Side Hustle ka Paisa Kaise Manage Karein – Tax Ka Tension Free!
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Soch ke dekho – tumhara side hustle finally chalu ho gaya hai. Freelancing mil rahi hai, reels viral ho rahi hain, kuch paisa aane laga hai, aur tum soch rahe ho, “Life set ho rahi hai!”
Lekin phir ek din koi bolta hai – "Bhai, tax ka kya scene hai?"
Tab yaad aata hai ki paisa kamaana ek baat hai, aur us paisay ko sahi se manage karna (especially tax ke liye) ek aur puri kahani hai. Toh chalo aaj seedhi aur simple baat karte hain – agar tumhara side hustle chal raha hai, toh uska paisa kaise sambhalo taaki tax ka jhanjhat na ho.
๐งพ 1. Income ka hisaab rakhna shuru karo
Jab tumhara paisa alag-alag jagon se aa raha ho – jaise Paytm, UPI, bank transfer, ya kabhi cash – toh uska record rakhna life-saving ho sakta hai.
Kisi diary ya notebook me likho, ya ek Google Sheet bana lo. Date, kis client ne diya, kitna paisa mila – sab note karo.
Trust me, year-end me jab ITR bharne ka time aayega na, tum khud ko thank you bologe.
๐ณ 2. Personal aur hustle wale kharche alag rakho
Jo paisa tum hustle me laga rahe ho – jaise Zoom subscription, Canva Pro, internet bill, ya phone ka naya tripod – ye sab "business expenses" me count ho sakta hai.
Tax bharte waqt ye expenses minus kiye ja sakte hain. Matlab jitna zyada sahi record, utna kam tax. Win-win!
Pro Tip: Har baar jab kuch hustle ke liye lo, uska bill sambhalo.
๐ฆ 3. Ek alag bank account khol lo – sirf side hustle ke liye
Socho tumhara personal aur hustle ka paisa ek hi jagah aa raha hai. Phir sochna padega – ye wala ₹5000 gift tha ya client payment?
Bas is confusion se bachne ke liye ek simple trick – alag account. Side hustle ka paisa idhar lo, idhar se hi kharche karo. Sab clean and clear.
๐ 4. GST ka scene clear karo
Ab yeh thoda technical hai, lekin zaroori bhi. Agar tum ₹20 lakh+ kama rahe ho saal ka (kya baat hai!), toh GST registration lag sakta hai.
Aur agar tum kisi client ko bahar bhej rahe ho service – jaise US, UK etc – toh bhi GST check karna padta hai.
Lekin agar income limit ke andar ho, toh filhaal chill maaro. No need to panic.
๐ 5. Advance tax ka dhyan rakho
Yeh ek aisa part hai jo bohot log ignore karte hain. Agar tumhara taxable income ₹10 lakh+ ho raha hai, toh tumhe saal me 4 baar advance tax bharna padta hai – June, Sept, Dec aur March me.
Nahi bhara toh interest lagta hai. Toh thoda planning abhi se start karo.
๐ง๐ผ 6. Tax file time pe karo – aur sahi ITR choose karo
Side hustle ke liye mostly ITR-3 ya ITR-4 lagta hai. Agar tum professional ho (writer, designer, coach, etc.), toh ITR-4 with presumptive tax scheme best hota hai.
Isme government maan leti hai ki tumhara 50% paisa profit hai – aur usi pe tax lagta hai. Simple.
๐จ๐ป 7. Ek baar kisi CA se baat zaroor kar lena
Chahe sab kuch khud manage kar pa rahe ho, ek baar kisi Chartered Accountant se baat kar lena. Tumhare doubts clear honge, aur agar koi galti ho rahi hai toh usse bhi bach jaoge.
๐ค In short...
Side hustle karna freedom deta hai.
Lekin us freedom ko secure rakhne ke liye thoda sa tax ka gyaan lena zaroori hai.
Paisa kamaana ek art hai. Lekin us paisay ko sambhalna ek responsibility. Tum dono ka master ban jaoge – bas thoda smart sochna hai, aur time pe action lena hai.
