Humne aksar suna hai ki hume financial planning karni chahiye. Magar yeh planning (yojana banana) aakhir hai kya? Aur hum kaise apne financial goals plan kar sakte hain?
Aiye padhte hai ki:
Financial goals kya hote hain?
Financial goal ek target (lakshya) hota hai jo hum tab set karte hain jab hume apne finances ya money ko manage karna hota hai. Generally yeh targets hum ek samay ke liye banate hain. Jaise ki maaniye aapne goal set kiya – Agle 10 saal mein INR 5 lac save karna hai.
Financial goals kyun chahiye hote hain?
Financial goals hume apne financial decisions (faisla) lene me help karte hain. Hume jo amount spend (kharcha) ya save (bachat) karna hai usko achieve (praapt) karne me help karte hain. As a result, hum apni limit (seema) se zyada spend nahi karte hain.
Niyamit taur par ye goals set karne se hum apne future ko aur secure bana sakte hain aur plan karne se hamari jo save karne ki motivation (prerna) hai, vo bhi dagmag aati nahi hai.
Kya financial planning ek naya concept hai?
Nahi. Ye concept sadiyon se chala aa raha hai. Ab apne bachpan ki hi baat le lijiye. Bachpan me jab hume koi mehengi cheez khareedni hoti thi to hamare parents hume aksar kehte the ki paise jama karo, fir khareed lena. Aise goals hum bachpan se set karte a rahe hain. Farak sirf itna hai ki ab us save karne ki activity ko hum ek naam se bulate hain.
Kaise goals set karne chahiye?
- Saving goals: Kitna save karna chahte hain
- Investment goals: Kitna aur kahan invest karna chahte hain
- Spending goals: Kitna amount aap kaha aur kaise spend karna chahte hain
Zaroorat kyon hoti hai financial goals ki?
- Ye hamari savings ko manage karte hain
- Emergencies (aapat stithi) ke liye prepared (taiyyar) rakhte hain
- Better retirement plan banane me help karte hain
- Zyada spend karne se bachate hain
- Hamari priorities kya hain, yeh jaane mai help karte hain
Financial Planning kaise kar sakte hain?
- Apne goals ke baare me sochein. Koshish karein in goals ko realistic (vastavik) aur achievable (prapt karne yogya) rakhein
- In goals ko likhein aur fir prioritize karein (praathmikta dein)
- Ek timeline bhi set karein. Sochein ki kab tak aap apne goals ko achieve karna chahte hain
- Ek goal planner ya budget planner ki help lein
- Ek budget set karein aur apne kharcho ko dhyan se dekhe. Yeh budget monthly (maasik), quarterly (traimasik), yearly (saalana), ya jo bhi timeline aapko comfortable lage, uske according ho sakta hai
- Bas shuruaat kare. Kaise badhenge aage, iske baare me zyada na sochein
- Jo bills regularly (niyamit taur par) pay hote hain, unhe automate karein
- Month ke end me apne goals and progress ko dobara dekhein
- Ek emergency fund taiyyar kare
- Insurance par bhi focus kare
Financial planning karte time kin cheezon ka dhyan rakhe?
- Apne goals ko dhyan me rakhe
- Savings ko badhane ke liye apne kharcho ko kam karein
- Agar koi Investment option aapke liye kaam nahi kar raha aur aapke goals ko achieve karne me help nahi kar raha, change kar dein. Koi aur option choose karein
- Regularly apne budget aur plan ko review karein
- Apni risk lene ki kshamta ko dhyan me rakhein
- Jitna jaldi shuru kar sakein, karein
- Aapke kharche inflation, yaani mehengai, ki vajah se bhi badh sakte hain
- Aapke liye jo best option hai, vahi lein. Dusro ke liye jo tareeka sahi hai zaroori nahi aapke liye bhi sahi ho
Apne finances plan karna ek acchi habit hai. Agar aap planning ke baare me sochte hain, to jitna jaldi aap shuru karenge utna aapke liye accha hoga. Magar yaad rakhiye, sirf planning karna hi kaafi nahi hai. Uss plan par aapko kaam bhi karna hoga.
