Monthly Salary Jaldi Khatam Ho Jati Hai? Apnayein Ye “Anti-Budget” Formula
Ek aisi strategy jo boring budgeting ke bina aapki savings badhayegi.
Hum sab ke sath aisa hota hai: Mahine ki 1 tareekh ko account ‘Green’ dikhta hai, aur 15 tareekh aate-aate hum “Next month se pakka save karunga” wali mode mein chale jaate hain.
Solution: “Reverse Budgeting” Ya Bucket System
Agar aapko traditional budgeting (kharchon ka hisab rakhna) pasand nahi, toh aapko Reverse Budgeting try karni chahiye. Isme hum ye nahi dekhte ki kitna kharch hua, balki pehle ye tay karte hain ki kitna bachana hai.
1. The 50/30/20 Rule Ka Desi Version
Apni income ko teen hisson mein baantein:
- 50% Needs: Rent, Ration, Bijli ka bill.
- 30% Wants: Bahar ka khana, Netflix, Naye kapde.
- 20% Savings/Investments: SIP, Emergency fund, ya Gold.
2. Automation: Insaan Se Behtar Machine Hai
Zyadatar log galti ye karte hain ki wo mahine ke aakhir mein jo bachega, use save karne ki koshish karte hain. Asli secret hai “Pay Yourself First.” Jaise hi salary aaye, sabse pehle apni SIP ya RD ka amount automatic deduct karwayein. Jo bache, use kharch karein.
Apna ‘Freedom Amount’ Check Karein
Apni Monthly Salary niche likhein aur dekhein aapko kitna save karna chahiye:
Psychological Hack: “The 48-Hour Rule”
Kayi baar hum impulse buying karte hain—wo Amazon sale ya naya phone jo humein nahi chahiye tha. Solution? Jab bhi koi cheez kharidne ka mann kare jo ‘Need’ nahi hai, usse 48 ghante ke liye cart mein chhod dein. 90% cases mein, 2 din baad aapko uski zarurat mehsus nahi hogi.
Ek Pro-Tip: Cash Is King? No, Tracking is King!
Aaj kal UPI se paise kharch karna asan hai par dikhta nahi ki pocket se kitna gaya. Hafte mein ek baar apni UPI statements check karein. Jab aap “Small amounts” (₹20-₹50) ka total dekhenge, toh aap hairan reh jayenge ki ye mahine mein ₹2,000-₹3,000 tak pahunch jaate hain.
Conclusion
Finance koi math ka sawal nahi hai, ye behavioral science hai. Ameer wo nahi jo zyada kamata hai, balki wo hai jo apne paison ko control karna jaanta hai. Aaj hi apne 20% savings ko automate karein aur “Income – Savings = Spending” ka rule apnayein.
Kya aapne is mahine apni savings automate ki? Comment mein zaroor batayein!