Paise Bachane ke 10 Practical Tarike: Aam Zindagi ke Liye - Fingrowmoney

 Maine aaj se 2 saal pehle ek naukri shuru ki thi tab mujhe 10000 hazar salary milta tha phir maine usi salary se ek investment start karne ko soch raha tha tabhi mere ek friend ne mujhe bataye ki tu ek SIP start kar future me kam ayega aur usi din se  maine socha ki meri salary se thoda thoda karke paisa jama karke kyu na main ek SIP karlu aur usi paiso se maine ek SIP start kiya.

1. Pehle Bachat, Phir Kharch.

Salary aate hi 10-15% paise alag kar dein. Bache hue paise se ghar ka kharch chalaayein. Aap kis percentage se shuruat karenge? Wo apki marzi hai lekin aap thoda thoda karke bachana suru kare aur usi paiso se ek achhi jaga investment suru kare.

2. Monthly Budget Banana.

Rojana kharch ko track karein. Mobile apps ka use kar sakte hain ya diary bana sakte hain. Aap konsi app use karte hain? Ya diary? Aap jo bhi use kar rahe ho usme haar ek chiz note karo aap jitna kharcha kar rahe ho wo sab not karke rakho. Agar aap note karke rakhte ho to aapko pata rahega ki maine kab ki chiz ke liye kitna kharcha kiya hai.

3. Ghar Ka Khana Priority.

Office jaane ke liye tiffin le jaayein. Weekend eating out par limit lagayein. Kitne din ghar ka khana le jaate hain? Agar aap office ka lunch ghar se hi le jate ho tiffin se to waha se bhi thodi bachat ho jayegi.

4. Unnecessary Subscriptions Cancel.

Aapke paas kitni OTT services hain? Sirf 1-2 rakhein, baaki cancel kar dein. Aap faltu ki subscription lena band kardo kyunki subscription lene se kya hoga ek to faltu samay barbad hoga aur phir paisa bhi barbad hoga mere hisab se aap aaj tak jo bhi subscription le rahe the sab cancel kar do.

5. EMI Se Bacho.

Nayi cheezein EMI par lene se pehle 2 baar sochiye. Old phone chalana koi burai nahi hai. Koi bhi saman aap kharid ne se pehle ekbar jarur soch lijiyega ki baad me kya hoga EMI par to aap le lenge phir baad me aap hi bolenge ki maine EMI lekar bahut badi galti kar di hai.

6. Smart Shopping.

Sale season ka wait karein. Compare karke hi kharidein. Aap kahan se compare karte hain? Kyunki jyada mehenga rate me kharid kar aap celebrity nahi ho jaoge jaisa ho baisa hi rahoge isi liye dekhabe ki jindegi se bahar niklo tabhi kuchh kar paoge.

7. Electricity Bill Bachat.

Aap electricity ki bachat kaise kare haam aapko samjhate hai aap faltu ki chiz ghar par na use kare jisme aapko jyada electric bill na dena pare.

8. Public Transport Use.

Jahan tak ho sake, personal car kam use karein. Personal car use karne se jyada kharcha aa sakta hai isiliye aap faltu ke liye apna personal car na use kare hamesa long travel ke liye peraonal car use kare.

9. Second-hand Items.

Kuch cheezein second-hand bhi le sakte hain - books, furniture, etc. Kya aapne kabhi second-hand ki koi saman kharida hai agar nahi kharida hai to ekbar jarur ajmaye kaisa hota hai second hand saman.

10. Emergency Fund.

Kam se kam 6 mahine ke expenses ke equal paisa emergency ke liye rakhein. Kitna emergency fund hai aapke paas ye apke upar nirvar karega jitna ho sake aap emergency fund rakhe kyuki emergency fund rakhne se apka bahot fayda hoga future me.

Meri khudki advice agar aap le sakte ho to main kahunga aaj se hi aap inme se 3 ya 4 tips ko jarur follow karke dekhiye. 

 I Hope Aapko Meri baat achhi lagi ho to aapne friend ko share karna na bhule.