Budget Kaise Banaye: Tankhwah Par Asaan Tareeqa
By the SpentStory team · Updated
Budget banane ka matlab hai mahine shuru hone se pehle tay karna ke paisa kahan jayega. Sab se asaan tareeqa yeh hai: pehle apni asal aamdani likhein, phir zaroori kharche, phir baaki kharche, aur bachat ko sab se pehle alag kar dein.
Budget kya hota hai?
Budget aik plan hai. Isme aap likhte hain ke is mahine kitna paisa aaye ga aur kis cheez par kitna kharch karna hai. Yeh aap ko rokta nahi, bas yeh batata hai ke mahine ke aakhir mein paisa kahan gaya. Jab aap kharcha dekh kar chalte hain, to mahine ke aakhir mein “paisa kahan gaya” wala sawal kam hota hai.
Step 1: Apni asal aamdani likhein
Wohi rakam likhein jo tax aur katautiyon ke baad aap ke account mein aati hai. Agar aap ki aamdani har mahine badalti hai, to pichle kuch mahine ka sab se kam wala mahina chunein. Isse budget zyada pukhta rehta hai.
Step 2: Fixed kharche likhein
Yeh woh kharche hain jo har mahine lagbhag same hote hain.
- Ghar ka kiraya ya qist
- School ya tuition ki fees
- Kameti ki qist
- Internet aur mobile package
- Bimay ki qist
Step 3: Badalne wale zaroori kharche
Pichle do ya teen mahine ka bank statement dekh kar andaza lagayein.
- Rashan aur ghar ka saman
- Bijli, gas aur pani ke bill
- Petrol ya aamad o raft
- Dawai aur doctor ki fees
Step 4: Shauq, ghar walon ki madad aur buffer
- Bahar khana aur food delivery
- Shopping aur subscriptions
- Walidain ya rishtedaron ko bheji jane wali raqam
- Achanak aane wale kharche ke liye chhota sa buffer
Ghar walon ki madad ko alag line dein. Is tarah yeh aik faisla banta hai, achanak ka jhatka nahi.
Step 5: Pehle bachat alag karein
Tankhwah aate hi bachat ki raqam alag account mein bhej dein, phir baaki paise kharch karein. Agar mushkil lage to chhote se shuru karein, jaise Rs 3,000 har mahine. Chhoti bachat jo har mahine chalti rahe, bari bachat se behtar hai jo aik dafa hoti hai.
Misaal: Rs 80,000 ki tankhwah
| Cheez | Raqam (Rs) |
|---|---|
| Kiraya | 25,000 |
| Rashan | 15,000 |
| Bijli, gas, pani | 7,000 |
| Internet aur mobile | 3,000 |
| Petrol ya aamad o raft | 6,000 |
| Dawai aur doctor | 2,000 |
| Walidain ki madad | 5,000 |
| Bahar khana aur shopping | 7,000 |
| Bachat | 10,000 |
| Kul | 80,000 |
Yeh sirf misaal hai. Aap ke shehar, kiraye aur khandan ke hisaab se numbers alag honge, isliye apne hisaab se badal lein.
50/30/20 ka usool
Bahut se log aamdani ko teen hisson mein baantte hain: 50 fisad zaroori kharche, 30 fisad shauq, aur 20 fisad bachat. Pakistan mein kiraya ya fees zyada ho to zaroori kharche 60 se 70 fisad tak chale jate hain, aur yeh theek hai. Tafseel ke liye Pakistani salary par 50/30/20 rule parhein.
Budget kaise chalayein?
- Har mahine ki pehli tareekh ko pichle mahine ka statement dekhein.
- Dekhein ke kaun si category plan se zyada gayi.
- Aik waqt par sirf aik cheez badlein.
- Naqad kharche ko bhi likhein. Cash kharcha kaise track karein mein asaan tareeqe hain.
Calculator se foran try karein
Apni tankhwah daal kar dekhna chahte hain ke paisa kahan jaana chahiye? Pakistan ka monthly budget calculator istemal karein. Aur agar aap dekhna chahte hain ke pichle mahine asal mein kitna kharcha hua, to apna bank statement PDF SpentStory par upload karein. Yeh har kharche ko category mein baant deta hai, aur bank login ki zaroorat nahi.