Financial Planning kyun zaroori hai?
Financial planning ek important step hai agar aapko wealth badhani hai. Saal ki shuruaat mein hi investment strategies decide karna achha hota hai. Isse funds ko sahi tarah se allocate karne aur apne financial goals ko achieve karne ke liye monthly budget banane mein madad milti hai.
2025 ke liye kya karein?
Jaise hi aap 2025 mein enter karte hain, apne sabhi investments ko review karna aur apne financial targets ko achieve karne ke liye apne portfolio ko reassess karna zaroori hai. Tax planning, debt management, savings, insurance aur investments ke alawa, ek aur important cheez hai emergency funds.
Emergency Fund kyun zaroori hai?
Emergency funds ko thoroughly review karne se na sirf stress-free financial journey ensure hoti hai balki rising cost of living ko meet karne ke liye bhi enough money hota hai.
Emergency Fund kaise banayein, agar salary kam hai toh?
Rising inflation ke saath, cost of living badhti ja rahi hai. Ab time hai ki aap apne emergency fund ko review karein, kyunki rising prices ki wajah se amount monthly expenses ko meet karne ke liye enough nahi ho sakta hai.
Savings ko kaise review karein?
Aapka existing amount emergency fund mein saal ki shuruaat mein adequate lag sakta hai, lekin ab time aa gaya hai ki situation ko reassess karein.
Progress ko Review karein
A good rule of thumb hai ki kam se kam teen se chhe mahine ke living expenses ko cover karne ke liye enough funds hold karein. Check karein ki target kitna achieve ho gaya hai. Ensure karein ki calculation current expenses par based hai, past expenses par nahi.
Corpus ko Adjust karein
Inflation ko mind mein rakhte hue, emergency fund savings ko revise karna best hai. Aapko total savings ko review karna chahiye aur amount ko apni needs ke according increase karna chahiye.
Additional Income Sources Explore karein
Savings growth ko badhane ke liye, investment horizon ke within target tak pahunchne ke liye income ke more sources ko evaluate kiya jana chahiye, as per your plans.
Discretionary Spending Cut karein
Aapke wallet mein extra money save karne ka ek best way hai discretionary expenses par spend karne se avoid karna. Yahan, key yeh bhi evaluate karna hai ki aapne unnecessary spending cut ki hai ya nahi.
Savings ko Automate karein
Emergency fund banane mein consistency aur discipline ek major role play karte hain. Apne investment ko automate karne se hassle-free investment mein madad mil sakti hai, due date par deposit miss hone ke chances kam hote hain. Aap apne emergency fund ke liye auto-debit mode ke through regularly invest karne ke liye systematic investment plans (SIPs) ya recurring deposits (RDs) bhi opt kar sakte hain.
Emergency Fund: Yeh kyun matter karta hai?
Simple terms mein, ek emergency fund ek amount hai jise aap apni savings ya income se alag rakhte hain, har tarah ke unexpected financial expenses ko cover karne ke liye. Yeh job loss, medical emergency, ya big-ticket spending se arising financial difficulties se tackle karne ke liye ek financial cushion ki tarah act karta hai.
Financial advisors ke according, ek ideal emergency fund mein enough money hona chahiye jo rent, EMIs, utility bills aur others jaise teen se chhe mahine ke expenses ko easily cover karne mein help kar sake.
