Biggest
financial mistakes that young adults make matab 20 aur 30 ke dashak mein log
vittiya galtiyan karte hain, kyunki is umra mein log apni svatantrata ka
anubhav karte hain aur aarthik jimmedariyon ko samajhne mein thoda samay lete
hain.
Lekin,
yadi aap in galtiyon se jaldi bachain to aap apne aarthik bhavishya ko
surakshit bana sakte hain. Yahaan kuch vittiya galtiyon ko example ke
saath samjhaate hain, jinhen aapko bachne ki koshish karni chahiye.
1. Credit Card Par Nirbhar Rehna
Credit
card aapke credit score ko sudharne aur asaani se paise udhaar lene mein madad
kar sakta hai, lekin agar ise sahi tareeke se na istemaal kiya jaye, to yeh
aapko karz ke jaal mein phansaa sakta hai.
Maan
lijiye ki aapke paas 50,000 rupaye ka credit card limit hai, lekin aapne 40,000
rupaye kharch kar diye hain. Agar aap iska poora bhugtan samay par nahi karte,
to aapko byaj chukana padega, aur dheere-dheere yeh karz badhta jaayega. Isse
aapka credit score bhi prabhavit hoga aur bhavishya mein loan lene mein samasya
aa sakti hai.
Advice:
Credit card ke 30% se zyada ka upyog na
karein aur hamesha samay par poora bhugtan karein.
2. Avashyakta Se Zyada Kharch Karna
Agar aap jitna kamaate hain usse zyada
kharch karte hain, to aap karz ke jaal mein phans sakte hain. Yeh aadat aapko
vittiya sankat mein daal sakti hai aur aapki bachat ko khatam kar sakti hai.
Maan lijiye ki aapki maasik aay 40,000
rupaye hai, lekin aap har mahine 45,000 rupaye kharch kar dete hain. Iska
matlab hai ki aap har mahine 5,000 rupaye karz mein daal rahe hain. Samay ke
saath yeh karz badhta jayega, jisse aapka bhavishya sankat mein padh sakta hai.
Advice: Apni aay aur kharchon ka hisaab rakhein aur
mahine ke ant mein yeh sunishchit karein ki aapne adhik kharch to nahi kiya.
3. Budget Na Banana
Bina budget ke kharch karna ek badi
galti ho sakti hai, kyunki isse aap apne kharchon par niyantran nahi rakh
paate. Budget bana kar aap yeh jaan sakte hain ki aapka paisa kahaan ja raha
hai aur kise ghaata sakte hain.
Agar aapke paas ek sthir aay hai,
lekin aapne apne kharchon ka koi plan nahi banaya hai, to aap anavashyak
cheezon par kharch kar sakte hain, jaise mahange kapde, khane-peene mein zyada
kharch, aadi. Aise mein ant mein aapke paas bachat nahi hogi.
Advice: Har mahine ek budget banayein aur use sahi
tareeke se palan karein. Budget apps ka upyog karna is prakriya ko aasan bana
sakta hai.
4. Lakshya Na Nirdharit Karna
Yadi aapke paas vittiya lakshya nahi
hain, to aap apni bachat aur kharchon ko sahi disha mein nahi le ja sakte.
Spasht lakshya nirdharit karna aapki vittiya sthiti ko majboot karne mein madad
karta hai.
Agar aapke paas koi lakshyon ka abhaav
hai, to aap bina soche-samjhe paise kharch kar sakte hain, jaise naye gizmos,
trips, ya anya cheezein. Agar aapne yeh tay kiya nahi ki aapko 1 saal mein
kitni bachat karni hai, to aapki poori bachat ki yojana toot sakti hai.
Advice: Chhote aur bade dono prakar ke lakshya tay
karein aur unhe prapt karne ke liye yojana banayein.
5. Free Time Mein Paise Na Kamaana
Yadi aap keval apni ek naukri par
nirbhar rahte hain aur anya aay ke srot nahi banate, to aap vittiya asuraksha
ka samna kar sakte hain.
Maan lijiye ki aapki ek sthir naukri
hai, lekin yadi aapko naukri se nikaal diya jaata hai, to aap turant doosra
srot nahi paa sakte. Agar aapke paas side hustle (jaise blogging, online
shopping, tuition, aadi) hai, to aap ise apne kharchon ko pura karne ke liye
istemaal kar sakte hain.
Advice: Apni free time mein koi aisa kaam karein jisse
aapko atirikta aay mil sake.
6. Achhe Credit Score Ka Nirmaan Na Karna
Ek achha credit score aapko kam byaj
daron par loan lene, asaani se loan prapt karne aur uchit credit limit tak
pahuchne mein madad karta hai.
Maan lijiye ki aapne credit card ka
istemaal kiya, lekin keval nyuntam raashi ka bhugtan kiya. Isse aapka credit
score kam ho jayega aur jab aapko home loan ya car loan ki zarurat padegi, to
aapko uchit byaj daron ka samna karna padega.
Advice: Hamesha apni credit card ki poori raashi ka
bhugtan karein aur sunishchit karein ki aapka credit score achha rahe.
7. Bade Aur Gair-Zaruri Kharch Karna
Mahangi cheezon ki khareedari karne ka
man karta hai, lekin agar aap bina soche-samjhe bade kharch karte hain, to yeh
aapko karz ke dal-dal mein daal sakta hai.
Aap ek nai car khareedna chahte hain,
lekin kya aapko iski sachmuch zarurat hai? Yadi aap pehle se achha vehicle
istemaal kar rahe hain, to ise khareedne se pehle punah vichar karein aur
bachat karein.
Advice: Badi khareedari karne se pehle yeh sunishchit
karein ki aapko iski zarurat hai, aur aap ise khareedne ke liye tayar hain.
8. Aapaatkaaleen / Emergency Fund Na Rakhna
Aapaatkaaleen / Emergency fund ka hona
bahut zaroori hai, taaki aap achanak aane wali kisi bhi apratyashit sthiti ka
samna kar sakein, jaise naukri ka jaana, bimari aadi.
Agar aap achanak beemar ho jaate hain
aur aspataal mein bharti hote hain, lekin aapke paas aapaatkaaleen/ Emergency
fund nahi hai, to yeh aapki poori vittiya sthiti ko prabhavit kar sakta hai.
Advice: Kam se kam 3 se 6 mahine ke kharch ke barabar
aapaatkaaleen/ Emergency fund bana kar rakhein.
9. Retirement Ke Liye Bachat Na Karna
Aapke 20s aur 30s mein Retirement ko
lekar chinta kam ho sakti hai, lekin yeh aapki Retirement ki yojana ko aasan
aur bina tanav ke banane ke liye mahatvapurn hai.
Maan lijiye ki aapne 25 saal ki umr
mein Retirement ke liye paise bachana shuru kiya. Isse aapko chakravriddhi byaj
ka laabh milega aur aap aaram se Retirement ho sakte hain. Lekin agar aap ise
40 saal ki umar mein shuru karte hain, to aapko baad mein kathinai ho sakti
hai.
Advice: Jitni jaldi ho sake, Retirement ke liye paise
bachana shuru karein.
Biggest financial mistakes that young
adults make topic pare bataye gaye sabhi baaton ka dhyaan rakhte hue, aap apne
vittiya lakshyon ko asaani se prapt kar sakte hain aur apne bhavishya ko
surakshit bana sakte hain.