{"id":6719,"date":"2024-10-23T06:44:57","date_gmt":"2024-10-23T03:44:57","guid":{"rendered":"https:\/\/qsalary.com\/?p=6719"},"modified":"2025-04-03T07:55:59","modified_gmt":"2025-04-03T04:55:59","slug":"financial-goals-setting","status":"publish","type":"post","link":"https:\/\/qsalary.com\/ar\/blog\/financial-goals-setting\/","title":{"rendered":"\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a"},"content":{"rendered":"<p>\u0625\u0646\u0651\u064e <b>\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a<\/b> \u0633\u0648\u0627\u0621 \u0642\u0635\u064a\u0631\u0629 \u0623\u0648 \u0645\u062a\u0648\u0633\u0637\u0629 \u0623\u0648 \u0637\u0648\u064a\u0644\u0629 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f<\/b><\/h2>\n<p>\u0642\u062f \u064a\u062a\u0633\u0627\u0621\u0644 \u0627\u0644\u0628\u0639\u0636 \u0644\u0645\u0627\u0630\u0627 \u0646\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641\u061f \u0641\u064a \u0627\u0644\u062d\u0642\u064a\u0642\u0629 \u0646\u062d\u0646 \u0646\u062d\u062f\u062f \u0623\u0647\u062f\u0627\u0641\u0627\u064b \u0645\u0627\u0644\u064a\u0629 \u0644\u0623\u0646\u0651\u064e\u0647\u0627 \u062a\u0645\u062b\u0644 \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0623\u062d\u0644\u0627\u0645\u0646\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u062a\u0648\u0641\u0631 \u062a\u0644\u0643 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0648\u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0627\u0644\u0644\u0627\u0632\u0645\u064e\u064a\u0646 \u0644\u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0648\u0627\u0644\u0646\u0627\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0646\u0627 \u0623\u0643\u062b\u0631 \u0639\u0632\u0645\u0627\u064b \u0648\u0627\u0646\u0636\u0628\u0627\u0637\u0627\u064b \u0641\u064a <a href=\"https:\/\/qsalary.com\/ar\/blog\/personal-finance-management\/\">\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a>\u060c \u0648\u0623\u0643\u062b\u0631 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u064b \u0628\u0627\u0644\u062e\u0637\u0637 \u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0630\u0644\u0643\u061b \u0641\u0625\u0630\u0627 \u0648\u0636\u0639\u0646\u0627 \u0644\u0623\u0646\u0641\u0633\u0646\u0627 \u0623\u0647\u062f\u0627\u0641\u0627\u064b \u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0636\u062d\u0629\u060c \u0633\u064a\u0633\u0647\u0644 \u0639\u0644\u064a\u0646\u0627 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0635\u0627\u0626\u0628\u0629\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0647\u0645 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u062a\u0644\u0643 \u0627\u0644\u0623\u0647\u062f\u0627\u0641.<\/p>\n<p>\u0644\u0639\u0644\u0643 \u0623\u064a\u0636\u0627\u064b \u062a\u062a\u0633\u0627\u0626\u0644 \u0639\u0646 &#8220;\u0643\u064a\u0641 \u064a\u064f\u0635\u0628\u062d \u0647\u062f\u0641\u0643 \u0639\u0646\u062f \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u062d\u062f\u062f&#8221;\u060c \u0644\u0630\u0644\u0643 \u062f\u0639\u0646\u0627 \u0646\u0648\u0636\u062d\u0647 \u0644\u0643 \u0641\u064a \u0627\u0644\u0633\u0637\u0648\u0631 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0648\u0628\u0643\u0644 \u0627\u0633\u062a\u0641\u0627\u0636\u0629.<\/p>\n<h2><b>\u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0628\u0634\u0643\u0644 \u0630\u0643\u064a SMART<\/b><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; text-align: center;\" border=\"1\">\n<tbody>\n<tr style=\"background-color: #f2f2f2; font-weight: bold;\">\n<td style=\"padding: 15px;\">\u0627\u0644\u0645\u0639\u064a\u0627\u0631<\/td>\n<td style=\"padding: 15px;\">\u0627\u0644\u0648\u0635\u0641<\/td>\n<\/tr>\n<tr style=\"background-color: #e6f7ff;\">\n<td style=\"padding: 15px;\">\u0645\u062d\u062f\u062f (Specific)<\/td>\n<td style=\"padding: 15px;\">\u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0636\u062d\u0627\u064b \u0648\u0645\u062d\u062f\u062f\u0627\u064b \u0628\u062f\u0642\u0629<\/td>\n<\/tr>\n<tr style=\"background-color: #e6ffcc;\">\n<td style=\"padding: 15px;\">\u0642\u0627\u0628\u0644 \u0644\u0644\u0642\u064a\u0627\u0633 (Measurable)<\/td>\n<td style=\"padding: 15px;\">\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0637\u0631\u064a\u0642\u0629 \u0648\u0627\u0636\u062d\u0629 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0642\u062f\u0645 \u0646\u062d\u0648 \u0627\u0644\u0647\u062f\u0641<\/td>\n<\/tr>\n<tr style=\"background-color: #ffccf2;\">\n<td style=\"padding: 15px;\">\u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u062d\u0642\u064a\u0642 (Achievable)<\/td>\n<td style=\"padding: 15px;\">\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0647\u062f\u0641 \u0648\u0627\u0642\u0639\u064a\u0627\u064b \u0648\u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u062a\u062d\u0642\u064a\u0642 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a\u0643<\/td>\n<\/tr>\n<tr style=\"background-color: #ffd699;\">\n<td style=\"padding: 15px;\">\u0648\u0627\u0642\u0639\u064a (Realistic)<\/td>\n<td style=\"padding: 15px;\">\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0647\u062f\u0641 \u0645\u062a\u0645\u0627\u0634\u064a\u0627\u064b \u0645\u0639 \u0648\u0627\u0642\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0638\u0631\u0648\u0641\u0643<\/td>\n<\/tr>\n<tr style=\"background-color: #d9b3ff;\">\n<td style=\"padding: 15px;\">\u0645\u062d\u062f\u062f \u0628\u0632\u0645\u0646 (Time-related)<\/td>\n<td style=\"padding: 15px;\">\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u0644\u0647\u062f\u0641 \u0645\u0648\u0639\u062f \u0632\u0645\u0646\u064a \u0645\u062d\u062f\u062f \u0644\u062a\u062d\u0642\u064a\u0642\u0647<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u062d\u0627\u0644\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 <a href=\"https:\/\/qsalary.com\/ar\/blog\/financial-awareness\/\">\u0627\u0644\u0648\u0639\u064a \u0627\u0644\u0645\u0627\u0644\u064a<\/a> \u0648\u062a\u062a\u0633\u0627\u0621\u0644 \u0639\u0646 \u0643\u064a\u0641 \u0627\u062d\u062f\u062f \u0627\u0647\u062f\u0627\u0641\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0641\u0645\u0646 \u0627\u0644\u0647\u0627\u0645 \u0623\u0646 \u062a\u0636\u0639 \u0644\u0646\u0641\u0633\u0643 \u0623\u0647\u062f\u0627\u0641\u0627\u064b \u0645\u0627\u0644\u064a\u0629 \u0630\u0643\u064a\u0629\u061b \u0623\u064a \u0623\u0647\u062f\u0627\u0641\u0627\u064b \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 SMART Goals\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0641\u064a \u062d\u0627\u0644\u062a\u0646\u0627 \u0647\u0630\u0647 \u0627\u062e\u062a\u0635\u0627\u0631\u0627\u064b \u0644\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0622\u062a\u064a\u0629:<\/p>\n<ul>\n<li aria-level=\"1\"><b>\u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u062d\u062f\u062f\u0627\u064b (<\/b><b>S<\/b><b>pecific)<\/b><\/li>\n<\/ul>\n<p>\u064a\u062c\u0628 \u0623\u0646 \u062a\u062d\u062f\u062f \u0628\u0648\u0636\u0648\u062d \u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0630\u0643\u064a \u0648\u0645\u0627 \u062a\u0631\u064a\u062f \u062a\u062d\u0642\u064a\u0642\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0648\u0627\u0644\u0643 \u0627\u0633\u0623\u0644 \u0646\u0641\u0633\u0643 \u0645\u0627\u0647\u064a \u0627\u0644\u0627\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u064a \u0623\u0631\u063a\u0628 \u0641\u064a \u062a\u062d\u0642\u064a\u0642\u0647\u0627\u060c \u0645\u062b\u0644 \u062a\u0648\u0641\u064a\u0631 \u0645\u0628\u0644\u063a \u0645\u0639\u064a\u0646 \u0623\u0648 \u0633\u062f\u0627\u062f \u062f\u064a\u0646 \u0645\u0639\u064a\u0646 \u0623\u0648 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644\u0643 \u0628\u0646\u0633\u0628\u0629 \u0645\u0639\u064a\u0646\u0629. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0636\u062d\u0627\u064b \u0648\u0645\u0641\u0647\u0648\u0645\u0627\u064b \u0648\u0645\u062d\u062f\u062f\u0627\u064b\u060c \u0648\u0644\u0627 \u064a\u062a\u0631\u0643 \u0645\u062c\u0627\u0644\u0627\u064b \u0644\u0623\u064a \u063a\u0645\u0648\u0636 \u0623\u0648 \u062a\u0623\u0648\u064a\u0644. \u0648\u0625\u0644\u064a\u0643 \u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0647\u062f\u0641 \u0630\u0643\u064a\u060c \u0644\u0627 \u064a\u0643\u0641\u064a \u0623\u0646 \u062a\u0642\u0648\u0644 &#8220;\u0623\u0631\u064a\u062f \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644&#8221;\u060c \u0628\u0644 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062d\u062f\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u062a\u0631\u064a\u062f \u062a\u0648\u0641\u064a\u0631\u0647\u060c \u0648\u0644\u0623\u064a \u063a\u0631\u0636.<\/p>\n<ul>\n<li aria-level=\"1\"><b>\u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u0642\u064a\u0627\u0633 (<\/b><b>M<\/b><b>easurable)<\/b><\/li>\n<\/ul>\n<p>\u0643\u064a\u0641 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0639\u0646\u062f \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u0627\u0628\u0644 \u0644\u0644\u0642\u064a\u0627\u0633\u061f \u0647\u0630\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0636\u0639 \u0645\u0624\u0634\u0631\u0627\u062a \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u064a\u0645\u0643\u0646\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627 <a href=\"https:\/\/qsalary.com\/ar\/blog\/creating-budget\/\">\u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629<\/a> \u0648\u0642\u064a\u0627\u0633 \u0645\u062f\u0649 \u062a\u0642\u062f\u0645\u0643 \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0645\u062b\u0644 \u0643\u0645\u064a\u0629 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631\u0647\u0627 \u0643\u0644 \u0634\u0647\u0631\u060c \u0623\u0648 \u0646\u0633\u0628\u0629 \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062a\u064a \u062a\u0633\u062f\u062f\u0647\u0627 \u0643\u0644 \u0634\u0647\u0631\u060c \u0623\u0648 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062f\u062e\u0644\u0643 \u0643\u0644 \u0634\u0647\u0631. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0644\u0645\u0648\u0633\u0627\u064b \u0648\u0645\u062d\u062f\u062f\u0627\u064b \u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0645\u0646 \u062f\u0648\u0646 \u0623\u0646 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0634\u0639\u0648\u0631 \u0623\u0648 \u0627\u0644\u062a\u0643\u0647\u0646\u0627\u062a. \u0648\u0625\u0644\u064a\u0643 \u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0647\u062f\u0641 \u0642\u0627\u0628\u0644 \u0644\u0644\u0642\u064a\u0627\u0633\u060c \u0644\u0627 \u064a\u0643\u0641\u064a \u0623\u0646 \u062a\u0642\u0648\u0644 &#8220;\u0623\u0631\u064a\u062f \u0623\u0646 \u0623\u0632\u064a\u062f \u062f\u062e\u0644\u064a&#8221;\u060c \u0628\u0644 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062d\u062f\u062f \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u0625\u0644\u064a\u0647\u0627\u060c \u0648\u0643\u064a\u0641 \u0633\u062a\u0642\u064a\u0633\u0647\u0627.<\/p>\n<ul>\n<li aria-level=\"1\"><b>\u0623\u0646 \u064a\u0643\u0648\u0646 \u0647\u062f\u0641\u0643 \u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u062d\u0642\u064a\u0642 (<\/b><b>A<\/b><b>chievable)<\/b><\/li>\n<\/ul>\n<p>\u064a\u062c\u0628 \u0623\u0646 \u062a\u0636\u0639 \u0647\u062f\u0641\u0627\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u064a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0642\u062f\u0631\u0627\u062a\u0643 \u0648\u0625\u0645\u0643\u0627\u0646\u0627\u062a\u0643 \u0648\u0638\u0631\u0648\u0641\u0643\u060c \u0648\u0644\u0627 \u064a\u062a\u0637\u0644\u0628 \u0645\u0646\u0643 \u062c\u0647\u062f\u0627\u064b \u062c\u0628\u0627\u0631\u0627\u064b \u0623\u0648 \u062a\u0636\u062d\u064a\u0629 \u0643\u0628\u064a\u0631\u0629. \u064a\u062c\u0628 \u0623\u0646 \u064a\u0645\u062b\u0644 \u0647\u062f\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u062a\u062d\u062f\u064a\u0627\u064b 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[&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6722,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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