7 Most Common Financial Mistakes

Paisa har kisi ke liye ek mahatvapurn vishay hai, lekin is par kaise use karna chahiye, is par adhik jankari hona bhi zaroori hai. Bahut se log aarthik kathinaion ka samna karte hain, jo aksar unki galat financial decisions ke karan hota hai. Is lekh mein, hum 7 Most Common Financial Mistakes par charcha karenge jo logon ko aarthik sankat ki taraf le ja sakti hain, aur unse bachne ke liye upay bhi prastut karenge.

1. Anavashyak Kharch

Problem:

Jab aap bahar khana khate hain ya coffee par kharch karte hain, tab yeh lagta hai ki yeh chhoti chhoti kharch hain. Lekin, ye chhoti kharchiyaan milkar ek badi rakam ban jaati hain. Yadi aap har saptah Rs. 2000/ bahar khane par kharch karte hain, to ye saal bhar me Rs. 104000/ ban jaata hai. Agar aapka budget tight hai, to ye kharch aapko badi Problem mein daal sakta hai.

Samadhan:

1. Bajet Banayein : Apne kharchon ko track karein aur ek budget tayar karein jisme aapke anavashyak kharch shamil na ho.

2. Ghar par Khana Banayein : Ghar par khana banana na sirf sasta hota hai, balki aapko swasth bhi rakhta hai.

3. Chhoti Chhoti Cheezen Chhodein : Aksar, aapko pata nahi hota ki aapke rozana ke chhote kharch kitne bade ho jaate hain. Inhe chhote karne ki koshish karein.

2. Kabhi Na Khatam Hone Wala Bhugtan

Problem:

Bahar ki services jaise streaming seva ya gym membership ko lena aasan hai, lekin kya aapko inki waastavik zaroorat hai? Bahut baar log in par regular payments karte hain bina ye soche ki kya yeh unke liye zaroori hai.

Samadhan:

1. Review Karein : Har mahine apne subscription services ki samiksha karein aur dekhein ki kya aap unhe istemal kar rahe hain ya nahi.

2. Ek Samay Ke Liye Band Karein : Kisi bhi service ko kuch mahine ke liye band karke dekhein. Isse aapko samajh aayega ki kya yeh aapki zindagi mein mahatvapurn hai ya nahi.

3. Credit Card Par Badi Lagaat Se Jeevan Yapan

Problem:

Credit card par kharch karna aasaan hota hai, lekin is par milne wale byaj ke kaaran, aapki kharidi hui vastuon ki keemat bahut badh jaati hai. Jab tak aap har mahine credit card ka bhugtan nahi karte, tab tak aapke liye ye ek bhaari bojh ban sakta hai.

Samadhan:

1. Cash ya Debit Card Ka Istemal Karein : Zyada tar kharidari ke liye cash ya debit card ka istemal karein, taaki aap sirf wahi kharch karein jo aapke paas hai.

2. Credit Card Ka Samajhdari Se Istemal Karein : Agar aapko credit card istemal karna hai, to sirf un cheezon par karein jinki zaroorat ho aur bhugtan samay par karein.

4. Naya Vahan Kharidna

Problem:

Naya vahan kharidna logon ke liye ek mahatvapurn decision hota hai. Lekin kai baar log bina soch vichar ke kharid lete hain, jisse unhe baad mein pareshani hoti hai.

Samadhan:

1. Research Karein:

Naya vahan kharidne se pehle alag alag models, brands aur unki features ki jaankari ikattha karein. Online reviews, user feedback aur expert opinions par dhyan dein.

2. Budget Set Karein:

Apne budget ka dhyan rakhein aur uske andar hi decision lein. Financing options aur hidden costs (jaise insurance, maintenance) ko bhi samajh lein.

3. Test Drive Karein:

Jitne bhi models aapko pasand hain, unka test drive zaroor karein. Isse aapko vahan ki handling, comfort aur performance ka idea milega.

4. Comparative Analysis:

Alag alag models ko compare karein. Features, mileage, resale value aur warranty terms par dhyan dein.

5. Future Needs Ko Dhyan Mein Rakhein:

Kya aapko aane wale samay mein zyada space, better mileage ya kuch aur zarurat ho sakti hai? In sab cheezon ko dhyan mein rakhein.

6. Dealer Aur Documentation Ki Jaankari:

Vahan kharidte waqt dealer ki reputation aur documentation process ka dhyan rakhein. Warranty aur service agreements ko achhe se samajh lein.

7. Negotiate Karein:

Price par negotiate karne se na ghabrayein. Aksar dealers initial price se kam karne ko tayar hote hain.

Yeh sab steps follow karke aap ek samajhdari se naya vahan kharid sakte hain, jisse aapko baad mein koi pareshani na ho.

5. Apne Ghar Par Bahut Adhik Kharch Karna

Problem:

Ghar kharidne par log aksar zyada kharch karte hain. Yeh zaroori nahi ki bada ghar behtar ho; kabhi kabhi chhota aur samajhdari se chuna gaya ghar zyada suvidha pradan karta hai.

Samadhan:

1. Ghar Ki Avashyakta Samjhein:

Apne parivaar ki avashyaktaon ka dhyan rakhein. Kitne kamre, kitni space aur kaise location ki zarurat hai, in sab par vichar karein. Ek samarthak aur suvidha pradaan ghar chunna behtar hoga.

2. Dhan Ki Yojna:

Ghar kharidte waqt apni aarthik sthiti ka dhyan rakhein. Budget set karein aur usmein hi rahein. Yeh bhi samajhna zaroori hai ki ghar ke alawa maintenance, property taxes aur insurance jaise kharch bhi hote hain.

3. Long term Investment Ki Soch:

Ghar ko ek long term investment ki tarah dekhein. Kya yeh ghar aapke aane wale 10 15 saalon tak aapki avashyaktaon ko pura karega? Is prakar ka vichar aapko sahi faisla lene mein madad karega.

4. Market Research Karein:

Local real estate market ki samajh banaein. Price trends aur area ki development ki jaankari rakhein. Isse aapko samajh aayega ki aapka investment sahi jagah par ho raha hai ya nahi.

5. Professional Advice:

Ek achhe real estate agent ya financial advisor se salah lena behtar hota hai. Unki expertise se aapko sahi decision lene mein madad milegi.

6. Ghar Ki Sustainability:

Aise ghar chunne par dhyan dein jo energy efficient ho. Yeh na sirf aapke monthly kharchon ko kam karega, balki environment ke liye bhi behtar hoga.

In sab steps ko dhyan mein rakhte hue, aap ek samajhdari aur sustainable ghar kharidne ka faisla le sakte hain, jo aapki aur aapke parivaar ki avashyaktaon ke anukul ho.

6. Saving Nahi Karna

Problem:

Aksar log bachat nahi karte, jisse unhe aarthik kathinaion ka samna karna padta hai. Aapki bachat dar sirf 3.6% hai, jo ki bahut kam hai.

Samadhan:

1. Automatic Savings:

Apne salary se kuch paise har mahine bachat account mein automatic transfer karne ka vyavastha karein. Isse aap bina soche samjhe bachat karna shuru kar sakte hain. Aap apne bank se is prakar ki facility le sakte hain, jisse bachat khud ba khud hoti rahegi.

2. Emergency Fund Banayein:

Ek emergency fund banayein jo aapki 3 6 mahine ki kharch ko sambhal sake. Is fund ko alag rakhna zaroori hai, taki aap ise sirf emergencies ke liye istemal kar saken, jaise health issues, job loss, ya unexpected expenses.

3. Budget Banana:

Apne monthly kharchon ka budget tayyar karein. Isse aapko apne kharchon par nazar rakhne aur bachat karne mein madad milegi. Budgeting apps ya spreadsheets ka istemal karke aap apne kharchon ko track kar sakte hain.

4. Needs Aur Wants Ko Alag Karein:

Apne kharchon ko do categories mein baant lein: zaroorat (needs) aur ichha (wants). Zarooraton par dhyan dene se aap bekar ke kharchon se bach sakte hain aur bachat karne ka mauka paa sakte hain.

5. Small Savings Goals Set Karein:

Chhote chhote savings goals tayyar karein. Jaise, 1,000 ya 5,000 rupees ki bachat karne ka target rakhein. Isse aapko motivation milega aur aap bachat ka maza bhi le sakte hain.

6. Financial Literacy Badhaein:

Finance par padhai karein. Kitne tarike hain bachat karne ke, investment ke kya options hain, in sab cheezon ki jaankari lena zaroori hai. Isse aap apne financial decisions ko behtar bana sakte hain.

In sab steps ko apnaakar, aap apne financial future ko surakshit kar sakte hain aur bachat karne ki aadat dal sakte hain. Yadi aap thodi mehnat karein, to aapki bachat dar badh sakti hai aur aap aarthik suraksha ki taraf kadam badha sakte hain.

7. Koi Yojana Na Hona

Problem:

Aksar logon ke paas koi financial yojana nahi hoti, jisse unhe bhavishya ki taiyaari karne mein dikkat hoti hai. Is wajah se wo unexpected challenges se sambhal nahi paate.

Samadhan:

1. Financial Goals Set Karein:

Apne short term (1 3 saal) aur long term (5+ saal) financial goals tayar karein. Short term goals mein chhoti chhoti bachat, vacation ya emergency fund shamil ho sakte hain, jabki long term goals mein ghar kharidna, retirement planning ya bachchon ki shiksha ke liye bachat shamil hai. Isse aapko apne kharchon aur bachat ko prioritize karne mein madad milegi.

2. Budgeting Software Ka Istemal Karein:

Aaj kal kai budgeting tools aur software available hain, jo aapki madad kar sakte hain. Ye apps aapke kharchon ko track karne, savings goals set karne aur financial planning mein madad karte hain. Popular apps jaise Mint, YNAB (You Need A Budget) ya Personal Capital ka istemal kar sakte hain. Isse aap apne financial data ko samajhne aur analyze karne mein madad milegi.

3. Regular Review Karein:

Apne financial goals aur budget ka regular review karein. Har mahine ya har quarter mein apne progress ko assess karein. Agar zarurat ho, to apne goals ko adjust karein ya budget mein changes karein. Yeh practice aapko focus mein rakhegi aur aapki yojana ko updated rakhegi.

4. Expert Advice Le:

Agar aapko financial planning mein mushkil ho rahi hai, to ek financial advisor se salah lena behtar hoga. Wo aapki financial situation ko samajhkar personalized advice de sakte hain, jo aapke goals aur needs ke anukul ho.

5. Education Aur Awareness:

Financial literacy badhane par dhyan dein. Padhai karein, seminars attend karein ya online courses lein. Jitna aap finance ke baare mein samjhenge, utna hi aap apni financial yojana ko behtar bana sakte hain.

6. Emergency Fund Ki Yojana:

Apne financial plan mein ek emergency fund shamil karein, jo 3 6 mahine ke kharch ko sambhal sake. Isse aapko kisi bhi anjaane kharch ya financial crisis se ladne ki taakat milegi.

In sab steps ko apnaakar, aap ek solid financial yojana tayar kar sakte hain, jo aapko bhavishya ke liye surakshit rakhegi aur aapko unexpected challenges se nipatne ki taiyaari karegi.

Kuch aarthik karak aapke niyantran se bahar hote hain, lekin aapko apne paise ka sahi istemal karne ki koshish karni chahiye. Yatharthwadi bajat tayar karein aur us par kayam rahne ki koshish karein. Agar aapne ab tak Most Common Financial Mistakes ki hain, to khud ko anugrah dein aur punah prayas karein. Problemon ka samna karne se kabhi na darein, kyunki ye aapke aarthik bhavishya ko sudharne ka ek avsar hai.

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