Introduction
Aaj ke fast-paced life me paisa manage karna utna hi important hai jitna usse kamaana. Bahut se log salary ya business income to acchi kamate hain, lekin month ke end me unhe pata hi nahi chalta paisa gaya kahan. Ye situation tab hoti hai jab hum apna budget plan nahi banate.
In this guide, we will explore these Budget Banane ke 7 Golden Rules in detail to help you manage your finances better.
Budget ek financial roadmap hai jo hume batata hai ki paisa kaha aa raha hai aur kaha ja raha hai. Agar aap ek strong budget banate ho to aap apne unnecessary expenses ko cut karke apni savings aur investment badha sakte ho.
Chaliye ab detail me jaante hain – Budget banane ke 7 sunehre niyam, jinhe follow karke aap apni financial life ko secure aur better bana sakte ho.
1. Apni Income aur Expenses Track karo
Budget ka sabse pehla aur important step hai apne income aur expenses ka record rakhna.
- Har month aap kitna paisa kama rahe ho aur kitna kharch kar rahe ho, ye likhna zaroori hai.
- Iske liye aap mobile apps (Money View, Walnut, ET Money), Excel sheet ya ek simple notebook use kar sakte ho.
Example: Agar aap har din 200 rupaye coffee aur snacks par spend karte ho, to ek mahine me ye ₹6000 ban jata hai. Agar aapko ye clear dikhe to aap easily decide kar paoge ki ye expense cut karna chahiye ya nahi.
2. 50/30/20 Rule Follow karo
Ye rule duniya bhar me sabse popular aur easy budgeting technique hai.
- 50% Income – zaroori kharche (house rent, ration, electricity, transport, school fees)
- 30% Income – lifestyle spending (shopping, movies, eating out, travel)
- 20% Income – saving aur investment
Example: Agar aapki monthly income ₹40,000 hai:
- ₹20,000 zaroori kharche
- ₹12,000 lifestyle aur hobbies
- ₹8,000 saving/investment
Is rule se aapke kharche aur savings perfectly balance rahenge.
3. Saving ko Expense ki tarah Treat karo (Budget Banane ke 7 Golden Rules)
Aksar log sochte hain – “jo paisa bachega use save karenge।” Lekin reality me end of month usually kuch bachta hi nahi।
Smart budgeting ka golden rule hai – “Pehle save karo, phir kharch karo।”
- Salary aate hi kam se kam 20% apne saving account, RD, FD ya mutual fund me daal do.
- Is tarah saving ek necessary expense ban jayegi.
Example: Agar salary ₹30,000 hai to ₹6000 saving ke liye alag rakh lo, phir bache ₹24,000 ka budget banao.
4. Clear Goals Set karo – Short aur Long Term
Budget tabhi kaam karta hai jab aapke financial goals clear ho.
- Short-term goals (6 months–2 years): Emergency fund banana, credit card bill clear karna, bike/car ke liye down payment.
- Long-term goals (5–20 years): Ghar kharidna, retirement fund, bachchon ki education, foreign trip.
Example: Agar aapka goal 2 saal me ₹2 lakh jama karna hai, to aapko har month ₹8,500–₹9,000 save/invest karna hoga.
5. Unnecessary Kharche Cut karo
Har mahine hum kuch aise kharche karte hain jo avoid kiye ja sakte hain. Jaise:
- Roz roz online food order karna
- Bar-bar branded clothes shopping karna
- OTT subscriptions jo use hi nahi hote
Har kharche se pehle ek sawal poochho – “Kya ye zaroori hai?” Agar nahi, to immediately cut karo.
Example: Agar aapke 3 OTT subscriptions (₹1500/month) hain aur aap sirf ek regularly use karte ho, to baaki cancel karke mahine ke ₹1000 easily save ho sakte hain.
6. Investment ko Budget ka Part banao
Sirf saving karna future secure karne ke liye enough nahi hai. Kyunki inflation ke wajah se saving ka value kam ho jata hai. Isliye investment ko apne budget ka important part banao.
- Mutual funds SIP (Systematic Investment Plan)
- Stock market (long-term)
- Gold investment
- Fixed deposits ya bonds
👉 Example: Agar aap har month ₹5000 SIP me invest karte ho aur 12% annual return milta hai, to 10 saal me aapke ₹6 lakh se zyada ₹11 lakh ban jayenge.
7. Regularly Budget Review karo
Budget banane ke baad ek baar likh kar bhoolna nahi hai। Usse regularly review karna zaroori hai।
- Har month check karo ki aapne plan ke according kharch aur saving ki ya nahi।
- Agar expenses zyada ho gaye to next month unhe cut karo।
- Income badhne par saving aur investment percentage bhi badhao।
Example: Agar aapko lagta hai ki lifestyle expenses 40% ho gaye hain to unhe 30% tak laane ka plan banaiye.
Bonus Tips (Budget Banane ke 7 Golden Rules)
- Emergency Fund banao – Kam se kam 6 months ke zaroori kharche ka fund hamesha alag rakho.
- Debt-free life jeene ki koshish karo – Credit card ke unnecessary use se bacho.
- Family ko budget planning me include karo – Jab sab family members involve hote hain to discipline easy ho jata hai.
- Cash aur UPI ka smart use karo – Har payment card se karne ke bajaye cash me kharch karna limit control karne me help karta hai.
Conclusion
Budget banana paisa ginne ka kaam nahi hai, balki apne future ko secure karne ka ek smart process hai। Agar aap upar diye gaye 7 golden rules of budgeting follow karte ho, to aap apne unnecessary expenses cut karke apni savings aur investments ko systematically grow kar paoge।
Yaad rakho – “Paisa kamana zaroori hai, lekin usse sahi tarike se manage karna usse bhi zyada zaroori hai।”
Budget Banane ke 7 Golden Rules – FAQs
1. Budget banane ke niyam kyu zaroori hain?
Budget banane ke rules follow karne se aap apne kharche control kar pate ho, savings aur investment systematically kar paate ho aur apni financial life secure karte ho।
2. Budget banane ka sabse easy tarika kya hai?
Sabse easy method hai 50/30/20 rule – jisme 50% income zaroori kharche me, 30% lifestyle aur 20% saving & investment me jata hai।
3. Ghar ke budget me kaun se kharche include karne chahiye?
Ghar ka rent, ration, electricity, paani, transport, school fees, medical aur basic lifestyle expenses budget me include karne chahiye।
4. Kya har month budget ko update karna chahiye?
Haan, har mahine apna budget review karna chahiye। Agar income ya expenses badh gaye hain to uske according budget adjust karna important hai।
5. Budget banate waqt sabse badi galti log kya karte hain?
Sabse badi mistake ye hoti hai ki log saving ko last priority dete hain। Pehle kharche karte hain aur bacha hua paisa save karte hain, jabki golden rule hai – “Pehle save karo, phir kharch karo।”
Budget Banane ke 7 Golden Rules:- aagar aapne ye rule follow kar liye to aapko kuch dekhne ki jarurat nhi hai
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