Financial Planning for Beginners – Paise Sambhalne Ka Asaan Tarika (2025 Guide)
Financial planning ab sirf experts ke liye nahi hai! Is beginner-friendly guide me sikhiye kaise banaye budget, start kare savings, aur plan kare apna financial future. 1. Apni Income aur Expenses ko Samjho Sabse pehla step hai apni income aur kharch ka record banana. Aapko pata hona chahiye har mahine aap kitna kama rahe ho aur kitna kharch ho raha hai. Tip: Ek simple Excel sheet ya expense tracking app use karo jaise Walnut, Moneyview, etc. 2. Budget Banao – Har Paisa Count Karo Har mahine ek budget banana bahut zaroori hai. Isme likho: Kitna paisa fixed expenses me ja raha hai (rent, bills, EMIs) Kitna flexible expenses me ja raha hai (shopping, outing) Aur kitna bacha raha hai (saving/investment) 50-30-20 Rule follow karo: 50% – Needs 30% – Wants 20% – Savings 3. Emergency Fund Create Karo Zindagi unpredictable hai. Isliye kam se kam 3–6 mahine ke expenses ka ek emergency fund banao. Ye paisa aise account me rakho jahan se turant nikaala ja sake, jaise saving account ya ...