Student loan yeh bohot common ho gaya hai aaj kal apnai graduation ko complete karnai kai liyai lekin kya apko pata hai agar ap isko letai hai toh agai jakar appar kitna bhare paar sakta hai khas karkai India mai jaha jobs milna bohot mushkil ho gaya hai.
Toh agar ap student leto ho toh apko bohot soch samj ke lena hai kyu ke apnai parai ko complete karnai kai baad usko apko he bharna hai.
Aur agar apnai already student loan le rakhaa hai aur abhi usko kaise bhare samaj nahi aa raha toh pehle toh relax hojaoo aur tension maat lo kyu ki ussai kuch nahi honai wala.
Mai yaha apko jo bhi mainai apnai research kai mutabik aur kuch apnai bhi techniques share karu ga jo apko isse jald se jald complete karnai mai madad krega.
Toh bina dere kiyai chalyai isse shuru karte hai, but ussai phele mai ek special tip dena chahu ga jo abhi abhi student loan le rahe hai.
Aur woh tip hai abhi se kuch side hustle karo, passive income source banao aur usko invest karo aur jitna zyada se zyada earn kar saktai ho karo.
Kyuki agar aap abhi se he earn karo gai aur invest karo gai, toh jab tak apka student loan denai ka time ayga tab tak apkai pass kuch paisai ho chukai hogai jo apko usko khatam krne mai madad krega.
Toh chalyai aab jantai hai ke apnai student loan ko akhir complete kaise kare.
Life Inflation
Apnai dekhaa he hoga jab log jyada paise kamane lagtai hai tab unkai kharchai barr jatai bass apko wahi galti nahi karni chahai apko jitna bhi lage mujhe nayai shirts nayai jutee naye ghare chahiyai but yeh sab ke zarurat toh apko pehle nahi thi.
Yeh human nature hai jab hamare income bartee hai toh hamara expense bhi barta hai but apko yeh samaj naa hoga ke apke loans ke wajah se ap negative net worth mai ho.
Toh yeh apko decide karnai hai aaj paise ko sahi se manage naa karke kya ap kal apnai zindagi ko daoo mai laganai kai liya tayar ho.
Know What’s Happening
Mere isse yeh matlab hai ke apko sab pata hona chaheyai apnai colleage ko complete karne kai baad ke akhir apka phela goal kya hai aur usse kaise achieve kare.
Aur iskai liyai apko teen 3 chizo ko jaana bohot zaruri hai.
1. What is your Principle Amount
2. How much interest it has
3. How you can pay
Toh sabse pehlai apko graduate hokar yeh dekh na hoga ke aap ka principle amount kitna hai matlab apnai kitna, amount kitna hai aur kitnai percent interest hai jisse woh baar raha hai.
Toh isse apko yeh idea ho jayga ke apko kitnai paise denaa hoga jo ap jald se jald isko complete karsako atleast apko 3 saal tak toh apna loan complete karne ka target rakhna he chaheyai.
Automation
Jab apko pata chal jaaye ki apko kitna monthly payment karna hai jo apko atleast 3 saal mai debt free kardega usko ap ek specific date mai automation mai laga do taake apka salary attai he woh cut jaaye jisai apka time se debt bhi pay hota rahega aur apka credit score bhi accha rahega.
Kyuki yeh koi mamuli expense nahi hai jo kabhi denai se aur kabhi na denai koi faarak nahi parai ga yeh apka loan hai aur ismai interest hamaisa baarta he rahai ga.
Toh isse apko bill kai tarha treat karna hai jaayse ap rent detai ho bijlee ka bill bahartai ho bina koi bahana kiya ushi tarha har mahina apko eese bhi bharna hai.
Taking Loans
Jii haa apnai bilkul sahi sunna taking loans aur isse maira matlab yeh hai ke agar ap dekh rahai ho ke kesi loan mai intest kaam hai apkai student loan kai mutabik toh samjdari ismai hai ke aap us loan ko laile aur apnai student loan ko bhar de isse ap jo phele student loan mai jo interest bhar rahe thai usse ap bachai gai.
Aur apka zyada paisa ap apke interest mai naa jakar apke principle ko bharne mai jayga.
Taking Bhisaa
Mujhe pata nahi ap isse familiar hogai yah nahi but mai jaha rehta hu yaha yeh bohot chalta hai, aur acche baat toh yeh hai ismai apko interest bhi nahi lagta toh akhir yeh hota kyahai.
Isme 10 se 20 jaan milkar ek insaan ko paise detai hai har mahinai jisai unmai sai he koi ek insaan manage karta hai, aur yaha nummber ke hisab se paisa milta hai matlab un 10 yah 20 logo mai apka 5 number hai toh apko 5 weh mahinai mai paisa milai ga.
But yeh jaanlo ke ismai jitnai log hai utnai mahinai aur jaitna paisa woh lagarahai hai utna paisa apko cash apko apne haath mai apke number ke hisab se lagta hai.
Toh apne aasa pass pata lagao jo saalo se isko karta ho aur geniun ho taake apke saath koi fraud bhi naaho aur ap bina interest ke paise bhi uthaa lo aur apna student loan bhar paao.
Small Loans
Agar apnai bohot saare student loans le rakhai hai aur apko nahi pata ki kaise isko complete kare toh sab se jo apkai chotai loans ko complete karo kyuki bhale agar apkai baare loan mai apko interest jyda mil raha ho lekin ek chotai loan ko jab ap complete karegai toh apko accomplishment ke feeling ayga.
Aur ap apnai dusrai loans ko bhi complete karnai mai madad milai ga aur apnai is loan kai bhi paisai ko bhi ap apnai next loan mai laga paao gai.
But merai hisab se yeh apko decide karna he apko konsa loan pehle bharna hai baare loans yah chotai loans kyu ke sab disipline ka khale hai agar apnai baare loans ko pehle bharna hai toh go ahed and do it.
New Income Source
Dekho hamara goal hai ke jaldi se jaldi apnai loan ko complete kare toh agar ap apne job ke ilawa bhi nayai income source banate ho toh yeh apko bohot jald debt free kar sakta hai.
Kyuki jitna jaldi ap loan bharo gai utna kaam apko interest dena ho toh apnai job krte karte bhi free time yah weekend mai extra income bananai ke koshis karo aap freelancing kar sakte ho kyu ki yeh sab se best option mujhe lagta hai.
Conclusion
Is post mai maine apse share kiya kuch techniques jo apko student loan se jald se jald mukti dilay ge.
Hope karta hu ke maira yeh article apko pasand aya hoga agar haa toh is post ko apnai dosto se share kar sakte hai jo student loan ko complete karnai ke soch rahai hai.
Aur haa, mai har haftai thursday ko shaam 5 bje ek naya blog post publish karta hu toh ap mussai wapas agle hafte mil saktai hai.
Maira aur bhi personal finance kai upar post hai jaisa ke emergency fund aur what is the first step of personal finance ap chahe toh unhe bhi parr sakte.
Toh chalyai le ta hu apse janai ke ijazat, miltai ab aglai haftai tab tak kai liyai stay well and stay safe
