Naukri chhoot jana, achanak bimaari ya ghar ki badi marammat — zindagi me aise kharche kabhi bhi aa sakte hain. Aise samay me agar aapke paas taiyar paisa nahi hai to mehnga karz lena pad sakta hai ya apna nivesh todna pad sakta hai. Isi mushkil se bachne ke liye hota hai Emergency Fund — aapki arthik suraksha ka pehla aur sabse zaroori kadam.
Emergency fund me kitna paisa hona chahiye?
Aam niyam ke mutabik aapke 3 se 6 mahine ke zaroori kharche jitni rakam emergency fund me honi chahiye. Matlab agar aapka mahine ka kharch 40,000 rupaye hai to 1.2 lakh se 2.4 lakh rupaye tak ka fund sahi rahega. Jinki aay asthir hai — jaise freelancer ya vyapari — unhe 6 mahine ya usse zyada ka fund rakhna chahiye. Is hisab me EMI, kiraya, khana, bijli-paani aur beema premium jaise zaroori kharche shamil karein; aish-aaraam ke kharche nahi.
Paisa kahan rakhein?
Emergency fund aisa hona chahiye jo zaroorat padne par turant mil jaye. Isliye ise share bazaar ya lambe lock-in wale vikalpon me na lagayein. Sabse achha hai ise roz ke kharchon se alag savings khate ya sweep-in FD me rakhein, taaki ek din me nikala ja sake. Kuch log liquid mutual fund bhi chunte hain, jahan paisa ek-do din me mil jata hai aur savings khate se thoda behtar return milne ki sambhavna rehti hai.
Step by step fund kaise banayein
Pehle apne 6 mahine ke kharchon ka hisab lagayein aur lakshya tay karein. Phir har mahine apni aay ka 10 se 20 pratishat alag khate me dalna shuru karein — SIP ki tarah ise bhi swachalit (automatic) bana dein taaki bhoolein nahi. Bonus ya vetan vriddhi mile to uska ek hissa fund me dal dein. Jab lakshya poora ho jaye to is paise ko chhuein nahi; agar kabhi istemal karna pade to baad me use phir se bharna na bhoolein. Yaad rakhein — emergency fund nivesh nahi, balki suraksha hai.
