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

 

1.   Emergency Fund:   Kya aapke paas 6 mahine ke kharchon ko cover karne ke liye paryapt emergency fund hai? Ise ek acchi aadat banaayein aur har mahine kuch paise emergency fund mein daalein.

 

2.   Lifestyle Mein Lachilapan:   Agar aap naukri kho dete hain, to kya aap apne kharchon ko tatkaalik roop se kam kar sakte hain? Yah zaroori hai ki aap apne budget ko jaanein aur avashyak kharchon mein katauti kar sakein.

 

3.   Naukri Ke Vikalp:   Nai naukri ki talash mein rehte hue maansik shanti banaye rakhein. Apne career aur pasandeeda kshetron ki jankari rakhein, taaki aap naukri ke avasaron ka sahi se upayog kar sakein.

 

Situation 3 – Agar aapko achanak 5 lakh rupees ki zaroorat ho

 

1.   Financial Planning:   Kya aap 5 lakh rupees ko 24 ghante ya 1 mahine mein juta sakte hain? Iske liye, ek sthir nivesh yojana banayein jo aapko apekshit rashi jutaane mein madad kar sake.

 

2.   Public Ya Personal Credit:   Aapaatkalin sthiti mein credit card, personal loan, ya parivaar aur doston se madad le sakte hain. Hamesha dhyan rakhein ki kisi bhi loan ke sharton ko samjhein aur use sahi tareeke se prabandhit karein.

 

3.   Aapaatkalin Reserve:   Niyamit roop se ek aapaatkalin reserve fund banayein jo aapko tatkaalik zarooraton ko pura karne mein madad kare.

 

Situation 4 – Agar aap Hospital mein bharti hote hain

 

1.   Health Insurance:   Kya aapki family ko aapke health insurance details ka poora pata hai? Health insurance card, company ka naam, aur TPA ke phone number ka sahi jagah par hona zaroori hai.

 

2.   Aapaatkalin Sampark Jankari:   Sunishchit karein ki aapke mobile par ambulance service aur anya aapaatkalin sampark number saved hon.

 

3.   Blackbox Kit:   Ek blackbox kit tayaar karein jismein aapka health insurance, medical itihas, aur aapaatkalin sampark vivaran ho. Yah kit aapke parivaar ko kisi bhi aapaatkalin sthiti mein madad kar sakti hai.

 

  Question :    Aap kitne mahine bina naukri ke reh sakte hain?

 

Is sawaal ka uttar dene se pehle, apni present financial ka mulyankan karein aur yah jaanne ki koshish karein ki aap kitne samay tak bina naukri ke reh sakte hain. Apni salary, kharch, aur emergency fund ko dhyan mein rakhte hue, ek sthir vittiya yojana banayein aur apni suraksha sunishchit karein.

 

In sujhaavon ko dhyan mein rakhkar, aap na keval apni vittiya sthiti ko behtar bana sakte hain, balki apne parivaar ko bhi kisi bhi aapaatkalin sthiti ke liye tayaar kar sakte hain.


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