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50/30/20 Budget Formula Example Ke Sath

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               50 30 20 Budget Rule ek saadharan aur most effective money management tareeka hai jiska uddeshya aapki maasik income ka  financial planning and analysis  karna hai.               सैलरी का कितना प्रतिशत निवेश करना चाहिए?                सैलरी से इन्वेस्टमेंट प्लान कैसे करें?                सबसे बढ़िया इन्वेस्टमेंट क्या है?           Is 50 30 20 rule ke anusaar, aapki kul income matab  सैलरी कैसे खर्च करें   teen mukhya shreniyon mein vibhaajit kiya jaata hai: 1) Aavashyak kharch, 2) Ichchhaayein, 3) Bachaat/ren chukane. Yeh tareeka aapko money management mein madad karta hai aur aapke kharchon par niyantran rakhne mein sahayak hota hai.   Is lekh mein, hum is budget rule ko vistaar se samjhenge aur iske karyanvayan ke udaharan pradaan karenge.        50/30/20 Budget Rule Ki explanation  /   50/30/20 नियम क्या है?         1.    50% Aavashyak Kharch       Aavashyak kharch ve kharch hain jo jeevan ki buniyadi zarooraton ko poora karte hain. In kharch
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Home Loan Lene Se Pehle 10 Baaton Ka Rakhein Khayal

Agar aap ghar kharidne ka soch rahe hain aur home loan lene ka plan bana rahe hain, to kuch cheezen hain jo aapko dhyan mein rakhni chahiye. Yeh tips aapko better decision lene mein madad karenge aur aapko unnecessary financial burden se bachayenge.      1. Loan Interest Rate Home loan lene se pehle, interest rate par dhyan dena sabse zaroori hai. Byaj ki dar loan ki EMI ko directly affect karti hai. Agar byaj ki dar high hai, to EMI bhi high hogi aur total payment bhi zyada hoga. Compare karne ke liye alag-alag banks ke interest rates ko dekhna chahiye aur apne budget ke hisaab se sahi rate choose karna chahiye.   Example: Agar aap Rs. 30 lakh ka loan 20 saal ke liye 7% interest rate par lete hain, to aapki monthly EMI Rs.23,259/- hogi. Agar interest rate 8% hota hai, to EMI Rs. 25,093/- hogi. Yeh difference aapki total payment par bhi impact karega.       2. Loan Ki Avadhi Ka Dhyan Loan ki avadhi (tenure) bhi EMI par prabhav dalti hai. Short tenure mein EMI zyada hoti
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4 Major Financial Questions to Ask Yourself - Dhan Profit

 Aaj yahan par hum   4   personal financial crisis par vichar karenge   aur app kitne tayaar hain dekhte hain. Aaiye in chaar sthitiyon ko aur behtar tareeke se samajhte hain aur kuch mahatvapurn sujhaav dete hain:   Situation 1  – Agar aap achanak mar jaayein to kya hoga?   1.   Vittiya Jankari Ka Sankalan:   Kya aapki family ko pata hai ki aapke bank account se paise kaise nikalne hain? Kya ve aapke ATM password aur net-worth ke baare mein jankari rakhte hain?    2.   Emergency Black box:   Ek emergency black box tayaar karein jismein sabhi mahatvapurn dastavej, password, aur vittiya jankari ho. Ismein bank account ki jankari, insurance policy, aur nivesh ki jankari shamil honi chahiye.   3.   Vittiya Yojana:   Sunishchit karein ki aapki family ke paas ek vittiya yojana ho jo agle ek saal ke kharchon ko cover kar sake. Jeevan beema policy aur savings ko update rakhein taaki parivaar ko vittiya suraksha mile.   Situation 2   – Agar aap naukri kho dete hain  
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Swasthya aur Dhan: Ek Gehra aur Seedha Sambandh

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Personal Finance mein Swasthya aur dhan, dono hi aapki jeevan yatra ke mahatvapurn pehlu hain. “Life Expectancy” ki yojana banate samay, hum aksar jeevan pratishtha ki baat karte hain, aur adhiktar log 80-90 saal ya usse adhik jeene ki ummeed karte hain. Halanki, kya hamari “Life Expectancy” yojana ki buniyad itni hi majboot hai? Kya hum sach mein apne sharir aur aadhaton ke madhyam se ek lamba aur swasth jeevan jeene ke liye tayar hain? Yahi sawal humein khud se poochna chahiye. Agar hum apni sehat ka dhyan nahi rakhte, to itni badi rashi ko surakshit rakhne ka kya arth hai?      Swasthya Vs Dhan: Vastavikta ki Parkh    Hamara sharir ek amulya sansadhan hai, lekin bahut se log iske saath uchit vyavhaar nahi karte hain. Yeh tathya hai ki kai log apne sharir ko bura haal kar dete hain aur phir yeh ummeed karte hain ki unka sharir behtar pradarshan karega. Aapko apne sharir ki dekhbhal karni chahiye, jaise aap apne anya mahatvapurn sansadhan ki dekhbhal karte hain.   Financia
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