Paise kaise kharch karen, aur kaise bachaye. Yah bahut hi common sawal hai, Aur main isi se juda hua ek jawab dene wala hun.


Ham jo paisa kamate hain vah mainly 3 kamo keliye kamate hain. Pahla hamara jarurat yani needs ke liye, dusra hamara shok yani wants keliye aur teesra savings keliye.


Lekin kain bar log apni needs, wants aur savings ko samajh nahin paate. Jiski vajah se vo galat kharch kar dete hain. Fir nahin bo theek se savings kar paate, nahi apni jarurato ko pura kar pate aur nahi apne shok ko pura kar pate.


How to Save Money in Hindi
How to Save Money in Hindi | Paise Ki Bachat Kaise Kare -  Money Saving Tips Hindi


Aaj main aap ko Elizabeth Warren ki book, All your worth The ultimate lifetime money plan se main aapko aisa system bataunga. Jise aap use kar ke aap apni needs, wants aur savings ko thik tara se manage kar payenge.


Iss system ka basic concept sirf yah hai, aap ko apne income ka 50% apni need per kharch karna hai. Aur 30% apni wants per, aur bacha hua 20% apni savings per. Iss kharcho ko kaise implement karna hai, yahi main aapko aage batane wala hun.


Needs:

Sabse pahle baat kar lete hain needs yani jarurato ki. To ismein aap un kharcho ko shamil kar lijiye, jin kharcho ke bina apka kam nahin chal sakta.


Needs mein aap apne bacchon ki school fees rakh sakte hai. Ghar ka rashan rakh sakte hain, electric bill rakh sakte hain. rent, EMI, mobile ka bill, gari ka petrol, Health Insurance, bus ka bhara yah iss jaisi hi dusri jarurato ki chij rakh sakte hain. Jinka koi bhi alternative nahin hai.


Aap apne jarurat ko calculate kariye. Aur koshish kariye ki un sari jarurato ko aap apne monthly income ke 50% ke andar lekar ajaye.


Agar aap ek comfortable life jina chahte hain to yah bahat jaruri hai. Agar aap ko lagta hai ki 50% kaam ho raha hai to 60% kardijiye. Lekin wants ko 20% kar sakte hai.


Lekin fir aap ko iss rules ko puri tara se follow karna hoga. Aur aapko yah bhi dhyan rakhna hai hi, ki future mein aap ko iss niyam ko break nahin karna hai. Jaab aap ki income bade to bhi aap apne needs ko monthly income ke 50% se upar na jane dena.


Wants:

Wants ke andar aap apne bho kharcha rakh sakte hain, jo aap karna chate hain per jaruri nahin hain.


Ho sakta hai ek new mobile kharid na, Lekin jaab ki apka purana mobile bhat hi achhi tara se kam kar rahe ho. To yah jo kharch hua bo aap ki jarurat nahi, walke aap ki chahat hai, wants hai.


Aise hi holiday per jana, hotel mein khana khana, expensive kapde kharidna and much more. Jo aapki jarurat mein nahi lekin aap ki chahat mein hai. Apko karna yah hai ki, in kharcho ko aap dushre hisse mein kharch kariye. Jo apne wants keliye nikal ke rakkha hai.


Yani ki agar aap ka salary 10,000 rupya hai, aur aap hotel mein khana khana chahte hain yah expensive mobile phone kharidna chahte hain. To apko bo sare kharche apke monthly income ki 30% yani ki 3000 rupiye se hi kharch karna hoga.


Yani agar apka phone 12000 rupiya hai, to apko 4 month taak 3000 rupiya ko save karna chahie taab apko bo new mobile phone kharid na chahiye.


Aur agar aap hotel mein khana khane keliye excited hain, to aap yah decision lijiye ki aap 1 bar khae yah 10 bar mahine mein aapko apne wants per apne income ka serf 30% amount hi kharch karna hai. 


Agar aap apne need ko 50% se increase karke 60% kar diya hai, to Yahan aap ke wants mein apke pass kharch karne keliye limit serf 20% hi bachta hai. Yah baat ka dhyan jarur rakhiye ga.


Savings:

Ab Baat ata hai savings ka, iss hisse mein puri imandari ke sath apko apni income ka 20% hissa save karna hai. Aap ko samajhna hoga aap agar yahan cheating karenge to Long-Term mein apko hi nuksan hoga.


Aur agar aap aisa nahin chahte to fir aap puri imandari se aapke income ka 20% hissa jarur save kare. Iss savings mein kam se kam 10% hissa cash mein jama kare. Aur baki 10% paise ko aap shares, bonds, Fd yah kuch aur jaga invest karsakte hain.


Doston agar aap achcha khasa kamate hain aur apne aap per control kar sakte hain. To main aapko yakin dilata hun ki aap in tariko ko asani se follow kar payenge. Aur apne Life mein apni needs, wants aur savings ko asani se manage kar payenge.


All Your Worth Book:

Agar baat karen iss book ki to iss book ka link yahan per main di huyi hai. Ab chahe to iss link per click karke iss book ko purchase bhi kar sakte hain.


Per iss kitab ka basic concept sirf yahi hai ki 50% paisa aap ko apne needs per kharch karna hai, 30% paisa wants per aur 20% savings mein lagana hai. Aur agar aap aisa kar lete hain to, apko life mein kabhi problem nahin ayegi.


Aur main ebhi samajhta hun ki, kain bar aapke pass Itni income hoti hi nahin, ki aap apne needs ke sath apne wants aur savings per focus kar sako.


To agar aap iss problem ka shikar hai, to aap mujhe comment karke bata sakte hain, main aapko bataunga aap kish tarah kam income karke apne savings per focus kar sakte hain.

Also Read: 

How to Save Money - 5 Best Ways to Save Money in Hindi

What is Mutual Fund Basic For Beginners - How to Save Money Online In Hindi

hich Bank is Safe For Fixed Deposite Hindi

To apko yah artical kaisa laga aap comment karke jarur bata sakte hain. Aur agar article achcha laga hai, to iss artical ko apne social media per share jarur kijiega. Aur sath mein mera iss website ko subscribe karna mat bhuliye ga.

Post a Comment

Previous Post Next Post