Hi here Sk Jabedul Haque, as a personal finance expert, main ek cheez saaf bata doon: inflation (mehengai) ke time par budget na banana, matlab toofaan mein bina life-jacket ke kashti chalaana hai. Seedha jawab yeh hai ki inflation mein budgeting ka matlab hai apne 'needs' (zarooraton) par focus karna aur 'wants' (chahaton) ko sakhti se control karna.
Yeh article tujhe batayega ki tu yeh kaise kar sakta hai, simple steps mein.
Inflation Aapke Personal Budget ko Kaise Prabhavit Karta Hai?
Jab log poochte hain "inflation hamare budget ko kaise bigadta hai," toh simple jawab hai: yeh aapke paise ki purchasing power (kharidne ki taakat) ko kam kar deta hai.
Socho, pichle saal jo 100 rupaye mein 1 litre tel aata tha, aaj utne hi paiso mein kam aata hai. Aapka paisa utna hi hai, lekin cheezein mehengi ho gayi hain. Isiliye ek normal budget fail ho jaata hai.
Mehengai ke Time pe Smart Budget Banane ke 7 Practical Tarike
Agar tu "mehengai mein paise kaise bachaye" search kar raha hai, toh in 7 practical tarikon se shuruaat kar.
1. Apne Kharchon ko Track Karo (Audit Your Spending)
Sabse pehla kadam hai yeh jaanna ki paisa jaa kahan raha hai. Ek mahine tak apne har ek kharche ko likho—chai se lekar EMI tak.
Aapko patterns dikhenge. Ho sakta hai aap Swiggy/Zomato par socha tha usse zyada kharch kar rahe ho. Data ke bina, budget sirf andaaza hai.
2. "Needs" vs "Wants" ko Pehchano
Yeh inflation budgeting ka gold rule hai. Apne har kharche ko in do categories mein baanto.
Needs (Zarooratein): Inke bina kaam nahi chal sakta. Jaise: Ghar ka kiraya, ration, utility bills, insurance premium, bachhon ki school fees.
Wants (Chahatein): Yeh cheezein life ko achha banati hain, lekin zaroori nahi hain. Jaise: Netflix, restaurant mein khana, naye gadgets, brand-name kapde.
Inflation ke time par, hamara poora focus 'Needs' par hona chahiye.
3. Mashhoor 50/30/20 Budget Rule ko Modify Karo
Normal time mein 50/30/20 rule (50% Needs, 30% Wants, 20% Savings) achha hai. Lekin inflation mein, yeh kaam nahi karta.
Ek naya, realistic plan banao. Ho sakta hai yeh aisa dikhe:
60% Needs: Kyunki ration aur bills mehenge ho gaye hain.
15% Wants: Apni chahaton ko sakhti se kaato.
25% Savings/Investment: Savings band mat karo, bhale hi kam karo.
4. Grocery aur Shopping par Smart Bachat Karo
Grocery aisi cheez hai jahaan sabse zyada paisa bachaya ja sakta hai.
List Banakar Jaao: Bina list ke shopping mat karo.
Offers aur Wholesale Dekho: Jahan se sasta mile, wahaan se lo.
Generic Brands Try Karo: Har cheez brand-name wali lena zaroori nahi hai.
5. Apne Subscriptions ko Audit Karo
Yeh "kharcho par control kaise kare" ka sabse aasan tarika hai.
Apne bank statement check karo. Kitne OTT platforms (Netflix, Hotstar), music apps, ya gym memberships hain jo aap use bhi nahi kar rahe? Unhein aaj hi cancel karo.
6. Ek Emergency Fund Banao (Ya Maintain Karo)
Mehengai ke time par naukri jaana ya medical emergency aana double maar jaisa hai.
Aapka pehla financial goal 3 se 6 mahine ke zaroori kharchon (Needs) ke barabar ek emergency fund banana hona chahiye. Yeh paisa aisi jagah rakho jahan se turant nikaal sako (jaise Savings Account ya Liquid Fund).
7. Chote Investments Shuru Raho
Agar aapka paisa sirf savings account mein pada hai, toh inflation uski value kam kar raha hai. Paise ko kaam par lagao.
Mehengai ko beat karne ke liye investment zaroori hai. Aap SIP (Systematic Investment Plan) ke zariye mutual funds mein chota amount bhi invest kar sakte ho.
Needs" vs "Wants" ko Kaise Pehchanein? (Comparison Table)
Kabhi-kabhi 'needs' aur 'wants' ke beech ki line dhundhli ho jaati hai. Yeh table teri madad karega.
Kharcha (Expense) | Need (Zaroorat) | Want (Chahat) | Kyun? |
|---|---|---|---|
Ghar ka Kiraya / EMI | ✅ | Rehne ke liye ghar zaroori hai. | |
Ration / Groceries | ✅ | Khaana zinda rehne ke liye zaroori hai. | |
Restaurant mein Khana | ✅ | Yeh suvidha hai, zaroorat nahi. Ghar par khaana paka sakte hain. | |
Utility Bills (Bijli, Paani) | ✅ | Yeh basic zarooratein hain. | |
Naya Smartphone (jab purana a_h_a hai) | ✅ | Agar purana phone kaam kar raha hai, toh naya phone ek 'want' hai. | |
Health Insurance Premium | ✅ | Ek medical emergency poora budget bigaad sakti hai. Yeh suraksha hai. | |
Cable TV / Netflix | ✅ | Yeh entertainment hai, zaroorat nahi. |
FAQ Section (Aksar Pooche Jaane Waale Sawaal)
Q1: Inflation badhne par sabse pehle kaun sa kharcha kam karein? Sabse pehle apne 'Wants' par kaat lagao. Restaurant mein khana, online food ordering, entertainment (movies, OTT), aur faltu ki shopping woh pehli cheezein hain jinhein aapko rokna chahiye.
Q2: Budgeting ke liye koi free app hai? Haan, kayi achhe free apps hain jaise 'Wallet by BudgetBakers', 'Money Manager', ya 'Spendee'. Yeh aapke kharchon ko track karne mein madad karte hain.
Q3: Kya inflation ke time par savings karna possible hai? Bilkul. Bhale hi amount chota ho, savings ki aadat mat chhodo. Jaisa bataya gaya, apne budget ko modify karo (jaise 60/15/25) taaki savings ke liye hamesha kuch na kuch bachta rahe. Bina savings, aap financial emergency ke liye taiyaar nahi ho.