Hey Dosto, Apna nai kabhi na kabhi toh yeh sunaa hoga ke agar apko financial freedom ka thora hoga ke emergency fund kitna bohot zaruri hota hai.
But Akhir yeh hota kya hai ?
Aashaan bhasha mai jab ap itna paisa jama kar letai ho ke apko Bina kaam kiyai 6 mahina aaram se guzar sakte ho usse emergency fund khte hai.
Iskai naam se pata chalta hai ke isse emergency Kai waqt use karna hai naake apnai vacation Kai liyai.
Woh saare log jin honai financial freedom achieve Kiya hai yahi recommend karte ke apko pass lag bhag 3 se 6 mahina ka kharcha hona chahiyai.
Taki suddenly agar ap ka job chala jaye, yah fir kuch aysa hojayai jo unpredictable ho to ap in paiso sai apka life chal sake sahi tarekai sai.
Khas kar ke agar ap youngster ho, kyu ki is waqt apki naye naye job Lage hote hai toh ap Kai haath mai khujli hoti hai in paiso ko urranai Kai liyai.
Lekin is waqt naa apkai pass koi investment rehta hai na backup Jo apkai on sudden situation mai stable rakh sake.
Aur health insurance hona toh zaruri he hai or ap usko ismai include naa karre.
Ap sawal yeh aata hai ke haa Ishan ham jante hai hai emergency fund ke baare mai magar isko banaye kaise.
Yeh bohot simple hai apko discipline maintain karke apnai paiso ko jama karna hoga.
Aur is paise ko apko kahi invest nahi karna hai bass jama karna, kyuki yeh emergency kai liyai hai aur yeh kise bhi waqt lag sakta hai.
Sab se accha tareka hai ke apnai paise ko disipline kai saath apnai savings account mai he jama karro. Kyu ki ap apnai paisai ko emergency kai time easily access kar paaogai but yeh dhyan mai rakhna yeh paisa apka emergency kai waqt he use hoga no matter kitni bhi zarurat paare.
Aur yaha emergency ka matlab yeh hai ke agar apka income flowbaand hojya toh ap isse apna at least 6 mahina ka expense uttha paao.
Kyuki health kai liyai tho apko already health ensurance karake raakhna hai aur jab apka helth insurance already hai toh in paiso ka use karne ka koi tuk nahi banta.
But inflation kaisai mantain kare ? Toh dekho inflation acchanak se toh baar nahi jayga simply apnai paiso ko har saal maintain karro.
Aur waise bhi mujhe nahi lagta ke apko emergency fund ki zarurat 3 se 4 saal se jyda ke zarurat hai kyuki annai walai posts mai secrets batau ga jo apka income flow barna start ho jayga.
Aur apnai fund ko FD mai rakhnai ka sochna bhi maat kyu ki waha ap ka fixed time kai liyai paisa rakha jata hai aur agar ap time se pehle paisa nikal te ho toh apko 1% ka expense kat liya jata hai. Jo ki ap emergency kai time mai hona nahi chahte
Bass yahi tha emergency fund bananai ka tarika main umid karta hu ke maira yeh post apko pasand aya hoga.
Agar maira yeh post apko pasand aya toh isse share kijyai apnai dosto kai saath jo financially free hona chahte hai
Aur hai ham abhi personal finance ka series chala rahe hai jismai haar hafta Thursday shaam 5 baje mai ek blog post publish karta hu.
Toh agar apko maire anai Wale blog posts parnai hai toh aap mairai website mai aa sakte hai har hafta Thursday ko.
Toh miltai hai ab aglai haftai, Thanks for reading 🙂
