Top 5 Financial Resolution For 2020

Podcast Duration: 05:11
हेलो दोस्तों! एंजेल ब्रोकिंग पॉडकास्ट के नए एपिसोड में आपका स्वागत है!

Har baar ek naya saal shuru hone par humara motivation level bahut high hota hai - chahe calendar year ho ya financial year. We make plans and take resolutions to reach our goals.

हम सब अपनी सेहत का ध्यान रखने के लिए पौष्टिक खाना, एक्सरसाइज - क्या कुछ नहीं करते।उसी तरह आपकी फाइनेंसियल हेल्थ भी अच्छी होना ज़रूरी है!

आज हम डिसकस करेंगे के हम इस साल अपनी फाइनेंसियल हेल्थ के लिए क्या कर सकते हैं!

Aapki financial health ke liye humari sabse pehli advise rahegi ke aap taxes se darna chodein aur unhe samajhna shuru kar dein. Main janti hun ke aap soch rahe honge ki financial health ke liye toh wealth creation par focus karna chahiye, na ki taxes par. Lekin aapke liye ye janna bahut zaruri hai ki tax time par ya sahi se na bharne par aapko jurmana bharna padta hai. Financial year 2017-18 se tax non-compliance ke liye penalties introduce ki gayi hain. Jurmane ka amount Rs 5000 se lekar Rs 10,000 tak ho sakta hai - uska exact amount depend karta hai on how late you get on your tax payments.

Uske upar se, Section 234A ke according, unpaid tax par 1% ka interest bhi lagta hai. In fact, tax planning jitn jaldi shuru karein utna behtar - you need time to figure out your investments and tax-saving instruments. So, prioritise your tax planning before anything else!

Talking of saving money from unnecessary expenses, your second resolution should be to create an emergency fund. I know hum chahte hain ke humai life sorted rahe, lekin accidents ya emergencies kabhi bhi a sakti hain! Achanak se hospital aur medical bills dene pad sakte hain, ya ghar ka renovation karwana pad sakta hai. Aise kharche afford kar paane ke liye ye sufficient savings hona zaroori hai.

And then there are unfortunate situations jaise nuakri ka chhooth jaana. To be able to cope in such situations, you need an emergency reserve. Thoda sa doordarshi hokar sochiye aur apni income se strictyl kuch paisa har mahine savings ke taur pe ek emergency fund me daalein! Agar aapke paas already ek emergency fund nahi hai toh this is the right time to plan for one. And for that, I have a tip for you: apne emergency fund me kam se kam itne paise daaliye ke agar kal ko emergency ho to unse aapka aur aapke parivar ke kharchon ko 6 mahine ke liye sambhala ja sake.

2020 ka agla financial resolution should be to keep a check on your credit. Baat kuch aisi hai ke aaj kal credit bahut easily available hota hai: you have easy loans, credit cards, and so many products available on EMIs. aise me iss baat ka dhyan rakhna zaruri hai ke aap utna hi paisa udhar ya loan pe le rahe hain jitna aap interest samet wapas bhi kar sakein.

Agar aap time par ya sahi se apne instalments aur bills nahi bharte, toh iska seedha asar aapke credit score pe padhta hai. Credit score aapke future loans ke liye bahut ahmiyat rakhta hai - it can make or break the decision on whether you get the loan you need or not. I’m telling you- you do not want to mess up your credit score. So make this your next resolution - keep your credit in check aur saare credit related payments time par karein!

Aapki financial health ke kayi working parts hain. Wouldn’t it be nice agar aap in sabko ek bade plan ka hissa bana sakein? I have a very compelling reason for why you should have a financial plan. Imagine kariye ke aap sab kuch sahi kar rahe hain - bills time pe bhare ja rahe hain, savings bhi consistently ki jaa rahi hain, aur aap lagatar investments bhi kar rahe hain. Ye sab sahi karne ke bawajood bhi aap apne overall financial goals tak nahi pahunch pate. Kyun? Aisa isliye kyuki jitna zaroori micro level ka kaam hai utna hi important macro level ka perspective bhi hai. So keep in mind, ke saal ki shuruwaat me hi ek financial plan ya outline bana le.

Agar aapko start karne ke liye push chahiye, toh mere paas ek financial planning hack hai - it is called the rule of 50-30-20. Under the rule, you have to divert your income to various points. 50% earnings after tax aap roz-marha ke kaamo aur necessities ke liye rakho - this includes food clothes. Basically, roti, kapda, makaan. 30% of your earning you can keep for luxuries. Financial planning ka matlab ye nahi ke aap apni wishes na puri karein. In fact, it is the opposite! Ye 30% can be diverted towards such indulgences jaise Movies dekhne jaana, eating out, travel, buying an expensive gadget etc. aur finally, 20% amount should be strictly reserved for savings and investments.

Ab aapne financial plan bana liya, usme emergency ke lye intezaam bhi kar liya- aur toh aur tax planning tak ho gayi. In sab investments aur savings me aapko har kadam soch soch kar rakhne ki bhi zarurat hai! Therefore, aapka final resolution for the year should be to stay cautious. Market fluctuations ko study zarur karein, lekin unse zyada prabhavit na hon! Patience is a virtue aur market me invest karte samay ye principle bahut ahmiyat rakhta hai!

Hum aasha karte hain ki in resolutions ke saath aapki life - aur aapki financial health behtar ho jaegi!