Aapki Kuchh Aadatein Financial Planning Fail Kar Sakti Hain

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Aapki Kuchh Aadatein Financial Planning Fail Kar Sakti Hain

financial planning mein aapko apne bhale ke liye kuchh niyam tay karne padte hain. Misaal ke liye fijoolakharchi naheen karna. Imarajeinsi ke liye fund banaana. Bachchon ke liye provijn karna. Iske saath laung tarm mein velth ko jyaada se jyaada badhaane ki koshish. Achhe financial management ke liye niyam banaane, bachat karne aur finance par lagaataar najar rakhane ki jaroorat padti hai. Haalaanki in cheejon ki ati bhi naheen honi chaahiye. Kai baar kuchh aadatein achhi lag sakti hain, lekin unke nateeje kharaab nikal sakte hain. Is tarah ki galat aadatein kya ho sakti hain aur inse kaise bacha ja sakta hai? Pehle kharch ki baat karte hain. Bachat karna achhi baat hai, lekin iski bhi ati naheen honi chaahiye. Is baat par hamesha afsos mat jataaie ki aap jaroorat ke mutaabik bachat naheen kar rahe hain. Ho sakta hai ki aap agali peedhi ke liye bachat kar chuke hain aur tab bhi yeh rona laga rahata ho. Kya aap un cheejon par bhi paisa kharch naheen karte, jin par aapke aaspaas rahane vaale log karte hain? Kya aap kapadon ki khareedaari ke liye bhi diskaaunt ka intajaar karte hain? Agar aisa hai, to aap shaayad bachat ke maamale mein ati kar rahe hain. Aisa karne par samaaj mein aapki chhavi kanjoos ki ban sakti hai aur aap alag-thalag pad sakte hain. Ho sakta hai ki aap jis bhavishya ke liye bachat kar rahein hon, vah kabhi aae hi naheen. Jaroorat se jyaada paisa bachaane par laaifastaail ka leval girta hai. Doosra, imarajeinsi ke liye planning kariye aur loss se nipatne ke laayak paisa rakhiye. Financial plaanar sabse pehle aapko imarajeinsi fund banaane ke liye kehte hain. Haalaanki research se pata chalta hai ki bahut kam log aisa karte hain. Yeh galati bhaari pad sakti hai. Agar kisi bijnesamain ki saari sampatti uske business ke roop mein hai to vah kabhi bhi iske fail hone ki baat man mein naheen rakhega. Ham yeh maankar chalte hain ki hamamein kaafi skil hai aur hamein aasaani se nai naukri mil jaaegi. Ham yeh bhi maanate hain ki hamaari sehat achhi hai, isliye hamein inshyoreins kavar ki jaroorat naheen hai. Ham itne smart hain ki hamein financial edavaaij ki darkaar naheen hai. Apni khoobiyon ko badha-chadhaakar bataane aur kamiyon ko nakaar kar ham aatmavishvaas se bhare aur positive rahate hain. Haalaanki, agar aap un cheejon ke baare mein sochakar naheen rakhate hain, jinse aapki financial planning chaupat ho sakti hai to iski bhaari keemat chukaani pad sakti hai. Teesara, bachchon ke prati ham apni javaabadehi jyaada aankate hain. Bhaarat mein is baare mein jitne sarve hue hain, unamein pata chalta hai ki maata-pita ke liye bachchon ki padhaai aur unke liye sampatti chhodkar jaana pehli praayariti hai. Jo maata-pita bachchon ke liye jaroorat se jyaada karne ki koshish karte hain, ve kam praudaktiv hote hain. Is tarah se aap bachche ko nuksaan pahunchaate hain. Kya aapko dar hai ki paisa kharch naheen karne par bachcha aapko naapasand karega ? Kya aap man mein yeh sochate hain ki bachche ke liye falaan cheej naheen karni hai , lekin unke kehne par haar maan lete hain ? Kya aap bachche ko samay naheen de paane ki bharpaai us par jyaada kharch karke karte hain ? Agar aisa hai , to aap bachche ko khud par aashrit kar rahe hain. Chautha , laung tarm velth kriyeshan ko har koi financial gol naheen maanata. Ho sakta hai ki kai logon ko lagjari ke bajaay chairiti waali jindagi pasand ho. Isliye laung tarm financial planning se pehle paise ko lekar hamaara kya najariya hai , iski padtaal jaroori hai. Ham kaise kharch karte hain aur kis tarah se bachat karte hain. Ham bachat vaale paise ka istemaal kis tarah se kareinge , yeh paise ko lekar hamaari soch par nirbhar karta hai. Uma shashikaant , mainejing director , center for inavestameint education end lar ning.

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