Hello everyone mai aaj aapko batane wala hoon Top 10 Financial Mistakes jo har indian apne 20s me karte hain aur baad me ye bolte hai ki agar mai ye mistakes apne 20s me nahi karta to aaj meri bhi financial condition sahi rahti.
To mai aaj aapko bataunga kon-kon si wo galti hai jise aap avoid kar sakte ho aur apne 20s ka acche se use karke apni aage ki financial condition sahi kar sakte ho.
1. No Budgeting – Paisa Aata Hai, Par Jata Kahan Hai?
Aaj ke is zamane me budgeting bahot important hai par young log sunte kaha hai, wo isse boring samajhte hai aur isse ignore karte hain. 20s me sabse zyada mistakes yahin karte hai ki budgeting nahi karte hai.
Lekin bina budget ka aap apni income kka sahi se use nhi kar paate ho to budget banao apnr faaltu ke expenses ko control karo aur uss paise ko save karo, jahan need ho wahan pe kharch karo lekin without need kharch karne se bache.
2. No Savings – Sara Paisa Uda Dena
20s me to aksar log yahi karte hai no savings paisa aaya bas zomato, swiggy, aur netflix karne lagte hai aur month end pe pocket khaali.
To aisa bilkul nahi karna hai savings ki aadat 30s me start karne se to badhiya hai na ki aap isese apne 20s me hi start kar do jisse aapko aage chalkar financial koi dikkat nahi ho.
3. Credit Card Ka Galat Use
Aaj kal to credit card ka istemaal bhi youngsters galat tarike se karne lage hai wo credit card ko free money samajh lete hai aur time pe paisa de nahi paate hai aur intrest pe intrest pay karne rahte hain.
Ye aapko bahot badi financial crisis me daal sakta hai to credit card ka use tabhi karo jab aap uska bill time pe pay kar sako.
4. Emergency Fund Na Banana
Emergency fund na banana ye ek bahot badi financial mistakes hain jo aap 20s me karte hi karte ho to aapko isko avoid nahi karna hai aur ek emergency fund zaroor banana hain.
Aapko kam se kam apne 3-6 months ki income ko emergency fund banao aur ise FD ya Liquid fund me rakho.
5. Financial Knowledge Ki Kami
Ye to common hai har kisi ko apne 20s me financial knowlwdge ki kami hoti hai aur isme aapki koi galti bhi nahi hai kyunki school aur college me hume money management aur financial knowledge to di nahi jaati hai.
To aapko schhol aur college ke bharose nahi baithna hai aapko youtube aur blogs post ke through financial knowlwdge sikhni hai aur apne 20s me hi sikhni hai.
Aap humare blogs ke through bhi apna financial knowledge badha sakte ho humara blog aapko puri tarah financial knowledgeable person bana dega.
6. Tax Planning Nahi Karna
Bahot se log tax planning karte hi nahi hai aur agar aap apne 20s me hi apni tax plannings karoge to aap financial strong ban sakte ho.
Aap ELSS, PPF, NPS fund ke through apna bahot sara tax bacha sakte ho maine iske baare me ek article mein bataya hai aap uss articles ki help se in funds ko samajh sakte ho aur apna tax save kar sakte ho.
7. Investing Ko Delay Karna
Bahot se log apne 20s me investment start nahi karte hai aur sochte hai abhi to hum young hai baad me investing start karenge lekin ye aapki sabse badi financial mistake hai.
To aapko aisa nahi karna hai aapko apne 20s me hi investing start karna hai jisse aapko future me financial koi problem nahi aayegi aur aapka wealth bhi create hoga.
8. Only One Income Source Pe Dependent Rehna
Bahot se log apne 20s me ek hi income source pe puri tarah se dependent rehte hai aur wahan se income aana band hua to financial problem ho jaati hai.
To aapko ye mistakes nahi karna hai aapko 20s me mehnat karna hai aur ek hi income source pe dependent nahi rehna hai saath hi saath me dusre income source ke options explore karte rehna hai.
Aap humare home page pe make money section me jakar bahot se income sources ko explore kar sakte ho aur bahot se income sources generate kar sakte ho.
9. Insurance Ko Ignore Karna
Insurance na lena aur isse avoid karna aapki ek bahot badi financial mistake hai, aap ye sochte honge ki ye uncle-aunty ke liye hota hai.
To aisa nahi hai life unexpected hai kabhi bhi kisi ko ho sakta hai, i pray ki kisi ko kuch ho na ho par life me to kuch bhi ho sakta hai to aapko Term life insurance aur health insurance apne 20s me hi le lena hai.
10. Show-Off Karna – Aur Paise Barbaad Karna
Bahot se log apne 20s me ye common mistake karte hai aur wo hai show-off karna aur show-off ke chakkar me jis cheej ki hume need nahi hain usse bhi kharidna.
To aapko ye financial mistakes to bilkul nahi karni hai.
Conclusion: 20s Mein Smart Decisions = Powerful 30s
Agar aap ye financial mistakes nahi karte ho jo maine is article me bataya hai aur smart decisions lete ho aur is article me bataye gaye knowlwdge ko sikhte ho to aap 20s me wo financial mistakes nahi karoge to aapko apne 30s me koi financial problem nahi hogi.
PaisePaisa.com– Aapka Financial dost!
Agar aapko ye blog helpful laga ho toh share karo aur apne doubts niche comment me pucho.
FAQ’S: Top 10 Financial Mistakes
Kya 20s mein investment shuru karna sahi hai?
Bilkul, Compounding ka fayda sirf early investors ko milta hai. Jaldi start karoge toh zyada benefit milega.
Main ₹500–₹1000 se kya savings ya investment kar sakta hoon?
SIP, RD, digital gold, ya ELSS funds mein chhoti amount se investing start kar sakte ho.
Kya credit card lena 20s mein sahi hai?
Haan, agar smartly use karo toh credit history banane aur benefits lene mein madad milti hai.
