131na ve borcuna sad\u0131k. Yetiyor yetmiyor ama gelirinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc kira da olsa, konut taksiti de olsa borcunu \u00f6demeye ay\u0131r\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>G\u0131daya gelirsek, o zaten dramatik bir durumda. Bug\u00fcnlerde s\u00fcre gelen et fiyatlar\u0131 tart\u0131\u015fmas\u0131ndan bile yola \u00e7\u0131ksan\u0131z \u2018ne ile besleniyor\u2019 sorusunun yan\u0131t\u0131, bu harcamaya ra\u011fmen bizi dramatik noktalara g\u00f6t\u00fcr\u00fcyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Yine 2014 verilerine bakt\u0131\u011f\u0131m\u0131zda \u00fczerinde uzun uzun d\u00fc\u015f\u00fcnmemiz gereken iki ba\u015fl\u0131k var. Toplam giderimizin sadece y\u00fczde 4,5\u2019unu sa\u011fl\u0131k ve e\u011fitime ay\u0131r\u0131yoruz. \u00a0Yani sa\u011fl\u0131ks\u0131z, e\u011fitimsiz beslenmek yerine t\u0131k\u0131nan ve s\u0131\u011f\u0131nacak bir dam arayan insanlar yuma\u011f\u0131 haline d\u00f6n\u00fc\u015fm\u00fc\u015f\u00fcz.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-534143465\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>Bir \u00fclkede insani geli\u015fmi\u015flik d\u00fczeyi olarak kabul edilen tiyatro, sinema, d\u0131\u015far\u0131da yemek yemek gibi aktivitelere kaynak ay\u0131ram\u0131yor olmam\u0131z ise \u00fczerinde uzun uzun d\u00fc\u015f\u00fcn\u00fclmesi gereken bir ger\u00e7ek olarak \u00f6n\u00fcm\u00fczde duruyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Hepsini alt alta koyun; t\u00fcketim ger\u00e7eklerine bak\u0131n; ilk\u00e7a\u011fdaki insanlar kalitesinde ve g\u00fcd\u00fclerinde ya\u015f\u0131yoruz. \u00dcstelik onlar kadar sa\u011fl\u0131kl\u0131 beslenemiyor; onlar kadar sa\u011flam yap\u0131larda bar\u0131nm\u0131yoruz. Belki ilaveten sa\u011fl\u0131k ve e\u011fitim harcamam\u0131z var; yerlerde s\u00fcr\u00fcnse de\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Bir de hesaplar ayl\u0131k hane ba\u015f\u0131na 2 bin 848 TL harcand\u0131\u011f\u0131 ortalamas\u0131 \u00fczerinden yorumlan\u0131yor. Asgari \u00fccretin net bin TL oldu\u011fu (asl\u0131nda gelir vergisi diliminde s\u0131n\u0131r\u0131 a\u015ft\u0131\u011f\u0131 i\u00e7in 30 TL kesintiyle 970 TL ediyor), yine T\u00dc\u0130K\u2019in a\u00e7\u0131klamalar\u0131na g\u00f6re n\u00fcfusun y\u00fczde 22,4\u2019\u00fc yoksulluk s\u0131n\u0131r\u0131n\u0131n alt\u0131nda ya\u015fad\u0131\u011f\u0131, \u00e7ocuklu ailelerin daha da yoksul oldu\u011fu T\u00dc\u0130K taraf\u0131ndan s\u00f6ylenirken 3 \u00e7ocuk istendi\u011fi \u00fclke foto\u011fraf\u0131 i\u00e7inde bunu konu\u015fuyoruz.<\/p>\n<p>&nbsp;<\/p>\n<p>Yine ara\u015ft\u0131rmalara g\u00f6re en zengin y\u00fczde 20 ile, en fakir y\u00fczde 20 aras\u0131ndaki fark\u0131n 8 kat oldu\u011fu, gelir u\u00e7urumunun ya\u015fand\u0131\u011f\u0131 \u00fclkenin ortalamas\u0131n\u0131 konu\u015fuyoruz. Bir ilave daha\u2026 \u015eu en \u00e7ok gider olan kalem var ya konut ya da kira\u2026<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4245410992\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>Kira ise zaten bor\u00e7, konut ise o bor\u00e7 bitene kadar zaten borcu \u00f6deyene ait olmayan ve aksat\u0131rsa elinden al\u0131n\u0131p, borcu \u00f6n\u00fcne konulacak bir evle\u015fme ger\u00e7e\u011fini de unutmamak gerekiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6zet mi? E\u011fer elimize para ge\u00e7iyorsa ve onu devlete g\u00f6re harc\u0131yorsak, bar\u0131nma ve t\u0131k\u0131nma ile ge\u00e7inip gidiyor; televizyonu a\u00e7\u0131p k\u00fclt\u00fcrel faaliyetlerimizi yar\u0131\u015fma programlar\u0131ndan, e\u011fitimimizi de dizilerden ediniyoruz. Daha ne olsun? Bence ge\u00e7mi\u015f olsun.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u00fcy\u00fcklerimiz \u2018aslan yatt\u0131\u011f\u0131 yerden belli olur\u2019 deyip gittikleri yerin tuvaletine bakarlar ya, bir \u00fclkede ya\u015fayanlar\u0131n sa\u011flamas\u0131n\u0131 da ayn\u0131 mant\u0131ktan yola \u00e7\u0131karak harcamalar\u0131na bakarak anlars\u0131n\u0131z. &nbsp;&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"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,"footnotes":""},"categories":[1],"tags":[904,808,801],"class_list":["post-40587","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/40587","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=40587"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/40587\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=40587"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=40587"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=40587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}