Hello everyone mai aaj aapko batane wala hu How to Manage your Salary Better
Aap mahine ke starting me jab salary aati hai to king jaise feel karte ho aur end tak chote chote expenses ke liye dusro pe depend ho jate ho.
Aisa karne wale aap akele nhi ho bahot se log apni salary aate hi aisa hi karte hai aur apni salary sahi se manage nhi kar paate hai.
To is article me hum baat karne wale hai kaise aap apni salary ko acche se manage kar sakte ho to ye personal finance ki kuch tips working indians ke liye hai.
Chahe aapki salary 20k ho ya 2lakh ho is tips ki help se aap apni financial life secure bana sakte ho to chaliye start karte hai.
1. Salary Credited- Make Plan
Jaise hi aapki salary credited ho to sabse pahle aapko ek budget plan banana hai kyunki aapko agar nhi pata hai paisa kaha ja raha hai to manage kaise karoge? Chaliye mai aapke liye ek budget plan bana ke deta hu.
50/30/20 rule ko follow kare
50%: Needs pe spend kare jaise (Rent, groceries, bills)
30%: Wants pe spend kare jaise (Shopping, outing , trip, netflix)
20%: Savings and Investment kare
Example:
Salary=1 lakhs
Needs: 50k
Wants: 30k
Saving/Investment: 10k
2. Salary Se Pehle Saving Socho
Jab aapki salary credited ho to sabse pahle aap saving ke bare me socho ye ek rule apna lo saving is your first expense.
jyadatar log kharch karne ke baad jo bach jaata hai use save karte hain, jabki hona iska ulta chahiye.
Tips to Save:
Salary aate hi automatic transfer laga do mutual funds, SIP or high intrest saving account mein.
Start a SIP(Systematic Investment Plan)
3. Emergency Funds- Har Indians ke Pass Hona Chahiye
Emergency funds aapke paas jaroor hona chahiye kyunki life unpredictable hai aapki kabhi bhi job ja sakti hai, aapko kabhi bhi medical emergency ho sakti hai to iske liye aapke paas ek emergency fund jaroor hona chahiye.
Aap ko pata hoga aapka monthly expenses kitna hai to uske hisaab se aapke paas 3-6 months emergency fund hona chahiye.
Aap is paise ko high intrest saving account me rakh sakte ho or aap isko liquid mutual funds me rakh sakte ho isme aapko zarurat hone pe quick access milega aapke paise ka.
4. Debt Hai? Use This Method
Agar aapke upar karz hai jaise credit card ka karz hai ya personal loan hai to use aap is method se chuka sakte ho.
Steps:
Sabse pehle sabse chota loan ya card balance identify karo.
Pehle usse clear karo
Uske baad ek-ek karke sare debts ko clear kar do
5. Insurance- Zaroori Hai, Chahe Young ho ya Old
Kafi log aksar insurance ko ignore karte hai lekin ye negligible nhi hai aur agar aap family ke ek earning member ho to aur aapke upar family dependents hain to aap ise bilkul ignore nhi kar sakte ho.
Health Insurance:
Company jitna cover deti hai wo kaafi nhi hota isiliye aapko health insurance zarooe lena chahiye
Ek individual health policy lo for extra security
Term Insurance:
Term insurance kam paiso ki premium me high cover deta hai
Jab aap earning start kar do tab ek term insurance zaroor le lo
6. Invest Smartly, Don’t Just Save
Sirf saving nahi karo usse wealth nahi banti hai sath-sath aapko investment bhi karna hoga kyunki inflation badhte ja raha hai aure sirf saving se aapka paisa decrease hi ho raha hai.
Best Investment Options for Working Indians:
Mutual Funds: Aap mutual funds me invest kar sakte ho aap large cap company ko target kare sakte ho invest karne ke liye kyunki usme risk bahot kam hota hai.
PPF(Public Provident Funds): Ye investment bahot safe hai aur isme tax free returns hote hai.
Stocks: Agar aap thoda risk le sakte ho aur aapke paas stocks ki knowledge hai to aap stocks me invest kar sakte ho.
Aapko stocks ke baare me acche se janna ho to aap hamare stocks section me jakar stocks ke bare me padh sakte ho hamne wahan bahot sare high return stocks ke bare me bataya hai.
NPS(National Pension Scheme): Ye retirement ke liye best hai.
7. Tax Planning
Aapke salary ka jyada hissa to tax me hi chala jaata hai par ise smartly plan karke save kiya ja sakta hai.
Tips to Save Tax:
Sectrion 80C mein 1.5 lakhs tak claim karo (PPS, ELSS, LIC, EPF)
80D: Health insurance premiums
NPS: Extra 50k deduction (80CCD)
Ye sab plan year end me naa karo is planning ko pahlen hi kar lo jaise april, may me hi ye plan ready ho jana chahiye.
Conclusion: How to Manage your Salary Better
Agar aap in 7 steps ko follow karte ho toh aapki salary chahe jitni bhi ho aap wealth create kar sakte ho aur aap in steps ko follow karo to aap stable rahoge aur aapko koi tension nhi rahega.
Aapka salary hard-earned hai, usse wisely spend karna aur smartly invest karna aapka duty hai
Share this post with your friends and colleagues jo har mahine “salary khatam ho gayi” wali story sunate hain.
FAQ;S: How to Manage your Salary Better
Har mahine kitna paisa save karna chahiye?
Aapko har mahine kam se kam 20% apne salary ka save karna chahiye. Agar possible ho toh 30% tak save karo, especially agar aap young ho aur zyada responsibilities nahi hain.
Salary planning ke liye best budgeting method kaunsa hai?
Sabse popular aur effective method hai 50/30/20 rule –
50% needs
30% wants
20% savings & investments
Isse aap apne kharche control kar sakte ho aur systematically save bhi kar sakte ho.
Kaunsa app use kar sakte hain salary manage karne ke liye?
Aap Walnut, Money View, Goodbudget jaise apps use kar sakte ho. Agar basic tracking chahiye, toh Google Sheets bhi kaafi helpful hai.
Main har mahine salary kharch kar deta hoon, saving possible nahi lagti. Kya karun?
Aapko reverse approach follow karni chahiye:
Pehle saving karo, baad mein kharch.
Salary aate hi automatic transfer laga do SIP ya savings account mein. Start chhoti amount se karo, habit banegi.
Emergency fund banana zaroori hai kya?
Haan, 100% zaroori hai. Emergency fund aapko unexpected medical, job loss, ya travel expenses se bachata hai.
Ideal amount: 3-6 months of your monthly expenses.
Term insurance ya health insurance lena kab start karna chahiye?
Jitni jaldi utna better.
Health Insurance: As soon as you start earning
Term Insurance: Jab aapke dependents (family) ho ya loan liya ho
Young age mein premiums bhi low hote hain.
SIP best hai ya FD?
SIP (Mutual Funds) long-term wealth create karta hai aur inflation beat karta hai.
FD safe hota hai but returns kam hote hain. Dono ka balance hona chahiye. SIP long term ke liye, FD short-term safety ke liye.
Main naye hoon investing mein. Kaise shuru karu?
Start with:
Mutual Funds (SIP)
PPF
ELSS (for tax saving)
Low-risk aur beginner-friendly options hain. Start small and learn.
Tax planning kab se start karni chahiye?
Tax planning April se hi start karo, saal ke end mein panic mode avoid hoga. Use 80C, 80D, NPS jaise sections to save tax smartly.
