Budget kya hota hai? Ek plan jis se hum apne aane wale aamdani aur kharcha ka hisaab karte hain. Hum apne budget ke zariye apna kharcha plan karte hain aur ye bhi jaan paate hain ke hum kitne paise bacha payenge. Is se hum ye bhi jaan paate hain ke kahin hamare kharche hamari aamdani se badh toh nahi rahi. In summary, ek budget se hum apne personal finances ache se manage karte hain.
Aksar hum me se kaafi log budget banane se ghabrate hain. Isiliye, aaj hum jaanenge ki:
Budget do tareeke ke hote hain?
Short-Term (kam samay ke liye)Short-Term budgets generally ek saal ke time period ke liye bante hain.
Long-Term (lambe samay ke liye)
Long-Term ussey zyada jaise ki 5, 10, 20 saal ke.
Budget ke kya benefits hote hain?
- Humare financial goals ko manage karta hai
- Humare kharcho ka dhyan rakhta hai taaki hum apni limit se zyada spend na karein
- Savings improve karta hai
- Debt me jaane se bachata hai
- Hamare money ko better tareeke se control karta hai
- Stress me aane se bachata hai
Chalo maan lete hain aapko naye kapde khareedne hain. Budget taiyyar hone se aap yeh jaan sakte hain ki aap un kapdon par kitna amount sped kar sakte hain ya fir kis limit tak money spend kar sakte hain.
Budget hone se aap apne funds ko idhar udhar allocate (baantna) kar sakte hain aur extra needs jaise chhuttiyaan, naya ghar, emergencies, ya retirement ke liye bhi amount alag se rakh sakte hain.
Budget kaise bana sakte hain?
Budget create karna sab ke liye ek different process hota hai aur har koi alag tareeke se apna budget taiyyar karte hai. Aise kuch tareeke hain:
Pen
aur paper
Spreadsheet ya excel jaise tool
Online budgeting softwares
Budget create karne ka koi ek sahi tareeka nahi hota hai. Kis tarah se budget banana hai, ye simply ek personal choice hoti hai.
Lekin, aise kuch steps zaroor hain jinhe aap follow kar sakte hai apna budget banane ke liye:
Josh Talks aapke lie lekar aya hai ek simple Budget Planner jo aapke maasik aur saalana budget ko plan karne me madad kar sakta hai. Aap iss sheet ko download karke isme zaroori changes kar sakte hain.
Budget create karne ke
ek accha tareeka hai 50/30/20 rule
50/30/20 rule ke hisaab se
Aap apni 50% income apni ‘needs’ ke liye rahein. Needs vo cheezein hoti hain jinke bina aap jee nahi sakte: groceries, rent, debt payments jaisi payments is category me aati hain.
30% income ‘wants’ ke liye rakhein. Wants me vo cheezein aati hain jo hume basic survival ke liye to nahi chahiye hoti magar unki hume icchha hoti hai: movie tickets, shopping etc.
Lastly, 20% income aap savings ke liye rakhein
For example, maan lete hain aapki monthly income Rs. 10,000 hai. Isme se aapne Rs. 5,000 needs par kharch kara. Rs. 3,000 aapne non-essential, yaani vo cheeze jo jo aapki wants me aati hai, unpar spend kara. Finally, aapke paas Rs, 2,000 bachega jo aap save kar sakte hain aur emergency me use kar sakte hain.
Budget banana shuruaat me mushkil lag sakta hai. Isliye aap chhote interval ke liye budget banana shuru karein, jaise ki maasik budget, aur uske baad saalana budgets par jaayein. Yaad rakhein, budgeting financial planning and financially independent hone ka ek bahut hi zaroori hissa hota hai aur issey aapki financial life kaafi simple ban sakti hai.
