PRINCE BHALU
Table of Contents
INTRODUCTION
Achi habits hamare life ko nahi behtar banati hain, balki ek adarsh vyakti banane ka marg bhi tay karti hain. Isme se ek importance achi habit hai budgeting. Budgeting humein apni income aur expense ko track karne mein help karti hai aur hamare money ko samajhdari se istemal karne mein sahayak hota hai. Iske alawa, saving aur investing bhi hamare financial wealth ko badhane mein ahem bhumika nibhate hain. Debt se bachna aur invest karne ka tareeqa hamari financial condition ko sudharne mein sahayak hota hai. Aur ant mein, hamesha seekhne ki aadat rakhna hamare gyan aur samajhdari ko badhata hai, jo hamari life ko ek naye uchai par le ja sakta hai.
1. BUDGETING
Aapki Monthly Income Kitni Hai ? Uski List Banayein. Aapki Monthly Expenses Kitni Hain ? Unki List Banayein. Aapki Income Aur Expenses Ko Track Karein.
Aap Samajhte Hain Ki Mere Liye Ye Expenses Sahi Hain Ya Nahi. Aapko Lagta Hai Ki Ye Goods Ki Zarurat Hai, Tab Aap Us Goods Ko Buy Karein. Aapko Lagta Hai Ki Aapko Is Goods Ki Zarurat Nahi Hai, Tab Aap Us Goods Ko Buy Nahi Karna Chahiye.
Aap Jo Bhi Monthly Income Earn Karte Hain, Us Income Ka Aapko Budget Banana Chahiye. Is Budget Mein Aapko Monthly Kitna Money Expenses Ke Liye Use Karna Hai, Aur Monthly Budget Mein Income Aur Expenses Shamil Karna Chahiye. Aur Jo Bhi Aapne Monthly Budget Banaya Hai, Unke Hisab Se Apni Monthly Income Ka Expenses Ke Liye Use Karein.
2. SAVING
Aap Monthly Jo Bhi Income Earn Karte Hain, Aur Apki Monthly Income Expenses Ke Liye Use Hoti Hai, Unko Track Karein.
Apni Unnecessary Expenses Ko Kam Karein Aur More Money Invest Karein.
Inflation Se Bachane Ke Liye Investment Hamari Majburi Ban Gayi Hai.
Aap Emergency Fund Banayein. Ye Fund 3 Se 6 Mahine Ka Ho Sakta Hai. Apki Unexpected Situations Mein Ye Fund Kaam Aayega.
Aap Job Se Ya Fir Business Se Money Earn Karte Hain. In Sabhi Money Ko Expenses Ke Liye Use Nahi Karna Chahiye. Apni Liability Ko Kam Karein Aur Apni Assets Ko Badhayein.
Aap Financial Goals Banayein Aur Unhein Complete Karein.
3. INVESTING
Aap Job Karte Hain Ya Fir Business Karte Hain. Jo Bhi Monthly Income Aap Kamate Hain, Uska Kuch Hissa Invest Ke Liye Bachayein. Ye Bachaye Hue Income Ko Sahi Jagah Par Invest Karein.
Apko Financial Free Hona Hai, Tab Aapko Investing Karni Hogi. Kuch Years Ke Baad Aap Financial Free Ho Sakte Hain.
Apki Monthly Income Expenses Mein Chali Jati Hai, Tab Aapko Adhik Se Adhik Money Kamana Hai. Tab Aap Apne Money Ko Invest Karein.
Apko Tay Karna Hoga Ki Aap Kitna Risk Le Sakte Hain. Aap Jitna Bhi Risk Le Sakte Hain, Vahi Par Invest Karein.
Investing Mein High Risk Hota Hai, Lekin High Reward Bhi Hota Hai. Aur Jahan Par Low Risk Hota Hai, Vahan Par Low Reward Hota Hai.
Money Ko Invest Karne Ke Liye Kai Jagah Par Invest Kiya Ja Sakta Hai, Jaise Ki Stock Market, Real Estate, Bank Fds, Government Bonds, Treasury Bills, Corporate Bonds, Precious Metals, Aur Crypto Market. In Mein Se Kisi Bhi Jagah Par Aap Apna Money Invest Kar Sakte Hain.
Investing Mein Aap Apni Strategy Banayein. Investing Se Aapka Financial Goals Complete Ho Sakta Hai.
Aap Money Ko Invest Karte Hain, Tab Aap Apne Money Ko Diversify Invest Karna. Apna Money Ek Hi Jagah Par Invest Na Karein, Kyunki Ek Hi Jagah Par Invest Karne Se Aapka Investment Highly Risky Ho Jata Hai.
Apne Portfolio Ko Diversify Karein.
4. AVOIDING DEBT
Aap Liability Badhane Ke Liye Debt Mat Lena. Debt Aapko Musibat Mein Daal Sakta Hai.
Aap Business Ke Liye Debt Lete Hain, Tab Woh Debt Aapke Liye Sahi Hai. Lekin Aap Debt Apni Liability Badhane Ke Liye Lete Hain, Woh Aapke Liye Sahi Nahi Hai.
Mental Stability Ke Liye Aap Debt Mat Lena. Debt Se Aapko Mental Stability Nahi Milegi.
Aapki Income Se Zyada Unnecessary Purchases Mat Karna.
Aap Credit Card Ka Use Unnecessary Purchases Ke Liye Karte Hain, Tab Aap Credit Card Ka Use Unnecessary Purchases Ke Liye Mat Karna.
Credit Card Galat Nahi Hai. Jab Aapko Emergency Fund Ki Requirement Hoti Hai, Tab Aapke Liye Credit Card Ka Use Karna Sahi Hai.
Aapki Income Se 3 Se 6 Months Ka Emergency Fund Banaye. Current Situation Mein Yeh Fund Aapko Kaam Aayega.
Aap Apni Financial Condition Se Pata Karein Ki Aapke Paas Extra Credit Card To Nahi Hai. Agar Aapke Paas Extra Credit Card Hai, Tab Aap Extra Credit Card Ko Close Karayein.
Aap Apna Financial Budget Banayein. Financial Budget Mein Aapki Income Aur Expenses Shamil Hain.
Aapki Income Low Hai, Uss Case Mein Apni Income Ko Increase Karein.
5. CONTINUOUS LEARNING
Financially Condition Increase Means Apne Family Ki Lifestyle Increase Karna.
Apko Money Ko Badane Ke Liye Money Ki Investment Karni Hogi. Tab Aap Financially Freedom Achieve Kar Sakte Hain.
Apko Financially Freedom Achieve Karni Hai. Tab Apko Finance Ki Strategy Banani Padegi.
Apko Apni Puri Life Finance Ki Continuous Learning Karni Hai. Jaise Ki Aap Rich Ban Sako.
Apko Finance Ki Continuous Learning Karni Hogi. Jaise Ki Apki Income Badegi. Aur Apke Financial Goals Compete Honge.
Apko Finance Ki Education Leni Hai. Tab Mai Kuch Suggestions Deta Hu. Jaise Ki Pushkar Raj Thakur, Sagar Sinha, Neeraj Joshi, Mahendra Dogney, Anurag Aggarwal. Ye Sab Sir Ke Youtube Channels Hain. Aapko Finance Ki Education Leni Hai. Tab Aap In Sir Ke Youtube Par Videos Dekh Sakte Hain.
Hamein Sirf Money Kamane Ki Koshish Nahi Karni Chahiye. Humen Money Ki Education Bhi Seekhni Chahiye. Tabhi Hamari Earnings Hamein Money Kama Kar Degi.
Poor People Money Ke Liye Kaam Karte Hain. Lekin Rich People Apne Money Se Apna Kaam Karte Hain. Rich People Ke Liye Unki Money Hi Kaam Karti Hai.
Rich People Kyun Rich Hote Hain. Because Rich People Money Ki Education Seekhte Hain. Rich People New Skills Puri Life Seekhte Hain.
Poor People Money Ke Liye Dusron Ka Kaam Karte Hain. Poor People Kabhi Aur Skills Seekhte Hi Nahi Hain.
Apko Rich Banna Hai. Tab Aapko Apni Puri Life Finance Ki Education Seekhte Rahna Hoga. Mai School Aur College Ki Education Ki Baat Nahi Kar Raha Hu. School Aur College Ki Education Hamari Life Mein Bahut Kam Nahi Aati.
Hamari India Ki Education Jo Aaj Hai. Vo Education Britishers Ki Education Hai. Britishers Ne Hamari Education Build Karne Ka Reason Ye Tha Ki Britishers Ko India Se Labour Mil Sake.
CONCLUSION
life mein achi habits ko adopt karna hamare personality ko attractive banata hai aur hamein ek intelligent aur respectful person banata hai. Budgeting, saving, investing, debt se bachna aur hamesha new seekhne ki habit rakhna, yeh sabhi habits hamari life ko behtar banati hain aur hamein ek behtar bhavishya ki or le jati hain. Itihas se lekar aaj tak, yeh siddh ho chuka hai ki achi habits hi hamein success aur Respect ki unchaaiyon tak pahunchati hain.
