Ghar Ka Bajet Kaise Banayein: 50/30/20 Rule Aasan Bhasha Mein

Salary aati hai, aur mahina khatam hone se pehle chali bhi jaati hai. Kahaan jaati hai? Chalo samjhein.

50/30/20 rule kya hai?

Apni monthly income ko teen hisson mein baanto:

• 50% needs: kiraya, bijli, ration, EMI, transport.
• 30% wants: bahar khana, shopping, OTT, ghoomna.
• 20% savings aur investment: emergency fund, SIP, bachat.

Ek example

Agar income ₹40,000 hai:

• Needs: ₹20,000
• Wants: ₹12,000
• Savings: ₹8,000

(Yeh sirf ek udaharan hai. Aapke kharche alag ho sakte hain.)

Kaise shuru karo

1. Pichhle 2–3 mahine ke kharche likho.
2. Sabhi kharche categories mein baanto.
3. Salary aate hi savings alag karo, baad mein bacha hua kharch karo.
4. Chhote leaks dhoondho, jaise unused subscriptions.
5. Mahine mein ek baar review karo.

Common galtiyan

• Emergency fund na banana.
• Credit card ka minimum payment par rehna.
• Har kharch ko "ek hi baar ki baat" bolna.

Masala take

"Is mahine kuch nahi kharcha" aur "paise kahaan gaye?" ek hi aadmi ke sawaal hote hain.

Yeh general jaankari hai, financial advice nahi.