50-30-20 का फॉर्मूला बचाएगा ढेर सारे पैसे,कैसे...

Aishwarya Awasthi Jul 23,2024

सैलरी आते ही फट से खत्म हो जाने की समस्या अक्सर रहती है.

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लेकिन इससे निपटने के लिए आप 50-30-20 का नियम फॉलो कर सकते हैं.

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50-30-20 नियम को अमेरिकी सीनेट और टाइम मैगजीन के 100 प्रभावशाली लोगों में शामिल एलिजाबेथ वॉरेन ने शुरू किया था.

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उन्होंने सैलरी को 3 हिस्सों में बांटा - जरूरत, चाहत और बचत. जरूरत के लिए 50%, चाहत के लिए 30% और बचत के लिए 20% का बजट रखा था.

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कमाई का 50% जरूरी चीजों जैसे राशन, रेंट, यूटिलिटी बिल,ईएमआई,हेल्थ इंश्योरेंस आदि पर खर्च करें.

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सैलरी 50 हजार है तो 25 हजार रुपये घर की जरूरतों पर खर्च करें, जिनके बिना गुजारा नहीं हो सकता.

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सैलरी का 30% चाहतों, जैसे- फिल्म,पार्लर, शॉपिंग,जैसे शौक पूरे करने पर खर्च करें.

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50 हजार की सैलरी का 30% यानी 15 हजार रुपये चाहतों को पूरा करने में खर्च कर सकते हैं.

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20% पैसों का यूज रिटायरमेंट की प्लानिंग, बच्चों की उच्च शिक्षा, बच्चों की शादी और इमरजेंसी फंड में निवेश करें.

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सैलरी के बचे हुए 20% हिस्से की बचत भविष्य के लिए करनी चाहिए. कंपनियों को मिलेगा - L&T, IRB Infra, NCC, Ultratech को फायदा

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