{"id":2920,"date":"2024-11-25T16:23:20","date_gmt":"2024-11-25T16:23:20","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=2920"},"modified":"2025-06-13T09:08:34","modified_gmt":"2025-06-13T06:08:34","slug":"personal-budgeting-methods","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/personal-budgeting-methods\/","title":{"rendered":"\u0627\u0643\u062a\u0634\u0641 \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0639\u0628\u0631 \u0647\u0630\u0627 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u062a\u0641\u0627\u0639\u0644\u064a","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\r\n<p>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0647\u064a \u0627\u0644\u0645\u0641\u062a\u0627\u062d \u0644\u062a\u062d\u0642\u064a\u0642 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\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u062a\u0643 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\u060c \u0633\u062a\u062c\u062f \u0647\u0646\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0630\u064a \u062a\u062d\u062a\u0627\u062c\u0647 \u0644\u0644\u0627\u0646\u0637\u0644\u0627\u0642 \u0628\u062b\u0642\u0629 \u0646\u062d\u0648 \u0645\u064f\u0633\u062a\u0642\u0628\u0644 \u0645\u0627\u0644\u064a \u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u064b\u0627.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" class=\"wp-image-2922 aligncenter\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/1DzLcy-eUSIrUOLIAMv_vaw.jpg\" alt=\"\u0627\u0643\u062a\u0634\u0641 \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0639\u0628\u0631 \u0647\u0630\u0627 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u062a\u0641\u0627\u0639\u0644\u064a\" \/ width=\"1000\" height=\"667\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0639\u0646\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0641\u0643\u0650\u0631 \u0641\u064a\u0647\u0627 \u0645\u062b\u0644 \u0627\u0644\u062e\u0631\u064a\u0637\u0629<\/h2>\r\n\r\n\r\n\r\n<p>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u062a\u064f\u0634\u0628\u0647 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u0631\u062d\u0644\u0629 \u0628\u0631\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u062e\u064a\u0644 \u0623\u0646\u0643 \u062a\u0646\u0637\u0644\u0642 \u0641\u064a \u0631\u062d\u0644\u0629 \u0648\u0644\u062f\u064a\u0643 \u0643\u0645\u064a\u0629 \u0645\u064f\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0648\u0642\u0648\u062f (\u062f\u062e\u0644\u0643) \u0644\u062a\u0648\u0635\u0644\u0643 \u0625\u0644\u0649 \u0648\u062c\u0647\u062a\u0643 (\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629). \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0647\u064a \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u0628\u0646\u064a\u0647\u0627\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u064f\u0648\u062c\u0647\u0643 \u0625\u0644\u0649 \u062a\u062e\u0635\u064a\u0635 \u0648\u0642\u0648\u062f\u0643 \u0628\u0634\u0643\u0644 \u0641\u0639\u064e\u0651\u0627\u0644 \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u062f\u0648\u0646 \u0646\u0641\u0627\u062f \u0627\u0644\u0648\u0642\u0648\u062f.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0645\u0627\u0630\u0627 \u062a\u064f\u0639\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u064f\u0647\u0645\u0629\u061f \u0647\u0630\u0627 \u0645\u062b\u0644 \u0627\u0644\u0633\u0624\u0627\u0644 \u0639\u0646 \u0633\u0628\u0628 \u062d\u0627\u062c\u062a\u0643 \u0625\u0644\u0649 \u062e\u0631\u064a\u0637\u0629. \u0628\u062f\u0648\u0646\u0647\u0627\u060c \u0642\u062f \u062a\u0636\u0644 \u0637\u0631\u064a\u0642\u0643\u060c \u0623\u0648 \u062a\u0633\u0644\u0643 \u0637\u0631\u0642\u064b\u0627 \u0623\u0637\u0648\u0644\u060c \u0623\u0648 \u062a\u0646\u062a\u0647\u064a \u0625\u0644\u0649 \u0645\u0643\u0627\u0646 \u0644\u0645 \u062a\u0643\u0646 \u062a\u0646\u0648\u064a \u0627\u0644\u0630\u0647\u0627\u0628 \u0625\u0644\u064a\u0647 \u0623\u0628\u062f\u064b\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u0645\u0627\u0645\u064b\u0627 \u0643\u0645\u0627 \u062a\u0648\u0635\u0644\u0643 \u0627\u0644\u062e\u0631\u0627\u0626\u0637 \u0625\u0644\u0649 \u0648\u062c\u0647\u062a\u0643 \u0627\u0644\u0645\u064f\u0641\u0636\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629\u060c \u0641\u0625\u0646\u064e\u0651 \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u064a\u062a\u0639\u0644\u0642 \u0628\u0625\u064a\u062c\u0627\u062f \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u0623\u0648 \u0628\u0627\u0644\u0623\u062d\u0631\u0649\u060c \u0627\u0644\u0623\u0645\u0631 \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0642\u064a\u064a\u062f \u0645\u0627 \u064a\u064f\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u060c \u0628\u0644 \u0628\u0625\u0641\u0633\u0627\u062d \u0627\u0644\u0645\u062c\u0627\u0644 \u0644\u0645\u0627 \u0647\u0648 \u0645\u064f\u0647\u0645 \u0641\u064a \u062d\u064a\u0627\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0645\u0627 \u0647\u064a \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0643\u061f \u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0644\u0645\u0639\u0631\u0641\u0629 \u0630\u0644\u0643<\/h2>\r\n\r\n\r\n\r\n<p>\u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0637\u0631\u064a\u0642\u0629 \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0643\u060c \u0642\u0645\u0646\u0627 \u0628\u062a\u0637\u0648\u064a\u0631 \u0627\u062e\u062a\u0628\u0627\u0631 \u0644\u062a\u0632\u0648\u064a\u062f\u0643 \u0628\u062a\u0648\u0635\u064a\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0623\u0647\u062f\u0627\u0641\u0643 \u0648\u062a\u0648\u0627\u0641\u0631\u0643 \u0648\u0631\u0627\u062d\u062a\u0643 \u0645\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0622\u0646\u060c \u062b\u0645 \u062a\u0627\u0628\u0639 \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u062d\u0648\u0644 \u0637\u0631\u0642 \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u064f\u062d\u062f\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u0648\u0635\u064a \u0628\u0647\u0627 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631.<\/p>\r\n\r\n\r\n\r\n<div class=\"quiz-container\" style=\"border: 1px solid #ccc; padding: 20px; border-radius: 8px; width: 100%; max-width: 500px; margin: auto; font-family: Arial, sans-serif;\">\r\n<p class=\"headline\" style=\"font-size: 18px; font-weight: bold; text-align: center; margin-bottom: 10px;\">\u0627\u0643\u062a\u0634\u0641 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0643<\/p>\r\n<p style=\"text-align: center; font-size: 14px; margin-bottom: 20px;\">\u0623\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0644\u0645\u0639\u0631\u0641\u0629 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u0627\u0633\u0628 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643.<\/p>\r\n<div id=\"question1\">\r\n<p>1. \u0647\u0644 \u062a\u062c\u062f \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u062a\u062d\u0643\u0645 \u0628\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0645\u062b\u0644 \u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u0637\u0639\u0627\u0645 \u0641\u064a \u0627\u0644\u062e\u0627\u0631\u062c \u0648\u0627\u0644\u062a\u0631\u0641\u064a\u0647\u061f<\/p>\r\n<div style=\"text-align: center;\"><button style=\"margin: 5px; padding: 8px 16px; background-color: #007bff; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0646\u0639\u0645<\/button> <button style=\"margin: 5px; padding: 8px 16px; background-color: #6c757d; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0644\u0627<\/button><\/div>\r\n<\/div>\r\n<div id=\"question2\">\r\n<p>2. \u0647\u0644 \u062a\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u062a\u0642\u062f\u0645 \u062a\u0642\u0633\u064a\u0645\u064b\u0627 \u0648\u0627\u0636\u062d\u064b\u0627 \u0644\u0641\u0626\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u061f<\/p>\r\n<div style=\"text-align: center;\"><button style=\"margin: 5px; padding: 8px 16px; background-color: #007bff; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0646\u0639\u0645<\/button> <button style=\"margin: 5px; padding: 8px 16px; background-color: #6c757d; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0644\u0627<\/button><\/div>\r\n<\/div>\r\n<div id=\"question3\">\r\n<p>3. \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u0644\u062a\u062d\u0642\u064a\u0642\u0647\u0627\u061f<\/p>\r\n<div style=\"text-align: center;\"><button style=\"margin: 5px; padding: 8px 16px; background-color: #007bff; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0623\u0642\u0644 \u0645\u0646 \u0647\u062f\u0641<\/button> <button style=\"margin: 5px; padding: 8px 16px; background-color: #6c757d; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0623\u0643\u062b\u0631 \u0645\u0646 \u0647\u062f\u0641<\/button><\/div>\r\n<\/div>\r\n<div id=\"question4\">\r\n<p>4. \u0647\u0644 \u062a\u0641\u0636\u0644 \u0646\u0647\u062c\u064b\u0627 \u0639\u0645\u0644\u064a\u064b\u0627 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u061f<\/p>\r\n<div style=\"text-align: center;\"><button style=\"margin: 5px; padding: 8px 16px; background-color: #007bff; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0646\u0639\u0645<\/button> <button style=\"margin: 5px; padding: 8px 16px; background-color: #6c757d; color: #fff; border: none; border-radius: 4px; cursor: pointer;\">\u0644\u0627<\/button><\/div>\r\n<\/div>\r\n<div id=\"result\" style=\"text-align: center;\">\r\n<p id=\"result-message\" style=\"font-size: 16px; font-weight: bold; margin-top: 20px;\">\u00a0<\/p>\r\n<\/div>\r\n<\/div>\r\n<p>function nextQuestion(answer, questionNumber) { document.getElementById(`question${questionNumber}`).style.display = &#8216;none&#8217;; const nextQuestion = document.getElementById(`question${questionNumber + 1}`); if (nextQuestion) { nextQuestion.style.display = &#8216;block&#8217;; } else { const result = document.getElementById(&#8216;result&#8217;); result.style.display = &#8216;block&#8217;; document.getElementById(&#8216;result-message&#8217;).innerText = &#8216;\u062a\u0647\u0627\u0646\u064a\u0646\u0627! \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0625\u062c\u0627\u0628\u0627\u062a\u0643\u060c \u0647\u0630\u0647 \u0647\u064a \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u062b\u0644\u0649 \u0644\u0625\u062f\u0627\u0631\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643.&#8217;; } }<\/p>\r\n\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0646\u0638\u0631\u0629 \u0639\u0627\u0645\u0629 \u0639\u0644\u0649 \u0637\u0631\u0642 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0646\u0646\u0627\u0642\u0634\u0647\u0627 \u0623\u062f\u0646\u0627\u0647:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li><strong>\u0645\u064a\u0632\u0627\u0646\u064a\u0629 50\/30\/20<\/strong>. \u062a\u0645 \u062a\u0635\u0645\u064a\u0645 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0628\u0633\u0627\u0637\u0629 \u0648\u0627\u0644\u062a\u0648\u0627\u0632\u0646\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u062e\u0635\u064a\u0635 50% \u0645\u0646 \u0627\u0644\u062f\u062e\u0644 \u0644\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u060c \u0648 30% \u0644\u0644\u0631\u063a\u0628\u0627\u062a\u060c \u0648 20% \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0623\u0648 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0645\u064a\u0632\u0627\u0646\u064a\u0629 70\/20\/10<\/strong>. \u062a\u064f\u0634\u0628\u0647 \u0637\u0631\u064a\u0642\u0629 50\/30\/20\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0633\u0645\u062d \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0639\u0644\u0649 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629. \u062a\u0642\u062a\u0631\u062d \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u062a\u062e\u0635\u064a\u0635 70% \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0634\u0629\u060c \u0648 20% \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0648 10% \u0644\u0644\u062f\u064a\u0648\u0646 \u0623\u0648 \u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a \u0627\u0644\u062e\u064a\u0631\u064a\u0629.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u063a\u0644\u0641\u0627\u062a<\/strong>. \u0637\u0631\u064a\u0642\u0629 \u0625\u0639\u062f\u0627\u062f \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u0644\u0645\u0648\u0633\u0629 \u0648\u0645\u0631\u0626\u064a\u0629 \u0648\u0641\u0639\u0651\u0627\u0644\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u060c \u064a\u062a\u0636\u0645\u0646 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u063a\u0644\u0641\u0627\u062a (\u064a\u064f\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u063a\u0644\u0641\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629) \u062a\u0642\u0633\u064a\u0645 \u0631\u0627\u062a\u0628\u0643 \u0627\u0644\u0634\u0647\u0631\u064a \u0623\u0648 \u062c\u0632\u0621 \u0645\u0646\u0647 \u0639\u0644\u0649 \u0645\u063a\u0644\u0641\u0627\u062a \u0648\u0631\u0642\u064a\u0629\u060c \u062d\u064a\u062b \u062a\u0642\u0648\u0645 \u0628\u062a\u062e\u0635\u064a\u0635 \u0645\u0628\u0644\u063a \u0645\u064f\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u0643\u0644 \u0641\u0626\u0629 \u0645\u0646 \u0641\u0626\u0627\u062a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u062b\u0645 \u0648\u0636\u0639\u0647\u0627 \u0641\u064a \u0645\u063a\u0644\u0641\u0627\u062a \u0648\u0631\u0642\u064a\u0629 \u0644\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0634\u0647\u0631\u064a \u0648\u062a\u0633\u0645\u064a\u0629 \u0643\u0644 \u0645\u063a\u0644\u0641 \u062d\u0633\u0628 \u0641\u0626\u0629 \u0627\u0644\u0625\u0646\u0641\u0627\u0642.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0627\u062f\u0641\u0639 \u0644\u0646\u0641\u0633\u0643 \u0623\u0648\u0644\u0627\u064b<\/strong> (\u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629). \u062a\u0639\u0637\u064a \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062e\u0635\u064a\u0635 \u062c\u0632\u0621 \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0623\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0642\u0628\u0644 \u0627\u0644\u0646\u0638\u0631 \u0641\u064a \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629<\/strong>. \u0646\u0647\u062c \u062a\u0641\u0635\u064a\u0644\u064a \u0648\u0627\u0633\u062a\u0628\u0627\u0642\u064a \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u062e\u0635\u064a\u0635 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u062f\u062e\u0644 \u0644\u0646\u0641\u0642\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0623\u0648 \u0641\u0626\u0629 \u0627\u062f\u062e\u0627\u0631\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0646\u064e\u0651 \u0627\u0644\u062f\u062e\u0644 \u0646\u0627\u0642\u0635 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u064a\u0633\u0627\u0648\u064a \u0635\u0641\u0631\u064b\u0627.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u064f\u0645\u0643\u0646\u0643 \u0625\u0639\u062f\u0627\u062f\u0647\u0627 \u0628\u0646\u0641\u0633\u0643<\/strong>. \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u064a\u064f\u0641\u0636\u0644\u0648\u0646 \u0627\u0644\u062a\u062d\u0643\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u060c \u062a\u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u062a\u062a\u0628\u0639 \u0627\u0644\u062f\u062e\u0644 \u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a \u064a\u062f\u0648\u064a\u064b\u0627 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0642\u0644\u0645 \u0648\u0627\u0644\u0648\u0631\u0642 \u0623\u0648 \u062c\u062f\u0627\u0648\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645<\/strong>. \u0646\u0647\u062c \u0645\u0631\u0646 \u0648\u0645\u064f\u062e\u0635\u0635 \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u064a\u064f\u062e\u0635\u0635 \u0627\u0644\u062f\u062e\u0644 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645 \u0648\u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0627\u062a \u0627\u0644\u0641\u0631\u062f\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0633\u0645\u062d \u0628\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0646\u0633\u0628 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0627\u0644\u0645\u064f\u062e\u0635\u0635\u0629.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">#1. \u0645\u064a\u0632\u0627\u0646\u064a\u0629 50\/30\/20<\/h2>\r\n\r\n\r\n\r\n<p>\u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 <a href=\"https:\/\/www.dztecs.com\/money\/how-much-house-can-i-afford\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0642\u0627\u0639\u062f\u0629 50\/30\/20<\/a>\u060c \u064a\u064f\u0645\u0643\u0646\u0643 \u062a\u062e\u0635\u064a\u0635 50% \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0640 \u201c\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u201d\u060c \u0648\u0647\u064a \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u064f\u0645\u0643\u0646\u0643 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647\u0627 (\u0645\u062b\u0644 \u0627\u0644\u0633\u0643\u0646 \u0648\u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0648\u0627\u0644\u0645\u0631\u0627\u0641\u0642). \u062b\u0645 \u064a\u062a\u0645 \u062a\u062e\u0635\u064a\u0635 30% \u0644\u0640 \u201c\u0627\u0644\u0631\u063a\u0628\u0627\u062a\u201d\u060c \u0648\u0647\u064a \u062a\u0644\u0643 \u0627\u0644\u0625\u0636\u0627\u0641\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 (\u0648\u063a\u064a\u0631 \u0627\u0644\u0635\u063a\u064a\u0631\u0629) \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 \u0627\u0644\u062d\u064a\u0627\u0629 \u0645\u064f\u0645\u062a\u0639\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u0631\u0641\u064a\u0647 \u0648\u0627\u0644\u0647\u0648\u0627\u064a\u0627\u062a. \u064a\u062a\u0645 \u062a\u062e\u0635\u064a\u0635 20% \u0627\u0644\u0645\u064f\u062a\u0628\u0642\u064a\u0629 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0645\u0645\u0627 \u064a\u064f\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0628\u0644\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u0646\u064e\u0651 \u062c\u0645\u0627\u0644 \u0637\u0631\u064a\u0642\u0629 50\/30\/20 \u064a\u0643\u0645\u0646 \u0641\u064a \u0628\u0633\u0627\u0637\u062a\u0647\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u0646\u0647\u0627 \u062a\u064f\u0642\u062f\u0645 \u0625\u0637\u0627\u0631\u064b\u0627 \u0631\u0641\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u064a\u064e\u0633\u0647\u0644 \u0641\u0647\u0645\u0647\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u0646\u0642\u0637\u0629 \u0628\u062f\u0627\u064a\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u0644\u0645\u064f\u0628\u062a\u062f\u0626\u064a\u0646 \u0641\u064a \u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 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class=\"wp-block-quote quote-light is-layout-flow wp-block-quote quote-light-is-layout-flow\">\r\n<p><strong>\u0631\u0623\u064a\u0646\u0627<\/strong>: \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u063a\u0644\u0641\u0627\u062a \u0645\u0646\u0647\u062c\u064a\u0629 \u0642\u0648\u064a\u0629 \u0644\u0644\u062d\u062f \u0645\u0646 \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0648\u062e\u0627\u0635\u0629\u064b \u0639\u0646\u062f \u062a\u0637\u0628\u064a\u0642\u0647 \u0639\u0644\u0649 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u064f\u062a\u063a\u064a\u0650\u0651\u0631\u0629. \u0625\u0646\u0647\u0627 \u0637\u0631\u064a\u0642\u0629 \u0645\u064f\u0645\u062a\u0627\u0632\u0629 \u0644\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0641\u064a \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u064f\u0639\u0627\u0646\u064a \u0645\u0646 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class=\"wp-block-heading\">#4. \u0627\u062f\u0641\u0639 \u0644\u0646\u0641\u0633\u0643 \u0623\u0648\u0644\u0627\u064b (\u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629)<\/h2>\r\n\r\n\r\n\r\n<p>\u0625\u0646\u064e\u0651 \u0637\u0631\u064a\u0642\u0629 \u0627\u062f\u0641\u0639 \u0627\u0644\u0645\u0627\u0644 \u0644\u0646\u0641\u0633\u0643 \u0623\u0648\u0644\u0627\u064b (\u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629 \u0623\u0648 \u0627\u062f\u0641\u0639 \u0623\u0647\u062f\u0627\u0641\u0643 \u0623\u0648\u0644\u0627\u064b) \u0647\u064a \u0639\u0646\u062f\u0645\u0627 \u062a\u0642\u0648\u0645 \u0628\u062a\u0645\u0648\u064a\u0644 \u0623\u0647\u062f\u0627\u0641\u0643 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\u0648\u0625\u0630\u0627 \u0643\u0627\u0646 \u062f\u062e\u0644\u0643 \u064a\u062e\u062a\u0644\u0641\u200a\u2014\u200a\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0644\u0623\u0646\u0643 <a href=\"https:\/\/www.dztecs.com\/money\/freelance-writing-niches\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0639\u0627\u0645\u0644 \u0645\u064f\u0633\u062a\u0642\u0644<\/a> \u0623\u0648 \u0639\u0627\u0645\u0644 \u0645\u064f\u062a\u0639\u0627\u0642\u062f \u064a\u062a\u0642\u0627\u0636\u0649 \u0623\u062c\u0631\u0647 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u063a\u064a\u0631 \u0645\u064f\u0646\u062a\u0638\u0645\u200a\u2014\u200a\u0641\u0642\u062f \u062a\u064f\u0635\u0628\u062d \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0645\u064f\u0631\u0647\u0642\u0629 \u0644\u0644\u063a\u0627\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639\u0647\u0627.<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote quote-light is-layout-flow wp-block-quote quote-light-is-layout-flow\">\r\n<p><strong>\u0631\u0623\u064a\u0646\u0627<\/strong>: \u0625\u0646\u064e\u0651 \u062f\u0641\u0639 \u0627\u0644\u0645\u0627\u0644 \u0644\u0646\u0641\u0633\u0643 \u0623\u0648\u0644\u0627\u064b \u0647\u0648 \u0637\u0631\u064a\u0642\u0629 \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u064f\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u0644\u0623\u064a \u0634\u062e\u0635 \u0644\u062f\u064a\u0647 \u062f\u062e\u0644 \u062b\u0627\u0628\u062a \u0648\u064a\u064f\u0646\u0641\u0642 \u0623\u0642\u0644 \u0645\u0645\u0627 \u064a\u0643\u0633\u0628\u0647 \u0643\u0644 \u0634\u0647\u0631\u060c \u0648\u064a\u064f\u0631\u064a\u062f \u0623\u0646 \u064a\u064f\u0646\u0641\u0642 \u0628\u062d\u0631\u064a\u0629 \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646\u064e\u0651 \u0623\u0647\u062f\u0627\u0641\u0647 \u064a\u062a\u0645 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0647\u0627.<\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">#5. \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629<\/h2>\r\n\r\n\r\n\r\n<p>\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 (\u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645 \u062e\u0637\u0629 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u064f\u062e\u0635\u0635\u0629) \u0647\u064a \u0637\u0631\u064a\u0642\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u062f\u0642\u064a\u0642\u0629 \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u062e\u0635\u064a\u0635 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0641\u0626\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a.<\/p>\r\n\r\n\r\n\r\n<p>\u0643\u0645\u0627 \u064a\u064f\u0645\u0643\u0646\u0643 \u0623\u0646 \u062a\u062a\u062e\u064a\u0644\u060c \u064a\u062a\u0637\u0644\u0628 \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c \u062a\u062e\u0637\u064a\u0637\u064b\u0627 \u0645\u062f\u0631\u0648\u0633\u064b\u0627 \u0648\u0641\u0647\u0645\u064b\u0627 \u0648\u0627\u0636\u062d\u064b\u0627 \u0644\u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u062a\u0645\u062b\u0644 \u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 \u0641\u064a \u0637\u0628\u064a\u0639\u062a\u0647\u0627 \u0627\u0644\u0645\u064f\u0648\u062c\u0647\u0629 \u0644\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0648\u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0642\u0635\u062f \u0627\u0644\u062a\u064a \u062a\u064f\u0634\u062c\u0639\u0647\u0627. \u0625\u0646\u0647\u0627 \u0645\u062b\u0627\u0644\u064a\u0629 \u0644\u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u063a\u0628\u0648\u0646 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0634\u0624\u0648\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062e\u0637\u0629 \u0648\u0627\u0636\u062d\u0629\u060c \u062a\u0639\u0645\u0644 \u0643\u062e\u0631\u064a\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0645\u0643\u0627\u0646 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631.<\/p>\r\n\r\n\r\n\r\n<p>\u0628\u0627\u0644\u0637\u0628\u0639\u060c \u0625\u0646\u0647\u0627 \u062a\u0633\u062a\u063a\u0631\u0642 \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0637\u0631\u0642 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649\u060c \u0648\u062a\u062a\u0637\u0644\u0628 \u062a\u062a\u0628\u0639\u064b\u0627 \u0648\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0645\u064f\u0646\u062a\u0638\u0645\u0629. \u0643\u0645\u0627 \u0623\u0646\u0647\u0627 \u0635\u0627\u0631\u0645\u0629 \u0625\u0644\u0649 \u062d\u062f \u0645\u0627 \u0648\u0642\u062f \u0644\u0627 \u062a\u0633\u062a\u0648\u0639\u0628 \u0628\u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u064f\u062a\u0648\u0642\u0639\u0629\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u064f\u0633\u0628\u0628 \u0627\u0644\u062a\u0648\u062a\u0631. \u0644\u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0628\u0627\u0628\u060c \u062a\u064f\u0639\u062f\u064f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 \u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u064f\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0623\u0633\u0631.<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote quote-light is-layout-flow wp-block-quote quote-light-is-layout-flow\">\r\n<p><strong>\u0631\u0623\u064a\u0646\u0627<\/strong>: \u062a\u064f\u062c\u0628\u0631\u0643 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0645\u064f\u0645\u062a\u0627\u0632\u064b\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0639\u064a\u0634 \u0645\u0646 \u0631\u0627\u062a\u0628 \u0625\u0644\u0649 \u0631\u0627\u062a\u0628. \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f\u060c \u0625\u0646\u0647\u0627 \u0645\u064f\u0643\u062b\u0641\u0629\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0644\u0641\u062a \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647 \u0625\u0644\u0649 \u0627\u0644\u062a\u0633\u0631\u064a\u0628\u0627\u062a \u0641\u064a \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643. \u062d\u062a\u0649 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0644\u062a\u0632\u0645 \u0628\u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 \u0644\u0641\u062a\u0631\u0629 \u0642\u0635\u064a\u0631\u0629 \u0641\u0642\u0637 (\u0645\u062b\u0644 \u0633\u062a\u0629 \u0625\u0644\u0649 12 \u0634\u0647\u0631\u064b\u0627)\u060c \u0641\u064a\u064f\u0645\u0643\u0646\u0647\u0627 \u062a\u062d\u0633\u064a\u0646 \u0648\u0639\u064a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0623\u0641\u0636\u0644 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631. \u0641\u0643\u0631 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0627\u0629 \u0645\u062b\u0644 \u062a\u0637\u0628\u064a\u0642 <a href=\"https:\/\/www.dztecs.com\/money\/debt-payoff-apps\/\" target=\"_blank\" rel=\"noreferrer noopener\">You Need a Budget<\/a> \u0644\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0641\u0643\u0631 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c\u061b \u062a\u0645 \u062a\u0635\u0645\u064a\u0645 YNAB \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0628\u0623\u0643\u0645\u0644\u0647\u0627 \u0623\u0643\u062b\u0631 \u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u0625\u062f\u0627\u0631\u0629.<\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">#6. \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0628\u0647\u0627 \u0628\u0646\u0641\u0633\u0643<\/h2>\r\n\r\n\r\n\r\n<p>\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0628\u0647\u0627 \u0628\u0646\u0641\u0633\u0643 \u0648\u0627\u0636\u062d\u0629 \u0643\u0645\u0627 \u062a\u0628\u062f\u0648. \u0643\u0644 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c\u0647 \u0647\u0648 \u0642\u0644\u0645 \u0648\u0648\u0631\u0642\u0629 (\u0623\u0648 \u062c\u062f\u0648\u0644 \u0628\u064a\u0627\u0646\u0627\u062a)\u060c \u0644\u062a\u0633\u062c\u064a\u0644 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643. \u064a\u064f\u0645\u0643\u0646\u0643 \u062a\u0635\u0646\u064a\u0641 \u0643\u0644 \u0645\u062f\u062e\u0648\u0644 \u0648\u062d\u0633\u0627\u0628 \u0627\u0644\u0641\u0631\u0648\u0642 \u0628\u064a\u0646 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643 \u0644\u062a\u062a\u0628\u0639 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u0646\u064e\u0651 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0628\u0646\u0641\u0633\u0643 \u0647\u0648 \u0627\u0644\u062d\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u064a \u0644\u0643\u0644 \u0645\u0646 \u064a\u064f\u0641\u0636\u0644 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0639\u0645\u0644\u064a. \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u064f\u0631\u062a\u0627\u062d\u064b\u0627 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062c\u062f\u0627\u0648\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0641\u0625\u0646\u064e\u0651 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u062a\u064f\u0648\u0641\u0631 \u0645\u0633\u062a\u0648\u0649 \u0639\u0627\u0644\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u062e\u0635\u064a\u0635. \u064a\u064f\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u0633\u0627\u0639\u062f\u0643 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062c\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0628\u062f\u0621\u060c \u0648\u064a\u0645\u0643\u0646 \u062a\u062e\u0635\u064a\u0635\u0647\u0627 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u0634\u0645\u0644 \u0639\u064a\u0648\u0628 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0623\u0646\u0647\u0627 \u0645\u064f\u0645\u0644\u0629 \u0648\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062d\u062f\u0648\u062b \u0623\u062e\u0637\u0627\u0621 \u0645\u064f\u0631\u062a\u0641\u0639\u0629. \u0633\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a\u0643 \u062a\u0633\u062c\u064a\u0644 \u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629 \u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u062f\u0642\u0629\u060c \u0648\u0644\u0623\u0646\u0647\u0627 \u0644\u064a\u0633\u062a \u0622\u0644\u064a\u0629 \u0639\u0628\u0631 <a href=\"https:\/\/www.dztecs.com\/money\/personal-finance-apps\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629<\/a>\u060c \u0641\u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u062a\u0641\u0648\u064a\u062a \u0645\u0639\u0627\u0645\u0644\u0629 \u0623\u0648 \u0627\u062b\u0646\u062a\u064a\u0646.<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote quote-light is-layout-flow wp-block-quote quote-light-is-layout-flow\">\r\n<p><strong>\u0631\u0623\u064a\u0646\u0627<\/strong>: \u0637\u0631\u064a\u0642\u0629 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0628\u0646\u0641\u0633\u0643 \u0647\u064a \u0637\u0631\u064a\u0642\u0629 \u0639\u0645\u0644\u064a\u0629 \u0644\u062a\u0648\u0639\u064a\u0629 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u062a\u064f\u0634\u062c\u0639\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0645\u0631\u062a\u064a\u0646 \u0641\u064a \u0625\u0646\u0641\u0627\u0642\u0643\u060c \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646\u0647 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\u0625\u0630\u0627 \u0641\u0634\u0644\u062a \u0641\u064a \u0645\u0631\u0627\u0639\u0627\u0629 \u0647\u0630\u0647 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u064a\u0648\u0645\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u0646\u062f\u0645 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644.<\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote quote-light is-layout-flow wp-block-quote quote-light-is-layout-flow\">\r\n<p><strong>\u0631\u0623\u064a\u0646\u0627<\/strong>: \u062a\u0639\u0643\u0633 \u0637\u0631\u064a\u0642\u0629 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645 \u0623\u0633\u0644\u0648\u0628 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0623\u0641\u0636\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629<\/h2>\r\n\r\n\r\n\r\n<p>\u062a\u064f\u0642\u062f\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0637\u0631\u064a\u0642\u0629 \u0645\u064f\u0628\u0633\u0637\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062f\u062e\u0644 \u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a\u060c \u0648\u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u062a\u062a\u0628\u0639\u060c \u0648\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0633\u0644\u0648\u0643\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u062a\u0644\u0642\u064a \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0648\u0625\u0646\u0634\u0627\u0621 \u062a\u0642\u0627\u0631\u064a\u0631 \u0634\u0627\u0645\u0644\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0645\u0646 \u0623\u0641\u0636\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u064f\u062a\u0627\u062d\u0629 \u0627\u0644\u064a\u0648\u0645:<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li><strong>Empower<\/strong>. \u062a\u0637\u0628\u064a\u0642 \u0645\u062c\u0627\u0646\u064a \u064a\u062a\u0635\u0644 \u0628\u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u060c \u0645\u0645\u0627 \u064a\u064f\u0648\u0641\u0631 \u0646\u0638\u0631\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u0645\u0648\u0642\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a. \u064a\u062a\u062a\u0628\u0639 \u0627\u0644\u062f\u062e\u0644 \u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0648\u0635\u0627\u0641\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0648\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u062d\u0641\u0638\u0629. \u0643\u0645\u0627 \u064a\u064f\u0648\u0641\u0631 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0648\u0645\u062e\u0637\u0637 \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u060c \u0648\u0645\u062d\u0644\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0634\u0627\u0631\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0646\u0635\u0627\u0626\u062d \u0623\u0643\u062b\u0631 \u062a\u062e\u0635\u064a\u0635\u064b\u0627.<\/li>\r\n\r\n\r\n\r\n<li><strong>Mint<\/strong>. \u062a\u0637\u0628\u064a\u0642 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062c\u0627\u0646\u064a \u064a\u0631\u062a\u0628\u0637 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a\u0643\u060c \u0648\u064a\u062a\u062a\u0628\u0639 \u062f\u062e\u0644\u0643 \u0648\u0646\u0641\u0642\u0627\u062a\u0643 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627. \u064a\u064f\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0639\u0644\u0649 \u0625\u0646\u0634\u0627\u0621 \u0645\u064a\u0632\u0627\u0646\u064a\u0627\u062a \u0645\u064f\u062e\u0635\u0635\u0629 \u0648\u064a\u064f\u0642\u062f\u0645 \u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0644\u0644\u0631\u0633\u0648\u0645 \u063a\u064a\u0631 \u0627\u0644\u0639\u0627\u062f\u064a\u0629. \u062a\u062c\u0639\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u062e\u0637\u0637\u0627\u062a \u0633\u0647\u0644\u0629 \u0627\u0644\u0641\u0647\u0645 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u062a\u0635\u0648\u0631 \u0623\u064a\u0646 \u062a\u0630\u0647\u0628 \u0623\u0645\u0648\u0627\u0644\u0643.<\/li>\r\n\r\n\r\n\r\n<li>You Need A Budget. \u064a\u0639\u0645\u0644 YNAB \u0639\u0644\u0649 \u0646\u0645\u0648\u0630\u062c \u0645\u062f\u0641\u0648\u0639\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0635\u0641\u0631\u064a\u0629 (\u062d\u064a\u062b \u064a\u0643\u0648\u0646 \u0644\u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0648\u0638\u064a\u0641\u0629). \u064a\u064f\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0639\u0644\u0649 \u062a\u062e\u0635\u064a\u0635 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u062f\u062e\u0644 \u0644\u0641\u0626\u0629 \u0645\u064f\u0639\u064a\u0646\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642. \u0643\u0645\u0627 \u064a\u064f\u0648\u0641\u0631 \u0645\u064a\u0632\u0627\u062a \u0645\u062b\u0644 \u062a\u062a\u0628\u0639 \u0627\u0644\u0623\u0647\u062f\u0627\u0641\u060c \u0648\u062e\u0637\u0637 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062a\u0641\u0635\u064a\u0644\u064a\u0629 \u0648\u0648\u0631\u0634 \u0627\u0644\u0639\u0645\u0644 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0645\u064f\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0639\u0644\u0649 \u0641\u0647\u0645 \u0634\u0624\u0648\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u0623\u0641\u0636\u0644.<\/li>\r\n\r\n\r\n\r\n<li><strong>Rocket Money<\/strong>. \u064a\u064f\u0648\u0641\u0631 \u0648\u0627\u062c\u0647\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u0628\u062f\u064a\u0647\u064a\u0629 \u0644\u062a\u062a\u0628\u0639 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u062f\u0648\u0646 \u0625\u0639\u0644\u0627\u0646\u0627\u062a \u0645\u0632\u0639\u062c\u0629. \u062a\u0645 \u062a\u0635\u0645\u064a\u0645\u0647 \u0644\u0625\u0628\u0642\u0627\u0626\u0643 \u0639\u0644\u0649 \u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0634\u0624\u0648\u0646\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0633\u0647\u0648\u0644\u0629. \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0643\u0648\u0646\u0647 \u062a\u0637\u0628\u064a\u0642\u064b\u0627 \u0645\u062c\u0627\u0646\u064a\u064b\u0627\u060c \u0641\u0625\u0646\u064e\u0651 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0627\u0644\u062e\u0627\u0635 \u0628\u062a\u0637\u0628\u064a\u0642 Rocket Money \u064a\u062a\u0636\u0645\u0646 \u062a\u0631\u0642\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0625\u0644\u0649 \u062e\u0637\u0629 \u0645\u062f\u0641\u0648\u0639\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631. \u064a\u064f\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0623\u062f\u0627\u0629 \u0642\u064a\u0645\u0629 \u0644\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u063a\u064a\u0631 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0648\u062a\u0628\u0633\u064a\u0637 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0647\u0645.<\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0623\u0641\u0636\u0644 \u0637\u0631\u0642 \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629: \u0627\u0644\u0645\u0644\u062e\u0635 \u0648\u0627\u0644\u0623\u0641\u0643\u0627\u0631 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629<\/h2>\r\n\r\n\r\n\r\n<p>\u062a\u0630\u0643\u0631 \u0623\u0646\u064e\u0651 <a href=\"https:\/\/www.dztecs.com\/money\/retire-in-your-30s\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629<\/a> \u0647\u0648 \u0645\u064f\u0645\u0627\u0631\u0633\u0629. \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0633\u064a\u0631 \u0643\u0644 \u0634\u064a\u0621 \u0641\u064a \u0645\u0643\u0627\u0646\u0647 \u0627\u0644\u0635\u062d\u064a\u062d \u0641\u064a \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0623\u0648\u0644. \u0633\u062a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0639\u0642\u0628\u0627\u062a \u0648\u0623\u062e\u0637\u0627\u0621 \u0639\u0644\u0649 \u0637\u0648\u0644 \u0627\u0644\u0637\u0631\u064a\u0642\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0647\u062f\u0641 \u0647\u0648 \u0627\u0644\u062a\u0639\u0644\u0645 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0648\u062a\u0639\u062f\u064a\u0644 \u0645\u0633\u0627\u0631\u0643 \u0648\u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u0645\u0636\u064a \u0642\u062f\u0645\u064b\u0627.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0630\u0627\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 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&hellip;<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":4,"featured_media":9305,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,103],"tags":[],"class_list":["post-2920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment-finance","category-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0627\u0643\u062a\u0634\u0641 \u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0639\u0628\u0631 \u0647\u0630\u0627 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u062a\u0641\u0627\u0639\u0644\u064a<\/title>\n<meta name=\"description\" content=\"\u0625\u062f\u0627\u0631\u0629 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