“Salary Kam Hai, Par Investment Karna Hai – Kya Karein?”
Dekho yaar, hum sabko pata hai – paisa kamaana mushkil hai, aur bachana usse bhi mushkil. Jab salary kam ho, to investment ka sochna bhi thoda overwhelming lagta hai. Lekin sach yeh hai ki chhoti salary ke bawajood bhi future secure kiya ja sakta hai — bas thoda soch samajh ke chalna padta hai.
Main koi finance guru nahi hoon, par practical life se jo seekha hai, woh baat aaj tumse share kar raha hoon.
1. Sabse Pehle – Khud Ka Hisab-Kitab Dekho
Pehla step hai apne kharche dekhna. Har month kitna paisa aa raha hai, aur kitna jaa raha hai – woh clearly likho.
Ek simple sa rule yaad rakho:
50-30-20
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50% jaaye zaroorat ki cheezon mein (jaise rent, ration, bills)
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30% apni khushi mein (kabhi movie, kabhi momos)
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20% saving ya investment mein
Agar abhi 20% nahi banta, toh koi stress nahi. 5% ya 10% se shuruaat karo, aur dheere-dheere badhao. Important hai shuru karna, perfect hona nahi.
2. Udhar Se Chutkaara Pao (Agar Hai Toh)
Agar credit card ka bill pending hai ya kisi se udhaar liya hai, toh pehle use clear karo. Kyunki investment se milne wala return 12% ho sakta hai, par udhaar ka interest 36% tak ja sakta hai!
Yeh socho – bucket mein paani bhar rahe ho, par neeche hole hai. Toh pehle woh hole band karo na?
3. Chhoti Chhoti Investment Se Shuruaat Karo
Aaj ke time mein ₹100 ya ₹500 se bhi investment possible hai. Aur options bhi safe hain:
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SIP (Systematic Investment Plan): Mutual fund mein ₹100 se shuruaat. Long term ke liye best hai.
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Recurring Deposit (RD): Bank mein har month fixed amount daalo. Risk-free hota hai.
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PPF (Public Provident Fund): Long term aur tax-saving dono. Thoda lock-in hai, lekin safe aur solid hai.
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Digital Gold / SGB: Agar sona pasand hai, toh digital gold mein invest karo – locker ki jhanjhat nahi.
Investment ka matlab yeh nahi ki pura paisa stock market mein daal do. Apne comfort zone ke hisaab se choose karo.
4. Emergency Fund Banana Mat Bhoolna
Zindagi kabhi bhi surprise de sakti hai – achha ya bura. Isliye 3–6 mahine ke kharche jitna paisa side mein rakhna zaroori hai.
Yeh paisa FD ya savings account mein rakho, jahan zarurat padte hi use nikaal sako. Emergency fund ek tarah ka “zindagi ka helmet” hota hai.
5. Side Income – Paisa Ka Dusra Raasta
Agar salary tight lagti hai, toh socho kya tumhara koi talent paisa kama sakta hai?
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Writing, designing, teaching, cooking – kuch bhi.
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Online freelancing, weekend part-time jobs, ya apna chhota sa Instagram page shuru karo.
Side income ka fayda yeh hai ki usse tumhara main budget disturb nahi hota, aur woh pura paisa investment mein ja sakta hai.
6. Financial Knowledge = Power
Har week ek chhota video dekho ya blog padho investment ke baare mein. Start small – jaise SIP kya hota hai, ya PPF kaise kaam karta hai. Dheere-dheere samajh aayega aur confidence badega.
Jitna seekhoge, utna safe aur smart decision loge.
Aur Haan, Yeh Yaad Rakhna:
"Tumhare paas jitna paisa hai, usse important hai tum usse kaise handle karte ho."
Salary chhoti hai? Toh kya hua – soch toh badi honi chahiye na! Time aur consistency se chhoti chhoti investments ek din bada asar dikhayengi.
