Angrezi mein ek kahawat hai, “Change is the only constant”. Matlab yeh ki Change hi ek aisi cheez hai jo sthir rehti hai. Chaahe jo ho jaaye, change ya badlaav hamare sath hamesha rehte hain. Change ke alawa, inflation.
Is inflation ki vajah se na jaane kitni cheezon ki cost badalti rehti hai. Magar yeh inflation aakhir hota kya hai?
Aiye jaante hain ki:
Inflation kya hai?
Inflation ka simplest meaning hai mehngai. Koi cheez, over time, kitni mehengi hoti hai, yahi Inflation hai. Isi inflation ki vajah se humne ab tak kitni cheezo ka amount oopar jaata dekha hai.
Sach to yeh hai ki kal jo hum cheez 100 rupaye me khareedate the, ho sakta hai uska price aaj 200 ho gaya ho. Ya fir, kal jitni 1000 rupae me cheeze aati thi, aaj utni nahi aati. Jaise jaise cheezo ki keemat badhti hai, hamari purchasing power ghatati hai. Yaani, hum cheezon ko kam afford kar paate hain.
Inflation hume kaise affect karti hai?
- Inflation prices badhata hai aur hamari cheeze khareedane ki kshamta ko kam karta hai. Haan, agar aapki income zyada hai inflation se, yaani aap ki jo salary vise growth ho rahi hai vo inflation ke rate se zyada hai, to aapki purchasing power utni kam nahi hogi jitni otherwise hoti. Aur aap par inflation ka utna negativa asar nahi hoga
- Hamari savings ki value kam karta hai. Basically, agar hamari agle mahine savings Rs. 1000 hain, agar inflation zyada hua to hum Rs. 1000 me ho sakta hai kam cheeze khareed paaye
- Retirement planning ko affect karta hai. Jitna hum aim karke chalte hain, jitna hum save karne ka sochte hain, inflation ki vajah se vo kam pad sakta hai. Isi vajah se hume suggest kara jata hai ki hum apna retirement ka target amount increase karte rahe
- Because hume pata hai kal cheeze mehngi hogi, hum aaj zyada saamaan khareedenge. Yaani, saamaan hoard karenge. Hum jis cheez ki zaroorat bhi nahi hogi, hum us par bhi paisa spend karenge bas isi thought process ke sath ki hamara paisa waste na ho
- Zyada se zyada invest karne ke liye motivate karta hai
Inflation se hum kaise bach sakte hain?
Invest karke aur koshish karke ki aapki income grow hoti rahe.
See, savings account me paisa surakshit to hota hai magar Savings account me rakhe paise ka return hume, as compared to other options, kam milta hai.
Maan lijiye hum sirf savings account me hi apna amount rakhte hain. Ho sakta hai jitna return hume savings account se mil raha hai, Inflation rate usse zyada ho jaaye. Isliye zaroori hai hum alag alag investment options me, jahaan inflation rate se zyada return mile, apna paisa lagaye taaki hume Inflation ke rate se zyada investment ka return mile aur hum inflation ke hote hue bhi apni financial life ko smoothly aage badhate rahe.
