50/30/20 Budget Formula Example Ke Sath

September 13, 2024

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 kharchon ko sthir aur niyamit samjha jaata hai. Inhe niptaaye bina jeevan ki buniyadi zarooratein poori nahi ho sakti. Ismein shamil hote hain:

Kiraya ya Grih Rin Ki Kisten : Yeh kharch vo hai jo aap apne ghar ke liye har mahine chukate hain. Yeh sabse mahatvapurn aur aavashyak kharch hota hai.

Upayogita Bill : Ismein bijli, paani, gas, aur internet jaise bill shamil hain. Yeh aapki rozmarra ki zindagi ke liye zaroori hain.

Bhojan : Dainik bhojan ke liye kharch kiya gaya paisa bhi is shreni mein aata hai. Ismein aap ghar par khana pakane ke liye aur baahar khane ke kharch ko shamil kar sakte hain.

Parivahan : Yadi aap apni naukri ya anya gatividhiyon ke liye yatra karte hain, to iske liye kharch jaise petrol, sarvajanik parivahan, ya vaahan ki rakhrakhav ki lagat bhi shamil hoti hai.

Chikitsa Kharch : Yeh kharch aapki swasthya dekhbhal ke liye hota hai, jaise doctor ki fees, dawaaiyaan, aur beema premium.

2. 30% Ichchhaayein

Ichchhaayein ve kharch hain jo aapki jeevan shaili ko behtar banate hain lekin aavashyak nahi hote. Yeh kharch aapki khushi aur aaram ke liye hote hain, na ki jeevan ki buniyadi zarooraton ko poora karne ke liye. Ismein shamil hote hain:

Dining Out : Baahar khana khana, restaurant mein jana, ya cafe mein samay bitana is shreni mein aata hai.

Manoranjan : Cinema dekhne, sangeet samaroh mein jaane, ya anya sanskritik gatividhiyon par kharch karna ichchhaayein hoti hain.

Chhuttiyaan : Yatra aur chhuttiyon par kharch karna bhi ichchhaayein mein aata hai. Ismein hotel, havaai yatra, aur anya yatra sambandhit kharch shamil hote hain.

Fashion Aur Vyaktigat Vastr : Naye kapde, joote, aur anya fashion items par kharch karna bhi ichchhaayein mein shamil hota hai.

3. 20% Bachaat Aur Rin Chukane

Bachaat Aur Rin Chukana us paise ka upyog hai jise aap bhavishya ke liye surakshit karna chahte hain aur apni maujooda rinon ko chukana chahte hain. Yeh aapki vittiya sthirata aur bhavishya ki suraksha ke liye mahatvapurn hai. Ismein shamil hote hain:

Bachaat Khate Mein Jama : Aapki maasik aay ka ek hissa aap apni bachaat khate mein daal sakte hain taaki bhavishya mein aapko aarthik sahayata mil sake.

Nivesh : Mutual fund, stocks, ya real estate mein nivesh karna bhi bachaat ka hissa hota hai. Yeh aapki dhan-sampatti badhane mein madad karta hai.

Rin Ki Kisten : Yadi aapke paas koi vyaktigat rin, grih rin, ya vaahan rin hai, to uski maasik kisten bhi is shreni mein aati hain.

50/30/20 Budget Rule Ke Laabh / 50-30-20 नियम का उपयोग कैसे करें?

1. Saadharan Aur Lagu Karne Mein Aasan : Yeh budget rule saral hai aur ise aasani se lagu kiya ja sakta hai. Iski spashtata aur vibhaajan ki vidhi se aap apne kharchon ko aasanise track kar sakte hain.

2. Vittiya Sthirata : Aavashyak kharchon ke liye 50% budget sunishchit karta hai ki aapki buniyadi zarooratein poori ho rahi hain. Ichchhaayein ke liye 30% kharch se jeevan ki gunwatta bhi bani rahti hai, aur 20% bachaat aur rin chukane se vittiya sthirata aur bhavishya ke liye suraksha milti hai.

3. Lachila : Yeh niyam vyaktigat vittiya sthiti ke anusaar samayojit kiya ja sakta hai. Yadi aapki aay badh jaati hai, to aap ichchhaayein aur bachaat ke hissa ko badha sakte hain, aur yadi aapki aay ghatti hai, to aap aavashyak kharch aur ichchhaayein ke hissa ko samayojit kar sakte hain.

4. Aarthik Shiksha : Is niyam ko apnane se aap aarthik roop se jagruk hote hain aur apne kharchon aur bachaat ki aadaton ko behtar tareeke se samajh sakte hain. Yeh aapki vittiya yojana mein anushasan banaye rakhne mein madad karta hai.

Example से समझते हैं नियम को

Example 1: Saamanya Parivaar

Maan lijiye, ek parivaar ki maasik aay ya income ₹60,000/- hai. Is parivaar ke liye 50/30/20 budget rule ko lagu karte hain:

50% Aavashyak Kharch : ₹30,000

Kiraya: ₹8,000

Upayogita Bill: ₹4,000

Bhojan: ₹12,000

Parivahan: ₹4,000

Chikitsa Aur Anya Aavashyak Kharch: ₹2,000

30% Ichchhaayein : ₹18,00

Dining Out: ₹4,000

Manoranjan: ₹3,000

Chhuttiyon Ke Liye: ₹5,000

Fashion Aur Vyaktigat Vastr: ₹6,000

20% Bachaat Aur Rin Chukane : ₹12,000

Bachaat Khate Mein Jama: ₹6,000

Nivesh: ₹4,000

Rin Ki Kisten: ₹2,000

Example 2: Ekak Vyakti

Ek vyakti ki maasik aay ₹40,000 hai. Is vyakti ke liye 50/30/20 budget rule ko lagu karte hain:

50% Aavashyak Kharch : ₹20,000

Kiraya: ₹5,000

Upayogita Bill: ₹2,500

Bhojan: ₹8,000

Parivahan: ₹2,500

Chikitsa Aur Anya Aavashyak Kharch: ₹2,000

30% Ichchhaayein : ₹12,000

Dining Out: ₹2,500

Manoranjan: ₹2,000

Chhuttiyon Ke Liye: ₹3,000

Fashion Aur Vyaktigat Vastr: ₹4,500

20% Bachaat Aur Rin Chukane : ₹8,000

Bachaat Khate Mein Jama: ₹4,000

Nivesh: ₹2,500

Rin Ki Kisten: ₹1,500

Budget Rule Ko Lagu Karne Ke Sujhav

1. Income Aur Kharchon Ka Track Rakhen : Apne sabhi kharchon ko track karen aur maasik income ke saath tulna karen. Yeh aap ko budget ke anusaar kharch karne mein madad karega.

2. Budget Ka Palan Karen : Apne nirdharit budget ka palan karen aur samay-samay par iski samiksha karen. Agar aapki aay ya kharchon mein badlaav hota hai, to budget ko tadanusaar samayojit karen.

3. Uddeshya Nirdharit Karen : Apni bachaat aur nivesh ke liye lakshya nirdharit karen. Isse aapko spashtata milegi ki aap kitni bachaat ya nivesh karna chahte hain.

4. Vittiya Shiksha Mein Nivesh Karen : Vittiya prabandhan par adhyayan karen aur apni vittiya sthiti ko behtar banane ke liye shiksha mein nivesh karen.

Conclusion

50/30/20 Budget Rule ek most effective aur saral tareeka hai jo aapko aapki income ka sahi tareeke se manage karne mein madad karta hai. Yeh niyam aavashyak kharchon, ichchhaayein, aur bachaat/ren chukane ke beech santulan banaye rakhta hai, jisse aap apni vittiya sthiti ko sthir aur surakshit rakh sakte hain. Is budget ko apnaakar aap apne kharchon par niyantran rakh sakte hain aur apne vittiya lakshyon ki disha mein aage badh sakte hain.

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