<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Spending Atlas Blog</title><link>https://harcama-atlas.pages.dev/en/blog</link><description>Articles on budgeting, debt, saving and financial freedom.</description><language>en</language><item><title>The wealth scorecard: five numbers to know</title><link>https://harcama-atlas.pages.dev/en/blog/servet-icin-bilinmesi-gereken-bes-rakam-2026-10-25/</link><guid>https://harcama-atlas.pages.dev/en/blog/servet-icin-bilinmesi-gereken-bes-rakam-2026-10-25/</guid><pubDate>Sun, 25 Oct 2026 19:20:00 GMT</pubDate><description>Income, expenses, margin, savings rate and net worth show where financial progress really stands.</description></item><item><title>How to start investing at every income level</title><link>https://harcama-atlas.pages.dev/en/blog/her-gelir-seviyesinde-yatirima-baslamak-2026-10-25/</link><guid>https://harcama-atlas.pages.dev/en/blog/her-gelir-seviyesinde-yatirima-baslamak-2026-10-25/</guid><pubDate>Sun, 25 Oct 2026 06:15:00 GMT</pubDate><description>As income grows, investing priorities shift from skills to asset allocation, tax and fund fees.</description></item><item><title>The costliest mistake in a market crash: the exit door</title><link>https://harcama-atlas.pages.dev/en/blog/piyasa-dususlerinde-en-pahali-hata-2026-10-24/</link><guid>https://harcama-atlas.pages.dev/en/blog/piyasa-dususlerinde-en-pahali-hata-2026-10-24/</guid><pubDate>Sat, 24 Oct 2026 18:50:00 GMT</pubDate><description>Panicking out in downturns and missing the recovery years sharply shrinks long-term savings; regular buying takes emotion out of the equation.</description></item><item><title>Black Monday 1987: the day protection backfired</title><link>https://harcama-atlas.pages.dev/en/blog/kara-pazartesi-1987-korumanin-tersine-dondugu-gun-2026-10-24/</link><guid>https://harcama-atlas.pages.dev/en/blog/kara-pazartesi-1987-korumanin-tersine-dondugu-gun-2026-10-24/</guid><pubDate>Sat, 24 Oct 2026 06:50:00 GMT</pubDate><description>In the 1987 crash, portfolio insurance and margin calls amplified the selling, while Fed liquidity support kept the crisis from spreading to the economy.</description></item><item><title>The hidden risk of "safe" investing: balance shifts over time</title><link>https://harcama-atlas.pages.dev/en/blog/guvenli-yatirimin-gizli-riski-2026-10-23/</link><guid>https://harcama-atlas.pages.dev/en/blog/guvenli-yatirimin-gizli-riski-2026-10-23/</guid><pubDate>Fri, 23 Oct 2026 18:17:00 GMT</pubDate><description>The difference between risk tolerance and risk capacity, and how a portfolio is rebalanced with age.</description></item><item><title>The bad news is out, yet the market is still looking for a twist</title><link>https://harcama-atlas.pages.dev/en/blog/piyasa-notu-2026-10-23/</link><guid>https://harcama-atlas.pages.dev/en/blog/piyasa-notu-2026-10-23/</guid><pubDate>Fri, 23 Oct 2026 00:00:00 GMT</pubDate><description>Oil tops $110 and cracks deepen in US housing, but crowded bearish bets keep the chance of a short-term rebound alive.</description></item><item><title>The 50/30/20 rule: how to budget around your salary</title><link>https://harcama-atlas.pages.dev/en/blog/50-30-20-butce-kurali/</link><guid>https://harcama-atlas.pages.dev/en/blog/50-30-20-butce-kurali/</guid><pubDate>Thu, 22 Oct 2026 00:00:00 GMT</pubDate><description>How to apply the 50/30/20 rule, which splits your income into needs, wants and savings, with a worked example and tips for when the ratios do not fit.</description></item><item><title>The minimum payment trap: the fastest way to clear credit card debt</title><link>https://harcama-atlas.pages.dev/en/blog/kredi-karti-asgari-odeme/</link><guid>https://harcama-atlas.pages.dev/en/blog/kredi-karti-asgari-odeme/</guid><pubDate>Tue, 20 Oct 2026 00:00:00 GMT</pubDate><description>Why does paying only the minimum on a credit card drag debt out? How to pay it off with a plan using the avalanche and snowball methods.</description></item><item><title>What is financial freedom? Coast FI, Lean FI and Fat FI</title><link>https://harcama-atlas.pages.dev/en/blog/finansal-ozgurluk-nedir/</link><guid>https://harcama-atlas.pages.dev/en/blog/finansal-ozgurluk-nedir/</guid><pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate><description>How much do you need to save for financial freedom? The 4% rule and the Coast FI, Lean FI, FI and Fat FI stops, explained in plain language.</description></item></channel></rss>