Toh hamnai apnai phele do articles mai jana ke personal finance kya hai aur hamara phla kadam kya hona chaheyai personal finance ko le kar.
Aaj ham is post mai janai gai ke akhir kaise ham apnai personal finance ko organize kar sakte hai aur kis tarekai sai hame personal finance ka planning karna chaheyai.
Toh bina daire kiyai chaleyai isse shuru karte hai.
4 Simple but bohot he important steps hai financial freedom panai ka jisko apko karna zaroori hai agar ap wakaihi apna dream life jina chahtai ho.
- Knowing How Much Money You Want
- Budgeting
- Investment
- Side Hustle
Knowing How Much Money You Want
Apko kya lagta hai ke apko kitnai paisai chaheyai jo apko financial free kar dege 3 crore 4 crore, jo bhi apnai choose kiya hai in dono mai sai woh galat hai, aur ismai apke galti nahi hai.
Almost sab he log ishe tarha sochtai hai ke unhai croro rupee chaheyai tabhi jakar woh financially free ho Pygai but yeh sach nahi hai.
Apko kitnai paisai chaheyai financially free honai kai liyai yeh depend karta hai ka mahinai ka kharcha kitna hota hai or totally ap saal mai kitnai paisai kharch karte ho.
Aur Simply Apnai Annual kharchai ko 4% se divide karre toh apko pata chal jayga ke kitna paisa aapko financially free kar dega. Yeh bina inflation ka hai thik hai ap ismai har saal ke inflation ko bhi add lo toh kuch amount aur baar jayga.
Ek example se isko samajte hai suppose karre ke apkaa mahina ka kharcha 50,000 matlab apka annually 6 lakh rupya kharch hota toh ap agar merai deyai gaya formula se isko nikalo gai toh apko financially free honai kai liyai bass 1 Crore 50 Lakh rupee lagay gai.
Matlab aap agar itna paisa jama kar letai ho toh ap apne anai wale 30 saal tak bina kaam kiyai kar sakte ho.
Aur yeh maat tension lo ke 30 saal baad kya hoga kyuki tab tk compound effect ke madad se apka paisa aur bhi baar jayga agar isko sahi waqt aur jaga mai invest karte ho jo mai apko bata duga usska tention maat lo.
Toh phele toh apko yeh malum karna hoga ke apko kitnai paise chaiheyai apkai goal ko achieve karnai kai liyai aur yeh figure apkai mahina ka expense agar barta hai toh usshe tarekai se change hoga.
Jismai koi harz nahi hai insaan ka life style hamsa same nahi rahta toh apko quaterly aakai ek baar check karna hoga ke apka kharch akhir same hai yah fir koi fark aya hai.
Budgeting
Jab ap yeh janlo ke apko kitnai paise chaiheyah financial freedom achieve karne kai liyai tab apko personal finance kai second rule ke taraf barna chaiheyah jo ke hai budgeting.
Ap apnai paisai ko kaha kharch kar raheho kis liyai kharch kar rahe ho woh apko hamesha dhyan rakhna zaruri hai.
Ham apne ammara ke zindagi mai apnai paiso kai liyai apna time ka exchange karte hai.
Roz roz ka 9 to 5 job kai baad jab hamarai haath mai salary aati hai toh hammai yeh sochtai ke yeh toh hamari mehnat ke kamai hai toh ham isse party karegai or apnai maan pasand chizai kharedai gai.
Magaar ham yeh bhul jate hai ke un paiso ko kamanai kai liyai haame kitnai din or ghanto ko exchange karna parra.
Chalyai ham ek example le kai samj te hai ke apkai woh paise kamanai mai kitna saamai ko apna kaam karnai mai guzaara hai.
Suppose karte hai ke ap ke salary 25000 rupee mahinai ke hai aur hafta kai 26 din ap kaam karte ho toh kya lagta per day kai hisab se kitna kamatai ho gai.
Ap har din 961.5 rupee kama rahai aur agar haam haar ghantai ke hisaab se dekhai toh ap 40 rupee kama nai kai liyai ap ek ghantai ko apna exchange kar rahe ho.
Matlab ap agar kuch bhi kahrid nai jao gai 40 rupai ka toh ap apne 1 ghantai ko us chiz kai liyai exchange kar rahai ho.
Toh kya pehle apnai kabhi aysa socha tha, toh kabhi be ap kuch aysa kharid nai jao jo apko lagta hai ke apko khushi degi phle toh yeh socho kya yeh chiz merai liyai itna mainai rakhte hai ke mai apnai ghanto kai paisai iske liyai exchange karru.
Agar hai toh thik hai aur agar nahi toh mai yeh samaan nahi kharidu ga yakin manyai yeh apko logical thinking karte hua fizul kharcho sai bachai ge.
But sirf pasai bachanai se ap financially free nahi ho jao gai apko invest bhi karna hoga jo haam next section mai dekhai gai.
Investment
Yeh sab se important role play karta hai apkai financial freedom ko hasil karnai kai liyai ap soch bhi nahi sakte ap binaa kuch kiyai bass ek jaga apnai paiso ko latai huai kitna paisa gain kar sakte ho.
Jab investment ke baat aate hai ek ordinary insaan baas FD or Real State mai he phasa rahtaa hai.
But woh yeh bhul jaatai hai ke yeh FD bus 6 percent kai aas pass barta hai aur mahgaye 7 per ke rate sai barte hai toh bhale he apko harr saal paisa barte huai nazaar ay magaar asal mai toh ap apna paisai kho rahe ho.
Toh mere yeh guzariss hai apsai ke apnai paiso ko FD mai na rakhe kyuki agar ap FD mai paisa rakhe gai toh apka finacial freedom achieve karnai ka sapna sapna he rah jayga.
Toh agar haam paisai FD mai nahi lagyai toh lagyai kismai?
Stock market mai janta hu iska naam sunkai ap thora dar gayai hogai magar isse ap zarur familiar toh hogai he.
Personal finance ka yeh woh tisra kadaam hai jo apko apka dream life achieve karnai mai madaad kare ga.
Stock market utna daraunaa nahi hai jitna haam samaj tai hai, kyu ki haam yaha long term investment ke baat karrahai hai aur yeh naah bhulai dunyai mai 10 sabse successful insaano mai se ek woh hai jo sirf stock mai invest karta hai.
Aur unka naam hai warrent buffet.
Stock market mai un logo ka nuksaan hota hai jo sirf profit ke liyai atte hai aur bina kuch sochai samjai invest kardetai or unlogo ka jo trading kar te hai.
Aur mai aur jitnai bhi log jo jinhonai financial freedom achieve karliyai hai woh apko yahi suggest karro index fund mai invest karno, kyuki ismai invest karke ap apnai country jo ki india hai uskai top stocks kharid rahe ho.
Ismai koi risk bhi nahi kyu ki raato raat toh koi company dubnai toh wala nahi aur yeh index fund agar koi company dub raha hai toh ussai paisa nikal kai us company mai invest kar dega jo future mai accha perform kar sakta hai.
Aur ismai apka invest karnai ka fayda yeh hai ke yeh apko 10 sai 12 % ka annual return de sakta hai jo ke FD se lakh guna accha hai.
Ek baat aur yeh index fund short term mai fluctuate ho sakta hai magaar ismai long term mai apka fayda he hoga kyu ke yeh compound interest kai hisab se barta.
Jaisai ke suppose kijyai apnai 1000 rupee invest kiya toh aglai saal 10% kai hisaab se 1100 rupay hojygai magar uskai aglai saal apko 1210 rupai milai gai kyu ki apko us 100 rupay mai bhi interest milai ga joh apnai pichlai saal banayai hogai.
Yeh topic yaha already bohot lamba ho raha hai toh iskai liyai aur bohot baate hai jo ap se apnai is personal finance ke series ke aglai post mai discuss karuga.
Side Hustle
Side Hustle mere hisab se otna he zaruri hai jitna ke investment kyu ki iskai madaad se ap apnai amount jo apko financially free karega woh jaldi achieve kar paaogai.
Kaise toh aayai jantai hai? Ap agar 9 to 5 job kar rahe hai toh apko mahinai ke end mai ek fix salary he milai ga. Ab just suppose kijyai ke ab 9 to 5 job toh karte hai lekin apnai chutte kai din har sunday kuch or paisai kamanai ke liyai side hustle karte hai.
Yah fir roz subha thora jaldi utkai apna kuch karte hai extra income kamanai ke liyai jaisai ki video editing, dropshipping or woh koi bhi chiz jiska abhi market mai value yeh.
Toh issai ap extra income apnai salary ke ilawa generate kar rahe ho suppose karte hai ke ap haftai mai 2 video editing ka kaam uthate ho or ap ek video ka 799 charge karte ho matlab ap mahinai ke 8 video edit kar rahe ho 6392 rupai extra kama rahe ho.
Aur ap apnai collegues or dosto sai bohot agai ho kyuki yeh extra paiso ko ap invest kar sakte ho jo ke long term mai compound hoke apko unexpected return de sakta hai.
Well agar ap video editing yah dropshipping nahi karna chahte ho toh bohot sarre dusre side hustle idea’s hai jo ap kar sakte ho, jasai ke thumbnail creation, blog post writing, ad generation, social media content creation, domain flipping or bohot kuch.
Just apko apne comfort zone se nikal ke thora or mehnat karna hoga agar ap sahi mai financially free hona chahte ho.
Toh aaj ka yeh blog post mai yahi khatam karta hu mai aasa karta hu ke apko isse paar kar kuch naa kuch toh sikhanai mila hoga.
Aur ek baat mai abhi financial freedom ka series bana raha hu aur yaha mai haar haftai Thursday ko shaam 5 baje naya blog post publish karru ga.
Toh apke saath abhi personal finance ke baare mai bohot kuch share karna baki hai.
So Khuda Hafiz, miltai hai apne next article mai.
