Monthly Budget Kaise Banaye: Beginners ke Liye Complete Step-by-Step Guide
 |
| Monthly Budget Planning for Beginners |
Introduction
Aaj ke time me sabse common problem ye hai ki salary aati toh hai, lekin tikti nahi. Month ke end tak bank balance zero ho jata hai aur samajh hi nahi aata paisa kahan chala gaya. Is problem ka ek hi solid solution hai — monthly budgeting.
Agar aap beginner ho, student ho, ya job karte ho aur savings start karna chahte ho, toh ye article aapke liye complete roadmap hai. Is guide me hum detail me samjhenge ki monthly budget kaise banaye, wo bhi bilkul simple language me.
Budgeting Kya Hoti Hai?
Budgeting ka matlab hota hai apni income ko pehle se plan karna taaki:
-
Zaroori kharche easily manage ho
-
Unnecessary spending control me rahe
-
Har month kuch paisa save ho
Simple shabdon me:
Budget wo plan hai jo batata hai ki paisa kaise aayega, kaise kharch hoga aur kitna bachega.
Monthly Budget Banana Kyun Zaroori Hai?
Agar aap budget nahi banate:
-
Paisa bina soche samjhe kharch hota hai
-
Savings nahi ho pati
-
Emergency me loan lena padta hai
Budget banane ke fayde:
-
✅ Financial discipline aata hai
-
✅ Savings automatically improve hoti hai
-
✅ Stress kam hota hai
-
✅ Future goals clear hote hain
Budgeting ek habit hai — aur ye habit aapko financially strong banati hai.
Step 1: Apni Monthly Income Clearly Likhiye
Budget banana shuru hota hai income se.
Include kariye:
-
Salary (after tax)
-
Freelancing income
-
Side income (YouTube, blog, part-time)
Example:
-
Salary: ₹22,000
-
Side income: ₹3,000
👉 Total Monthly Income = ₹25,000
Jab income clear hoti hai, tabhi sahi budget ban paata hai.
Step 2: Fixed Expenses Identify Kariye
Fixed expenses wo hote hain jo har month almost same rehte hain.
Examples:
-
Rent
-
Electricity / Water bill
-
Mobile & Internet bill
-
EMI / Loan
Example:
-
Rent: ₹7,000
-
Bills: ₹2,000
-
EMI: ₹3,000
👉 Total Fixed Expenses = ₹12,000
Inko pehle calculate karna bahut zaroori hota hai.
Step 3: Variable Expenses Track Karna Sikhiye
Variable expenses wo hote hain jo har month change hote rehte hain.
Examples:
-
Food & groceries
-
Transport
-
Entertainment
-
Shopping
💡 Pro Tip:
Ek month tak har kharcha likhna shuru kariye — chahe ₹20 hi kyun na ho.
Isse aapko pata chalega:
-
Paisa kahan leak ho raha hai
-
Kya cheez avoid ki ja sakti hai
Step 4: 50-30-20 Budget Rule Follow Kariye
Beginners ke liye sabse easy aur effective rule hai 50-30-20 rule.
Rule Breakdown:
-
50% → Needs (rent, food, bills)
-
30% → Wants (shopping, movies, outings)
-
20% → Savings
₹25,000 Income Example:
-
Needs: ₹12,500
-
Wants: ₹7,500
-
Savings: ₹5,000
Agar aap is rule ko follow karte ho, toh savings automatically improve hoti hai.
Step 5: Savings Ko First Priority Banaiye
Sabse badi mistake log ye karte hain:
“Jo paisa bachega, wahi save karenge”
❌ Ye galat approach hai.
✅ Sahi approach:
Salary aate hi pehle savings alag karo.
Savings ke best options:
-
Emergency Fund
-
Recurring Deposit (RD)
-
Long-term investment (Mutual Funds)
Kam income me bhi savings possible hai — bas discipline chahiye.
Step 6: Budget Ko Track & Review Kariye
Budget banana ek baar ka kaam nahi hai.
Har month:
-
Check kariye kahan zyada kharch hua
-
Next month usse improve kariye
Agar budget ek month bigad jaye, tension mat lijiye.
👉 Next month better planning kariye.
Beginners Ke Liye Important Budgeting Tips
-
✔ Start simple, perfect nahi
-
✔ Cashless payments track kariye
-
✔ Unnecessary subscriptions band kariye
-
✔ Emergency fund zaroor banaiye
-
✔ Lifestyle inflation se bachiye
Common Budgeting Mistakes Jo Avoid Karni Chahiye
-
❌ Har cheez perfect plan karna
-
❌ Savings ko ignore karna
-
❌ Budget bana ke follow na karna
-
❌ Sirf ek month try karke chhod dena
Budgeting ek process hai — time ke saath improve hoti hai.
Conclusion
Monthly budgeting boring nahi hoti, balki financial freedom ka foundation hoti hai.
Agar aap aaj se hi apna budget banana shuru kar dete ho, toh:
-
Paisa control me rahega
-
Savings strong hogi
-
Future stress-free hoga
👉 Aaj hi apna pehla monthly budget banaiye — simple se start kariye.