Budget Plan Kyou jaruri hai, Badget ki 7 बाते जो आपको आर्थिक आजादी दिला सकती है.

    7 Parts of Best monthly budget planning In Hindi

 

sabhi samjhdar family ka ek fixed budget planning hoti hai jise follow kar ke ve aarthik aajadi pa leta hai. ham sabhi ne kai aisee family dekhi hogi jinki monthly income to kam hoti hai par vo is income me aisa adjust karte hai ki unko kabhi bhi money problem nahi hoti hai. Vahi kuch family aisi bhi hai jinki best income hone ke bad bhi hamesa money related problem me bane rahti hai.

aaj mai aapko budget Planning ke bare me details se batane ja raha hu jise follow kar aap aarthik aadaji pa sakte hai.

What is Budgeting ya budget planning kya hia

                                                                                        Budgeting ek process hai jisme ham apne monthly expense ko income ke anusar plan Karte hai. or apne priority expenses par dhayn deta hai or unwanted expenses ko kam Karte hai. sath hi feature ke expenses ko plan karte hai.

The importance of Budgeting, Budgeting kyou jaruri hai.

Chuki budget planning me ham apne monthly expense ko earning ke anusar plan karte hai. jis vajah se budgeting yah insure karti hai ki aap jo chahte hai or jo jaruri hai  us kam ke liya enough money ho. yadi aap propper budget plan karte hai to aapko aaj or kal ko aarthik rup se majbut karte hai.

yadi monthly budget planning kuch aaisi ki jaya ki aapko money problem na ho sare important kam pure ho jaye sath me aapke future ke goal jaise Home planning, Car,  best education for childrin and retairment plannig bhi ho to kitni achhi bat hai.

best budget plannig ke liya aapko aapni income ko niche diye 7 parts me devide karna hai or aape  aaj or kal behtar bana sakte hai.

7 Parts of Best Household Budget  Planning

  1. sabse pahle apni monthly income ka kam se kam 15 % part ko investment ke liya nikal de jise aapko share market, mutual fund, ya real state me invest karna hi karna hai
  2. 10 % of monthly income ko child education par invest karni hai
  3. 5 % of monthly income ko lystyle jaise kapde traval or other lifestyle par kharcharna karna hai. aap es amount ko jama karke year me ek bar bhi ghumne ka plan kar sakte hai.
  4. 30% of house hold income ko house rent me use kar satke hai yah amount yadi home loan emi me use ho raha hai to yah % aap adhik bhi kar sakte hai. or home rented hai to idealy yah 20 % se adhik nahi hona chahiye.
  5. 20% of total income ka hi kiran sabji all grosery lana chahiye.
  6. 10% of total monthly income ko hamesa saving account me kisi emergency ke liya rakhana chahiye iska kuch part ka aapko medical ensurance karva lena chahiya. behtar
  7. last me 10 % income ko misselinius expense ke liya rakhana chahiye jo genraly sabhi family me kahi na kahi karch hote rahte hai

uper diye gay 7 ideas about budget plannig will help you. creatr a budget according to this plan. and plan your need and requarments.

hamesa yad rakhe aapke pas aapki monthly income ka 3 guna amount emergency fund me fixed deposit me hona chahiya jo aapko job chud jane ya monthly income ke kisi karan band hone me help karegi or aapko 3-month ka back up pan degi.

Highest Interest on any Saving Bank account.

higest-interest-on-saving-account

Highest Saving account Interest             किसी भी बैंक से

Aaj Kal sabhi k pass kam se kam 1 bank account jarur hota hai. jisme aap highest saving account interest paa sakte hai.

chuki  ham sabhi ke pas saving account balanca jarur rakhte hai. Is saving account balance par bank  interest bhi deti hai jo kafi kam hota hai. Abhi sabhi bank ka Savings Account Interest Rate 4% hia jo kafi kam hai.

vahi kuch banka jaise Kotak Mahindra Bank or yes Bank aissi bhi hai jisme saving account interest rate 6% hai. Aisi kuch hi bank hai jo 6% interest on saving account date hai. Ab yadi yah interest rate fixed deposit interest Rate ke equal ho to Kitna achha hoga.

mai yaha aapko ek trick batlayege jisse aap kisi bhi bank se

jo bank’s savings account interest rate 6%  deti hai,  vo bank ya to aapke area me available Nahi hai ya aap in banks me account open Karna afford nahi kar sakte hai.

Ab saval yah hai ki how to get high interest on bank saving account. means Kisi Bhi bank saving account balance se FIXED DEPOSIT ka interest jitna interest kaise mil Sakta hai. ya maximum interest on saving account kaise prapt kare is ke liyaek simple si trick hai jisme bas kuch seconds aapko hai.  sah is iske other benefits Bhi hai.

Trick for  highest saving account interest on any Bank saving account 

       

Saving account se highest interest rate lene ke liya  bas aapko apne bank account ko internet banking ya online banking se enable Karna hai. aap mobile banking app bhi le sakte hai.  online saving account ke liya aapko bas apne bank se bat Karni.

Internet banking bank ke dwara vah suvidha hai jisme  aap apna bank account ko self-operate or manage karate online banking or mobile banking ke other. benefit bhi hai.  to dekhta hai saving account se fixed deposit jitna return.

Ab app ko Karna kya hai.

1st   enable for online banking or use mobile banking app.

2 nd learn making FIX DEPOSIT  in online banking ya mobile banking app.

Aapke saving account me jo extra  balance hai jiski aane wale kam se kam 7 din tak jarurat nahi hai ko online fixed deposit me convert karde is prakar aapko aapke is amount par fixed deposit interest rate milega.  Aap is fixed deposit ko kam se kam 1 year ke liya kare, jab bhi  aapko is amount ki jarurat hai to is fix deposit ko online  jakar close kar sakte hai. yeh amount aapko same time ya kuch hours me aapke saving account me vapas aa jayega, is tarah aap apne account se adhik se adhik. Interest lesakete hai.

Benefits of this trick

1 normal saving account se adhik interest rate

2 saving ke liye habit develop hoti hai

3 Low Expense karcha  kam Hota hai. Jab aapke saving account me kab balance hota hai to aap  kam kharch karte hia.

5  “warren buffet” ke anusar first invest then expense.  yani pahle save ya invest kare fir baki ko karch kare.

6.its develop invest habit of investing.

  1. Aap ki jo Home Loan, car Loan ki EMIya premium of insurance ya SIP ki date salary ke deposit ke 10 ya 15 din ke bad hai, us date ke 1 din pahle tak ka fixed deposit kar sakte hai jisem bhi aapko  interest mil jata hai.

what My friend doing.

meri ek friend hai vo private job me hai.   jab Bhi uske account me salary deposit hoti hai. jiska alert uske account me aa jate hai. vo turan mobile banking app open kati hai or aane vale 10 dino tak ke important expense ke amount ko chod kar remaining amount ko 3 se 4 parts me divide kar ke in sabhi ki 1-1 years ki fd kar deti hai.

ab jab bhi money ki requirement  hoti hai kisi ek fd ko closed kar deti hai. or amount uske accout me deposit ho jata hai. is prakar use apne account par highest saving account interest milta hai.

kuch bank me Flexi FD ya i wish ke nam se bhi fd ke alternate hai jisem aap apni eaksha anusar fd kar sakte hai. par inka locking period ya locking amount hota hai.

 

 

SYSTEMATIC INVESTMENT PLAN, SIP KYA HAI

SIP

SIP ka pura nam SYSTEMATIC INVESTMENT PLAN hia.  iska matlab hota hai lagatar ek system ke tahat investment karna. yah un logo ke liya ek accha upai hai jo share market ke bare me nahi jante hai or adhik jokhim bhi utana nahi chahte hai. SIP Sk Aisha investment instrument hai jaha gold, mutual fund ya share bazar me invest karna aasan evam surakchit hota hai. Sip me Invester ek nischint frequency me ek nischit amount ko pahle se deside kiya gai share mutualfund ya gold mutual gold Etf fund me invest karta hai.

SIP ek Aishaa investment instrument hai jaha gold, mutual fund ya share bazar me invest karna aasan evam surakchit hota hai. Sip me Investor ek fixes frequency me ek deside amount ko pahle se decide kiya gai share mutual fund ya gold mutual gold ETF fund me invest karta hai.
SIP se ek kahavat sidh hoti hai ki bund bund se hi ghada bharta hai. sip ka purely hindi me arth hai vyavsathith nivesh yogna ise kram badh investment bhi kahna koe galat nahi hoga.

Explanation of Systematic investment plan

Sip  ok aap  is example Se  samjha  sakte hai maan lo aapke pass 50 thousand rupes hai or usko ap sharemarket me invest karna chate hai par aapko share bazar ka koe anubhav nahi hai or aap adhik risk bhi lena nahi chahte hai is condition me aap 5thousand rupes har mah ek nischit date ko kis achhe mutual fund me ya kisi achhi comapny ke share me invest kar sakte hai is amount ko gold ETF me bhi invest kar sakte hai is investment ka antaral frequancy monthly yearly weekly ya daily bhi rakha ja sakta hai. salaried person ke liya yah ek best investment stretagy hai.

BENIFITS OF SIP.

CHOTA NIVEST:- Ek chote amount jaish 500 rupes per month Se BHAI start kar skate hai jise share market ya gold ETF me invest kiya ja sakta hai. jo aapko lambe samya me adhik profit deta hai.

LOW RISK. :- Chuki sip me lagatar kam amount par invest kiya jata hia jisse difrent diffrent rate par invest kiya jata hai jo market ke utar chadav ke risk ko kam kar deta hai.
SUVIDHA  JANAK :- Jab aap ek fix amount avam fix frequancy set kar dete hai to yah amount aapke bank account se autometc debit ho jata hai or iski information aapke pas aa jati hia
NO FRAUD :-  sip ki sari process aapke pachanpatra tatha bank account se hoti hai, yani amount aapke account se debit hota hai tatha sip band karne par ammount aapke account me hi aataa hai.

NO LOCKING PERIOD. Generaly jo bhi investment plans available hote hai vo kuch ek fix lock in period me Hota hai.lekin SYSTEMATIC INVESTMENT  is with no locking period investment plan Hota hai. aap Kabhi bhi band kar sake hai , Kabhi bhi Kuch amount ya pura mount nikal sakta hai.

NO EXTRA CHARG:- IP genraly koe bhi extra amount pay nahi karna hota hia.
Sip me mukhya rup me choti choti amount regular anusasit hokar invest kiya jata hai.

yadi history dekhe jaye to sip se long term me average 25% return milta hai. yah return real rate of intrest ke hisab se lagbhag 18 % hota hai. yani aap mahgai se 18% aage chalte hai jisse aane wale badi sapno jsie makan car, bachoo ke education, ya sadi jaise importent kam jisem kafi adhik rupes lagte hai aasani se kharch kar sakte hai