Mahine ke aakhir me aksar ye sawal satata hai ki salary aayi to thi, gayi kahan? Iska jawab hai budget ka na hona. Monthly budget ka matlab kanjoosi karna nahi hai, balki apne paison ko sahi disha dena hai taaki zaroori kharche bhi ho jayein aur bachat bhi ho. Chaliye seekhte hain budget banane ka sabse asaan tareeka.
Budget banane se pehle ye samjhein
Budget banane ka pehla kadam hai apni kul monthly aamdani likhna. Uske baad pichhle do-teen mahine ke kharchon par nazar daalein aur unhe teen hisson me baantein: zaroori kharche jaise kiraya, rashan, bijli-paani aur EMI; chah wale kharche jaise bahar khana, shopping aur manoranjan; aur bachat ya nivesh. Ye tasveer saaf hote hi aapko pata chal jayega ki paisa kahan beh raha hai.
50/30/20 rule: sabse asaan formula
Budget ke liye duniya bhar me mashhoor 50/30/20 ka niyam bahut kaam ka hai. Iske mutabik apni aamdani ka lagbhag 50 pratishat zaroori kharchon par, 30 pratishat apni ichchhaon par aur kam se kam 20 pratishat bachat ya nivesh par lagayein. Ye koi pathar ki lakeer nahi hai, aap apni sthiti ke hisab se isme thoda badlav kar sakte hain, lekin bachat ka hissa nikalna sabse pehle zaroori hai. Salary milte hi bachat ki rakam alag kar dein, bache hue paison se mahina chalane ki aadat daalein.
Kharchon par nazar kaise rakhein
Budget kagaz par banana asaan hai, us par tikna mushkil. Isliye roz ke kharchon ka hisaab rakhna zaroori hai. Mobile par kai muft apps milte hain jinme aap kharcha turant darj kar sakte hain, ya ek sadharan diary bhi kaam kar sakti hai. Hafte me ek baar apne kharchon ki sameeksha karein. Aap hairan honge ki chhoti-chhoti cheezon par kitna paisa nikal jata hai, jinhe thoda niyantrit karke badi bachat ki ja sakti hai.
Budget ko tikaye rakhne ke niyam
Pehle, hamesha aapaatkaaleen kosh banayein jo 3 se 6 mahine ke kharchon ke barabar ho, taaki musibat ke samay udhaar na lena pade. Dusra, karz, khaas taur par credit card ka karz, budget ka sabse bada dushman hai, isse door rahein. Teesra, har 3-4 mahine me apne budget ki sameeksha karein kyunki salary, kharche aur lakshya badalte rehte hain. Yaad rakhein, budget aapko bandish me nahi rakhta, balki aapke paison par aapka niyantran deta hai.
