शादी के बाद भी नहीं होगी पैसों की किल्लत : अपनाएं 5 आसान तरीके

Story Created By: Vivek Rastogi Image Credit: iStock [{ "selector": ".jsosx-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "80%"} ] }, { "selector": ".jdrku-a", "duration": "1000ms", "fill": "forwards", "delay": "1000ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".aoxap-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".qdkqz-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

शादी होते ही कुछ नई ज़िम्मेदारियां आती हैं, कुछ मौजूदा ज़िम्मेदारियां बढ़ जाती हैं, और इनमें सबसे ज़्यादा असर डालता है मनी मैनेजमेंट.

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अगर आप भी नई-नई शादी के बाद पैसों को लेकर परेशान हैं, क्योंकि खर्च बढ़ गए हैं, और बचत कर नहीं पाते, तो यह ख़बर आप ही के लिए है.

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आज हम आपको 5 ऐसे आसान और कारगर टिप्स देंगे, जिनकी मदद से आप और आपके पार्टनर अपनी आर्थिक स्थिति को मज़बूत बना सकेंगे.

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हमारे ये 5 टिप्स न सिर्फ़ आपका भविष्य सुरक्षित करेंगी, बल्कि आपकी शादीशुदा ज़िन्दगी में पैसों की किल्लत से होने वाली परेशानियों को भी दूर कर देंगी.

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1. फ़ाइनेंशियल प्लानिंग करें : सबसे पहले कमाई और खर्च का हिसाब रखें. फिर टारगेट तय करें - जैसे घर खरीदना, कार लेना, घूमने-फिरने जाना आदि.

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2. इमरजेंसी फ़ंड बनाएं : भविष्य में आ सकने वाली किसी भी परेशानी से निपटने के लिए 5-6 महीने के खर्च के बराबर इमरजेंसी फ़ंड ज़रूर बनाएं.

Image Credit: iStock [{ "selector": ".ikqkw-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "transform": "translateY(calc(600px - 452px))", "opacity": "70%"}, {"offset": 1, "transform": "translateY(0)", "opacity": "70%"} ] }, { "selector": ".xuekp-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }, { "selector": ".uxnni-a", "duration": "1000ms", "fill": "forwards", "delay": "0ms", "keyframes": [ {"offset": 0, "opacity": 0}, {"offset": 1, "opacity": "1"} ] }]

3. इंश्योरेंस करवाएं : दोनों पार्टनर के लाइफ़ इंश्योरेंस के साथ-साथ ₹15-20 लाख रुपये का हेल्थ इंश्योरेंस ज़रूर लें. और हां, घर-कार जैसी चीज़ों का भी इंश्योरेंस करवाएं.

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4. इन्वेस्ट ज़रूर करें : टारगेट के हिसाब से SIP करें. लम्बे अरसे के लिए इक्विटी फंड SIP, छोटे वक्त के लिए लिक्विड फंड और मध्यम अवधि के लिए हाइब्रिड फंड SIP चुन सकते हैं.

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5. प्लान बी तैयार रखें : बच्चे होने पर, नौकरी छूटने पर या माता-पिता की देखभाल की स्थिति में पैसों का मैनेजमेंट कैसे करना है, इस पर चर्चा कर प्लान बनाएं.

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सो, किसी भी शादीशुदा जोड़े के लिए फ़ाइनेंशिल प्लानिंग ज़रूरी है. कोशिश करें, कमाई का 10-15% हिस्सा हर महीने बचाएं और निवेश करें.

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पैसा, निवेश, कमाई से जुड़ी अन्य ख़बरों के लिए क्लिक करें

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