Money management ki advice by Vicky Shetty

Namaste Mitro, mai hu Vicky Shetty. Kaafi log 2018 me paise ko lekar chintit hai ya paise ki sahi management ke baare me jaanna chahte hai, aap logo ke liye kuch tarike bata deta hu mai paise ko manage karne ke liye.

Apne income tax ki planning kijiye:
Normally hum tax bachaane ke liye last month tak zyaada kuch nahi karte aur last time me hadbadi machi hoti hai jaldi se koi investment karne ki aur isi jaldbaazi me galti ho sakti hai. Aap shaayad koi aisa investment karde jo accha na ho. Isliye advance me hi iski planning kar dijiye. March tak ka wait mat kijiye.

Apne credit card ka zarurat se zyaada istamaal mat karo:
Jab log khush hote hai tab apne credit card se zarurat se zyaada shopping kar sakte hai. Jo Cheez nahi chahiye kabhi kabhi wo bhi khareed lete hai. Isliye credit card ko sirf zarurat ki cheezen khareedne me istamaal karo


Apne chutiyon aur picninc ki thik se planning kijiye:
Picninc me bahut baar soche samjhe bina bahut kharcha ho jaata hai. Pehle check kijiye ki discounts kaha mil rahe hai travel pe. Aaj kal to kaafi websites discounts deti hai. LTA yaani Leave Travel Allowance ka fayda uthaiye apni company se. 3 din lagaatar agar working day par aapki chutti hai aur aap kahin outstation gaye India ke andar to aap income tax me deduction paa sakte hai Bus, Train aur Air tickets par aur car petrol par bhi.

Apne kharch ka hisaab rakhiye:
Kai baar paise ka hisaab na rakhne se bahut zyaada paisa kharch ho jaata hai aur jab zarurat rehti hai tab paisa rehta nahi. Isliye thoda note kar lijiye ki paisa khan kahan aapa kharch ho raha hai

Discounts ka poora fayda uthaaiye:
Koi bhi cheez khareed rahe ho to uski price online aur offline dono jagah compare karle. Kaafi baar online me cheez sasti milti hai aur kuch baar offline me.

Apna udhaar ya loans ke emi samay par chukka dijiye:
Late paymment fees aur interst bahut hi takleef deti hai aage jaakar. Hame lagta hai ki thoda samay aur lekar bharenge to zyaada fark nahi padega lekin credit cards aur loans ke late bharne ke interest bahut hote hai. Around 36% per annum tak bhi hote hai.

Savings badhaiye:
Fizool kharch mat kijiye. Mehenge restaurants me zyaada paise kharch mat kijiye. Zaruri nahi ki bakwaas picture bhi dekhne hi jaao. Kuch log film ghatiya ho to bhi dekhne jayenge kyuki usme unka favourite actor hai. Aisa mat karo isse aapka paisa barbaad to hoga hi saath me ghatiya picture hit bhi ho sakti hai isse. Aapko to 2 paise ka bhi fayda nahi hoga usse.

Apna bill samay par bhariye:
Electricity bill, Maintanence bill, Gas bill sab due date par bhar dijiye. Late bharne ke chakkar me ham kaafi baar bhool jaate hai aur 2 mahine baad yaad aata hai ki bill baaki reh gaya.

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