इस सीक्रेट से, सैलरी को चलाएं पूरा महीना!

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50/30/20 का नियम, एक बजट प्लान है जो आपको अपनी सैलरी को बचाने के लिए बढ़ावा देने में मदद करता है.

[{"selector":"#anim-b0433649-32d9-428b-9f33-e232dba0df4b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42a027b3-d439-4059-8f08-66777bedada7","keyframes":{"transform":["translate3d(0px, 142.38684%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-362d8120-515b-433f-a3d4-5c46fa36f9b5","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-adac647e-5ff5-4d0c-a801-9d4b421c1744","keyframes":{"transform":["translate3d(0px, 166.56280%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-94f9ffdc-b226-4c84-9dcf-664d94a9f3f2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(16.60156240400296%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

इस हिस्से में ये खर्चे शामिल हैं जैसे कि किराया, भोजन, यूटिलिटी बिल, ट्रांसपोर्ट, और लोन पेमेंट.

[{"selector":"#anim-5cb321f8-97bb-4de2-911a-957b0310a04d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6bbcb39f-18f8-45ea-ab85-3f667a60f3dd","keyframes":{"transform":["translate3d(0px, 143.86830%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a9f38e08-01ab-4138-9ceb-1554bd57a673","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9cfbfbc2-09bc-4082-92fe-211ec97e1df1","keyframes":{"transform":["translate3d(0px, 174.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-862eba4b-e7ee-4435-a5e7-49f174b135c2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-34.99999988622572%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

इसमें फ्यूचर बचाया जाता है, जैसे कि इमरजेंसी फण्ड, रिटायरमेंट प्लानिंग, या फाइनेंसियल गोल्स.

[{"selector":"#anim-e0cd7b2a-d57a-4625-8b1a-bffba9cedff3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e9aad3a0-8030-4fdc-b840-f1e0f1fce310","keyframes":{"transform":["translate3d(0px, 137.48245%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0078d1c1-d71b-49b0-8b70-cfce9e575b51","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34efc3b5-e900-45e2-9c83-ec87fda0c39d","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59fce3f3-6fc1-4c85-b349-05056a3ec4bb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(52.9166665528924%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

वो खर्चे जो आपकी खुशी के लिए हैं, लेकिन जरूरी नहीं हैं, जैसे कि एंटरटेनमेंट, कपड़े, होबीज, और ट्रेवल.

[{"selector":"#anim-dffbd0e2-6f59-4ed6-9298-bf4285fd083d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-885f1573-0cfb-4f92-9f05-09ef2546e060","keyframes":{"transform":["translate3d(0px, 137.48245%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ebad4834-cd5c-4e68-aa4c-7595b7f98b65","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6be2b18-e03d-42ce-90df-699f15f9c437","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e795431d-5c74-44a9-b779-53cb95d795aa [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.16666666727345714%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: istock

50/30/20 का नियम आपको अपने खर्चों को ट्रैक करने में मदद करता है.

[{"selector":"#anim-e090e274-046a-4dd4-82b2-3afe8f8349c3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a72abab-1660-4de2-9d2d-6d1827ff18ef","keyframes":{"transform":["translate3d(0px, 142.40998%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-136fdca5-213c-4cc7-85da-c99b048a0865","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56662778-71a3-4c74-98ed-7a78df678c85","keyframes":{"transform":["translate3d(0px, 174.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9b5ef326-a225-440b-a5a8-181edb046892 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(18.749999886225723%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

यह नियम आपको कर्ज से बचने और समय के साथ पैसे जमा करने में मदद करता है.

[{"selector":"#anim-8fe40dc8-fa6a-44e0-9bed-a7491bf64392","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1fd0947c-5f79-42e5-b90f-9ca3ce2f21c5","keyframes":{"transform":["translate3d(0px, 139.21999%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e65e02dd-2c8b-4dac-8ef6-9ac1dd24e723","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9978804-801a-4c39-bbe3-8ce29afe40b9","keyframes":{"transform":["translate3d(0px, 184.02786%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97221ea8-5cdc-406b-a735-ebb427d7fa9e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-32.58272048254792%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

यह नियम एक सिंपल और समझने में आसान बजट सिस्टम है, जो सभी के लिए जरुरी है.

[{"selector":"#anim-8d14eaa2-dc80-4cc9-bbec-26bb6878b8ef","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b0e40ef-42a7-4bd9-b4b5-781238d54d1e","keyframes":{"transform":["translate3d(0px, 141.12657%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d1635c7-3ed6-46ac-a9fa-4e1bfbf61cac","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b77435d3-beef-42b9-a929-0f58bb8bc068","keyframes":{"transform":["translate3d(0px, 184.02786%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8605836-923d-48bb-99ea-7d758a29ebd2 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(40.62499988622573%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

50/30/20 के नियम में, पर्सनल जरूरतों और प्रिफरेंस पर 30% और 20% को एडजस्ट कर सकते हैं.

[{"selector":"#anim-3718762b-268e-42b5-851b-633ba229c288","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6b4e876a-6e12-4aa5-84cb-7bd261815a38","keyframes":{"transform":["translate3d(0px, 135.04272%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1f416a3c-92c6-4ec7-855a-a10d41def868","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3988dfa1-04b3-4f3c-b610-692d17217e62","keyframes":{"transform":["translate3d(0px, 160.95529%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42a1ea39-7322-4cdf-8eaf-fb5a57d8c2e5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0, 8.333333333333337%, 0)","translate3d(0, 0%, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

20% की सेविंग का एक भाग इमरजेंसी फण्ड के रूप में यूज़ किया जाना चाहिए.

[{"selector":"#anim-2dbfcdff-bc29-4d26-b478-035aeb601226","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b816351a-853c-4b1f-a073-e8f0a01d95cf","keyframes":{"transform":["translate3d(0px, 148.31277%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-60c84962-4e8e-4c4d-a646-35dba3ea5d74","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-010ab0fd-f305-4a4c-b53e-a989cc33a0cf","keyframes":{"transform":["translate3d(0px, 181.52782%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-70e20316-bacf-44d9-8877-381477ab22cb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(18.66666673462783%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: istock

इस नियम का यूज़ करके, आप अपने लोन्ग-टर्म फाइनेंशियल गोल्स को प्राप्त करने के लिए सेविंग कर सकते हैं.

[{"selector":"#anim-edc9d355-145d-4062-947c-bb85ab66c32c","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ed35f37b-b334-445b-91ee-785edf63e6e9","keyframes":{"transform":["translate3d(0px, 137.01387%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a67d5f92-ef4c-4286-b3bf-b6d88879ff7d","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-493410cd-8696-4cc5-9295-e005d32e7aa8","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d25247bc-3aa9-43f8-a4d3-e32f22437c8f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

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इस सीक्रेट से, सैलरी को चलाएं पूरा महीना!

50/30/20 का नियम, एक बजट प्लान है जो आपको अपनी सैलरी को बचाने के लिए बढ़ावा देने में मदद करता है.

इस हिस्से में ये खर्चे शामिल हैं जैसे कि किराया, भोजन, यूटिलिटी बिल, ट्रांसपोर्ट, और लोन पेमेंट.

जरूरतें (50%)

इसमें फ्यूचर बचाया जाता है, जैसे कि इमरजेंसी फण्ड, रिटायरमेंट प्लानिंग, या फाइनेंसियल गोल्स.

सेविंग और इन्वेस्टमेंट (20%)

वो खर्चे जो आपकी खुशी के लिए हैं, लेकिन जरूरी नहीं हैं, जैसे कि एंटरटेनमेंट, कपड़े, होबीज, और ट्रेवल.

इच्छाएं (30%)

50/30/20 का नियम आपको अपने खर्चों को ट्रैक करने में मदद करता है.

फाइनेंशियल डिसिप्लिन

यह नियम आपको कर्ज से बचने और समय के साथ पैसे जमा करने में मदद करता है.

फाइनेंशियल फ्रीडम

यह नियम एक सिंपल और समझने में आसान बजट सिस्टम है, जो सभी के लिए जरुरी है.

सिंपल और इफेक्टिव

50/30/20 के नियम में, पर्सनल जरूरतों और प्रिफरेंस पर 30% और 20% को एडजस्ट कर सकते हैं.

फ्लेक्सिबिलिटी

20% की सेविंग का एक भाग इमरजेंसी फण्ड के रूप में यूज़ किया जाना चाहिए.

इमरजेंसी फण्ड

इस नियम का यूज़ करके, आप अपने लोन्ग-टर्म फाइनेंशियल गोल्स को प्राप्त करने के लिए सेविंग कर सकते हैं.

लोन्ग-टर्म फाइनेंशियल गोल्स