{"id":8837,"date":"2025-07-26T17:51:18","date_gmt":"2025-07-26T14:21:18","guid":{"rendered":"https:\/\/ghesta.ir\/blog\/?p=8837"},"modified":"2025-11-09T15:08:50","modified_gmt":"2025-11-09T11:38:50","slug":"%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c","status":"publish","type":"post","link":"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/","title":{"rendered":"5 \u06af\u0627\u0645 \u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc \u060c \u0631\u0627\u0647\u06cc \u0645\u0637\u0645\u0626\u0646 \u0628\u0647 \u0633\u0648\u06cc \u0622\u0632\u0627\u062f\u06cc \u0645\u0627\u0644\u06cc"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter-rtl ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0641\u0647\u0631\u0633\u062a 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data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%AF%D8%B1_%D8%A7%DB%8C%D9%86_%D9%85%D8%B7%D9%84%D8%A8_%DA%86%D9%87_%DA%86%DB%8C%D8%B2%E2%80%8C%D9%87%D8%A7%DB%8C%DB%8C_%D9%85%DB%8C%E2%80%8C%D8%A2%D9%85%D9%88%D8%B2%DB%8C%D8%AF%D8%9F\" >\u062f\u0631 \u0627\u06cc\u0646 \u0645\u0637\u0644\u0628 \u0686\u0647 \u0686\u06cc\u0632\u200c\u0647\u0627\u06cc\u06cc \u0645\u06cc\u200c\u0622\u0645\u0648\u0632\u06cc\u062f\u061f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%A8%D8%AF%D9%87%DB%8C_%D8%AE%D9%88%D8%A8_VS_%D8%A8%D8%AF%D9%87%DB%8C_%D8%A8%D8%AF\" >\u0628\u062f\u0647\u06cc \u062e\u0648\u0628 VS \u0628\u062f\u0647\u06cc \u0628\u062f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%A8%D8%AF%D9%87%DB%8C_%D8%AE%D9%88%D8%A8_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\" >\u0628\u062f\u0647\u06cc \u062e\u0648\u0628 \u0686\u06cc\u0633\u062a\u061f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%A8%D8%AF%D9%87%DB%8C_%D8%A8%D8%AF_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\" >\u0628\u062f\u0647\u06cc \u0628\u062f \u0686\u06cc\u0633\u062a\u061f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C\" >\u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%AF%D8%A7%D9%85_%D8%A7%D9%88%D9%84_%D8%B4%D9%81%D8%A7%D9%81_%D8%B3%D8%A7%D8%B2%DB%8C_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\" >\u06af\u0627\u0645 \u0627\u0648\u0644: \u0634\u0641\u0627\u0641 \u0633\u0627\u0632\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%AF%D8%A7%D9%85_%D8%AF%D9%88%D9%85_%D8%AF%D8%B3%D8%AA%D9%87%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\" >\u06af\u0627\u0645 \u062f\u0648\u0645: \u062f\u0633\u062a\u0647\u200c\u0628\u0646\u062f\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%AF%D9%88_%D8%B1%D9%88%D8%B4_%D8%B1%D8%A7%DB%8C%D8%AC_%D8%A8%D8%B1%D8%A7%DB%8C_%D9%BE%D8%B1%D8%AF%D8%A7%D8%AE%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\" >\u062f\u0648 \u0631\u0648\u0634 \u0631\u0627\u06cc\u062c \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u062f\u0647\u06cc\u200c\u0647\u0627:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%B1%D9%88%D8%B4_%DA%AF%D9%84%D9%88%D9%84%D9%87_%D8%A8%D8%B1%D9%81%DB%8C_Debt_Snowball\" >\u0631\u0648\u0634 \u06af\u0644\u0648\u0644\u0647 \u0628\u0631\u0641\u06cc (Debt Snowball)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%B1%D9%88%D8%B4_%D8%A2%D9%88%D8%A7%D9%84%D8%A7%D9%86%DA%86_Debt_Avalanche\" >\u0631\u0648\u0634 \u0622\u0648\u0627\u0644\u0627\u0646\u0686\u00a0 (Debt Avalanche)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%86%D8%B7%D9%88%D8%B1_%D8%A7%D9%86%D8%AC%D8%A7%D9%85%D8%B4_%D8%A8%D8%AF%D9%87%DB%8C%D9%85%D8%9F\" >\u0686\u0637\u0648\u0631 \u0627\u0646\u062c\u0627\u0645\u0634 \u0628\u062f\u0647\u06cc\u0645\u061f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%AF%D8%A7%D9%85_%D8%B3%D9%88%D9%85_%D9%87%D9%88%D8%B4%D9%85%D9%86%D8%AF%D8%A7%D9%86%D9%87_%D8%AE%D8%B1%D8%AC_%DA%A9%D9%86%DB%8C%D8%AF\" >\u06af\u0627\u0645 \u0633\u0648\u0645: \u0647\u0648\u0634\u0645\u0646\u062f\u0627\u0646\u0647 \u062e\u0631\u062c \u06a9\u0646\u06cc\u062f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%AF%D8%A7%D9%85_%DA%86%D9%87%D8%A7%D8%B1%D9%85_%D8%A7%D8%B2%D8%AA%DA%A9%D9%86%D9%88%D9%84%D9%88%DA%98%DB%8C_%DA%A9%D9%85%DA%A9_%D8%A8%DA%AF%DB%8C%D8%B1%DB%8C%D8%AF\" >\u06af\u0627\u0645 \u0686\u0647\u0627\u0631\u0645: \u0627\u0632\u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc \u06a9\u0645\u06a9 \u0628\u06af\u06cc\u0631\u06cc\u062f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#1_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D9%85%D8%A7%D9%84%DB%8C_Mint\" >1. \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc Mint<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#2_%D8%A8%D8%B1%D9%86%D8%A7%D9%85%D9%87_Nerdwallet\" >2. \u0628\u0631\u0646\u0627\u0645\u0647 Nerdwallet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#3_%D8%A7%D9%BE%D9%84%DB%8C%DA%A9%DB%8C%D8%B4%D9%86_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D9%85%D8%A7%D9%84%DB%8C_%D9%BE%D8%A7%D8%B1%D9%85%DB%8C%D8%B3_%D9%87%D9%85%D8%B1%D8%A7%D9%87\" >3. \u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc \u067e\u0627\u0631\u0645\u06cc\u0633 \u0647\u0645\u0631\u0627\u0647<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#4%D8%A7%D9%BE%D9%84%DB%8C%DA%A9%DB%8C%D8%B4%D9%86_%D8%AF%D8%AE%D9%84_%D9%88_%D8%AE%D8%B1%D8%AC\" >4.\u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u062f\u062e\u0644 \u0648 \u062e\u0631\u062c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%DA%AF%D8%A7%D9%85_%D9%BE%D9%86%D8%AC%D9%85_%D8%A8%D8%B9%D8%AF_%D8%A7%D8%B2_%DA%A9%D9%86%D8%AA%D8%B1%D9%84_%D8%A8%D8%AF%D9%87%DB%8C%D8%8C_%D9%88%D9%82%D8%AA_%D8%B3%D8%A7%D8%AE%D8%AA%D9%86_%D8%A2%DB%8C%D9%86%D8%AF%D9%87_%D8%A7%D8%B3%D8%AA\" >\u06af\u0627\u0645 \u067e\u0646\u062c\u0645: \u0628\u0639\u062f \u0627\u0632 \u06a9\u0646\u062a\u0631\u0644 \u0628\u062f\u0647\u06cc\u060c \u0648\u0642\u062a \u0633\u0627\u062e\u062a\u0646 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0633\u062a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"#\" data-href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/#%D8%A8%D8%B1%D8%A7%DB%8C_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C_%D8%A8%D8%A7%DB%8C%D8%AF\" >\u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a 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href=\"https:\/\/ghesta.ir\/\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8347 aligncenter\" src=\"https:\/\/ghesta.ir\/blog\/wp-content\/themes\/maktub\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2024\/04\/A.gif\" alt=\"\u062f\u0631\u06cc\u0627\u0641\u062a \u0648\u0627\u0645 \u0641\u0648\u0631\u06cc \u0648 \u0628\u062f\u0648\u0646 \u0636\u0627\u0645\u0646 \u0627\u0632 \u0642\u0633\u0637\u0627\" width=\"950\" height=\"176\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>\u062e\u06cc\u0644\u06cc \u0648\u0642\u062a\u200c\u0647\u0627 \u0622\u062f\u0645\u200c\u0647\u0627 \u0641\u06a9\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f <a href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d9%85%d8%a7%d9%84%db%8c-%d8%ae%d8%a7%d9%86%d9%88%d8%a7%d8%af%d9%87\/\">\u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc<\/a> \u06cc\u0639\u0646\u06cc <a 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data-srcset=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-1.jpg 1500w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-1-300x242.jpg 300w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-1-1024x827.jpg 1024w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-1-768x621.jpg 768w\" data-sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%DA%86%D8%B1%D8%A7_%D8%A8%D8%A7%DB%8C%D8%AF_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C_%D8%B1%D8%A7_%D8%A8%D9%84%D8%AF_%D8%A8%D8%A7%D8%B4%DB%8C%D9%85%D8%9F\"><\/span>\u0686\u0631\u0627 \u0628\u0627\u06cc\u062f 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\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0648 \u0644\u0628\u062e\u0646\u062f\u200c\u0647\u0627\u06cc \u062a\u0635\u0646\u0639\u06cc \u0648 \u0627\u0632 \u0633\u0631 \u0632\u0648\u0631 \u0648 \u0627\u062c\u0628\u0627\u0631 \u0628\u0647 \u0637\u0644\u0628\u06a9\u0627\u0631\u0627\u0646 \u0645\u062d\u062a\u0631\u0645 \u06af\u0631\u0647 \u0628\u0632\u0646\u0646\u062f.<br \/>\n\u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u0628\u062d\u0631\u0627\u0646\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0627\u0641\u0631\u0627\u062f \u0627\u0632 \u0628\u06cc\u200c\u062a\u0648\u062c\u0647\u06cc \u0628\u0647 \u0627\u0635\u0648\u0644 \u0627\u0648\u0644\u06cc\u0647 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc \u0622\u063a\u0627\u0632 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D8%AF%D8%B1_%D8%A7%DB%8C%D9%86_%D9%85%D8%B7%D9%84%D8%A8_%DA%86%D9%87_%DA%86%DB%8C%D8%B2%E2%80%8C%D9%87%D8%A7%DB%8C%DB%8C_%D9%85%DB%8C%E2%80%8C%D8%A2%D9%85%D9%88%D8%B2%DB%8C%D8%AF%D8%9F\"><\/span>\u062f\u0631 \u0627\u06cc\u0646 \u0645\u0637\u0644\u0628 \u0686\u0647 \u0686\u06cc\u0632\u200c\u0647\u0627\u06cc\u06cc \u0645\u06cc\u200c\u0622\u0645\u0648\u0632\u06cc\u062f\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>\u00a0\u0641\u0631\u0642 \u0628\u062f\u0647\u06cc \u062e\u0648\u0628 \u0648 \u0628\u062f\u0647\u06cc \u0628\u062f \u0686\u06cc\u0633\u062a\u061f<\/li>\n<li>\u0686\u0637\u0648\u0631 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u0627\u0648\u0644\u0648\u06cc\u062a \u0628\u0646\u062f\u06cc \u06a9\u0646\u06cc\u0645\u061f<\/li>\n<li>\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u0632\u06cc\u0631 \u0641\u0634\u0627\u0631 \u0645\u0627\u0644\u06cc \u0646\u062c\u0627\u062a \u067e\u06cc\u062f\u0627 \u06a9\u0646\u06cc\u0645\u061f<\/li>\n<li>\u0648 \u0686\u0637\u0648\u0631 \u062f\u0648\u0628\u0627\u0631\u0647 \u0627\u0641\u0633\u0627\u0631 \u067e\u0648\u0644\u0645\u0627\u0646 \u0631\u0627 \u0628\u0647 \u062f\u0633\u062a \u0628\u06af\u06cc\u0631\u06cc\u0645\u061f<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%D8%A8%D8%AF%D9%87%DB%8C_%D8%AE%D9%88%D8%A8_VS_%D8%A8%D8%AF%D9%87%DB%8C_%D8%A8%D8%AF\"><\/span>\u0628\u062f\u0647\u06cc \u062e\u0648\u0628 VS \u0628\u062f\u0647\u06cc \u0628\u062f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0647\u0645\u0647 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0628\u062f \u0646\u06cc\u0633\u062a\u0646\u062f.\u0628\u0639\u0636\u06cc \u0627\u0632 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0633\u06a9\u0648\u06cc \u067e\u0631\u062a\u0627\u0628 \u0634\u0645\u0627 \u0634\u0648\u0646\u062f\u060c \u0628\u0647 \u0634\u0631\u0637\u06cc \u06a9\u0647 \u0622\u06af\u0627\u0647\u0627\u0646\u0647 \u06af\u0631\u0641\u062a\u0647 \u0634\u062f\u0647 \u0628\u0627\u0634\u0646\u062f.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%D8%A8%D8%AF%D9%87%DB%8C_%D8%AE%D9%88%D8%A8_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\"><\/span>\u0628\u062f\u0647\u06cc \u062e\u0648\u0628 \u0686\u06cc\u0633\u062a\u061f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0628\u062f\u0647\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0628\u0644\u0646\u062f \u0645\u062f\u062a \u0628\u0631\u0627\u06cc\u062a\u0627\u0646 \u0627\u0631\u0632\u0634\u200c\u0622\u0641\u0631\u06cc\u0646\u06cc \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0645\u062b\u0644 \u0648\u0627\u0645\u06cc \u06a9\u0647 \u0645\u062b\u0644\u0627 \u0628\u0631\u0627\u06cc <a href=\"https:\/\/ghesta.ir\/blog\/%da%86%da%af%d9%88%d9%86%da%af%db%8c-%d8%b3%d8%b1%d9%85%d8%a7%db%8c%d9%87-%da%af%d8%b0%d8%a7%d8%b1%db%8c-%d8%af%d8%b1-%d8%a8%d9%88%d8%b1%d8%b3\/\">\u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062f\u0631 \u0628\u0648\u0631\u0633<\/a>\u060c 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href=\"https:\/\/ghesta.ir\/blog\/%d9%86%da%a9%d8%a7%d8%aa-%d9%85%d9%87%d9%85-%d8%af%d8%b1-%d8%ae%d8%b1%db%8c%d8%af-%d8%b7%d9%84%d8%a7\/\">\u062e\u0631\u06cc\u062f \u0637\u0644\u0627<\/a>\u06cc\u06cc \u06a9\u0647 \u0627\u062c\u0631\u062a \u0628\u0627\u0644\u0627\u06cc\u06cc \u062f\u0627\u0631\u062f \u0641\u0642\u0637 \u0628\u0631\u0627\u06cc \u0686\u0634\u0645\u200c\u0648\u200c\u0647\u0645\u200c\u0686\u0634\u0645\u06cc!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C\"><\/span>\u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc \u06a9\u0627\u0641\u06cc\u0633\u062a \u0686\u0646\u062f \u0642\u062f\u0645 \u0628\u0631\u062f\u0627\u0631\u06cc\u062f \u062a\u0627 \u0627\u0632 \u0622\u06cc\u0646\u062f\u0647 \u0645\u0627\u0644\u06cc \u062e\u0648\u062f \u0622\u0633\u0648\u062f\u0647 \u062e\u0627\u0637\u0631 \u0634\u0648\u06cc\u062f.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%A7%D9%88%D9%84_%D8%B4%D9%81%D8%A7%D9%81_%D8%B3%D8%A7%D8%B2%DB%8C_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\"><\/span>\u06af\u0627\u0645 \u0627\u0648\u0644: \u0634\u0641\u0627\u0641 \u0633\u0627\u0632\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0642\u0628\u0644 \u0627\u0632 \u0647\u0631 \u0686\u06cc\u0632\u060c \u0628\u0627 \u062e\u0648\u062f\u062a\u0627\u0646 \u0631\u0648\u0631\u0627\u0633\u062a \u0628\u0627\u0634\u06cc\u062f. \u06cc\u06a9 \u0644\u06cc\u0633\u062a \u062f\u0642\u06cc\u0642 \u0627\u0632 \u062a\u0645\u0627\u0645 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u062a\u0647\u06cc\u0647 \u06a9\u0646\u06cc\u062f. \u0627\u0632 <a href=\"https:\/\/ghesta.ir\/blog\/%d9%88%d8%a7%d9%85-%d9%85%d8%b3%da%a9%d9%86\/\">\u0648\u0627\u0645 \u0645\u0633\u06a9\u0646<\/a> \u06af\u0631\u0641\u062a\u0647 \u062a\u0627 \u067e\u0648\u0644 \u06a9\u0627\u0641\u06cc \u0634\u0627\u067e\u06cc \u06a9\u0647 \u0628\u0647 \u062f\u0648\u0633\u062a\u062a\u0627\u0646 \u0628\u062f\u0647\u06a9\u0627\u0631 \u0647\u0633\u062a\u06cc\u062f!<br \/>\n\u0628\u0631\u0627\u06cc \u0647\u0631 \u0628\u062f\u0647\u06cc \u0627\u06cc\u0646 \u0645\u0648\u0627\u0631\u062f \u0631\u0627 \u0645\u0634\u062e\u0635 \u06a9\u0646\u06cc\u062f:<\/p>\n<ul>\n<li>\u00a0\u0645\u0628\u0644\u063a \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647<\/li>\n<li>\u0646\u0631\u062e \u0628\u0647\u0631\u0647<\/li>\n<li>\u0645\u0628\u0644\u063a \u0642\u0633\u0637 \u0645\u0627\u0647\u06cc\u0627\u0646\u0647<\/li>\n<li>\u062a\u0627\u0631\u06cc\u062e \u0633\u0631 \u0631\u0633\u06cc\u062f \u0627\u0642\u0633\u0627\u0637<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%AF%D9%88%D9%85_%D8%AF%D8%B3%D8%AA%D9%87%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\"><\/span>\u06af\u0627\u0645 \u062f\u0648\u0645: \u062f\u0633\u062a\u0647\u200c\u0628\u0646\u062f\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u062f\u0648 \u062f\u0633\u062a\u0647 \u06a9\u0644\u06cc \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0646\u06cc\u062f:<\/p>\n<ul>\n<li>\u0628\u062f\u0647\u06cc \u0628\u0627 \u0628\u0647\u0631\u0647 \u0628\u0627\u0644\u0627 (\u06a9\u0647 \u062f\u0634\u0645\u0646 \u062c\u06cc\u0628 \u0634\u0645\u0627 \u0647\u0633\u062a\u0646\u062f)<\/li>\n<li>\u0628\u062f\u0647\u06cc \u0628\u0627 \u0628\u0647\u0631\u0647 \u067e\u0627\u06cc\u06cc\u0646 (\u06a9\u0647 \u0645\u0639\u0645\u0648\u0644\u0627 \u06a9\u0645\u06cc \u0645\u0647\u0631\u0628\u0627\u0646\u200c\u062a\u0631 \u0647\u0633\u062a\u0646\u062f)<\/li>\n<\/ul>\n<p>\u0627\u0648\u0644\u0648\u06cc\u062a \u0627\u0635\u0644\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u060c \u0628\u0627\u06cc\u062f \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u0628\u0627 \u0628\u0647\u0631\u0647 \u0628\u0627\u0644\u0627 \u0628\u0627\u0634\u0646\u062f .\u0627\u06cc\u0646\u200c\u0647\u0627 \u0645\u062b\u0644 \u0645\u06cc\u0648\u0647\u200c\u0647\u0627\u06cc \u062e\u0631\u0627\u0628 \u062a\u0647 \u06cc\u062e\u0686\u0627\u0644\u200c\u0627\u0646\u062f\u060c \u0627\u06af\u0631 \u0632\u0648\u062f\u062a\u0631 \u0628\u0647 \u062f\u0627\u062f\u0634\u0627\u0646 \u0646\u0631\u0633\u06cc\u062f \u0647\u0645\u0647\u200c\u0686\u06cc\u0632 \u0631\u0627 \u062e\u0631\u0627\u0628 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D8%AF%D9%88_%D8%B1%D9%88%D8%B4_%D8%B1%D8%A7%DB%8C%D8%AC_%D8%A8%D8%B1%D8%A7%DB%8C_%D9%BE%D8%B1%D8%AF%D8%A7%D8%AE%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C%E2%80%8C%D9%87%D8%A7\"><\/span>\u062f\u0648 \u0631\u0648\u0634 \u0631\u0627\u06cc\u062c \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u062f\u0647\u06cc\u200c\u0647\u0627:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%D8%B1%D9%88%D8%B4_%DA%AF%D9%84%D9%88%D9%84%D9%87_%D8%A8%D8%B1%D9%81%DB%8C_Debt_Snowball\"><\/span>\u0631\u0648\u0634 \u06af\u0644\u0648\u0644\u0647 \u0628\u0631\u0641\u06cc (Debt Snowball)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.ramseysolutions.com\/debt\/how-the-debt-snowball-method-works?srsltid=AfmBOopPmLmavWnwjrBZpN4jDYZ_AenfMGnfdBuoBWr8zj29c12OEE1f\" target=\"_blank\" rel=\"noopener\">\u0631\u0648\u0634 \u06af\u0644\u0648\u0644\u0647 \u0628\u0631\u0641\u06cc<\/a> \u06cc\u06a9 \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0622\u0646 \u060c \u0634\u0645\u0627 \u0627\u0632 \u06a9\u0648\u0686\u06a9\u200c\u062a\u0631\u06cc\u0646 \u0628\u062f\u0647\u06cc \u0634\u0631\u0648\u0639 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0648 \u067e\u0633 \u0627\u0632 \u062a\u0633\u0648\u06cc\u0647 \u0622\u0646\u060c \u0633\u0631\u0627\u063a \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af\u200c\u062a\u0631 \u0645\u06cc\u200c\u0631\u0648\u06cc\u062f.<br \/>\n\u0627\u06af\u0631 \u0627\u0632 \u0622\u0646 \u062f\u0633\u062a\u0647 \u0627\u0632 \u0622\u062f\u0645\u200c\u0647\u0627\u06cc\u06cc \u0647\u0633\u062a\u06cc\u062f \u06a9\u0647 \u0648\u0642\u062a\u06cc \u0633\u0631\u06cc\u0639 \u0646\u062a\u06cc\u062c\u0647 \u0645\u06cc\u200c\u0628\u06cc\u0646\u06cc\u062f\u060c \u0627\u0646\u06af\u06cc\u0632\u0647\u200c\u062a\u0627\u0646 \u0686\u0646\u062f \u0628\u0631\u0627\u0628\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0627\u06cc\u0646 \u0631\u0648\u0634 \u0645\u062e\u0635\u0648\u0635 \u0634\u0645\u0627\u0633\u062a!<br \/>\n\u0648 \u00a0\u0628\u0631\u0627\u06cc \u06a9\u0633\u0627\u0646\u06cc\u200c\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0646\u062f \u0647\u0631 \u0686\u0647 \u0633\u0631\u06cc\u0639\u200c\u062a\u0631 \u0627\u0632 \u0634\u0631 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u062e\u0648\u062f \u062e\u0644\u0627\u0635 \u0634\u0648\u0646\u062f.<br \/>\n<strong>\u0686\u0637\u0648\u0631 \u0627\u0646\u062c\u0627\u0645\u0634 \u0628\u062f\u0647\u06cc\u0645\u061f<\/strong><\/p>\n<ul>\n<li>\u0627\u0632 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0648\u0686\u06a9\u200c\u062a\u0631\u06cc\u0646 \u0628\u062f\u0647\u06cc \u0634\u0631\u0648\u0639 \u06a9\u0646\u06cc\u062f.<\/li>\n<li>\u062a\u0645\u0627\u0645 \u062a\u0645\u0631\u06a9\u0632\u062a\u0627\u0646 \u0631\u0627 \u0631\u0648\u06cc \u062a\u0633\u0648\u06cc\u0647 \u0622\u0646 \u0628\u06af\u0630\u0627\u0631\u06cc\u062f<\/li>\n<li>\u0628\u0627 \u0647\u0631 \u0628\u062f\u0647\u06cc \u06a9\u0647 \u0635\u0641\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0627\u062d\u0633\u0627\u0633 \u067e\u06cc\u0631\u0648\u0632\u06cc \u0648 \u0627\u0639\u062a\u0645\u0627\u062f \u0628\u0647 \u0646\u0641\u0633 \u067e\u06cc\u062f\u0627 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0648 \u0628\u0627 \u0627\u0646\u06af\u06cc\u0632\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc \u0645\u0627\u0628\u0642\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u062a\u0627 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u062f\u0648\u0645\u06cc\u0646\u0648 \u0648\u0627\u0631 \u0633\u0642\u0648\u0637 \u06a9\u0646\u0646\u062f.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%D8%B1%D9%88%D8%B4_%D8%A2%D9%88%D8%A7%D9%84%D8%A7%D9%86%DA%86_Debt_Avalanche\"><\/span>\u0631\u0648\u0634 \u0622\u0648\u0627\u0644\u0627\u0646\u0686\u00a0 (Debt Avalanche)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0627\u06af\u0631 \u0627\u0647\u0644 \u062d\u0633\u0627\u0628\u200c\u0648\u200c\u06a9\u062a\u0627\u0628 \u0647\u0633\u062a\u06cc\u062f \u0648 \u0647\u062f\u0641\u200c\u062a\u0627\u0646 \u0635\u0631\u0641\u0647\u200c\u062c\u0648\u06cc\u06cc \u062f\u0631 \u06a9\u0644 \u0645\u0628\u0644\u063a \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u0627\u0633\u062a\u060c \u0627\u06cc\u0646 \u0631\u0648\u0634 \u0628\u0631\u0627\u06cc \u0634\u0645\u0627\u0633\u062a.<br \/>\n\u062f\u0631 <a href=\"https:\/\/www.investopedia.com\/terms\/d\/debt-avalanche.asp\" target=\"_blank\" rel=\"noopener\">\u0631\u0648\u0634 \u0622\u0648\u0627\u0644\u0627\u0646\u0686<\/a> \u0628\u0631 \u062e\u0644\u0627\u0641 \u0631\u0648\u0634 \u06af\u0644\u0648\u0644\u0647 \u0628\u0631\u0641\u06cc\u060c \u0627\u0635\u0644\u0627 \u06a9\u0627\u0631\u06cc \u0628\u0647 \u0645\u0628\u0644\u063a \u0628\u062f\u0647\u06cc \u0646\u062f\u0627\u0631\u06cc\u0645.\u062a\u0645\u0631\u06a9\u0632 \u06a9\u0627\u0645\u0644 \u0631\u0648\u06cc \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u0633\u062a.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%DA%86%D8%B7%D9%88%D8%B1_%D8%A7%D9%86%D8%AC%D8%A7%D9%85%D8%B4_%D8%A8%D8%AF%D9%87%DB%8C%D9%85%D8%9F\"><\/span>\u0686\u0637\u0648\u0631 \u0627\u0646\u062c\u0627\u0645\u0634 \u0628\u062f\u0647\u06cc\u0645\u061f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>\u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0646\u0631\u062e \u0628\u0647\u0631\u0647\u200c\u0634\u0627\u0646 \u0645\u0631\u062a\u0628 \u06a9\u0646\u06cc\u062f. \u0627\u0632 \u0628\u0627\u0644\u0627\u062a\u0631\u06cc\u0646 \u0628\u0647 \u067e\u0627\u06cc\u06cc\u0646\u200c\u062a\u0631\u06cc\u0646.<\/li>\n<li>\u0627\u0648\u0644\u0648\u06cc\u062a \u0628\u0627 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc\u06cc\u200c\u0633\u062a \u06a9\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc\u0646 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0631\u0627 \u062f\u0627\u0631\u0646\u062f.<\/li>\n<li>\u0627\u06af\u0631 \u067e\u0648\u0644 \u0627\u0636\u0627\u0641\u0647\u200c\u0627\u06cc \u062f\u0627\u0631\u06cc\u062f\u060c \u0622\u0646 \u067e\u0648\u0644 \u0631\u0627 \u0641\u0642\u0637 \u0628\u0647 \u0628\u062f\u0647\u06cc\u200c\u0627\u06cc \u0627\u062e\u062a\u0635\u0627\u0635 \u0628\u062f\u0647\u06cc\u062f \u06a9\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc\u0646 \u0633\u0648\u062f \u0648 \u0628\u0647\u0631\u0647 \u0631\u0627 \u062f\u0627\u0631\u062f \u062a\u0627 \u0633\u0631\u06cc\u0639 \u062a\u0631 \u0622\u0646 \u0631\u0627 \u062a\u0645\u0627\u0645 \u06a9\u0646\u06cc\u062f \u0648 \u062e\u06cc\u0627\u0644\u200c\u062a\u0627\u0646 \u0631\u0627 \u0631\u0627\u062d\u062a.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%B3%D9%88%D9%85_%D9%87%D9%88%D8%B4%D9%85%D9%86%D8%AF%D8%A7%D9%86%D9%87_%D8%AE%D8%B1%D8%AC_%DA%A9%D9%86%DB%8C%D8%AF\"><\/span>\u06af\u0627\u0645 \u0633\u0648\u0645: \u0647\u0648\u0634\u0645\u0646\u062f\u0627\u0646\u0647 \u062e\u0631\u062c \u06a9\u0646\u06cc\u062f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>\u0642\u0628\u0644 \u0627\u0632 \u0627\u06cc\u0646 \u06a9\u0647 \u06a9\u0627\u0631\u062a \u0628\u0627\u0646\u06a9\u06cc\u200c\u062a\u0627\u0646 \u0631\u0627 \u0628\u06a9\u0634\u06cc\u062f\u060c \u0627\u06cc\u0646 \u0633\u0647 \u0633\u0648\u0627\u0644 \u0631\u0627 \u0627\u0632 \u062e\u0648\u062f\u062a\u0627\u0646 \u0628\u067e\u0631\u0633\u06cc\u062f:<\/strong><\/p>\n<ul>\n<li>\u00a0\u0622\u06cc\u0627 \u0648\u0627\u0642\u0639\u0627 \u0628\u0647 \u0627\u06cc\u0646 \u06a9\u0627\u0644\u0627 \u0648 \u06cc\u0627 \u062e\u062f\u0645\u0627\u062a \u0646\u06cc\u0627\u0632 \u062f\u0627\u0631\u0645\u061f<\/li>\n<li>\u00a0\u0627\u06cc\u0646 \u062e\u0631\u062c \u0686\u0647 \u0627\u0631\u0632\u0634\u06cc \u0628\u0631\u0627\u06cc \u0622\u06cc\u0646\u062f\u0647\u200c\u0627\u0645 \u062f\u0627\u0631\u062f\u061f<\/li>\n<li>\u00a0\u0622\u06cc\u0627 \u0627\u06cc\u0646 \u062e\u0631\u062c \u0641\u0642\u0637 \u0628\u0631\u0627\u06cc \u0627\u06cc\u0646 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\u0628\u0631\u0627\u06cc \u0634\u0627\u062f\u06cc \u0645\u0648\u0642\u062a \u0630\u0647\u0646\u200c\u0627\u0646\u062f \u06a9\u0647 \u0627\u06cc\u0646 \u062e\u0648\u062f\u0634 \u0639\u0627\u0645\u0644 \u0628\u062f\u0647\u06cc\u200c\u0633\u062a!<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8847\" src=\"https:\/\/ghesta.ir\/blog\/wp-content\/themes\/maktub\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-3.jpg\" alt=\"\u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc\" width=\"1500\" height=\"1193\" data-srcset=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-3.jpg 1500w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-3-300x239.jpg 300w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-3-1024x814.jpg 1024w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-3-768x611.jpg 768w\" data-sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%DA%86%D9%87%D8%A7%D8%B1%D9%85_%D8%A7%D8%B2%D8%AA%DA%A9%D9%86%D9%88%D9%84%D9%88%DA%98%DB%8C_%DA%A9%D9%85%DA%A9_%D8%A8%DA%AF%DB%8C%D8%B1%DB%8C%D8%AF\"><\/span>\u06af\u0627\u0645 \u0686\u0647\u0627\u0631\u0645: \u0627\u0632\u062a\u06a9\u0646\u0648\u0644\u0648\u0698\u06cc \u06a9\u0645\u06a9 \u0628\u06af\u06cc\u0631\u06cc\u062f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u062a\u0644\u0641\u0646 \u0647\u0645\u0631\u0627\u0647\u200c\u062a\u0627\u0646 \u0641\u0642\u0637 \u0628\u0631\u0627\u06cc \u0627\u0633\u06a9\u0631\u0648\u0644 \u06a9\u0631\u062f\u0646 \u0627\u06cc\u0646\u0633\u062a\u0627 \u06cc\u0627 \u0686\u06a9 \u06a9\u0631\u062f\u0646 \u0627\u0633\u062a\u0648\u0631\u06cc \u062f\u0648\u0633\u062a\u0627\u0646\u062a\u0627\u0646 \u0646\u06cc\u0633\u062a.\u0647\u0645\u06cc\u0646 \u06af\u0648\u0634\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062f\u0633\u062a\u06cc\u0627\u0631 \u0648\u0641\u0627\u062f\u0627\u0631 \u0645\u0627\u0644\u06cc \u0634\u0645\u0627 \u0628\u0627\u0634\u062f!<br \/>\n\u0627\u0645\u0631\u0648\u0632\u0647 \u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646\u200c\u0647\u0627\u06cc \u0632\u06cc\u0627\u062f\u06cc \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u0646\u062f \u06a9\u0647 \u0628\u0647 \u0634\u0645\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f 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\u0645\u0633\u06cc\u0631\u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc \u0648 \u0628\u0633\u06cc\u0627\u0631 \u0645\u0641\u06cc\u062f\u0646\u062f:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D9%85%D8%A7%D9%84%DB%8C_Mint\"><\/span>1. \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc Mint<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0639\u0631\u0648\u0641\u200c\u062a\u0631\u06cc\u0646 \u0627\u067e\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u062f\u0646\u06cc\u0627 \u0628\u0627 \u0645\u062d\u06cc\u0637\u06cc \u06a9\u0627\u0631\u0628\u0631\u067e\u0633\u0646\u062f. \u0627\u06af\u0631 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u062f \u0647\u0645\u0647 \u062d\u0633\u0627\u0628\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc\u060c \u06a9\u0627\u0631\u062a\u200c\u0647\u0627 \u0648 \u062d\u062a\u06cc \u0648\u0627\u0645\u200c\u0647\u0627\u06cc\u062a\u0627\u0646 \u0631\u0627 \u06cc\u06a9\u062c\u0627 \u0628\u0628\u06cc\u0646\u06cc\u062f\u060c Mint \u00a0\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u06a9\u0645\u06a9 \u0628\u0632\u0631\u06af\u06cc \u0628\u0627\u0634\u062f.(\u0627\u0644\u0628\u062a\u0647 \u0632\u0628\u0627\u0646\u062a\u0627\u0646 \u0628\u0627\u06cc\u062f \u062e\u0648\u0628 \u0628\u0627\u0634\u062f!)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_%D8%A8%D8%B1%D9%86%D8%A7%D9%85%D9%87_Nerdwallet\"><\/span>2. \u0628\u0631\u0646\u0627\u0645\u0647 Nerdwallet<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u0627\u06cc\u0646 \u0627\u067e \u0628\u06cc\u0634\u062a\u0631 \u0634\u0628\u06cc\u0647 \u0645\u0634\u0627\u0648\u0631 \u0645\u0627\u0644\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0627\u0633\u062a.\u0627\u0632 \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u06af\u0631\u0641\u062a\u0647 \u062a\u0627 \u0627\u0631\u0627\u0626\u0647 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\u0631\u0627 \u0628\u0631\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u06a9\u0646\u062f.\u0627\u06cc\u0646 \u0627\u067e \u0628\u0627 \u067e\u0634\u062a\u06cc\u0628\u0627\u0646\u06cc \u0627\u0632 \u06af\u0632\u0627\u0631\u0634\u200c\u06af\u06cc\u0631\u06cc \u062f\u0642\u06cc\u0642\u060c \u06cc\u0627\u062f\u0622\u0648\u0631 \u0627\u0642\u0633\u0627\u0637 \u0648 \u0628\u0648\u062f\u062c\u0647\u200c\u0628\u0646\u062f\u06cc\u060c \u0647\u0645\u0631\u0627\u0647 \u0645\u0637\u0645\u0626\u0646\u06cc \u0628\u0631\u0627\u06cc \u0646\u0638\u0645 \u0628\u062e\u0634\u06cc\u062f\u0646 \u0628\u0647 \u0627\u0642\u062a\u0635\u0627\u062f \u0634\u062e\u0635\u06cc \u0634\u0645\u0627\u0633\u062a.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4%D8%A7%D9%BE%D9%84%DB%8C%DA%A9%DB%8C%D8%B4%D9%86_%D8%AF%D8%AE%D9%84_%D9%88_%D8%AE%D8%B1%D8%AC\"><\/span>4.\u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u062f\u062e\u0644 \u0648 \u062e\u0631\u062c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u06cc\u06a9 \u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u0627\u06cc\u0631\u0627\u0646\u06cc \u0628\u0631\u0627\u06cc \u062b\u0628\u062a \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u060c \u062f\u0633\u062a\u0647 \u0628\u0646\u062f\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u0628\u0631\u0631\u0633\u06cc \u0648\u0636\u0639\u06cc\u062a \u062f\u062e\u0644 \u0648 \u062e\u0631\u062c \u0645\u0627\u0647\u0627\u0646\u0647. \u06af\u0627\u0647\u06cc \u0641\u0642\u0637 \u06a9\u0627\u0641\u06cc\u200c\u0633\u062a \u0628\u0647 \u0627\u06cc\u0646 \u0627\u067e \u0633\u0631 \u0628\u0632\u0646\u06cc\u062f \u062a\u0627 \u0627\u0632 \u0648\u0644\u062e\u0631\u062c\u06cc \u062f\u0633\u062a \u0628\u06a9\u0634\u06cc\u062f. \u0628\u0647 \u0647\u0645\u06cc\u0646 \u0633\u0627\u062f\u06af\u06cc!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D9%BE%D9%86%D8%AC%D9%85_%D8%A8%D8%B9%D8%AF_%D8%A7%D8%B2_%DA%A9%D9%86%D8%AA%D8%B1%D9%84_%D8%A8%D8%AF%D9%87%DB%8C%D8%8C_%D9%88%D9%82%D8%AA_%D8%B3%D8%A7%D8%AE%D8%AA%D9%86_%D8%A2%DB%8C%D9%86%D8%AF%D9%87_%D8%A7%D8%B3%D8%AA\"><\/span>\u06af\u0627\u0645 \u067e\u0646\u062c\u0645: \u0628\u0639\u062f \u0627\u0632 \u06a9\u0646\u062a\u0631\u0644 \u0628\u062f\u0647\u06cc\u060c \u0648\u0642\u062a \u0633\u0627\u062e\u062a\u0646 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0633\u062a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u062e\u0628 \u062d\u0627\u0644\u0627 \u06a9\u0647 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u0633\u0631 \u062c\u0627\u06cc\u0634\u0627\u0646 \u0646\u0634\u0627\u0646\u062f\u06cc\u062f\u060c \u0648\u0642\u062a \u0622\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0628\u0647 \u0622\u06cc\u0646\u062f\u0647 \u0641\u06a9\u0631 \u06a9\u0646\u06cc\u062f:<\/p>\n<ul>\n<li>\u0637\u0644\u0627: \u0627\u06af\u0631 \u0627\u0632 \u0631\u06cc\u0633\u06a9 \u0645\u06cc\u200c\u062a\u0631\u0633\u06cc\u062f\u060c \u062e\u0631\u06cc\u062f \u0637\u0644\u0627\u06cc \u06a9\u0645 \u0627\u062c\u0631\u062a \u0647\u0646\u0648\u0632 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0637\u0645\u0626\u0646\u200c\u062a\u0631\u06cc\u0646 \u0631\u0648\u0634\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc <a href=\"https:\/\/ghesta.ir\/blog\/%d9%be%d9%88%d9%84%d8%af%d8%a7%d8%b1-%d8%b4%d8%af%d9%86-%d8%a8%d8%af%d9%88%d9%86-%d8%b3%d8%b1%d9%85%d8%a7%db%8c%d9%87\/\">\u067e\u0648\u0644\u062f\u0627\u0631 \u0634\u062f\u0646<\/a> \u0627\u0633\u062a. \u0646\u0647 \u0637\u0644\u0627\u06cc \u067e\u0631 \u0627\u0632 \u0632\u0631\u0642 \u0648 \u0628\u0631\u0642 \u06a9\u0647 \u0627\u062c\u0631\u062a\u0634 \u0628\u0627 \u0642\u06cc\u0645\u062a \u0627\u0635\u0644 \u0637\u0644\u0627 \u0628\u0631\u0627\u0628\u0631\u06cc \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/li>\n<li>\u0628\u0648\u0631\u0633: \u0627\u06af\u0631 \u0622\u0645\u0648\u0632\u0634 \u062f\u06cc\u062f\u0647\u200c\u0627\u06cc\u062f \u0648 \u0635\u0628\u0631 \u062f\u0627\u0631\u06cc\u062f\u060c \u0628\u0627\u0632\u0627\u0631 \u0628\u0648\u0631\u0633 \u0628\u0627\u0632\u0627\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062f\u0631\u0622\u0645\u062f \u0628\u0644\u0646\u062f \u0645\u062f\u062a \u0628\u0631\u0627\u06cc\u062a\u0627\u0646 \u0628\u0633\u0627\u0632\u062f \u0628\u0647 \u0634\u0631\u0637\u06cc \u06a9\u0647 \u0647\u06cc\u062c\u0627\u0646\u06cc \u062e\u0631\u06cc\u062f \u0646\u06a9\u0646\u06cc\u062f.<\/li>\n<li>\u0631\u0645\u0632\u0627\u0631\u0632\u200c\u0647\u0627: \u0647\u06cc\u062c\u0627\u0646 \u0627\u0646\u06af\u06cc\u0632 \u0648 \u067e\u0631\u0646\u0648\u0633\u0627\u0646. \u0627\u06af\u0631 \u0622\u0645\u0648\u0632\u0634\u200c\u0647\u0627\u06cc \u0644\u0627\u0632\u0645 \u0631\u0627 \u062f\u06cc\u062f\u0647\u200c\u0627\u06cc\u062f \u0648\u0627\u0631\u062f \u0634\u0648\u06cc\u062f. \u062f\u0631 \u063a\u06cc\u0631 \u0627\u06cc\u0646 \u0635\u0648\u0631\u062a \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0646\u06cc\u0633\u062a\u060c \u0642\u0645\u0627\u0631 \u0627\u0633\u062a.<\/li>\n<\/ul>\n<p>\u06cc\u0627\u062f\u062a\u0627\u0646 \u0628\u0627\u0634\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06cc\u0639\u0646\u06cc \u0633\u0627\u062e\u062a\u0646 \u0622\u06cc\u0646\u062f\u0647\u060c \u0646\u0647 \u0641\u0642\u0637 \u062e\u0631\u062c \u0646\u06a9\u0631\u062f\u0646 \u062f\u0631 \u062d\u0627\u0644.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8846\" src=\"https:\/\/ghesta.ir\/blog\/wp-content\/themes\/maktub\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-2.jpg\" alt=\"\u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc\" width=\"1500\" height=\"1213\" data-srcset=\"https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-2.jpg 1500w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-2-300x243.jpg 300w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-2-1024x828.jpg 1024w, https:\/\/ghesta.ir\/blog\/wp-content\/uploads\/2025\/07\/\u0645\u062f\u06cc\u0631\u06cc\u062a-\u0628\u062f\u0647\u06cc-\u0639\u06a9\u0633-2-768x621.jpg 768w\" data-sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%D8%A8%D8%B1%D8%A7%DB%8C_%D9%85%D8%AF%DB%8C%D8%B1%DB%8C%D8%AA_%D8%A8%D8%AF%D9%87%DB%8C_%D8%A8%D8%A7%DB%8C%D8%AF\"><\/span>\u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc \u0628\u0627\u06cc\u062f:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>\u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u062a\u062d\u0644\u06cc\u0644 \u06a9\u0646\u06cc\u062f: \u0686\u0647 \u0645\u0628\u0644\u063a \u0628\u062f\u0647\u06cc \u062f\u0627\u0631\u06cc\u062f\u060c \u0686\u0647 \u0645\u0642\u062f\u0627\u0631\u0634 \u0645\u0627\u0646\u062f\u0647 \u0648 \u0686\u0642\u062f\u0631 \u0628\u0647\u0631\u0647 \u062f\u0627\u0631\u062f\u061f<\/li>\n<li>\u00a0\u0627\u0648\u0644\u0648\u06cc\u062a \u0628\u0646\u062f\u06cc \u06a9\u0646\u06cc\u062f: \u0627\u0628\u062a\u062f\u0627 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0631\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u062f\u060c \u0633\u067e\u0633 \u0628\u0631\u0627\u06cc \u0628\u0642\u06cc\u0647\u200c\u06cc \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u0645\u0627\u0647\u06cc\u0627\u0646\u0647 \u0628\u0648\u062f\u062c\u0647 \u0628\u0646\u062f\u06cc \u06a9\u0646\u06cc\u062f.<\/li>\n<li>\u00a0\u0628\u0631\u0646\u0627\u0645\u0647 \u0631\u06cc\u0632\u06cc \u06a9\u0646\u06cc\u062f: \u0628\u0627 \u0686\u0647 \u0631\u0648\u0634\u06cc \u0648 \u0637\u06cc \u0686\u0647 \u0645\u062f\u062a\u06cc \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u062f \u0627\u0632 \u0634\u0631 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u062e\u0644\u0627\u0635 \u0634\u0648\u06cc\u062f\u061f<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%D9%86%DA%A9%D8%A7%D8%AA_%D9%BE%D8%A7%DB%8C%D8%A7%D9%86%DB%8C\"><\/span>\u0646\u06a9\u0627\u062a \u067e\u0627\u06cc\u0627\u0646\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/ghesta.ir\/blog\/%d9%85%d8%af%db%8c%d8%b1%db%8c%d8%aa-%d8%a8%d8%af%d9%87%db%8c\/\">\u0645\u062f\u06cc\u0631\u06cc\u062a \u0628\u062f\u0647\u06cc<\/a> \u0641\u0642\u0637 \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u0642\u0633\u0627\u0637 \u0646\u06cc\u0633\u062a\u060c \u0628\u0644\u06a9\u0647 \u0647\u0646\u0631 \u0627\u06cc\u062c\u0627\u062f \u062a\u0639\u0627\u062f\u0644 \u062f\u0631 \u0632\u0646\u062f\u06af\u06cc \u0645\u0627\u0644\u06cc\u0633\u062a. \u0648\u0627\u0642\u0639\u06cc\u062a \u0627\u06cc\u0646\u200c \u0627\u0633\u062a \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0642\u0633\u0637 \u0641\u0642\u0637 \u0628\u062e\u0634 \u06a9\u0648\u0686\u06a9\u06cc \u0627\u0632 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc \u0627\u0633\u062a. \u0627\u0635\u0644 \u0645\u0627\u062c\u0631\u0627 \u0627\u06cc\u062c\u0627\u062f \u062a\u0639\u0627\u062f\u0644 \u0627\u0633\u062a \u0628\u06cc\u0646 \u062e\u0631\u062c \u06a9\u0631\u062f\u0646 \u0628\u0627 \u0647\u062f\u0641\u060c \u067e\u0633 \u0627\u0646\u062f\u0627\u0632 \u0648 \u0631\u0633\u06cc\u062f\u0646 \u0628\u0647 \u0631\u0648\u06cc\u0627\u0647\u0627\u06cc \u0628\u0632\u0631\u06af.<br \/>\n\u0648\u0642\u062a\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u062a\u062d\u062a \u06a9\u0646\u062a\u0631\u0644 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