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12000 Per Month Invest Karke kaise Maine 7 Cr Kamaye

Budget, Kabhi suna hai daddy ko mummy se kehte huye.. iss month budget nahi hai agle mahine kharid lena.. Yaa boyfriend ko girlfriend se kehte huye “baby koi aisi gift maang lo jo budget mein ho”…

Jokes apart.. Aaj iss Post ke maadhyam se ham share karenge , kaise budgeting karke hum wealth create kar sakte hain?

Kuch personal finance guru recommend kerte hain ki, roz jo bhi kharcha karte ho usse likho… aur month ke end mein samjho ki kahan zyaada aur faaltoo ka kharcha ho raha hai aur uss kharche ko kum karo…

SIP

Lekin is tarike mein problem ye hai ki, ye tarika sab k liye kaam nahi karega, I am sure 3 se 6 dino mein ye boring ho jayega…

Tou ab kya karen…? Well, friends… aapko sabse pahle ye samjhna hoga ki budget do tarike ka hota hai…

Budget Types –

1 ) Budget Surplus

2) Budget Deficit

Jab income Zyada hai kharchon se tab budget surplus hota hai…

Aur jab kharche Zyada hain income se tab Budget Deficit hota hai…

I am sure… hum mein se kayi saare logon ki yahi complain hoti hai “yar salary aati kab hai aur jaati kab, pata hi nahi chalta”…

So friends, iska reason ye hai ki sahi se aapke paise kaa budget nahi ho raha…

Ek example se ise smajhye…

Kuch dino pahle mere ek friend ne mujhse pooch , meine recently mall mein ek watch dekhi jo mujhe pasand aai, jiski keemat 30,000 ke aas paas thi meine wo khareed li… but now i realized ki mujhe uski koi need nahi thi, yahi same mistake meine pahle bhi kayi baar ki hai, so please suggest me friend, kaise mein apne is problem ko solve karun?

Now I’m sure ki ye mistake ham mese kayi logon ke sath hoti hogi… Ham Mall apne frineds yaa phir family ke sath bas ghoomne ki niyyat se jaate hain lekin kuch naa kuch khareed lete hain, jiski hame sach mein koi zarurat nahi hoti hai…

Jab aap mall me jate hain tou aapko alag lag tarah ke advertisement wale hordings dikhayi dete hain jispar very attractive discount chal raha hota hai, aur aap us jhanse mein aakar shopping kar lete hain…

Lots of time log apne status ko maintain karne ke liye bhi shopping kar lete hain…

Car Company Wale Test Drive kiyun dete Hain?

Top 5 best mutual funds

Kabhi aapne socha ki Car Buy karte time aapko test drive kiyun di jaati hai?

Dekhye simple si baat ye hai ki, ek normal insaan koi mechanic tou hota nahi ki, 10 minute ki test drive se wo ye pata laga le ki uska engine kaisa hai yaa phir us car ki mechanism kaisi hai.

Ye sab actually aapki car khareedne ki feeling ko boost karne ke liye kiya jata hai…

Aapke saamne ek sapne ki dunya banane ke liye aapke hath mein car ki staring di jaati hai taaki aap us car ko buy karne ke liye badi easily ready ho jayen.

Main maanta hun ki sabke sath aisa nahi hota but 80 % people feel karte hain ise.

Kharche se Kaise bachen?

Ab question ye hain ki kaise is bimari kaa ilaj ho sakta hai?

Iska simple saa tarika ye hai ki aap khud se bolye… Ye showroom 30 baad yahin rahega aur mein bhi yahin hun, kiyun naa mein isko 30 din ke baad lun?

Believe me…aap us car ko phir kabhi nahi kahreedoge.

Aap is trick ko apne kisi bhi shopping se pahle apply kar sakte hain, aap isko ek baar try zarur karna…99% logon ko iska benefit mila hai.

So ab samajte hain ki budgeting ko kaise entertaining banayen?

Kiyun ki boring cheez hum me se kisi ko bhi pasand nahi hai…

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Lets discuss to one story –

Heeralal ek rich mentality ka admi tha aur wo manta tha ki professionals ki help lena aur apne personal finances ko sahi tarike se manage karne se bahut benefit milta hai..tou usne CFP ko uski fees di aur consult kiya.

CFP ne use budgeting ka importance samjaya aur kaha ki kaise financial planning mein budgeting ka ek important role hai… CFP ne use samjhaya ki bina budgeting ke Rich nahi bana ja sakta.

Kya aapne kabhi socha hai ki ek insaan Rich kaise banta hai?

How One Can Become Rich?

No – 1… Yaa tou wo lottery jeet le aur overnight Rich ban jaye

NO – 2… Yaa tou use kisi ki Property, bank balance etc mil jaye

Lekin in dono tariko mein agar us insan ko paise, kaise budget karne hain ye nahi pata, tou wo jaldi hi garib ban jayega.

Aaj 33 ki age mein Heeralal ki salary hai kutch Sixty thousand Rs in hand, CFP ne Heeralal ko samjaya ki tumhe 60:20:20 rule follow karna hai.

Sabse pelhe tou 2 bank account honey chahiye tumhare paas

Salary account mein salary aate hi uska 20% tumhe transfer kar deni hai dusre account mein.

So Heeralal k case mein wo transfer karega 12 thousand rupees, ab sara entertainment ka kharcha wo yahin se karega… jaise movie k liye jana, dinner pe le jaana apni family ko, naya cell phone kharidna hai tho isi account mein paise jama karna etc etc.

20% ki use investments karni chaiye apney future ke liye, bacchon ki padhai k liye aur khud ki retirement k liye. Jo automatically uski salary account se cut ho jayenge har mahine.

Aur 60% income usse use karni chaiye zaruri kharcho pe, jaise ghar ka roz ka kharcha, bachhon ki school ki fee, electricity bill etc etc.

Yani Heeralal ke case mein 36000 rupees.. Ab jo 20% entertainment k liye transfer kiya hai usse roz likhney ki zarur nahi hai… kiyun ki wo paisa waise bhi entertainment k liye hi hai.

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Aur agar roz ke kharche ka paisa kam pad jaye tou entertainment ke paiso ko 15% kar dena hai, lekin investment 20 % hi rakhni hai.

How Much Return Heeralal will Get?

Lets look at one example –

Heeralal ne CFP ki baat mankar apne paise budget kiye lekin Heeralal ka dost Chunnilal… use lagta tha ki wo smart hai aur future ka future mein dekha jayega aur faltoo ke kharche karta tha…

Jaise har saal phone change karna, Car EMI pe le li, Actually dikhawa karne ke chakkar mein uski salary kam aur kharche zyada hote the, aur credit card be fully used tha… personal loan bhi le rakhi thi.

In short, use bhi CFP ki zarur thi… lekin fee kaun dega ye soch kar wo consult nahi karna chata tha…

Dono ki salary same hai, aur unki salary 8% se badh rahi hai har saal.. Ab pelhe saal mein 60,000 salary se Heeralal 20% invest karta tha yani 12,000 per month.

Aur end of the year uske account mein the 1,52,000 Rs. Aur agle saal uski salary ho gai 64800 Rs aur uski SIP 20% rahi tho SIP badhkar ho gai 12960 Rs, aur uske account mein the 3,37,489 Rs.

Aisa karte karte jab wo fifty six years ka hua tab uske account mein they 7,34,00,000 Rs.

Ab wo easily retire hone ki soch sakta tha. Ye return tha bas @12%.

Friends, return ise zyada bhi ho sakta hai… Maan lo agar return 1% se bhi badh gaya tho uski wealth hogi 8,74,00,000, ye hai power of compounding ka kaamal.

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Liabilities vs Assets

Lekin Chunnilal

Wo umar se kuch zyada hi buddha lagne laga tha tension k maare… kiyun ki wo apni income se liabilities create karta chala gaya, jaise Car, Costly vacations , credit card pe loans lena etc etc.

Aur Heeralal ne ek ek karke apne saare sapne poore kiye the sahi tarike se planning karke aur Uspar koi karza bhi nahi tha.

So friends, hum sab ko life mein ek achche coach ki zarur padti hai jo hamara bhala soche aur commission kamane k liye hame products na beche…

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